Legal

This legal disclosure by Scotiabank Trinidad and Tobago Limited, ("Scotiabank", "Bank"), governs the use of the Bank's World Wide Web site. Users of the Scotiabank Internet banking World Wide Web site pages (the "Work") shall only be entitled to copy the Work for their own personal use but may not republish nor reproduce any substantial part of the Work in any manner whatsoever, including electronically reproducing this Work by "uploading", "downloading" or accessing the Work on to the Internet or any other local or international computer system, without the prior written permission of Scotiabank. Certain information may be copyrighted by others. An acknowledgement of the source must be included whenever Scotiabank material is copied or published. If you require further information on a permitted use or license to reproduce or republish any material, address your inquiry to the Sales and Marketing Department, 56-58 Richmond Street, Port of Spain, Trinidad. Any infringement of Scotiabank rights will result in appropriate legal action. Scotiabank disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of this Work whatsoever.

Information on Scotiabank's WWW pages is for information purposes only and does not constitute an offer to buy or sell products or services of Scotiabank and its associates, subsidiaries and affiliates, or units of mutual funds. Not all products and services that Trinidad and Tobagon residents may be interested in are necessarily available in all regions of Trinidad and Tobago. Scotiabank's products and services are available in accordance with local law and only if they may be lawfully offered for sale in any particular jurisdiction. All Scotiabank products and services are subject to the terms of applicable agreements.

Facts and data provided by Scotiabank, its associates, subsidiaries and affiliates and other sources are believed to be reliable when posted. Scotiabank cannot guarantee that they are accurate or complete or that they will be current at all times. Information on this WWW site is not intended to provide legal, accounting or tax advice, and should not be relied upon in that regard. The Bank and its associates, subsidiaries and affiliates are not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of the use of this WWW site.

All services described in this site are subject to conditions, exclusions and limitations as established by the provider of the service. The rate bonuses are not to be used in combination with any other pricing bonuses being offered by Scotiabank or any of its associates, subsidiaries and affiliates.

Be advised that not all of the products and services set out in this site are available in all jurisdictions where The Bank of Nova Scotia and its subsidiaries and affiliates do business. In addition, such products and services will not be offered in any jurisdiction where the offer is contrary to local law. Please contact your local Scotiabank office for further details.

Access to and Use of Site

All reasonable steps have been taken to ensure the security of your personal information transmitted over the Internet. This includes the use of end-to-end encryption and online authentication. However, there remains the remote possibility of data security violations occurring. In the event of such breaches, Scotiabank and its associates, subsidiaries and affiliates will not be responsible for any damages you may suffer as a result. Scotiabank and its associates, subsidiaries and affiliates are not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of the use of this WWW site.

Complete confidentiality and security is not yet possible over the Internet. Scotiabank advises you that the Internet is not a secure medium and privacy cannot be ensured. Scotiabank and its associates, subsidiaries and affiliates will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us.

Some sites that may from time to time be accessed by hypertext appearing in this Scotiabank site may have been independently developed by parties other than Scotiabank, and Scotiabank does not guarantee the accuracy of information contained in such sites. If you access any software through links from this WWW site, you should take all necessary precautions to scan for computer viruses and for software compatibility with the specific computer system you are using. Also ensure that you have a current, complete backup of the information on your computer system prior to installing such software.

The listing of an organization in this site should not be construed as an endorsement of its services or products, and Scotiabank will not be responsible for any losses suffered in visiting those sites.

The display of trademarks herein does not imply that a license of any kind has been granted.

The following are registered trademarks of The Bank of Nova Scotia in Canada: Scotiabank; Scotia; Flying "S" and design; Scotiabank, Flying "S" and design; ScotiaGold; Powerchequing; TeleScotia; ScotiaLine; BNS. The Bank of Nova Scotia Trinidad and Tobago Limited is an authorized user of these marks.

Netscape is a registered trademark of Netscape Corporation.

Microsoft is a registered trademark of Microsoft Corporation.

All other service and product names are trademarks or registered trademarks of their respective owners.

The prime-lending rate refers to the prime-lending rate of Scotiabank.

All services described in this site are subject to conditions, exclusions and limitations as established by the provider of service.