OFFICIAL CONTEST RULES & REGULATIONS

Scotia Pantry Payday Contest (the “Contest”) Official Rules & Regulations (the “Rules”)

By entering this Contest, you agree to abide by these Rules and the decisions of The Bank of Nova Scotia (“Scotiabank” or the “Sponsor”), which are final and binding. This Contest is administered on behalf of Sponsor by ARM Marketing Inc. (the “Administrator”).

1. WHO CAN ENTER

This Contest is open to students who at the time of entry:

1. Are enrolled full-time and in good standing in a Canadian post-secondary institution or will be enrolled by September 2, 2025;
2. Are residing in Canada (excluding Quebec);
3. Are seventeen (17) years of age or older (if under the age of majority in their jurisdiction of residence, students must have received the permission of a parent or legal guardian who has agreed to be legally bound by these Rules, to enter the Contest and potentially become a winner of a Prize); and
4. Are not employees of Scotiabank or its affiliates or its or their advertising or promotional agencies or an immediate family member of such employee or living in the same household with such employee. “Immediate family” is defined as parents, siblings, children or spouse

Potential winners may be required to provide the Sponsor with proof that the potential winner meets all eligibility requirements, including proof of enrollment in a post-secondary institution, residency status and any other documents required by Sponsor.

2. CONTEST PERIOD

The Contest runs from September 23, 2025 at 12:00:01 am Eastern Time (“ET”) to October 31, 2025 at 11:59:59 pm ET (the “Contest Period”).

3. HOW TO ENTER

NO PURCHASE OR ACCOUNT OPENING NECESSARY TO ENTER. VOID WHERE PROHIBITED.

There are two (2) ways to enter the Contest (each an “Entry”) as set out below. Regardless of the method of entry, each eligible entrant can only obtain two (2) Entries.

A) Account Opening Method of Entry

Step 1 – Open New Scotiabank Eligible Accounts: New and existing customers who successfully have and/or open any of the following eligible accounts (each an "Account") during the Contest Period can earn two (2) Entries into the Contest per Account Type as follows:

• Account Type 1: Student Banking Advantage Plan
• Account Type 2: Preferred Package for Students and Youth

To be eligible, existing and new Account(s) must be open and remain in good standing (not be in default) during the Contest Period and up until the time of winner selection.

Step 2 – Register Your Account(s): During the Contest Period visit https://arm6f.scotiabank.com/ to register your existing or new Accounts by completing all registration fields (First Name, Last Name, Email Address) and agree to these Rules. If you have registered an Account and later open a new Account during the Contest Period, you will need to register your new Account in order to earn an additional entry.

B) No Purchase or Account Opening Method of Entry:

To enter without opening an eligible account as outlined in Section A above, during the Contest Period visit https://arm6f.scotiabank.com/ to enter the Contest by completing all registration fields (First Name, Last Name, Email Address) and agree to these Rules. All entrants under this method of entry will receive one (1) Entry into the Contest.

All Entries become the property of Scotiabank and none will be acknowledged or returned. No responsibility is assumed by Scotiabank for any lost, late, damaged, destroyed, misidentified, illegible or misdirected Entries or for any other such problems occurring in connection with participation in this Contest. Proof of sending or submission will not be deemed to be proof of receipt by Sponsor. Use of computer programs and/or other automated devices to enter the Contest is prohibited. Any costs or expenses incurred by entrants in participating in the Contest including data rates if entrant enters the Contest via a mobile device are the responsibility of entrants. Normal internet access and device usage charges imposed by your online service provider will apply.

4. PRIZES

There are 5 prizes available to be awarded. Each prize consists of a grocery gift card valued at $1,000 CAD which will be delivered and fulfilled by Scotiabank.

Except at the discretion of Sponsor, Prizes are non-transferable and must be accepted as awarded; no cash substitutes. Sponsor reserves the right to substitute the Prize in whole or in part if all or any of the components of the Prize are unavailable with another prize of equal or greater approximate value. In the event that the winner is unable to redeem any or all of the Prize, due to reasons beyond the control of the Sponsor, its employees, representatives, agents and all parties associated with this Contest or for any reason, no compensation or substitution prize will be provided. Any costs or expenses incurred by winners in claiming or using their Prizes will be the responsibility of the winners.

5. PRIZE DRAW

A random draw will be conducted on November 24, 2025, at or about 12:00:01 pm (ET) from all eligible Entries received during the Contest Period at the offices of Scotiabank located at 100 Yonge St, Toronto, Ontario, M5C 2W1. There will be five (5) Entries randomly chosen from amongst all eligible Entries received to be eligible to win one Prize of $1,000 Empire Goods gift cards.

The odds of an Entry being drawn will depend on the total number of eligible Entries received during the Contest Period. Limit of one (1) Prize per entrant.

6. SELECTION OF WINNERS

Selected entrants will be notified starting December 1, 2025 by email using the email address associated with the entry and contacted by the Administrator and given instructions on how to claim the Prize.

In order to be declared a Prize winner, in addition to complying with the other terms and conditions of these Rules, the selected entrant must:

1. meet all eligibility requirements set out in Section 1;
2. respond to the notification from Administrator within forty-eight (48) hours and provide any additional information requested by Administrator to confirm eligibility and to arrange the award of the Prize; and
3. correctly answer, unaided, a time-limited mathematical skill-testing question to be administered by mail, email or phone, as Sponsor or Administrator determines.

By accepting the Prize, the winner (or in the case of a minor, his/her parent or legal guardian) consents to the use by Sponsor of his/her name, address (city and province), photo, image, likeness, biographical information, voice and/or any statements made by the winner regarding the Contest or Sponsor for promotional, advertising, marketing, publicity and commercial purposes in any and all media now or hereafter devised, including but not limited to, any online announcements, worldwide in perpetuity, without additional compensation, notification, or permission, except where prohibited by law.

Should a selected entrant fail to meet any of these Rules in Sponsor’s sole discretion, or a selected entrant cannot be reached or a prize notification is returned as undeliverable, entrant will be disqualified. A new random draw will be conducted from amongst all remaining eligible Entries in accordance with these Rules in order to select another potential Prize winner, who will be subject to the same conditions and could be disqualified in the same manner.

7. GENERAL RULES

By entering this Contest, entrants (or in the case of a minor, his/her parent or legal guardian) accept and agree to be bound by these Rules, including all eligibility requirements and the decisions of the Sponsor and the Administrator, which are final and binding without right of appeal on all matters relating to this Contest. Sponsor reserves the right to disqualify all entrants who fail to comply with these Rules or who make any misrepresentation relating to the Contest, drawing and redemption of any Prize.

If a dispute arises regarding who submitted an Entry, the Entry will be deemed to be submitted by the authorized account holder of the email address associated with the Entry. Authorized account holder is defined as the natural person who is assigned to an email address by an Internet access or online service provider, or other organization responsible for assigning email addresses for the domain associated with the submitted email address.

By participating, entrants (or in the case of a minor, their parent or legal guardian) release and hold harmless Sponsor and its affiliates, and its and their directors, officers, employees, advertising and promotional agencies affiliated with this Contest, the Administrator, and participating prize suppliers from any claims, actions, injury, loss, or damage of any kind, including, but not limited to, illness, personal injury or death, resulting, directly or indirectly, in whole or in part, from participating in this Contest or from the acceptance, possession, or use or misuse of the Prize or any portion thereof (including any travel/activity related thereto). This limitation of liability is a comprehensive limitation of liability that applies to all damages of any kind, including (without limitation) compensatory, direct, indirect, or consequential damages; loss of data, income or profit; loss of damage to property; and claims of third parties.

The Sponsor shall not be responsible for any failure of email during the Contest or for any problems or technical malfunction of a telephone network or lines, computer on-line systems, servers, access providers, computer equipment, software, failure of any email, on-line, or Internet entry to be received by the Sponsor. In addition, the Sponsor shall not be responsible for technical problems, traffic congestion on the Internet or at any website, or any combination thereof including any injury or damage to an entrant's or any other person’s computer or property related to or resulting from playing or downloading any material in the promotion. The Sponsor reserves the right, at its sole discretion, to cancel, suspend, extend or modify this Contest without notice, obligation or liability if in the Sponsors’ opinion there is any suspected or actual evidence of tampering with any portion of the Contest, or if virus, bugs, non-authorized human intervention, force majeure or other causes corrupt or impair the administration, security, fairness, or integrity and proper play of the Contest, or for any other reason in Sponsor’s sole discretion. In such case, Sponsor may select the winner(s) from all eligible Entries received prior to and/or after (if appropriate) the action taken by Sponsor. Any attempt to deliberately damage any website or to undermine the legitimate operation of this Contest may be a violation of criminal and civil laws, and, should such an attempt be made, the Sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law. Entries are subject to verification and will be declared invalid if they are illegible, incomplete, mechanically reproduced, mutilated, forged, falsified, altered or tampered with in any way, or otherwise not in compliance with these Rules.

The Sponsor shall not be responsible in any way for the use of, or bear any liability whatsoever in any way attributable to, the Prize awarded in this Contest or the events forming part of this Contest, including but not limited to typographical or other errors in the offer or administration of this Contest, these Rules, the selection and announcement of winners or the distribution of the Prize. The Sponsor and its affiliates, and its and their officers, directors, partners, partnerships, principals, representatives, agents, licensees, successors and assigns (i) make no warranty, guaranty or representation of any kind concerning the Prize, (ii) disclaim any implied warranty or condition, and (iii) are not liable for injury, loss, or damage of any kind resulting from the acceptance, use or misuse of the Prize, travel related thereto or otherwise from participation in this Contest.

In the event of any discrepancy or inconsistency between the terms of these Rules and the terms or statements contained in any short-form Contest rules, advertising materials and/or the French version of these Official Rules, the terms and conditions of these English Rules shall prevail, govern and control to the fullest extent permitted by applicable law.

This Contest is subject to all applicable federal, provincial and municipal laws. All issues and questions concerning the construction, validity, interpretation and enforceability of these Rules, or the rights and obligations of entrant and Sponsor in connection with the Contest, shall be governed by, and construed in accordance with, the substantive laws of the Province of Ontario without regard to Ontario conflicts of law principles. All entrants consent to the jurisdiction and venue of the Province of Ontario.

8. PRIVACY

The Sponsor is committed to respecting the privacy rights of entrants. Any personal information collected will be handled in strict accordance with the Scotiabank Privacy Agreement found at https://www.scotiabank.com/ca/en/about/contact-us/privacy/privacy-agreement.html and all applicable privacy legislation. The Sponsor will not sell any personal information collected for this Contest to any third parties.

Except as otherwise set forth herein with respect to the Prize winner, any personal information collected for this Contest shall be collected, used and disclosed by the Sponsor solely for the purpose of managing and administering this Contest. By entering this Contest, the entrant hereby consents to the Sponsor's collection, use and disclosure of the entrant's personal information in order to manage and administer this Contest.

® Registered trademark of The Bank of Nova Scotia.