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 Secured Rate Prime + 1%¹ Unsecured Rate Prime + 4.99%¹ Credit Limit Range From $20,000 to $500,000 Grace Period Interest-free up to 21 days3 on purchases

Not just another line of credit, ScotiaLine® VISA* card, is a leading personal line of credit with the convenience of
no-fee¹ VISA card access.

An innovative personal borrowing tool that combines the high credit limits and low rates of a personal line of credit with the flexibility to use that credit anywhere, anytime! The ScotiaLine VISA line of credit offers:

• No annual fee.
• Credit limits ranging from $20,000 to $500,000.
• Secured rates as low as Scotiabank Prime Rate + 1%.
• Competitive unsecured rates.
• Purchase Security and Extended Warranty Protection³
• Simplify your monthly payments.

Other Features:

• Up to 21 days interest-free grace period on new card purchases³.
• Optional Line of Credit Protection².
• Emergency Card Replacement.
• Complimentary Scotia® VISA Cheques.
• Easy access to your VISA account via Scotiabank ABMs, TeleScotia® Telephone Banking, Scotia OnLine® Financial Services or at any Scotiabank branch.

	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 rate depends on whether the ScotiaLine VISA is secured or unsecured, subject to credit approval and the security provided. Secured rate currently at Scotiabank Prime + 1%. Unsecured rate is currently at Scotiabank Prime + 4.99%, however, we may be able to provide a better rate if an application for credit is completed. Interest rates, 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.