Join the Scene+ program and start earning and redeeming rewards right away!

1 The following terms and conditions govern the Scotiabank Scene Visa credit card account opening bonus of 10,000 bonus Scene Points ("Offer"), which is valid only for new Scotiabank Scene Visa credit card accounts (excluding Scene Student Visa cards) opened by April 30, 2023. This offer

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The following terms and conditions govern the Scotiabank Scene Visa credit card account opening bonus of 10,000 bonus Scene Points ("Offer"), which is valid only for new Scotiabank Scene Visa credit card accounts (excluding Scene Student Visa cards) opened by April 30, 2023. This offer is not valid with any other discounts and may be changed, canceled, or extended at any time.

Details of the $10,000 Bonus Scene Points Promotion: A new Account must be opened by April 30, 2019, to be eligible for the 5,000 bonus Scene points ("5,000 Point Bonus"). If you open a new Account on or before December 31st, 2023, and charge at least 0 in qualifying purchases to it within the first 90 days, you'll get a If you open a new Scene Rewards account and make at least ,000 in purchases within the first twelve months (the "Annual 5,000 Point Bonus"), you'll get 5,000 bonus Scene points. The term "eligible purchases" refers to purchases minus any payments, cash advances (including balance transfers or cash-like transactions), interest, fees, or other charges.

Once 0 in eligible purchases have been posted to your Account within the first three months of Account open date, the 5,000 Point Bonus will be credited to the primary cardholder's Scene account (if the Account is open and in good standing) within approximately two to three business days. If your Scene account is open and in good standing, the Annual 5,000 Point Bonus will be credited to your account within approximately two to three business days after you have spent ,000 on the Account during the calendar year. To have an Account in good standing, it must not be overdue or over the credit limit, and the Cardholder(s) must not be in default under the relevant Revolving Credit Agreement.

Persons who are, or have been within the past 2 years, primary or secondary cardholders of a Scotiabank personal credit card, including those who switch from an existing Scotiabank personal credit card, and employees of Scotiabank are ineligible for the Offer. Scotiabank business credit card holders are also eligible for the Offer, with the aforementioned caveats.

Current rates and fees include zero annual fee for the primary card and zero annual fee for each additional card. Presently, the Account's preferred annual interest rates are: 19 The percentage is 99 percent for purchases and 22 Cash advances (including balance transfers, Scotia® Credit Card Cheques, and other cash-like transactions) are subject to a rate of 99%. Changes may be made to any and all costs, services, and perks.  

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If you use your Scene ScotiaCard debit card to make purchases at Cineplex Entertainment theaters or on cineplex.com, you'll earn 1 Scene point for every $1 you spend. Not included: gift cards The maximum number of Scene points that can be earned in one purchase is 300. There is a daily cap of 600 Scene points. The use of this site is subject to certain restrictions and conditions.  

For more information, please go to www.sceneplus.ca.

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You'll earn three (3) Scene Points for every valid dollar spent. spend

Join the Scene+ program and start earning and redeeming rewards right away!

Helpful Advice on Earning and Redeeming Scene+ Rewards
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.00 at any of the following retailers: Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, Chalo Purchases made at FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway, and Voilà par IGA, and billed to a Scotiabank Passport Visa Infinite Account. There may be periodic, unannounced changes to this list of participating supermarkets. Visit scotiabank.com/participatingstores to view a complete list of Canadian retailers who are taking part.  

For every $1 in qualifying purchases, you'll earn two (2) Scene Points. All other grocery (not included above), dining, entertainment, and daily transit purchases made with your Scotiabank Passport Visa Infinite Account will earn 1 point for every $1. The threshold for this accelerated earn rate is detailed below.

The rate of reward for each dollar spent is one (1) Scene Point. 00 for all other purchases (the "Regular Earn Rate") made with your Scotiabank Passport Visa Infinite Account.  

For Scotiabank Passport Visa Infinite Accounts only, the minimum qualifying purchase to earn the accelerated earn rate is . You can earn this bonus after spending $10, You can earn this bonus after spending $10, 000 per year on your Scotiabank Passport Visa Infinite account ("Account") at merchants classified in the Visa credit card network as Grocery Stores and Supermarkets; Eating Places and Restaurants, Drinking Places, Fast Food Restaurants; Entertainment including Motion Picture Theatres, Theatrical Producers; and Gas Stations. Transportation Services (Not Elsewhere Classified) Ticketing, Live Music (Bands, Orchestras, etc.), Ferries, Passenger Railways, Taxis, Limousines, Bus Lines, etc. If a business is classified by a credit card network as providing a different set of goods and services, or if another business is operating out of the same physical location but does not accept credit cards, then this additional perk does not apply to that business. The maximum annual spending limit of ,000 is based on a twelve-month period beginning on January 1 and ending on December 31. After your maximum annual spending of ,000 has been reached, you will earn 1 point for every $1 spent on the Account, down from 2 points per $1. You can only earn Scene Points through purchases. In the case of cash advances, balance transfers, Scotia® Credit Card Cheques, payments, returns, refunds, and other similar credits, fees, interest, and other charges, no Scene points will be awarded. Unless otherwise specified, all dollar amounts are expressed in Canadian dollars.

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For every dollar that qualifies, you'll earn two (2) Scene Points. money spent at Sobeys, Safeway, IGA, Foodland, Foodland & Participating Co-ops, FreshCo, or Chalo Payments made at FreshCo, Thrifty Foods, Rachelle Béry, Les Marchés, Voilà by Sobeys, Voilà by Safeway, and Voilà par IGA will be processed through and posted to the Scotiabank Scene Visa Account. This list of approved supermarkets may be updated at any time. Visit scotiabank.com/participatingstores to view the complete list of Canadian retailers that are taking part. In addition, for every dollar spent, you'll gain two (2) Scene Points. Scotiabank Scene Visa Account for a minimum of

Join the Scene+ program and start earning and redeeming rewards right away!

Helpful Advice on Earning and Redeeming Scene+ Rewards
Helpful Advice on Earning and Redeeming Scene+ Rewards

Scene Rewards is a popular Canadian loyalty program with a wide range of retail and entertainment partners. One of the most popular aspects of this loyalty program is how simple it is to rack up points and cash them in for rewards. In December 2021, the Scene rewards program would replace

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.00 in Cineplex theater and online at cineplex.com purchases (the earn rates for each of the above merchants are referred to as the "Accelerated Earn Rates") For every dollar you spend, you'll earn one (1) Scene Point. 00 for all other purchases made with the Scotiabank Scene Visa Account ("Regular Earn Rate").
To earn Scene Points, a user must make a purchase. No Scene Points are awarded for cash advances (including Balance Transfers, Scotia Credit Card Cheques, or Cash-Like Transactions), fees, interest, or other charges, returns, refunds, or other similar credits to your Account. If your Account is closed when your statement is generated, or if your Account is not open when a statement is generated, then you will not receive Scene Points for any purchases made or credited to your Account. Please refer to www.scotiabank.com/sceneplus for complete Scene Points Program details.
Unless otherwise specified, all monetary amounts are expressed in Canadian dollars.

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For every dollar that qualifies, you will receive six (6) Scene Points. 00 CAD at any of the following locations: Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo The Scotiabank Gold American Express Card was used to make purchases at FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and the Co-Op. Some or all of the grocery stores on this list may lose their eligibility at any time with or without prior notice. Visit scotiabank.com/participatingstores to view a complete list of Canadian retailers who are taking part.  

For every $1 in qualifying purchases, you will earn five (5) Scene Points. 0 Canadian Dollars (CAD) on all other food (not listed above), dining, and entertainment charged to and posted to your Scotiabank Gold American Express Card. For every dollar that qualifies, your account will be credited with three (3) Scene Points. 00 CAD on your Scotiabank Gold American Express Card for gas, public transit, and select streaming service purchases charged and posted (the earn rates for each of the above categories and merchants are referred to as the "Accelerated Earn Rates"). One (1) Scene Point is awarded for every dollar spent. 0 (the "Regular Earn Rate") on all other purchases made with your Scotiabank Gold American Express Card.  

Only purchases made in Canadian dollars will earn you Scene Points at the accelerated rates of 6X, 5X, or 3X, respectively. If you use your Scotiabank American Express® credit card to make purchases in a currency other than Canadian dollars, you will only be awarded 1 Scene Point for every $1 charged.

American Express network merchant categories Purchases must be made at businesses that have been assigned an American Express Merchant Category Code ("MCC") that places them in the "grocery," "dining," "entertainment," "gas," "streaming service," or "transit" category. A purchase made at a store where these products are not the main focus does not qualify. The Accelerated Earn Rate does not apply to purchases made at merchants that (i) offer products or services that do not fall under the applicable MCCs, or (ii) have other merchants operating out of the same location. For the Scotiabank Gold American Express Card, the Accelerated Earn Rates apply to the first ,000 in purchases made at Accelerated Earn Rate merchants each calendar year (January 1st through December 31st). After the qualifying annual spending threshold has been reached, you will earn points at the Regular Earn Rate of one (1) Scene Point per $1 spent. Posted to the Scotiabank Gold American Express Account were purchases totaling

Join the Scene+ program and start earning and redeeming rewards right away!

Helpful Advice on Earning and Redeeming Scene+ Rewards
Helpful Advice on Earning and Redeeming Scene+ Rewards

Scene Rewards is a popular Canadian loyalty program with a wide range of retail and entertainment partners. One of the most popular aspects of this loyalty program is how simple it is to rack up points and cash them in for rewards. In December 2021, the Scene rewards program would replace

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The image was sourced from: istockphoto.com. com A: It sounds like a dream come true for any housekeeper: a self-cleaning oven. This feature, which has been around since the early 1960s for both gas and electric ovens, can cause some confusion and even stir up some controversy when put into

Author: Bramy Bones Author: Bramy Bones
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What Is The Proper Method For Measuring The Space Between Your Eyes' Pupils
What Is The Proper Method For Measuring The Space Between Your Eyes' Pupils

If you've never ordered prescription eyeglasses online before, you might feel apprehensive about the process, especially when you come across terms like pupillary distance.

Author: Bramy Bones Author: Bramy Bones
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.00 The only way to earn Scene Points is to make a purchase. No Scene Points will be awarded for any cash withdrawals, balance transfers, cash equivalent transactions, fees, interest, or other charges credited to your Account. Any purchases or Scene Points earned after a statement has been issued will not be credited to an inactive or closed Account. Terms and conditions for your Scene Points program can be found at www.scotiabank.com/sceneplus. Unless otherwise specified, all dollar amounts are expressed in Canadian dollars.

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The 30,000 Bonus Scene Points and First Year Annual Fee Waiver Offer ("Offer") is valid only for new Scotiabank Passport Visa Infinite credit card accounts ("Accounts") opened by April 30, 2023, and is subject to the terms and conditions set forth below. For the first year only, we will not charge you an annual fee for the Account's primary card if it is issued before April 30, 2023. This offer is subject to change, cancellation, or extension at any time and cannot be used in conjunction with any other promotion. In addition, if you use your Scotiabank Passport Visa Infinite credit card to make at least $40,000 in annual eligible purchases, you will receive a bonus of 10,000 Scene points. See the details and applicable conditions down below.

The terms and conditions of the 30,000 bonus Scene points offer are as follows: Within the first three months of opening your new Account, you must have at least $1,000 in eligible purchases posted to your Account in order to be eligible for the 30,000 bonus Scene points (the "Bonus Offer"). Payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees, and other charges are not eligible purchases because they are not considered "purchases." If the qualifying $1,000 in eligible purchases posts to your Account within 3 months from the Account open date, and your Account is open and in good standing, the 30,000 Bonus Offer points will be credited to the primary cardholder's Scene account within approximately 2-3 business days. To have an Account in good standing, it must not be overdue or over the credit limit, and the Cardholder(s) must not be in default under the relevant Revolving Credit Agreement. This Promotional Bonus is only valid for new Accounts opened by April 30, 2023.

You can get a yearly bonus of up to 10,000 Scene points with the Scotiabank Passport Visa Infinite credit card, provided that you charge at least $40,000 to your account in a calendar year (that's 12 months). The calendar year for your Account begins on the day it is opened and ends on the day it is closed. Once the $40,000 annual spend threshold is reached, you will receive 2,000 bonus Scene points for every additional $10,000 spent in that same year. Payments, cash advances (including balance transfers, Scotia® Credit Card Cheques or cash-like transactions), interest, fees, and other charges are not eligible purchases because they are not considered "purchases." After reaching the $40,000 annual spend threshold on the Account, and again after reaching each additional $10,000 annual spend threshold, Scene bonus points will be credited to your Account within about 2–3 business days. granted that your Account is active and in good standing (as described above).

For the first year only, if your primary card was issued before April 30, 2023, your annual fee will be waived.  

Eligibility and Exclusions: Employees of Scotiabank, current or former primary or secondary cardholders of a Scotiabank personal credit card within the past 2 years (including those who switch from an existing Scotiabank personal credit card), and anyone who has held a Scotiabank personal credit card in the past is not eligible for the Offer. Credit cardholders for small businesses at Scotiabank are also welcome to apply for the Offer, with the aforementioned caveats.

Pricing: The initial annual fee is $150, subsequent additional cards are free, and each additional card after that costs . The current annual preferred interest rates for this Account are: 20 To the tune of 99 percent off retail and 22 percent off Cash advances (including balance transfers, Scotia® Credit Card Cheques, and other cash-like transactions) are charged at a rate of 99 percent. Changes may be made to any and all costs, services, and perks.  

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The 45,000 Bonus Scene Points and First Year Annual Fee Waiver Offer (the "Offer") is valid only for new Scotiabank Gold American Express credit card accounts ("Accounts") opened by April 30, 2023, and is subject to the terms and conditions set forth below. For the first year only, we will not charge you an annual fee for using the primary card that was issued for your Account before April 30, 2023. No other discounts will apply, and this offer may be withdrawn, modified, or extended at any time.

Full Details of the 45,000 Bonus Scene Points Offer: In order to receive 25,000 bonus Scene points (the "25,000 Point Bonus"), you must open a new Account by April 30, 2023 and deposit at least $1. In the first three months after opening your Account, you can earn a bonus of up to $. To receive an additional 20,000 Scene points ("Annual 20,000 Point Bonus"), you must spend at least ,500 in your first year (12 months) after opening your new Account ("Eligible Purchases"). Payments, cash advances (including balance transfers or cash-like transactions), interest, fees, and other charges are not eligible purchases but do include purchases (less any refunds, returns, or similar credits).

If your Scene account is open and in good standing on the date the qualifying $1,000 in eligible purchases is posted to your Account within the first three months of Account open date, the 25,000 Point Bonus will be credited to your Account within approximately two to three business days thereafter. If your Account is open and in good standing, the Annual 20,000 Point Bonus will be credited to the primary cardholder's Scene account within approximately 2-3 business days after you have spent ,500 on the Account. If the Account is not overdue or over the credit limit and the Cardholder(s) are not in default under the Revolving Credit Agreement governing the Account, then the Account is in good standing.
 

Offer Details: For the first year only, we will not charge you an annual fee for the primary card on your Account if it is issued before April 30, 2023.  

Limitations on Eligibility The Offer is not available to current or former primary or secondary cardholders of a Scotiabank personal credit card within the past 2 years, including those who switch from an existing Scotiabank personal credit card, or to employees of Scotiabank. Scotiabank business credit cardholders are also eligible for the Offer, with the aforementioned caveats.

Current rates and fees are as follows: annual fee, $120; additional cards, $29. Currently, the Account is earning the following annual preferred interest rates: 20 The percentage is 99 percent for purchases and 22 Rate of 99 percent on all cash advances, balance transfers, and other transactions with a cash equivalent. Changes may be made to any and all costs, services, and perks.

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If you sign up for our Preferred Package, we'll consider the date your account was opened (the "Account Open Date") to be the beginning of your "Account Term." Any new Scotiabank Credit Card account ("Eligible Card") opened on or after the Account Open Date will have its annual fee waived for the first year ("First Year Annual Fee Waiver"). These credit cards from Scotiabank: Scotiabank Gold American Express, Scotiabank PassportTM Visa Infinite*, Scotia Momentum® Visa Infinite, and Scotiabank Value® Visa* are all accepted. It's possible that we'll update the cards that qualify. No matter how many people are listed as account holders or how many Eligible Cards are linked to an Account, only one First Year Annual Fee Waiver can be applied to that Account. A primary card's first annual fee charged to an Eligible Card after the Account Open Date will be waived. The First Year Annual Fee Waiver will only be applied to the first annual fee for a primary card that is charged on an Eligible Card after the Account Open Date if more than one Eligible Card is opened after the Account Open Date. New Eligible Cards opened on or after the Account Open Date qualify for this offer, which waives the annual fee for the first year. Ineligible cardholders include those who have held an Eligible Card in the past, are currently holding an Eligible Card, or who have transferred to an Eligible Card on or after the Account Open Date. All other charges and fees associated with the Eligible Card will remain in effect. The first year's annual fee is waived for new accounts and eligible cards, but it won't work if your account isn't open or in good standing, and it can't be used in conjunction with any other annual fee waiver offer. The current Eligible Cards' annual fees, interest rates, and other features are subject to change.

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The annual fee for your Ultimate Package account (the "Account") will be waived ("Annual Fee Waiver") if you open your account on or after the date of this offer ("Account Open Date"). For as long as you keep the Account open and use an Eligible Scotiabank Credit Card (an "Eligible Card"), you will receive a $100 annual statement credit. If you opened an Eligible Card before your Account Open Date, you are still eligible for the Annual Fee Waiver. Scotiabank Gold American Express, Scotiabank PassportTM Visa Infinite*, Scotia Momentum® Visa Infinite, and Scotiabank Value® Visa* are all Visa credit cards that meet the criteria. Changes may be made to the cards that qualify. There is a limit of one Annual Fee Waiver per Account, regardless of the number of Account owners or Eligible Cards associated with the Account. After the Account Open Date, the first primary Card's annual fee charged on an Eligible Card will be waived. In the event that more than one Eligible Card is added to an account after the Account Open Date, the Annual Fee Waiver will only apply to the first annual fee for a primary card added to an Eligible Card after the Account Open Date. All other charges associated with the Eligible Card will remain in effect. No other annual fee waiver offers may be combined with this one, and the Annual Fee Waiver will not be applied if your Account or Eligible Card is closed or not in good standing. All Eligible Cards are subject to change in annual fees, rates, and other terms and conditions.

10

If you spend $1 in the Scene Store, you'll get 3 Scene Points. to spend

Join the Scene+ program and start earning and redeeming rewards right away!

Helpful Advice on Earning and Redeeming Scene+ Rewards
Helpful Advice on Earning and Redeeming Scene+ Rewards

Scene Rewards is a popular Canadian loyalty program with a wide range of retail and entertainment partners. One of the most popular aspects of this loyalty program is how simple it is to rack up points and cash them in for rewards. In December 2021, the Scene rewards program would replace

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Here's the Deal: Amazon's Gift Card Code Application

How to add a gift card balance to your Amazon account in easy stepsCongratulations! You have received an Amazon gift card as a present. This could have been the result of a birthday, a graduation, or an anniversary.

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Defused: The Conundrum of When to Use the "Self-Clean" Setting On Your Oven
Defused: The Conundrum of When to Use the "Self-Clean" Setting On Your Oven

The image was sourced from: istockphoto.com. com A: It sounds like a dream come true for any housekeeper: a self-cleaning oven. This feature, which has been around since the early 1960s for both gas and electric ovens, can cause some confusion and even stir up some controversy when put into

Author: Bramy Bones Author: Bramy Bones
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What Is The Proper Method For Measuring The Space Between Your Eyes' Pupils
What Is The Proper Method For Measuring The Space Between Your Eyes' Pupils

If you've never ordered prescription eyeglasses online before, you might feel apprehensive about the process, especially when you come across terms like pupillary distance.

Author: Bramy Bones Author: Bramy Bones
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.00 at any of the following stores: Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo The Scotiabank American Express Card was used to make purchases at FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and the Co-Op. This list of approved supermarkets may be updated at any time. To view the complete list of Canadian retailers that are taking part, visit scotiabank.com/participatingstores.  

In addition, for every valid dollar spent, you will receive two (2) Scene Points. The earn rates for each of the above categories and merchants are referred to as the "Accelerated Earn Rates," and they are as follows:.00 on all other grocery (not listed above), dining, entertainment, gas, daily transit, and select streaming services charged and posted to the Scotiabank American Express Account ("Account"). For every dollar you spend, you'll earn one (1) Scene Point. Regular Earn Rate" of.00 on all other purchases made with the Scotiabank American Express Card.  

Category codes for American Express network merchants Purchases must be made at businesses that have been assigned an American Express Merchant Category Code ("MCC") that places them in the "grocery," "dining," "entertainment," "gas," "streaming service," or "transit" category. Purchases made at stores where these are not the main lines of business are not eligible. It is possible that some merchants (i) provide goods or services that are not classified with an MCC under the Accelerated Earn Rate categories, or (ii) have other merchants located on their premises that do not qualify for the Accelerated Earn Rate on purchases made at those merchants.  

11

You'll earn Scene Points on all eligible purchases made with your Scotiabank Platinum American Express Credit Card Account ("the Account"). Two (2) Points will be awarded for every dollar spent. zero dollars worth of charges and credits on the Account

The only way to earn Scene Points is to make a purchase. No Scene Points will be awarded for cash advances (including Balance Transfers, Scotia® Credit Card Cheques, or Cash-Like Transactions), fees, interest, other charges, returns, refunds, or other similar credits to your Account. If your Account is not open when your statement is generated, or if your Account balance is negative when a statement is generated, then you will not receive Scene Points for any purchases made or credited to your Account. Program details can be found at www.scotiabank.com/sceneplus under the Scene Points terms.

When making purchases at Accelerated Earn Rate merchants, the Scotiabank American Express Accelerated Earn Rate applies to the first ,000 charged to your Scotiabank American Express Account each calendar year. This amount is calculated from January 1st through December 31st. Once your annual spending total is over the qualifying amount, you will earn points at the Regular Earn Rate of one (1) Scene Point per $1 spent.

Join the Scene+ program and start earning and redeeming rewards right away!

Helpful Advice on Earning and Redeeming Scene+ Rewards
Helpful Advice on Earning and Redeeming Scene+ Rewards

Scene Rewards is a popular Canadian loyalty program with a wide range of retail and entertainment partners. One of the most popular aspects of this loyalty program is how simple it is to rack up points and cash them in for rewards. In December 2021, the Scene rewards program would replace

Author: Bramy Bones Author: Bramy Bones
Posted: 02:24, Monday 06/02/2023
Here's the Deal: Amazon's Gift Card Code Application
Here's the Deal: Amazon's Gift Card Code Application

How to add a gift card balance to your Amazon account in easy stepsCongratulations! You have received an Amazon gift card as a present. This could have been the result of a birthday, a graduation, or an anniversary.

Author: Bramy Bones Author: Bramy Bones
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Defused: The Conundrum of When to Use the "Self-Clean" Setting On Your Oven
Defused: The Conundrum of When to Use the "Self-Clean" Setting On Your Oven

The image was sourced from: istockphoto.com. com A: It sounds like a dream come true for any housekeeper: a self-cleaning oven. This feature, which has been around since the early 1960s for both gas and electric ovens, can cause some confusion and even stir up some controversy when put into

Author: Bramy Bones Author: Bramy Bones
Posted: 00:29, Saturday 04/02/2023
What Is The Proper Method For Measuring The Space Between Your Eyes' Pupils
What Is The Proper Method For Measuring The Space Between Your Eyes' Pupils

If you've never ordered prescription eyeglasses online before, you might feel apprehensive about the process, especially when you come across terms like pupillary distance.

Author: Bramy Bones Author: Bramy Bones
Posted: 02:42, Friday 03/02/2023
Showing page 1 of 16
worth of charges were authorized and processed on the American Express Card issued by Scotiabank.

You can only earn Scene Points through purchases. You cannot earn Scene Points for any cash advances (including Balance Transfers, Scotia Credit Card Cheques, or Cash-Like Transactions), fees, interest, or other charges, returns, refunds, or other similar credits to your Account. If your Account is not open when your statement is generated or if your Account balance is negative when a statement is generated, you will not receive Scene Points for purchases made or for the statement period in question. Please refer to www.scotiabank.com/sceneplus for complete Scene Points Program details.

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Other banking services, such as shared ABM usage, international debit transactions, and foreign currency exchange, will incur additional fees beyond those associated with the basic checking account. If you make more than 99 Interac e-Transfers in a single month, you may be charged a fee at the beginning of the following month. If you make an Interac e-Transfer transaction that exceeds the number of debit transactions allowed in your account, a fee for additional debit transactions may be assessed for accounts that do not provide unlimited debit transactions.

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This plan is available to students in Canada and the United States who are enrolled in an accredited postsecondary institution. Full-time students who are enrolled in a degree-granting course are the only ones eligible for this plan. Every year before November 30th, you must verify your full-time enrollment at an eligible post-secondary institution to receive the account benefits for that academic year. If you stop being a full-time student or don't provide enrollment documentation, your plan will be terminated and your account will be converted to a more appropriate account based on your most recent spending patterns.

14

If you make more than 99 e-transfers in a given month, you may have to pay a fee, but it will be refunded the following month.

15

If you use your Scene ScotiaCard® debit card to make debit purchase transactions or Interac Flash transactions from an eligible account, you will earn 1 Scene point for every spent. Typical Interac Flash transaction limits will apply. Some restrictions and stipulations may also apply. Information is available at www.scotiabank.com/sceneplus. To earn and redeem Scene points, a card must be linked to a membership. Your card's accumulated scene points will be updated in about 2–3 days. You can use your Scene points toward hotel stays, plane tickets, restaurants, retail purchases, bank services, and more by visiting www.sceneplus.ca.

®*

Acknowledged service mark of The Bank of Nova Scotia

®

The word "American Express" is a trademark of that company. The Bank of Nova Scotia, operating under license from American Express, is responsible for issuing and managing this credit card program.

™*

Bank of Nova Scotia registered trademark

The terms "Scene" and "the Icon Design" are registered trademarks of Scene Plus IP Corporation.

*

Visa Int Accredited End-User

^

For more information about the third-party service provider that powers Scene Travel Service's booking site and call center, please go to sceneplus.ca.

All Cineplex Entertainment LP trademarks and logos are used with permission.

Consider the potential cost savings and reward earnings over the course of a year, based on the following card usage and offers: $450 in travel rewards (45,000 bonus Scene points) when you spend $1,000 within the first three months (to earn 25,000 points) and when you spend ,500 within the first six months (to earn 70,000 points). 500 in the first 12 months (for an extra 20,000 points); having the primary card fee waived for the first year for $120; saving an average of $33 on foreign transaction fees based on the first year's annual foreign spend per account (minus the first year's $2 fee for each foreign transaction). fee (typically 5% from other card issuers) and $247 in travel rewards (24 points per $1 spent abroad). Potential First Year Value = up to 0 (or 709 Scene Points) on everyday purchases based on average first-year spend per account, with an average of 21% in 5x accelerator and 7% in 3X accelerator categories. The amount of money you save or earn from using your card will vary depending on how you use it and if you qualify for any deals. Restricted Use Areas Only

In exchange for the Preferred or Ultimate Package, you can get $350 in cash.

The Preferred Package cash offer of $350 and the Ultimate Package cash offer of $350 (each an "Offer," collectively the "Offers") are subject to the following conditions:

To be eligible for this offer, you must: 1. create a new Ultimate or Preferred Account ("Eligible Account") by April 30, 2023; and 2. maintain the account until April 30, 2024.

Within the first 60 days of opening an Eligible Account, you must complete any two (2) of the following:

Use the Scotiabank Mobile App or Scotia OnLine to make at least one (1) eligible online bill payment of at least , or

Establish and clear at least two (2) separate eligible recurring pre-authorized transactions of at least each that will each recur monthly for at least three (3) consecutive months, or

Establish and maintain a minimum of three (3) consecutive monthly payroll or pension direct deposits that are both automated and recurring.

Direct Deposit, Pre-Authorized Transaction, and Online Bill Payment Eligibility List Scotiabank reserves the right to modify these lists and to determine whether a particular direct deposit, pre-authorized transaction, or bill payment is eligible for the Offers regardless of whether the transaction is included in these lists. Instructions for sending money to another Scotiabank account (either temporarily or permanently, e. g Anyone who transfers funds from their Offer-eligible Account (whether a credit card or savings account) to a non-Offer-eligible Account (such as an account at another financial institution's acquiring bank or a payment processor's account) is ineligible

Individuals who already have a Scotiabank Chequing Account are ineligible for the Offers (and vice versa). Previous Scotiabank Chequing Account holders within the preceding two (2) years are ineligible for the Offers. A Momentum Chequing, Power Chequing, Scotia One Service, Scotia Value, or Student Banking Advantage Plan account qualifies as a "Scotiabank Chequing Account," as do the Ultimate Package, Preferred Package, Scotia One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, and Scotia One Service. The Offers are also not available to Scotiabank employees.

Provided all Offer conditions outlined above are met, the $350 cash bonus for the Preferred Package or the $350 cash bonus for the Ultimate Package will be deposited into the Eligible Account within six (6)months from the account open date. For the cash bonus to be issued, the Eligible Account must remain active. If the Eligible Account (i)has a negative balance greater than the authorized overdraft limit, or (ii)has been in continuous overdraft for a period of three consecutive months, then the Eligible Account is not in "good standing." You can only redeem this offer once and cannot share it with anyone else. No matter how many Qualifying Accounts a customer opens, they are only eligible for one (1) Offer. Only the first Eligible Account opened will be eligible for the Offer if multiple Eligible Accounts are opened. When two or more people share an Eligible Account, only the primary account holder will receive the cash bonus offer. Changes may be made to any and all costs, services, and perks. All offers are subject to change, cancellation, or extension at any time and cannot be used in conjunction with any other discounts or specials.

Δ

You can save and earn up to $400 in travel rewards (40,000 bonus Scene points) and $40 in Amazon.com gift cards within the first three months of using your new card. Spend $2,600 in the first 12 months to earn an extra 10,000 points, get $150 off your first year's primary card fee, off your first supplementary card fee, and save $104 on foreign transaction fees based on your average annual foreign spending (per account) in the first year. $287 in travel rewards (28 compared to the typical 5% foreign transaction fee charged by other card issuers); An annual membership in the Visa Airport Companion Program and six lounge passes (a value of $348, with a complimentary membership and one free visit of approximately ) are provided for use on all purchases (equivalent to 733 Scene points) based on the average first-year spend per account, with an average spend of 19% in 2x accelerator categories. Price includes 5 lounge passes at CDN$43/USD$31 each, for a total of CAD$136/USD Date of exchange: September 26, 2022; Potential First Year Value = up to $1,339 Individual cardholders' eligibility for particular discounts and rewards programs will determine their actual savings and earnings. Note the Restrictions

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