Investor Presentaiton

Automotive Finance Canada's leader in automotive finance • Provide personal and commercial dealer financing solutions, in partnership with seven leading global automotive manufacturers in Canada • Portfolio grew 4%1 year-over-year о Personal up 5%, Commercial down 4% Commercial 13% Near-Prime Retail AVERAGE ASSET MIX 8% $44.6B1 79% 100% Secured Market Share² Prime Retail Market Share³ 39% 61% Prime Retail Exclusive Relationships MAZDA VOLVO JAGUAR/LAND ROVER Semi-Exclusive Relationships* HYUNDAI CHRYSLER GM TESLA * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Near-Prime Retail Market Share4 76% 24% Commercial Floorplan Market Share5 72% 28% 1 For the three months ended October 31, 2019; 2 Data as at June 2019; 3 CBA data, includes BMO, CIBC, HSBC, National Bank, RBC, Scotiabank, TD; DealerTrack Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for October 19 originations; 5 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of March 2019 27 22

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