Medium-Term Financial Objectives

Tangerine Forward Banking Canada's #1 Digital Bank; The Official Bank of the Toronto Raptors Conscious Self-Directed STRATEGIC FOCUS: • Simplicity Simple, market-leading products that appeal to value- conscious, self-directed and digitally-savvy Canadians Tech-Friendly • 2.3 million customers . Industry-leading customer service <7-minute account sign-up ⚫ 97% digital transactions . 96% digital onboarding ⚫ 90% digital sales • • Seamless digital client experience Velocity Enhanced self-service options, adding speed & agility Nimble, modern platform supporting rapid development cycles Low-cost, scalable business model Partnerships . Accelerating momentum through the Toronto Raptors • • Deepening client relationships by introducing SCENE Loyalty Strong partnership with Scotiabank with minimal overlap Modern Platform Speed & Agility Client-Driven Innovation Unique 'Orange' Culture Award Winning Approach 90 Scalable: Nimble, low cost systems provide a holistic client view. Rapid Deployments: Agile best practices enable quick & efficient new product & feature delivery. Incubator: Identify, explore, and pilot new technologies and solutions to meet evolving Client needs. > Team Tangerine: Our unique culture and lean team are an essential part of how we deliver. Third-Party Recognition: Tangerine ranks highest in customer satisfaction among mid-sized banks for 8th year in a row by J.D. Power Scotiabank® 23

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