Credit Cards:No Annual Fee

• Scotia Momentum® No-Fee VISA* Card
• No-Fee Scotiabank Value™ VISA* Card
• No-Fee ScotiaGold® VISA* Card
• SCENE® VISA*
• ScotiaLine® VISA* Card

Scotia Momentum® No-Fee VISA* Card

Scotia Momentum® Cash Back and No Annual Fee

• Earn 1% on all eligible gas station, grocery store, drug store purchases and recurring bill payments¹
• Earn 0.5% on all other eligible purchases¹

Minimum Credit Limit: $500

Grace Period: Interest free at least 21 days²

Interest Rate:

• 19.99% on purchases³
• 21.99% on cash advances, balance transfers³

Annual Fee: $0³

1. You will earn 1% cash back on your annual spend on gas station, grocery store and drug store purchases and on recurring payments. 1% 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). Recurring payments are defined as payments made on a monthly or regular basis automatically billed by the merchant to your Scotia Momentum No-Fee VISA card. Recurring payments are typically telecommunication, insurance, membership, subscriptions etc. purchases. Not all merchants offer recurring payments. (Please check with your merchant to see if they offer recurring payments on VISA cards.) 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. You will earn 0.5% cash back on all other eligible purchases made with the card. Purchase returns, payments, cash advances, balance transfers, Scotia® VISA Cheques, credit vouchers, card fees, interest charges or service/transaction charges do not qualify for cash back.
2. Not including cash advances, balance transfers and Scotia VISA cheques. Provided you pay your balance in full each month, by the payment due date.
3. Interest rates, annual fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

No-Fee Scotiabank Value™ VISA* Card

Low Rate and No Annual Fee

• Save hundreds of dollars a year
• Pay down balances faster
• Simplify your monthly payments

Minimum Credit Limit: $500

Grace Period: Interest free at least 21 days¹

Interest Rate:

• 16.99%² on purchases

Annual Fee: $0²

1. Not including cash advances, balance transfers and Scotia VISA cheques. Provided you pay your balance in full each month, by the payment due date.
2. Interest rates, fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

No-Fee ScotiaGold® VISA* Card

Essential Travel Benefits

• Rental Car Collision Insurance¹
• Up to 20% discount rates at Avis Car Rental
• Emergency Travel Assistance
• Commission-free Travellers Cheques

Minimum Credit Limit: $5,000

Grace Period: Interest free at least 21 days²

Interest Rate:

• 19.99% on purchases³
• 21.99% on cash advances, balance transfers³

Annual Fee: $0³

1. For all insurance coverage's certain limitations, restrictions and exclusions apply. You will receive Certificates of Insurance, which contain a full description of coverage, when you're approved for the card.
2. Not including cash advances, balance transfers and Scotia VISA cheques. Provided you pay your balance in full each month, by the payment due date.
3. Interest rates, fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

ScotiaLine® VISA* Card

Line of Credit Benefits

• No annual fee
• Very competitive rates
• Credit limits ranging from $20,000 to $500,000
• Purchase Security and Extended Warranty Protection¹

Minimum Credit Limit: $20,000

Grace Period: Interest free at least 21 days²

Interest Rate:

• Secured rates: Scotiabank Prime Rate + 1%³
• Unsecured rates: Scotiabank Prime Rate + 4.99%³

Annual Fee: $0³

1. For all insurance coverage's certain limitations, restrictions and exclusions apply. You will receive Certificates of Insurance, which contain a full description of coverage, when you're approved for the card.
2. Not including cash advances, balance transfers and Scotia VISA cheques. Provided you pay your balance in full each month, by the payment due date.
3. Interest rates, fees and features are effective as of March 1, 2011 and are subject to change without notice. Learn more about VISA card fees and VISA card interest rates. Interest rate depends on whether the ScotiaLine VISA is secured or unsecured, subject to credit approval and the security provided. Secured rate currently at Scotiabank Prime + 1%. Unsecured rate is currently at Scotiabank Prime + 4.99%.