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Investor Presentaiton

Scotiabank® Issuer: Issue: The Bank of Nova Scotia 2.380% Senior Fixed Rate Notes due May 1, 2023 (Bail-inable Notes) Final Term Sheet The Bank of Nova Scotia (the "Bank") Senior Note (the "Senior Notes") The Senior Notes will be direct unsecured liabilities of The Bank of Nova Scotia ranking pari passu with all other unsecured and unsubordinated debt of the Bank. Issuer Ratings: Issue Ratings: Principal Amount: Term: Trade Date: Settlement Date: Maturity Date: Price: Coupon: Spread: Yield: Coupon Payment Dates: DBRS: AA (Stable) Moody's: A2 (Stable) S&P: A+ (Stable) DBRS: AA (low) Moody's: A2 S&P: A- C$1,750,000,000 3.4 years December 4, 2019 December 11, 2019 (T+5) May 1, 2023 C$99.985 per $100 of Principal Amount 2.380% payable in equal semi-annual payments (including a short first coupon of C$9.26 per $1,000 payable on May 1, 2020) +77 bps vs. interpolated curve of CAN 1.75% 1MAR23 & CAN 1.50% 1JUN23 +77.3 bps (including 0.3 bps curve adjustment) vs. CAN 1.50% 1JUN23 (priced at $99.621, to yield 1.612%) 2.385% The 1st day of every May and November commencing on May 1, 2020, and continuing until May 1, 2023, subject to following business day convention Optional Redemption: N/A Early Redemption: N/A Form and Denomination: CDIC: Book entry only through participants in CDS. Minimum Denomination: $1,000. The Senior Notes do not constitute deposits that are insured under the Canada Deposit Insurance Corporation Act (the "CDIC Act").
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