Why Invest in Scotiabank?

Automotive Finance • Canada's leader in automotive finance • Provide personal and commercial dealer financing solutions, in partnership with nine leading global automotive manufacturers in Canada ⚫ Portfolio decreased 4.9% year-over-year¹. Personal down 1.4%, Commercial down 21.9% Commercial 13% Near-Prime Retail AVERAGE ASSET MIX 7% $43.5B¹ 80% Prime 100% Secured Retail Exclusive Relationships MAZDA VOLVO POLESTAR RIVIAN JAGUAR/LAND ROVER Semi-Exclusive Relationships* HYUNDA CHRYSLER GENERAL MOTORS TESLA * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share Prime Retail Market Share² Near-Prime Retail Market Share³ Commercial Floorplan Market Share4 36% 64% 78% 22% 73% 27% Asset Growth $44.4B $43.5B $42.3B $39.7B $37.1B 2016 2017 2018 2019 2020 1 For the three months ended April 30, 2021; 2 CBA data as of December 2020, includes RBC, CIBC, Canadian Western Bank, National Bank, TD, Scotiabank, Laurentian Bank; 3 DealerTrack Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for April 2021 originations; 4 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of December 2020 23

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