Q4 2019 Financial Performance

Tangerine | Canada's #1 Digital Bank Tangerine Forward Banking Leading Edge Brand Experience 2.3 million Clients No.1 NPS Industry Leading Client Experience 10 No.1 Mid-Sized Bank Ranked No. 1 Mid-Sized Bank in Client Satisfaction by J.D. Power No.1 Credit Card Ranked highest in Credit Card Satisfaction by J.D. Power STRATEGIC FOCUS: • • • . • Customer Experience Leadership Enhanced customer experience through digital moments Best in class onboarding and security Product Innovation Focused product innovation to enhance client offering Al-driven approach to help Canadians achieve their financial goals Strategic Partnerships Focused on driving national brand awareness and new client acquisition as the Official Bank of the Raptors Deepening client relationships through introducing SCENE Loyalty program to Tangerine customers Award Winning Approach No. 1 in Client Satisfaction: ranked highest among mid-sized banks for 8th year in a row by J.D. Power. Client Driven Innovation Incubator: Identify, explore, and pilot new technologies & solutions to meet evolving Client needs. Partnership Focus Power of Partnership: Strong partnerships with MLSE as the Official Bank of the Raptors, SCENE, Cineplex and Scotiabank. Speed & Agility Rapid Labs: Agile best practices enable quick & efficient new product & feature delivery. Modern Platform Onboarding in < 7 minutes: 96% digital onboarding; Scalable model, platforms and systems enabling constant innovation. 30

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