Application Disclosure Statement

(whether or not d Cal

Annual the day the account is opened
nual Interest rates are in effect on
Interest Rate activated).
or Rates
Purchases 19.99%
Credit Card Chegues; 22.990
Cash advances,balance transfers and Scotia
purchases and
to standard ratl% 24.996 on
YOuF preferred annual interest rates willincrease Cheques Tf we dO not
27.99oon cash advances, balance transfers and ScotiaCredit Card
2 o
eceive yourminimum payment by the payment due date 2 or more times in any payment that Causeo
following the missed
period. This will take effect in the third statement period
we receive your minimum payments by
tne rates to increase. These rates will remain in effect until
the payment due date for 12 consecutive months.
to
If your account part of a Scotia Total Equity Plan, these higher standard rates do not apply
your acCount.
Installment Plans: up to the annual interest rate on Purchases (the exact
installment plan annual interest rate will be disclosed to vou at the time the installment plan offer 1s
made).
dye dete
Interest-free 21 days
Grace Period 3-S Ldd
You will benefit from an interest-free grace period of et feast 21 daye fer hew purchases if we
receive your balance on your monthly statement in full by the paymnent due date. This interest-free
grace period will be automatically extended to at least 25 days on your next monthly statement
whenever we do not receive your balance in full by the payment due date. Upon receipt of your
balance in full by the payment due date, this interest-free grace period will revert back to at least
21 days on your next monthly statement.

There is no interest-free grace period for cash advances,balance transfers and Scotia Credit Card
Cheques.

Minimum Interest Charges + Fees$ + $10.00 plus any overdue or overlimit

Payment amount.
(For non-Quebec residents)
Your minimum payment will include Interest Charges on
your monthly statement, plus cash
advance fee(s), plus any dishonoured payment fees, plus any
Cheque fees, plus $10.00,
dishonoured Scotia Credit Card

For residents of Quebec:

Is the
greater of 5% of the outstanding New Balance on your
overdue or overlimit amount. statement or $10.00 plus any
For all residents:
Inaddition, amounts showing on your monthly statement as
immediately and will be added to the minimum OVERDUE or OVERLIMIT must be paid
payment.
If you have an installment plan on
your
the Current Installment Payment due account, in addition, your Minimum Payment will include
each month.
If your balance is less than the
above, the minimum paymnent will equal the balance.
Foreign 2.50%
Currency