Investor Presentaiton

Automotive Finance Canada's leader in automotive finance • Provide personal and commercial dealer financing solutions, in partnership with seven leading global automotive manufacturers in Canada • Portfolio grew 5% 1 year-over-year Personal up 4%, Commercial up 8% Exclusive Relationships MAZDA VOLVO JAGUAR LANDROVER Commercial 13% AVERAGE ASSET MIX Near-Prime 8% Retail $42.4B1 79% 100% Secured Market Share² Prime Retail Market Share³ 39% 61% Prime Retail Semi-Exclusive Relationships* HYUNDAI CHRYSLER GM TESLA * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Near-Prime Retail Market Share4 70% 30% Commercial Floorplan Market Share5 70% 5 30% 1 For the three months ended October 31, 2018; 2Data as at June 2018; 3 CBA data, includes BMO, CIBC, HSBC, National Bank, RBC, Scotiabank, TD; DealerTrack Portal data, includes all Near-Prime Retail providers on DealerTrack Portal; 5 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank 2018 amounts are based on IFRS 9. Prior period amounts were based on IAS 39; 7 Provision for credit losses on certain assets-loans, acceptances and off-balance sheet exposures Scotiabank® 21

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