Bank Nova Scotia SEC Filings

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.

Bank of Nova Scotia has filed a prospectus supplement for Autocallable Digital Trigger Notes linked to the performance of the S&P 500 and EURO STOXX 50 indices, maturing August 3, 2028. Key features include:

• Notes will be automatically called if both indices are at or above their initial levels on July 30, 2026, paying $1,000 plus at least 8.00% premium
• If not called and both indices are above initial levels at maturity, investors receive the greater of $1,400 or principal plus return of worst-performing index
• If any index falls below 75% of initial level at maturity, investors lose 1% for every 1% decline in worst-performing index
• Initial estimated value between $890-$930 per $1,000 principal amount

The notes involve significant risks including potential loss of principal, are subject to Bank of Nova Scotia's creditworthiness, and will not be listed on any exchange. Underwriting commissions up to 3.20% reduce investor returns.

Bank of Nova Scotia has filed a preliminary term sheet for Autocallable Strategic Accelerated Redemption Securities linked to the S&P 500 Index, due July 2031. Key features include:

• Principal amount of $10.00 per unit with 6-year maturity if not called earlier
• Automatic call feature if Index closes at or above Starting Value on observation dates
• Call premiums ranging from 6.50-7.50% in year 1 up to 39.00-45.00% in year 6
• 1-to-1 downside exposure if not called, with up to 100% principal at risk
• Initial estimated value between $9.13-$9.43 per unit, below offering price

Notable risks include credit risk of Bank of Nova Scotia, no periodic interest payments, limited secondary market liquidity, and potential loss of principal. The securities include a $0.20 underwriting discount and $0.05 hedging charge per unit.

Bank of Nova Scotia has issued $3,767,750 in Capped Trigger GEARS linked to the Russell 2000® Index, maturing June 29, 2029. These structured notes offer enhanced exposure to positive index returns with 1.50x upside gearing, capped at a maximum gain of 59.10%.

Key features include:

• Principal protection if the Russell 2000 stays above the 75% downside threshold at maturity
• Full downside exposure if index falls below threshold
• Initial index level: 2,172.108
• Downside threshold: 1,629.081
• Per-security pricing: $10 principal amount with initial estimated value of $9.576

Important risks: investors could lose their entire investment if the index falls significantly. Securities are subject to Bank of Nova Scotia's credit risk and offer no interim interest payments. The notes are not CDIC insured or bail-inable under the CDIC Act.

Bank of Nova Scotia is offering Capped Buffered Enhanced Participation Notes linked to the Russell 2000® Index, due May 5, 2027. The notes feature:

• Principal Amount: $1,000 per note
• Enhanced participation rate of 150% on positive index returns, subject to a maximum payment cap (expected to be at least $1,192.50 per $1,000)
• 10% downside buffer - no loss of principal if index declines up to 10%
• Risk of loss up to 90% of principal for index declines beyond 10%

The initial estimated value is between $900-$940 per $1,000 principal amount, below the issue price. Underwriting commissions up to 2.20% apply. The notes are unsubordinated, unsecured obligations of Bank of Nova Scotia and will not be listed on any exchange. They do not pay interest or provide dividend returns.

Bank of Nova Scotia has issued $7,711,620 in Trigger Autocallable Notes linked to the Nasdaq-100 Index, due July 1, 2030. The notes feature an automatic call mechanism that triggers if the Nasdaq-100 Index closes at or above the call threshold of 22,447.29 on quarterly observation dates (after 12 months).

Key features include:

• Call return rate of 8.55% per annum if automatically called
• Principal protection if the final index level is at/above the downside threshold (75% of initial level)
• Full downside exposure if index falls below downside threshold of 16,835.47
• Initial estimated value of $9.65 per $10 principal amount

The notes carry significant risks including potential loss of principal, market risk similar to direct index investment, and credit risk of Bank of Nova Scotia. They are not CDIC insured or bail-inable debt securities. The offering is being distributed through Scotia Capital and UBS Financial Services.

Bank of Nova Scotia has filed a prospectus supplement for Autocallable Contingent Coupon Trigger Notes linked to Meta Platforms Class A Common Stock, due August 13, 2026. The notes offer:

• Principal Amount: $1,000 per note
• Monthly contingent coupon of $9.709 (11.65% per annum) if Meta stock closes at/above 70% of initial price
• Automatic call feature starting January 2026 if Meta stock closes at/above initial price
• Risk of principal loss if final price is below 70% of initial price

Key features include a 70% coupon barrier and trigger price. The notes' initial estimated value is between $925-$955 per $1,000 principal amount, below the issue price. Investors face full exposure to Meta stock downside if it falls below the trigger price. The notes are subject to Bank of Nova Scotia's creditworthiness and are not FDIC or CDIC insured.