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Investor Presentaiton

OVERVIEW OF MD FINANCIAL MANAGEMENT Largest Canadian non-bank Private Investment Counsel by AUM(1) • Established in 1969, MD Financial has a long history of providing specialized financial products and wealth management services to physicians, their families and their employees • ~110,000 clients consisting of 45,000 physicians and 65,000 family members and employees • $49 billion of AUM/AUA • 63% of assets from clients with $1MM+ invested with MD • Fund flows have been positive every year over the past decade, including through the financial crisis Strong client satisfaction and retention rates . 94% client retention since 2013 and 80% of relationships are 10+ years in tenure ~350 advisors in 50 offices across Canada and ~1,150 employees in support functions AUM/AUA by Segment (%) as of December 31, 2017 Brokerage 21% Funds 27% AUM/AUA ($BN) as of December 31 '13 '17 CAGR: 8.5% 49 44 39 40 $49BN Private Investment Counsel 52% 55 35 2013 2014 2015 2016 2017 1. Based on assets under management (Source: Investor Economics, Fee-Based Report Winter 2018) Scotiabank® | 5
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