1 Scotia Rewards® points are awarded for purchases of goods and services charged to your card.

Points earn rate: The accelerated earn rate for the Scotiabank®* Gold American Express® Card is 4 points per $1 in purchases. The accelerated earn rate for the Scotiabank®* American Express® Card is 2 points per $1 in purchases. The regular earn rate is 1 point per $1 in purchases.

Spend threshold for the accelerated earn rate: The accelerated earn rate for the Scotiabank Gold American Express Card and the Scotiabank American Express Card applies to the first $50,000 in purchases annually at merchants qualifying for the accelerated earn rate, which will be calculated from January 1st to December 31st each year. Once you exceed the applicable spend threshold, you will continue earning points at the regular earn rate of 1 point per $1 in purchases Merchants qualifying for the accelerated earn rate: The accelerated earn rate applies to purchases made at American Express merchants in the Gas, Grocery, Dining and Entertainment categories, classified in the American Express network as: Gas Service Stations (with or without Ancillary Services and with Merchant Code: 5541) and Automated Fuel Dispensers (Merchant Code: 5542); Grocery Stores and Supermarkets (Merchant Code: 5411); Eating Places and Restaurants (Merchant Code: 5812), Drinking Places (Alcoholic Beverages) including Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques(Merchant Code: 5813), Fast Food Restaurants (Merchant Code: 5814); Entertainment including Motion Picture Theaters (Merchant Code:7832), Theatrical Producers (except Motion Pictures) and Ticket Agencies (Merchant Code:7922), Bands, Orchestras and Miscellaneous Entertainers - Not Elsewhere Classified (Merchant Code:7929). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by American Express in another manner, in which case this added benefit would not apply.

Points are not awarded for cash advances, Scotia®* Credit Card Cheques, Scotia Rewards Dollars, returns, payments, casinos and gambling, annual membership or card fees, interest charges or service transaction charges.

2 Earn one Scotia Rewards point for every $1.00 in purchases of goods and services charged to your ScotiaGold Passport® VISA* Card 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.

3 The 20,000 Scotia Rewards bonus points are awarded when you use your Scotiabank Gold American Express Card for at least $500 in net purchases posted to your account in the first three months from the account open date and provided the account is open and in good standing. Net purchases are defined as the cost of goods and services purchased on your credit card account, less amounts credited for refunds on such purchases. The points will appear as an adjustment on your Scotiabank Gold American Express Card statement within two statement cycles after the third billing cycle has passed. Offer applies to new accounts opened by October 31, 2015.

4 The 5,000 Scotia Rewards bonus points are awarded when you use your Scotiabank American Express card for a purchase within two months of open date and provided the account is open and in good standing. The points will appear as an adjustment on your Scotiabank American Express card statement within two statement cycles of your first card purchase. Offer applies to new accounts opened by June 30, 2015.

5 The 5,000 Scotia Rewards bonus points are awarded when you use your ScotiaGold Passport VISA card for a purchase within two months of open date and provided the account is open and in good standing. The points will appear as an adjustment on your ScotiaGold Passport VISA card statement within two statement cycles of your first card purchase. Offer applies to new accounts opened by June 30, 2015.

6 Under all insurance coverages or services, certain limitations, restrictions and exclusions apply, including a pre-existing condition exclusion for certain benefits. The Insurance certificates contain full details of all coverages underwritten by independent licensed insurers. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers.

7 Interest rate: 19.99% on purchases and 21.99% on cash advances, balance transfers and Scotia Credit Card Cheques. Supplementary card annual fees: Scotiabank Gold American Express Card $29, Scotiabank American Express Card $15, ScotiaGold Passport VISA card $30. Interest rates, fees and features are subject to change without notice.

®* Registered trademarks of The Bank of Nova Scotia.

® American Express is a trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express

* Visa Int./Lic. User The Bank of Nova Scotia