RULES & REGULATIONS

The transaction must be a retail purchase using any Scotiabank credit
card (cash advances made by ATM or by teller, balance transfer,
convenience cheques, fees, service charges and interest charges are
not considered eligible transactions).
Account credit /adjustment transactions and PIN-based transactions
are not eligible for entry. There will be two monthly draws running
from: March 1, 2007 to March 31, 2007 (first contest month) and
April 1, 2007 to April 30, 2007 (second contest month).

ELIGIBILITY
The contest is open to legal residents of Trinidad and Tobago 18 years
of age or older, with the exception of employees of Scotiabank
(hereinafter referred to as “The Bank”) and its respective parent
companies, subsidiaries and/or those living in the same household of
each and their immediate families (spouses, parents, children and
siblings and their respective spouses), its advertising agency, and/or
those living in the same household of each.

HOW TO ENTER
Scotiabank Credit Cardholders will automatically receive one (1) entry
for every TT$100.00 spent on purchases in the months of March and
April 2007. Entries are based on posted dates. The prizes are
determined by the amount of your monthly purchases with your
credit card. For example, if you spend TT$1,000 on your monthly
purchases you will receive 10 chances to win the prizes in category 1.
There will be 25 prizes drawn and awarded per month. The prizes
are determined by the amount of your monthly purchases with you
credit card.

The draws will be held on the 20th day of the month following the
contest month. The first contest will be drawn on April 20, 2007. The
second contest will be drawn on May 21, 2007. You can win only one
prize per each draw. Scotiabank will not be responsible for changes to
the prizes that occur outside of its control and by accepting the prize,
Scotiabank will not be responsible of any liability regarding to the
product. The warranty will be the responsibility of the supplier directly.
All prizes subject to change at the sole discretion of Scotiabank and
must be accepted as awarded. No substitutions are available. Prizes
may differ from those featured in promotional material and
advertising. Prizes cannot be substituted for any cash value. Winners
will be notified by telephone, and will be required to provide proof of
their age and to sign an Affidavit of Eligibility/Prize Acceptance and
Release within five (5) days of notification to be confirmed as a
winner. If the winner cannot be contacted by telephone within five (5)
days at a number on Scotiabank’s records, Scotiabank has the option
to draw another name. The winner’s name will be published in the
media. Winners must agree to the use of their name and photograph
without compensation in any forthcoming publicity by Scotiabank.
Winner will be responsible for any taxes, insurance and expenses not
explicitly stated as part of their prize. The draws will be conducted by
automated, random selection on the dates stated in the contest
description.

CONDITIONS/CONSUMER DISCLOSURE
Only monthly retail purchases posted to Scotiabank credit card accounts
in good standing between: March 1, 2007 and March 31, 2007 (first
contest month) or April 1, 2007 and April 30, 2007 (second contest
month) will be entered into the draws for the first contest month and
second contest month respectively. Accounts must also be in good
standing at the time of prize fulfillment.

Cash advances made by ATM or by teller, balance transfer, convenience
cheques, fees, service charges and interest charges are not considered
eligible purchases. Purchases must be processed by Scotiabank to qualify
and must be posted to the Scotiabank credit card account by March 31,
2007 (first contest month) or April 30, 2007 (second contest month).
Purchases posted to the Scotiabank credit card account after March 31,
2007 will not qualify for the first contest and after April 30, 2007 will not
qualify for the second contest.

Refunded purchases and the fraudulent claim purchases will not be
eligible purchases. Entries from unauthorized card use or made with lost,
stolen or fraudulent Scotiabank credit cards are void. Your use of your
Scotiabank credit card account to make a purchase constitutes your
consent to participate in this contest and your consent for Scotiabank to
obtain your name, address and other information for the purpose of
administering this contest and for other uses as permitted by applicable
law. Scotiabank reserves the right, in its sole discretion, to void any and
all entries of an entrant whom Scotiabank believes has attempted to
tamper with or impair the administration, security, fairness or proper play
of this contest.

This contest is approved by the National Lotteries Control Board. The
draws will be conducted in the presence of KPMG, an independent
company.

Prize Chart