August 22, 2017

RE: Advisor Deposit Services Fax Service

Effective September 30th, 2017,

In an effort to continue to provide uninterrupted service on your requests, eliminate lost documents and improve the quality of the images received, ADS will no longer be accepting documentation by fax and our fax number will be out of service.

Requests/Instructions may be sent by scanning documents and emailing them to our general e-mail address at scotia.ads@scotiabank.comSecure email protocols sent to all advisors January 20, 2017 should be followed to ensure client confidentiality.

Should you have additional questions regarding to this matter, please contact our customer service at 1-800-268-8661 or email us at scotia.ads@scotiabank.com.

Yours truly,

Scotiabank Advisor Deposit Services

® Registered Trademark of The Bank of Nova Scotia