Scotiabank.com Terms of Access
THIS NOTICE GOVERNS USE OF THIS WORLD WIDE WEB SITE ("SITE") SCOTIABANK.COM. BY ACCESSING THIS SITE, YOU AGREE TO THE FOLLOWING TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS THIS SITE.
Click on the links provided for legal notices pertaining to Scotiabank Global Banking and Markets, 1832 Asset Management L.P. and ScotiaMcLeod Web sites that are additional to the legal notice provided by The Bank of Nova Scotia (sometimes referred to as “Scotiabank”) in respect to Scotiabank and its affiliates..
Copyright in the content of this site, including the screens displaying the pages and their arrangement, is owned by The Bank of Nova Scotia unless otherwise indicated. All rights reserved. Users of Scotiabank's World Wide Web site pages (the "Work") shall only be entitled to copy the Work for their own personal use and may not republish nor reproduce any substantial part of the Work in any manner whatsoever, including electronically reproducing this Work by "uploading", "downloading" or accessing the Work on to the Internet or any other local or international computer system, without the prior written permission of Scotiabank, and any such unauthorized use constitutes copyright infringement. An acknowledgement of the source must be included whenever Scotiabank material is copied or published. If you require further information on a permitted use or license to reproduce or republish any material, address your inquiry to e-Scotia, Business to Consumer Products & Services, 44 King Street West, Toronto, Ontario M5H 1H1. Any infringement of Scotiabank rights will result in appropriate legal action. Scotiabank disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of this Work whatsoever. Use of any software downloaded from this site is governed by the terms of any license agreement provided with that software.
Information on Scotiabank's WWW pages is for information purposes only and does not constitute an offer to buy or sell products or services of Scotiabank and its affiliates, including units of mutual funds. Not all products and services that Canadian residents may be interested in are available in all regions of Canada. Not all products and services that other country residents may be interested in are available in that country.
Scotiabank's products and services are available in accordance with local law and only if they may be lawfully offered for sale in any particular jurisdiction. All Scotiabank products and services are subject to the terms of applicable agreements.
Access to and Use of Site
Scotiabank adheres to the highest security measures on its Scotiabank.com and Scotia OnLine Financial Services websites.
Sensitive communication between you and these sites is always protected via encryption while in transit. However, Scotiabank advises you that, unlike communication with our website, we have no control over the privacy of your e-mail communications with us. We recommend that you not include private and sensitive information in e-mails to Scotiabank and its affiliates, including, but not limited to, account numbers, balances, passwords, etc. Scotiabank and its affiliates will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us through e-mail.
Facts and data provided by Scotiabank and its affiliates and other sources are believed to be reliable when posted. Scotiabank cannot guarantee that they are accurate or complete or that they will be current at all times. Information on this WWW site is not intended to provide legal, accounting, or tax advice, and should not be relied upon in that regard. Neither The Bank of Nova Scotia nor any of its affiliates is responsible in any manner for direct, indirect, special or consequential damages howsoever caused, arising out of the use of this WWW site. Scotiabank advises all end users that IBM Canada Ltd. has no liability to end users.
All services described in this site are subject to conditions, exclusions and limitations as established by the provider of service. The rate bonuses are not to be used in combination with any other pricing bonuses being offered by The Bank of Nova Scotia or its affiliates.
Sites accessed by hypertext appearing in this Scotiabank site have been independently developed by parties other than Scotiabank and Scotiabank does not guarantee the accuracy of information contained in such sites. The listing of an organization in this site should not be construed as an endorsement of its services or products, and Scotiabank will not be responsible for any losses suffered in visiting those sites.
The Canada NewsWire Ltd. service is not related to, and is independent of, Scotiabank.
Reuters and other "feed" services are not related to and are independent of Scotiabank. Scotiabank is providing information from Reuters and other "feed" services to you as a convenience. Scotiabank did not investigate or verify any such information and the inclusion of any such information does not imply that Scotiabank endorses it. Scotiabank makes no representation as to the accuracy of such information.
Reuters content is the intellectual property of Reuters Limited. Any copying, republication or redistribution of Reuters content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Reuters. Reuters shall not be liable for any errors or delays in content, or for any actions taken in reliance thereon. Reuters, the Reuters Dotted Logo and the Sphere Logo are registered trademarks of the Reuters group of companies around the world. To the extent permitted by law, Scotiabank shall not be liable for any damages suffered or incurred by the user of this site or any third person arising out of any faults, interruptions or delays in the Scotiabank site or the Reuters Services and any inaccuracies, errors or omissions in the Scotiabank and Reuters content. Except as expressly stated in this site, there are no warranties, conditions, guarantees or representations (in this paragraph called "Warranties") as to merchantability, fitness for a particular purpose or other warranties, whether express or implied, in law or in fact, oral or in writing. All software is provided "as is" without any representations or Warranties. Each user hereby acknowledges that it has not relied upon any representations or Warranties of Scotiabank or Reuters Information Services (Canada) Limited.
The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use.
The Dow Jones Wilshire IndexesSM are jointly produced by Dow Jones & Company, Inc. and Wilshire Associates, Inc. and have been licensed for use. All content of the Dow Jones Wilshire IndexesSM © 2005 is proprietary to Dow Jones & Company, Inc. & Wilshire Associates Incorporated.
Dow Jones and Dow Jones Wilshire content is the intellectual property of Dow Jones & Company, Inc. ("Dow Jones") and/or Wilshire Associates Incorporated ("Wilshire"). Any copying, republication or redistribution of Dow Jones content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Dow Jones. Dow Jones shall not be liable for any errors or delays in content, or for any actions taken in reliance thereon. Dow Jones Marks and Dow Jones Wilshire Marks are famous, well-known and internationally recognized trade names, trademarks and service marks owned by Dow Jones or Wilshire, as the case may be. To the extent permitted by law, Dow Jones shall not be liable for any damages suffered or incurred by the user of this site or any third person arising out of any faults, interruptions or delays in the Scotiabank.com site and any inaccuracies, errors or omissions in the Scotiabank.com and Dow Jones/Dow Jones Wilshire content. Except as expressly stated in this site, there are no warranties, conditions, guarantees or representations (in this paragraph called "Warranties") as to merchantability, fitness for a particular purpose or other warranties, whether express or implied, in law or in fact, oral or in writing. All Dow Jones/Dow Jones Wilshire content is provided "as is" without any representations or Warranties. Each user hereby acknowledges that it has not relied upon any representations or Warranties of Dow Jones or Wilshire.
¥The prime lending rate of The Bank of Nova Scotia.
Scotiabank's Registered & Unregistered Trademarks
The symbols ® and ™ designate Canadian registered trademark and, generally, unregistered trademark status respectively. The following are registered trademarks of The Bank of Nova Scotia in Canada: Scotiabank; Scotia; Flying "S" and design;Scotia 2020; Scotia Banking Advantage; Scotiabusiness; ScotiaClub; Scotiaconnect; Scotia Direct; Scotia iTRADE; Scotiafarm; ScotiaFunds; Dynamic Funds; ScotiaGold Passport; ScotiaGold; Scotia Homeowner ADD-Vantage;; Scotia Leasing; ScotiaLife Financial; ScotiaLine; ScotiaMcLeod; Scotia OnLine; Scotia Plan; Scotia Plus; Scotia Professional; Scotia Rewards, Scotia Securities, Scotiatrust, Scotia Value, Scotiabank Value, Cashstop, Executive Money Master, Getting There Savings Program, GICs with Guts, GoldChoice, Miss-A-Payment, Money Master, Pay Yourself Too Plan, Reality Check, TeleScotia, Scotia Ultimate, The Ultimate, The Ultimate Laddered, ScotiaCard, Scotia Total Equity, Match-A-Payment, WaterStreet Family Offices.
The following are trademarks of The Bank of Nova Scotia in Canada: scotiabank.ca; scotiabank.com;; 1832 Asset Management; Scotia Institutional Asset Management; HollisWealth.
The following are service marks of The Bank of Nova Scotia in the United States: Scotiabank; Flying "S" design; scotiabank.ca; scotiabank.com.
The Bank of Nova Scotia has additional trademarks and service marks, registered and unregistered, in Canada and other countries, which may appear on this site.
Licensed and Authorized Use
The display of trademarks herein does not imply that a license of any kind has been granted.
NHL, the NHL Shield and the image of the Stanley Cup are registered trademarks and the word mark Stanley Cup is a trademark of the National Hockey League. All Rights Reserved.
Adobe; Adobe and Design and Acrobat are registered trademarks of Adobe Systems Incorporated in Canada.
Adobe Get Acrobat Reader & Design is a trademark of Adobe Systems Incorporated.
® Used under license by American Express Comany.
Copyright ©: Amex Canada Inc. 2002
Diners Club is a registered trademark of Diners Club International Ltd.
En Route is a registered trademark of Air Canada.
Inverlat is a trade mark used under license and control of Banco Inverlat S.A. Institucion de Banca Multiple Grupo Financiero Inverlat.
Lotus is a registered trademark of International Business Machines Corporation.
Microsoft, Excel and Windows are registered trademarks of Microsoft Corporation.
ProCard and ProValue Services are trademarks of ProCard, Inc.
* indicates a registered trademark of VISA International Service Association. Used under license by The Bank of Nova Scotia.
** MasterCard is a registered trademark of MasterCard International Inc.
*** Interac Inc. owner of Mark INTERAC. The Bank of Nova Scotia authorized user of Mark.
‡ Trademarks of Discovery Communications, Inc.
†McAfee and VirusScan are registered trademarks or trademarks of McAfee, Inc., and/or its affiliates in the US and/or other countries. All other registered and unregistered trademarks herein are the sole property of their respective owners All rights reserved.
+ Bell Mobility is a trademark of Bell Canada.
± Mobile Browser is a trademark of Bell Mobility Cellular Inc.
~ AT&T Corp. Used under License.
Λ Rogers Communications Inc. Used under License.
µ Go.Web is a trademark of GoAmerica, Inc.
¤ The BlackBerry and RIM families of related marks, images and symbols are the exclusive properties of Research In Motion Ltd. and are used by permission.
§ Clearnet, Clearnet PCS, Mike, The Mike Network, Mike Networks and associated logos are trademarks used under license from Telus Corporation.
Þ Trademark of TELUS Communications Inc. and TELUS Mobility Cellular Inc.
◊ All other service and product names are trademarks or registered trademarks of their respective owners.
The display of trademarks herein does not imply that a license of any kind has been granted.
Subsidiaries, Affiliates and Divisions
The Bank of Nova Scotia Trust Company, e-Scotia.com Inc., e-Scotia Acquisition Inc., e-Scotia Commerce Holdings Ltd., HollisWealth Advisory Services Inc., HollisWealth Insurance Agency Ltd., Montreal Trust Company, National Trust Company, Roynat Inc., Scotia Capital Inc., Scotia Mortgage Corporation, Scotia Securities Inc., Victoria and Grey Mortgage Corporation are corporate entities separate from, though wholly owned by, The Bank of Nova Scotia.
ScotiaMcLeod, Scotia iTRADE and HollisWealth are divisions of Scotia Capital Inc.
Global Asset Management, Retail Canada; DynamicFunds; Scotia Institutional Asset Management; and WaterStreet Family Offices are divisions of 1832 Asset Management L.P.
1832 Asset Management L.P. is a limited partnership, the general partner of which is wholly-owned by The Bank of Nova Scotia.
Banco Inverlat S.A. Institucion de Banca Multiple Grupo Financiero Inverlat is a Mexican Bank organized
under the laws of Mexico and is controlled by Grupo Financiero Inverlat S.A. de C.V.
Forward-Looking StatementsOur public communications often include oral or written forward-looking statements. Statements of this type are included in this document, and may be included in other filings with Canadian securities regulators or the U.S. Securities and Exchange Commission, or in other communications. All such statements are made pursuant to the “safe harbour” provisions of the U.S. Private Securities Litigation Reform Act of 1995 and any applicable Canadian securities legislation. Forward-looking statements may include, but are not limited to, statements made in this Management’s Discussion and Analysis in the Bank’s 2014 Annual Report under the headings “Overview-Outlook,” for Group Financial Performance “Outlook,” for each business segment “Outlook” and in other statements regarding the Bank’s objectives, strategies to achieve those objectives, expected financial results (including those in the area of risk management), and the outlook for the Bank’s businesses and for the Canadian, U.S. and global economies. Such statements are typically identified by words or phrases such as “believe,” “expect,” “anticipate,” “intent,” “estimate,” “plan,” “may increase,” “may fluctuate,” and similar expressions of future or conditional verbs, such as “will,” “should,” “would” and “could.”
By their very nature, forward-looking statements involve numerous assumptions, inherent risks and uncertainties, both general and specific, and the risk that predictions and other forward-looking statements will not prove to be accurate. Do not unduly rely on forward-looking statements, as a number of important factors, many of which are beyond our control, could cause actual results to differ materially from the estimates and intentions expressed in such forward-looking statements. These factors include, but are not limited to: the economic and financial conditions in Canada and globally; fluctuations in interest rates and currency values; liquidity; significant market volatility and interruptions; the failure of third parties to comply with their obligations to us and our affiliates; the effect of changes in monetary policy; legislative and regulatory developments in Canada and elsewhere, including changes in tax laws; the effect of changes to our credit ratings; amendments to, and interpretations of, risk-based capital guidelines and reporting instructions and liquidity regulatory guidance; operational and reputational risks; the risk that the Bank’s risk management models may not take into account all relevant factors; the accuracy and completeness of information the Bank receives on customers and counterparties; the timely development and introduction of new products and services in receptive markets; the Bank’s ability to expand existing distribution channels and to develop and realize revenues from new distribution channels; the Bank’s ability to complete and integrate acquisitions and its other growth strategies; changes in accounting policies and methods the Bank uses to report its financial condition and financial performance, including uncertainties associated with critical accounting assumptions and estimates (See “Controls and Accounting Policies - Critical accounting estimates” in the Bank’s 2014 Annual Report, as updated by quarterly reports); the effect of applying future accounting changes (See “Controls and Accounting Policies - Future accounting developments” in the Bank’s 2014 Annual Report, as updated by quarterly reports); global capital markets activity; the Bank’s ability to attract and retain key executives; reliance on third parties to provide components of the Bank’s business infrastructure; unexpected changes in consumer spending and saving habits; technological developments; fraud by internal or external parties, including the use of new technologies in unprecedented ways to defraud the Bank or its customers; increasing cyber security risks which may include theft of assets, unauthorized access to sensitive information or operational disruption; consolidation in the Canadian financial services sector; competition, both from new entrants and established competitors; judicial and regulatory proceedings; acts of God, such as earthquakes and hurricanes; the possible impact of international conflicts and other developments, including terrorist acts and war on terrorism; the effects of disease or illness on local, national or international economies; disruptions to public infrastructure, including transportation, communication, power and water; and the Bank’s anticipation of and success in managing the risks implied by the foregoing. A substantial amount of the Bank’s business involves making loans or otherwise committing resources to specific companies, industries or countries. Unforeseen events affecting such borrowers, industries or countries could have a material adverse effect on the Bank’s financial results, businesses, financial condition or liquidity. These and other factors may cause the Bank’s actual performance to differ materially from that contemplated by forward-looking statements.
For more information, see the “Risk Management” section starting on page 65 of the Bank’s 2014 Annual Report. Material economic assumptions underlying the forward-looking statements contained in this document are set out in the 2014 Annual Report under the heading “Overview-Outlook,” as updated by quarterly reports; and for each business segment “Outlook”. The “Outlook” sections in this document are based on the Bank’s views and the actual outcome is uncertain. Readers should consider the above-noted factors when reviewing these sections. The preceding list of important factors is not exhaustive. When relying on forward-looking statements to make decisions with respect to the Bank and its securities, investors and others should carefully consider the preceding factors, other uncertainties and potential events. The Bank does not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by or on its behalf.