Bank Nova Scotia SEC Filings

Bank of Nova Scotia has announced Buffered Enhanced Participation Notes linked to the performance of iShares MSCI EAFE ETF and EURO STOXX 50 Index, due August 5, 2027. The notes offer:

• Principal amount of $1,000 per note
• Participation rate expected at minimum 168.00% on positive performance
• 10% downside buffer protection
• No interest payments during the term

Returns are based on the least performing of the two reference assets. If both assets perform above initial levels, investors receive enhanced upside participation. If any asset declines up to 10%, principal is protected. Beyond 10% decline, investors lose 1% for each 1% decline, with maximum loss of 90% of principal.

Initial estimated value between $900-$940 per $1,000 principal amount, below issue price. Notes involve credit risk of Bank of Nova Scotia and are not CDIC or FDIC insured. Trading begins July 31, 2025, with maturity on August 5, 2027.

Bank of Nova Scotia has filed a preliminary pricing supplement for Market Linked Securities due July 21, 2028, linked to a defense sector basket. The securities are tied to an equally-weighted basket of Lockheed Martin (33.34%), Northrop Grumman (33.33%), and RTX Corporation (33.33%).

Key features include:

• Original offering price of $1,000 per security with 90% principal protection
• Upside participation rate of 100% with maximum return capped at minimum 40%
• 1-to-1 downside exposure for first 10% decrease in basket value
• No periodic interest payments or dividends
• Estimated value between $925.48-$955.48 per security

Distribution will be through Scotia Capital (USA) Inc. and Wells Fargo Securities, with agent discount up to $28.25 (2.825%) per security. The securities are senior unsecured obligations of Bank of Nova Scotia and not insured by CDIC or FDIC.

Bank of Nova Scotia has issued $7.67 million in Autocallable Contingent Coupon Trigger Notes linked to AMD stock, due July 30, 2026. The notes offer monthly contingent coupons of $10.959 per $1,000 principal (approximately 13.15% per annum) if AMD's stock price remains at or above 60% of the initial price of $143.40.

Key features include:

• Automatic call feature starting December 2025 if AMD stock closes at or above initial price
• Principal at risk if final price falls below 60% of initial price
• Initial estimated value of $975.41 per $1,000 principal amount
• Monthly observation dates from July 2025 through July 2026

The notes involve significant risks including potential loss of principal, credit risk of Bank of Nova Scotia, and market risk related to AMD stock performance. The initial estimated value is less than the issue price, reflecting underwriting commissions of 2.15% and the bank's internal funding rate.

Bank of Nova Scotia has issued $26.46 million in Buffer Autocallable GEARS, due June 29, 2028, linked to an unequally weighted basket of global equity indices. The securities are tied to: EURO STOXX 50 (40%), Nikkei 225 (25%), FTSE 100 (17.50%), Swiss Market Index (10%), and S&P/ASX 200 (7.50%).

Key features include:

• Automatic call feature if basket level meets/exceeds autocall barrier (100% of initial level)
• 11% call return rate if automatically called
• 1.77x upside gearing for positive basket returns if not called
• 10% downside buffer protection
• Principal at risk if basket declines beyond 10% buffer

The initial estimated value is $9.629 per security, below the $10 issue price. Securities are being sold through Scotia Capital USA and UBS Financial Services. These notes involve significant risks including possible loss of principal and are not CDIC or FDIC insured.

Bank of Nova Scotia has issued Market Linked Securities due June 29, 2028, linked to the lowest performing stock among Dell Technologies, Intel Corporation, and Eli Lilly and Company. The securities are being offered at $1,000 per unit with total offering of $2,385,000.

Key features include:

• Auto-Call Feature: Securities automatically redeem after one year if lowest performing stock is at/above starting price, paying 50% premium ($500 per unit)
• Maturity Payment: If not called, offers 350% upside participation if lowest performing stock rises; full principal at risk below 50% threshold
• Starting Prices: Dell ($125.98), Intel ($22.50), Eli Lilly ($795.12)
• Estimated Value: $950.67 per security (95.067% of offering price)

The securities involve significant risks including potential loss of principal, no periodic payments, and dependence on the worst-performing of three stocks. All payments subject to Bank of Nova Scotia's credit risk.

Bank of Nova Scotia has issued $23.87 million in Dual Directional Capped Barrier Notes linked to the S&P 500 Index, due April 16, 2027. These unsubordinated and unsecured debt securities offer unique return characteristics:

• If the Final Value is equal to or greater than the Initial Value (6,092.16), returns are capped at 21.32% (Maximum Upside Return)
• If Final Value is below Initial Value but above the Barrier Value (4,873.73, or 80% of Initial Value), investors receive positive returns equal to the absolute value of the decrease
• If Final Value falls below the Barrier Value, investors face losses proportional to the index decline, potentially losing up to 100% of principal

Key features include a $10,000 minimum investment, no interest payments, and approximately 21-month term. The initial estimated value was $982.90 per $1,000 Principal Amount, below the issue price. Scotia Capital (USA) and J.P. Morgan Securities are acting as placement agents, receiving a 1.40% fee. Notes are not FDIC or CDIC insured.

Bank of Nova Scotia has issued $14,241,020 in Capped Buffer GEARS linked to the S&P 500® Index, due July 1, 2027. These structured notes offer enhanced exposure to S&P 500 performance with key features:

• Enhanced Returns: 2.00x upside participation up to a maximum gain of 18.06% ($11.806 per $10 security)
• Downside Protection: 10% buffer against losses, with 1:1 loss exposure below 90% of initial index level (5,526.92)
• Initial Terms: Initial index level at 6,141.02, with $10 per security pricing and minimum investment of $1,000

The securities are senior unsecured obligations of Bank of Nova Scotia, not CDIC or FDIC insured. Initial estimated value is $9.708 per security, below the $10 issue price. Investors face credit risk and could lose substantial investment if index falls significantly or issuer defaults. Scotia Capital USA and UBS Financial Services are serving as agents.

Bank of Nova Scotia has filed a prospectus for Autocallable Strategic Accelerated Redemption Securities linked to the S&P 500 Index. Key features include:

• Principal amount of $10.00 per unit with approximately six-year term if not called earlier
• Automatic call feature triggers if the S&P 500 Index reaches or exceeds 100% of starting value on observation dates
• Potential call amounts range from $10.65-$10.75 (first year) to $13.90-$14.50 (final year)
• If not called, investors face 1-to-1 downside exposure with up to 100% principal at risk

Key risks include credit risk of Bank of Nova Scotia, potential loss of principal, limited upside potential capped at call premiums, and no interim interest payments. The initial estimated value will be less than the public offering price, and secondary market prices may be lower than both.

Bank of Nova Scotia has issued $12,794,670 in Buffer Autocallable GEARS linked to the S&P 500® Index, due June 29, 2028. These senior unsecured debt securities feature an automatic call provision if the S&P 500 closes at or above 6,141.02 on the observation date (July 2, 2026).

Key features include:

• Call Return Rate: 8.00% if automatically called
• Upside Gearing: 1.25x exposure to positive index returns if not called
• Downside Protection: 10% buffer against losses
• Downside Threshold: 90% of initial level (5,526.92)

The initial estimated value is $9.709 per $10 principal amount. Investors could lose substantial principal if the index falls below the buffer level. The securities are not CDIC insured and carry BNS credit risk. UBS Financial Services and Scotia Capital USA are serving as distributors.