Tangerine Rewards World Elite®* Mastercard®* Review

Annual Interest Rates: The annual interest rate on Purchases and Cash Advances (including Balance Transfers) is 19.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 24.95% will apply to your Account on Purchases and Cash Advances (including Balance Transfers).

Other Fees and Rates: These fees are charged on the day the transaction occurs (unless otherwise indicated): Cash Advance: $3.50 within Canada, $5 outside of Canada; Balance Transfer: 3% or minimum of $5 (unless reduced or waived) of the amount transferred when it is posted to your Account. Dishonoured Payment: $25; Rush Card: $25; Over-Limit: $25 (maximum one Over-Limit charge per monthly statement period); Past Statement Reprint: $5 per past statement. There is no charge for a reprint of your current monthly statement. Foreign Currency Conversion: When the converted transaction amount gets posted to your Account, we'll add a foreign currency conversion fee of 2.50% to the converted transaction amount.

See your Information Box in the application for full details or visit Tangerine.ca/CreditCardLegal. Rates and fees are subject to change.

ˆCertain terms, conditions and exclusions apply. For full Mastercard World Benefit terms, visit mastercard.ca/world. For additional terms applicable to Boingo Wi-Fi for Mastercard, visit www.boingo.com/legal/end-user-license-agreement-boingo-customer-agreement/. For additional terms applicable to Mastercard Travel Rewards, visit mtr.mastercardservices.com/en/tnc. All Mastercard World Benefits are provided by Mastercard International or its affiliates or other third parties. Tangerine Bank is not responsible for any Mastercard World Benefits.

**Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee)

A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the “Promotional Rate Period”). To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the Balance Transfer transaction will not be processed. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate of 22.95% will apply to that amount. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. We don’t charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance), by the Payment Due Date on your statement. This means you will pay interest on new purchases that appear on your statement for the first time unless we receive payment of your entire balance each month by the payment due date. For example, if you do a promotional (or non-promotional) balance transfer for $7,000 and spend $500 in new purchases during the same statement cycle, we must receive payment of the entire balance of $7,500 on or before your payment due date to avoid paying interest on your new purchases that month of $500. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Tangerine Credit Card Cardholder Agreement for more information about how we apply payments to your Account

Promotional Offer: *Savings and reward potential in first 12 months includes current welcome offer value, annual point bonus and airport lounge savings as of February 3, 2026

$300 in Scene+ points (30,000 bonus Scene+ points) for new clients who spend $3,000 in Net Purchases within the first 3 months

$100 in Scene+ points (10,000 bonus Scene+ points) when you spend $30,000 annually on your Account each year (12-months)

CAD$200/USD$148 worth of lounge passes annually (4 passes valued at USD$37/CAD$50 per pass). Currency conversion as of February 3, 2026.

Potential First Year Value = up to $600

Actual offers, savings and rewards earned will depend on individual card usage and eligibility for applicable offers which are subject to change. Conditions apply.

1 The 30,000 Bonus Scene+ Points Offer (the "Offer") is only available to new Tangerine Rewards World Elite Mastercard account holders who (i) have not been Primary Cardholders of this card previously (ii) apply for a Tangerine Rewards World Elite Mastercard (“Account”) by October 30, 2026, and (iii) have a total of $3,000 in total Net Purchases posted to their Account within the 90-day period beginning on the date the Account is opened (“Offer Period”). “Net Purchases” are purchases charged to the Account (less any refunds, returns or other similar credits) but do not include payments, Cash Advances (including Balance Transfers and Cash-Like Transactions), interest, fees, insurance premiums, adjustments or other charges. We reserve the right to reverse any points you received after fulfillment of this Offer if it is determined that you do not meet any Offer condition including any returns, refunds or other similar credits. Net Purchases of both the Primary Cardholder and their Authorized user count towards the $3,000 spend requirement. The 30,000 Scene+ point bonus (“Bonus”) will be credited to the Scene+ membership account linked to the Primary Cardholder's Scene+ membership Account approximately 2-3 business days after the spend requirement has been met provided all Offer conditions have been met and the Account is open and in Good Standing at the time of payout. Your Account is in Good Standing if it is not more than one (1) monthly statement period past due and is not closed, charged off, or in credit revoked status, all according to our credit risk policies that may change from time to time. If a Client does not meet the minimum Net Purchases dollar amount required within the promotional period, they will not receive any Scene+ points under this Offer Limit of one Offer per eligible Client. This Offer is non-transferable and may not be combined with any other credit card offers. Offer may be changed, cancelled or extended at any time. All other Account terms, including the Scene+ Rewards program terms, remain unchanged and continue to apply. See the (Cardholder Agreement) for more details, including definitions of any capitalized terms Tangerine Annual Spend Reward Conditions: As a Tangerine Rewards World Elite Mastercard credit cardholder you can earn an annual Scene+ point bonus of 10,000 Scene+ points (the “Annual Spend Reward”) when you make at least $30,000 in Net Purchases annually on your Account (12-months). Annual period starts from the Account open date and resets every 12 months thereafter. If you switch credit cards, the date you submit the request for a product change (the “Product Change Date”) will be applied as the reset date for the Annual Spend Reward, instead of the original Account open date. Purchases made prior to the Product Change Date on your previous card will not count as Net Purchases towards the Annual Spend Reward. “Net Purchases” means purchases (less any refunds, returns or other similar credits) but does not include payments, cash advances (including balance transfers or cash-like transactions), interest, fees or other charges. We reserve the right to reverse any points you received after fulfillment of the Annual Spend Reward if it is determined that you do not meet any condition including returns, refunds or other similar credits. Net Purchases of both the Primary Cardholder and their Authorized user count towards the $30,000 spend requirement. The Annual Spend Reward will be credited to the Scene+ membership account linked to the Primary Cardholder's Account approximately 3 days after the annual spend requirement has been met provided the Account is open and in Good Standing at the time of payout. Your Account is in “Good Standing” if it is not more than one (1) monthly statement period past due and is not closed, charged off, or in credit revoked status, all according to our credit risk policies that may change from time to time. The Annual Spend Reward or related terms and conditions may be changed, cancelled or extended at any time. All other Account terms, including the Scene+ Rewards Program terms, remain unchanged and continue to apply. See the Cardholder Agreement for more details, including definitions of any capitalized terms

2 Lounge Pass: 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-conditionsopens in a new tab

3 Earn Rates: 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.

4 Fuel: *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

5 Valid for eligible Mastercard World, World Elite and World Legend credit cardholders in select countries. See full terms and conditions at https://mtr.mastercardservices.com/en/chtnc.

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

7 The Scene+ Travel website and call center are owned and operated by Expedia Group, a third-party travel service provider (the “Scene+ Travel Partner”). To earn or redeem Points, travel must be booked through the Scene+ Travel website or Scene+ Travel call centre. Travel booked via the Scene+ Travel call centre may be subject to a booking fee. Prices are in Canadian dollars unless otherwise specified. Prices and points requirement are available on the website, and subject to change. The Scene+ Travel Partner may impose terms and conditions that supplement the ‘Additional Terms and Conditions for Scene+ Travel’ included in the Scene+ Program Terms and Conditions. Scene LP and its owners are not responsible for the products and services made available to you by third parties.

Earning Scene+ Points for Scene+ Travel purchases: Scene+ points are earned on eligible travel and Things to Do purchased through Scene+ Travel website or call centre (collectively “Scene+ Travel)”. Scene+ Points are earned on the total value of Things to do, hotel or car rental booking purchases (including taxes and fees) made through Scene+ Travel regardless of the payment method used for the purchase (Scene+ points redemption and/or payment card purchases). Points earned will be added to your Scene+ account within six weeks from the completion of your travel itinerary.

Paying for your eligible Scene+ Travel purchase: Points may be redeemed for the entire amount of the things to do, flight, hotel or car rental booking purchases (including taxes and fees), or redeemed in part with the remaining balance paid by an available payment card. Additional Scene+ Travel Program Terms and Conditions. Click here for details.

8 Terms, conditions and limitations apply. See priceless.com/themastercardcollection for additional benefit details.

9 Ticket offers, preferred seating and discounts subject to availability. Some exclusions, terms and conditions apply.

10 Eligible Mastercard* cardholders who are new subscribers** of Fubo will receive a C$30 discount on Fubo Canada Sports quarterly plan when they pay with their Eligible Mastercard. Offer not available to Quebec-based cardholders. The offer is valid one time only. Each eligible World and World Elite cardholder will receive the C$30 discount on his or her first payment only (total first quarterly payment with discount applied will be equal to C$49.97*** + applicable taxes) and thereafter, the quarterly subscription will automatically renew at a cost of C$79.97*** per quarter + applicable taxes until cancellation. To access the offer and subscribe to a Fubo Sports Quarterly plan, you must register at https://fubo.tv/stream/ca/mastercardopens in a new tab. The $30 discount on the Sports Quarterly plan will be deducted from the cost of the plan at the time of checkout. Additional taxes may be applied.

Additional terms and conditions apply. Your subscription is subject to Fubo’s Terms of Service and Privacy Policy available at: Fubo Terms of Service. Terms, conditions, subscription pricing, features, programming, and service and support options subject to change without notice. You can cancel your subscription through your Account Page at any time before renewal, visit Fubo TV website (My Account). In the event of cancellation, no credits or refunds will be provided for subscription fees already paid. Mastercard and Fubo reserve the rights to modify or end this offer at any time and for any reason, without notice.

Neither Mastercard or any participating financial institution card issuer has any involvement in or responsibility for the provision of any Fubo subscriptions, products, or services, and are not responsible for any arising claims or damages.

*The following cards issued in Canada: World Mastercard, World Elite Mastercard, and Muse by Mastercard if eligible. Check here for eligibility: https://fubo.tv/stream/ca/mastercardopens in a new tab. Offer not available to Quebec-based cardholders.

**A “new subscriber” eligible for the one-time C$30 discount is someone who has not registered for Fubo services previously as determined solely by Fubo. Subscribers who have a subscription to Fubo services would not be eligible to redeem this offer.

*** Price subject to change. Visit checkout page or My Account page for current subscription price.

11 Offer available from October 1 2024 until September 30, 2026. Offer valid only for eligible Mastercard cardholders on the purchase of one individual or coupled tax Online Tax Service and Assisted Tax Preparation. At participating locations only. Some conditions may apply. Applicable tax extra. Payment must be completed with the cardholder’s eligible Mastercard. Applicable discount will be deducted at time of checkout before taxes are applied. Offer valid only on the purchase of a paid version of the current year and does not apply to add-ons available. Cannot be applied to past transactions or previous version of the tax software. No cash surrender or other value. May not be combined with any other discount offer. Additional terms and conditions apply, please visit: https://www.hrblock.ca/legal/terms-conditions/hr-block-software-terms-conditionsopens in a new tab. Terms, conditions, pricing, features, and service and support options subject to change without notice. Mastercard and HRBC reserves the right to modify or end this offer at any time, without notice. Conditions apply. HRBC Products and Services are not provided by Mastercard. By purchasing HRBC Products and Services, the client agrees that the legal relationship will be with HRBC and not Mastercard. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement in or responsibility for the provision of any HRBC Subscriptions, Products, or Services, and are not responsible for any claims or damages arising thereof.

12 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/opens in a new tab. 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/canadaopens in a new tab.

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

13

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.’