Scotia Momentum^® 
Visa^* Card

The introductory 2.99% interest rate applies only to cash advances (including balance transfers, Scotia^® Credit Card Cheques and cash-like transactions) (collectively “Cash Advances”) subject to the conditions below (the “Offer”).  This rate applies when the new Scotiabank credit card account (“Account”) is opened by July 1, 2019 and will continue for 6 months from date of Account opening (the “Promotional Period”).  This Offer cannot be used to transfer a balance from another Scotiabank Account, or to make a payment or deposit to another Scotiabank Account.  After the Promotional Period, the 2.99% interest rate on any promotional balance transfers (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%).  If you don’t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances). In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges. Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.

A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.

Former or current Scotiabank credit cardholders of any kind in the past 2 years, including those that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account, are excluded from this Offer.

The current annual fee is $39 for the primary card and $15 for each additional supplementary card.

The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances.

All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or , be extended and cannot be combined with any other offers.

You will earn 2% Cash Back on the first $25,000 in purchases that are charged annually on your Scotiabank Momentum Visa Card Account (the “Account”) on gas station, grocery store and drug store purchases and on recurring payments. 2% Cash Back applies at merchants which are classified in the Visa Inc. (Visa) network as Grocery Stores & Supermarkets, Drug Stores & Pharmacies, Service Stations (with or without ancillary services), Automated Fuel Dispensers and Recurring Payments (Merchant Codes: 5411, 5541, 5542 & 5912). Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by Visa in another manner, in which case this added benefit would not apply. Recurring payments are payments made on a monthly or regular basis automatically billed by the merchant to your Account. Recurring payments are typically for purchases of subscriptions, telecommunication, insurance, gym memberships, etc. Not all merchants offer recurring payments. (Please check with the merchant to see if they offer recurring payments on Visa Accounts) You will earn 1% Cash Back on purchases made on the Account after the 2% $25,000 annual spend max has been reached. Cash Advances, balance transfers, Scotia Credit Card Cheques, returns, refunds or other similar credits, payments, fees, interest or service/transaction charges do not qualify for Scotia Momentum Cash Back.

All Scotiabank retail credit cards, except ScotiaLine Visa card, Scotiabank Value Visa card, and No-Fee Scotiabank Value Visa card, will have Visa payWave when issued or reissued. Visa payWave™ is a Trademark of Visa Int./Lic. User.

For current rates and information on fees and interest cost, call 1-888-882-8958. Interest rates, annual fees and features are effective as of February 1, 2017 and are subject to change without notice. Learn more about credit card fees and interest rates.

Insurance coverage is underwritten by Elite Insurance Company. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurer. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.

The Primary Cardholder on the Scotiabank Momentum Visa Card Account (the “Account”) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105

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.

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.

Registered Trademark of The Bank of Nova Scotia

Visa Int./Licensed User.