Investor Presentaiton

Loan Portfolio 82% Real Estate Secured Lending High Quality Residential Mortgage Portfolio 。 36% insured; remaining 64% uninsured has an LTV of 52%1 。 Mortgage business model is “originate to hold" 。 New originations² in Q1/21 had average LTV of 64.4% 。 Majority is freehold properties; condominiums represent approximately 15% of the portfolio • Market Leader in Auto Loans o $38.7 billion retail auto loan portfolio with 8 OEM relationships (4 exclusive) o Prime Auto and Leases (~92%) 。 Stable lending tenor with contractual terms for new originations averaging 78 months (6.5 years) with projected effective terms of 53 months (4.5 years) • Prudent Growth in Credit Cards o $6 billion credit card portfolio represents ~2% of domestic retail loan book and ~1% of the Bank's total loan book o Organic growth strategy focused on payments and deepening relationships with existing customers 4% Unsecured DOMESTIC RETAIL LOAN BOOK³ $328B 2% Credit Cards 1 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data 2 New originations defined as newly originated uninsured residential mortgages and have equity lines of credit, which include mortgages for purchases refinances with a request for additional funds and transfer from other financial institutions 3 Spot Balance as of January 31, 2021; Percentages may not add to 100% due to rounding 12% Automotive 21 24

View entire presentation