Investor Presentation

Additional Information • Scotiabank Listings: Toronto Stock Exchange (TSX: BNS) • CUSIP: . ISIN: Scotiabank Common Share Issue Information: 064149107 CA0641491075 • New York Stock Exchange (NYSE: BNS) • . FIGI: NAICS: BBGOOOBXSXH3 522110 Scotiabank Credit Ratings Moody's Investors Standard & Poor's Fitch Ratings Services Dominion Bond Rating Service Ltd. Aa2 A+ AA Legacy Senior Debt¹ Senior Debt² AA A2 A- AA- AA (low) Subordinated Debt (NVCC) Baa1(hyb) BBB+ A (low) Short Term Deposits/Commercial Paper P-1 Covered Bond Program Aaa Not Rated AAA Outlook Stable Stable Negative A-1 F1+ R-1 (high) 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 60

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