Bank Nova Scotia SEC Filings

The Bank of Nova Scotia is offering Contingent Income Auto-Callable Securities linked to the common stock of Palantir Technologies Inc., maturing on or about January 26, 2029. Each $1,000 security can pay a contingent quarterly coupon of $41.625 per security, equivalent to 16.65% per annum, for any determination date on which Palantir’s closing price is at least 50.00% of the initial share price.

If on any non-final determination date Palantir’s closing price is at least 100.00% of the initial share price, the notes are automatically redeemed for the $1,000 stated principal amount plus the applicable coupon and any previously unpaid coupons under the memory feature. If the notes are not called and the final share price is at least 50.00% of the initial share price, investors receive principal back plus the final coupon and any unpaid coupons.

If the notes are not redeemed early and the final share price is below 50.00% of the initial share price, the maturity payment equals $1,000 multiplied by the share performance factor, so the payout will be less than 50.00% of principal and could be zero, resulting in a loss of up to 100% of the investment. Investors do not participate in any stock appreciation and forgo dividends. The estimated value on the pricing date is expected to be between $938.92 and $968.92 per $1,000, reflecting selling, structuring and funding costs. The securities will not be listed, may have limited liquidity, and all payments are subject to BNS credit risk.

The Bank of Nova Scotia is offering unsecured, unsubordinated autocallable contingent coupon buffer notes linked to the SPDR® S&P 500® ETF Trust, maturing on January 20, 2027. The notes have a $1,000 principal amount and a minimum investment of $10,000.

On each monthly Observation Date, if SPY’s closing value is at least 95% of the Initial Value of $693.77, investors receive a $10.10 contingent coupon per note; missed coupons become “memory” amounts that are paid on the next qualifying date. If SPY closes at or above the Initial Value on any Observation Date before maturity, the notes are automatically called, returning principal plus due coupons.

At maturity, if not called and the Final Value is at least 95% of the Initial Value, investors receive full principal plus any due coupons. If the Final Value is below this 5% buffer, repayment is reduced by about 1.0526% of principal for each 1% decline beyond the buffer, up to a total loss. The notes are not listed, may have limited liquidity, their initial estimated value (about $964.96–$994.96 per $1,000) is below issue price, and all payments are subject to the credit risk of the Bank.

The Bank of Nova Scotia is offering senior unsecured Contingent Income Auto-Callable Securities maturing on or about January 26, 2029, linked to the common stock of GE Vernova Inc.

Investors may receive a quarterly contingent coupon of $33.20 per $1,000 note (equivalent to 13.28% per annum) for each determination date on which the GE Vernova share price is at or above 50% of its initial level; missed coupons can be paid later under a memory feature. The notes are automatically called, returning principal plus the applicable coupon(s), if the stock is at or above 100% of the initial price on any non-final determination date.

If the notes are not called and the final share price is below the 50% downside threshold, repayment is reduced 1-for-1 with the stock decline and can be zero, meaning investors may lose their entire principal. The securities do not participate in any stock upside beyond coupons, are not listed, and have an initial estimated value of $944.36–$974.36 per $1,000, below the issue price. All payments are subject to BNS’s credit risk.

The Bank of Nova Scotia is offering Buffered Contingent Income Auto-Callable Securities with Memory Coupon and Downside Leverage linked to Alphabet Inc. Class A shares, maturing on January 20, 2027. Each $1,000 security pays a contingent monthly coupon of $15.70 (an annual rate of 18.84%) for any determination date on which Alphabet’s closing price is at or above the downside threshold of $285.5745, equal to 85% of the initial share price of $335.97.

If on any non-final determination date Alphabet closes at or above the call threshold of $335.97, the notes are automatically redeemed at $1,000 plus the due coupon and any unpaid “memory” coupons, and no further payments are made. If held to maturity and Alphabet is below the downside threshold, investors receive a cash value that causes about 1.1765% loss in principal for every 1% Alphabet finishes below the threshold, up to a total loss of principal.

The securities are senior unsecured obligations of BNS, not principal-protected, not listed on any exchange, and all payments depend on BNS’s credit. The estimated value on the pricing date is expected between $962.63 and $992.63 per $1,000, reflecting embedded fees, hedging costs and BNS’s internal funding rate.

The Bank of Nova Scotia is offering unsecured Autocallable Contingent Coupon Trigger Notes linked to the common stock of Best Buy Co., Inc., maturing in March 2027. Investors receive a monthly contingent coupon of $12.667 per $1,000 (1.2667% monthly, about 15.20% per year) only when Best Buy’s share price on an observation date is at or above 70% of the initial price.

The notes can be automatically called starting in July 2026 if Best Buy’s share price is at or above the initial price on a call observation date, returning $1,000 per note plus that month’s coupon, with no further payments. If the notes are not called and the final price is at or above 70% of the initial price, investors receive $1,000 plus the last coupon. If the final price is below 70%, repayment of principal falls one-for-one with Best Buy’s decline, up to a total loss of the investment and no final coupon. The notes are uninsured senior unsecured obligations of BNS, not listed on any exchange. The initial estimated value is expected to be $925–$965 per $1,000, below the 100% issue price, reflecting dealer commissions and structuring and hedging costs.

The Bank of Nova Scotia is offering autocallable contingent coupon trigger notes linked to the common stock of UnitedHealth Group Incorporated. These unsecured senior notes target a 13‑month term to February 25, 2027, with $1,000 principal per note and a 100% original issue price.

Investors may receive a monthly contingent coupon of $9.834 per $1,000 note (0.9834% monthly, up to about 11.80% per year) if on each observation date the UNH share price is at or above 70% of the initial price. Starting in July 2026, the notes are automatically called if UNH closes at or above the initial price on a call observation date, returning $1,000 plus the related coupon.

If the notes are not called and the final UNH price is at least 70% of the initial price, investors receive $1,000 plus the final coupon. If the final price is below 70%, repayment equals $1,000 plus $1,000 times the stock’s percentage return, creating a one‑for‑one loss that can reach 100% of principal. The initial estimated value is expected between $925 and $955 per $1,000, the notes will not be listed, and all payments depend on Bank of Nova Scotia’s credit.

The Bank of Nova Scotia is offering unsecured Autocallable Contingent Coupon Trigger Notes linked to the common stock of Oracle Corporation, maturing on or about March 4, 2027. Each note has a $1,000 principal amount and pays a monthly contingent coupon of $11.25 per $1,000 (1.125% monthly, up to 13.50% per year) only if Oracle’s closing price on the relevant observation date is at or above 56.00% of the initial price. The notes may be automatically called starting in July 2026 if Oracle’s price on a call observation date is at or above the initial price, in which case investors receive $1,000 plus the applicable coupon and the notes terminate early.

If the notes are not called, the amount repaid at maturity depends on Oracle’s final price. If the final price is at or above 56.00% of the initial price, investors receive $1,000 plus the final coupon. If it is below 56.00%, repayment is $1,000 plus $1,000 multiplied by the Oracle return, meaning a 1% loss for every 1% Oracle has fallen from the initial level and potential loss of the entire principal, with no coupon. The initial estimated value is expected between $925.00 and $965.00 per $1,000, below the issue price, reflecting fees and hedging costs. The notes are not insured, will not be listed on an exchange, pay no dividends, and all payments depend on the creditworthiness of The Bank of Nova Scotia.

The Bank of Nova Scotia is offering Autocallable Contingent Coupon Trigger Notes linked to NVIDIA Corporation stock, maturing on or about March 4, 2027. These unsecured senior notes pay a monthly contingent coupon of 1.00% of principal (up to 12.00% per year) only if NVIDIA’s closing price on an observation date is at least 59.00% of the initial price.

Starting in July 2026 through January 2027, the notes will be automatically called if NVIDIA’s price on a call observation date is at or above the initial price, returning principal plus that month’s coupon, with no further payments.

If the notes are not called and NVIDIA’s final price is below 59.00% of the initial price, investors lose 1% of principal for each 1% decline from the initial price, potentially losing their entire investment, and receive no final coupon. The initial estimated value is expected to be $925–$965 per $1,000, below the issue price, reflecting dealer commissions of up to 2.15% and hedging and structuring costs.

The Bank of Nova Scotia is offering $24,362,000 of Contingent Income Auto-Callable Securities due January 12, 2029, linked to Amazon.com, Inc. common stock. These senior unsecured notes can pay a quarterly contingent coupon of $25.50 per $1,000 (10.20% per annum) if Amazon’s closing price on the determination date is at or above 70.00% of the $247.38 initial share price, a downside threshold of $173.166.

If on any non-final determination date Amazon closes at or above 100.00% of the initial share price, the notes are automatically redeemed at $1,000 plus the applicable coupon and any unpaid coupons under the memory feature. If held to maturity and the final share price is below the downside threshold, repayment is reduced 1-to-1 with Amazon’s decline, and the payment can be less than 70.00% of principal or zero.

Investors do not participate in any stock upside beyond coupons, forgo dividends, face full principal-at-risk and credit risk of BNS, and the notes will not be listed. The estimated value on the pricing date is $971.00 per $1,000, below the issue price, and secondary market liquidity is expected to be limited.