Investor Presentaiton

Retail 90+ Days Past Due Loans¹ CANADA² Q1/20 Q2/20³ Q3/20³ Q4/20³ Q1/213 Q2/213 Q3/213 Q4/213 Mortgages 0.21% 0.21% 0.19% 0.15% 0.17% 0.16% 0.13% 0.12% Personal Loans 0.63% 0.72% 0.63% 0.51% 0.54% 0.51% 0.41% 0.39% Credit Cards 1.02% 1.12% 0.81% 0.70% 0.98% 0.75% 0.57% 0.63% Secured and 0.25% 0.26% 0.23% 0.19% 0.22% 0.18% 0.15% 0.16% Unsecured Lines of Credit Total 0.29% 0.30% 0.26% 0.21% 0.23% 0.21% 0.18% 0.17% INTERNATIONAL Q1/20 Q2/20³ Q3/20³ Q4/20³ Q1/213 Q2/213 Q3/213 Q4/213 Mortgages 2.65% 3.05% 2.94% 2.70% 2.76% 2.67% 2.60% 2.36% Personal Loans 3.89% 4.04% 4.02% 4.19% 5.79% 5.29% 4.42% 3.73% Credit Cards 3.26% 3.35% 2.72% 2.61% 7.08% 5.83% 3.14% 2.20% Total 3.22% 3.36% 3.18% 3.05% 4.05% 3.69% 3.09% 2.66% 1 Defined as: loan balance that is 90+ days past due, divided by the total loan balance, on a spot basis 2 Includes Wealth Management 3 Does not reflect impact of payment deferral programs 35

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