Fourth Quarter 2018 Investor Presentation

Canadian Banking: Residential Mortgages (continued) High quality portfolio, lower originations in Vancouver and Toronto NEW ORIGINATIONS: UNINSURED LTV* DISTRIBUTION GVA 59% BC & Territories 61% Growth/Change Q4/17 Q3/18 Q4/18 Y/Y Canada Total Originations ($B) 12.9 11.9 10.5 -19% Uninsured LTV 64% 63% 63% -1% GTA Total Originations ($B) Uninsured LTV 3.9 3.6 3.2 -18% 63% 62% 62% -1% Prairies 67% ON 63% QC 65% Atlantic Provinces 69% GVA Total Originations ($B) Uninsured LTV 1.8 1.4 1.1 -39% 61% 60% 59% -2% *Average LTV ratios for our uninsured residential mortgages originated during the quarter FICO® DISTRIBUTION - CANADIAN UNINSURED PORTFOLIO Average FICO Canada Score 787 GTA 790 GVA 790 57% . 16% 11% 12% 4% < 635 636-706 707- - 747 748-788 > 788 FICO is a registered trademark of Fair Isaac Corporation • <0.65% of uninsured portfolio has a FICO® score of <620 and an LTV >65% Canadian uninsured mortgage portfolio is $121 billion as at Q4/2018 Scotiabank® 21 21

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