Terms and Conditions

WHAT YOU NEED TO KNOW:

The following definitions apply to these Terms and Conditions:
"Benefit" means the low rate cash advances under this Promotion.
"Cardholder" means the credit card holder.
"Promotional Period" means from January 24th 2013 to February 28th 2013 inclusive.
"Promotion" refers to this promotion and not any of the Bank's other promotions or programs.
"Scotiabank" means Scotiabank Trinidad and Tobago Limited.

1. This promotional offer is open to legal residents of Trinidad and Tobago 18 years of age or older. These terms and conditions shall be governed by the laws of Trinidad and Tobago.
2. This is a limited-time Promotion and it will run from January 24th 2013 to February 28th 2013 ("the Promotional Period").
3. Existing Scotiabank customers will be eligible to make related purchases using Low Rate cash advances via the ATM, branch or Contact Center channels at an annual rate of 12.99% (hereafter referred to as the "Promotional Interest Rate Offer"). The Promotional Interest Rate Offer is restricted to existing credit card customers whose account is in good standing and has not been blocked, frozen, stolen or fraudulently obtained, mislaid, lost, or written off, or delinquent throughout the Promotional Period or delinquent for two (2) or more cycles within the past twelve (12) months.
4. Please note that this special Promotional Interest Rate Offer is subject to credit availability, account status and the Terms and Conditions contained in your Cardholder Agreement.
5. The Low Rate cash advances will also be subject to a minimum sum of $1000. Please visit tt.scotiabank.com to confirm your available balance.
6. Should your account have a promotional interest rate and you do not make your monthly minimum payment by the due date, you will lose your promotional interest rate offer and your standard annual interest rate will apply.
7. Cash advances taken under this promotion do not qualify for any reward or rebate programs. Cash advance fees will not be waived for this Promotion.
8. These low rate cash advances cannot be used for repayment of any Scotiabank accounts.
9. This Promotional Interest Rate Offer applies to cash advances incurred on your credit card account for 90 days following the posting of the first transaction, or until the balance is paid off in full - whichever comes first. Any cash advance must occur prior to the Expiry Date of the Promotional Period, to receive this promotional rate.
10. Any cash advances remaining after the Promotional Period has expired - as well as any purchases and cash advances made at any time - are subject to your standard annual interest rate on your Scotiabank credit card account.
11. A Cardholder's benefit earned through participation in this Promotion will be forfeited in the event that the Cardholder ceases to be a Cardholder at any time during the Promotion or transaction on the card is reversed.
12. In all matters relating to the Promotion, the decision of the Bank shall be final and binding in all respects.
13. Scotiabank has the right to exclude any individual from this offer in its absolute discretion without any obligation to provide notice or reason. Cardholders who participate in this Promotion agree to maintain their Scotiabank credit card for a minimum period of 12 months from card account open date.
14. Scotiabank reserves the right in its absolute discretion to vary the terms and conditions of this Promotion or change or withdraw this Promotion at any time without giving any reason. In the event of a dispute arising from this Promotional offer, the Bank's decision is final.
15. These terms and conditions apply only to this Promotion and do not apply to any of the Bank's other promotions or programs or any other promotion or program in conjunction with the Bank and any other entity (or brand). This Promotion cannot be combined with any other offer or promotion.