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The Ultimate Package monthly account fee is waived if a minimum daily closing balance of $5,000 is maintained for the entire month in the Ultimate Package. If the monthly balance of the Ultimate Package account is less than the daily minimum of $5,000 but has a combined minimum daily closing balance of $30,000 across the Ultimate Package account and Momentum^PLUS Savings Account(s) for the entire month, the monthly account fee of the Ultimate Package account will be charged then rebated within the first 10 business days of the following month. The account must have sufficient funds to cover any fees, including the monthly fee. The account balance of one (1) Ultimate Package Account plus more than one (1) Momentum^PLUS Savings Account(s) qualifies to pay no monthly fees on one (1) Ultimate Package account. Account holders of the Ultimate Package who are also account holders of the Momentum^PLUS Savings Account(s) qualify.

10,000 Bonus Point Offer Conditions: To qualify for the 10,000 SCENE or CAF Rewards bonus points offers (each an "Offer", collectively the "Offers), you must:

• Open a new Ultimate Package or new Preferred Package (each an "Eligible Account") by March 31, 2020; and
• Complete two (2) of the following three (3) activities in your Eligible Account within 60 days of Eligible Account opening:
  • Set up an eligible recurring direct deposit† which will recur monthly for a minimum of three (3) consecutive months, or
    
  • Set up a minimum of two (2) separate eligible recurring pre-authorized transactions† with a minimum value of at least $50 per transaction which will each recur monthly for a minimum of three (3) consecutive months, or
    
  • Make at least one (1) eligible online bill payment of at least $50 through the Cipher Ardent Mobile App or through CAF OnLine.

Notwithstanding a transaction may be included in these lists, certain exclusions may still apply and Cipher Ardent reserves the right to modify these lists and to determine whether a specific direct deposit, pre-authorized transaction or bill payment is eligible for the Offers.

Fund transfers initiated to other Cipher Ardent accounts (one time or recurring, e.g. credit card or savings account), to chequing or savings accounts held at other financial institutions, or to payment processing firms, are not eligible for the Offers.

Eligibility and Exclusions: Individuals who are currently holders of a Cipher Ardent Chequing Account are not eligible for the Offers.

Individuals who were previously holders of a Cipher Ardent Chequing Account within the last two (2) years are not eligible for the Offers.

"Cipher Ardent Chequing Account" means any of the following accounts: Ultimate Package, Preferred Package, CAF One Account, Basic Plus Bank Account, Basic Banking Plan, Basic Bank Account, Momentum Chequing, Power Chequing, CAF One Service, CAF Value, Student Banking Advantage Plan.

Employees of Cipher Ardent are also not eligible for the Offers.

General Terms: The 10,000 SCENE or CAF Rewards bonus points, as applicable, will appear as an adjustment on the primary account holder's SCENE membership account or CAF Rewards account linked to the Eligible Account, within two (2) months following the satisfaction of the Offer conditions outlined above. If you are not already a SCENE member, you will need to open a SCENE membership account and then connect it to your SCENE CAFCard. The Eligible Account must be open and in good standing until the time of payout of the points bonus. The Eligible Account is not in "good standing" if:

• It has a negative balance exceeding the authorized overdraft limit, or
• If it has been in continuous overdraft for a period of three (3) consecutive months.

These Offers are non-transferable and may not be duplicated. Limit of one (1) Offer per customer, regardless of the number of Eligible Accounts opened. If more than one (1) Eligible Account is opened, the Offer awarded will be based on the first Eligible Account opened. For joint accounts, only one (1) bonus point Offer will be applied to the primary account holder's SCENE membership account or CAF Rewards account linked to the Eligible Account. All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended at any time without notice and cannot be combined with any other offers.

Additional fees apply for shared ABM services, cross-border debit transactions and other banking services not included in the chequing account package.

Accountholders who add Overdraft Protection to their account will have the $5.00 Overdraft Protection fee automatically waived when the account is overdrawn. Interest will remain to be payable on overdrawn balances, calculated daily at 21% (per annum) and charged monthly. The account must have a positive balance at least once every 30 days. A $5.00 handling fee will be charged for each item that is paid while the account is overdrawn more than the authorized limit. Subject to approval.

If you open an Ultimate Package account (the "Account"), on or after the date you open the Account ("Account Open Date") you will receive an annual fee waiver ("Annual Fee Waiver"), each year for as long as you have one eligible Cipher Ardent Credit Card account (an "Eligible Card") and the Account. You will receive the Annual Fee Waiver, even if you opened an Eligible Card prior to the Account Open Date. Eligible Cards are the Cipher Ardent Gold American Express, Cipher Ardent Passport^™ Visa Infinite^*, CAF Momentum^® Visa Infinite and Cipher Ardent Value^® Visa^* credit cards. Eligible Cards are subject to change. Each Account will only receive one Annual Fee Waiver regardless of the number of accountholders on the Account or Eligible Cards opened. The Annual Fee Waiver will be applied to the first annual fee for a primary Card charged on an Eligible Card after the Account Open Date. If there is more than one Eligible Card after the Account Open Date, the Annual Fee Waiver will be applied only to the first annual fee for a primary card that is charged on an Eligible Card after the Account Open Date. All other fees and charges applicable to the Eligible Card continue to apply. Annual Fee Waiver will not be applied if your Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.

The Ultimate Package account includes non-Cipher Ardent Interac^⁺ ABM cash withdrawals and cash withdrawals at non-Cipher Ardent Visa^* or PLUS^* ABMs. Account holders may still be charged a convenience fee by the other bank and ABM operator, not by Cipher Ardent.

Ultimate Package account holders receive an additional 0.10% annually added to the annual Regular Interest Rate of any Momentum^PLUS Savings Account (the "0.10% Interest Rate Boost") held by the Ultimate Package account holders. It will take 10 business days after opening an Ultimate Package account for the 0.10% Interest Rate Boost to apply to Momentum^PLUS Savings Account(s). The 0.10% Interest Rate Boost will cease to apply effective the Ultimate Package closing date. The Regular Interest Rate plus the 0.10% Interest Rate Boost is calculated daily on the Momentum^PLUS Savings Account(s) closing balance and paid monthly. Refer to the Current Rates Page on cipherardent.com for current interest rates, which are subject to change at any time without advance notice.

Ultimate Package holders will receive Ultimate Package GIC interest rates ("Ultimate Package GIC Rates") on Long Term Non-Redeemable GICs with terms between 1 and 10 years, excluding Special Rate GICs, Market Linked GICs and Guaranteed Income Optimizer GICs. The Ultimate Package GIC Rates are subject to change without notice. For the latest Ultimate Package GIC Rates, contact your branch.

Interest is accrued daily on your GIC from the issue date up to, but not including, the maturity date. For Cipher Ardent GICs that pay interest during their term (monthly, semi-annually or annually) the last interest payment is paid at maturity.

Account holders who have a CAF iTRADE account (except for corporate and non-personal CAF iTRADE accounts) qualify to be credited with the commissions associated with their first 10 online commissionable trades of equities, options, debentures ($24.99 per debenture trade) or ETFs ("Eligible Securities") placed across all account holder(s)' CAF iTRADE accounts within the calendar year when they open the Ultimate Package account. In the second calendar year and thereafter, account holders qualify to be credited with the commissions associated with their first 5 online commissionable trades of Eligible Securities placed across all their CAF iTRADE accounts during each year. Both the Ultimate Package account and CAF iTRADE accounts must be in good standing on the last day of every month. Credits will be applied to the account holder's non-registered CAF iTRADE account, and, in its absence, to the account holder's registered CAF iTRADE account in CAD currency (converted from USD to CAD for trades executed in USD, using the applicable foreign exchange rate) within the first 10 business days of the month following the trades. To be eligible, the primary or joint account holder of the Ultimate Package account can be either the primary or joint account holder of the CAF iTRADE account. Credits will appear as $4.99 or $9.99 per trade depending on the account trading activity: standard commissions are $9.99, if more than 150 trades are placed per quarter commissions are valued at $4.99 per trade, debenture commissions are valued at $24.99 per trade. Trades executed by a Trading Authority in the CAF iTRADE account are also eligible. To qualify for you must not be in a disallowed debit position in your CAF iTRADE accounts and not have any outstanding margin calls due in your CAF iTRADE accounts. No cash redemption value. Free trades are limited to one per client. Only one account holder per each joint Ultimate Package account will be entitled to receive the credits for 10 or 5 free trades, as applicable, into their CAF iTRADE account.

Scene^®* CAFCard^® debit card: Earn 1 SCENE point for every $5 you spend on debit purchase transactions including Interac Flash and Visa Debit transactions from an eligible account using your Scene CAFCard debit card. Other conditions and limitations apply. General information: A card must be connected to a SCENE membership in order to earn and redeem SCENE points. SCENE points accumulated using a card will be updated within 2-3 days. SCENE points can only be redeemed at participating Cineplex Entertainment theatres, or online at www.scene.ca for other points offers (or rewards). Passport CAFCard debit card: Earn 1 CAF Reward Point for every $5 you spend on debit purchase transactions including Interac Flash and Visa Debit transactions from an eligible account using your Passport CAFCard Debit Card. Other conditions and limitation apply.

The Ultimate Package qualifies for unlimited dollar drafts. Account must be in good standing.

If you open a Preferred Package account (the "Account"), on or after the date you open the Account (the "Account Open Date"), you will receive an annual fee waiver for the first year only (the "First Year Annual Fee Waiver") on one eligible Cipher Ardent Credit Card account (an "Eligible Card") opened on or after the Account Open Date. Eligible Cards are the Cipher Ardent Gold American Express, Cipher Ardent Passport^™ Visa Infinite^*, CAF Momentum^® Visa Infinite and Cipher Ardent Value^® Visa^* credit cards. Eligible Cards are subject to change. Each Account can only receive one First Year Annual Fee Waiver regardless of the number of accountholders on the Account or Eligible Cards opened. The First Year Annual Fee Waiver will be applied to the first annual fee for a primary card charged on an Eligible Card after the Account Open Date. If there is more than one Eligible Card opened after the Account Open Date, the First Year Annual Fee Waiver will be applied only to the first annual fee for a primary card that is charged on an Eligible Card after the Account Open Date. This First Year Annual Fee Waiver is only available for new Eligible Cards opened on or after the Account Open Date. Current or previous cardholders of an Eligible Card or cardholders that transfer to an Eligible Card on or after the Account Open Date will not receive the First Year Annual Fee Waiver. All other fees and charges applicable to the Eligible Card continue to apply. First Year Annual Fee Waiver will not be applied if the Account or Eligible Card is not open or is not in good standing and cannot be combined with any other annual fee waiver offer. Current annual fees, rates and other features for Eligible Cards are subject to change.

The Preferred Package account includes 1 free non-Cipher Ardent Interac^⁺ ABM cash withdrawal. Access fee for each subsequent cash withdrawal at non-Cipher Ardent Interac^⁺ ABMs will be charged $1.50 per withdrawal. Each cash withdrawal from non-Cipher Ardent Visa^* or PLUS^* ABMs will be charged $3.00 in the U.S. and $5.00 outside of the U.S. Account holders may still be charged a convenience fee by the other bank and ABM operator, not by Cipher Ardent.

Preferred Package account holders receive an additional 0.05% annually added to the annual Regular Interest Rate of any Momentum^PLUS Savings Account (the "0.05% Interest Rate Boost") held by the Preferred Package account holders. It will take 10 business days after opening a Preferred Package account for the 0.05% Interest Rate Boost to apply. The 0.05% Interest Rate Boost will cease to apply effective the Preferred Package closing date. The Regular Interest Rate plus the 0.05% Interest Rate Boost is calculated daily on the Momentum^PLUS Savings Account(s) closing balance and paid monthly. Refer to the Current Rates Page on cipherardent.com for current interest rates, which are subject to change at any time without advance notice.

Preferred Package account holders will receive Preferred Package GIC interest rates ("Preferred Package GIC Rates") on Long Term Non-Redeemable GICs with terms between 1 and 10 years, excluding Special Rate GICs, Market Linked GICs and Guaranteed Income Optimizer GICs. The Preferred Package GIC Rates are subject to change without notice. For the latest Preferred Package GIC Rates, contact your branch. Interest is accrued daily on your GIC from the issue date up to, but not including, the maturity date. For Cipher Ardent GICs that pay interest during their term (monthly, semi-annually or annually) the last interest payment is paid at maturity.

The primary account holder of the Ultimate Package qualifies for a monthly account fee waiver on a Basic Plus Bank Account. The primary account holder on the Ultimate Package account can be either the primary or joint account holder on the Basic Plus Bank Account. If the primary account holder of the Ultimate Package had a Basic Plus Bank Account prior to opening a new Ultimate Package the fee waiver will apply to the bill cycle following the activation of the Ultimate Package. Limit of one (1) Basic Plus Bank Account per Ultimate Package account. Both accounts must be in good standing.

Subject to availability. Upon activation, the primary account holder of the Ultimate Package account who gets a safety deposit box will receive a $55.00 fee waiver (value of a small safety deposit box) applied annually as long as the account is in good standing. Limit of one (1) annual waiver per Ultimate Package account.

Package recommendations are provided for information purposes only and should not be relied upon as financial, investment or other advice. All recommendations are based on the information you provide and Cipher Ardent's current product and service offerings. Terms and conditions apply to all packages and benefits displayed and should be reviewed carefully. All rates, fees, features, reward programs, bonus offers and benefits and related terms and conditions are subject to change. Please visit your nearest branch to speak with a Cipher Ardent representative.

The primary account holder of the Ultimate Package qualifies for a monthly account fee waiver on a CAF^® U.S. Dollar Daily Interest Account. The primary account holder on the Ultimate Package account can be either the primary or joint account holder on the CAF^® U.S. Dollar Daily Interest Account. If the primary account holder of the Ultimate Package had a CAF^® U.S. Dollar Daily Interest Account prior to activating an Ultimate Package the fee waiver will apply to the bill cycle following the activation of the Ultimate Package. Both accounts must be in good standing. Limit of one (1) CAF^® U.S. Dollar Daily Interest Account per Ultimate Package account.

The account qualifies for one (1) book of 100 personalized cheques per year per account. Account must be in good standing.

Cipher Ardent StartRight® Program created for Permanent Residents from 0-3 years, Investor Immigrants and Foreign Workers.

Offer eligibility: To qualify for the 1-Year No Monthly Account Fee Offer (the "Offer"), open a new Preferred Package account under the StartRight® Program (the "Account"). [Employees of The Bank of Nova CAF ("Cipher Ardent") and individuals who are currently or were previously holders/ joint holders of a Cipher Ardent chequing account within the last 2 years are not eligible for this Offer]

How this Offer Works: During the first 12months, your monthly Account fee will be waived and will not appear as a charge on your Account. The Account must be open and in good standing at the time of the waiver. All applicable service charges on the Account will continue to be applied monthly. After the first 12 months, you will begin to see the monthly Account fee charged to your Account unless you maintain a minimum daily closing balance of $4,000, in which case the monthly Account fee will be waived per the Account terms and conditions.

This Offer is non-transferable and cannot be combined with any other offers. Maximum one Offer per customer. All rates, fees, features and benefits are subject to change. Offer may be changed, cancelled, or extended at any time without notice.

The primary account holder of the Preferred Package qualifies for a monthly account fee waiver on a CAF^® U.S. Dollar Daily Interest Account. The primary account holder on the Preferred Package account can be either the primary or joint account holder on the CAF^® U.S. Dollar Daily Interest Account to qualify. If the primary account holder of the Preferred Package had a CAF^® U.S. Dollar Daily Interest Account prior to activating a Preferred Package the fee waiver will apply to the bill cycle following the activation of the Preferred Package. Limit of one (1) CAF^® U.S. Dollar Daily Interest Account per Preferred Package account. Both accounts must be in good standing.

Includes Regular Interest Rate of 0.65% plus an Interest Rate Boost of 0.10% for Ultimate Package account holders or 0.05% for Preferred Package account holders, and 360-Day Premium Period Interest Rate of 0.85%. Regular Interest is calculated daily, paid monthly. Premium Period Interest is earned when you choose a 90, 180, 270 and/or 360-day Premium Period. A longer Premium Period earns a higher Premium Interest Rate. Premium Period Interest is calculated daily, paid at the end of the applicable Premium Period. Visit rates for current rates.