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* The potential value of savings and rewards during the first 14 months includes the value of the welcome offer, potential savings, the potential value of points earned in the first year, and the value of savings on foreign transaction fees and airport lounge access as of May 22, 2026:

$600 in travel rewards (60,000 bonus Scene+ points) for new Scotiabank Platinum American Express® Cardholders who make purchases totalling $5,000 within the first 3 months; $200 in travel rewards (20,000 bonus Scene+ points) when you make purchases totalling $10,000 within the first 6 months

$200 in travel rewards (20,000 bonus Scene+ points) when you post at least one (1) eligible purchase to your new account in the 14th month following the month the account was opened

$241 in savings on foreign transaction fees based on the average amount of foreign currency purchases made per account in the first year (by saving the 2.5% foreign transaction fee generally charged by credit card issuers);

$1,023 potential first-year points earnings (102,297 Scene+ points) on everyday purchases, based on the average amount of purchases made per account over the past 24 months;

$784 representing the value of Priority Pass membership and airport lounge passes for the primary cardholder (annual membership fee for a 10-visit plan, $454 CAD or $329 USD) and for one additional cardholder (annual membership fee of $137 CAD or $99 USD, plus 4 passes valued at $48 CAD or $35 USD each). Based on the exchange rate in effect on May 22, 2026.

Maximum potential value after 14 months = $3,048 (rounded to $3,000)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer description and terms: The offer of 100,000 bonus Scene+ points (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (the “Account”) opened between July 2, 2026 and November 1, 2026 (regardless of when you apply for the Account), subject to the terms below. To be eligible for the 60,000 bonus Scene+ points (the “60,000 bonus points offer”), you must post at least $5,000 in total eligible purchases within three months of the Account opening date. To be eligible for the 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must post $10,000 in eligible purchases to your new Account during the first six months following the Account opening date. To be eligible for the additional 20,000 bonus Scene+ points (the “additional 20,000 bonus points”), you must post at least one (1) eligible purchase to your new Account in the 14th month following the month the Account was opened. Eligible purchases are purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Annual bonus fulfillment: Bonus points will be deposited into the Scene+ account within approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint Account with a primary borrower and a co-borrower, bonus points will be deposited as follows: (i) the 60,000 bonus points and the 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($5,000 or $10,000) within the applicable timeframe (the first three months or the first six months), and (ii) the additional 20,000 bonus points will be deposited into the Scene+ account linked to the Account of the borrower who made the first transaction considered an eligible purchase in the 14th month following the month the Account was opened. If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 60,000 bonus points or the 20,000 bonus points, or makes the first transaction to earn the additional 20,000 bonus points, the bonus points will be deposited into the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, a co-borrower, or an additional cardholder by contacting Scene+. An Account is in good standing if it is not delinquent, there is no over-limit on the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program terms continue to apply during the Offer period. The Offer may be changed, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account, and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and fees: The current annual fee is $399 for the primary card and $99 for each additional card (including those issued to co-account holders and additional cardholders). The preferred annual interest rates currently applicable to the Account are as follows: 9.99% on purchases and 9.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure statement are subject to change.

*Conditions apply. Rates, fees, and other information are effective as of February 2, 2026. Subject to change.

*Conditions apply. Rates, fees and other information are effective as of Jan 2,2026. Subject to change.

* The potential value of savings and rewards during the first 12 months includes the value of the welcome offer, the potential value of points earned in the first year and the value of foreign transaction fee savings as of May 22, 2026:

$300 in travel rewards (30,000 bonus Scene+ points) for new Scotiabank Gold American Express Cardholders who make purchases totaling $2,000 in the first 3 months

$200 in travel rewards (20,000 bonus Scene+ points) for making purchases totaling $7,500 in the first 12 months

$59 in foreign transaction fee savings based on the average annual amount of foreign currency purchases made per account over the last 24 months (saving on the 2.5% foreign transaction fee typically charged by other credit card issuers);

$398 corresponding to the potential value of points earned in the first year (38,500 Scene+ points) based on the average amount of purchases made, per account, over the last 24 months, assuming an average spend of 28% of purchases in categories eligible for accelerated earn rates of 6X, 5X and 3X points.

Maximum potential value after the first year = $957 (rounded to $950)

The actual value of offers, savings realized and rewards earned will vary depending on card usage and eligibility for offers. Conditions apply.

1 Offer Description and Conditions: The 50,000 Scene+ points offer (the « Offer ») applies only to new Scotiabank Gold American Express credit card accounts (the « Accounts ») opened between July 2, 2026, and November 1, 2026 (regardless of the date you apply for the account), subject to the conditions below. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

50,000 Bonus Scene+ Points Offer Description and Conditions: To qualify for the 30,000 bonus Scene+ points (the « 30,000 Bonus Points Offer »), you must make eligible purchases totaling at least $2,000 within three months of the account opening date. To qualify for the 20,000 bonus Scene+ points (the « 20,000 Additional Bonus Points Offer »), you must make $7,500 in eligible purchases on your new account during the first year (twelve months). Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ account within approximately eight weeks after you qualify for a bonus, provided the account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 30,000 bonus points and the 20,000 additional bonus points will be credited to the Scene+ account linked to the account of the borrower who made the transaction that reached the eligible purchase threshold ($2,000 or $7,500) within the appropriate timeframe (the first three months or the first 12 months). If a supplementary cardholder makes the transaction that reaches the eligible purchase threshold for the 30,000 bonus points or the 20,000 additional bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or supplementary cardholder by contacting Scene+. An account is in good standing if it is not delinquent, the credit limit is not exceeded, and the holder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offer.

Eligibility and Exclusions: You are not eligible for the Offer if you are currently a primary or secondary Scotiabank personal credit cardholder or have been one within the last two years, including if you transfer your balance from an existing Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this offer.

Rates and Fees: The current annual fees are $120 for the primary card and $29 for each supplementary card (including those issued for co-borrowers and supplementary cardholders). The current preferred annual interest rates applicable to the account are as follows: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). Rates, fees, features and benefits, which are described in the application disclosure statement, are subject to change.

1 Offer Descriptions and Conditions: The 10,000 bonus Scene+ points offer (the « Offer ») applies only to new Scotiabank American Express credit card accounts (the « Account ») opened between May 1, 2026, and November 1, 2026 (regardless of the date you apply for the Account), subject to the conditions below.

To be eligible for the 2,500 bonus Scene+ points (the « 2,500 Bonus Points Offer »), you must make eligible purchases totaling at least $250 within three months of the Account opening date. To be eligible for the additional 7,500 bonus Scene+ points (the « 7,500 Additional Bonus Points Offer »), you must make $1,000 in eligible purchases on your new Account during the first three months. Eligible purchases mean purchases, less refunds, returns, and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees, and other fees.

Fulfillment of the Annual Bonus: Bonus points will be credited to the Scene+ Account approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 2,500 bonus points and the 7,500 additional bonus points will be credited to the Scene+ Account linked to the account of the borrower who completed the transaction to reach the eligible purchase threshold ($250 or $1,000) within the appropriate timeframe (the first three months). If an additional cardholder completes the transaction to reach the eligible purchase threshold for the 2,500 bonus points or the 7,500 additional bonus points, the bonus points will be credited to the Scene+ Account linked to the primary borrower’s account. Points can be transferred between the Scene+ Accounts of a primary borrower, co-borrower, or additional cardholder by contacting Scene+. An account is in good standing if it is not overdue, does not exceed the credit limit, and the cardholder(s) have complied with the terms of the Revolving Credit Agreement applicable to the account. All other program terms continue to apply during the offer period. The offer may be changed, cancelled, or extended at any time without notice, and cannot be combined with any other offer.

Eligibility and Exclusions: You are not eligible for the offer if you are currently a primary or secondary holder of a Scotiabank personal credit card or have been within the last two years, including if you transfer your balance from an existing Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this offer.

Rates and Fees: There are currently no annual fees for the primary card and supplementary cards (including those issued for joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features, and benefits, as described in the application statement, are subject to change.

1 Offer description and conditions: The 0.99% introductory rate on balance transfers offer (the « Offer ») applies only to cash advances (including balance transfers and quasi-cash transactions, collectively referred to as « cash advances »), subject to the conditions below. This introductory rate applies from the opening of the account, which must occur between July 2 and January 3, 2027 (regardless of the date on which you apply for the account), and remains in effect for nine months from that date (the « promotional period »). After the promotional period, the interest rate on cash advances covered by the 0.99% promotional rate (including any balance of these cash advances unpaid at the end of the promotional period) will change to the preferred interest rate applicable to cash advances (currently 22.99%). A fee of 2% of the amount of any cash advance made during the promotional period applies ($5.00 minimum fee).

The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account. The Offer may be modified, cancelled or extended at any time without notice, and it cannot be combined with any other offer.

Cancellation of promotional rate: If we do not receive your minimum payment before its due date shown on your statement twice consecutively, you will lose the benefits of this special rate offer and your interest rates on any unpaid balance will change to the annual rates normally applicable to your account (currently 24.99% for purchases and 27.99% for cash advances). This offer cannot be used to transfer the balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account. All other program conditions continue to apply during the offer period.

Application of payments: Your payment cannot be applied to the balance of your choice. For persons residing in Quebec: Generally, if one or more interest rates apply to your account, we apply payments according to the interest rate(s) that apply to the transactions posted to your account (from the highest rate to the lowest). For persons not residing in Quebec: Generally, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your account. Charges are grouped according to the interest rate applicable to them. Consult your credit card agreement to learn more about how payments are applied to your account.

Eligibility and exclusions: You cannot take advantage of the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card or if you have been one in the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account (and subject to the exclusions mentioned, persons holding a Scotiabank business credit card are eligible for this offer). By accepting this Offer, you confirm that you meet all eligibility conditions. We reserve the right to revoke this Offer at any time if we believe you do not meet the eligibility conditions, including after its acceptance or obtaining the Account.

Rates and fees: The current annual fees are $49 for the primary card and $15 for each additional card (including those issued for joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the account are as follows: 20.99% on purchases and 22.99% on cash advances. All rates, fees, features and benefits, which are described in the statement relating to the application, may be changed.

1 Offer Descriptions and Conditions: The 5,000 bonus Scene+ points offer (the « Offer ») applies only to new Scotiabank Scene+ Visa credit card accounts (the « Account ») opened between July 2, 2026 and November 1, 2026 (regardless of when you apply for the Account), subject to the conditions below.

To be eligible for the 2,500 bonus Scene+ points (the « 2,500 Bonus Points Offer »), you must charge eligible purchases totaling at least $250 within three months of the Account opening date. To be eligible for the additional 2,500 bonus Scene+ points (the « Additional 2,500 Bonus Points Offer »), you must charge $1,000 in eligible purchases to your new Account during the first three months. Eligible purchases mean purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, card fees and other charges.

Bonus points will be credited to the Scene+ account within approximately eight weeks after you become eligible for a bonus, provided the Account is open and in good standing. In the case of a joint Account with a primary borrower and a co-borrower, bonus points will be credited as follows: (i) the 2,500 bonus points and the additional 2,500 bonus points will be credited to the Scene+ account linked to the Account of the borrower who made the transaction that reached the eligible purchase threshold ($250 or $1,000) within the appropriate timeframe (the first three months). If an additional cardholder makes the transaction that reaches the eligible purchase threshold for the 2,500 bonus points or the additional 2,500 bonus points, the bonus points will be credited to the Scene+ account linked to the primary borrower’s Account. Points can be transferred between the Scene+ accounts of a primary borrower, co-borrower or additional cardholder by contacting Scene+. An Account is in good standing if it is not past due, there is no over-limit situation and the cardholder(s) have complied with the terms of the Revolving Credit Agreement that applies to the Account. All other program conditions continue to apply during the Offer period. The Offer may be modified, cancelled or extended at any time without notice and cannot be combined with any other offer.

Eligibility and Exclusions: You cannot take advantage of the Offer if you are currently or have been within the past two years a primary or secondary cardholder of a Scotiabank personal credit card, including if you transfer your balance from an existing Scotiabank personal credit card account and if you are a Scotiabank employee. Subject to the exclusions mentioned above, Scotiabank small business credit cardholders are eligible for this Offer.

Rates and Fees: There are currently no annual fees for the primary card and additional cards (including those issued to joint account holders and additional cardholders). The preferred annual interest rates currently applicable to the Account are as follows: 21.99% on purchases and 22.99% on cash advances (including balance transfers and quasi-cash transactions). All rates, fees, features and benefits described in the application disclosure may be changed.

*Conditions apply. Rates, fees and other information are effective as of Oct 31, 2025. Subject to change.

1 Offer description and terms and conditions: The 5% cash back offer and 0.99% introductory rate on balance transfers (the “Offer”) apply only to new Scotia Momentum Visa Card accounts with no annual fee (the “Accounts”) opened between July 2, 2026 and November 1, 2026 (regardless of when you apply for the Account), subject to the terms and conditions set out below. All other program terms and conditions continue to apply during the Offer period. The Offer may be changed, cancelled or extended at any time, without notice, and cannot be combined with any other offer.

Terms and conditions of the 5% cash back offer: You will receive 5% cash back on the first $2,000 in eligible purchases charged to your new Account during the three months following the date it is opened (the “Promotional Period”). Eligible purchases are purchases, less refunds, returns and any other similar credits, and exclude payments, cash advances (including balance transfers and quasi-cash transactions), interest charges, as well as card fees and other fees. After the Promotional Period, you will earn the regular cash back on your eligible purchases at the regular rate (the “Program Cash Back Rate”) described in the terms and conditions of the Scotia Momentum Visa Card with no annual fee cash back program (the “Program Terms”). The 5% cash back rate for each category is the sum of the regular Program Cash Back Rate (different for each category, as per the Program Terms) and the “Bonus Cash Back Rate.”

Cash back earned under this Offer will be credited to your Account, provided it is open and in good standing on the cash back payout date. 3. Bonus Cash Back Rate: Cash back earned at the Bonus Cash Back Rate may be credited to your Account approximately 5 months after the date it is opened, in accordance with the cash back program terms and conditions. 4. Regular Cash Back Rate: Cash back earned at the Program’s Regular Cash Back Rate can be redeemed at any time, provided you redeem a minimum amount of $25 each time. EXAMPLE: If the Program’s Regular Cash Back Rate for grocery purchases and recurring payments is 1%, the Bonus Cash Back Rate will be 4% for that purchase category, so that all eligible everyday purchases in that category will earn a total of 5% cash back during the Promotional Period. If you make eligible everyday grocery purchases and recurring payments totalling $2,000, the cash back credited to your Account for that category will be calculated as follows: (1) a bonus cash back amount of $80 (4% x $2,000), posted as an adjustment on your statement, and (2) the regular cash back amount of $20 (1% x $2,000), which will appear on your monthly statements.

Description and terms and conditions of the 0.99% introductory rate offer on balance transfers: The 0.99% introductory interest rate offer on balance transfers (the “Rate Offer”) applies only to eligible cash advances (including balance transfers and quasi-cash transactions, collectively referred to as “cash advances”), subject to the terms and conditions below. This introductory rate applies for nine months from that date (the “Promotional Period”). After the Promotional Period, the interest rate on cash advances subject to the 0.99% promotional rate (including any balance of those cash advances that remains unpaid at the end of the Promotional Period) will increase to the preferred interest rate applicable to cash advances (currently 22.99%). A fee equal to 2% of the amount of any cash advance made during the Promotional Period applies (minimum fee of $5.00).

The Offer is subject to any cash advance limit on your Account. This Offer is also based on your approved credit limit on the date of this Offer. This means that if the sum of transferred balances exceeds the approved credit limit, balance transfers may not be processed. This Offer cannot be used to transfer a balance from another Scotiabank account, nor to make a payment or deposit to another Scotiabank account.

Cancellation of Promotional Rate: If we do not receive your minimum payment by its due date indicated on your statement for two consecutive times, you will lose the benefits of this special rate offer and your interest rates will revert to the annual rates normally applicable to your Account (currently 25.99% for purchases and 27.99% for cash advances). All other program terms continue to apply during the Offer period.

Application of Payments: For residents of Quebec: In general, if one or more interest rates apply to your Account, we apply payments according to the interest rate(s) applicable to the transactions posted to your Account (from highest to lowest rate). For residents outside Quebec: In general, if you make a payment greater than the minimum amount shown on your statement, the difference is applied proportionally to the different groups of charges billed to your Account. Charges are grouped based on the interest rate applicable to them. Your payment cannot be applied to the balance of your choice. Consult your credit card agreement for more information on how payments are applied to your Account.

Eligibility and exclusions: You are not eligible for the Offer if you are currently a primary or secondary cardholder of a Scotiabank personal credit card, or if you have been within the past two years, including if you transfer your balance from an existing Scotiabank personal credit card account (and subject to the exclusions mentioned, Scotiabank business credit cardholders are eligible for this Offer). By accepting this Offer, you confirm that you meet all eligibility requirements. We reserve the right to revoke this Offer at any time if we determine that you do not meet the eligibility requirements, including after acceptance or after obtaining the Account.

Rates and fees: There are currently no annual fees for the primary card and additional cards (including those issued to co-account holders and additional cardholders). The preferred annual interest rates currently applicable to the Account are as follows: 20.99% on purchases and 22.99% on cash advances. All rates, fees, features and benefits, as described in the application disclosure statement, are subject to change.

*Conditions apply. Rates, fees and other information are effective as of October 31, 2025. Subject to change.