Scotiabank Investor Day Summary

KEY STRATEGIC PRIORITIES Clear and established strategic agenda to deliver value to shareholders STRONG RISK CULTURE We believe every customer has the right to become better off Deliver excellent Customer experience And Grow primary Customers Become more efficient while continuing to improve our customers' experience Balance sheet optimization and higher growth in high-yield products CUSTOMER FOCUS STRUCTURAL COSTS BUSINESS MIX LEADERSHIP DIGITAL TRANSFORMATION Build leaders to reflect the diversity of our customers Continue to develop our digital capabilities across the Bank to become a digital leader in all of our major markets Scotiabank | 10

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