¹ You are awarded one and half (1.5) Scene+ Points for every eligible $1.00 in eligible purchases charged and posted to the Tangerine Rewards World Elite Mastercard Credit Card Account (the “Credit Card Account”) in three (3) accelerated categories of your choice (the “Accelerated Earn Rate”) as more particularly described the “Additional Terms and Conditions for Tangerine Mastercard Credit Cardholders” in the Scene+ Program General Terms and Conditions

Changing and Selecting Your Accelerated Earn Rate Categories: You will choose either three (3) Accelerated Earn Rate Categories (as described in the above Additional Terms and Conditions for Tangerine Mastercard Credit Cardholders) for your Account. Visit tangerine.ca (“Manage Rewards”) for more details on how to select your Accelerated Earn Rate Categories and how to change them after such selection to review the history of changes to your Credit Card Account, log in at tangerine.ca and go to “Manage Rewards”.

The Accelerated Earn Rate purchases are those purchases identified further under the “Merchant Classifications” as set out in the Additional Terms and Conditions.

Regular Earn Rate: You are awarded one (1) Scene+ Point for every $1.00 in all other purchases of goods and services charged to the Account (the “Regular Earn Rate”).

Merchant Classifications: You will earn the Accelerated Earn Rates on purchases made on your account at merchants classified in the Mastercard credit card network with a Merchant Category Code (“MCC”) in the MCC categories listed below (the “Accelerated Rate Earn Rate Purchases”) as set out in more detail in the Additional Terms and Conditions relating to the various merchants and MCCs as outlined therein in addition to your Foreign Currency Spend category and Recurring Bill Payment category as more particularly also described in the Additional Terms and Conditions.

• MCCS are set by the Mastercard payment network associated with your Account and must be recognized by Tangerine’s system as set out in the Scene+ Program terms and conditions. MCC are subject to change.

Purchases at merchants where the Accelerated Earn Rate categories are not their primary business do not qualify. Some merchants may sell other products/services or are separate merchants who are located on the premises of these merchants, but are classified by the credit card network in another manner that may not be classified with an MCC under the Accelerated Earn Rate categories and such purchases will not earn the Accelerated Earn Rates on the Account as applicable.

Eligibility: Only purchases earn Scene+ Points. Cash advances (including Balance Transfers, and Cash-Like Transactions), fees, interest or other charges, returns, refunds or other similar credits to your Account do not qualify for Scene+ Points.

Scene+ Points will not be posted to an Account that is not in good standing when purchases are made or when a statement is issued, or if the Account is not open when a statement is issued. 

See your Scene+ Points terms at tangerine.ca/sceneplus including the Additional Terms and Conditions for full program details.

All dollar amounts are in Canadian currency unless otherwise stated.

² Tangerine Credit Cardholders with a Scene+ membership who link their Credit Card and their Scene+ account to a Shell Go+ Account can get up to 8 cents per litre in instant fuel discounts, Tangerine Money-Back Rewards, and Scene+ rewards value when they purchase fuel with their linked Tangerine Credit Card:

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations when you use any Tangerine Credit Card linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Tangerine Credit Card Account. This total limit resets at the start of each new month per Credit Card Account. This discount is subject to the Tangerine Fuel Benefit Terms and Conditions.

• Earn up to 3 cents per Litre in Cash Back Rewards: When you use your Tangerine Credit Card on Fuel Purchases (All Grades), if you have Gas selected as one of your 2% Money-Back categories you will earn 2% cashback on all eligible Net Purchases made at merchants classified as “Service Stations” by the payment network (which are subject to change), excluding fuel purchases that are not for retail or for automobiles. Assumes an average fuel price of at least $1.50/L. Net Purchases means purchases of goods and services charged to your Credit Card Account, less all returns, merchant credits and adjustments. Balance Transfers, Cash Advances, Cash-Like Transactions, interest charges, fees, and insurance premiums posted to your Credit Card Account are not eligible to earn Money-Back Rewards. This benefit is subject to the Tangerine Money-Back Rewards Program Terms and Conditions.

• Scene+ Members earn up to 2 cents per Litre in Scene+ Rewards Value: Scene+ Members earn 1 Scene+ point for each litre in Fuel Purchases (All Grades) when they present or make available their Scene+ account number or Scene+ membership card at the time of purchase. Plus, Scene+ Members who link their Scene+ account to the Shell Go+ app will automatically earn 2 Scene+ points for each litre of V-Power® gasoline or V-Power® diesel purchased (“Premium Fuel Purchases”). Scene+ Rewards value is based on an average redemption value of $10 for every 1000 Scene+ points redeemed on fuel purchases. Actual value may be lower depending on how you choose to redeem your Scene+ points. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Highest value of 8 cents per litre assumes a Premium Fuel Purchase (minimum price of $1.50 per litre) made with a Tangerine Credit Card that has Gas selected as a 2% Money-Back Category and is linked to a Shell Go+ Account and who have a Scene+ account also linked to the Shell Go+ account. Actual value will be lower depending on whether or not the Credit Card is linked, selected 2% Money-Back Categories, fuel grade purchased, Scene+ membership status and how you choose to redeem your Scene+ points.

³ Get up to 7 cents per litre in instant fuel discounts for a limited time and earn up to 3 cents per litre in Scene+ rewards value with an eligible Tangerine payment card linked to a Shell Go+ Account:

• Instant 3 cents per Litre Discount on Fuel Purchases (All Grades): Receive an instant 3 cents per litre discount on purchases of fuel (all grades) (“Fuel Purchases (All Grades)”) at participating Shell locations in Canada when you use any eligible Tangerine credit card, linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per Tangerine credit card account. This total limit resets at the start of each new month per account. This discount is subject to the Tangerine Fuel Benefit Terms and Conditions.

• Instant 4 cents per Litre Discount on Premium Fuel: Between March 6, 2026 and March 6, 2027 (“Promotional Period”), receive an instant 4 cents per litre discount on purchases of V-Power^® gasoline, or V-Power^® diesel (“Premium Fuel Purchases”) at participating Shell locations in Canada when you use any eligible Tangerine credit card that earns Scene+ points linked to a Shell Go+ Account, up to a maximum of 1,000 litres per month per credit card account. This total limit resets at the start of each new month per credit card account. This promotional offer, including the Promotional Period, may be changed, extended, or withdrawn at any time without notice. These promotional offer terms are in addition to the Tangerine Fuel Benefit Terms and Conditions.

• Earn up to 3 cents per Litre in Scene+ Rewards Value (Equivalent) on Fuel Purchases: Each time you use your linked Tangerine credit card that earns Scene+ points on Fuel Purchases (All Grades) at participating Shell locations in Canada, you will earn at least 1 Scene+ point per $1 spent. Plus, as a Scene+ Member you will also automatically earn 1 Scene+ point for each litre in Fuel Purchases (All Grades), and as a Shell Go+ member, automatically earn 1 additional Scene+ point for each litre in Premium Fuel Purchases, made with your linked Tangerine credit card. This means that for every litre in fuel purchased with your linked credit card, you can earn the equivalent of up to 3 cents of redeemable Scene+ Rewards value based on a redemption value of $10 for every 1,000 Scene+ points redeemed for fuel purchases at participating Shell Locations. Actual value may be lower depending on how you choose to redeem your Scene+ points. See the Scene+ Program Terms and Conditions available at sceneplus.ca/terms-and-conditions for full details including redemption options and additional terms.

Note: Value of 10 cents per litre assumes a Premium Fuel Purchase made with a Tangerine credit card that earns Scene+ points linked to a Shell Go+ Account. Actual value may be lower depending on payment card used and whether or not the card is linked, fuel grade purchased, and how you choose to redeem your Scene+ points.

⁴ In addition to Tangerine’s credit approval criteria, new applicants for the Tangerine^® Rewards World Elite Mastercard^®* Account must meet one of the following minimum criteria: $80,000 gross annual income, $150,000 gross household income, or $400,000 in Tangerine Savings Accounts(s) and/or Investment Fund Accounts(s).

⁵ Cardholders with a valid Tangerine Rewards World Elite Mastercard Card account (the “Account”) have access to participating lounges within Mastercard Travel Pass (“Program”), hosted and managed by DragonPass International Ltd. Each eligible cardholder on an Account is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a cardholder on the Account). Cardholders must enroll for this benefit through the Mastercard Program Website (https://mastercardtravelpass.dragonpass.com/register) using a valid card on the Account. Upon enrollment, 4 complimentary lounge visits will be available for the Cardholder on the Account per membership year; the complimentary visits can be used by any cardholder on the Account for themselves and for their accompanying guests at participating lounges (however, Cardholder must be present for each such use). Lounge visits are counted on a per person per visit basis (e.g. lounge access by a cardholder, and one accompanying guest will count as two (2) visits). All additional visits beyond complimentary visits are subject to a fee of $32 USD (subject to change) per person per visit.

To view a full list of participating DragonPass Airport Lounges, their facilities, opening times and restrictions, cardholders can visit airport.mastercard.com. By using this benefit, you agree to all of DragonPass terms and conditions, including privacy and security policies available at mastercardtravelpass.dragonpass.com. These policies may be amended or updated at any time and without notice.

Tangerine Bank (“Tangerine”) reserves the right to modify or cancel this benefit at any time and without notice, even after you have enrolled in Mastercard Travel Pass.

Mastercard Travel Pass, DragonPass Airport Lounges and associated services or benefits are provided by DragonPass. Tangerine is not responsible for any claims or damages arising from the use of the Mastercard Travel Pass or the DragonPass Airport Lounges services or associated passes.

Certain terms, conditions and exclusions apply. For full details, please visit: https://mastercardtravelpass.dragonpass.com/terms-and-conditions

⁶ Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC). ABIC, ABLAC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant^®. Assurant is a registered trademark of Assurant, Inc. Coverage is subject to eligibility, limitations and exclusions.

For details of the coverage, including definitions and benefits, refer to the Certificate of Insurance provided with the card.

⁷ Valid from 10/01/2024 and can be redeemed once per calendar year. Eligible World Mastercard cardholders can redeem a FlexiRoam eSIM and a 1GB of global^** data roaming, and Mastercard World Elite cardholders can redeem a FlexiRoam eSIM and a 3GB of global^** data roaming plan at no additional cost by using your eligible Mastercard payment card (the "Program Benefit"). Eligible cardholders will need to register by creating a FlexiRoam account. To determine eligibility, enter your full 16-digit Mastercard card number when prompted in the FlexiRoam Mobile Application or on the FlexiRoam website. Upon verification of your eligibility, you must complete the full enrollment process to utilize the Program Benefit.

The FlexiRoam eSIM and the 1GB or 3x1GB global data roaming plans must be activated within the calendar year following enrollment and each will be valid for 5 days from the date of activation.

Benefit can only be redeemed once. For subsequent purchases, a 15% discount will be automatically applied.

Terms, conditions, pricing, special features, and service and support options subject to change or cancellation without notice. Mastercard reserves the right to modify or cancel this Program Benefit at any time without notice. In order to redeem the Program Benefit, you acknowledge that you are entering into an agreement with FlexiRoam. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement or responsibility for the provision of any FlexiRoam benefit, subscription, products or services and are not responsible for any claims or damages arising from their use thereof.

This Program Benefit is non-transferable and may be terminated for any breach of the FlexiRoam terms and conditions. The offer cannot be combined with any other FlexiRoam offer. Your use of the Program Benefit is subject to FlexiRoam’s terms and conditions and other applicable legal terms and conditions available at https://www.flexiroam.com/terms-and-conditions. Additional eligibility restrictions, exclusions and terms apply. See full terms and conditions.

^*The following cards issued in Canada: World Mastercard and World Elite Mastercard, if eligible. Check here for eligibility: mastercard.flexiroam.com/canada.

^**Cardholders cannot data roam using FlexiRoam in North Korea, Ukraine, Western Sahara & Tanzania.

⁸ Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. ©2026 Mastercard

The benefits built into your Money-Back World Mastercard^®* complement those provided by Tangerine so you can get even more from your Card – at home or a world away. Learn more about some of the Money-Back World Mastercard^®* benefits and features.

^®* World Elite and Mastercard are registered trademarks of Mastercard International Incorporated.

^® Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank.