RBC Mobile vs Digital Token

The RBC Mobile* app takes mobile banking to the next level. Everyday banking is always convenient, but our app helps make managing your money even easier. Our fresh and intuitive design gives you easy access to everything you'd expect from a banking app: account balances, money transfers, bill payments, cheque deposits, ATM locations and more. But we didn't stop there. We made it easier to find each feature with improved navigation. Our Action Button and Manage Menu take the most important tools and put them right at your fingertips. The best part? These menus are tailored to each page. Exclusive to the RBC Mobile app, NOMI plays a big part of the app experience. NOMI Insights help you manage your day-to-day finances with personalized tips and spend trends. NOMI Find & Save helps make saving easy by taking a look at your spending habits to find a little extra money and saves it for you – so you don't have to. We know you'll love everything the RBC Mobile app offers, and we want you to feel safe and secure using it. Starting at sign in, we've given you access to the latest in biometric identification technology, like Touch ID or Face ID, so you can securely access the app without having to remember your password. If you misplace your credit card, use the app to temporarily lock your card. PRIVACY RBC collects, uses and discloses the information that you provide to us in accordance with your account agreement(s) with us and our privacy policy, available at http://www.rbc.com/privacysecurity/ca/our-privacy-principles.html Learn more about RBC digital channel privacy at http://www.rbc.com/privacysecurity/ca/online-privacy.html. The RBC Mobile app might need to access device services for certain features, like finding nearby RBC Royal Bank® branches. For a full list of the features, check out http://www.rbcroyalbank.com/mobile/permissions/mobile-iOS.html. For help removing the RBC Mobile app from your device, there are instructions at http://www.rbcroyalbank.com/mobile/permissions/mobile-iOS.html or you can contact mobile.feedback@rbc.com. LEGAL RBC does not sell, promote or otherwise provide financial services or products referred to in this app outside of Canada. You should not access this app if you are not a resident of Canada. When you select to install the RBC Mobile 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 Mobile app from your device. If you download the RBC Mobile app, you must review, and are subject to, the terms & conditions found under the Legal link on www.rbc.com as well as all applicable agreements between you and any RBC company, including: - Electronic Access Agreement (Personal clients of Royal Bank of Canada) - Business Account Agreement (Business clients of Royal Bank of Canada) - The Operation of Account Agreement (RBC Direct Investing clients) - General Account Agreement (RBC Dominion Securities clients) *The RBC Mobile app is operated by: Royal Bank of Canada 10 York Mills Rd. 3rd Floor Toronto, ON M2P 0A2 www.rbcroyalbank.com 1-800-769-2511 mobile.feedback@rbc.com RBC Direct Investing Inc. Royal Bank Plaza 200 Bay Street, North Tower, P.O. Box 75 Toronto, ON, M5J 2Z5 www.rbcdirectinvesting.com RBC Dominion Securities Inc. 155 Wellington Street West, 17th Floor Toronto, ON, M5V 3K7 www.rbcwealthmanagement.com ®/™ Trademarks of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. Touch ID, Face ID, Siri and iMessage are trademarks of Apple Inc., registered in the U.S. and other countries.

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