Investor Presentaiton

Canadian Residential Mortgage Portfolio (1) (2) €2 (Spot Balances as at Q1/16, $ billions) $92.8 $9.6 Total Portfolio: $190 billion Insured Uninsured 48% 52% Average LTV of uninsured mortgages is 53%¹ $83.2 $31.0 $5.9 $30.1 $3.5 $15.2 $1.6 $12.0 $25.1 $26.6 $0.2 $8.9 $0.6 $13.6 $11.8 Ontario B.C. & Territories Alberta Quebec Atlantic Provinces $8.3 Manitoba & Saskatchewan Freehold - $169B ■Condos - $21B LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data. Some figures on bar chart may not add due to rounding 32

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