Scotiabank Earnings Report Q1 2019

Tangerine Canada's #1 Digital Bank Tangerine Forward Banking Industry-leading customer service (NPS) ⚫ 97% digital transactions • 96% digital on-boarding • 90% digital sales Conscious Self-Directed ~50% multiple-product clients Primary clients +18% Y/Y STRATEGIC FOCUS: • Simplicity Simple, market-leading products that appeal to value- conscious and tech-savvy Canadians • Seamless digital client experience Highly competitive rates, simple products Velocity Enhanced self-service options, adding speed & agility • Nimble, modern platform supporting rapid development cycles • Low cost, scalable business model Partnerships • Accelerating momentum through the Toronto Raptors ~50% New Clients via Referrals • Deepening client relationships by introducing SCENE Loyalty Tech-Friendly • Strong partnership with Scotiabank Modern Platform Speed & Agility Client-Driven Innovation Unique 'Orange' Culture Award Winning Approach 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. Third-Party Recognition: J.D. Power Customer Satisfaction seven years in a row, Finovate "Best in Class" for digital experiences. Scotiabank® 22 22

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