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 14.99%1 Minimum Credit Limit $500 Grace Period Interest-free up to 21 days3 on purchases

The No-Fee Scotiabank Value VISA card is the only no annual fee, low-rate credit card in Canada. With all the features and benefits of the standard Scotiabank Value® VISA card, it can offer you outstanding value. By switching balances from higher interest rate credit cards to No-Fee Scotiabank Value VISA card you could:

• Save hundreds of dollars a year.
• Pay down balances faster.
• Simplify your monthly payments.

Other Features

• Minimum $500 credit limit
• Up to 21 days interest-free grace period on new card purchases³
• Scotia® VISA Cheques - free of charge
• Optional Scotia VISA Balance Protection
• Up to 20% discount rates at Avis Car Rental
• 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 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.