Investor Presentaiton

Energy Exposures Sector Amount (in $B) % E&P $10.4 58% Midstream $3.4 19% Downstream $2.1 12% Services $2.0 11% Total Drawn $17.9 100% • • Drawn corporate energy exposure is approximately 60% investment grade and 3.6% of our total loan book Undrawn commitments of $14.1 billion are approximately 75% investment grade Focus on select non-investment grade E&P and Services accounts • Approximately two-thirds of focus accounts have issued debt ranking below the Bank's senior position Exposures relate to loans and acceptances outstanding as of January 31, 2016 and to undrawn commitments attributed/related to those (1) drawn loans and acceptances. 16 Scotiabank®

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