Scotiabank Strategy & Financial Objectives

Portfolio Details: Scotiabank Global Registered Covered Bond Program¹ Loan-to-value Ratios² 1% .5% Credit Scores 2% 3% 9% 7% ■599 and Below ■0% - 20% 21% ■600 - 650 33% ■20%-40% 14% ■651 - 700 ■40%-60% ■701 - 750 ■60%-80% 54% ■751 - 800 ■80% and Above 20% ■801 and Above 40% Remaining Term Distribution Provincial Distribution 3% 2% 3% 2% 2% 17% 15% 28% ■Less than 12.00 12.00-23.99 8% ■24.00 35.99 36.00 41.99 ■42.00 47.99 10% 29% 48% 22 (1) As at July 28,2016 (2) Uses indexation methodology as outlined in Footnote 1 of the Scotiabank Global Registered Covered Bond Monthly Investor Report 31 ■ Alberta 17% ■British Columbia ■ Ontario ■Quebec ■Manitoba ■New Brunswick ■Newfoundland ■Nova Scotia ■Saskatchewan

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