Scotiabank Investor Day Summary

Enhanced Disclosures ⚫ Bail-in debt will be subject to robust disclosure requirements to promote transparency, legal certainty and market discipline • Contractual terms must include a clause whereby investors expressly submit to the Canadian Bail-in regime notwithstanding any foreign law to the contrary • Disclosures regarding Bail-in power are required in offering documents DSIBS are not permitted to advertise or otherwise promote Bail-in debt, including in its name, to a purchaser in Canada as a deposit • Failure to meet these requirements would not exempt an issuance from being eligible for Bail-in Scotiabank® 47

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