L'earn^™ 
Visa^* Card

Students can now get a VISA card that was designed with students in mind. The L'earn VISA^* card offers a Moneyback^® reward program and a host of other great benefits.

• Get up to a 1% Moneyback reward¹
• $0 annual fee
• Spend wisely, earn valuable rewards
• Build a good credit rating

PLUS:

The more you use your card, the more you'll get back in return.

As an example, if you were to put all of your spending on your card, and spent just over $200 per week on average over the course of a year (e.g., for books, tuition, transportation costs, utility bills or groceries), you'd receive a Moneyback reward of over $100 that year - which would be credited to your July VISA statement.

You can also use your card to pay your bills - it's one of the easiest ways to maximize your Moneyback rewards without spending any additional money. It's almost like getting a discount on monthly bills you normally have to pay anyway.

The L'earn VISA card automatically gives you a Moneyback reward of up to 1% on purchases you make with your card¹. Low Moneyback reward tiers make it easier to earn even more rewards.

Here's how the Moneyback reward program works:

A new "secured" VISA card for Students

A secured VISA option is available for Canadian citizens, landed immigrants, and foreign students. Ask at your local Scotiabank branch for more details.

Link your L'earn VISA account to your ScotiaCard^® and use TeleScotia^® Telephone Banking and Scotia OnLine® Financial Services for VISA account information.

Visa payWave™

Save time when paying for small, everyday purchases with Visa payWave. Simply wave your card over the card reader and go!³

My Mobile Wallet

My Mobile Wallet is now included with the FREE Scotiabank Mobile Banking app and lets you tap your smartphone on the terminal to pay. Just look for the Visa payWave™ symbol at the checkout.

Use Scotia Credit Card Cheques to:

• Transfer balances from gas and retail cards that charge higher interest rates.
• Pay for a large purchase, insurance premiums, medical bills, or utility bills.

Obtain cash advances at:

• Over 1 million ABMs around the world displaying the VISA/PLUS symbols.
• Over 55,000 ABMs displaying the INTERAC symbol in Canada, including Scotiabank ABMs.
• Or, access your No-Fee ScotiaGoldVISA account with your ScotiaCard when you link the two together.

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 20%^† of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event of a diagnosis of a covered Critical Illness⁺⁺, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $50,000.

This comprehensive coverage is available at a monthly premium rate of only $1.09 per $100 of the daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 70 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.

^†20% of your outstanding credit card account balance for up to 10 months up to a maximum of $5,000 per month and a total maximum of $50,000 if you are unable to work due to involuntary Job Loss, Strike or Lockout or become disabled.

⁺⁺Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age 70. Life coverage terminates at age 80.

Scotia Credit Card Protection is a group insurance policy underwritten by Chubb Life Insurance Company of Canada.

All coverage is subject to terms and conditions including limitations and exclusions which are outlined in the Certificate of Insurance which you will receive upon enrolment.