If you can make dinner for a food critic, you can direct invest.

* New Client Offer. Conditions apply. Offer valid for new Scotia iTRADE^® clients and applies to new accounts.

How to Qualify for the 50 free trades offer

If you open and enroll in this offer with one or more new Scotia iTRADE account(s) by December 12, 2025, you will receive a waiver of commission on a total of 50 eligible commissionable trades (the “Waiver”) up to $9.99 per trade placed in the period starting up to 10 days after the opening of the new Account(s) and ending on June 1, 2026.

The Waiver relating to options will be applied to base commissions only. You will be entitled to 50 free eligible commissionable trades placed by you across all your Scotia iTRADE accounts in the period starting up to 10 days after opening of the new Account(s) and ending on June 1, 2026, provided the Account(s) remains open during the entire duration of this offer.

Any free trades not used by June 1, 2026, will expire. Unused free trades cannot be transferred to another Scotia iTRADE account holder or be used after the expiry dates.

No minimum account(s) funding is required to qualify for this offer.

How to Qualify for the tiered cash offer of up to $5,000

If you

(i) open and enroll in this offer with one or more new Scotia iTRADE account(s) (each, a “New Account”) by April 3, 2026 and fund the New Account(s) by May 1, 2026 with at least the equivalent of CAD $2,500/$5,000/$10,000/$25,000/$50,000/$100,000/$250,000/$500,000/$1,000,000 with net new value in cash or/and assets (cheque deposit, electronic funds transfer or transfer of assets) (“Qualifying Amount”) from an account that is held outside of Scotia iTRADE but within the Scotiabank Group of Companies, as defined below (the “Scotiabank Transfer-in”) and

(ii) then maintain the Qualifying Amount in assets that you deposited in your New Account(s) (subject to the Qualifying Amount calculation condition) during the entire period between May 2, 2026 and April 30, 2027, then (a) CAD $25/$25/$50/$125/$250/$500/$1,250/$2,500/$5,000 (respectively, based on the Qualifying Amount funded, subject to the Qualifying Amount calculation condition) will be deposited directly into your applicable account in two installments: (a) if the Qualifying Amount in assets is held in the New Account(s) during the entire period between May 2, 2026 and October 31, 2026, the first installment in the amount of 50% of the qualifying cash incentive amount  (CAD $12.50/$12.50/$25/$62.50/$125/$250/$625/$1,250/$2,500), will be deposited directly in your applicable account by November 30, 2026; and (b) if the Qualifying Amount in assets is held in the New Account(s) during the entire period between November 1, 2026 and April 30, 2027, the second installment in the amount of 50% of the qualifying cash incentive amount  (CAD $12.50/$12.50/$25/$62.50/$125/$250/$625/$1,250/$2,500), will be deposited directly in your applicable account by May 30, 2027. The Qualifying Amount will be determined separately for each of the two periods (May 2, 2026, to October 31, 2026, and November 1, 2026, to April 30, 2027).

The cash reward will be deposited into your non-registered account, and if you don’t have non-registered accounts then into your registered account.

“Scotiabank Group of Companies” means The Bank of Nova Scotia and all of its subsidiaries and affiliates (including, but not limited to, Scotiatrust^®, ScotiaMcLeod^®, Private Investment Counsel, 1832 Asset Management L.P., MD Financial Management, Jarislowsky, Fraser Limited and Tangerine).

Qualifying Amount calculation condition for this tiered cash offer (unless this offer is combined with the 1 percent cash offer, in which case the Combined Qualifying Amount calculation condition will apply, as described below): Qualification will be based on the combined net new assets in all eligible accounts held by a client that were transferred in Scotiabank Transfers-in. If you withdraw or transfer out assets from any of your Scotia iTRADE accounts at any time during the period between November 17, 2025, and April 30, 2027 (“Qualifying Period”), the amounts of such assets will be subtracted from the value of your Qualifying Amount for the purposes of determining your entitlement for the specific tier of cash reward.

How to Qualify for the 1% cash offer

If you

(i) open and enroll in this offer with one or more new Scotia iTRADE account(s) (each, a “New Account”) by April 3, 2026 and fund the New Account(s) by May 1, 2026  with at least the equivalent of  CAD $2,500 with net new value in cash or/and assets (cheque deposit, electronic funds transfer or transfer of assets)  (“Qualifying Amount”) from an account held at a financial institution outside of the Scotiabank Group of Companies, as defined above (“External Transfer-in”) and

(ii) then maintain the Qualifying Amount in assets that you deposited in your New Account(s) (subject to the Qualifying Amount calculation condition) during the entire period between May 2, 2026  and April 30, 2027,  then an amount equal to 1% of the Qualifying Amount (subject to the Qualifying Amount calculation condition) will be deposited directly into your applicable account in two installments : (a) if the Qualifying Amount in assets is held in the New Account(s) during the entire period between May 2, 2026 and October 31, 2026, the first installment in the amount of 0.5% of the Qualifying Amount will be deposited directly in your applicable account by November 30, 2026; and (b) if the Qualifying Amount in assets is held in the New Account(s) during the entire period between November 1, 2026 and April 30, 2027, the second installment in the amount of 0.5% of the Qualifying Amount will be deposited directly in your applicable account by May 30, 2027 (up to a maximum of CAD $10,000 for the entire period between May 2, 2026 and April 30, 2027)

The Qualifying Amount will be determined separately for each of the two periods (May 2, 2026, to October 31, 2026, and November 1, 2026, to April 30, 2027)

The cash reward will be deposited into your non-registered account, and if you don’t have non-registered accounts then into your registered account.

The combined cash incentive (tiered cash offer plus 1% cash offer) for any client cannot exceed $10,000 CAD.

Qualifying Amount calculation condition for this 1% cash back offer (unless this offer is combined with the tiered cash offer, in which case the Combined Qualifying Amount calculation condition will apply, as described below): Qualification will be based on the combined net new assets in all eligible accounts held by a client that were transferred in External Transfers-in. If you withdraw or transfer out assets from any of your Scotia iTRADE accounts at any time during the period between November 17, 2025, and April 30, 2027 (“Qualifying Period”), the amounts of such assets will be subtracted from the value of your Qualifying Amount for the purposes of determining your entitlement for the specific amount of cash reward.

Example
Client deposits $100,000 in External Transfers-in before May 1, 2026, and then withdraws $40,000 during the Qualifying Period from any Scotia iTRADE accounts during the period between May 2, 2026, and October 31, 2026.

Combined Qualifying Amount calculation condition for combined tiered cash offer and 1% cash back offer:

a.      Qualification will be based on the combined net new assets in all eligible accounts held by a client transferred in from accounts held outside of Scotia iTRADE. If you withdraw or transfer out assets from any of your Scotia iTRADE accounts at any time during the period between November 17, 2025, and April 30, 2027 (“Qualifying Period”), the amounts of such assets will be subtracted from the value of your Qualifying Amount for the purposes of determining your entitlement for the specific tier/amount of cash reward.

Example
Client transfers in $50,000 in External Transfers-in, then transfers in $40,000 in Scotiabank Transfers-in.

b.      The combined amounts transferred out during the Qualifying Period to any accounts held outside of Scotia iTRADE but within the Scotiabank Group of Companies ("Scotiabank Transfers-out") will be subtracted from the combined net new assets of Scotiabank Transfers-in for the purposes of calculating the Qualifying Amount.

Example
Client transfers in $50,000 in External Transfers-in and $50,000 in Scotiabank Transfers-in and then transfers out $10,000 in Scotiabank Transfers-out during the second term of Qualifying Period (November 1, 2026 – April 30, 2027). 

c.      The combined amounts transferred out during the Qualifying Period to any accounts held with any financial institutions outside of the Scotiabank Group of Companies ("External Transfers-out”) will be subtracted from the combined net new assets of External Transfers-in for the purposes of calculating the Qualifying Amount.

Example
Client transfers in $50,000 in External Transfers-in and $40,000 in Scotiabank Transfers-in and then transfers out $30,000 in the period November 1, 2026, and April 30, 2027, in Scotiabank Transfers-out and transfers out $20,000 in the period November 1, 2026, and April 30, 2027, in External Transfer-out during the Qualifying Period November 17, 2025, and April 30, 2027. 

d.     If the combined amount of External Transfers-out is greater than the combined amount of External Transfers-in, then the difference will be subtracted from the combined amount of Scotiabank Transfers-in for the purposes of calculating the Qualifying Amount. 

e.      If the combined amount of Scotiabank Transfers-out is greater than the combined amount of Scotiabank Transfers-in, then the difference will be subtracted from the combined amount of External Transfers-in for the purposes of calculating the Qualifying Amount. 

Example:
Client transfers in $100,000 in External Transfers-in and $40,000 in Scotiabank Transfers-in and then transfers out $50,000 in Scotiabank Transfers-out. 

f.      If it is unclear whether the transfer out is a Scotiabank Transfer-out or an External Transfer-out (“Neutral Transfer-out"), the amount of such Neutral Transfer-out will first be subtracted from the amount of combined Scotiabank Transfers-in, and if the amount of such Neutral Transfer-out is greater than the amount of combined Scotiabank Transfers-in, the difference will be subtracted from the amount of combined External Transfers-in for the purposes of calculating the Qualifying Amount.

General Terms and Conditions

1. New clients opening a new account must enter the promotional code “WIN26” for the cash and 50 free trades (if applicable) when submitting the New Account application to enroll by April 3, 2026.
2. Non-personal accounts have to be enrolled separately from personal accounts.  Once you enroll one or more new personal account(s) all your Scotia iTRADE personal accounts will be considered to be enrolled for the purpose of the Qualifying Amount calculation condition. Once you enroll one or more new non-personal account(s) all your Scotia iTRADE non-personal accounts will be considered to be enrolled for the purpose of the Qualifying Amount calculation condition.
3. Any request to enroll received after April 3, 2026, will not qualify for this promotion. To qualify for this offer, you must maintain all of your accounts at Scotia iTRADE in good standing, not be in a disallowed debit position and not have any outstanding margin calls due. This offer has no cash redemption value. This offer cannot be transferred or combined with StartRight and Affinity offers.
4. For clients enrolled in two overlapping offers (the offer ending April 30, 2026, and the offer starting November 17, 2025), for the period between November 17, 2025, and April 30, 2026, only, any amounts of transfers-out will be applied to the calculation of the Qualifying Amount for the latest offer, which starts on November 17, 2025. If the amount of the transfers-out during this period is greater than the amount of transfers-in during this period, then the difference will be applied to the calculation of the Qualifying Amount for the earlier promotional offer.
5. Eligible commissionable trades include stocks, ETFs, and options (base commission only) placed across all client’s Scotia iTRADE accounts up to $9.99 per trade.
6. Note that trades placed with a Scotia iTRADE phone representative will be subject to an additional fee as disclosed on the Commissions & Fees Schedule.
7. For any transfer-in of US funds or US securities, the foreign exchange rate applicable on the date of such transfer-in will be used for calculating the funded amount in Canadian dollars.
8. RESP grants, interest, dividends, standard market fluctuations, and account fees will be excluded from calculations used to qualify accounts.
9. Limited to one offer per client for all such client’s personal accounts and one offer per client for all such client’s non-personal accounts. In case of joint account(s) only the primary account holder will be entitled to receive cash back and 50 free trades (if applicable).
10. Scotia iTRADE reserves the right to modify and/or cancel this offer at any time without notice in its sole discretion.
11. The combined cash incentive (tiered cash offer plus 1% cash offer) for any client cannot exceed $10,000 CAD.

There may be tax implications associated with the payment of the cash reward into your Scotia iTRADE account(s). Scotia iTRADE will not be issuing clients a tax slip to report the cash reward paid. You will be solely responsible for any required tax reporting and any tax consequences associated with the offer. Please consult with your accountant or personal tax advisor for more information and additional guidance.

^† Existing Client Offer. Conditions apply. Offer valid for existing Scotia iTRADE^® clients and applies to new or existing accounts.

How to Qualify for this offer

Scotiabank Transfer-ins

If you

(i) open and enroll in this offer with one or more new Scotia iTRADE account(s) (each, a “New Account”) by April 3, 2026 and fund the New Account(s) by May 1, 2026 with at least the equivalent of  CAD $2,500/$5,000/$10,000/$25,000/$50,000/$100,000/$250,000/$500,000/$1,000,000 with net new value in cash or/and assets (cheque deposit, electronic funds transfer or transfer of assets) (“Qualifying Amount”) from an account that is held outside of Scotia iTRADE but within the Scotiabank Group of Companies, as defined below (the “Scotiabank Transfer-in”) OR enroll your existing account(s) in this offer by April 3, 2026 and transfer cash and/or assets with net new value in cash or/and assets equal to the Qualifying Amount into your existing Scotia iTRADE account(s) in a Scotiabank Transfer-in by May 1, 2026, and

(ii) then maintain the Qualifying Amount in assets that you deposited in your New Account(s) or in your existing account(s) (subject to the Qualifying Amount calculation condition) during the entire period between May 2, 2026 and April 30, 2027, then CAD $25/$25/$25/$50/$100/$200/$500/$1,000/$2,000 (respectively, based on the Qualifying Amount funded, subject to the Qualifying Amount calculation condition) will be deposited directly into your applicable account in two installments: (a) if the Qualifying Amount in assets is held in the New Account(s) or existing account(s) during the entire period between May 2, 2026 and October 31, 2026, the first installment in the amount of 50% of the qualifying cash incentive amount  (CAD $12.50/$12.50/$12.50/$25/$50/$100/$250/$500/$1,000), will be deposited directly in your applicable account by November 30, 2026; and (b) if the Qualifying Amount in assets is held in the New Account(s) or existing account(s) during the entire period between November 1, 2026 and April 30, 2027, the second installment in the amount of 50% of the qualifying cash incentive amount  (CAD $12.50/$12.50/$12.50/$25/$50/$100/$250/$500/$1,000), will be deposited directly in your applicable account by May 30, 2027.

The Qualifying Amount will be determined separately for each of the two periods (May 2, 2026 to October 31, 2026 and November 1, 2026 to April 30, 2027).

“Scotiabank Group of Companies” means The Bank of Nova Scotia and all of its subsidiaries and affiliates (including, but not limited to, Scotiatrust®, ScotiaMcLeod®, Private Investment Counsel, 1832 Asset Management L.P., MD Financial Management, Jarislowsky, Fraser Limited and Tangerine).

External Transfer-ins

If you

(i) open and enroll in this offer with one or more new Scotia iTRADE account(s) (each, a “New Account”) by April 3, 2026 and fund the New Account(s) by May 1, 2026 with at least the equivalent of  CAD $2,500/$5,000/$10,000/$25,000/$50,000/$100,000/$250,000/$500,000/$1,000,000 with net new value in cash or/and assets (cheque deposit, electronic funds transfer or transfer of assets) (“Qualifying Amount”) from an account that is held at a financial institution outside of the Scotiabank Group of Companies (“External Transfer-in”) OR enroll your existing account(s) in this offer by April 3, 2026 and transfer cash and/or assets with net new value in cash or/and assets equal to the Qualifying Amount into your existing Scotia iTRADE account(s) in an External Transfer-in by May 1, 2026, and

(ii) then maintain the Qualifying Amount in assets that you deposited in your New Account(s) or in your existing account(s) (subject to the Qualifying Amount calculation condition) during the entire period between May 2, 2026 and April 30, 2027, then (a) CAD $25/$50/$75/$200/$400/$750/$1,900/$3,750/$7,500  (respectively, based on the Qualifying Amount funded, subject to the Qualifying Amount calculation condition) will be deposited directly into

 your applicable account in two installments: (a) if the Qualifying Amount in assets is held in the New Account(s) or existing account(s) during the entire period between May 2, 2026 and October 31, 2026, the first installment in the amount of 50% of the qualifying cash incentive amount  (CAD $12.50/$25/$37.50/$100/$200/$375/$950/$1,875/$3,750), will be deposited directly in your applicable account by November 30, 2026; and (b) if the Qualifying Amount in assets is held in the New Account(s) or existing account(s) during the entire period between November 1, 2026 and April 30, 2027, the second installment in the amount of 50% of the qualifying cash incentive amount  (CAD $12.50/$25/$37.50/$100/$200/$375/$950/$1,875/$3,750), will be deposited directly in your applicable account by May 30, 2027.

The Qualifying Amount will be determined separately for each of the two periods (May 2, 2026 to October 31, 2026 and November 1, 2026 to April 30, 2027).

The offer entitlements for the amounts funded from the accounts held outside of Scotia iTRADE but within Scotiabank Group of Companies and for the amounts funded from accounts held at a financial institution outside of the Scotiabank Group of Companies will be calculated separately, based on the asset tiers referred to above.

The combined cash incentive for any client (for Scotiabank Transfer-ins plus External Transfer-ins) cannot exceed $7,500 CAD. 

The cash reward will be deposited into your non-registered account, and if you don’t have non-registered accounts then into your registered account.

Qualifying Amount calculation condition for Scotiabank Transfers-In Only: Qualification will be based on the combined net new assets in all eligible accounts held by a client that were transferred in Scotiabank Transfers-in. If you withdraw or transfer out assets from any of your Scotia iTRADE accounts at any time during the period between November 3, 2025 and April 30, 2027 (“Qualifying Period”), the amounts of such assets will be subtracted from the value of your Qualifying Amount for the purposes of determining your entitlement for the specific tier of cash reward.

Qualifying Amount calculation condition for External Transfers-in Only: Qualification will be based on combined net new assets in all eligible accounts held by a client that were transferred in External Transfers-in. If you withdraw or transfer out assets from any of your Scotia iTRADE accounts at any time during the period between November 3, 2025 and April 30, 2027 (“Qualifying Period”) , the amounts of such assets will be subtracted from the value of your Qualifying Amount for the purposes of determining your entitlement for the specific amount of cash reward.

Combined Qualifying Amount calculation condition for combined Scotiabank Transfers-in and External Transfers-in: 

a. Qualification will be based on the combined net new assets in all eligible accounts held by a client transferred in from accounts held outside of Scotia iTRADE. If you withdraw or transfer out assets from any of your Scotia iTRADE accounts at any time during the period between November 3, 2025 and April 30, 2027 (“Qualifying Period”), the amounts of such assets will be subtracted from the value of your Qualifying Amount for the purposes of determining your entitlement for the specific tier of cash reward.

Example

Client transfers in $50,000 in External Transfers-in, then transfers in $40,000 in Scotiabank Transfers-in during the qualifying period. 

b. The combined amounts transferred out during the Qualifying Period to any accounts held outside of Scotia iTRADE but within the Scotiabank Group of Companies ("Scotiabank Transfers-out") will be subtracted from the combined net new assets of Scotiabank Transfers-in for the purposes of calculating the Qualifying Amount.

Example

Client transfers in $50,000 in External Transfers-in and $40,000 in Scotiabank Transfers-in and then transfers out $10,000 in Scotiabank Transfers-out during the Qualifying Period. 

c. The combined amounts transferred out during the Qualifying Period to any accounts held with any financial institutions outside of the Scotiabank Group of Companies ("External Transfers-out”) will be subtracted from the combined net new assets of External Transfers-in for the purposes of calculating the Qualifying Amount.

Example
Client transfers in $50,000 in External Transfers-in and $40,000 in Scotiabank Transfers-in and then transfers out $30,000 in the period November 1, 2026, and April 30, 2027, in Scotiabank Transfers-out and transfers out $20,000 in the period November 1, 2026, and April 30, 2027, in External Transfers-out. 

d. If the combined amount of External Transfers-out is greater than the combined amount of External Transfers-in, then the difference will be subtracted from the combined amount of Scotiabank Transfers-in for the purposes of calculating the Qualifying Amount. 

e. If the combined amount of Scotiabank Transfers-out is greater than the combined amount of Scotiabank Transfers-in, then the difference will be subtracted from the combined amount of External Transfers-in for the purposes of calculating the Qualifying Amount. 

Example:

Client transfers in $100,000 in External Transfers-in and $40,000 in Scotiabank Transfers-in and then transfers out $50,000 in Scotiabank Transfers-out. 

f. If it is unclear whether the transfer out is a Scotiabank Transfers-out or an External Transfers-out (“Neutral Transfers-out"), the amount of such Neutral Transfers-out will first be subtracted from the amount of combined Scotiabank Transfers-in, and if the amount of such Neutral Transfers-out is greater than the amount of combined Scotiabank Transfers-in, the difference will be subtracted from the amount of combined External Transfers-in for the purposes of calculating the Qualifying Amount. 

General Terms and Conditions

1. Existing clients opening a new account must enter the promotional code EX26 for the cash when submitting the New Account application to enroll by April 3, 2026.
2. Existing clients who fund an existing account must complete the online form at www.scotiaitrade.com/winter26ec by April 3, 2026 to enroll and fund their account by May 1, 2026.
3. Non-personal accounts have to be enrolled separately from personal accounts. Once you enroll your existing/new personal account all your other Scotia iTRADE personal accounts will be considered to be enrolled for the purpose of the Qualifying Amount calculation condition. Once you enroll your existing/new non-personal account all your other Scotia iTRADE non-personal accounts will be considered to be enrolled for the purpose of the Qualifying Amount calculation condition.
4. Any request to enroll received after April 3, 2026, will not qualify for this promotion. To qualify for this offer, you must maintain all of your accounts at Scotia iTRADE in good standing, not be in a disallowed debit position and not have any outstanding margin calls due. This offer has no cash redemption value. This offer cannot be transferred or combined with StartRight and Affinity offers.
5. For clients enrolled in two overlapping offers (the offer ending April 30, 2026, and the offer starting November 03, 2025), for the period between November 03, 2025, and April 30, 2026, only, any amounts of transfers-out will be applied to the calculation of the Qualifying Amount for the latest offer, which starts on November 03, 2025. If the amount of the transfers-out during this period is greater than the amount of transfers-in during this period, then the difference will be applied to the calculation of the Qualifying Amount for the earlier promotional offer. 
6. For any transfer-in of US funds or US securities, the foreign exchange rate applicable on the date of such transfer-in will be used for calculating the funded amount in Canadian dollars.
7. RESP grants, interest, dividends, standard market fluctuations, and account fees will be excluded from calculations used to qualify accounts.
8. Limited to one offer per client for all such client’s personal accounts and one offer per client for all such client’s non-personal accounts. In case of joint account(s) only the primary account holder will be entitled to receive cash back.
9. Scotia iTRADE reserves the right to modify and/or cancel this offer at any time without notice in its sole discretion.
10. The combined cash incentive for any client (Scotiabank Transfer-ins plus External Transfer-ins) cannot exceed $7,500 CAD.

There may be tax implications associated with the payment of the cash reward into your Scotia iTRADE account(s). Scotia iTRADE will not be issuing clients a tax slip to report the cash reward paid. You will be solely responsible for any required tax reporting and any tax consequences associated with the offer. Please consult with your accountant or personal tax advisor for more information and additional guidance.