¹ Offer Description and Conditions: The 5,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new SCENE Visa credit card accounts (excluding SCENE Student Visa cards) (“Account”) opened by May 1^st, 2022 subject to the conditions below. To qualify for the offer, eligible purchases totalling at least $750 must be charged to the account within three months of the account opening date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers,Scotia^® Credit Card Cheques or cash-like transactions), interest, fees or other charges. Bonus points will be paid out within two to three business days after the $750 net purchase threshold is reached, provided the account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. Only one welcome bonus is awarded per Account. In cases where both the primary and supplementary cardholders are Scene+ members, the bonus points will be credited to the Scene+ membership account that has been connected to the Account. Offer may be changed, cancelled or extended and cannot be combined with any other offers. Eligibility and Exclusions : Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank retail credit card in the past 2 years, including those that switch from an existing Scotiabank retail credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the exclusions noted above, Scotiabank Small Business credit card are eligible for this offer. Rates and Fees: There is currently no annual fee for the Primary card and Supplementary cards. The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on cash advances (including balance transfers, Scotia^® Credit Card Cheques and cash-like transactions). All rates, fees, features and benefits are subject to change.