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13. Interest rate for purchases for both SCENE V ISA card and the L’earn card is 19.99%;cash advances, balances transfers and Scotia® Credit Card Cheques are 21.99%. Interestrates, annual fees and features for both cards are effective September 1, 2013 and aresubject to change without notice.

SCENE VISA card – Earn 1 SCENE point for every $1 you spend on card purchases and5 SCENE points for every $1 spent at participating Cineplex Entertainment ◊ theatres andonline at cineplex.com. (Maximum points per transaction are 300. Maximum daily pointsare 600). SCENE points can only be redeemed at participating Cineplex Entertainmenttheatres, or scene.ca for other points offers (or rewards). Purchase returns, payments,cash advances, Scotia Credit Card Cheques, credit vouchers, card fees, interest chargesor service/transaction charges do not qualify for SCENE points.

L’earn VISA cardholders earn up to 1% cash back. Purchase returns, payments, cashadvances, Scotia Credit Card Cheques, credit vouchers, card fees, interest charges orservice/transaction charges do not qualify for a Moneyback ® reward.

All Scotiabank retail credit cards, except Scotiabank Value ® VISA card and No-FeeScotiabank Value VISA card, issued or reissued after March 14, 2011, will have VisapayWave. For more information visit scotiabank.com/paywave

14. 10% discount applies to the full purchase price (excluding taxes) and excludes Tim

Horton’s and alcoholic beverage purchases. Free movies at Cineplex Entertainment◊

theatres with just 1,000 points. Visit www.scene.ca for complete details. Somerestrictions and limitations apply.

15. 1,000 points will be added to your SCENE membership account when you obtaina SCENEScotiaCard on a new SCENE-eligible bank account and make your first debitpurchase. Purchase must be made within 60 days of opening the account. 1,000additional points will be added to your SCENE membership account for having yourpayroll deposited to your new SCENE-eligible Scotiabank account or setting up one ofthe following combinations of pre-authorized debits and/or credits on one account: a)2 PADs, b) 2 PACs or c) 1 PAD and 1 PAC, provided your automatic payroll or PAD/PACis set up within 60 days of opening your account. Each sign-up offer is awarded onceper customer per SCENE membership. Each offer is paid once per customer on joint orsingle accounts once your account has qualified. For joint accounts, if at the time ofawarding any bonus points each joint account holder has registered an individual SCENEmembership, bonus points will be split equally. These offers do not apply to existingSCENE-eligible Scotiabank account holders. Visit www.scotiabank.com/scene for details.SCENE points are awarded for debit purchase transactions and Interac Flash†† transactionsfrom an eligible account using your SCENE ScotiaCard . Points accumulated using theSCENEScotiaCard will be updated within 2-3 business days for debit transactions andmonthly for the Scotiabank sign-up and banking relationship offers. E arn 1 SCENE pointfor every $5 you spend on debit purchases and 1 SCENE point for every $1 spent atparticipating theatres and online at cineplex.com. (Maximum points per transaction are300. Maximum daily points are 600). SCENE points can only be redeemed at participatingCineplex Entertainment ◊ theatres, or scene.ca for other points offers (or rewards). Someconditions and limitations apply. Visit scene.ca for complete details.£ Ranked by Global Finance magazine list of the World’s Safest Banks 2013.† Ranked by The Banker magazine, a Financial Times publication,

December 2012.® Registered trademarks of The Bank of Nova Scotia.™ Trademarks of The Bank of Nova Scotia.* Visa Int./Lic. user The Bank of Nova Scotia.®§ The WESTERN UNION name, logo and related trademarks and service marks,owned

by Western Union Holdings, Inc, are registered and/or used in the US and manyforeign countries and are used with permission.

®* Registered trademark of SCENE IP LP, used under licence.†† Interac, Interac Flash and Pay in a flash are trademarks of Interac Inc. The Bank of

Nova Scotia is an authorized user of the trademarks. With your Interac Flash feature,small purchases can be made by waving or tapping your SCENE ScotiaCard over aspecial card reader at participating merchants. For more information,visit scotiabank.com/flash

◊ Cineplex Entertainment LP, used under licence.

Let us help youStart Right with advice and simple solutions for your new journey.

Start Right Here.

Visit scotiabank.com/startright

Call 1-866-800-5159(Canada and US – English, French,

Cantonese, Mandarin, Punjabi and Spanish)

Visit a Scotiabank branch

9096817 (02/14)

IMPORTANT THINGS TO KNOW

1. The Scotiabank StartRight Program, created for Canadian Landed Immigrants from0-3 years in Canada, International Students and Foreign Workers. The ScotiabankStartRight Mortgage Program, created for Canadian Landed Immigrants and ForeignWorkers from 0-5 years in Canada.

2. Offer available when you open a new Scotia® Moneyback TM Account, Scotia One TM Account or Basic Banking Plan (each an “Eligible Account”) with Scotiabank. Employeesof The Bank of Nova Scotia (“Scotiabank”) and individuals who are currently holders or

joint holders of an Eligible Account, are not eligible. Maximum one offer per customer.The Eligible Account must be opened and be in good standing until time of payout.Eligible Account is not in “good standing” if (i) it has a negative balance exceeding theauthorized overdraft limit, (ii) it is closed to service charges or (iii) it has an unauthorizedoverdraft written off status. The $100 bonus will be deposited into the Eligible Accountwithin 120 days of the account opening. This offer is non-transferable and cannot beduplicated or combined with any other offer. Scotiabank may withdraw or change thisoffer at any time without notice. Please se e the Day-to-Day Banking Companion Bookletfor further details about these accounts and fees.

3. Subject to meeting Scotiabank’s credit criteria and security requirements. Anunsecured credit card may be available up to certain credit limits; a secured creditcard requires security equal to 100% of approved credit limit for Foreign Workers andPermanent Residents and 120% of approved credit limit for International Students.Credit card security can be cash security, Canada Savings Bonds or GuaranteedInvestment Certificate. In addition, to be eligible for a personal borrowing product, youmust be a Canadian resident and have reached the age of majority.

4. Subject to availability and signing the Safety Deposit Box lease.

5. Currently the Scotiabank StartRight Auto Finance Program is available through selectcar dealerships in Canada. Special financing rates are available from the followingmanufacturers: Kia, Chrysler, General Motors, Hyundai, Jaguar/Land Rover, Mazda,Mitsubishi and Volvo. This program is only available for Landed Immigrants and ForeignWorkers. Subject to Scotiabank financing terms and conditions. Downpayment required.

6. Applicable to residential mortgages only and subject to Scotiabank lending criteriafor residential properties. Mortgage default insurance may be required for Loan to Valueratios (LVRs) greater than 50% to a maximum of 95%. Maximum LVRs available maybe less than 95%.

7. The package components that are available to new S cotia Running Start for business banking package customers and any introductory fee offers that are available are subjectto change without notice. Subject to meeting Scotiabank’s credit criteria and securityrequirements. Standard interest charges are applicable. In addition, to be eligible youmust be a Canadian resident and have reached the age of majority. Personal guaranteesrequired for business credit.

8. Scotiabank is an authorized agent facilitating Western Union Money Transfer services.Western Union Money Transfer fees vary based on amount sent and destination.Information on Western Union Money Transfer fees can be obtained at a participatingScotiabank branch. A Scotiabank day-to-day banking account is required for use ofWestern Union Money Transfer services from a participating Scotiabank branch. Moneytransfer fee of $9 plus 1% of principal is applicable to money transfers less than $1,000on consumer to consumer Western Union Money Transfer transactions initiated throughScotia OnLine Financial Services or Scotiabank Mobile Banking which are provided byThe Bank of Nova Scotia.

9. A deposit to this account does not constitute a deposit that is insured under theCanada Deposit Insurance Act. A monthly fee of US $1 applies for every month you don’tmaintain a minimum daily balance of US $200.

10. A deposit to this account does not constitute a deposit that is insured under theCanada Deposit Insurance Act. A monthly fee of €1 applies for every month you don’tmaintain a minimum daily balance of €200.

11. Qualifying students are full-time students enrolled at a Canadian university,community college, CEGEP or other recognized post-secondary institution. To takeadvantage of the Student Banking Advantage Plan account benefits, you will need toprovide your branch with proof that you are enrolled full-time at a qualifying post-secondary institution each academic year prior to November 30. th When you are nolonger enrolled full-time or you have not presented proof enrolment, the plan will beremoved and the account will automatically be converted to an account that is suitableto you based on your recent transaction behaviour. Personal identification requirementsmust be met.

12. The Getting There Savings Program for Youth is available to customers under 19years of age. The Getting There Savings Program for Youth account has no monthlyAccount fees. All other fees not covered by your banking package will continue toapply, including fees charged by other financial institutions and access fees to use non-Scotiabank banking machines (e.g. Interac †† ,Visa* or PLUS* fees). Cardholder service feescontinue to apply for using cross border debit service. When you turn 19 years of age,the account will automatically be converted to an account that is suitable to you basedon your recent transaction behaviour. P lease see the Day-to-Day Banking CompanionBooklet for further details about these services and fees.

Our Advcan helpStart Righin Canad

LANDED IMMIGRANINTERNATIONAL STU

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We know how you feel when you arrive in a new country.The Scotiabank StartRight ® Program 1 for Newcomersis created to offer you all the help you need to makesettling in Canada easier. As you start your new life, youwill find managing your finances will be at the top of yourto-do list. Our Scotia® advisors are here to offer the right

solutions and advice – from setting up your bank accountand managing your money, to investing for your future.

About Scotiabank ®

• One of North America’s leading financial institutions –and Canada’s most International Bank

• Scotiabank was recognized as Bank ofthe Year in Canada, Guyana, BritishVirgin Islands, Jamaica, Trinidad &Tobago †

• Recognized as one of the safestbanks in North America and

the world£

• Strength, integrity and servicefor more than 180 years

• Serving about 21 millioncustomers in more than55 countries worldwide

• Approximately 83,000 Scotiabankemployees – many of whom mayspeak your language

• Multi-channel delivery network withapproximately 1,200 branches andover 3,800 automated bankingmachines (ABMs) across Canada

• Receive $100 when you open an eligible chequing account 2

• Grow your savings with the Scotia Power Savings Account ™

• Build your credit history with an unsecuredcredit card 3 that meets your needs

• Secure your valuables with a free small safety depositbox for one year 4

• Buy a car with specially designed financing atselect dealerships 5

• Get a specially designed mortgage solution to assist youin purchasing a home in Canada 6

• Start your own business with savings on banking servicesand partner offers with the Scotia Running Start forbusiness ® banking package. Plus, get access to the creditoptions you need through the Scotiabank StartRight for business program, to help build your credit historyquickly while fueling your entrepreneurial dream 7

• Send money quickly and conveniently through WesternUnion Money Transfer ®§ services available at Scotiabank foronly $9 plus 1% of the money sent by online or mobile 8

• Purchase gold and other precious metals through

services provided by ScotiaMocatta ®

• Get a Scotia® U.S. Dollar Daily Interest Account 9 or a Scotia® Euro Daily Interest Savings Account 10

LANDED IMMIGRANTSWHY SCOTIABANK? FOREIGN WORKERS INTERNATIONA

Get started right when you arrive.We help you Start Right in Canada. Managing your finances is nota temporary thing.

Your new financial f

• Get the Student BankingGetting There Savings Prunlimited debit transactio

• Get an unsecured SCENEor an unsecured L’earn®

with great rewards and no

• Open a Scotia® U.S. Dolor a Scotia® Euro Daily I

• Join SCENE for free!Earn points for free mosave 10% on movie snackat Cineplex Entertainmentheatres 14

• Earn up to 2,000 bonus po– enough for 2 FREE movwith your SCENE ScotiaC

You planned yLet us help you

• Receive $100 when you open an eligible chequingaccount 2

• Grow your savings with the Scotia PowerSavings Account ™

• Build your credit history with an unsecured credit card 3

that meets your needs

• Secure your valuables with a free small safety depositbox for one year 4

• Buy a car with specially designed financing at selectdealerships 5

• Get a specially designed mortgage solution to assist youin purchasing a home in Canada 6

• Send money quickly and conveniently through WesternUnion Money Transfer ®§ services available at Scotiabankfor only $9 plus 1% of the money sent by online ormobile 8

• Purchase gold and other precious metals through

services provided by ScotiaMocatta®

• Get a Scotia® U.S. Dollar Daily Interest Account 9 or a Scotia® Euro Daily Interest Savings Account 10