An Automatic Withdrawal Plan lets you receive regular payments from your non-registered Scotia Securities Inc. (SSI) Account.

How it works:

• You determine the amount (subject to the applicable minimum withdrawal amount - see table below) and which ScotiaFund(s) you would like to redeem.
• You can choose to receive payments monthly, quarterly, semi-annually or annually.
• We'll automatically sell the necessary number of units to make payments by cheque or deposit to your bank account.
• If you sell units within 31 days of buying them, you may have to pay a short-term trading fee.
• You may realize a capital gain or loss - capital gains are taxable.
• You can change the funds and the amount or frequency of your payments, or cancel the plan by advising us in writing.
• SSI can change or cancel the plan, or waive the minimum amounts at any time

¹ You must use U. S. dollars for the Scotia U.S.$ Money Market Fund and Scotia U.S. $ Bond Fund.

Note: If you withdraw more money than your fund units are earning, you'll eventually use up your investment.

	Convenient ways to invest in ScotiaFunds: Online through Scotia OnLine®. By phone at 1 800 268-9269 At your local Scotiabank branch. Contact ScotiaMcLeod, or ScotiaMcLeod Direct Investing to invest online or by phone.

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