Digital Progress: Canada

Automotive Finance • Canada's leader in automotive finance • . HIGHLIGHTS Provide personal and commercial dealer financing solutions, in partnership with ten leading global automotive manufacturers in Canada Portfolio increased 9% year-over-year: Personal up 5%, Commercial up 39%1 Commercial 14% ASSET MIX Near-Prime 6% $47.5Bn1,2,3 Retail 100% Secured 80% Prime Retail RELATIONSHIPS Exclusive MAZDA VOLVO POLESTAR RIVIAN JAGUAR/LAND ROVER MITSUBISHI Semi-Exclusive4 HYUNDAI STELLANTIS/CHRYSLER GENERAL MOTORS TESLA MARKET SHARE ASSET GROWTH ($BN) Prime Retail5 Near-Prime Retail6 Commercial Floorplan? $44.4Bn 36% 64% 80% 20% 78% 22% $37.1Bn 2016 2017 2018 2019 2020 2021 2022 1 Average balance for the three months ended April 30, 2023; 2 May not add due to rounding; 3 Net of allowance for credit losses; 4 1 to 2 other financial institutions comprise Semi-Exclusive relationships; 5 CBA data as of October 2022, includes RBC, BMO, TD, Scotiabank, CIBC, National Bank; 6 Dealer Track Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for April 2023 originations; 7 Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of September 2022 26

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