Fiscal 2018 Financial Performance

DIGITAL PROGRESS UPDATE Progressing well against 2018 Investor Day digital targets Digital Retail Sales +11% 15 11 Digital Adoption +7% 26 26 22 22 29 333 F2016 F2017 F2018 F2016 F2017 F2018 In-Branch Financial Transactions -6% 26 26 23 20 20 F2016 F2017 F2018 Goal >50% • Solid progress made in all five key markets across various product suites including deposits, personal loans, insurance, etc. Goal >70% Digitally-active users up over 30% in Mexico, Colombia and Peru. High single digit growth in Canada and Chile. Goal <10% Mobile transactions up over 30% in Canadian Banking, while in-branch transactions declined 6% Scotiabank® | 6

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