- Effective February 8, 2012
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Scotia® GIC with Flex
(Non-Registered, TFSA: Minimum $1,000,$5,000 for monthly income)Redemption Schedule^ Term Rate^^ 1 to 89 days 90 days up to 1 yr 1 yr up to 2 yrs 2 yrs up to 3 yrs 2 Years 1.40% 0.00% 0.00% 0.25% N/A 3 Years 1.60% 0.00% 0.00% 0.25% 0.25% Accelerated Rate GIC
(Non-Registered, RRSP, RRIF: Minimum $1,000)Term Current Annual Interest Rate Year 1 1.0000% Year 2 1.2500% Year 3 2.0000% Year 4 2.7500% Year 5 4.5000% Effective Yield 2.2923% The Ultimate Laddered™ GIC
(Non-Registered, RRSP, RRIF: Minimum $5,000)3 Years 1.7000% 5 Years 2.3000% Scotia Stock-Indexed GIC (SIGIC)
Information Applicable To Next Issue
(Minimum Investment Amount: $1,000)Option Term Next Issue Date Interim Interest Rate* Maximum
Return†Canadian SIGIC
- Current Index Values - Historical Performance3 Year March 5, 2012 1.25% 12.00% Long Term Non-Redeemable GICs
(Non-Registered:Annual, Semi-Annual Minimum $1,000 / Monthly Minimum $5,000, RRSPs/RRIFs: Minimum $1,000)Term Compounded Annually** Paid Annually 1 Year 0.9000% 0.9000% 18 Months 0.9500% N/A 2 Years 1.1000% 1.1000% 3 Years 1.2500% 1.2500% 4 Years 1.4000% 1.4000% 5 Years 1.7500% 1.7500% Term Compounded Semi-Annually Paid Semi-Annually 1 Year 0.775% 0.775% 18 Months N/A N/A 2 Years 0.975% 0.975% 3 Years 1.125% 1.125% 4 Years 1.275% 1.275% 5 Years 1.625% 1.625% Term Paid Monthly 1 Year 0.650% 18 Months N/A 2 Years 0.850% 3 Years 1.000% 4 Years 1.150% 5 Years 1.500% Short Term Non-Redeemable GICs
(Non-Registered: Minimum $5,000, 30 days, RRSPs/RRIFs: Minimum $1,000, 90 days)Term Current Annual Interest Rate (Paid at Maturity) 30-59 days 0.1500% 60-89 days 0.1500% 90-119 days 0.1500% 120-149 days 0.1500% 150-179 days 0.1500% 180-269 days 0.2000% 270-364 days 0.2000% Cashable GICs
(RRSP: Minimum $1,000, Non-Registered: Minimum $1,000) Current Annual Interest Rate Paid at MaturityOption Description Term Interest Rate Regular Cashable Cashable anytime after 30 days with no interest penalty 1 Year 0.1500%