Investor Presentaiton

Digital Progress: Canada DIGITAL ADOPTION (%) +8% ACTIVE 3,599 3,847 4,071 4,368 4,272 4,598 +170 bps DIGITAL USERS ( %23'000) +28% 55% 59% 61% 60% 62% 50% +1,180 bps 2019 2020 2021 2022 Q3/22 Q3/23 +12% 2019 2020 2021 2022 Q3/22 Q3/23 ACTIVE 3,073 3,393 3,704 3,583 3,994 DIGITAL SALES (%) MOBILE USERS ( %23' 0 0 0 ) 1 2,666 +50% 2019 +220 bps 2020 2021 2022 Q3/22 Q3/23 28% 30% 27% 26% 23% +350 bps 16% +60 bps SELF-SERVE TRANSACTIONS 87% 92% 93% 93% 93% 94% +650 bps (%) 2 2019 2020 2021 2022 Q3/22 Q3/23 2019 2020 2021 2022 Q3/22 Q3/23 Definitions Digital Sales (% of retail unit sales using Digital platforms, excluding auto, broker originated mortgages and mutual funds) Digital Adoption (% of customers with Digital login (90 days) / Total addressable Customer Base) Digital Users: # of customers who logged into website and / or mobile in the last 90 days Mobile Users: # of customers who logged into mobile in the last 90 days Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR 15 15

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