Scotiabank Passport Visa Infinite Card Welcome Kit

Infinite account (the “Account”) each year (12-months). Annualperiod starts from the Account open date and resets every 12 monthsthereafter. You will earn 2,000 bonus Scotia Rewards points for everyadditional 10,000 in purchases thereafter in that same year, after the 40,000 annual spend has been reached. These bonus points are onlyearned on purchases. Bonus Scotia Rewards points are not awarded forcash advances, balance transfers, Scotia Credit Card Cheques, cash-liketransactions, payments, returns, refunds or other similar credits, fees,interest or other charges. Bonus Scotia Rewards points will be applied within two statement cyclesafter you have met the 40,000 annual spend threshold on the Accountor within two statement cycles after you have met each additional 10,000 annual spend threshold on the Account, provided your Accountis open and in good standing. Scotia Rewards Travel Service booking site provided by a duly licensed3rd party travel agent. Visit scotiarewards.com for full details.3 We will not charge you Foreign Transaction Fees on foreign currencytransactions including purchases, only the exchange rate applies. Theterm “Foreign Transaction Fees” is a substitute for “Foreign CurrencyConversion” as described in the Disclosure Statement for this Card.This fee relates to the 2.5% mark-up that is typically charged by creditcard issuers in addition to the exchange rate. See the Foreign CurrencyConversion section of the Disclosure Statement for this Card for fulldetails. Rates and fees are subject to change.4 Priority Pass membership is for the Primary Cardmember on theScotiabank Passport Visa Infinite account. It includes access to airportlounges participating in the Priority Pass program. Certain terms,conditions and exclusions apply. Unless cancelled, Priority Passmembership automatically renews on its anniversary date. PriorityPass membership will be cancelled if your Scotiabank Passport VisaInfinite Card is cancelled. If your Scotiabank Passport Visa Infinite Cardis renewed or replaced, remember to advise Priority Pass by phone(contact details included in your welcome kit or at prioritypass.com)and provide them with your updated account details. Lounge visitsare counted on a per person per visit basis (e.g. Lounge access by aCardmember and one accompanying guest will count as two (2) visits).The first 6 lounge visits for the primary Cardmember per 12-month cyclefrom date of enrolment are complimentary. Beginning with the 7th visitfor the primary Cardmember, lounge visits are subject to a per personper visit charge of 32 USD (this per visit fee is subject to change byPriority Pass). For complete Priority Pass terms and conditions, pleasevisit prioritypass.com/Conditions-of-use.cfm. PriorityPass membership and services are provided by a third party and offeredthrough Visa Canada. The Bank of Nova Scotia and its affiliates are notresponsible for Priority Pass membership and services.56T he savings of up to 25% applies to Avis base rates and is applicable onlyto the time and mileage charges of the rental. All taxes, fees (includingbut not limited to Air Conditioning Excise Recovery Fee, ConcessionRecovery Fee, Vehicle License Recovery Fee, Energy Recovery Fee, TireManagement Fee, and Frequent Traveler Fee) and surcharges (includingbut not limited to Customer Facility Charge and Environmental FeeRecovery Charge) are extra. Avis Preferred Plus membership and servicesare provided by a third party. The Bank of Nova Scotia and its affiliatesare not responsible for Avis Preferred Plus membership and services.7Y ou must be an eligible Visa Infinite Cardholder with a valid Visa InfiniteCard to take advantage of the Visa Infinite benefits and services.Discounts and benefits are non-transferable and discounts cannot becombined with any other offer or discount. Visa reserves the right to8

modify or cancel offers at any time and without notice. Neither Visa northe Issuer is responsible for any claims or damages arising from use ofany benefits or services provided by a third party. All offers, benefits andservices are subject to complete terms and conditions, including thirdparty suppliers’ terms and conditions (available at visainfinite.ca/infinite/en/terms.html). The Visa Infinite privacy notice (availableat visa.ca/en CA/legal/global-privacy-notice.html)applies to all benefits and services that require enrolment through, orare otherwise provided by, the Visa Infinite Concierge or the Visa Infinitewebsite. The collection, use and disclosure of Cardholders’ personalinformation by third party suppliers of services and benefits to VisaInfinite Cardholders are subject to such third parties’ own privacy policies.C ommon Carrier Travel Accident Insurance and Travel EmergencyMedical Insurance is underwritten by The Manufacturers Life InsuranceCompany (Manulife). All other coverages are underwritten by Manulifeand its subsidiary First North American Insurance Company (FNAIC). TheBank of Nova Scotia is not an insurer. All claims for insurance indemnitiesmust be forwarded to the administrator. Details of the coverage,including definitions, benefits, limitations, and exclusions, are in theenclosed Certificate of Insurance and Terms and Conditions. Read theCertificates of Insurance and Terms and Conditions and keep them in asafe place with your other valuable documents.8 Scotia Credit Card Protection is underwritten by Chubb Life InsuranceCompany of Canada under a Group Policy issued to The Bank of NovaScotia. All coverage is subject to the terms and conditions outlined inthe Certificate of Insurance which you will receive upon enrolment.910A waiting period and pre-existing conditions apply to certain coverages.Critical Illness, Disability, Job Loss and Strike or Lockout coverages endat age 70; however, Life insurance coverage remains in place until thePrimary Borrower reaches age 80. Full details of the coverage, includingwhen coverage begins and ends, how to make a claim, terms andconditions, and limitations and exclusions, are outlined in theCertificate of Insurance. Registered trademark of The Bank of Nova Scotia.TMTrademark of The Bank of Nova Scotia.* Trademark of Visa Int., used under license. Registered trademark of SCENE IP GP, used under license. 2019 Apple Inc. All rights reserved. 2019 Best Buy Canada Ltd. All rights reserved.9

Contact InformationKeep up with your accountThe information you need is alwaysclose at hand.Scotiabank Passport Visa Infinite Customer ServiceFor general information:In Canada & U.S.All other areas (collect)1-888-999-2718416-288-4676Visa Assistance Centre (VAC)For emergency card replacements/cash:In Canada & U.S.All other areas (collect)1-800-VISA-911416-581-999424-Hour Travel Emergency Medical InsuranceAssistanceIn Canada & U.S.Outside Canada & U.S. (collect)1-800-263-0997416-977-1552To Report All Other Insurance ClaimsIn Canada & U.S.Outside Canada & U.S. (collect)1-800-263-0997416-977-1552Visa Infinite Concierge ServiceIn Canada & U.S.1-888-853-4458Outside Canada & U.S. (collect)1-630-350-4543Scotia Credit Card ProtectionIn Canada1-855-753-4272TeleScotia Telephone BankingIn Canada & U.S.101-800-267-1234

Privacy CommitmentScotiabank’s Privacy CommitmentSince 1832, Scotiabank’s business and reputationhave been built on trusted relationships with ourcustomers, employees, and other stakeholders. Theprotection of information in our custody is a criticalcomponent of these trusted relationships.As part of our ongoing commitment to fosteringand maintaining trust, Scotiabank has established arobust privacy program that is designed to protectthe personal information entrusted to us.We work hard to: Be Accountable: We have established afoundational privacy framework that sets out thestructure and accountability for the treatment ofpersonal information across the Bank. Our privacyframework is overseen by a dedicated PrivacyOffice, led by our Chief Privacy Officer, that setsand maintains Scotiabank’s privacy program. Be Safe: We have implemented measures designedto protect the personal information that has beenentrusted to us. Be Respectful: We collect, use, and disclosepersonal information in a manner that is fair,ethical and non-discriminatory. Be Useful: We use information to deliver value,enhance the banking experience, and to manageour business. Be Adaptable: We monitor privacy and dataprotection laws, standards and industry practicesso that we can provide our products and servicesin a privacy-respectful manner. Be Transparent: We explain how we handlepersonal information in a clear and easilyaccessible manner.Our Privacy Agreement describes how we treatpersonal information including the types of personalinformation we collect, when and why we collect anduse personal information, and the circumstanceswhen we share and disclose it. For a full copy of ourPrivacy Agreement, please y.htmlor a Scotiabank Branch.11

Terms and ConditionsScotia Rewards Program Terms& ConditionsThese are the terms and conditions for the ScotiaRewards program (the “Program”) that apply to thefollowing cards: Scotiabank PassportTM Visa Infinite*Card, Scotiabank PassportTM Visa Infinite Business*Card, ScotiaGold Passport Visa* Card, ScotiaGoldPassport for business Visa* Card and Scotiabank Rewards Visa* Card (each a “Program Card”or “Card”) issued by The Bank of Nova Scotia(“Scotiabank”).Other Definitions that you should know:Cardmember or Scotia Rewards Cardmember:An individual that has a Program Card.Co-Borrower: The secondary borrower on a jointProgram Card Account. A Co-Borrower is also a“Cardmember”.Primary Scotia Rewards Cardmember or PrimaryCardmember: The individual in whose name aProgram Card Account is opened and who is the firstor primary name on that Account.Program Site: The site where you can gain access tothe Program (currently located at scotiarewards.com).Supplementary Cardmember: An additionalCardmember on your Program Card Account that isnot the Primary Scotia Rewards Cardmember or theCo-Borrower. Also known as an “authorized user”.Your name: The name of the Primary Cardmemberor Co-Borrower.A. Participation Requirements and Use of PersonalInformationThe Program is automatically available to each of theProgram Cards and the accounts associated withthose Program Cards (the “Program Card Accounts” or“Accounts”), as long as the Cards and Accounts are ingood standing1.The Program is offered at no extra cost on theProgram Card with no additional application orenrolment required.As a Scotia Rewards Cardmember, you canreceive communications with updates and specialoffers as part of the Program by signing up atscotiarewards.com, or by telephone through ourScotia Rewards Centre, or we may allow you toreceive updates and special offers by other methods.12

Terms and ConditionsAs a customer of Scotiabank and a Scotia RewardsCardmember, the Scotiabank Privacy Agreementprotects your privacy and your personal information.B. Earning and Redeeming Scotia Rewards Pointsand Adding Delegates1. Earning PointsThe Program is based on a points system of “ScotiaRewards points”. Scotia Rewards points are alsoreferred to as “points”.You are awarded one (1) Scotia Rewards point forevery 1.00 in purchases of goods and servicescharged to a ScotiaGold Passport Visa Card accountor a ScotiaGold Passport for business Visa Cardaccount.You are awarded one (1) Scotia Rewards point forevery 2.00 in purchases of goods and servicescharged to a Scotiabank Rewards Visa Card account.You are awarded two (2) Scotia Rewards pointsfor every 1.00 in grocery, dining, entertainmentand daily transit purchases charged and postedto the Scotiabank Passport Visa Infinite Account(the “Accelerated Earn Rates”) as more particularlydescribed below:Grocery, Dining, Entertainment and Daily TransitPurchases:Eligible grocery stores and dining purchases(including Grocery Stores and Supermarkets;Eating Places and Restaurants, Drinking Places,Fast Food Restaurant); entertainment purchases(including Motion Picture Theaters, TheatricalProducers, Ticket Agencies, Bands, Orchestras,Miscellaneous Entertainers;) and daily transitpurchases (including Local and SuburbanCommuter Passenger Transportation such asFerries, Passenger Railways, Taxicabs andLimousines, Bus Lines, Transportation Services([Not Elsewhere Classified]).You are awarded one (1) Scotia Rewards point forevery 1.00 in all other purchases of goods andservices charged to the Scotiabank Passport VisaInfinite Account (the “Regular Earn Rate”).Spend Threshold for the Accelerated Earn Rate(Scotiabank Passport Visa Infinite Accounts only):The Accelerated Earn Rate for the ScotiabankPassport Visa Infinite Account applies to the first 50,000 in purchases charged to that Account13

Terms and Conditionsannually at merchants qualifying for the AcceleratedEarn Rate (under the categories of grocery stores anddining, entertainment and daily transit purchases asmore particularly described above), with the annualperiod calculated on a 12-month basis. Annualperiod starts from the Account open date and resetsevery 12 months thereafter. Once you exceed theapplicable annual spend (purchase) threshold, youwill continue earning points at the Regular EarnRate of one (1) Scotia Rewards point per 1.00 inpurchases charged to the Scotiabank Passport VisaInfinite Account.Bonus Scotia Rewards points on Spend Thresholds(Scotiabank Passport Visa Accounts only):You are awarded ten thousand (10,000) bonus ScotiaRewards points for the first 40,000 (forty-thousanddollars) in purchases of goods or services postedto your Scotiabank Passport Visa Infinite Accountannually (each year [12-months]).Annual period starts from the Account open dateand resets every 12 months thereafter.You are then awarded two thousand (2,000) bonusScotia Rewards points for every additional 10,000(ten thousand dollars) in purchases of goods orservices posted to your Scotiabank Passport VisaInfinite Account thereafter in that same 12-monthyear, after the first 40,000 in annual purchases hasbeen reached.Any bonus Scotia Rewards points earned will beapplied within two statement cycles after you havemet the 40,000 annual purchases threshold onthe Scotiabank Passport Visa Infinite Account orwithin two statement cycles after you have met eachadditional 10,000 annual purchases threshold onthe Account, provided that Account is open and ingood standing.For all Program Card Accounts:Points are earned only for purchases charged to theProgram Card Account. Scotia Rewards points arenot awarded for cash advances, balance transfers,Scotia Credit Card Cheques, returns, refunds orother similar credits, payments, fees, interest, orother charges.Cash advances include cash-like transactions, whichare monetary transactions posted to your ProgramCard Account and include wire transfers, foreigncurrency, travelers cheques, money orders andgaming chips.14

Terms and ConditionsScotia Rewards points will be added to a ProgramCard Account shortly after a debit transaction for apurchase has been posted to that Account, and willbe deducted (or cancelled) from the Program CardAccount if a credit for any returned purchase (orsimilar credit such as a refund or credit voucher) isposted to that Account or for any other adjustmentsto previously billed purchases.Scotia Rewards points will not be posted to aProgram Card Account that is not in good standing1or to a Program Card Account that is not open at thetime of posting.Purchases made by a Supplementary Cardmemberwill earn points for the benefit of the Primary ScotiaRewards Cardmember on the Program Card Account(and any Co-Borrower on that Account).Supplementary Cardmembers earn the samenumber of points on purchases as the Primary ScotiaRewards Cardmember (and Co-Borrower) earns,unless we advise you otherwise.Checking your Points Balance:Every month, the statement for the Program CardAccount will detail the number of points earnedsince the previous statement (for the prior statementperiod), the balance of points carried forwardfrom a previous statement (for the prior statementperiod), the number of points redeemed or adjustedin that statement (for the prior statement period)and the new Scotia Rewards points balance forthe Program Card Account. Scotia Rewards pointsinformation for a Program Card Account is alsoavailable to the Primary Scotia Rewards Cardmember(or Co-Borrower) by registering and logging intoscotiarewards.com where points balances areupdated daily, based on the transactions that havebeen posted to the Program Card Account as of thatdate. Transactions may require several business daysto be posted to the Account and the points balanceshown may not always be up to date.2. Redeeming PointsScotia Rewards points can only be redeemed as setout in these terms and conditions. Redemptionsof Scotia Rewards points can be made for a travelpurchase (also referred to as a travel booking),merchandise and other non-travel rewards such asgift cards, pre-paid cards or other items/goods andservices as described in these terms and conditions.15

Terms and ConditionsScotia Rewards Cardmember who redeem ScotiaRewards points are responsible for any taxesassociated with their redemption and if applicable,must declare the value of those redemptions toappropriate tax authorities.3. Redeeming Points on Closed AccountsIf a Program Card Account is closed (including if youcancel a Program Card), any unredeemed ScotiaRewards points can be redeemed within 60 days ofclosing the Account(s), provided the Account is in goodstanding2, after which time the unredeemed points willbe permanently cancelled.If the Program Card Account is closed, you will not beable to redeem any points for a Post Purchase TravelRedemption.If you have multiple eligible Program Cards, you maytransfer any accumulated Scotia Rewards points toanother Scotiabank Credit Card Account that earnsScotia Rewards points before electing to close theAccount, provided the Account(s) are open and ingood standing2 and the Account(s) are in your name.If the Scotia Rewards Account is closed by Scotiabankbecause it is not in good standing1, the ScotiaRewards points associated with that Account cannotbe redeemed and will be immediately cancelled.4. Adding a DelegateA Primary Scotia Rewards Cardmember orCo-Borrower may delegate a representative toredeem points on their behalf.

As a Visa Infinite cardholder, your card provides benefits, special offers and experiences that make the things you do even better. Whether it’s travel, dining, or entertainment, these perks were created for you by Visa.7 Visa Infinite Concierge Your complimentary Visa Infinite Concierge can h