Scotiabank Investor Day Summary

TANGERINE OVERVIEW Canada's #1 Digital Bank and the official and exclusive Bank to the Toronto Raptors. #1 -96% -97% Industry Leading NPS Digital Onboarding Digital Transactions KEY STRATEGIC FOCUS: Simplicity -91% Digital Sales Simple market-leading products that appeal to value-conscious Canadians Deliver a seamless Client Experience through digital innovations • Great rates, simple products, and no unfair fees . Velocity Enhanced self-service options, adding speed & agility Nimble modern platform supporting rapid development cycles A low cost, scalable, digital approach Partnerships Accelerating momentum through the Toronto Raptors Deepening client relationships by introducing SCENE Loyalty • Partnership with Scotiabank continues to deepen Speed & Agility • Conscious Self-Directed Tech-Friendly Higher Client Growth from Cross-buy ~50% Clients Own Multiple Products Primary Clients = Stickier Relationships # Primary Clients +23% Y/Y Strong Client Advocacy 50% New Clients via Referrals Strategy offers superior growth opportunities: Tangerine & Scotiabank's partnership: We continuously benefit from each other's knowledge, systems, & expertise Everyday Banking product suite offers diversified NIAT profile in the face of intensified competition and low rates Strong growth in new client and Primary Banking customers • Focus on multi-product client relationships • F Tangerine Investments among fastest growing index Client-Driven Innovation Unique 'Orange' Culture Award Winning Approach Modern Platform 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. Consistently Recognized: J.D. Power Customer Satisfaction seven years in a row, IPSOS. #1 Bank, Reputation Institute. Scotiabank 22

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