Overview of the Scotiabank Momentum® Visa Infinite+* Card

• Minimum income $60K/yr
• Household income $100K/yr
• Recommended credit score 725+
• You are a permanent Canadian resident and have reached the age of majority in the province in which you live.

1 Offer Description and Conditions: The 15% Cash Back and First Year Annual Fee Waiver (the “Offer”) applies only to new Scotia Momentum Visa Infinite + credit card accounts (“Accounts”) that are opened, and any additional Account cards issued, between May 1, 2026 and November 1, 2026 (regardless of the date you apply for the Account) subject to the conditions below. We will waive the annual fee for the primary card and each additional card on the Account for the first year only. 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.

15% Cash Back Offer Description and Conditions: You will earn 15% Cash Back on the first $2,000 in eligible purchases you spend on your new Account within the first 3 months of the Account open date (the “Promotional Period”). Eligible purchases include purchases (less any refunds, returns or other similar credits) but do not include payments, cash advances (including balance transfers and cash-like transactions), interest, fees or other charges. After the Promotional Period, you will earn regular Cash Back on eligible purchases at the regular cash back rate (the “Cash Back Program Rate”) described in the Cash Back Program Terms and Conditions (the “Program Terms”). The 15% cash back rate for any category is made up of the sum of: (i) the regular Cash Back Program Rate (variable by categories as set out under the Program Terms); and (ii) a “Cash Back Bonus Rate”.

Cash back earned under this Offer can be redeemed to your Account provided it is open and in good standing at the time of redemption:
1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be available for redemption to your Account after approximately 5 months from the Account open date in accordance with the regular Cash Back Program Terms.
2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate Can be redeemed to your Account anytime for a minimum of $25 each time you request a redemption.

EXAMPLE: If the Regular Cash Back Program Rate for the Groceries and Recurring Payments category is 4% then the Cash Back Bonus Rate will be 6% for that category so that you will earn a total of 10% on the amount of all eligible everyday purchases in that category during the Promotional Period. If you make $2,000 in eligible everyday purchases in the Groceries and Recurring Payments category, your cash back earnings will be as follows:
(1) the Cash Back Bonus earnings of $120 (6% x $2,000) (shown as an adjustment in your monthly statements), and (2) the Regular Cash Back earnings of $80 (4% x $2,000) (shown in your monthly statements).

Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card and each additional card issued between May 1, 2026 and November 1, 2026 on the Account for the first year only.

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. By accepting this Offer you confirm you meet all Offer eligibility requirements. We reserve the right to revoke this Offer at any time if we determine you do not meet the Offer eligibility requirements, including after you have accepted the Offer or been approved for the Account.

Rates and Fees: The current annual fee is $120 for the primary card and $50 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. All rates, fees, features and benefits are outlined in the Application Disclosure Statement and are subject to change.

SIMPLE T&C:
1. To qualify for these offers make sure to open a new Scotia Momentum® Visa Infinite +* credit card account between May 1, 2026 and November 1, 2026.

2. To earn 15% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening.

Once you qualify, we’ll credit your account in 2 instalments:
1. Bonus Cash Back: The amount earned under the Cash Back Bonus Rate will be available for redemption to your Account after approximately 5 months from the Account open date in accordance with the regular Cash Back Program Terms.
2. Regular Cash Back: The amount earned under your regular Cash Back Program Rate Can be redeemed to your Account anytime for a minimum of $25 each time you request a redemption.

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 these offers.

You must be an eligible Canadian-issued Visa Infinite+® cardholder (“Eligible Card”) to take
advantage of the Visa GigSky offer and Travel Essentials. To participate in the Offer and
Travel Essentials, you must have an Eligible Card issued in your name, ensure your Eligible
Card account is in good standing, and add the Eligible Card as the default payment method
in the GigSky App. These Global Mobile Data plan options offer terms (these “Offer Terms”)
apply to the offer (the “Offer”) made available to the Eligible Cards by GigSky, Inc.
(“GigSky”). Any Offer Plan continues to be subject to the standard GigSky Terms of Service.
Travel Essentials by GigSky (“”Travel Essentials””) is a GigSky service that provides access to
select essential applications designed for lower data usage activities while traveling
internationally. Travel Essentials is provided by GigSky, Inc. (“”GigSky””) and is available
through the GigSky App on compatible eSIM-enabled devices.
Travel Essentials is intended for lower data-usage activities such as messaging, navigation,
email, and travel-related services. Data-intensive activities, including streaming audio or
video, video calling, voice calls, or large file transfers, are not supported under Travel
Essentials.
Activities not supported by Travel Essentials may be completed by redeeming or
purchasing a separate GigSky global mobile data plan for use on the same eSIM. Travel
Essentials does not replace or modify any standard GigSky global mobile data plan and may
be available concurrently with other Offer Plans. Travel Essentials will be subject to the
standard GigSky Terms of Service.
The Offer and Travel Essentials is solely offered by GigSky, and Visa is not providing or
responsible for any Offer Plans, Discounts or GigSky Products, including but not limited to
Travel Essentials, hereunder. GigSky reserves the right to terminate your Offer Plan or your
access to Travel Essentials if you no longer hold an Eligible Card or such Eligible Card is no
longer in good standing. GigSky reserves the right to terminate the Offer,any Offer Plan, or
Travel Essentials, or change the terms of the Offer, Offer Plan, or Travel Essentials at any
time and without notice and in its sole and absolute discretion. This Offer cannot be
combined with other discounts and/or offers and is not redeemable for cash. Any taxes are
the sole responsibility of the purchaser. The Offer is void where prohibited or restricted by
applicable law. GigSky reserves the right to deny you participation in the Offer or Travel
Essentials if GigSky suspects abuse or misuse of the Offer or Travel Essentials, in its sole
discretion. You agree and acknowledge that GigSky may share your personal information
with Visa and your debit or credit card issuing bank in connection with redemption of the
Offer and use of an Offer Plan or Travel Essentials. For information about how we collect
and use your Personal Information please see GigSky’s privacy policy at:
https://www.gigsky.com/terms-and-conditions/privacy-policy

See terms and conditions below for full details.