Investor Presentaiton

Automotive Finance Canada's leader in automotive finance Provide personal and commercial dealer financing solutions, in partnership with seven leading global automotive manufacturers in Canada • Portfolio grew 6% year-over-year Personal up 5.5%, Commercial up 9% Commercial 15% Exclusive Relationships MAZDA VOLVO JAGUAR/LAND ROVER AVERAGE ASSET MIX Near-Prime 8% Retail $45.5B1 Semi-Exclusive Relationships* 78% 100% Secured HYUNDAI CHRYSLER GM TESLA Prime Retail * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share Prime Retail Market Share² 36 % 64 % Near-Prime Retail Market Share3 78 % 22 % Commercial Floorplan Market Share4 72 % 28 % 1 For the three months ended April 30, 2020; 2 CBA data as of January 2020, includes RBC, CIBC, Canadian Western Bank, National Bank, TD, Scotiabank, Laurentian Bank; 3 DealerTrack Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for April 2020 originations; 4 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of June 2019 29 29

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