Scotiabank Canadian Legislative Covered Bonds Presentation

Key Strategic Priorities Customer Focus Evolve culture and operating models to become truly customer-centric by delivering an excellent customer experience and growing the number of primary customer relationships Leadership Enhance the depth, diversity and deployment of our leadership teams Structural Cost Transformation Become more efficient while continuing to improve our customers' experience Digital Transformation Continue to develop our digital capabilities across the Bank, to become a digital leader in all of our major markets Business Mix Alignment Enhance our already strong approach to capital allocation, manage our capital more efficiently and prudently grow both sides of our balance sheet 6 Scotiabank®

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