Scotiabank Value^® 
Visa^* Card

The introductory 0.99% interest rate applies to cash advances (including balance transfers, Scotia® Credit Card Cheques and cash-like transactions) only (the “Offer”).  This rate applies when the new Scotiabank credit card account (“Account”) is opened by October 31, 2018 (the “Offer End Date”) and will continue for 6 months from that date (“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 0.99% interest rate on any promotional balances (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on cash advances (including balance transfers, Scotia^® Credit Card Cheques and cash-like transactions) that applies on your Account. Offer applies only to new Scotiabank credit card accounts opened by the Offer End Date. Former or current Scotiabank credit cardholders that transfer from an existing Scotiabank credit card account or re-open a closed Scotiabank credit card account are excluded from this Offer. Offer may be changed or extended and cannot be combined with any other offer.

The preferred annual interest rate for the Account are: 12.99% on Purchases and 12.99% on Cash Advances (including Balance Transfers, Scotia®Credit Card Cheques and Cash-Like Transactions). Rates and fees are subject to change.

All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.

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 January 20, 2017 and are subject to change without notice. Learn more about credit card fees and interest rates.

The Primary Cardholder on the Scotiabank Value® 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.

10% 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.