Why Invest in Scotiabank?

Global Registered Covered Bond Program¹ Portfolio Summary Statistics LOAN-TO-VALUE RATIOS² CREDIT SCORES³ 41% 33% 21% 4% 63% 1% 5% 18% 1% 2% 11% 0-20% 20-40% 40-60% 60-80% 80+% <599 600-650 651-700 701-750 751-800 800+ REMAINING TERM DISTRIBUTION (MONTHS) 12% 24% 20% 21% 13% 10% 9.5% Alberta 0.2% Territories 2.0% Saskatchewan 0.9% Quebec <12 12-23.99 24-35.99 36-41.99 42-47.99 48+ 0.2% P.E.I. PROVINCIAL DISTRIBUTION 59.9% Ontario 1 As at April 29, 2021. Charts may not add to 100% due to rounding 2 Uses indexation methodology as outlined in Footnote 1 on page 3 of the Scotiabank Global Registered Covered Bond Monthly Investor Report 3 Excludes unavailable credit scores 22.1% 1.2% Manitoba British Columbia 1.7% 0.9% New Brunswick 1.3% Newfoundland Nova Scotia 73

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