Scotiabank Investment Thesis

Tangerine Canada's #1 Digital Bank Tangerine Forward Banking Conscious Self-Directed Tech-Friendly • 2.3 million customers • Industry-leading customer service (NPS) • <7-minute account sign-up 97% digital transactions • 96% digital onboarding ⚫ 90% digital sales STRATEGIC FOCUS: • • • . Simplicity Simple, market-leading products that appeal to value- conscious and tech-savvy Canadians Seamless digital client experience Highly competitive rates, simple products Velocity Enhanced self-service options, adding speed & agility Nimble, modern platform supporting rapid development cycles Low cost, scalable business model Partnerships Accelerating momentum through the Toronto Raptors Deepening client relationships by introducing SCENE Loyalty Strong partnership with Scotiabank Modern Platform Speed & Agility Client-Driven Innovation Unique 'Orange' Culture Award Winning Approach 90 Scalable: Nimble, low cost systems provide a holistic client view. Rapid Deployments: Agile best practices enable quick & efficient new product & feature delivery. Incubator: Identify, explore, and pilot new technologies and solutions to meet evolving Client needs. > Team Tangerine: Our unique culture and lean team are an essential part of how we deliver. Third-Party Recognition: J.D. Power Customer Satisfaction seven years in a row, Finovate "Best in Class" for digital experiences. Scotiabank® 23

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