If you can manage your family's calendar,

you can manage your investments

New clients get up to $10,000 cash and $4.99 stock and ETF commission pricing by opening and funding a new account*.

Open account

_{By March 31, 2025 using offer code WN25.}

You manage everything in your day-to-day life... does that include investing? Scotia iTRADE® provides you with everything you need to direct invest, including quick access to real-time market research^†, personalized notifications, free educational resources^†† and more! Take control of your investments today!

Get started with this fantastic offer.

What you need to do

Step 1

Open a new account by March 31, 2025 using offer code WN25.

Step 2

Fund the account with the qualifying amount by April 30, 2025.

Step 3

Hold your funds in your account until April 30, 2026.

What you will receive

Reduced commission pricing

If you qualify, $4.99 stock and ETF commission pricing will be available until April 30, 2026.

Cash reward

Receive your cash by May 30, 2026.

The more you invest, the more you can receive^*.

And/Or

Get rewarded for depositing funds into a new Scotia iTRADE account from Scotiabank® Group of Companies:

Qualifying amount	Deposits from Scotiabank Group of Companies
Qualifying amount	Cash Reward + $4.99
$1,000 - $4,999	$25
$5,000 - $9,999	$25
$10,000 - $24,999	$50
$25,000 - $49,999	$125
$50,000 - $99,999	$250
$100,000 - $249,999	$500
$250,000 - $499,999	$1,250
$500,000 - $999,999	$2,500
$1,000,000+	$5,000

$1,000 minimum deposit to qualify for a reward.

Do you have any questions?

If you would like to be contacted by Scotia iTRADE about this offer, please complete and submit this form. Alternatively, call 1-888-769-3723 (Monday - Friday, 8:30 a.m. - 5:30 p.m. ET).

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Exclusive programs and special offers

Commission-free ETFs¹

Balance your portfolio by diversifying. Get $0 commission on an extensive selection of ETFs².

Explore our range of ETFs

Trade Pro

Advanced, customizable and powerful tools for complete control of your online trading. Trade Pro is a premium online trading platform with powerful tools for equity and options trading so you benefit from complete control, flexibility and in-depth analysis when making your trades and investments.

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The easy, and intuitive Scotia iTRADE app.

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Legal

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

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 March 31,2025 and fund the New Account(s) by April 30,2025 with at least the equivalent of CAD $1,000/$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 April 30,2025 and April 30, 2026, then

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 by May 30, 2026. 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.

If you fund your New Account with the equivalent of CAD $1,000 or more by April 30, 2025, then in addition to the cash reward, you will also receive commission pricing of $4.99 flat per Canadian or U.S. equities/ ETF trade and $4.99 + $1.25/contract for each options trade in your New Account(s) until April 30, 2026. New qualification status will be effective weekly on the first business day of each week (from November 11, 2024 to May 5, 2025) after you satisfy all the eligibility requirements for this offer. If you already qualify for the commission of $4.99 per trade, your entitlement will not be affected by this offer.

“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 4, 2024 and April 30, 2026 (“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 and for the $4.99 commission pricing on stock and ETF trades.

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 March 31, 2025 and fund the New Account(s) by April 30, 2025 with at least the equivalent of CAD $1,000 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 April 30, 2025 and April 30, 2026, 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 by May 30, 2026 (a minimum of CAD $25 and a maximum CAD $10,000). 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.

If you fund your New Account with the equivalent of CAD $1,000 or more by April 30, 2025, then in addition to the cash reward you will also receive commission pricing of $4.99 flat per Canadian or U.S. equities/ ETF trade and $4.99 + $1.25/contract for each options trade in your New Account(s) until April 30, 2026. New qualification status will be effective weekly on the first business day of each week (from November 11, 2024 to May 5, 2025) after you satisfy all the eligibility requirements for this offer. If you already qualify for the commission of $4.99 per trade, your entitlement will not be affected by this offer.

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 4, 2024 and April 30, 2026 (“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 and for the $4.99 commission pricing on stock and ETF trades.

Example
Client deposits $100,000 in External Transfers-in before April 30, 2025 and then withdraws $40,000 during the Qualifying Period from any Scotia iTRADE accounts.

External Transfer In	$100,000
Transfer Out	-$40,000
Qualification Amount
	$60,000
Cash Reward
1% cash back	$600

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 4, 2024 and April 30, 2026 (“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 and for the $4.99 commission pricing on stock and ETF trades.

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

	Deposits from another Financial Institution	Deposits from Scotiabank Group of Companies
Transfer In	$50,000	$40,000
Qualification Amount (subject to Combined Qualifying Amount calculation condition)
	$50,000	$40,000
Cash Reward
	1% cash back $500	Tiered cash back $125

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.

	Deposits from and withdrawals to another Financial Institution	Deposits from and withdrawals to Scotiabank Group of Companies
Transfer In	$50,000	$40,000
Transfer Out		-$10,000
Qualification Amount
	$50,000	$30,000
Cash Reward
	1% cash back $500	Tiered cash back $125

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.

d. 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.

	Deposits from and withdrawals to another Financial Institution	Deposits from and withdrawals to Scotiabank Group of Companies
Transfer In	$100,000	$40,000
Transfer Out		-$50,000
Total Amount Deducted		-$40,000
Qualification Amount
	$90,000	$0
Cash Reward
New Clients	1% cash back $900	Tiered cash back $0

e. 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.

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 WN25 for the cash and $4.99 stock and ETF commission pricing offer (if applicable) when submitting the New Account application to enroll by March 31, 2025.

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 March 31, 2025 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 December 31, 2024 and the offer starting November 4, 2024), for the period between November 4, 2024 and December 31, 2024 only, any amounts of transfers-out will be applied to the calculation of the Qualifying Amount for the latest offer, which starts on November 4, 2024. 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. 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.

6. RESP Grants, interest, dividends, standard market fluctuations, and account fees will be excluded from calculations used to qualify accounts.

7. 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 $4.99 commission pricing.

8. Scotia iTRADE reserves the right to charge you all or part of the reduction in the rate of commission per trade, if the conditions of the offer, including but not limited to, the requirement to maintain the appropriate Qualifying Amount in your New Account(s) during the Qualifying Period, are not complied with. Scotia iTRADE reserves the right to modify and/or cancel this offer at any time without notice in its sole discretion.

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.

†

All research, analysis, charting, reports, estimates, commentary, information, strategies, data, opinions, and news (collectively, the "Research") are provided to you for general informational purposes only and do not address the circumstances of any particular investor. Except for Scotiabank Global Banking and Markets research, all Research has been prepared and supplied by independent third parties that are not affiliated with Scotia Capital Inc. or any of its affiliates, and accordingly may not have been, and no representation is made that such Research has been, prepared in accordance with Canadian disclosure requirements. Neither the Research nor the profiles of the third party research providers have been endorsed or approved by Scotia Capital Inc., and Scotia Capital Inc. is not responsible for the content thereof or for any third party products or services. Scotiabank Global Banking and Markets research is provided by Scotia Capital Inc. Scotia Capital Inc. and/or its affiliates may have acted as financial advisor and/or underwriter for certain of the corporations mentioned in the Research and may have received and may receive remuneration for same. Scotia Capital Inc., its affiliates and/or their respective officers, directors and/or employees may from time to time acquire, hold, or sell securities mentioned as principal or agent. Nothing in the Research constitutes a recommendation by Scotia iTRADE to buy, sell or hold any security discussed therein, and the Research neither is, nor should be construed, as an offer, or a solicitation of an offer, to buy or sell securities by Scotia iTRADE. Scotia iTRADE does not make any determination of your general investment needs and objectives or provide advice or recommendations regarding the purchase or sale of any security, financial, legal, tax or accounting advice, or advice regarding the suitability or profitability of any particular investment or investment strategy. You will not solicit any such advice from Scotia iTRADE and in making investment decisions, you will consult with and rely upon your own advisors and not Scotia iTRADE. You are fully responsible for any investment decisions that you make and any profits or losses that may result. Any opinions, views, advice, or other content provided by a third party are solely those of such third party, and Scotia Capital Inc. neither endorses nor accepts any liability in respect thereof. No endorsement or approval by Scotia Capital Inc. or any of its affiliates of any third party product, service, website or information is expressed or implied by any information, material or content contained in, available through, included with, linked to or referred to in the Research, on the Scotia iTRADE website or in any other Scotia iTRADE communication. Neither Scotia Capital Inc. nor its affiliates accept any liability for any investment loss arising from any use of the Research or its contents. Scotia iTRADE is a division of Scotia Capital Inc.

††

Unless otherwise expressly stated by Scotia iTRADE®, seminars, webinars and other educational tools and resources (collectively, "Content") are provided by independent third parties that are not affiliated with Scotia Capital Inc. or any of its affiliates. Scotia Capital Inc. and its affiliates neither endorse or approve nor are liable for any third-party, third-party products or services, third party Content, or investment loss arising from any use of the Content, including third party Content. Content is for general information and educational purposes only, is not intended to provide personal investment advice and does not take into account the specific objectives, personal, financial, legal or tax situation, or particular needs of any specific person. No information contained in the Content constitutes a recommendation by Scotia Capital Inc. to buy, hold or sell any security, financial product or instrument discussed therein. The information contained in the Content neither is nor should be construed as an offer or a solicitation of an offer by Scotia Capital Inc. to buy or sell securities. Scotia iTRADE does not make any determination of your general investment needs and objectives or provide advice or recommendations regarding the purchase or sale of any security, financial, legal, tax or accounting advice, or advice regarding the suitability or profitability of any particular investment or investment strategy. You will not solicit any such advice from Scotia iTRADE and in making investment decisions you will consult with and rely upon your own advisors and not Scotia iTRADE and will seek your own professional advice regarding the appropriateness of implementing strategies before taking action. Scotia iTRADE does not provide investment advice or recommendations and you are fully responsible for your own investment decisions and any profits or losses that may result. Any information, data, opinions, views, advice, recommendations or other content provided by any third party are solely those of such third party and not of Scotia Capital Inc. or its affiliates, and Scotia Capital Inc. accepts no liability in respect thereof. No endorsement or approval by Scotia Capital Inc. or any of its affiliates of any third-party product, service, website or information is expressed or implied by any information or material contained in or referred to in the Content, on the Scotia iTRADE website or in any other Scotia iTRADE communication. Scotia iTRADE is a division of Scotia Capital Inc.

1

Refers to Scotia iTRADE's brokerage commission for online trade execution only. Does not take into account fees, charges, expenses or commissions imposed by the fund companies, all of which can be associated with ETF investments. You should carefully consider the fund's investment objectives, risks, fees, charges, expenses and commissions before investing. The prospectus contains this and other important information about the fund. Please read the prospectus carefully before investing. Funds are not guaranteed, their values change frequently and past performance may not be repeated. In order to qualify for our "commission-free ETFs" offer ("Eligible ETFs") trades of Eligible ETFs must be placed online or by phone via Teletrader. You will be charged our regular equity commission depending on the pricing tier for which you qualify (see online fee schedule) on the sale of any Eligible ETFs held for less than 1 business day. Add $65.00 for telephone representative-assisted trades. Scotia iTRADE reserves the right to modify or cancel this offer at any time without notice.

2

Please note that this list of Eligible ETFs is subject to change without notice. The links to the ETF issuers’ websites are provided as a convenience only and are not to be construed as investment advice or as a recommendation to buy, sell or hold any particular security or to follow any particular investment strategy. No ETF product, or any information provided by or available through any ETF provider, or through any of their respective websites, has been endorsed, validated or approved by Scotia Capital Inc. or its affiliates, and neither Scotia Capital Inc. nor any of its affiliates is responsible or liable therefore, or for any third-party products, services, opinions, information or prospectus content of any ETF providers. Scotia iTRADE does not provide investment advice or recommendations, and you are responsible for your own investment decisions.