Investor Presentaiton

Funding Strategy Build core deposits in all of our key markets Achieve appropriate balance between cost and stability of funding Maintain pricing relative to peers Diversify funding by type, currency, program, tenor and markets Regular issuance in all markets executed via wholesale funding centers in Toronto, New York, London and Singapore • Funding strategy and associated risk management are managed centrally from Toronto within framework of policies and limits approved by Board of Directors For countries where we operate a branch banking subsidiary, strategy is for it to be substantially self-funded in the local market 18 Scotiabank®

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