Investor Day Summary

OTHER SEGMENT1 Results reflect lower net gains and higher expenses NET INCOME² ($MM) -48 -55 -78 -86 56 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 1 Represents smaller operating segments including Group Treasury and corporate adjustments. 2 Attributable to equity holders of the Bank • • YEAR-OVER-YEAR HIGHLIGHTS Includes employee benefits re-measurement credit of $150 million after-tax Partly offset by lower gains on investment securities and higher expenses Scotiabank® 14

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