RBC Launch vs Digital Token

RBC Launch™ is a new space for our clients to be the first to use our newest and most innovative banking features and have a say in how they should work for you. Try some of the new features like: Email transfers to the US Send money to friends and family in the US just like you do in Canada! All you need is a name, email and phone number to start a transfer. Avion Rewards Pay With the new Avion Rewards Pay card, seamlessly use your Avion Rewards points for purchases in person or online wherever Visa is accepted. Enjoy the flexibility to pay with points whenever you shop, making every transaction more rewarding. Shopping by RBC A personalized shopping companion and a new way to search, shop and save. InStore Offers Unlock cash back at your favorite nearby stores with the new InStore Offers when you turn on location sharing and notifications. Browser Extension Never miss a deal with your ultimate shopping companion added to the browser. Access offers, coupons, and autofill at checkout on popular retail sites. RBC Pay Enable the browser extension, and let us fill in your contact information, shipping address, and preferred payment details at checkout automatically. Cash Back Deals A new way to earn cash back in your RBC account when shopping on your mobile device at your favourite participating merchants by using a Safari browser extension. Payback with Points Redeem your Avion Rewards points towards a recent Apple Pay transaction and receive a statement credit for the transaction. Here’s how we keep you safe: SECURITY Rest easy knowing that you’re protected from unauthorized transactions** in the RBC Launch app by the RBC Digital Banking Security Guarantee. PRIVACY The RBC Launch app might need to access device services for certain features, like your contacts so you can send money to a friend. For a full list of the features, check out http://www.rbcroyalbank.com/mobile/permissions/wallet-iOS.html For help removing the RBC Launch app from your device, there are instructions at http://www.rbcroyalbank.com/mobile/permissions/wallet-iOS.html You can get more information about RBC digital channel privacy at https://www.rbc.com/privacysecurity/ca/online-privacy.html Contact information for RBC Royal Bank® is available at https://www.rbcroyalbank.com/customer-service/mailing-addresses/index.html LEGAL When you select to install the RBC Launch app, you’re consenting to any future updates or upgrades. Depending on your device, operating system or user-initiated settings, these might be automatically installed. You’re able to withdraw your consent by uninstalling the RBC Launch app from your device. If you download the RBC Launch app, you must review, and are subject to, the Legal Terms of Use found by clicking the Legal link on www.rbc.com, as well as the Electronic Access Agreement, as applicable. * The RBC Launch app is operated by Royal Bank of Canada. ** For a definition of an unauthorized transaction and for full details regarding the protections and limitations of the RBC Online Security Guarantee, please see your account and/or online agreements with the applicable entity. The guarantees are given by Royal Bank of Canada, in connection with its respective online services. ®/™ Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Apple Pay, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries. ‡ All other trademarks are the property of their respective owner(s).

Important Notice – Read Before Installing: The Scotiabank Digital Token app makes signing into specific Scotiabank apps easier than before by simply using this app to get a token value for login. By pressing the button above and installing the Digital Token app published by Scotiabank, (known as ‘the app’) you: (i) acknowledge, understand, and agree that the app may contain the functions and features described below, and (ii) consent to the installation of this app, including the below functions and features, and to any future updates or upgrades to the app which may be automatically installed (depending on your device settings). The functions and purposes of the Digital Token app are to: - Register a soft token for two-factor authentication, using the device camera to scan a QR Code - Use a soft token for two- factor authentication, which is unlocked using device-based login e.g., TouchID/FaceID We may use and disclose the information that you provide to us in accordance with your account agreement(s) and the Scotiabank Privacy Agreement (scotiabank.com/ca/en/about/contact-us/privacy/privacy-agreement.html). You can withdraw your consent to these features and future installations by deleting the app or by contacting hd.ccebs@scotiabank.com for assistance. After you delete the app, you will no longer be able to use it unless you reinstall it and provide your consent again. If you have any questions about the app, please email us at hd.ccebs@scotiabank.com so we can help. The Bank of Nova Scotia 44 King St. West Toronto, ON M5H 1H1