Investor Presentaiton

Wholesale Funding Utilization Reducing reliance on wholesale funding (WSF) and continuing to close the gap vs. peers - BNS WSF is up $3B Q/Q to $219B Deposits displacing wholesale funding Continuing to focus on term funding and reducing concentration of money market instrument funding 33 29.9% WSF/Total Assets 28.4% 27.0% 26.1% 25.9% 25.2% 24.5% 23.8% Q3/15 Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 50% Money Market WSF/Total WSF 46% 44% 42% 41% 39% 38% 37% Q3/15 Q4/15 Q1/16 Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 BNS MMF Money Market WSF = Deposits from Banks, CDs, CP, BDNS, ABCP Scotiabank®

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