Investor Presentation

Residential Mortgages • Four Distinct Distribution Channels: Broker, Branch, Mobile Salesforce and eHOME. Broker and Mobile Salesforce account for more than 80% of the distribution FICO® Distribution - Canadian Uninsured Portfolio¹ New Canadian Mortgage Originations 64% Q2-21 Q1-22 Q2-22 Average FICO® Score Canada 793 GTA 796 GVA 794 Canada Total Originations ($Bn) Uninsured LTV2 16.9 19.9 17.5 64% 64% 63% Greater Toronto Area 16% 10% 8% 2% < 635 636-706 707-747 748-788 > 788 Total Originations ($Bn) Uninsured LTV2 Greater Vancouver Area Total Originations ($Bn) Uninsured LTV2 5.0 6.0 5.3 63% 63% 62% 2.1 2.5 2.3 63% 64% 62% Canadian Mortgage Portfolio4: $294Bn (Spot balances as at Q2/22, $Bn) 28% Insured Freehold $249Bn Condos $45Bn - 161.0 21.4 (85%) (15%) 58.4 139.7 32.9 16.1 3.9 42.3 29.0 Ontario BC & Territories Alberta 19.9 17.2 Quebec 11.6 10.4 Total Portfolio³: 2.7 0.3 0.7 $294Bn 11.3 9.7 Atlantic Provinces Manitoba & Saskatchewan % of portfolio 54.7% 19.8% 11.2% 6.8% 3.9% 3.6% 1 FICO® distribution for Canadian uninsured portfolio based on score ranges at origination. FICO is a registered trademark of Fair Isaac Corporation 2 Average LTV ratios for our uninsured residential mortgages originated during the quarter 3 Includes Wealth Management 72% Uninsured 24

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