5 ways to channel main character energy this fall and the card that helps get you there

Main character energy means moving through life like it was written just for you. It's not about striving — it's about stepping into the aura of awesomeness that already exists within you. If you're not living like the main character of your own story, now's the time to start.

If you're all about chasing new experiences — from snagging reservations at some of the hottest new restaurants to getting great seats at the concert of the year, or jet-setting to your dream destination — then you already have a main character mindset. Of course, these moments come at a price, but when you have a Scotiabank^®* Gold American Express^® Card, you can tap into your main character potential and get rewarded for it with Scene+^TM points and more.

Here are just a few ways the card can help you unlock your main character energy.

Get in-demand tickets to the hottest shows ahead of time

The Scotiabank Gold American Express Card gets you access to exclusive presale and reserved tickets through Front of the Line^®1. With iconic artists coming to cities across Canada, you won’t be refreshing your browser or settling for nosebleeds because you can snag your tickets before the general public. Nothing gives main character energy like having your tickets in hand before anyone else.

Be among the first to try the newest restaurants and bars

Friends enjoying cocktails and dinner together at a restaurant.Negley Stockman | Unsplash

Get ready to say: "Yes, we've already been there," when your friends bring up that hot new spot, because with five times the Scene+ points² earned when you dine out, booking that table just became a no-brainer.

Luxuriate in the lounge when you fly

Ever envied the stylish passengers with their sleek luggage slipping through the doors of a private airport lounge? With this card, you get a preferred discount on a Priority Pass™ membership, giving you access to 1,200 VIP lounges worldwide³. So, before your journey begins, you're already enjoying the perks – sipping a latte and snacking in comfort at the lounge, making the most of every moment.

Shop like a local all around the world

While you're on your international adventure, you can shop with your Scotiabank Gold American Express Card and avoid the 2.5% foreign transaction fee⁴ — whether you're picking up a locally made treasure in Hanoi or strutting the Champs-Élysées with boutique bags in hand.

Access amazing offers with Amex Offers^®

Living your main-character life doesn't have to come with a main-character price tag. This card gives you access to Amex Offers^®5, where you'll find deals on everything from travel and shopping to dining and entertainment.

For a limited time, you can also earn up to 50,000 bonus Scene+ points and pay no annual fee for your first year⁶. If you're looking for a way to make those everyday moments feel like a movie without the blockbuster budget, learn how the Scotiabank Gold American Express Card has you covered.

1 Purchase must be charged in full to an American Express® Card. Subject to availability and to event and ticketing terms, restrictions, verification procedures and fees. Tickets and packages may not be transferable and should not be resold. No refunds and no exchanges subject to merchant's obligations under applicable law. Any dispute related to an offer must be directed to the participating merchant. The Bank of Nova Scotia and its affiliates are not responsible for fulfilment of offers under the American Express Invites program. All offers are provided and fulfilled by participating merchants and are subject to the specific terms and conditions of the respective merchant. American Express® and its affiliates are not liable or otherwise responsible for any offer or experience made available under this program, and are not responsible for fulfilment, any changes or cancellation of any offer.

2 You are awarded six (6) Scene+ Points for every eligible $1.00 CAD purchase made at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry, and Co-Op locations charged and posted to the Scotiabank Gold American Express Account. This list of eligible grocers may be changed from time to time without notice. See full list of participating merchants across Canada at scotiabank.com/participatingstores. You are awarded five (5) Scene+ Points for every eligible $1.00 CAD purchase on all other grocery (not listed above), dining, and entertainment charged and posted to the Scotiabank Gold American Express Account. You are awarded three (3) Scene+ Points for every eligible $1.00 CAD purchase in gas, public transit and select streaming services purchases charged and posted to the Scotiabank Gold American Express Account (the earn rates for each of the above categories and merchants are referred to as the "Accelerated Earn Rates"). For a current list of eligible select streaming services, contact Scotiabank at 1-888-860-7093 or through the "Connect with Scotia chat" option on the Scotia app. You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Scotiabank Gold American Express Account (the "Regular Earn Rate").

You will earn the accelerated Scene+ Points (6X, 5X or 3X as applicable) under the Scene+ program if you make purchases in Canadian currency only. For purchases that are made in foreign currency, you will only earn 1 Scene+ Point for every $1 charged to the Scotiabank American Express® credit card once that foreign currency has been converted into Canadian dollars.

Merchant classifications – American Express network Purchases must be made at merchants classified through the American Express network with a Merchant Category Code ("MCC") that identifies them in the American Express network in the "grocery", "dining", "entertainment", "gas", "streaming service" or "transit" category. Purchases at merchants where these categories are not their primary business do not qualify. Some merchants may (i) provide other goods or services; or (ii) have separate merchants located on their premises that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rate as applicable. The Accelerated Earn Rates for the Scotiabank Gold American Express Card applies to the first $50,000 in purchases charged to the Scotiabank Gold American Express Account annually at merchants qualifying for the Accelerated Earn Rate, calculated annually from January 1st to December 31st each year. Once you exceed the applicable annual spend threshold, you will continue earning points at the Regular Earn Rate of one (1) Scene+ Point per $1.00 in purchases charged and posted to the Scotiabank Gold American Express Account. Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points. Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. See your Scene+ Points terms at www.scotiabank.com/sceneplus for full program details. All dollar amounts are in Canadian currency unless otherwise stated.

3 Priority Pass™ membership includes access to airport lounges participating in the Priority Pass program. Certain terms, conditions and exclusions apply. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. Priority Pass membership will be cancelled if your Scotiabank Gold American Express Card is cancelled. For complete Priority Pass terms and conditions, please visit prioritypass.com/Conditions-of-use

4 We will not charge you Foreign Transaction Fees on foreign currency transactions, including purchases, only the exchange rate applies. The term "Foreign Transaction Fees" is a substitute for "Foreign Currency Conversion" as described in the Disclosure Statement you received with your Card. This fee relates to the 2.5% mark-up that is typically charged by credit card issuers in addition to the exchange rate. See the Foreign Currency Conversion section of the Disclosure Statement for this Card for full details. Rates and fees are subject to change.

5 Select offers are brought to you by American Express. The Bank of Nova Scotia is not responsible for the offers, or any third-party services, provided under the Amex Offers® program. American Express reserves the right to vary any eligibility criteria or the Terms prior to you registering for the offer. If you do not agree with the Terms, you must not participate in the offer.

6 Offer Description and Conditions: The 50,000 Bonus Scene+ Points and First Year Annual Fee Waiver (the "Offer") applies only to new Scotiabank Gold American Express credit card accounts ("Accounts") opened between July 2, 2025 and October 31, 2025 (regardless of the date you apply for the Account) and is subject to the conditions below.

50,000 Bonus Scene+ Point Offer Description and Conditions: To be eligible for 30,000 bonus Scene+ points (the "30,000 Point Bonus"), you must have at least $2,000 in eligible purchases posted to your new Account in the first 3 months of the Account open date. To be eligible for an additional 20,000 bonus Scene+ points (the "Additional 20,000 Point Bonus"), you must have at least $7,500 in eligible purchases posted to your new Account in the first year (12 months) of 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.

Point Bonus Fulfillment: The applicable point Bonus(es) will be credited to the Scene+ account within approximately 8 weeks after qualifying for a Bonus, 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 as follows: (i) the 30,000 Point Bonus and Additional 20,000 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., $2,000 or $7,500) in the appropriate time frame (i.e., first 3 months or first 12 months). If a supplementary cardholder completes the last qualifying transaction to meet the qualifying amount of eligible purchases for the 30,000 Point Bonus or the Additional 20,000 Point Bonus, the applicable point Bonus will be credited to the Primary Borrower's Scene+ account linked to the Account. Points can be transferred between Primary and Co-Borrower or Supplementary Cardholder's Scene+ accounts by contacting Scene+. 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 without notice at any time and cannot be combined with any other offers.

First Year Annual Fee Waiver Offer Description and Conditions: We will waive the annual fee for the primary card issued between July 2, 2025 and October 31, 2025 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.

Rates and Fees: The current annual fee is $120 for the primary card and $29 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 (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.

® Used by Amex Bank of Canada under license of American Express.

®* Registered trademarks of The Bank of Nova Scotia. American Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express.

^TM Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.