Scotiabank Track Record

Portfolio Details: Scotiabank Global Registered Covered Bond Program (¹) Loan-to-Value Ratios(2) 1% 5% Credit Scores 1% 2% 5% ■0% - 20% ■599 and Below 12% 19% ■20%-40% 600 650 39% ■40%-60% ■651 - 700 160%-80% ■701 - 750 57% ■80% and Above 23% ■751 - 800 ■801 and Above 36% Remaining Term Distribution (months) Provincial Distribution 3% 0% 0% 8% 14% 21% 33% ■Less than 12.00 12.00 - 23.99 24.00 -35.99 15% ■36.00 41.99 42.00 47.99 ■48.00 and Above 51% 11% 10% 10% 22 (1) As at January,2017 (2) Uses indexation methodology as outlined in Footnote 1 of the Scotiabank Global Registered Covered Bond Monthly Investor Report 31 Alberta 17% ■■British Columbia ■Manitoba New Brunswick ■Newfoundland ■Northwest Territories Nova Scotia ■Nunavut ■Ontario ■Prince Edward Island ■Quebec 1% .1% 2% \0% 0% ■Saskatchewan 3% ■Yukon

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