pg. 1

"ANTI-SLAVERY AND HUMAN TRAFFICKING

Scotiabank Europe seek to act ethically and with integrity in all their business relationships. Scotiabank Europe recognise the importance of combating slavery and human trafficking and have zero tolerance for modern slavery or human trafficking in their direct supply chains or in any part of their businesses and to put in place systems and controls to seek to safeguard against this."

pg. 2

"BNS has an internal Code of Conduct that outlines our rules and expectations regarding proper business conduct and ethical behaviour of directors, officers and employees of BNS and our subsidiaries. The Code’s principles include the requirement to avoid a conflict of interest, to conduct oneself honestly and with integrity and to treat everyone fairly, equitably and professionally including customers, suppliers or service providers and employees. BNS requires all employees and directors of BNS, and of our subsidiaries, to provide annual written certification of their compliance with the Code of Conduct."

pg. 3

"The BNS Supplier Code of Conduct, which was updated and strengthened in 2020, outlines the obligations third parties must comply with when conducting business with, or providing goods and services to, or acting on behalf of, Scotiabank world-wide. It includes provisions on modern slavery and human trafficking."