Embracing Fintech

Additional Information Scotiabank Listings: Toronto Stock Exchange (TSX: BNS) New York Stock Exchange (NYSE: BNS) Scotiabank Credit Ratings Scotiabank Common Share Issue Information: 064149107 CA0641491075 • CUSIP: • ISIN: • FIGI: BBGOOOBXSXH3 . NAICS: 522110 Legacy Senior Debt¹ Senior Debt² Subordinated Debt (NVCC) Short Term Deposits/Commercial Paper P-1 Covered Bond Program Aaa Not Rated Outlook Stable Moody's Investors Services Standard & Poor's Fitch Ratings Dominion Bond Rating Service Ltd. Aa2 A+ AA AA A2 A- AA- AA (low) Baa1(hyb) BBB+ A A (low) A-1 F1+ R-1 (high) AAA Stable Stable AAA Stable Includes: (a) Senior debt issued prior to September 23, 2018; and (b) Senior debt issued on or after September 23, 2018 which is excluded from the bank recapitalization "bail-in" regime 2 Subject to conversion under the bank recapitalization "bail-in" regime 80

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