Investor Presentaiton

Automotive Finance Canada's leader in automotive finance Provide personal and commercial dealer financing solutions, in partnership with seven leading global automotive manufacturers in Canada • Portfolio remained flat year-over-year¹ Personal up 1.4%, Commercial down 7.6% Commercial 14% AVERAGE Exclusive Relationships MAZDA VOLVO JAGUAR/LAND ROVER ASSET MIX Near-Prime 8% Retail $44.0B1 Semi-Exclusive Relationships* 79% 100% Secured HYUNDAI CHRYSLER GM TESLA Prime Retail * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share Prime Retail Market Share² 63 % 37 dow Near-Prime Retail Market Share3 78 % 22 % Commercial Floorplan Market Share4 73 % 2286 27 % 1 For the three months ended July 31, 2020; 2 CBA data as of April 2020, includes RBC, CIBC, Canadian Western Bank, National Bank, TD, Scotiabank, Laurentian Bank; 3 DealerTrack Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for July 2020 originations; 4 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of March 2020 30

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