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Investor Presentaiton

Canada: Strong Post-COVID Rebound Though pandemic has caused widespread damage 4,000 CAD monthly 3,000 2,000 1,000 Core Expenses Across Households total core expenses core expenses with mortgage deferral unemployment benefit 0 Bottom Middle Top Bottom Mortgage holder Middle Renter Top Sources: Scotiabank Economics, Bank of Canada. . COVID-19 led to sharp drop in economic activity in 1H20 Massive government support set the stage for a sharp rebound in the economy in 2H20 as economy re-opened. Population growth remains a key differentiator in Canada relative to other countries The Lasting Impact of COVID-19 on Canadian GDP Canada Real Retail Sales 105 Feb 2020=100 100 110 Index, 2019Q4 = 100 105 100 January 13 forecast 95 90 95 90 85 00 80 85 Current forecast 75 80 70 75 65 70 60 19Q4 20Q1 20Q2 20Q3 20Q4 21Q1 21Q2 21Q3 21Q4 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sources: Scotiabank Economics, Statistics Canada. Source: Scotiabank Economics. 73
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