Earnings & Dividend Growth Presentation

Overview of Canadian Bail-in Regulations • Effective September 23, 2018 ⚫ Bail-in framework provides CDIC, Canada's resolution authority, the statutory power to . convert certain eligible debt of non-viable DSIBs into common equity to recapitalize a bank Supplements existing NVCC framework and other resolution tools o CDIC has a number of tools available including bail-in and restructuring the bank The tools appropriate for the situation will be used with a goal to returning the bank to viability • Applies to six Canadian DSIBS Scotiabank 38

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