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Investor Presentaiton

Digital Progress Winner of The Banker "Innovation in Digital Banking North America¹“ award #1 ranking in Canada Online Banking Satisfaction Study (J.D. Power 2020) Leading mobile banking app in Canada4 Digital account opening and sales capabilities that reduces processing time by up to 75% in PAC Implemented various digital solutions to provide financial support and advisory to our customers during COVID-19 Digital Retail Sales² 15 11 +2,700 bps 38 28 22 22 Digital Adoption³ +2,000 bps 46 39 33 29 26 2016 2017 2018 2019 Q3/20 2016 2017 2018 2019 Q3/20 Goal >50% Goal >70% 1 By the Banker magazine, a Financial Times publication 2 Canada: F2017 22%, F2018 26%, F2019 26% PACS: F2017 13%, F2018 19%, F2019 29% 3 Canada: F2017 36%, F2018 38%, F2019 42% PACS: F2017 20%, F2018 26%, F2019 35% 4 Based on weighted-average Apple Store and Google Play ratings (August 23, 2020) 18
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