Overview of the Scotiabank®* Platinum American Express® Card

• Minimum income $12K/yr
• Household income Any
• Recommended credit score 760+
• You are a permanent Canadian resident and have reached the age of majority in the province in which you live.

* Savings and reward potential in first 14 months based on the following card usage and offers:

$600 in travel rewards (60,000 bonus Scene+ points) when you spend $3,000 within your first 3 months (to earn 50,000 points) and when you spend $10,000 within your first 14 months (to earn an additional 10,000 points);

$141 in foreign transaction fee savings based on average first year annual foreign spend per account (save the 2.5% foreign transaction fee typically charged by other card issuers);

$742 in travel rewards (74,188 Scene+ points) on everyday purchases based on average annual first year spend per account;

$704 value of a complimentary Priority Pass membership and free lounge passes per year for the primary cardholder (annual membership fee package of CAD$400/USD$299, which includes 10 lounge passes) and for one supplementary cardholder (basic annual membership fee of CAD$132/USD$99 plus 4 lounge passes at CAD$43/USD$32 each). Currency conversion as at February 28,2024.

Potential 14-Month Value = up to $2,187

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

^¹ Offer Description and Conditions: The 60,000 Bonus Scene+ Points Offer (the “Offer”) applies only to new Scotiabank Platinum American Express credit card accounts (“Account”) opened by October 31, 2025 and is subject to the conditions below.

60,000 Bonus Scene+ Point Offer Description and Conditions: To qualify for 50,000 bonus Scene+ points (the “50,000 Point Bonus”), you must open a new Account by October 31, 2025 and 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 10,000 bonus Scene+ points (the “10,000 Point Bonus”), you must have at least $10,000 in eligible purchases posted to your new Account in the first 14 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.

The applicable point Bonus will be credited approximately 2-3 business days after the qualifying amount in eligible purchases (i.e., $3,000 or $10,000) has been posted to the Account, 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 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 $10,000). If a supplementary cardholder completes the last qualifying transaction, the applicable point Bonus will be credited to the Primary Borrower’s Scene+ account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder’s Scene+ accounts by contacting Scene+. The 50,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after the qualifying $3,000 in eligible purchases being posted to your Account within the first 3 months from the Account open date, provided the Account is open and in good standing. The 10,000 Point Bonus will be credited to the primary cardholder’s Scene+ account within approximately 2-3 business days after you have met the $10,000 14 month spend threshold on the Account, provided your Account is open and in good standing. The Account is considered in good standing if it is not past due or over limit and the Cardholder(s) is not in breach of the Revolving Credit Agreement that applies to the Account. All other terms and conditions of the 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 $399 for the primary card and $99 for each additional card (including those issued to co-borrowers and supplementary cardholders).

The current preferred annual interest rates for the Account are: 9.99% on purchases and 9.99% 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