hours of receipt. It is important to inspect the delivered parcel upon receipt for any apparent damage, and to save the packing materials for

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1 Terms and Conditions Terms and Conditions for: ScotiaGold Passport VISA* Card, ScotiaGold Passport for business VISA* Card and Scotiabank Rewards VISA* Card. A. Participation Requirements and Use of Personal Information The Scotia Rewards program is automatically available to all ScotiaGold Passport VISA Cardmembers, ScotiaGold Passport for business VISA Cardmembers and Scotiabank Rewards VISA Cardmembers (all three credit cards are hereafter referred to as Program Card unless otherwise specified) with accounts in good standing 4. The program is offered at no extra cost to you, and no application or enrollment is required. As a Scotia Rewards member, you will receive program communications containing updates and special offers as part of the Scotia Rewards program. As a customer of Scotiabank, the Scotiabank Group Privacy Agreement safeguards your privacy. B. Earning Scotia Rewards Points The program is based on a points system. You are awarded one Scotia Rewards point for every $1.00 in purchases of goods and services charged to your ScotiaGold Passport VISA Card account and/or your ScotiaGold Passport for business VISA Card account. You are awarded 1 point per $2.00 in purchases of goods and services charged to your Scotiabank Rewards VISA account. Points are not awarded for cash advances, Scotia Credit Card Cheques, Scotia Rewards Dollars, returns, payments, annual membership or card fees, casinos and gambling, interest charges or service transaction charges 2. Scotia Rewards points will be added to your Program Card account, shortly after a debit transaction has been posted to your account, and will be deducted from the appropriate Program Card account shortly after a credit transaction for returned merchandise has been posted to your account. Scotia Rewards points will not be posted to an account that is not in good standing when card purchases are made or when a monthly statement is issued, or to an account that is not open when the statement is issued. In addition, Scotia Rewards points on your Program Card account will be adjusted shortly after an adjustment for previously billed charges has been posted to your account. Purchases made by authorized supplementary cards will earn points for the account of the principal Cardmember. There will be one set of points for purchases made through all the authorized cards issued on any given account. Every month, your Program Card statement will detail the number of points earned since your previous statement, the balance of points carried forward from a previous statement, the number of points exchanged for rewards or adjusted, and your new points balance. You can also get your points information by registering and logging into scotiarewards.com where your points balance will be updated daily. Cardmembers who redeem Scotia Rewards points are responsible for declaring the total value of the merchandise (including Gift Cards and Scotia Rewards Dollars), travel or charity rewards received to the appropriate tax authorities. C. Point Transferring Scotia Rewards points are non-transferable from one Program Card account to another person s account. However, as a borrower or co-borrower, if you have more than one of the Program Card accounts, you may transfer the accumulated points between your accounts, provided your accounts are in good standing 4 and the Cardmember s name and address are the same on the accounts. A borrower or co-borrower can also set up an automated transfer of points such that the point balance is automatically transferred from one Program Card to the other on a daily basis. All lending requirements must be up to date and not be delinquent or over limit. Supplementary Cardmembers CANNOT combine or redeem points on the Program Card accounts to which they are attached. Cardmembers must go to or contact in order to transfer points for redemption. Upon the death of a borrower or co-borrower, and after verification and confirmation by a Scotiabank branch, the surviving borrower or co-borrower or in the absence of a surviving borrower or co-borrower, the estate can redeem the outstanding points within 60 days of closure of the account(s) 5, provided the account(s) is in good standing 4, after which the unredeemed points will be deleted permanently. Redemptions for Luxury Retailers for the ScotiaGold Passport VISA accounts or ScotiaGold Passport for business VISA accounts will not be accepted on closed accounts. For joint accounts, the co-borrower could redeem the points within 60 days of the closure of the account(s), provided the account(s) is in good standing 4, or request the transfer of points to a new Program Card account, provided the account(s) is in good standing 4. D. Reward Redemption for Closed Accounts Should you decide to cancel your Program Card account, you may redeem any unused Scotia Rewards points within 60 days of closing your account(s), provided your account(s) is in good standing 4. When your account has been closed, you will not be able to use it to redeem for travel rewards using the Points Plus Card option or the Card Only option, as the cancelled Program Card is no longer valid to be used for payment. No other credit card will be accepted. Redemptions for Luxury Retailers for the ScotiaGold Passport VISA accounts or ScotiaGold Passport for business VISA accounts will not be accepted on closed accounts. After 60 days, all unredeemed points will be deleted permanently. Points accumulated on an account that is not in good standing 4 will not be eligible for redemption. E. Rewards Availability All reward items shown in the Scotia Rewards Catalogue are subject to availability. If the ordered item has been discontinued, a similar item of equal value will be substituted whenever possible. If a suitable substitution is not available, the Scotia Rewards points used will be credited back to the appropriate Program Card account, and you will be contacted and advised to make another selection. If an item is temporarily out of stock, you will be notified and advised of the anticipated delivery date. The items received may not be exactly as illustrated in the Catalogue or website, due to the fact that manufacturers sometimes change models or the displayed articles are in limited quantities. F. Non-Travel Rewards You may redeem your Scotia Rewards points for merchandise, gift cards, Prepaid VISA Cards, Scotia Rewards Dollars and Precious Metals with the Points Only option. Points accumulated on an account that is not in good standing 4 will not be eligible for redemption. Allow 4 to 6 weeks for delivery. All rewards are delivered to Canadian street addresses only. Rewards will not be delivered to a P.O. Box, U.S. address or International address. The Bank and the Scotia Rewards Centre are not responsible for any merchandise, Gift Cards or Scotia Rewards Dollars that are lost or stolen after delivery. 1. Merchandise Merchandise items will be sent via pre-paid delivery to the address you specify with your order. Please note we do not ship to P.O. Boxes. It may be necessary for you to make appropriate arrangements for receipt. You can track your reward shipment online through the Shipping Tracking Number when you log on to scotiarewards.com and select your Order History. Every attempt will be made to deliver the order as quickly as possible. However, we are not responsible for delays due to a union dispute, postal disruption or any other valid reason. Where applicable, merchandise rewards are delivered with the Manufacturer Warranties and Service Policies. Retain all documents for your records. The Purchase Security and Extended Warranty Protection Plan on the ScotiaGold Passport VISA card and/or your ScotiaGold Passport for business VISA card extend to the Scotia Rewards merchandise under the terms and conditions as outlined in the Certificate of Insurance provided with your card 6. In the event that the item ordered arrives damaged or is missing pieces, please contact the Scotia Rewards Centre immediately at Items will be replaced without charge, if reported to the Scotia Rewards Centre within 48 business

2 hours of receipt. It is important to inspect the delivered parcel upon receipt for any apparent damage, and to save the packing materials for inspection and possible return. If the package is damaged, note the damage on the delivery receipt before you sign for the merchandise. If damage to the ordered item is noticed after opening the packing materials, or if missing parts are noticed, immediately call the Scotia Rewards Centre before you take any action and they will provide instructions for returning the item. 2. Scotiabank VISA Prepaid Card For instructions on how to redeem for Scotiabank VISA Prepaid Cards and to review the Cardholder Agreement, please visit scotiarewards.com. Scotiabank VISA Prepaid Cards are subject to the terms of the Cardholder Agreement. Using the Prepaid Card: You may use your Card only in the manner and for the purposes described in the Cardholder Agreement. Use of the Card is limited to the stored value balance of the Card from time to time. The Card may be used to purchase goods and services at merchants that accept VISA cards as a form of payment. You may not draw on the stored value balance of the Card through the use of cheques. Please note that this card does not allow cash advances from any bank or Automated Banking Machine. You are responsible for all authorized transactions initiated by the use of your Card and for all losses as set out in the Cardholder Agreement. If a negative stored value balance is created in error on your Card following any transaction initiated or authorized by you, you agree to repay the amount of the negative stored value balance to us within ten (10) days of such transaction. Other restrictions to the Prepaid Card are: a. You may not use your Card for any illegal purpose or transaction and any such transaction may be declined; b. You may not make pre-authorized regular payments through the use of your Card; c. You may not use the Card at an Automated Banking Machine; d. You may not add funds to the stored value balance of the Card as only the Card Sponsor may do so; and e. You may use your Card for online transactions and at unattended terminals, however, due to certain security features, we cannot guarantee your Card will be accepted on every website or unattended terminal. We are not liable to you for declining authorization for any particular transaction, regardless of our reason. Cardholder Fees on the Prepaid Card We will charge the following fees to your Card as outlined below: a. Replacement of a lost or stolen Card: $20.00 per replacement card. b. Expiry fee: If there is a balance when the Card expires or is cancelled, a charge will be applied equal to the balance on the Card. c. IVR Call Fee: No charge for the first call. A $0.50 charge will apply for all subsequent calls. d. Customer service call with a live agent: A $2.00 charge will apply for all calls. e. Viewing online stored value balance and transaction history: No charge. Foreign Currency Transactions on the Prepaid Card The stored value balance on the Card is in Canadian currency. Debit and credit vouchers issued in a foreign currency will be converted and posted to your account in Canadian currency. Debit or credit vouchers in a foreign currency are charged or credited to your account at the exchange rate determined by Visa International on our behalf. This exchange rate may be different from the exchange rate in effect on the transaction date. This rate includes an amount equal to 2.5% of the converted amount, applied to both debit and credit transactions. Your Liability for Unauthorized Use or Lost and Stolen Prepaid Cards You will inform us immediately by telephone and in writing about any actual or suspected loss, theft or unauthorized use of your Card. Our toll free number is You agree that we may assume you have authorized all transactions unless you tell us otherwise. If your Card is lost or stolen, you will not be liable for any unauthorized use. If you have previously authorized someone to use your Card, and have subsequently withdrawn your authorization, you will continue to be liable for all debts incurred by their use until they have been surrendered to the Bank. 3. Scotia Rewards Dollars You can redeem your points toward Scotia Rewards Dollars, online through the Scotia Rewards Centre, issued in increments of $100 (minimum order $200). These Scotia Rewards Investment and Credit Dollars may be used as a credit toward Scotia investment or credit products as defined below: Scotia Rewards Investment Dollars Can be used toward the following Scotia investment products only: Scotia Tax-Free Savings Account, Scotia Mutual Funds, Scotia RESPs, Scotia 1-5 year GICs, Scotia Stock-Indexed GICs, as well as most investments available through ScotiaMcLeod and Scotia itrade. You may have to provide a cash balance, in addition to the Scotia Rewards Investment Dollars, in order to meet the minimum requirement of some investments. Scotia Rewards Credit Dollars May be redeemed at any Scotiabank branch by the bearer (not necessarily the Cardmember) as payment toward Scotia Mortgages, Scotia Plan Loans, Scotia VISA accounts, ScotiaLine Personal Lines of Credit and ScotiaLine VISA accounts. Scotia Rewards Dollars may not be used to deposit funds in savings/chequing accounts or cashed at the counter. Scotia Rewards Investment and Credit Dollars must be used in their total face value on one occasion only. All Scotia Rewards Investment and Credit Dollars are subject to expiration as indicated on the front of the Scotia Rewards Dollars. 4. Scotiabank Precious Metals To redeem for Gold Bars and other Precious Metals: i. Purchase your Gold Bars and other Precious Metals at any Scotiabank Branch nearest you; ii. Call Scotia Rewards at for reimbursement; iii. Provide proof of purchase in the amount being used for reimbursement of points by faxing in the stamped Scotiabank branch order form to ; iv. Points will be adjusted immediately; v. Reimbursement on the Program Card(s) will be processed within 5-7 business days of receipt of the fax. All precious metal redemptions can only be made through a Live Agent by calling Scotia Rewards at All precious metals redeemed through the Scotia Rewards Program will be non-refundable and non-exchangeable. A faxed copy of the proof of purchase will be required for full reimbursement. The point value for redemption will be based on the purchase price of the Metal including any administration and/or delivery fees through your Scotiabank Branch.

3 There will be a 5-7 business day turnaround for total reimbursement and point adjustment for the redemption of precious metals. All reimbursements for precious metal redemptions will be credited on your Program Card regardless of method of purchase. When redeeming points towards Gold Bars & Precious Metals, a minimum of 5,000 points must be redeemed. Redemptions for cash back rebate reimbursement rewards i.e. Precious Metals will not be accepted on closed accounts Points value conversion rate: 130 Scotia Rewards points = $1.00 Canadian. 5. Gift Cards Gift Cards will be sent via pre-paid courier delivery to the address you specify with your order. Terms and Conditions of Gift Cards are dictated by gift card issuers (retailers or service providers). 6. Air Canada Maple Leaf * Lounge Pass ScotiaGold Passport VISA Cardmembers and ScotiaGold Passport for business VISA Cardmembers are eligible to redeem Air Canada Maple Leaf Lounge Passes. Valid in the Air Canada Maple Leaf Lounges in North America, Europe and the Air Canada Arrivals Lounge at London Heathrow. Not valid in Star Alliance airport lounges or affiliated lounges operated by other carriers. Valid in conjunction with a confirmed same-day departing ticket for a scheduled flight operated by Air Canada or Air Canada Jazz for travel in North America including Hawaii, Mexico and the Caribbean. Lounge passes are non-refundable and valid for a one-time visit to an Air Canada Maple Leaf Lounge. Lounge passes are transferable to another individual during valid period. Passes valid from: March February months. Passes will be shipped via pre-paid courier delivery to the address you specify with your order. For complete details on how to order, please visit us at scotiarewards.com. For more details and a list of eligible Maple Leaf Lounges, please visit: aircanada. com/lounge. Certain Terms & Conditions apply. 7. Cancellations You may cancel your order on the Scotia Rewards website, as long as your order is Pending. To cancel a pending order: i. Log on to the Scotia Rewards website (scotiarewards.com); ii. Go to your Order History ; iii. Browse through your orders to identify the order you wish to cancel; iv. Click on the trash can icon to cancel your order. If the trash can does not appear, it means that your order has been sent for fulfillment and cannot be cancelled. 8. Returning Non-Travel Rewards If you are not completely satisfied with the item you ordered, you have 30 days from receipt of the item to request a return by contacting the Scotia Rewards Centre for return instructions, prior to returning the item and to ensure you will receive full credit. Merchandise may be returned by contacting the Scotia Rewards Centre within 30 days from receipt of the item (10 days for electronic/audio visual equipment or jewelry). Scotiabank VISA Prepaid Cards and Gift Cards are non-refundable. Please visit scotiarewards.com for additional terms and conditions. Scotia Rewards Credit and Investment Dollars may be returned by contacting the Scotia Rewards Centre within 30 days from receipt of the item. Items such as ipods, cellular telephones, PCs, laptops, etc. are nonrefundable. Air Canada Maple Leaf Lounge Passes are non-refundable. If an item is non-refundable, however is defective, please notify the Scotia Rewards Centre at and you will be provided with contact information to have the item repaired or exchanged. Upon receipt of the return instructions by telephone, Cardmembers must ship the merchandise, or Scotia Rewards Dollars back to the Scotia Rewards Centre within 10 days. G. Travel Rewards 1. Travel Redemption and Reservations You may redeem your Scotia Rewards points for travel using the following options: the Points Only and Points Plus Card. Travel can also be purchased in full with your Program Card. Points value conversion rate: 100 Scotia Rewards points = $1.00 Canadian. After verifying that you have the required minimum Scotia Rewards points, simply call the Scotia Rewards Travel Service at and speak with a Travel Consultant to book your travel reward or sign onto the Scotia Rewards Site to book your travel online 1. For ScotiaGold Passport VISA accounts and/ or ScotiaGold Passport for business VISA Card accounts, reservations made through any other travel agencies, travel suppliers or airline companies will not qualify as travel rewards. For Scotiabank Rewards VISA Cardmembers, travel rewards are available on trip bookings made through any other travel provider (e.g. travel agencies, tour operators and online travel websites) in addition to Scotia Rewards Travel Service, provided they are made on the Scotiabank Rewards VISA Card. To redeem points for use against travel bookings made through any other travel provider, the travel transaction must first appear on the Scotiabank Rewards VISA Card account. Cardmembers can then visit or call Scotia Rewards Centre at in order to complete the points adjustment. When redeeming points toward travel rewards, a minimum of 5,000 points must be redeemed (5,000 points is equivalent to a $50 savings). You may use additional points toward your selected travel reward, up to the full value of the trip. As an example, 22,619 points will be equivalent to $ in travel purchases, including taxes, service charges, etc. The Scotia Rewards Travel Service does not commit to price matching. If the Points Plus Card or Card Only options are selected for ScotiaGold Passport VISA Cardmembers and ScotiaGold Passport for business VISA Cardmembers, the card portion is charged to the appropriate VISA account following your verbal authorization. If the Points Only, Points Plus Card or Card Only options are selected for Scotiabank Rewards VISA Cardmembers, the entire travel purchase is charged to the appropriate VISA account following your verbal authorization. Once the transaction appears on your Scotiabank Rewards VISA account, the point amount selected to be redeemed will be credited to your Scotiabank Rewards VISA account. Taxes must be applied to both card and points portions. If using Points Only and your chosen travel reward has a lower cash value than $50, no refund of points or refund of credit is allowed. Points cannot be redeemed for any extra activities or usage associated with trips reserved through Scotia Rewards Travel Service (e.g. long-distance phone calls, hotel services, sight-seeing tours, transportation, etc.). Foreign currency conversion charges will be applied for travel rewards booked in foreign currency. All travel rewards listed in the Scotia Rewards Catalogue, website or any other brochures or notices forwarded to you, are subject to availability by the travel supplier, hotel or any other applicable supplier. The following ScotiaGold Passport VISA Card insurances 6 extend coverage to the Travel Rewards under the terms and conditions of the specified insurance policies: Travel Emergency Medical, Trip Cancellation/Interruption, Rental Car Collision/Damage, Common Carrier Travel Accident, Hotel/Motel Burglary, Lost Luggage and Delayed Luggage. Additional coverage may be required, depending on the age of the eligible traveler(s), the duration of the trip and the value of the trip. Travel Emergency Medical and Trip Cancellation/Interruption insurances are only available to customers under the age of 65. The following ScotiaGold Passport for business VISA Card insurances 6 extend coverage to the Travel Rewards under the terms and conditions of the specified insurance policies: Flight Delay, Rental Car Collision/Damage, Common Carrier Travel Accident, Hotel/Motel Burglary (Canada/US only), Lost Luggage and Delayed Luggage. Additional coverage may be required, depending on the age of the eligible traveler(s), the duration of the trip and the value of the trip.

4 For all insurance coverages, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please refer to the rewards and travel benefits posted on our website at scotiabank.com/visa or to the Certificate of Insurance provided with your ScotiaGold Passport VISA Card and/or ScotiaGold Passport for business VISA Card for a full description of coverage. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. 2. Post-Purchase Travel Point Redemption For Scotiabank Rewards VISA Cardmembers, you are eligible to redeem any travel-related expenses made on the Scotiabank Rewards VISA Card for points, provided that these travel-related expenses have not been previously claimed and your account is in good standing 4. In order to qualify, the travel-related activity must be associated with travel made on your Scotiabank Rewards VISA and the charges are recognized by the following VISA Merchant Category Codes or identifiers: airlines ( ); 4511 airlines, Air Carriers ; airports/fields/terminals ; auto rental ; automobile rental agency ; motor home/rv rentals ; lodging ; hotels/motels/resorts ; trailer parks/campgrounds ; travel agencies and 4723; passenger railways ; bus lines ; steamship/cruise lines ; and include related taxes, booking fees, airport fees and travel insurance premiums. Credit to your account cannot exceed the amount of the cost of the travel transactions submitted. A minimum of 5,000 points must be redeemed at one time. You will have 12 months to redeem these eligible travel-related purchases for points. Points cannot be redeemed once 12 months have elapsed from the date it was posted to your Scotiabank Rewards VISA Card account. It may take up to two statement cycles following the processing of your redemption request for the points to be credited to your account. You cannot have travel rewards reversed once your redemption request has been processed. 3. Delivery of Travel Itinerary If you have an address, you will be provided with a file reservation number via that you can use to view and print your electronic ticket on virtuallythere.com. If you do not have an address, you will receive all relevant documentation by mail, provided sufficient advance notice has been given. All paper tickets will be sent via regular courier service. If rush option is required, additional charges will be applied to the appropriate VISA account. Delivery of travel documents sent outside of Canada will be delivered at the Cardmember s expense. For Scotiabank Rewards VISA Cardmembers, all travel confirmations, itineraries and tickets are sent via , so Cardmembers must have a valid address to book travel. 4. 5% Cash Back Rebate To qualify for the 5% Cash Back rebate, your travel arrangements must be made through the Scotia Rewards Travel Service and charged to your ScotiaGold Passport VISA Card or your ScotiaGold Passport for business VISA Card. Eligible expenses include airline tickets, pre-packaged tours and cruises. Taxes, service charges, insurance, hotels, motels, car rentals, fully independent tours and personal expenditures, such as meals, are excluded, unless already included in the pre-packaged tours. The Cash Back rebate will automatically be credited to the appropriate VISA account within 2 billing cycles after your departure date. A notice detailing information of your Cash Back rebate will be sent to you as a confirmation. When using the Points Plus Card option to redeem the travel rewards through the Scotia Rewards Travel Service, the 5% Cash Back rebate is applicable only to the portion of eligible travel expenses (excluding taxes) charged to your ScotiaGold Passport VISA Card or your ScotiaGold Passport for business VISA Card. Points will not be debited or adjusted when the Cash Back rebate is applied. 5% Cash Back is provided by a 3rd party 3. For more information, contact the Scotia Rewards Travel Service at Deposit on Trip For ScotiaGold Passport VISA Cardmembers and ScotiaGold Passport for business VISA Cardmembers to qualify for the Deposit on Trip option with the Scotia Rewards Travel Service, the total value of the trip must be over $8,000 Cdn. (including taxes). A minimum 50% of the total trip value (including taxes) is required at time of booking as a deposit and is non-refundable. The balance must be paid at least 60 days prior to the trip or the time outlined by the 3rd-party supplier, whichever comes first. The Scotia Rewards program deposit and cancellation Terms and Conditions will supersede those of the 3rd-party suppliers. If you are unable to pay the balance with your ScotiaGold Passport VISA Card or your ScotiaGold Passport for business VISA Card, your trip will be regarded as cancelled and the original deposit will not be returned. 6. Pay at Destination The hotel and/or car bookings are Pay At Destination. For these bookings, points are redeemed in the form of travel credit. Credit is applied to your Program Card within 14 days of booking. Full payment is collected by the hotel and/or car rental agency. Holiday Packages are not Pay At Destination. Pay At Destination is only applicable to trips reserved through the Scotia Rewards Travel Service and paid with a Program Card. 7. Travel Cancellation You may cancel any portion or your entire Travel Reward reservation. After a verbal confirmation is issued, cancellation is subject to the Terms and Conditions of the travel supplier. In some cases, such as non-refundable tickets, cancellations are not allowed or are subject to cancellation fees. All cancellation fees will be charged directly to the appropriate Program Card account and are non-refundable. All Scotia Rewards points related to the allowable cancellation portion of the travel rewards will be credited back to the appropriate Program Card account on the basis of 1 Scotia Rewards point for every $0.01 in cancelled charges. Travel cancellations and/or changes made to a travel reservation outside of Scotia Rewards Travel Service hours may be dependent on Tour Operators, suppliers hours of operation and therefore Scotia Rewards Travel Service is not liable for earlier closures of suppliers hours of operation. For Scotiabank Rewards VISA Cardmembers, point redemption for travel reservations is final. If you cancel a travel reservation made using points, you will receive the cash value of the points as a credit on the Scotiabank Rewards VISA Card statement. 8. Points Status in the Event of Switching Credit Cards Should you decide to switch your Program Card account to another Scotiabank credit card that offers the Scotia Rewards program, then your accumulated Scotia Rewards points will transfer over to your new credit card. In the event that you switch your Program Card to a Scotiabank credit card that does not offer Scotia Rewards, your Scotia Rewards points will not transfer over to your new credit card. You may redeem any unused Scotia Rewards points within 60 days of switching your account(s), provided your account(s) is in good standing 4. H. Disclaimers The Bank of Nova Scotia (Scotiabank), HRG (Hogg Robinson Group), SwiftTrip, LLC., and The Travel Team of Canada are not liable for any damages, injuries or disabilities that occur during a travel reward trip, or while using or installing any of the offered rewards. Travel and gift reward suppliers selected by Scotiabank have been committed to provide quality service. However, Scotiabank, HRG, SwiftTrip, LLC., and The Travel Team of Canada do not accept responsibility for nondelivery of rewards by the suppliers as described. While every effort will be made to satisfy Cardmembers with an equivalent replacement or a credit adjustment of points, Scotiabank, HRG, SwiftTrip, LLC., and The Travel Team of Canada will not assume any costs related to the failure of suppliers to deliver the rewards. Please see the Revolving Credit Agreement in your Scotiabank Welcome Kit package regarding settling disputes. Travel purchases made in cash or by credit card through an Ontario registered travel agency are protected by TICO (excludes purchases paid entirely in points). Visit for complete details.

5 Scotiabank, HRG, SwiftTrip, LLC., and The Travel Team of Canada do not make any warranties or representations with respect to the quality or fitness for use of any rewards, or the nature or quality of any of the travel rewards. Cancelled ScotiaGold Passport VISA accounts and/or ScotiaGold Passport for business VISA accounts or Scotiabank Rewards VISA accounts will be ineligible to earn Scotia Rewards points after the cancellation date. If your card has been lost or stolen, all applicable points will be transferred to your new ScotiaGold Passport VISA account, ScotiaGold Passport for business VISA account or Scotiabank Rewards VISA account, as appropriate. The Scotia Rewards program will remain in effect until December 31, 2013 and may be extended. Scotiabank reserves the right to modify, terminate or extend the Scotia Rewards program or the Terms and Conditions of its operation at any time. From time to time, Scotiabank may restrict, cancel, suspend or otherwise alter aspects of the Scotia Rewards program, with or without notice to Cardmembers. In the event of termination, you will be notified in writing and you will be able to exchange the earned points for rewards within 60 days after the termination date, provided your account(s) is in good standing 4. Registered trademarks of The Bank of Nova Scotia. * VISA Int./Lic. User The Bank of Nova Scotia. * Air Canada Maple Leaf Lounge is a trademark of Air Canada. 1 Scotia Rewards Travel Service and Travel Booking for ScotiaGold Passport VISA Cardmembers and/or ScotiaGold Passport for business VISA Cardmembers is provided by a duly licensed 3rd-party travel agent HRG (Hogg Robinson Group). Scotia Rewards Travel Service and Travel Booking for Scotiabank Rewards VISA Cardmembers is provided by a duly licensed 3rd-party travel agent SwiftTrip, LLC, a wholly owned subsidiary of Altour International Inc., Delaware Corporation. SwiftTrip is not directly affiliated with any retail or service providers that may provide services for Scotiabank Rewards VISA Cardmembers. In no event will SwiftTrip, its affiliates, employees, agents or contractors be liable to you for any damages or losses, including without limitation indirect, consequential, special, incidental or punitive damages resulting from or caused by the fulfillment or non-fulfillment of services for Scotiabank Rewards VISA Cardmembers. The Travel Team of Canada is the travel agency of record in Canada on behalf of SwiftTrip, LLC. 2 Scotia Rewards points offered can change at any time without notice. 3 5% Cash Back is provided by a 3rd party. For more information, contact the Scotia Rewards Travel Service at (See section G (4) of the Terms and Conditions for more details on the 5% Cash Back Rebate). 4 In order for the account to be in good standing, the account must not be delinquent or over limit and the Cardmember(s) must not be in breach of the Revolving Credit Agreement. If the account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption. 5 Provided your account is in good standing 4. Scotia Rewards points must be redeemed within 60 days of account closure or they will be deleted permanently. If your account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption. 6 Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. Please refer to your Certificate of Insurance which contains a full description of coverage underwritten by an independent licensed insurer. All claims for insurance indemnities must be forwarded to the insurer. For more information for travelers under 65 years of age, please call Scotia Assist at For more information for travelers over 65 or if the value of your trip exceeds the amount covered under your ScotiaGold Passport VISA Card, you may wish to call Travel Underwriters at to obtain information about purchasing additional Trip Cancellation/Interruption coverage. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. All brand names are the property of their respective owners. SRV EN (10/12)