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Investor Presentaiton

Canada: Demographics and Housing Market POPULATION GROWTH REBOUNDING 1 PERMANENT RESIDENTS DRIVING UP POPULATION2 600 4.0 000s Canada United States annual % change 3.0 Euro Area Japan France United Kingdom 500 Italy 400 Annual Average Immigration 2.0 300 1.0 10 200 0.0 100 -1.0 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 Proposed Immigration 70s 80s 90s 00s 17 18 19 20 21 22 23 24 25 CANADIAN RESIDENTIAL HOUSING INVENTORY 3 HOUSING SUPPLY STILL TIGHT IN KEY MARKETS 4 12 months of inventory, SA 10 8 6 4 سه 2 0 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 Toronto Vancouver 8 20 runits per 10,000 pop., end of period units per 10,000 pop., end of period Multi-Unit Multi-Unit 16 60 Single-Detached Single-Detached 12 2002-20 average 4 1992-2020 average 8 2 4 92 96 00 04 08 12 16 20 02 04 06 08 10 12 14 16 18 20 1 Sources: Scotiabank Economics, Haver Analytics; 2 Sources: Scotiabank Economics, Statistics Canada, Ministry of Immigration, Refugees & Citizenship Canada; 3 Sources: Scotiabank Economics, Statistics Canada; 4 Sources: Scotiabank Economics, Statistics Canada, CMHC 71
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