Investor Presentaiton

Wholesale Funding Composition Wholesale funding diversity by instrument and maturity1,6,7 36% Senior Notes 0% Bail-inable Notes 2% $25 Asset-Backed Commercial Paper³ 3% Asset-Backed Securities 13% Covered Bonds $233B 31% Bearer Deposit Notes, Commercial Paper & Short-Term Certificate 2% Deposits from Banks2 of Deposits -10% Mortgage Securitization4 3% Subordinated Debt5 MATURITY TABLE (EX-SUB DEBT) (CANADIAN DOLLAR EQUIVALENT, $B) $24 $22 $6 $4 $8 $19 $4 $3 $1 $16 $2 $13 $5 $18 $15 $14 $15 $14 $8 < 1 Year 2 Years 3 Years 4 Years 5 Years 5 Years Senior Debt ABS Covered Bonds 1 Excludes repo transactions and bankers acceptances, which are disclosed in the contractual maturities table in the MD&A of the Interim Consolidated Financial Statements. Amounts are based on remaining term to maturity. 2 Only includes commercial bank deposits raised by Group Treasury. 3 Excludes asset-backed commercial paper (ABCP) issued by certain ABCP conduits that are not consolidated for financial reporting purposes. 4 Represents residential mortgages funded through Canadian Federal Government agency sponsored programs. Funding accessed through such programs does not impact the funding capacity of the Bank in its own name. 5 Although subordinated debentures are a component of regulatory capital, they are included in this table in accordance with EDTF recommended disclosures. 6 As per Wholesale Funding Sources Table in MD&A. As of Q4/18 7 May not add to 100% due to rounding Scotiabank® 31

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