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Investor Presentaiton

• Fintech Strategy EMBRACING FINTECH Scotiabank has embraced fintech and technology start-ups, acting as an advisor, partner, investor and customer The key objectives of Scotiabank's fintech strategy are: o Identify innovative companies, trends and business models early o Test, learn and implement fintech innovations o Drive an innovation culture at the Bank m PARTNERSHIP APPROACH Scotiabank partners with VCs to amplify our relevance and reach in the global ecosystem, enabling earlier and faster access to innovative companies Canada High-growth enterprise software firms in analytics, machine learning and enterprise software Israel High growth tech companies in fintech and cybersecurity Latam Early-stage start-ups in digital banking and fintech SAMPLE FOCUS AREAS • Channel Engagement • Advanced Robotic Process Automation • Accessibility • • Natural language processing Machine-learning modelling • IT Modernization • Personal financial management • Fraud • Customer experience and self- • Anti-Money Laundering service SAMPLE PARTNERSHIPS A platform utilized to accelerate identification, classification and management of data on our systems gog A digital engagement platform to interact remotely with clients through multi- functionality A platform that enables complex automation, allowing for digitization and categorization of data elements requiring judgements 18
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