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¹Value of up to $2,300 is rounded down and calculated as follows: i) up to $583.30 first year value with the StartRight^TM  Program + ii) Up to $1,000 in chequing, registered plan and credit card bundle welcome offers + iii) up to $1,250 in Scotiabank Passport Visa Infinite + Card welcome offer, first year point earn potential and savings:

i) Value of up to $583.30 is an annual potential value for the first year based on the following benefits and savings available to StartRight^TM clients as of July 3, 2026:

• $203.40 in account fee savings for a Preferred Package chequing account ($16.95 monthly account fee waived for first 12 months);
• $280 in fee savings when compared to in-branch Swift Wire Transfers (assumes an annual average of 7 in-branch Swift Wire Transfers at $40 per transfer);
• $99.90 in fee savings for 10 free equity trades with iTRADE (10 free equity trades per year at $9.99/trade)

Actual value will depend on individual usage of the StartRight^TM Program features and products. Conditions apply. All products and features are subject to change.

ii) Value of up to $1,000 in chequing, registered plan and eligible credit card bundle welcome offers as of October 30, 2026:

• $700 for new Preferred and Ultimate Package clients who complete certain qualifying conditions. Clients who are eligible for the $700 offer can then get an extra $200 with a new registered plan and/or an extra $100 with a new eligible credit card when they complete certain qualifying
  transactions/conditions;

iii) Value of up to $1,250 in Scotiabank Passport Visa Infinite + Card welcome offer value, first year point earn potential and savings includes the following as of May 22, 2026:

• $250 in travel points (25,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite + Card clients who spend $2,000 within the first 3 months;
• $100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account;
• $50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite + Card clients
• $132 in foreign transaction fee savings based on average annual foreign spend per active account over the last 24 months (don’t pay the 2.5% foreign transaction fee markup typically charged by other card issuers);
• $364 in first year point earn potential (36,400 Scene+ points) on everyday purchases based on average annual spend per active account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories combined;
• $358 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$358/USD$259). Currency conversion as at May 22, 2026.

Potential First Year Value = up to $1,254 (rounded down to $1,250)

Actual offers, savings and points earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

The Scotiabank Cash Bonus Bundle Offer Terms and Conditions

1. The Scotiabank Cash Bonus Bundle Offer (the “Offer”) is available between October 30, 2026 and March 4, 2027 (the “Offer Period”) to individuals who open new eligible accounts. Subject to the Offer conditions, eligible clients can earn $700 when they open a new Preferred Package or Ultimate Package chequing account and complete certain qualifying transactions. Plus, clients who meet the conditions for the $700 bonus are also eligible to earn up to $300 in additional cash bonuses when they bundle their new Preferred or Ultimate Package chequing account with a new eligible Registered Account and/or a new eligible Credit Card Account and complete certain qualifying transactions/conditions.

$700 Cash Bonus for Preferred or Ultimate Package Conditions

1. To qualify for the $700 cash bonus (the “$700 Package Bonus”), you must:

a. Open a new Ultimate Package or new Preferred Package chequing account (the “Eligible Chequing Account”) during the Offer Period;

b. Within 60 days of Eligible Chequing Account opening, set up and receive at least one eligible automated and recurring direct deposit, such as payroll or pension, which will recur monthly for a minimum of four (4) consecutive months in total; and

c. Within 60 days of Eligible Chequing Account opening, complete any one (1) of the following activities:

i. Set up and make a minimum of one (1) eligible recurring pre-authorized transaction with a value of at least $50 which will recur monthly for a minimum of four (4) consecutive months, or

ii. Make at least one (1) eligible online bill payment of at least $50 through the Scotiabank Mobile App or through Scotia OnLine, or

iii. Complete at least five (5) eligible Visa* Debit purchases using your ScotiaCard^® anywhere Visa* Debit is accepted. Only the following Visa Debit transaction types are eligible: online debit purchases, and in-store purchases made outside of Canada.

Click here for a list of eligible direct deposits, pre-authorized transactions and online bill payments. Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Scotiabank reserves the right to modify these lists and to determine whether a specific direct deposit, pre-authorized transaction or bill payment is eligible for the $700 Package Bonus. Fund transfers initiated to other Scotiabank accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the $700 Package Bonus.

$200 Registered Account Bundle Conditions

3. To qualify for a $200 cash bonus (the “$200 Registered Bundle Bonus”), you must meet all of the conditions for the $700 Package Bonus and, within 60 days of opening your Eligible Chequing Account, open a new Eligible Registered Account (as defined below).

4. For the purposes of this Offer, the following Scotia Registered Accounts opened with either The Bank of Nova Scotia (“Scotiabank”) or Scotia Securities Inc. are defined as “Eligible Registered Accounts”:  Scotia Registered Retirement Savings Plans (excluding Spousal RRSPs and locked-in plans such as LIRAs and LRSPs) (each an “RRSP”), Scotia Tax-Free Savings Accounts (each a “TFSA”) and Scotia First Home Savings Accounts (each a “FHSA”). Scotia RRIFs (including locked-in income plans), RESPs, RDSPs, and non-registered Scotia Investment Accounts are not included in the definition and are not eligible for the Offer.

$100 Credit Card Bundle Bonus Conditions

5. To be eligible to receive a $100 cash bonus (the “$100 Credit Card Bundle Bonus”), you must meet all of the conditions for the $700 Package Bonus, and:
a. Within 60 days of opening your Eligible Chequing Account, you must apply for and be approved for an Eligible Credit Card Account in which you are the primary cardholder; and
b. Within 60 days of opening your Eligible Credit Card Account, you must complete at least one Qualifying Purchase on your Eligible Credit Card Account.

A “Qualifying Purchase” is a Purchase (as defined in your credit agreement for your Eligible Credit Card Account) that is posted to your Eligible Credit Card Account, less any refunds, returns or other similar credits on your Eligible Credit Card Account. Qualifying Purchases exclude cash advances (including balance transfers and cash-like transactions), interest charges, fees and payments posted to your Eligible Credit Card Account.

“Eligible Credit Card Accounts” currently include the following:

• Scotiabank® Scene+TM Visa* Card
• Scotiabank Passport® Visa Infinite +*
• Scotiabank Passport® Visa Infinite Privilege* Card
• Scotiabank American Express^®Card
• Scotiabank Gold American Express®
• Scotiabank Platinum American Express® Card
• Scotia Momentum® No-Fee Visa* Card
• Scotia Momentum® Visa* Card
• Scotia Momentum® Visa Infinite +*
• Scotiabank Value® Visa* Card

Eligible Credit Card Accounts are subject to change.

Offer Eligibility and Exclusions:

6. $700 Package Bonus: Individuals who are currently holders of, or who were previously holders within the last two (2) years, of a Scotiabank Chequing Account are not eligible for this Bonus. “Scotiabank Chequing Account” means any of the following accounts: Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, Student Banking Advantage Plan.
7. $200 Registered Bundle Bonus: In order to qualify for the $200 Registered Bundle Bonus, individuals who have held the same type of Eligible Registered Account (as that opened during the Offer Period) with Scotiabank in the six (6) months preceding the Offer Period are not eligible for this Bonus.
8. $100 Credit Card Bundle Bonus: Individuals who are currently or were previously primary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card are not eligible for this Bonus.
9. Employees of Scotiabank and all of its subsidiaries are also not eligible for the Offer.

Offer Fulfillment 

10. Provided all of the applicable Offer conditions have been met:
    a. the $700 Package Bonus will be deposited to the Eligible Chequing Account within approximately seven (7) months from account open date.
    b. the $200 Registered Bundle Bonus will be deposited to your Eligible Scotiabank Chequing Account within approximately eight (8) months from the Eligible Registered Account open date.
    c. the $100 Credit Card Bundle Bonus will be deposited to your Eligible Scotiabank Chequing Account within approximately eight (8) months from the credit card open date.

11. You have 24 months from the date you believe you have fulfilled the applicable Offer conditions to notify us if you have not received the applicable cash bonus so that we may confirm your eligibility. For clients investing in non-Canadian dollar currencies, the investment will be calculated based on Canadian dollar equivalent at the Scotiabank rate on the transaction date to determine eligibility for the offer. All bonuses will be paid in Canadian dollars.
12. For any cash bonus to be fulfilled, the Eligible Chequing Account, the Eligible Registered Account and the Eligible Credit Card Account, as applicable, must be open and in good standing until the time of payout of the cash bonus. The Eligible Chequing Account is not in “good standing” if: (i) it has a negative balance exceeding the authorized overdraft limit, (ii) it has been in continuous overdraft for a period of three consecutive months, or (iii) the Account holder is in breach of the Account agreement with Scotiabank. An Eligible Registered Account is not in ‘good standing’ if the account holder is in breach of the Eligible Registered Account’s client account agreement. Clients are responsible to confirm their applicable registered plan contribution limits prior to making any contribution to their Eligible Registered Account(s). An Eligible Credit Card Account is not in “good standing” if it is past due or over limit and the Cardholder(s) is in breach of the Revolving Credit Agreement that applies to the Account.
13. If more than one (1) Eligible Chequing Account is opened, only the first Eligible Chequing Account opened will be eligible for the $700 Package Bonus. If more than one (1) Eligible Registered Account is opened, only the first Eligible Registered Account opened will be eligible for the $200 Registered Bundle Bonus. If more than one (1) Eligible Credit Card Account is opened, only the first Eligible Credit Card Account opened will be eligible for the $100 Credit Card Bundle Bonus.
14. For joint accounts, only the primary Eligible Chequing Account holder is eligible to receive $200 Registered Bundle Bonus and the $100 Credit Card Bundle Bonus into their Eligible Chequing Account, as applicable. The primary account holder must be the same client on the Eligible Chequing Account, Eligible Registered Account, and Eligible Credit Card Account.

General Terms

15. This Offer is non-transferable and may not be duplicated. Limit of one (1) $700 Package Bonus, one (1) $200 Registered Bundle Bonus, and one (1) $100 Credit Card Bundle Bonus per client (for a total bonus of up to $1,000), regardless of the number of Eligible Chequing Accounts, Eligible Registered Accounts, or Eligible Credit Card Accounts opened.
16. All rates, fees, features and benefits are subject to change. All other terms and conditions of the Accounts continue to apply.
17. The Offer is non-transferable and may not be duplicated. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers on the Account, unless otherwise permitted by Scotiabank.

² Scotiabank StartRight^® Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.

³ To qualify for the 1-Year No Monthly Account Fee Offer (the “Offer”), open a new Preferred Package account under the StartRight™ Program (the “Account”). During the first 12 months, your monthly Account fee will be waived and will not appear as a charge on your Account. The Account must be open and in good standing at the time of the waiver. All applicable service charges on the Account will continue to be applied monthly. After the first 12 months, you will begin to see the monthly Account fee charged to your Account unless you maintain a minimum daily closing balance of $4,000, in which case the monthly Account fee will be waived per the Account terms and conditions. Employees of Scotiabank and individuals who are currently or were previously holders/joint holders of a Scotiabank chequing account within the last 2 years are not eligible for this Offer. This Offer is non-transferable and cannot be combined with any other offers except as otherwise permitted. Maximum one Offer per customer. All rates, fees, features and benefits are subject to change. Offer may be changed, cancelled, or extended at any time without notice.

⁴ Savings and reward potential in first 12 months includes welcome offer value, first year point earn potential, foreign transaction fee and airport lounge savings as of November 4, 2025

$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months

$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months

$100 in travel rewards (10,000 bonus Scene+ points)  when you spend $40,000 annually on your Account each year (12-months: annual points bonus).

$50 supplementary card annual fee waiver on the first supplementary card for new Scotiabank Passport Visa Infinite Card clients

$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers);

$369 in first year point earn potential (36,900 bonus Scene+ points) on everyday purchases based on average annual spend per account over the last 24 months with an average spend of 21% in 3X and 2X accelerator categories.

$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025.

Potential First Year Value = up to $1,517 (rounded down to $1,500)

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

Offer Description and Conditions: The 50,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport Visa Infinite credit card accounts (“Accounts”) that are opened between January 2, 2026 and July 1, 2026  (regardless of the date you apply for the Account) subject to the conditions below. Offer may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scene+ point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Conditions apply – see below for further details.

50,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for the 40,000 bonus Scene+ points (the “40,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account within the first 3 months of the Account open date. To qualify for an additional 10,000 bonus Scene+ points (the “Additional 10,000 Point Bonus”), you must have at least $10,000 in eligible purchases posted to your new Account in the first 6 months of the Account open date. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

10,000 Annual Bonus Scene+ Point Conditions: As a Scotiabank Passport Visa Infinite credit cardholder you can earn an annual Scene+ point bonus starting at 10,000 Scene+ points (the “Annual Point Bonus”) when you make at least $40,000 in eligible purchases annually on your Account each year (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. If you switch from another Scene+ eligible Credit Card to the Passport Visa Infinite Card (vs. it being opened as a new or additional Card), your original Account open date will carry over to your new Passport Infinite Card and your annual period for this offer will begin on the next anniversary of your original Account open date. For Example: If you originally opened a Scotiabank®* Gold American Express® Card on January 15, 2022, and switch that Card to the Scotiabank Passport® Visa Infinite* Card on July 15, 2025 – your annual period for the 10,000 annual Scene+ point offer will begin on January 15, 2026 (your next Anniversary) and will reset annually on January 15th afterwards. You can also earn 2,000 bonus Scene+ points for every additional $10,000 in eligible purchases thereafter in that same year, after the $40,000 annual spend has been reached. Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges.

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited within approximately 8 weeks after qualifying for a Bonus, provided the Account is open and in good standing. For Joint Accounts with a Primary Borrower and Co-borrower, the applicable point Bonus will be credited as follows: (i) the 40,000 Point Bonus, the Additional 10,000 Point Bonus, and the Annual Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the last transaction to meet the qualifying amount of eligible purchases (i.e., $2,000, $10,000, or $40,000) in the appropriate time frame (i.e., first 3 months, 6 months, or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 40,000 Point Bonus, the Additional 10,000 Point Bonus, or the Annual Point Bonus, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+.  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. All other terms and conditions of the Program Terms continue to apply during the Offer period.

Offer Eligibility and Exclusions: Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank personal credit card in the past 2 years, including those that switch from an existing Scotiabank personal credit card, as well as employees of Scotiabank, are not eligible for the Offer. Subject to the above exclusions, Scotiabank small business credit cardholders are also eligible for the Offer.

Rates and Fees: The current annual fee is $150 for the primary card, $0 for the first additional card and $50 for each additional card thereafter (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for this Account are: 20.99% on purchases and 22.99% on cash advances (including balance transfers and cash-like transactions). All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

⁵ For customers onboarded as a part of the Scotiabank StartRight® Program we do not charge a service fee for the transfer, however, foreign currency exchange rates apply. A transfer needs to be made from an eligible Scotiabank Chequing or Savings account. Subject to daily limits and additional terms and conditions as set out in the Scotiabank International Money Transfer Agreement found at https://www.scotiabank.com/international-money-transfer.

⁶ Conditions apply. Offer valid for new Scotia iTRADE^® accounts, excluding Cash Optimizer Investment accounts, opened by new Scotia iTRADE clients who do not already have an existing account with Scotia iTRADE. If you open one or more new Scotia iTRADE account(s) (each, a “New Account”) and fund the New Account(s) within 60 days of opening the New Account(s) with at least CAD $1,000 in cash or in Net Equity (cheque deposit, electronic funds transfer or transfer of assets) (“Minimum Amount”), from an account that is not held at Scotia iTRADE, (1) the commissions associated with the first 10 online commissionable trades of Equities, Options and ETFs placed within 365 days of the date when you funded your New Account(s) with the Minimum Amount will be credited back to the corresponding New Account within 30 days of each order fill, to a maximum amount of $9.99 per trade in the currency of the account (maximum total commission rebate of $99.90), (2) the amount of the transfer-in fee charged by another Canadian broker will be credited to your New Account (up to $150 per client) subject to Scotia iTRADE’s receipt of the documentation evidencing such transfer-in fee. Scotia iTRADE reserves the right to charge you all or part of the commissions associated with the first 10 online trades completed within 365 days of funding your New Account(s) (when such commissions were previously credited back to your New Account(s)) if the conditions of the offer are not complied with. Scotia iTRADE reserves the right to modify and/or cancel this offer at any time without notice in its sole discretion. Clients must enter the promotional code SRPE15 (English) or SRPF15 (French) when submitting the New Account application to qualify. To qualify for this offer, you must satisfy Scotia iTRADE’s Canadian residency requirements, have a valid Social Insurance Number, be eligible to open a Scotia iTRADE account, maintain all of your accounts at Scotia iTRADE in good standing, not be in a disallowed debit position and not have any outstanding margin calls due. This offer has no cash redemption value. This offer cannot be transferred or combined with any other promotional offer (excluding Refer-a-Friend). Limited to one offer per client. In case of joint account only one account holder will be entitled to receive free equity trades.

^® Registered trademarks of The Bank of Nova Scotia.

± Awarded Best Banking Offer for Newcomers in 2025 by

™ Trademark of The Bank of Nova Scotia.

™* Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation. Used under license.

§ Interac is a registered trade-mark of Interac Corp. Used under licence.

** Visa Int./Licensed User.

^® Scotia iTRADE^® (Order-Execution Only Accounts) is a division of Scotia Capital Inc. (“SCI”). SCI is a member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund. Scotia iTRADE does not provide investment advice or recommendations and investors are responsible for their own investment decisions.

^® Registered trademark of The Bank of Nova Scotia, used under license.