Investor Presentaiton

Aligned with our Transformation Plan Objectives Increase Business Services in Bank mix $ Cdn Loans to Business Customers Grow by more than 60% to $13B by 2019 2015 $8.0B Q1/17 $10.1B NCF 2016 $10.0B Pro forma $11.3B 2019 $13.0B Acquisition of NCF activities adds approximately $1.2 billion of diverse and attractive yielding assets to Business Services, advancing towards our 2019 target of $13.0 billion • 12% increase in the Business Services portfolio to $11.3 billion pro forma from $10.1 billion in Q1 2017 Business Services loans within the Bank mix increases from 30% in Q1 2017 to 32% pro forma Growth Propelled by the Equipment Finance Specialty within Business Services 21% D 11% $2.3B 4% NCF $1.1B 1% CIT $0.3B $0.1B 2014 2015 2016 Pro forma Q1-2017 Equipment Finance Equipment Finance as % of Business Services 6

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