Scotiabank® Scene+™ Visa* Card

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.