Q4 2019 Financial Performance

Growth in Digital Banking Steady progress against digital targets Digital Retail Sales¹ +1,700 bps 22 22 28 Digital Adoption² +1,300 bps In-Branch Financial Transactions³ -1,000 bps 39 26 33 23 29 20 26 16 15 11 F2016 F2017 F2018 F2019 F2016 F2017 F2018 F2019 F2016 F2017 F2018 F2019 Goal >50% Goal >70% Goal <10% • Sales grew 600 bps against Q4 of last year • Strong progress made across key markets; key highlight includes Colombia improving >1,000 bps against Q4 of last year • In-branch transactions decreased the most in 3 years; 400 bps against Q4 of last year 1 Canada: F2017 22%, F2018 26%, F2019 26% PACS: F2017 13%, F2018 19%, F2019 29% 2 Canada: F2017 36%, F2018 38%, F2019 42% PACS: F2017 20%, F2018 26%, F2019 35% 3 Canada: F2017 17%, F2018 15%, F2019 12% PACS: F2017 29%, F2018 24%, F2019 19% 17 15

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