Equitable Bank Investor Presentation — September 2021

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Purpose of this document

This Supplemental Information and Regulatory Disclosures Report (Report) aims to provide the readers with the following regulatory disclosures and other

additional voluntary disclosures that will assist the readers' assessment of business performance of Equitable Group Inc. (Eq uitable or Bank).

1. Disclosures related to Equitable 's loan portfolio, some of which relate to disclosure requirements outlined in OSFI's Guideline B -20, 'Residential Practices and

2.The Bank’s regulatory capital Basel Pillar III disclosures.

Use of this document

Readers are cautioned that financial information contained in this Report include both Generally Accepted Accounting Principl es (GAAP) and non -GAAP measures.

The latter often does not have any standardized meaning, and therefore, are not comparable to similar measures presented by o ther financial institutions.

This Report should be read in conjunction with the Bank's unaudited interim consolidated financial statements and accompanyin g notes, as well as Management's

Discussion and Analysis ("MD&A") for the quarter ended September 30, 2021.

Basis of presentation

All numbers in this Report are Canadian dollars and are unaudited.

GAAP measures have been prepared in accordance with I nternational Accounting Standard (IAS) 34 unless otherwise stated. Non -GAAP measures used in this

Report are defined under the Section "Non -GAAP measures".

Notes to Readers 2 Regulatory and voluntary mortgage portfolio disclosures

Table 13: Loan principal outstanding – by province 19

Highlights Table 14: Residential mortgage and HELOC principal outstanding – by province 20

Table 1: Financial highlights 4 Table 15: Residential mortgage principal outstanding – by remaining amortization 21