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Canadian Stock-Indexed GIC




*"Standard & Poor's" and "S&P" are trademarks of The McGraw-Hill Companies and have been licensed for use by The Bank of Nova Scotia and its subsidiary companies. "TSX" is a trademark of The Toronto Stock Exchange and has been licensed for use by The Bank of Nova Scotia and its subsidiary companies. Scotia Stock-Indexed GICs are not sponsored, endorsed, sold or promoted by Standard & Poor's or The Toronto Stock Exchange and neither party makes any representation regarding the advisibility of investing in these products.

** For issues October 10, 2000 and onwards, the starting index value is the closing value of the index two business days after the issue date

Δ This is the rate at which the GIC issue amount (the principal amount initially invested plus any interim interest earned until the issue date) will participate in the performance of the S&P/TSX60 Index. It is not an annual rate or rate of return. There is no guaranteed rate of return.

This is the total maximum return potentially available over the full term of the GIC. It is not an annual rate or rate of return. Actual return may be lower. There is no guaranteed rate of return.

The Scotia Stock-Indexed GIC (SIGIC) is non-redeemable. The GIC issue amount (the principal amount initially invested plus any interest earned until the issue date) and interest, if any, will be paid on the maturity date. Changes to the stock market index option selected will affect the amount of the potential interest payable. For SIGICs issued on or after November 20, 2007, potential interest is determined by the participation rate. For SIGICs issued prior to November 20, 2007, potential interest is determined by the maximum return. For more information on the SIGIC, the stock market index options, interest calculations and payments, please see the SIGIC Fact Sheet.


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