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With a rate of return tied to the performance of the key markets of the G7 countries (as measured by the Scotia G7 Index), our 3-year G7 Stock-Indexed GIC offers the upside potential of international stock markets and the security of principal of a GIC.

The Scotia G7 Stock Indexed GIC is also RSP/RIF eligible.

How It Works

The term of your Stock-Indexed GIC starts on the issue date. The Stock-Indexed GIC is non-redeemable and non-transferable prior to maturity.

Your principal earns a potential return based on the percentage increase, if any, in the closing value of the Scotia G7 index during the period that starts two business days after your GIC issue date and that ends two business day prior to the maturity date of your GIC, which is then multiplied by the participation rate. The participation rate is set in advance of each new issue and varies by issue date.

If the closing index value two business days prior to maturity is less than or equal to the closing value two business days after issue, your return is 0%, but your guaranteed principal is returned. Principal and any interest earned are paid at, and not before, maturity.

The Scotia G7 Index Explained

In conjunction with Scotia Capital, Scotiabank has created the "Scotia G7 Index" based on a weighting of key market indices for each of the G7 countries as follows:

Tracking the daily Scotia G7 Index value:

• Check the Daily Closing Index Values online.
• By phone - by calling 1-800-387-6507 (outside Toronto) or 416-288-3506 (in Toronto).
• At Scotiabank branches - from your branch representative.

Further Information:

• Check the Starting Index Values of current issues.
• View the Historical Performance of past issues.

Availability

The Bank of Nova Scotia (BNS) and its wholly owned subsidiaries, Montreal Trust Company of Canada (MTCC) and National Trust Company (NTC), issue Scotia G7 Stock-Indexed GICs.

	You can purchase Scotiabank Stock-Indexed GICs: Online with Scotia OnLine At your local Scotiabank Branch OR by phone and for more information, call one of our Personal Investment Advisors at 1-800-953-7441.

* Telephone purchasers who have not received a written copy of the Stock-Indexed GIC Terms and Conditions prior to purchase will have the opportunity to rescind their purchase within 48 hours following the earlier of actual or deemed receipt of such Terms and Conditions. Telephone purchasers will have been deemed to have received the Terms and Conditions on: (1) the day recorded as time of sending by the electronic transmission system, if provided by electronic means; (2) on the day recorded as the time of sending by fax machine, if provided by fax; (3) five days after the postmark date, if provided by mail; or (4) when it is received, in any other case.

Each of the other market indices used in computing the "Scotia G7 Index" is a property of a specific stock market exchange, none of whom are associated with, nor endorse, the product.