Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are earned on the total value of Things to do, hotel or car rental booking purchases (including taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card. Additional Scene+ Travel Program Terms and Conditions. https://www.scotiabank.com/ca/en/personal/programs-services/sceneplus-rewards.htmlOpens in a new window for details.

⁴ We will not charge you Foreign Transaction Fees on foreign currency transactions including purchases, only the exchange rate applies. The term “Foreign Transaction Fees” is a substitute for “Foreign Currency Conversion” as described in the Disclosure Statement for this Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

⁵ Primary Cardholders with a valid Scotiabank Passport Visa Infinite + Card account (the “Account”) have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by DragonPass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (https://ppg.dragonpass.ca/visacanada/visaairportcompanionOpens in a new window) using a valid Card on the Account. Upon enrollment, 6 complimentary lounge visits will be available for the Primary Cardholder per membership year; the complimentary visits can be used by any Cardholder for themselves and for their accompanying guests at participating lounges (however, Primary Cardholder must be present for each such use). Lounge visits are counted on a per person per visit basis (e.g. lounge access by a Cardholder and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access fees will be charged to the Card connected to the Cardholders’ Program membership (i.e. the Card enrolled in Program).

To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and https://ppg.dragonpass.ca/visacanada/visaairportcompanion.Opens in a new window To view the full Terms and Conditions for the Program, including DragonPass Terms of Use and Privacy Policy and Visa’s Privacy Policy that apply to the Program, visit the Visa Airport Companion Program App or https://ppg.dragonpass.ca/visacanada/visaairportcompanion.Opens in a new window

The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor the

Bank of Nova Scotia is responsible for the Program or any claims or damages arising from participation in the Program.

Unless the Program membership is suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (based on date when the Cardholder enrolled for the Program). Program membership will be cancelled if your Scotiabank Passport Visa Infinite + Card is cancelled. If your Scotiabank Passport Visa Infinite + Card is renewed or replaced, remember to update your card details within the Visa Airport Companion Program (either on the App or on the Program https://ppg.dragonpass.ca/visacanada/visaairportcompanionOpens in a new window).

Access upon presentation of a valid and enrolled Scotiabank Passport Visa Infinite + Card, while available in most lounges within the Visa Airport Companion Program, is subject to availability.

⁶ For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are subject to change without notice. Learn more about https://www.scotiabank.com/ca/en/personal/credit-cards/fees.htmlOpens in a new window and https://www.scotiabank.com/ca/en/personal/rates-prices/credit-card-rates.htmlOpens in a new window.

⁷ Offer Description and Conditions: The 80,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Passport® Visa Infinite Privilege* credit card accounts (“Account”) opened between May 1, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below. To qualify for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $3,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To qualify for an additional 30,000 bonus Scene+ points (the “Additional 30,000 Point Bonus”), you must have at least $20,000 in eligible purchases posted to your new Account in the first 6 months of the Account open date. To qualify for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must make at least one eligible purchase that is posted to your new Account during the 14th month after the month the Account was opened. 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.

The applicable point Bonus(es) will be credited to the Scene+ account 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 30,000 Point Bonus and Additional 30,000 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., $3,000 or $20,000) in the appropriate time frame (i.e., first 3 months or first 6 months), and (ii) the Additional 20,000 Point Bonus will be credited to the Scene+ account linked to the Account of the borrower that completed the first transaction that qualifies as an eligible purchase during the 14th month after the month the Account was opened. If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 30,000 Point Bonus, or completes the first transaction that qualifies for the Additional 20,000 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 Scene+ Program Terms continue to apply during the Offer period. Offer may be changed, cancelled or extended at any time without notice 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 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 $599 for the primary card and $199 for each additional card (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the 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.

⁸ ACCELERATED EARN RATES:

Travel Purchases: You are awarded three (3) Scene+ Points for every eligible $1.00 in travel purchases charged and posted to the Scotiabank Passport Visa Infinite Privilege credit card account (the “Account”). Travel purchases are those purchases identified further below under the “Merchant Classifications”.

Earning Scene+ Points on Scene Program Card

You may earn Scene+ Points on the total value of your purchase made using Scene+ Travel, including taxes and fees, whether it was made using Scene+ Points or a payment card (including a Program Card) or a combination of the two. Any Scene+ Points earned on a travel purchase using Scene+ Travel will be applied to your Scene+ Account within 6 weeks after you have completed your itinerary.

Hotels: 3 Scene+ Points per $1 spent;

Car Rental: 3 Scene+ Points per $1 spent

Things to Do: 3 Scene+ Points per $1 spent

The earn rates on Scene+ Travel may be changed.

Dining and Entertainment Purchases: You are awarded two (2) Scene+ Points for every eligible $1.00 purchase on all dining and entertainment purchases charged and posted to the Account (the earn rates for each of the categories are referred to as the “Accelerated Earn Rates”).

Regular Earn Rate: You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Account (the “Regular Earn Rate”).

Merchant Classifications: You will earn the Accelerated Earn Rates on purchases made on your account at merchants classified in the Visa credit card network with a Merchant Category Code (“MCC”) in the “Travel” category (the “travel purchases”) (including Airlines and Air Carriers, Car Rental Agencies, Lodging – Hotels, Motels, Resorts, Local and Suburban Commuter Passenger Transportation, including Ferries, Passenger Railways, Taxicabs and Limousines, Bus Lines, Steamship and Cruise Lines, Airlines and Air Carriers – Not Elsewhere Classified, Travel Agencies and Tour Operators, Tolls and Bridge Fees, Transportation Services – Not Elsewhere Classified, Lodging – Hotels, Motels, Resorts, Central Reservation Services not elsewhere classified, Timeshares, Trailer parks and Campgrounds, Automobile Rental Agency and Motel Home and Recreational Vehicle Rentals ); or in the “Dining” category (“Dining Purchases”) (including Eating Places and Restaurants, Drinking Places and Fast Food Restaurants); or in the “Entertainment” category (the “Entertainment Purchases”) (including Motion Picture Theatres, Ticket Agencies and Theatrical Producers, Ticket Agencies, Bands, Orchestras, Miscellaneous Entertainers - Not Elsewhere Classified, Tourist Attractions and Exhibits, Aquariums, Seaquariums, Dolphinariums, and Zoos categories). MCC are set by the Visa credit card network associated with your Account and must be recognized by Scotiabank’s system as set out in the Scene+ Program terms and conditions. MCC are subject to change.

Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner that may not be classified with an MCC under the Accelerated Earn Rate categories of Travel, Dining and Entertainment and such purchases will not earn the Accelerated Earn Rates on the Account as applicable.

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at https://scotiabank.com/sceneplusOpens in a new window for full program details.

All dollar amounts are in Canadian currency unless otherwise stated.

Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel purchases made through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are only earned on the total value of hotel or car rental booking purchases (excluding taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel and things to do must be booked through the Scene+ Travel website or Scene+ Travel call centre. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ points are earned on the total value of Things to do, hotel or car rental booking purchases (including taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card.

For additional Scene+ Travel Program Terms and Conditions visit https://sceneplus.ca/terms-and-conditions.Opens in a new window

Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please see the Certificates of Insurance for full coverage details. Coverages are underwritten by The Manufacturers Life Insurance Company and its wholly owned subsidiary First North American Insurance Company. The Bank of Nova Scotia is not an insurer. All insurance claims must be forwarded to the insurance providers.

¹¹ Cardholders with a valid Canadian issued Visa Infinite Privilege Card have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enrol for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program http://www.visaairportcompanion.ca/Opens in a new window (visaairportcompanion.ca) using a valid Canadian issued Visa Infinite Privilege Card. Upon enrollment, 10 complimentary lounge visits will be available for the Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and http://www.visaairportcompanion.ca/Opens in a new window for more information. Cardholders who participate in the Program are subject to the DragonPass https://en.dragonpass.com.cn/info/termsofuse,Opens in a new window https://en.dragonpass.com.cn/info/termsofserviceOpens in a new window and https://en.dragonpass.com.cn/info/privacypolicyOpens in a new window and https://www.visa.ca/en_CA/legal/global-privacy-notice.html.Opens in a new window To view the full Terms and Conditions for the Program, please visit the Program App or http://www.visaairportcompanion.ca/.Opens in a new window The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor the Issuer is responsible for any claims or damages arising from participation in the Program.

¹² Offer Description and Conditions: The 50,000 Bonus Scene+ Points (the “Offer”) applies only to new Scotiabank Gold American Express credit card accounts (“Accounts”) opened between July 2, 2026 and November 1, 2026 (regardless of the date you apply for the Account) and is subject to the conditions below.

50,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 30,000 bonus Scene+ points (the “30,000 Point Bonus”), you must have at least $2,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the “Additional 20,000 Point Bonus”), you must have at least $7,500 in eligible purchases posted to your new Account in the first year (12 months) of 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.

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account 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 30,000 Point Bonus and Additional 20,000 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 or $7,500) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 20,000 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 may be changed, cancelled or extended without notice at any time 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 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 $120 for the primary card and $29 for each additional card (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the Account are: 21.99% 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.

You are awarded five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment charged and posted to the Scotiabank Gold American Express Account. You are awarded three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases charged and posted to the Scotiabank Gold American Express Account (the earn rates for each of the above categories and merchants are referred to as the “Accelerated Earn Rates”). You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Gold American Express Account (the “Regular Earn Rate”).

You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable) under the Scene+ program if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ Point for every $1 charged to the Scotiabank American Express® credit card once that foreign currency has been converted into Canadian dollars.

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code (“MCC”) that identifies them in the American Express network in the “grocery”, “dining”, “entertainment”, “gas”, “streaming service” or “transit” category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank Gold American Express Account. Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at http://www.scotiabank.com/sceneplusrewardsOpens in a new window for full program details. All dollar amounts are in Canadian currency unless otherwise stated.

¹⁴ Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Gold American Express Card is cancelled. For complete Priority Pass terms and conditions, please visit https://www.prioritypass.com/Conditions-of-use.Opens in a new window

® Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express

™ Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license

* Visa Int. / Licensed User