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Investor Presentaiton

Portfolio Details: Scotiabank Global Registered Covered Bond Program (¹) Loan-to-value Ratios (2) 1% 4% 18% 41% ■0% - 20% 20%-40% Credit Scores 1% 2% 6% ■599 and Below 14% 600 - 650 651 - 700 ■40%-60% 701-750 ■60%-80% 55% 751 - 800 22% ■80% and Above 36% 801 and Above Remaining Term Distribution (months) Provincial Distribution 3% 0% 0% ■Less than 12.00 15% 8% 14% 12.00-23.99 32% ■24.00 -35.99 15% 36.00 41.99 ■42.00 47.99 14% 11% ■48.00 and Above 51% 13% (1) As at April, 2017 (2) Uses indexation methodology as outlined in Footnote 1 of the Scotiabank Global Registered Covered Bond Monthly Investor Report 60 17% ■Alberta ■British Columbia ■Manitoba ■New Brunswick ■Newfoundland ■Northwest Territories ■Nova Scotia -1% ■Nunavut 1% ■Ontario .2% ■Prince Edward Island 0% -0% ■Quebec .3% Scotiabank®
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