At a Glance It's Easy to Apply! Apply online Already a customer? Sign-on to Scotia OnLine Visit any Scotiabank Branch Call us at 1-888-882-8958 Annual Fee $0¹ Annual Interest Rate 19.5%¹ on card purchases 21.5%¹ on Cash Advances, Balance Transfers and Scotia®  VISA Cheques Grace Period Interest-free up to 21 days3 on purchases  Minimum Credit Limit $5000

Other Features

• Minimum $5,000 credit limit
• Up to 21 days interest-free grace period on new card purchases³
• Scotia® VISA Cheques - free of charge
• Optional Scotia VISA Balance Protection²
• Easy access to your VISA account via Scotiabank ABMs, TeleScotia® Telephone Banking, Scotia OnLine® Financial Services or at any of our branches across Canada

	It's Easy to Apply! Apply online Already a customer? Sign-on to Scotia OnLine Visit any Scotiabank Branch Call us at 1-888-882-8958

To order additional cards simply download our additional card order form, complete and sign the form and drop it off at your Scotiabank branch.

For current rates and information on fees and interest cost, call 1-888-882-8958.

¹ Interest rates, annual fees and features are effective as of March 2, 2009 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

² For all insurance coverage's certain limitations, restrictions and exclusions apply. You will receive Certificates of Insurance, which contain a full description of coverage, when you're approved for the card.

³ Provided you pay your balance in full each month, by the payment due date. Effective May 1, 2008, the interest-free grace period will change from up to 26 days to up to 21 days.