Investor Day Summary

DIGITAL TRANSFORMATION STRATEGY & PROCESS Digital is an enabler of the all-bank strategy and will improve our productivity ratio DIGITAL RETAIL SALES % DIGITAL ADOPTION % F2016 11 F2016 26 GOAL GOAL F2017 15 +900 bps >50% F2017 29 +900 bps >70% 1 F2018 20 1 F2018 35 IN-BRANCH FINANCIAL TRANSACTIONS % CUSTOMER EXPERIENCE F2016 26 GOAL The Pulse full rollout F2017 22 -600 bps Focus on key journeys <10% and early wins GOAL MARKET LEADER F2018 20 Forecast for Fiscal Year 2018 F2016 F2017 F2018 ON TRACK TO IMPROVE ALL-BANK PRODUCTIVITY RATIO TO<50% Scotiabank 11

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