Investor Presentaiton

Global Registered Covered Bond Program1 CAD$36 billion global covered bond program LOAN-TO-VALUE RATIOS² CREDIT SCORES 43% 29% 56% 22% 4% 7% 20% 13% 1% 1% 2% 0-20% 20-40% 40-60% 60-80% 80+% <599 600-650 651-700 701-750 751-800 800< REMAINING TERM DISTRIBUTION (MONTHS) 35.9% 24.8% 12.8% Alberta 0.2% Yukon 2.6% Saskatchewan 7.9% PROVINCIAL DISTRIBUTION 17.1% 9.3% 7.9% Quebec 5.0% <12 12-23.99 24-35.99 36-41.99 42-47.99 48< 0.3% P.E.I. 51.7% 1 As at October 31, 2018 2 Uses indexation methodology as outlined in Footnote 1 of the Scotiabank Global Registered Covered Bond Monthly Investor Report Ontario 18.0% British Columbia 1.3% Manitoba 1.2% New Brunswick 1.8% Newfoundland 2.3% Nova Scotia Scotiabank® 64 ठ

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