ScotiaGold Passport® Visa* CardWelcome Kit

Your passport tooutstanding travelbenefits and rewardflexibility

You‘re richerthan you think®.

TABLE OF CONTENTS

TRAVEL BENEFITS AND MORE ........................ 3• Thank you for choosing the

ScotiaGold Passport® Visa* card ................. 3

• Enjoy travelling? .......................................... 4

• Scotia Rewards Program ............................5-8

• Your Passport to travel savings ....................9

• Your Passport includesTravel Protection ....................................10-13

• Convenience ...........................................13-15

• Scotia Credit Card Protection (optional) ....15

• Scotiabank‘s Privacy Commitment ............. 16

• Scotia Rewards® Program –Terms & Conditions ............................... 17-28

• Certificate of Purchase Security,Extended Warranty, Lost Luggage,Delayed Luggage and Hotel/Motel Burglary ...................................... 29-38

• Certificate of Common CarrierTravel Accident Insurance ..................... 39-44

• Travel Emergency MedicalCertificate of Insurance .........................45-55

• Rental Car Collision/Loss DamageCertificate of Insurance .........................56-63

• Telephone Directory ...................................64

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Travel benefitsand more

Thank you for choosing theScotiaGold Passport® Visa* card.

This Welcome Kit is your passport to all of theoutstanding features and benefits you now enjoy asa Cardmember including the Scotia Rewards®

Program, which rewards you generously withvaluable points every time you make a purchase withyour card.

And with exclusive travel rewards and services, onlinetravel booking2 and insurance coverages – you’rewell on your way to wherever you want to go. Plus,sign up for the Scotia Rewards eNewsletter atscotiarewards.com to get announcements andexclusive offers right in your inbox.

Visa payWave* – The faster way to payVisa payWave is a convenient payment featureincluded on ScotiaGold Passport Visa cards at noadditional fee. You’ll save time when paying forsmall, everyday purchases. Simply wave your cardover a special card reader and go! No swiping,signing, or entering your PIN for most purchases atparticipating merchants10.

Look for the payWave symbol at participating retailers.

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Enjoy travelling?Be sure you’ve got your passport.

Register your card at scotiarewards.com to access theonline Travel Booking Site2 for special offers and more.You can also browse your growing points balance,create a rewards wish list and more!

Make the most of your card:

• Activate your card online at scotiabank.com/activatecreditcard or by calling 1 800 806-8600

• Register at scotiarewards.com to redeem for rewardsonline and gain access to Scotia Rewards TravelService for all your travel needs

• Sign up for the Scotia Rewards eNewsletter atscotiarewards.com to get announcements andexclusive offers right in your inbox

• Add supplementary cardholders to your credit cardaccount3 – visit scotiabank.com to learn more or login to Scotia OnLine® to request a supplementarycard

• We also recommend you place the Emergency TravelAssistance card in your wallet where it will be handyshould you ever need it

If you have any questions about yourScotiaGold Passport Visa card, please feel freeto call us at 1 800 387-6508. We’re available24 hours a day.

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The Scotia Rewards Program

Reward yourself

As a ScotiaGold Passport Visa Cardmember, yourautomatic membership in the Scotia Rewards Programgives you access to an exciting selection of rewards.These include an incredible array of flexible traveloptions, brand-name merchandise, gift cards and VisaPrepaid Cards. And it’s easy to redeem. Just visit theScotia Rewards website at scotiarewards.com or callthe Scotia Rewards Centre at 1 800 665-2582 andyour reward will be on its way to you in no time.

Earn Points faster every day

You could earn thousands of Scotia Rewards points1

with these simple steps:

• Use your card for everyday purchases: at themovies, in stores and restaurants, to buy plane ortrain tickets, at sports/leisure events and to buy gasor groceries.

• Use your card to pay your monthly bills: mostcompanies now accept pre-authorized payments:telephone bills, newspaper and magazinesubscriptions, cable and Internet service fees,membership fees, and more.

With so many opportunities to use your ScotiaGoldPassport Visa card, earning Scotia Rewards pointsis easy.

Rewards are even more fun when there’s lots tochoose from

Our Scotia Rewards program offers you an outstandingchoice of exciting rewards ranging from flexible travelto quality merchandise, gift cards, and Visa PrepaidCards.

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Travel Rewards

Your ScotiaGold Passport Visa card provides you withthe convenience of an online Travel Booking Site2

and access to our full-service travel agency. TheScotia Rewards Travel Service2 will help take youanywhere you want to go. From flights to hotels andrental cars to cruises and all-inclusive packages,Scotia Rewards Travel Service will help you create thegetaway you want, so your trip is one to remember.

Redeeming points for travel

Flexibility and convenience to see the world.

With your ScotiaGold Passport Visa card in hand, theworld is at your feet. That’s because you have arange of flexible options when it comes toredeeming for the travel rewards you want. Fromairfare to cruises to package holidays, and everythingin between, there are three ways you can pay.

1. Use your points: If you’ve earned all the pointsyou need, redeem them for your complete trip –including taxes and surcharges.

2. Use your card: You can always use your card tocover the full amount of your travel. And you’ll earnrewards points for every dollar you charge.

3. Combine points and payment: Short a fewpoints? Want to save some for later? You can payfor your travel with a combination of accumulatedpoints and a charge to your card.

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Book your travel, then redeem points for yourpurchase.

If you find a great deal or if you prefer to make yourown travel arrangements – through a website, travelagent, airline or another source – you can put thePost-Purchase Travel Redemption benefit to work foryou. Simply pay for your trip using your card, then callus or go online at scotiarewards.com to redeempoints for your purchase.

5% Cash Back on travel4

When you book your travel through the ScotiaRewards Travel Booking Site or with a Scotia Rewardstravel representative, any portion you charge to yourScotiaGold Passport Visa card will earn a 5% CashBack rebate. Eligible expenses include airline tickets,pre-packaged tours and cruises. Taxes, service charges,insurance, hotels, motels, car rentals and personalexpenditures such as meals are excluded, unlessalready included in pre-packaged tours.

The 5% Cash Back will be automatically credited toyour ScotiaGold Passport Visa account within twobilling cycles following your departure date.

To book travel or learn more about the Scotia RewardsTravel Service, visit scotiarewards.com or call1-800-665-2582 to access our full-service travelagency.

Merchandise and Gift Cards

You can also choose yourpersonal reward from a vastselection of brand-namemerchandise items thatinclude electronics,recreational and householdgoods, toys and muchmore. Or you could redeemyour points toward VisaPrepaid Cards.

Visit scotiarewards.com to find more rewards.

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Redeem points for a credit

Scotia Rewards points can be redeemed online for acredit to your Scotiabank credit card account.

Redeem your Points… it’s easy

Redeeming Scotia Rewards points is now as close asyour computer. You can access your Scotia Rewardsaccount at scotiarewards.com, to book your travelonline, browse through the latest rewards or checkout our special offers that are updated frequently.Then, order merchandise items and Visa PrepaidCards.

In addition to ordering your rewards online, ourwebsite offers many other convenient features suchas:

• Email notification option to inform you of specialonline offers, and more.

• A listing of your Scotia Rewards points.

• A search option that lists Scotia Rewards by pointsor category.

• A history of the rewards you have redeemed.

• A direct link with our courier service to track theshipping status of your order.

Easily order your rewards by:

• Visiting scotiarewards.com to book travel, ordermerchandise or Visa Prepaid Cards any time of theday or night; or

• Calling 1 800 665-2582 any time of the day ornight to use our Interactive Telephone RewardsService to order merchandise and gift cards or

• Calling 1 800 665-2582 between 8 a.m. and 8p.m. E.S.T. Monday to Sunday to book your travelrewards or to speak with a Scotia Rewardsrepresentative.

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Scotia Rewards – a truly exceptionalrewards program

For complete details of the Scotia Rewards program,refer to the Terms and Conditions on the insertincluded in this package, or you can find them atscotiarewards.com.

Your Passport to travel savings

Commission-free AMEX Travellers Cheques

There is usually a 1.25% commission charge ontravellers cheques. ScotiaGold Passport VisaCardmembers can buy Amex travellers cheques†commission-free at any Scotiabank branch. Just showyour ScotiaGold Passport Visa card.

Save on car rentals

As a ScotiaGold Passport Visa cardholder, you can saveup to 25% off base rates at participating AVISlocations and at participating Budget locations inCanada and the U.S. when you pay with yourScotiaGold Passport Visa card.

AVIS reservations may be made online atavis.com/scotiabankpassportvisa or by calling1-800-TRY AVIS (879-2847). Please quote AVISworldwide discount number C030500. BudgetReservations may be made online atbudget.com/scotiabankpassportvisa or by calling1-800-268-8900. Please quote Budget CorporateDiscount number A363308.

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Your Passport includes Travel Protection

Travel emergency medical insurance5

For Primary Cardmembers under 65 years of age

You, your spouse under age 65 and accompanyingunmarried dependent children are each automaticallycovered for up to $1 million in excess emergencymedical coverage (over and above what your provincialgovernment pays and in co-operation with any privatehealth plans) if sudden and unexpected illness oraccidental injury should occur while travelling outsideyour province or territory of residence in Canada.

Coverage is automatically provided for eligible personsfor trips of 25 days or less in length and includeseligible expenses for hospital care, nursing care,prescription drugs, licensed ambulances andphysicians’ and surgeons’ fees, as well as other eligiblemedical services and supplies.

The coverage also provides 24-hour emergencyassistance to find medical help, to authorize paymentsto medical suppliers, and even to help you contactyour own physician, employer and relatives.

If you are travelling for more than 25 days but notmore than 45 days, you can purchase extensioncoverage from Scotia® Assist prior to yourdeparture by calling 416-977-1552 or1 800 263-0997. If you do not purchase thiscoverage or your trip is more than 45 days, nopart of your trip will be covered by the ScotiaGoldTravel Emergency Medical Insurance.

If your trip is more than 45 days, we recommendyou purchase coverage for the entire duration ofyour trip prior to leaving your province orterritory of residence. You can purchase by callingthe Scotia Travel Medical Insurance Plan at1 877 421-0157.

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Rental car collision insurance5

When you charge the entire cost of an eligible carrental from any licensed auto rental agency to yourScotiaGold Passport Visa card and decline the agency’scollision damage waiver (or similar provision) at thetime of rental, you’ll be insured for up to the full valueof the vehicle against damage, loss or theft of therental car.

Common carrier travel accident insurance(Worldwide)5

When you charge at least 75% of the full commoncarrier travel fares to your ScotiaGold Passport Visacard, you, your spouse and unmarried dependentchildren will be automatically insured against accidentalloss of life, or dismemberment – up to a maximum of$500,000.

Valid common carrier fares include fares for anylicensed public conveyance such as airplanes, cruiseships, trains or buses.

See the enclosed Insurance Certificates for fulldetails of all ScotiaGold Passport insurancecoverages, including terms, conditions, age andcoverage restrictions, and exclusions.

Hotel/motel burglary insurance(Canada and the U.S. only)5

When you check into any hotel or motel inCanada or the U.S., and charge your stay to yourScotiaGold Passport Visa card, you’ll be eligible forautomatic coverage against theft of your coveredpersonal property if your room is broken into. Shouldyour claim exceed a total of the amount paid orpayable by the hotel, and/or by any relevant insurance,your ScotiaGold coverage picks up the balance, up to amaximum of $1,000.

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Lost and delayed luggage insurance5

When you purchase common carrier tickets with yourScotiaGold Passport Visa card, you are eligible forcoverage against the loss or the delay of your checkedluggage. The lost luggage benefit is limited to thelesser of the value of the covered luggage or theamount equal to the cash reimbursement made by thecarrier, to a combined maximum of $1,250. The carriermust provide you with a cash settlement beforeScotiaGold Passport Visa coverage will pay any benefit.The delayed luggage benefit is limited to $1,000 for allinsured persons on the same trip for the cost ofreplacing essential items if your checked luggage is notdelivered within four (4) hours from your time ofarrival at your final destination.

Emergency cash and card replacement service

Should your ScotiaGold Passport Visa card ever belost or stolen, report the loss to ensure your accountis immediately blocked. Simply call the Visa AssistanceCentre (VAC) toll-free at 1 800 847-2911 in Canadaand the continental U.S. or collect at 410-581-9994for all other areas. Once the report is filed, VAC willoffer you the following services:

• A temporary Emergency Replacement Card within24 hours to a location in Canada and the U.S., andwithin one business day in other areas

• Up to $5,000 in Emergency Cash (subject to youravailable credit). Emergency cash will be providedby VAC through the worldwide Visa network ofemergency service locations, Western Union Officesand wire transfer services

For your records, a copy of the Lost or Stolen Cardreport will be mailed to you.

Scotia Assist†† is your card’s connection withpeople who can help in an emergency. It providesyou with a comprehensive array of emergencyservices while travelling worldwide:

Emergency ticket replacement

Scotia Assist will look after booking emergencycommon carrier tickets – for pickup at theairport/common carrier terminal or delivery straight toyou. Scotia Assist can also help you with lost ticketreimbursement procedures. Any charges incurred foremergency replacement tickets will be applied to yourScotiaGold Passport Visa account.

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Emergency message service

While travelling, take advantage of Scotia Assist’s24-hour toll-free telephone service to leave emergencymessages or receive messages sent to you. ContactScotia Assist for procedures.

All the travel assistance services listed above extend toyou, your spouse and dependent children (wheneverthey are travelling with you).

Prescription arrangement and valuabledocument delivery

If you need prescribed medication while travelling,Scotia Assist will arrange to have the prescription filledat the nearest pharmacy, when permitted by law andapproved by your doctor. You have the option ofcharging the bill directly to your ScotiaGold PassportVisa account. As well, if you happen to leave criticaldocuments at home or while in transit, Scotia Assistcan have them sent to you by courier. The cost of anyprescription and any delivery is, however, yourresponsibility.

Legal assistance

In the event that you require immediate legalassistance, Scotia Assist will:

• Provide you with the name, address and telephonenumber of local lawyers or, if necessary, Canadianembassies or consulates.

• Remain in contact with you, your relatives, friends,and/or business associates until contact with legalcounsel has been arranged.

• Coordinate bail payment by transferring personalfunds to your location, or arranging a cash advanceon your ScotiaGold Passport Visa card.Representatives will then follow up to ensure thematter has been appropriately handled.

Convenience

Purchase Security and Extended Warranty5

Purchase Security will replace, repair, or reimburseyou for almost any item of personal property thatis stolen, damaged or destroyed anywhere in theworld – as long as you purchased it entirely with yourScotiaGold Passport Visa card. Coverage extends forthe first 90 days from the date of purchase and is inexcess of any other insurance coverage.

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On most retail purchases made entirely with yourScotiaGold Passport Visa card, the extended warrantyPlan doubles the manufacturer’s written warranty to amaximum of one additional year. Items covered by amanufacturer’s warranty of five years or more must beregistered for the extended warranty Plan within thefirst year of purchase.

Visa Zero Liability Policy

Use your ScotiaGold Passport Visa card to shopanywhere--whether it’s on the Internet or in astore--and you are protected from unauthorized use ofyour Visa card. The Visa Zero Liability policy eliminatesconsumer liability for fraudulent transactions!

Certain restrictions and exclusions apply. Please visitvisa.ca for a full description of the Visa Zero LiabilityPolicy or refer to the section in your Revolving CreditAgreement that refers to “unauthorized use of yourcard” for more details.

Instant cash advance (Worldwide)

You can use your ScotiaGold Passport Visa card to getinstant cash advances up to your available credit limit,at any of 465,000 offices of financial institutionsworldwide displaying the Visa symbol.

Click, call or visit

You know how valuable your time is and so do we.You can access your ScotiaGold Passport Visa accountinformation through Scotia OnLine Financial Services,and TeleScotia® Telephone Banking Services

• Obtain account balances

• Pay your ScotiaGold Passport Visa account

• Transfer funds between credit and deposit accounts

• Pay bills or post-date payments for over 6,000 billpayment companies

For more information or to register, just call1 800 4SCOTIA or visit scotiabank.com.

Automated banking machines

You can also use your ScotiaGold Passport Visa cardto obtain up to $2,000 per day through over 1 milliondesignated Automatic Banking Machines (ABMs)worldwide. Cash advances can be obtained at anyABM displaying one or more of the following symbols:In Canada, look for the Interac** symbols; outsideCanada, look for banking machines displaying the Visaor PLUS* symbols.

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Online and mobile banking

Bank anytime, anywhere with Scotia OnLine andMobile Banking. You’re protected by our OnlineSecurity Guarantee6, which lets you bank securelyonline. Check your balance, pay bills, transfer money,and see your rewards—all at your convenience. Gopaperless to receive e-Statements and sign up forScotia® InfoAlerts7 to stay on top of your accounts.You can even set up travel notifications while you’reaway, and more.

TELESCOTIA telephone banking (1 800 267-1234)

Whether you’re at home, the office or across thecountry, TeleScotia gives you the freedom to bank byphone, 24 hours a day. You can pay bills, transferfunds, postdate bill payments and transfers betweenaccounts, up to 1 year in advance.

Scotia Credit Card Protection Insurance (optional)

Protecting tomorrow

This optional insurance coverage can provide you andyour family financial protection by paying off youroutstanding account balance or helping to cover yourmonthly credit card payments as a result of certainunexpected life events.

There are two different coverage bundles to choosefrom:

ProtectionBundles

Basic Protection ComprehensiveProtection

Benefits • Death Benefit• Critical Illness

Benefit• Hospitalization

Benefit

• Death Benefit• Critical Illness

Benefit• Hospitalization

Benefit• Disability Benefit• Job Loss Benefit• Strike or Lockout

Benefit

To Learn More, please visit Scotiabank.com/insurance andnavigate to Scotia Credit Card Protection

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Scotiabank's Privacy Commitment

Since 1832, Scotiabank’s business and reputation havebeen built on trusted relationships with our customers,employees, and other stakeholders. The protection ofinformation in our custody is a critical component ofthese trusted relationships.As part of our ongoing commitment to fostering andmaintaining trust, Scotiabank has established a robustprivacy program that is designed to protect thepersonal 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 Privacy Office,led by our Chief Privacy Officer, that sets andmaintains 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, ethicaland non-discriminatory.

• Be Useful: We use information to deliver value,enhance the banking experience, and to manage ourbusiness.

• Be Adaptable: We monitor privacy and dataprotection laws, standards and industry practices sothat we can provide our products and services in aprivacy-respectful manner.

• Be Transparent: We explain how we handlepersonal information in a clear and easily accessiblemanner.

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 circumstances whenwe share and disclose it. For a full copy of our PrivacyAgreement, please visit:

https://www.scotiabank.com/ca/en/about/contact-us/privacy.html or a Scotiabank Branch.

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Terms & Conditions

Scotia Rewards Program – Terms & Conditions forScotiabank® Visa* CardmembersThese are the terms and conditions for the ScotiaRewards® program (the “Program”) that apply to thefollowing cards: ScotiaGold Passport® Visa* Card,ScotiaGold Passport® for business Visa* Card andScotiabank® Rewards Visa* Card (each a “ProgramCard” or “Card”) issued by The Bank of Nova Scotia(“Scotiabank”).Other Definitions that you should know:

Cardmember or Scotia Rewards Cardmember: Anindividual that has a Program Card.

Co-Borrower: The secondary borrower on a jointProgram Card Account.

Primary Scotia Rewards Cardmember or PrimaryCardmember: The individual in whose name aProgram Card Account is opened and who is the firstname 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 Cardmember,Co-Borrower or name of the business.

A. Participation Requirements and Use of PersonalInformation

The Program is automatically available to each of theabove Program Cards and the accounts associatedwith those Program Cards (the “Program CardAccounts” or “Accounts”), so long as the Cards andAccounts are in good standing1.The Program is offered at no extra cost on theProgram Card with no additional application orenrollment required.As a Scotia Rewards Cardmember, you can receivecommunications with updates and special offers aspart of the Program by signing up atscotiarewards.com, or by telephone through our ScotiaRewards Program Site, or we may allow you to receiveupdates and special offers by other methods. As acustomer of Scotiabank and a Scotia RewardsCardmember, the Scotiabank Privacy Agreementprotects your privacy and your personal information.

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B. Earning and Redeeming Scotia Rewards Pointsand Adding Delegates

1. 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 account ora ScotiaGold Passport for business Visa Card account.

You are awarded one (1) Scotia Rewards point forevery $2.00 in purchases of goods and servicescharged to a Scotiabank Rewards Visa Card account.For all Program Card Accounts:Points are earned only for purchases charged to theProgram Card Account. Scotia Rewards points are notawarded for cash advances, balance transfers, Scotia®

Credit Card Cheques, returns, refunds or other similarcredits, payments, fees, interest, or other charges.Cash advances include cash-like transactions which aremonetary transactions posted to your Program CardAccount and include wire transfers, foreign currency,travelers cheques, money orders and gaming chips.Scotia Rewards points will be added to a Program CardAccount shortly after a debit transaction for apurchase has been posted to that Account, and will bededucted (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 adjustments topreviously billed purchases.Scotia Rewards points will not be posted to a ProgramCard Account that is not in good standing1 or to aProgram Card Account that is not open at the time ofposting.Purchases made by a Supplementary Cardmember willearn 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 same numberof points on purchases as the Primary Scotia RewardsCardmember (and Co-Borrower) earn, unless weadvise you otherwise.

Checking your Points Balance:Every month the statement for the Program CardAccount will detail the number of points earned sincethe previous statement (for the prior statementperiod), the balance of points carried forward from aprevious statement (for the prior statement period),the number of points redeemed or adjusted in thatstatement (for the prior statement period) and thenew Scotia Rewards points balance for the ProgramCard Account. Scotia Rewards points information for a

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Program Card Account is also available to the PrimaryScotia Rewards Cardmember (or Co-Borrower) byregistering and logging into scotiarewards.com wherepoints balances are updated daily based on thetransactions that have been posted to the ProgramCard Account as of that date. Transactions mayrequire several business days to be posted to theAccount and the points balance shown may not alwaysbe up to date.

2. Redeeming PointsScotia Rewards points can only be redeemed as set outin these terms and conditions. Redemptions of ScotiaRewards points can be made for a travel purchase (alsoreferred to as a travel booking), merchandise andother non-travel rewards such as gift cards, pre-paidcards or other items/goods and services as described inthese terms and conditions.Scotia Rewards Cardmembers who redeem ScotiaRewards points are responsible for any taxes associatedwith their redemption and if applicable, must declarethe value of those redemptions to appropriate taxauthorities.

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 goodstanding1, 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 standing1 and the Account(s) are in your name.If the Scotia Rewards Account is closed by Scotiabankbecause it is not in good standing1, the Scotia Rewardspoints associated with that Account cannot beredeemed and will be immediately cancelled.

4. Adding a DelegateA Primary Scotia Rewards Cardmember orCo-Borrower may delegate a representative to redeempoints on their behalf. Visit scotiarewards.com orcontact the Scotia Rewards Centre for details.

C. Transferring Points1. When Points can be TransferredScotia Rewards points are non-transferable. However,if you have more than one Program Card Account inyour name, we may allow you to transfer ScotiaRewards points to an open Program Card Account in

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your name before electing to close a Program CardAccount, provided the Account(s) are in goodstanding1.For a joint Program Card Account, if you are thePrimary Scotia Rewards Cardmember or Co-Borrower,you may transfer Scotia Rewards points to anotherProgram Card Account, provided each of thoseAccounts are in good standing1 and each Account is inyour name.Supplementary Cardmembers cannot transfer,combine or redeem points on any Program CardAccounts.Scotia Rewards Cardmembers can go toscotiarewards.com to complete a transfer of points. Ifyou have any questions, visit us online or contact theScotia Rewards Centre.

2. Points Transfer on Death or Separation/Divorceor Change in Business Ownership or LegalStructureUpon the death of a Primary Scotia RewardsCardmember and verification by Scotiabank, if there isno Co-Borrower on the Program Card Account, theestate of the Primary Scotia Rewards Cardmember canredeem unused Scotia Rewards points for up to 60days from the date of death provided that Account isin good standing1 after which time, unredeemedScotia Rewards points will be permanently cancelled. Inthe case of a joint Program Card Account, thesurviving Primary Scotia Rewards Cardmember orCo-Borrower, as the case may be, can elect to redeemunused Scotia Rewards points for up to 60 days fromthe date of death or can request to transfer them to anew Program Card Account in their name, providedthe Account(s) are in good standing1. Otherwise, theunredeemed Scotia Rewards points will bepermanently cancelled.Points cannot be divided or otherwise transferred inthe event of separation or divorce.In the event that a change in legal structure (e.g., SoleProprietor to incorporated) or changes in ownership ofa business occurs, transfer of points to the Scotiabankcredit card replacement account that earns points willbe allowed.D. Non-Travel RewardsScotia Rewards points can be redeemed for non-travelrewards on scotiarewards.com. Non-travel rewardsinclude items such as merchandise, gift cards andScotiabank Prepaid Cards. You may redeem Non-TravelRewards, redeeming Scotia Rewards points only(“Points Only”) or redeeming Scotia Rewards pointsplus charging the balance to your Program Card(“Points Plus Charge”) on selected merchandise.

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All merchandise appearing in the Scotia Rewardscatalogue is subject to availability. Some rules andrestrictions may apply. For additional information and acomplete copy of the Scotia Rewards catalogue, pleasevisit scotiarewards.com.Other terms you should know about Non-TravelRewards:1. Scotiabank Visa Prepaid CardFor instructions on how to redeem Scotia Rewardspoints for Scotiabank Visa Prepaid Cards, please visitscotiarewards.com. Scotiabank Visa Prepaid Cards aresubject to the terms of the Scotiabank PrepaidCardholder Agreement2. Gift CardsWhen redeeming Scotia Rewards points for a GiftCard, remember that the terms and conditions thatapply to that Gift Card are set by the issuer that issuesthe gift card, not Scotiabank. Please review specificterms and conditions carefully upon receipt of yourGift Card.3. How to Redeem Points for Non-Travel Rewards:You can redeem Scotia Rewards points for non-travelrewards using two methods:

i Redeem using points onlyii Redeem using points and a charge to your

Program Card on selected merchandise.4. Additional terms that apply to Non-TravelRewards:

• Non-Travel Rewards are sent by pre-paid deliveryservice during normal business hours and it maybe necessary for you to make appropriatearrangements for receipt.

• Every attempt is made to deliver the order asquickly as possible. However, Scotiabank is notresponsible for delays due to a union dispute,postal disruption or any other reason.

• Where applicable, merchandise non-travel rewardsare delivered with the Manufacturer Warrantiesand Service Policies/Warranties.

• Retain all documents for your records.• If the item ordered arrives damaged or is missing

pieces, please contact the Scotia Rewards Centreimmediately at scotiarewards.com or by calling1-800-665-2582.

For details on how to cancel or return Non-TravelRewards, please visit scotiarewards.com.

Note: Purchase Insurance: Your Program Card mayinclude insurance coverage for purchases made onyour Program Card, including non-travel rewards.Please refer to scotiabank.com or to the Certificates ofInsurance provided with your Program Card for a fulldescription of any included coverage. For all insurancecoverages, certain limitations, restrictions and

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exclusions apply5.

Please visit scotiarewards.com for additional termsand conditions that apply to non-travel rewards underthe Program.

E. Travel Purchases through the Scotia RewardsTravel ServiceThe Scotia Rewards Travel Service is provided by alicensed third party travel agent (Hogg RobinsonCanada Inc.) (“HRG”).

1. Booking Travel through the Scotia RewardsTravel ServiceYou can purchase travel through the Scotia RewardsTravel Service in two ways:Sign on to the Scotia Rewards Program Site to bookyour purchase online through the Program Site; or callthe Scotia Rewards Travel Service at 1-800-665-2582and speak with a Travel Consultant. Remember: If youbook travel by phone, a booking fee will be charged bythe Scotia Rewards Travel Service (disclosed to you atthe time of booking or by visiting scotiarewards.comfor details) for that travel purchase and will be chargedto your Program Card Account. Booking fee is subjectto change.

2. Redeeming Points for Travel Purchases:You can redeem your Scotia Rewards points for atravel purchase made through the Scotia RewardsTravel Service using the following options:

i. Redeeming points (“Points Only”)This payment option allows you to redeem pointsfor the entire amount of your travel purchasemade through the Scotia Rewards Travel Service;

ii. Redeeming points plus a charge to yourProgram Card (“Points Plus Charge”)This payment option allows you to book travelthrough the Scotia Rewards Travel Service andthe value of any Scotia Rewards points redeemedwill be deducted from the total purchase with thedifference in the amount for that travel purchasethen charged to your Program Card.

You will earn points only on the amount of the travelpurchase charged to your Program Card. You will notearn points on the amount of the travel purchasetowards which you redeem points.

The minimum point redemption is 5,000 points (5,000points is equivalent to $50 in travel savings) eachtime a redemption towards a travel purchase is madethrough the Scotia Rewards Travel Service.

3. Cash Back Rebate on Travel Purchases madethrough the Scotia Rewards Travel Service(ScotiaGold Passport Visa Card or ScotiaGoldPassport for business Visa Cards only) ScotiaGoldPassport Visa Card accounts or ScotiaGold Passport forbusiness Visa Card accounts can earn 5% in cash back

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(the “Cash Back Rebate”) on the amount of travelpurchases made on their Program Card Account if:

i. the travel purchase is made through the ScotiaRewards Travel Service; and

ii. the entire amount of the travel purchase ischarged to the ScotiaGold Passport Visa Card orScotiaGold Passport for business Visa Cardaccount either through (a) using a “Points Only”option to charge entire amount of the travelpurchase (“Points Only”) to the applicableProgram Card Account OR (b) using a “Points PlusCard” option to redeem points towards a partialamount of the travel purchase and applying thebalance of that travel purchase to the ProgramCard.

Eligible purchases that can earn the Cash Back Rebateare limited to: airline tickets, pre-packaged tours andcruises booked through Scotia Rewards Travel Service.Taxes, service charges, insurance, accommodations,car rentals, fully independent tours and personalexpenditures, such as meals, are excluded fromearning the Cash Back Rebate, unless such items arealready included in the pre-packaged tours purchasedthrough the Scotia Rewards Travel Service.When using the “Points Plus Card” option to redeempoints for a travel purchase through the ScotiaRewards Travel Service, the Cash Back Rebate isapplicable only to the portion of the travel purchasethat is charged to the ScotiaGold Passport Visa Card orthe ScotiaGold Passport for business Visa Cardaccounts, not any amount of the travel purchase forwhich a points redemption is applied.The Cash Back Rebate is provided by a third partyprovider. Scotiabank is not responsible for the CashBack Rebate. A Cash Back Rebate can take up to 6 to8 weeks to be posted to your Account and appear onyour statement. For more information about the CashBack Rebate, visit scotiarewards.com.

4. Other Information about Travel Purchasesthrough the Scotia Rewards Travel ServiceAvailability / Pricing: All travel rewards listed in theScotia Rewards Catalogue, Scotia Rewards ProgramSite or any other brochure or notice made available toyou, are subject to availability by the travel supplier,hotel or any other applicable supplier. The ScotiaRewards Travel Service does not commit to pricematching other than the Best Price Guaranteeprogram.

Travel Confirmations: All correspondence and traveldocuments/itinerary provided by Scotia Rewards TravelService will be sent to the Primary Cardmember’s (orCo-Borrower’s) address or email appearing in ourrecords at Scotia Rewards Travel Service or at the

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address instructed by the Primary Cardmember (orCo-Borrower). We are not responsible for any failureto receive these travel documents if we send them tothe address appearing in our records at the ScotiaRewards Travel Service or the instructions we receivefrom the Primary Cardmember or Co-Borrower.

Travel Documents: You and your travel companionsare responsible to ensure that you have in yourpossession, on departure and as otherwise required, allnecessary travel documents. We are not responsible ifyou do not have the necessary travel documents andyou will not be entitled to any compensation from us.It is your responsibility to check with the airlines andother travel suppliers for all estimated departure times,arrival times, and check-in times.

Pay at Destination: While most hotel and car rentalbookings will be prepaid (requiring Cardmembers topay only local tax and incidentals atcheck-out/dropoff), there may be occasions where aprepayment is not possible. In these situations, yourhotel and/or car bookings will be considered a “Pay AtDestination” booking. For these bookings, points areredeemed in the form of a travel credit. The travelcredit is applied to your Program Card Account within14 days of the date of this booking. Full payment iscollected by the hotel and/or car rental agency. Pay atDestination is only applicable to trips reserved throughthe Scotia Rewards Travel Service and paid with aProgram Card.

Travel Cancellation: If you wish to cancel your travelbooking before your travel departure date, or anyportion of it, made through the Scotia Rewards TravelService, we will attempt to assist you but you agreethat any cancellation is subject to the terms andconditions of the third party travel supplier that isproviding that travel purchase and the terms of thetravel purchase itself. In some cases, this means thatfor non-refundable tickets, cancellations are notallowed or are subject to cancellation fees. Anycancellation fees will be charged directly to theProgram Card Account on which the travel purchasewas made.Travel cancellations and/or changes made to travelpurchases outside of Scotia Rewards Travel Servicehours are dependent on the terms set by the thirdparty travel providers and their hours of operation. TheScotia Rewards Travel Service is not responsible forearlier closures or any cancellation of these travelpurchases by the third party travel providers.Point redemptions for travel purchases are final.However, if you are able to cancel a travel purchase forwhich you redeemed Scotia Rewards points, we willcredit the Program Card Account for the pointsredeemed at the value they were redeemed at.

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Travel Insurance: Your Program Card may includeinsurance coverages related to travel. Please refer tothe rewards and travel benefits posted online atscotiabank.com or to the Certificates of Insuranceprovided with your Program Card for a full descriptionof any included coverage. For all insurance coverages,certain limitations, restrictions and exclusions apply,including a pre-existing condition exclusion for certainbenefits5.

F. Post Purchase Travel RedemptionYou can purchase eligible travel or related travelexpenses at a travel provider other than the ScotiaRewards Travel Service (e.g., other travel agencies, touroperators and online travel websites) (the “OtherTravel Suppliers”). These types of purchases at OtherTravel Suppliers are called “Post Purchase TravelRedemptions” (also referred to as "Apply Points toTravel").Scotia Rewards points are redeemable for PostPurchase Travel Redemptions made through yourProgram Card. To redeem Scotia Rewards points for aPost Purchase Travel Redemption at Other TravelSuppliers, the purchase must first appear (post) on theProgram Card Account. Scotia Rewards Cardmemberscan then redeem points towards the amount of thePost Purchase Travel Redemption charged to theProgram Account through scotiarewards.com or bycalling 1-800-665-2582.The Post Purchase Travel Redemption must be chargedon your Program Card Account and recognized by oursystems with the Merchant Category Codes oridentifiers: airlines & air carriers, airports, flying fields,and airport terminals; lodgings, hotels, motels andresorts, trailer parks and campgrounds; passengerrailways, bus lines, steamship and cruise lines; travelagencies and tour operators, automobile rental agency, motor home and recreational vehicle rentals. TheseMerchant codes/identifiers and categories are subjectto change.The Post Purchase Travel Redemption can includerelated taxes, booking fees, airport fees and travelinsurance premiums.You must redeem Scotia Rewards points within 12months from the date when the Post Purchase TravelRedemption is posted to the Program Card Account(the posting date). It may take up to two statementperiods for the points redeemed towards a PostPurchase Travel Redemption to appear as a credit onyour Program Card Account. Points redeemed cannotbe reversed once posted to the Account. To redeemScotia Rewards points towards your Post PurchaseTravel Redemption, the Program Card Account mustbe open and in good standing1.

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The value of the points redeemed cannot exceed theamount of the Post Purchase Travel Redemptioncharged to your Program Card Account.

The minimum point redemption is 5,000 points (5,000points is equivalent to $50 in travel savings) eachtime a redemption towards a Post Purchase TravelRedemption is made.

G. Redeem Scotia Rewards Points for CreditA Primary Scotia Rewards Cardmember orCo-Borrower can redeem points online throughscotiarewards.com for a credit that will be applied tothe Program Card Account or we may from time totime send a Primary Scotia Rewards Cardmember orCo-Borrower an offer to redeem points for a credit.Your Program Card Account must be open and ingood standing1 at the time the credit is applied to theProgram Card Account.It may take up to two statement periods, following arequest to redeem points for a credit, for the credit toappear on the Program Card Account. Once therequest to redeem Scotia Rewards Points for a Credithas been submitted, you cannot cancel the requestand no changes can be made. The credit will beapplied towards the balance of the Program CardAccount, not towards a particular transaction.For additional information and instructions on how toredeem Scotia Rewards Points for a Credit, including ifany minimum redemption amounts are required,please visit scotiarewards.com.

H. Points Status when Switching CardsIf you switch your Program Card Account to anotherProgram Card Account, then your accumulated ScotiaRewards points will transfer over to your new ProgramCard Account, so long as both Accounts are in yourname and are in good standing1.If you switch (transfer) your Program Card to aScotiabank credit card that does not offer the ScotiaRewards Program, your Scotia Rewards points will nottransfer over to your new Scotiabank credit card. Inthat case, you may redeem any unused Scotia Rewardspoints for merchandise within 60 days of the switch,provided your Program Card Account and the otherScotiabank credit account are in good standing. After60 days, unredeemed points will be permanentlycancelled.

I. Cancelled, Lost or Stolen Program CardsCancelled Program Cards on Program Card Accountsare not eligible to earn Scotia Rewards points aftertheir cancellation date. If your Program Card is lost orstolen, we will replace that Program Card and transferyour points to the new Program Card Account openedin your name for the replacement card.

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J. Changes to this ProgramScotiabank reserves the right to modify, terminate,suspend or extend or otherwise alter all or any of theterms and conditions of the Scotia Rewards programby giving 30 days’ notice, including the following:

i. The amount of points earned or redeemedthrough the Program;

ii. The value of points;iii. What you can or cannot redeem points for;iv. When you can transfer points and to whom;v. The length of time available to redeem points; orvi. Any fees or charges that apply to this Program

including booking fees.In the event we terminate this Program, the PrimaryCardmember will be notified and can redeem anyunused points within 60 days after the Program’stermination date, provided their Program Account(s) isin good standing1.

K. General Program TermsGood Standing: If the Program Card Account is not ingood standing, Scotia Rewards points are not eligiblefor redemption and the Account will not earn points.Canadian $: All amounts referred to are in Canadiandollars unless otherwise noted.

L. DisclaimersThe Bank of Nova Scotia (Scotiabank) and any of thethird party service providers that are retained byScotiabank to assist us in providing the Scotia RewardsProgram (each a “Program Provider”) are not liable orresponsible for any damages, injuries or disabilities thatoccur, including during travel redeemed through theProgram, while using any rewards redeemed throughthe Program or for any cash back under the Program.Scotiabank and its Program Providers (including HRG),their affiliates, employees, agents or contractors arenot liable or responsible for any damages or losses,including without limitation indirect, consequential,special, incidental or punitive damages resulting fromor caused by the fulfillment or non-fulfillment ofservices (including rewards) under this Program.Scotiabank and its Program Providers (including HRG)are not responsible for any purchases or other goodsand services provided by third parties including OtherTravel Providers.While we will try to satisfy Cardmembers with anequivalent replacement or a credit adjustment ofpoints, Scotiabank and our Program Providers, will notassume any costs related to the failure of suppliers todeliver the rewards.Please see the Revolving Credit Agreement that youreceived with your Program Card about settlingdisputes directly with a merchant or visit

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scotiabank.com for a copy of your Revolving CreditAgreement.Scotiabank and its Program Providers do not make anywarranties or representations with respect to thequality or fitness for use of any rewards, including thenature or quality of any of the travel rewards.

® Registered trademark of The Bank of Nova Scotia.™ Trademark of The Bank of Nova Scotia.* Visa Int./Licensed User.All other trademarks or brand names are the property of their respective owners.

Services or rewards (including travel rewards through the Scotia RewardsTravel Service or non-travel rewards such as merchandise, gift cards, andother non-travel rewards) made available, or provided, through the ScotiaRewards Program by a third party are the responsibility of that third party.Scotiabank and its affiliates are not responsible for such services or rewardsincluding their delivery, return, or fitness for use.

1 A Program Card Account and associated Program Card(s) is in good standing ifthe Account is not delinquent (past due) or over limit and the Cardmember(s) isnot in breach of the Revolving Credit Agreement that applies to the ProgramCard Account. If the Account is not in good standing, the accumulated ScotiaRewards points are not eligible for redemption.

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Certificate of Purchase Security,Extended Warranty, Lost Luggage,Delayed Luggage and Hotel/MotelBurglary

This Certificate of Insurance contains a clausewhich may limit the amount payable.

This Certificate of Insurance is effective when aCardmember’s Account is eligible for coverage anytimeafter August 1, 2019. This Certificate provides theprincipal terms, conditions, limitations and exclusionsof the provisions of Group Policy No. BNS102017.The Group Policy alone constitutes the agreementunder which benefits will be provided. The GroupPolicy is issued by American Bankers InsuranceCompany of Florida (the Insurer) to The Bank of NovaScotia (the Policyholder). You or a person making aclaim under this Certificate may request a copy of theGroup Policy by writing to the Insurer at the addressshown below. Please read this Certificate of Insurancecarefully and keep it with Your Benefits Guide.

The Insurer's Canadian head office is located at 5000Yonge Street, Suite 2000, Toronto, Ontario M2N 7E9.

Claim payment and administrative services areprovided by Scotia Assist.

1. DEFINITIONS

In this Certificate of Insurance, the following wordsand phrases have the meanings set for the below:

Account means the unexpired, unrevoked ScotiaGoldPassport® VISA* Account of a Cardmember.

Cardmember means the primary cardholder under aScotiaGold Passport VISA Account and any additionalcardholder whose name is embossed on the card. TheCardmember may be referred to as “You” or “Your”.

Check In means the moment the Insured Personregisters at the Hotel/Motel.

Check Out means the moment the Insured Personvacates the Hotel/Motel room and pays the itemizedtotal cost incurred for the duration of the stay bycharging the full cost to the Account.

Checked Luggage means suitcases or othercontainers specifically designated for carrying personalbelongings, for which a baggage claim check has beenissued to the Insured Person by a Common Carrier.

Common Carrier means any land, water or airconveyance which is licensed to carry passengers forcompensation and which undertakes to carry allpersons indifferently who may apply for passage, so

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long as there is room, and there is no legalexcuse for refusal.

Delayed Luggage means an Insured Person’sChecked Luggage which is delayed by the CommonCarrier for more than (4) hours from the InsuredPerson’s time of arrival at the Final Destination.

Essential Items means essential clothing and toiletriescontained in the Delayed Luggage, which the InsuredPerson must replace during the period of delay.

Final Destination means the away-from-hometicketed destination for any particular day of travel, asshown on your Ticket.

Hotel/Motel means an establishment located inCanada or the United States that provides lodging forthe general public, and usually meals, entertainment,and various personal services.

Immediate Family Member means the InsuredPerson’s spouse, dependent children, and parentsresiding with the Insured Person.

Insured Item means a NEW item (a pair or set beingone item) of personal property (not purchased by orfor use by a business or for commercial purposes), forwhich the full Purchase Price is charged to an Account.

Insured Person means a Cardmember, and anyImmediate Family Member travelling with aCardmember.

Manufacturer’s Warranty means an express writtenwarranty issued by the manufacturer of the InsuredItem at the time of purchase of an Insured Item, whichwarranty is valid in Canada or the United States.

Mysterious Disappearance means the vanishing ofan item which cannot be explained, i.e. there is anabsence of evidence of a wrongful act of anotherperson.

Other Insurance means any and all policies ofinsurance or indemnity which provide additionalcoverage to a Cardmember for loss or damage coveredunder the Group Policy and as further defined inSection 9 of this certificate.

Purchase Price means the actual cost of the InsuredItem, including any applicable sales tax, as shown onthe store receipt.

Scotia Assist means the Insurer in relation to claimpayment and administrative services.

Ticket means evidence of fare paid for travel on aCommon Carrier, which has been charged to YourAccount.

Trip means the scheduled period of travel away fromthe Insured Person’s usual place of residence asdetermined by the departure and return dates to theirprovince or territory of residence.

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2. PURCHASE SECURITY

a) Coverage – The Purchase Security Planautomatically, without registration, protects mostnew Insured Items purchased anywhere in the world(provided the full Purchase Price is charged to theAccount) by insuring them for ninety (90) daysfrom the date of purchase in the event of loss,theft, damage or fire in excess of Other Insurance. Ifthe item is lost, stolen or damaged, it will bereplaced or repaired. Replacement will be up to theoriginal Purchase Price or the replacement price,whichever is less. In the event that the Insured Itemcannot be repaired or replaced, the Insurer, at itssole option, may reimburse the Cardmember up tothe Purchase Price.

b) Excluded Items – Purchase Security does not coverthe following items: travellers’ cheques, cash, ticketsor any other negotiable instruments; bullion, rare orprecious coins; art objects (such as but not limitedto hand made items, limited editions, original,signature pieces or collectible plates); preowned orused items, including antiques and demos; animals;living plants; perishables such as food and liquor;aircraft and parts and accessories thereof;automobiles, motorboats, motorcycles or any othermotorized vehicles and parts and accessoriesthereof; items consumed in use; services; ancillarycosts incurred in respect of an Insured Item and notforming part of the Purchase Price; parts and/orlabour required as a result of mechanicalbreakdown; items purchased by and/or used for abusiness or commercial purpose and commercialgain and mail order items until received andaccepted by the Cardmember; and jewellerytransported/stored in baggage which is not underthe supervision of the Cardmember orCardmember’s travelling companion. In the eventbaggage containing jewellery is stolen in its entiretywhile under the supervision of the Cardmember orCardmember’s travelling companion, the maximumcoverage is limited to $2,500 per incident.

c) Gifts – Insured Items the Cardmember gives as giftsare covered under the Purchase Security Plan subjectto compliance with the terms and conditions of thecoverage offered hereunder.

3. EXTENDED WARRANTY

a) Coverage – The Extended Warranty Plan providesthe protected Cardmember with double the periodof repair services, up to a maximum of oneadditional full year, when the full Purchase Price ischarged to the Account, in accordance with theterms and conditions of the original Manufacturer’sWarranty on most Insured Items purchasedanywhere in the world, provided the Manufacturer’s

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Warranty is honoured in Canada or the UnitedStates.

b) Registration – Insured Items with a validManufacturer’s Warranty of five (5) or more yearsare ONLY covered if registered within the first yearof purchase. Insured Items with a Manufacturer’sWarranty of less than five (5) years DO NOT requireregistration. To register warranties of five (5) ormore years, the Cardmember must send to theInsurer, legible and complete copies of the storereceipt; the ScotiaGold Passport VISA charge slip;the Manufacturer’s Warranty including all wording;a description of the Insured Item including themodel and serial number, if applicable.

c) Excluded Items – Extended Warranty does notcover the following items: aircraft and parts andaccessories thereof; automobiles, motorboats,motorcycles and any other motorized vehicles andparts and accessories thereof; used items; livingplants; trim parts; services; items purchased byand/or used for a business or commercial purposeand commercial gain; dealer and assemblerwarranties or any other obligation other than thosespecifically covered under the terms of the originalManufacturer’s Warranty.

d) Gifts – Insured Items the Cardmember gives as giftsare covered under the Extended Warranty Plansubject to compliance with the terms and conditionsof the coverage offered hereunder.

4. LOST LUGGAGE

a) Coverage – The Lost Luggage Plan protects anInsured Person from theft or permanentmisdirection of their Checked Luggage by aCommon Carrier, provided that the full price of theInsured Person’s fare has been charged to anAccount, and that the Common Carrier makes amonetary reimbursement. The benefit amountpayable is limited to the lesser of:

• An amount equal to the cash reimbursementmade by the Common Carrier to a combinedmaximum of $1,250, or

• the value of the Checked Luggage, whichever isless.

b) Excluded Items – Lost Luggage does not cover:animals; any conveyance or appurtenances exceptbicycles; contact lenses; eyeglasses; hearing aids;artificial teeth; dental bridges; prosthetic limbs;money; securities; credit cards and any othernegotiable instruments; tickets and documents;cameras; sporting equipment; business items; artobjects (such as but not limited to hand made items,limited editions, original, signature pieces orcollectible plates); electronic equipment; luggage

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not checked; luggage held, seized, quarantined ordestroyed by customs or government agency andwhere no reimbursement, or a non-monetary(tickets, coupons, travel vouchers) settlement ismade by the Common Carrier.

5. DELAYED LUGGAGE

a) Coverage – The Delayed Luggage Plan reimbursesan Insured Person for the cost of replacing EssentialItems, if the Insured Person’s Checked Luggage isnot delivered within four (4) hours from the InsuredPerson’s time of arrival at the Final Destination,provided the full price of the Insured Person’s farehas been charged to an Account. The EssentialItems must be purchased before the CheckedLuggage is returned to the Insured Person and nolater than ninety-six (96) hours after the InsuredPerson’s time of arrival at the Final Destination. Themaximum benefit payable under the DelayedLuggage Plan per Trip for all Insured Persons on thesame Trip is $1,000.

b) Excluded Items – The Delayed Luggage Plan doesnot cover: losses occurring when Checked Luggageis delayed on a Insured Person’s return home totheir province or territory of residence; expensesincurred more than ninety-six (96) hours after theInsured Person’s time of arrival at the FinalDestination; expenses incurred after the CheckedLuggage is returned to the Insured Person; lossescaused by or resulting from any criminal act by theInsured Person; baggage not checked; baggageheld, seized, quarantined or destroyed by a customsor government agency; money; securities; creditcards; negotiable instruments; tickets; anddocuments of any nature whatsoever.

6. HOTEL/MOTEL BURGLARY

a) Coverage – The Hotel/Motel Burglary Plan protectsthe Insured Person, for the period of time betweenCheck In and Check Out, from theft of most itemsof personal property from a Hotel/Motel roomwhere there is evidence of forceful entry, ONLYwithin the territorial limits of Canada and theUnited States. Coverage is up to a maximum of$1,000, in excess of Other Insurance and/orpayments made by the Hotel/Motel, provided thefull cost of the Hotel/Motel room has been chargedto the Account.

b) Excluded Items – Hotel/Motel Burglary does notcover: cash; cheques; securities; credit cards andany other negotiable instruments; tickets anddocuments.

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7. ADDITIONAL LIMITS OF LIABILITY ANDEXCLUSIONS

a) Limits of Liability – There is a maximum lifetimeliability of $60,000 under the Purchase Security andExtended Warranty Plans.

The Insurer, at its sole option, will ask you to repair,rebuild or replace the Insured Item whether in wholeor in part with a similar or like item in quality orkind. The Insurer will reimburse the LESSER of: thecost of repairs; the cost of replacement of theInsured Item or the Purchase Price. In the event thatthe Insured Item cannot be repaired or replaced,the Insurer, at its sole option, may reimburse theCardmember up to the Purchase Price.

Claims for items belonging to and purchased as apair or set will be paid for at the full Purchase Priceof the pair or set provided that the parts of the pairor set are unusable individually and cannot bereplaced individually. Where parts of the pair or setare usable individually, liability will be limited topayment equal to the proportionate part of thePurchase Price that the number of damaged orstolen parts bears to the number of parts in thecomplete pair or set.

b) Exclusions – The Group Policy does NOT providecoverage for losses resulting from: misuse or abuse;fraud; normal wear and tear; inherent productdefects (which means imperfections which impairthe use of the product); Mysterious Disappearance;theft from a vehicle unless the vehicle is locked andthere are visible signs of forced entry; flood,earthquake or radioactive contamination; hostilitiesof any kind (including war, invasion, terrorism,rebellion or insurrection), confiscation by authorities,risks of contraband or illegal activity; incidental andconsequential damages, including bodily injury,property, punitive and exemplary damages and legalfees.

8. CLAIMS

a) Filing a Claim – To initiate a claim, theCardmember must notify Scotia Assist PRIOR toproceeding with any action or repairs and no laterthan forty-five (45) days from the date of loss ordamage, by calling 1-800-263-0997 from withinCanada and the U.S.A. or 416-977-1552 locally orcollect between 8:00 a.m. and 8:00 p.m. ET,Monday through Friday. If you would like to file aclaim online, please visithttp://www.scotia.assurant.com.

A Cardmember’s failure to give notice to the Insurerwithin forty-five (45) days from the date of loss ordamage may result in denial of the related claim.

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b) Validation of a Claim – The Cardmember MUSTmaintain ORIGINAL copies of all documentsrequired. Where a claim is due to fraud, maliciousacts, burglary, robbery, theft or attempt thereat, oris suspected to be so caused, the CardmemberMUST give immediate notice to the police or otherauthorities having jurisdiction. The Cardmembermay be required to send, at the Cardmember’sexpense and risk, the damaged Insured Item onwhich a claim is based, to an address designated bythe Insurer.

c) Loss Report – Under the Purchase Security, LostLuggage, Delayed Luggage and Hotel/MotelBurglary Plans, upon notifying the Insurer of theloss, the Cardmember will receive a Loss Report andMUST fully complete, sign and return it to theInsurer within ninety (90) days from the date ofloss. The Loss Report must include all details relatingto the claim together with documents required bythe Insurer to determine the Cardmember’seligibility for benefits under the Group Policy.

d) Purchase Security – Under the Purchase SecurityPlan, the Cardmember will be required to completethe Loss Report and MUST include copies of thestore receipt, ScotiaGold Passport VISA card chargeslip, and ScotiaGold Passport VISA statement andpolice report if obtainable, and if not obtainable, thedepartment, file number, address, contact name onthe file and telephone number, and any otherinformation reasonably required by the Insurer todetermine the Cardmember’s eligibility for benefitsunder the Group Policy.

e) Extended Warranty – Under the ExtendedWarranty Plan, a Loss Report is NOT mailed to theCardmember. Upon notifying the Insurer of thedamage and PRIOR to proceeding with any repairs,a Cardmember MUST substantiate proof ofpurchase and coverage eligibility under the GroupPolicy by submitting ORIGINAL copies of the storereceipt, ScotiaGold Passport VISA charge slip and/orScotiaGold Passport VISA statement andManufacturer’s Warranty including a signed letterdetailing the description of the Insured Item bybrand, model and serial number (if applicable) andthe facts giving rise to the claim. Upon receipt ofthe completed documentation, if the claim is eligiblefor coverage under the Group Policy, the Insurer willprovide a notice to the Cardmember containing anauthorization to proceed with the necessary repairsand the particulars of the repair facility designatedto complete the necessary repairs.

f) Lost Luggage – Under the Lost Luggage Plan, theCardmember will be required to complete the Loss

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Report and MUST include copies of the CommonCarrier ticket, the baggage claim ticket, ScotiaGoldPassport VISA card charge slip and/or ScotiaGoldPassport VISA statement, a written statement fromthe Common Carrier confirming i) the date, timeand details of loss, ii) payout documentationfrom the Common Carrier including a copy of thecheque, claim form, a list of items lost and theirvalue and iii) any other information reasonablyrequired by the Insurer to determine coverageeligibility.

g) Delayed Luggage – Under the Delayed LuggagePlan, the Cardmember will be required to completethe Loss Report and MUST include the ScotiaGoldPassport VISA card charge slip and/or ScotiaGoldPassport VISA statement. In addition, theCardmember will be required to submit itemizedreceipts for actual expenses incurred for EssentialItems and a written statement from the CommonCarrier confirming all of the following specifics: i)date and time of delay; ii) date and time that theChecked Luggage was returned to the InsuredPerson; iii) reason or circumstances surrounding thedelay; and iv) any other information reasonablyrequired by the Insurer.

h) Hotel/Motel Burglary – Under the Hotel/MotelBurglary Plan, the Cardmember will be required tocomplete the Loss Report and MUST include copiesof the ScotiaGold Passport VISA charge slip and/orScotiaGold Passport VISA statement, a writtenstatement from the Hotel/Motel confirming thedate, time and details of the loss, police report ifobtainable, and if not obtainable, the department,file number, address, contact name on the file, andtelephone number, payout documentation fromOther Insurance carrier if applicable, and any otherinformation reasonably required by the Insurer todetermine coverage eligibility.

9. OTHER INSURANCE

Where an Insured Person has Other Insurance, the lossor damage MUST be reported to the primary carrier inaddition to filing with the Insurer, and copies of thepayout documents from the Other Insurance carriermust be provided to the Insurer. If the loss or damageis not covered under the Other Insurance, a letter fromthe Other Insurance carrier so indicating may berequired. The insurance extended under the GroupPolicy by the Insurer is issued strictly as excess coverageand does not apply as contributing insurance. Thecoverage extended under the Group Policy willreimburse the Cardmember only to the extent apermitted claim exceeds coverage and payment underOther Insurance, regardless of whether the Other

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Insurance contains provisions purporting to make itscoverage non-contributory or excess. The Group Policyalso provides coverage for the amount of thedeductible under Other Insurance.

10. SUBROGATION

As a condition to the payment of any claim to aCardmember, the Cardmember and/or any InsuredPerson shall, upon request, transfer or assign to theInsurer all legal rights against all other parties for theloss. The Cardmember and/or any Insured Personshall give the Insurer all such assistance as the Insurermay reasonably require to secure its rights andremedies, including the execution of all documentsnecessary to enable the Insurer to bring suit in thename of the Cardmember and/or Insured Person.

11. BENEFITS CARDMEMBER ONLY

This protection shall inure ONLY to the benefit of theCardmember. No other person or entity shall have anyright, remedy or claim, legal or equitable to thebenefits.

12. DUE DILIGENCE

The Cardmember shall use due diligence and do allthings reasonable to avoid or diminish any loss ordamage to property protected. The Insurer will notunreasonably apply this provision to avoid claims underthe Group Policy. Where damage or loss is due to amalicious act, burglary, robbery, theft or attemptthereat, or is suspected to be so caused, theCardmember shall give immediate notice thereof tothe police or other authorities having jurisdiction. TheInsurer will require evidence of such notice prior tosettlement of a claim.

13. FALSE CLAIM

If a Cardmember makes any claim knowing it to befalse or fraudulent in any respect, such Cardmembershall no longer be entitled neither to the benefit ofprotection of coverage under the Group Policy nor tothe payment of any claim made under the GroupPolicy.

14. LEGAL ACTION

Every action or proceeding against an insurer for therecovery of insurance money payable under thecontract is absolutely barred unless commenced withinthe time set out in the Insurance Act, Limitations Actor other applicable legislation in Your province orterritory.

15. IF YOU HAVE A CONCERN OF COMPLAINT

If You have a concern or complaint about Yourcoverage, please call the Insurer at 1-800-263-0997 orthe Policyholder at 1-800-472-6842. The Insurer will

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do its best to resolve Your concern or complaint. If forsome reason the Insurer is unable to do so to Yoursatisfaction, You may pursue the concern or complaintin writing to an independent external organization.You may also obtain detailed information for theInsurer’s resolution process and the external recourseeither by calling the Insurer at the number listed aboveor at:www.assurantsolutions.ca/consumer-assistance.

16. PRIVACY

The Insurer may collect, use, and share personalinformation provided by You to the Insurer, andobtained from others with Your consent, or asrequired or permitted by law. The Insurer may use theinformation to: serve You as a customer andcommunicate with You. The Insurer may process andstore Your information in another country, which maybe subject to access by government authorities underapplicable laws of that country. You may obtain a copyof the Insurer’s privacy policy by calling1-888-778-8023 or from their website:www.assurantsolutions.ca/privacy. If You have anyquestions or concerns regarding the privacy policy orYour options for refusing or withdrawing this consent,You may call the Insurer at the number listed above.

® Registered trademarks of The Bank of Nova Scotia.* Trademark of Visa International Service Association and used under license.

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Certificate of Common CarrierTravel Accident InsuranceAmended and Restated Effective August 1, 2019

This Certificate of Insurance contains a clausewhich may limit the amount payable.Additionally, this Certificate of Insurancecontains a provision removing or restricting theright of the Insured Person to designate personsto whom or for whose benefit insurance moneyis payable.

This Certificate of Insurance contains informationabout your insurance. Please read it carefully and keepit in a safe place. Refer to the Definitions section or tothe applicable description of benefits and theparagraph following this one for the meanings of allcapitalized terms.

The coverage outlined in this Certificate of Insurance iseffective May 1, 2014, and is provided to eligibleScotiaGold Passport® VISA* Cardmembers byAmerican Bankers Life Assurance Company of Florida(hereinafter referred to as the “Insurer”) under GroupPolicy No. BNS112000 (hereinafter referred to as the“Policy”) issued by the Insurer to The Bank of NovaScotia (hereinafter referred to as the “Policyholder”).

The terms, conditions and provisions of the Policy aresummarized in this Certificate of Insurance, which isincorporated into and forms part of the Policy. Allbenefits are subject in every respect to the Policy,which alone constitutes the agreement under whichbenefits will be provided. You or a person making aclaim under this Certificate may request a copy of thePolicy and/or copy of Your application for thisinsurance (if applicable) by writing to the Insurer at theaddress shown below.

Claim payment and administrative services under thePolicy are arranged by the Insurer. The Insurer’sCanadian head office is located at 5000 Yonge Street,Suite 2000, Toronto, Ontario M2N 7E9.

In no event will a corporation, partnership or businessentity be eligible for the insurance coverage providedby this Certificate of Insurance.

1. DEFINITIONS

Accidental Bodily Injury means an accidental bodilyinjury which is the direct source of a Loss, and isindependent of disease, bodily infirmity or other cause.

Account means the unexpired, unrevokedScotiaGold Passport VISA account of a Cardmember.

40

Cardmember means the primary applicant for aScotiaGold Passport VISA Account and any additionalcardholder whose name is embossed on the card. TheCardmember may be referred to as “You” or “Your”.

Common Carrier means any land, air or waterconveyance which is licensed to carry passengers forcompensation or hire or reward and which undertakesto carry all persons indifferently who may apply forpassage, so long as there is room and there is no legalexcuse for refusal.

Dependent Children means Your unmarried natural,adopted or step-children who are dependent on Youfor maintenance and support and who are eitherunder 21 years of age, or under 25 years of age and infull-time attendance at a recognized institution ofhigher learning in Canada. Dependent Child(ren) alsoincludes children 21 years of age or over who arepermanently mentally or physically challenged andincapable of self-support.

Dollars and $ means Canadian dollars.

Insured Person means a Cardmember and his/herSpouse and Dependent Children when their fare ischarged to Your Account and/or paid with ScotiaRewards points.Loss means:a) With respect to life, Accidental Bodily Injury causing

death.

b) With respect to sight, speech or hearing, AccidentalBodily Injury causing entire and irrecoverable loss ofsight, speech or hearing.

c) With respect to a hand, Accidental Bodily Injurycausing actual severance of the entire four fingersof the same hand at or above the knuckle joints.

d) With respect to a foot, Accidental Bodily Injurycausing actual severance of a foot at or above theankle joint.

Occupying means in or upon, or boarding or alightingfrom a Common Carrier.

Spouse means the person who is legally married to thePrimary Cardmember or the person who has beenliving with the Primary Cardmember for a continuousperiod of at least one year and is publicly representedas the Primary Cardmember's Spouse.Ticket means evidence of fare paid for travel on aCommon Carrier, at least 75% of the cost of whichhas been charged to Your Account and/or paid withScotia Rewards points.

Total and Permanent Disability or Totally andPermanently Disabled means that the Insured Personis continuously and totally disabled and will, in theopinion of a licensed physician, never be able to begainfully employed in an occupation for which theInsured Person is qualified, or could be qualified, byreason of education, training, experience or skill.

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2. BENEFIT

The Policy provides benefits to Insured Personsaccording to the following schedule:

Amount of Benefit

Accidental Loss of: Cardmemberor Spouse

DependentChildren

Life† $250,000 $ 25,000

Total and PermanentDisability†† $250,000 $250,000

Both hands or bothfeet $250,000 $250,000

One foot or one handand the entire sight ofone eye $250,000 $250,000

Sight of both eyes $250,000 $250,000

One hand and one foot $250,000 $250,000

Speech and hearing $250,000 $250,000

One hand or one foot $125,000 $125,000

Sight of one eye $125,000 $125,000

Speech $125,000 $125,000

Hearing $125,000 $125,000

† Loss of Life Benefits are paid to the beneficiarydesignated by the Insured Person; if not designatedthey are paid to the first surviving class in thefollowing order: the Insured Person’s Spouse; inequal share to the Insured Person’s survivingchildren; in equal share to the Insured Person’ssurviving parents; in equal shares to the InsuredPerson’s siblings; to the Insured Person’s Estate. Allother benefits are payable to the Insured Person.†† Benefits are payable when an Insured Person hasbeen Totally and Permanently Disabled for a periodof 365 consecutive days.

The maximum benefit payable is $500,000 for Lossresulting from any one occurrence.

If more than one of the described Losses is sustainedby an Insured Person, then the total benefit payablefrom one accident is limited to the greatest amountpayable for any one of the Losses sustained.

In no event does possession of multiple certificates orScotiaGold Passport VISA Accounts entitle an InsuredPerson to benefits in excess of those stated hereinfor any one Loss sustained.

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3. COVERAGE

Benefits are payable when an Insured Person sustains aLoss as a result of occupying a Common Carrier whilecoverage is in force. Coverage is in force when anInsured Person uses a Common Carrier to:

a) Travel directly to the point-of-departure terminalfor the trip shown on the Ticket.

b) Make the trip as shown on the Ticket.

c) Travel directly from the point-of-arrival terminal forthe trip shown on the Ticket to the nextdestination.

d) Coverage is also in force while the Insured Personis at a travel terminal immediately prior to orfollowing the trip evidenced by the Ticket.

4. TERMINATION OF INSURANCE

This coverage terminates on the earliest of thefollowing:

a) When coverage is no longer in force as describedabove.

b) When your Account is closed.

c) When the Policy is cancelled.

5. EXPOSURE AND DISAPPEARANCE

Loss resulting from unavoidable exposure to theelements and arising out of the hazards describedabove shall be covered to the extent of the benefitsafforded the Cardmember.

If the body of the Cardmember has not been foundwithin one year of the disappearance, stranding,sinking or wrecking of any vehicle in which theCardmember was insured hereunder as an occupant,then it shall be presumed, subject to all other termsof the policy, that the Cardmember has suffered lossof life covered under this policy.

6. EXCLUSIONS AND LIMITATIONS

The Policy does not cover any loss caused by orresulting from:

a) Intentionally self-inflicted injuries.

b) Suicide or attempted suicide, whether sane orinsane.

c) Illness or disease.

d) Normal pregnancy or resulting childbirth ormiscarriages.

e) Bacterial infection except bacterial infection of anAccidental Bodily Injury, or if death results from theaccidental ingestion of a substance contaminatedby bacteria.

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f) A declared or undeclared war. Declared orundeclared war does not include acts of terrorism.

g) Accident occurring while a passenger on, oroperating or learning to operate, or serving as amember of the crew of any aircraft except asprovided on this certificate.

7. MAKING A CLAIM

In the event of a claim, notify the Insurer by calling1-800-263-0997. If possible, notice should be givenwithin 90 days of the occurrence of a Loss. If youwould like to file a claim online, please visithttp://www.scotia.assurant.com.Notice must include the name of the Insured Personwho sustained the Loss, the Account number to whichthe cost of the Ticket was charged, and the name andaddress of the person (acting on behalf of the InsuredPerson if necessary) to whom claim forms should besent.

If claim forms for providing Proof of Loss are notreceived within 15 days of giving notice of the claim,Proof of Loss may be provided by giving the Insurer awritten statement of the nature and extent of theLoss.

Proof of Loss, whether it be a complete claim form orotherwise, must be given to the Insurer as soon asreasonably possible. The Insurer, at its expense, has theright to have the Insured Person examined as often asreasonably necessary while a claim is pending. TheInsurer may also have an autopsy performed unlessprohibited by law.

8. LEGAL ACTION

Every action or proceeding against an insurer for therecovery of insurance money payable under thecontract is absolutely barred unless commenced withinthe time set out in the Insurance Act, Limitations Actor other applicable legislation in Your province orterritory.

9. IF YOU HAVE A CONCERN OR COMPLAINT

If You have a concern or complaint about Yourcoverage, please call the Insurer at 1-800-263-0997 orthe Policyholder at 1-800-472-6842. The Insurer willdo its best to resolve Your concern or complaint. If forsome reason the Insurer is unable to do so to Yoursatisfaction, You may pursue the concern or complaintin writing to an independent external organization.You may also obtain detailed information for theInsurer’s resolution process and the external recourseeither by calling the Insurer at the number listed aboveor at:www.assurantsolutions.ca/consumer-assistance.

10. PRIVACY

The Insurer may collect, use, and share personal

44

information provided by You to the Insurer, andobtained from others with Your consent, or asrequired or permitted by law. The Insurer may use theinformation to: serve You as a customer andcommunicate with You. The Insurer may process andstore Your information in another country, which maybe subject to access by government authorities underapplicable laws of that country. You may obtain a copyof the Insurer’s privacy policy by calling1-888-778-8023 or from their website:www.assurantsolutions.ca/privacy. If You have anyquestions or concerns regarding the privacy policy orYour options for refusing or withdrawing this consent,You may call the Insurer at the number listed above.

Program management is provided by:

CSI Brokers Inc.1 Yonge Street, Suite 1801Toronto, Ontario, M5E 1W7

® Registered trademarks of The Bank of Nova Scotia.* Trademark of Visa International Service Association and used under license.

45

Certificate of Travel EmergencyMedical InsuranceAMENDED AND RESTATED: Effective November 1, 2020

IMPORTANT NOTICE - READ CAREFULLY BEFOREYOU TRAVELYour credit card includes travel coverage - what’snext? We want you to understand (and it is in yourbest interests to know) what your Certificate ofInsurance includes, what it excludes, and what islimited (payable but with limits). Please take time toread through your Certificate of Insurance beforeyou travel. Capitalized terms are defined in yourCertificate of Insurance.

• Travel insurance covers claims arising fromsudden and unexpected situations (i.e.:accidents and emergencies) and typically notfollow-up or recurrent care.

• To qualify for this insurance, you must meet allthe eligibility requirements.

• This insurance contains limitations andexclusions (e.g.: Medical Conditions that are notstable, pregnancy, child born on trip, use ofalcohol, high risk activities, etc.).

• This insurance may not cover claims related toPre-Existing Conditions, whether disclosed ornot.

• Contact Scotia Assist before seeking EmergencyMedical Treatment or your benefits may belimited or denied.

• In the event of a claim your prior medical historymay be reviewed.

IT IS YOUR RESPONSIBILITY TO UNDERSTANDYOUR COVERAGE. IF YOU HAVE QUESTIONS,CALL 1-800-263-0997.

This Certificate of Insurance contains a clausewhich may limit the amount payable.Additionally, this Certificate of Insurancecontains a provision removing or restricting theright of the Insured Person to designate personsto whom or for whose benefit insurance moneyis payable.

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For Trips of 25 days or less for people under 65 yearsof age.

This Certificate of Insurance contains informationabout your insurance. Please read it carefully and keepit in a safe place. Refer to the Definitions section or tothe applicable description of benefits and theparagraph following this one for the meanings of allcapitalized terms.

The coverage outlined in this Certificate of Insurance iseffective as of May 1, 2014, and is provided to eligibleScotiaGold Passport® VISA* Cardmembers. TravelEmergency Medical Insurance is underwritten byAmerican Bankers Life Assurance Company ofFlorida (hereinafter referred to as the “Insurer”), underGroup Policy number BNS112000 (hereinafter referredto as the “Policy”) issued by the Insurer to The Bank ofNova Scotia (hereinafter referred to as the“Policyholder”).

The terms, conditions and provisions of the Policy aresummarized in this Certificate of Insurance, which isincorporated into and forms part of the Policy. Allbenefits are subject in every respect to the Policy,which alone constitutes the agreement under whichbenefits will be provided. You or a person making aclaim under this Certificate may request a copy of thePolicy and/or copy of Your application for thisinsurance (if applicable) by writing to the Insurer at theaddress shown below.

American Bankers Life Assurance Company of Florida’sCanadian head office is located at 5000 Yonge Street,Suite 2000, Toronto, Ontario M2N 7E9.

Claim payment and administrative services arearranged by the Insurer. The administrator for claimpayment and administrative services is World TravelProtection Canada Inc. (hereinafter referred to as“Scotia Assist”).In no event will a corporation, partnership or businessentity be eligible for the insurance coverage providedby this Certificate of Insurance.

1. DEFINITIONS

Account means the Cardmember’s ScotiaGold PassportVISA Account which must be in Good Standing withthe Policyholder.Cardmember means the primary applicant for aScotiaGold Passport VISA Account. The Cardmembermay be referred to as “You” or “Your”.Dependent Children means Your unmarried natural,adopted or step-children who are dependent on Youfor maintenance and support and who are eitherunder 21 years of age, or under 25 years of age and infull-time attendance at a recognized institution of

47

higher learning in Canada. Dependent Child(ren) alsoincludes children 21 years of age or over who arepermanently mentally or physically challenged andincapable of self-support.Doctor means a physician or surgeon who is registeredor licensed to practice medicine in the jurisdictionwhere the medical treatment or service is provided,and who is not related by blood or by marriage to theInsured Person to whom the service is rendered.

Dollars and $ means Canadian dollars.Emergency Medical Treatment means treatmentnecessary for the immediate relief of a MedicalEmergency.GHIP means the Government Health Insurance Plan ofan Insured Person’s province or territory of residence inCanada.Good Standing means with respect to the Accountthat the Cardmember has not advised the Policyholderto close it or the Policyholder has not suspended orrevoked credit privileges or otherwise closed theAccount.Hospital means an institution which is licensed toprovide, on an inpatient basis, medical care andtreatment of sick and injured persons through medical,diagnostic and major surgical facilities, under thesupervision of a staff of Doctors and with24-hour-a-day service. Hospital does not include anyinstitution or part of an institution which is licensed orused principally as a clinic, a continued care orextended care facility, a convalescent home, a resthome, a nursing home or home for the aged, a healthspa or a treatment centre for drug addiction oralcoholism.Insured Person means an eligible Cardmember under65 years of age and/or his or her Spouse under 65years of age and eligible Dependent Children whentravelling with the eligible Cardmember and/or his orher Spouse.

Medical Emergency means an unforeseen illness oraccidental injury which occurs during a Trip and whichrequires immediate medical care or treatment from aDoctor. A Medical Emergency ends when medicalevidence indicates that the Insured Person is able toreturn to his or her Canadian province or territory ofresidence.

Network means the network of Hospitals, Doctors andother medical providers with which Scotia Assist hasentered into an agreement to provide EmergencyMedical Treatment under the Policy.

Pre-Existing Condition means any medical condition forwhich symptoms appeared or for which an InsuredPerson sought the attention of a Doctor, had

48

investigated, diagnosed or treated, had treatment orfurther investigation recommended, or for whichmedication was prescribed or altered, in the 180 daysprior to the Trip departure date.

A Pre-Existing Condition does not include a MedicalCondition which is controlled by the consistent use ofmedications prescribed by a Doctor, provided that,during the 180-day period before the Insured Person’sdeparture, there has been no other treatment orinvestigation recommended and there has been nochange in medication. A new medication orincrease/decrease in dosage constitutes a change.

Reasonable and Customary Charges means chargeswhich do not exceed the general level of charges madeby other providers of similar standing in the locality orgeographical area where the charges are incurred,when furnishing comparable treatment, services orsupplies for a similar Medical Emergency.

ScotiaGold Passport VISA Travel Extension Coveragemeans coverage purchased by You directly throughScotia Assist, which extends the period of travelcovered under the definition of “Trip” to a period of45 consecutive days or less.Spouse means the person who is legally married to theCardmember or the person who has been living withthe Cardmember for a continuous period of at leastone year and is publicly represented as theCardmember's Spouse.

Trip means travel outside of Your province or territoryof residence in Canada for a period of 25 consecutivedays or less (45 consecutive days or less if You havepurchased ScotiaGold Passport VISA Travel ExtensionCoverage prior to Your departure from Your provinceor territory of residence in Canada). If, prior to Yourdeparture from Your province or territory ofresidence in Canada, You have not purchasedScotiaGold Passport VISA Travel ExtensionCoverage and Your Trip exceeds 25 days, nocoverage is provided under the Policy for any partof Your Trip, even if a Medical Emergency occurswithin the first 25 days of Your Trip. Any tripexceeding 45 days, or any part of such trip, is notcovered under the Policy. In the event of a claim,You will be required to provide proof of theoriginal date of departure and return. Only aMedical Emergency occurring during a Trip will beeligible for consideration.

2. ELIGIBILITYFor this coverage, the Cardmember and/or his or herSpouse who is under 65 years of age, a resident ofCanada and covered by a GHIP, is eligible forScotiaGold Passport VISA Travel Emergency Medical

49

Insurance coverage, provided that Your Account is inGood Standing. Your Dependent Children are onlyeligible for benefits when travelling with You and/orYour Spouse on a Trip.

3. BENEFITS

In the event of a Medical Emergency, Reasonable andCustomary charges for Emergency Medical Treatmentwill be paid, less any amount payable by orreimbursable under a GHIP, any group or individualhealth plans or insurance policies. Benefits are limitedto $1,000,000 for each Insured Person, subject to theLimitations and Exclusions. The following expenses areeligible for reimbursement:

Hospital Accommodation & Medical Expenses

Doctor Charges for Emergency Medical Treatment.

Private Duty Nursing when prescribed by a Doctor.

Diagnostic Services including laboratory tests, x-rayswhen prescribed by a Doctor. NOTE: magneticresonance imaging (MRI), computerized axialtomography (CAT scans), sonograms and ultrasoundmust be authorized in advance by Scotia Assist.

Ambulance Service to the nearest Hospital equipped toprovide the required Emergency Medical Treatment.

Emergency Air Transport to the nearest Hospital, orrepatriation to a Hospital in Your home province orterritory in Canada (when approved and arranged byScotia Assist) because the Insured Person’s conditionprecludes the use of other means of transportation.

Prescription Drug Reimbursement excluding any drugsor medications which are commonly available withoutprescription, or which are not legally registered andapproved in Canada or the U.S.A.

Accidental Dental Care to a maximum of $2,000 fortreatment of natural or permanently installed teeth,necessitated by an accidental blow to the mouth.

Medical Appliances including slings, braces, splints, andlocal rental of crutches, walkers and wheel chairs.

Return Airfare to cover any additional cost incurred fora one-way economy fare (less any refunds due onoriginal tickets) and, if required, the charge fortransportation of a stretcher and attending medicalpersonnel to return the Insured Person to Your homeprovince or territory in Canada if further medicaltreatment is warranted and when approved andarranged by Scotia Assist.

Transportation to Bedside from Canada for one of: theInsured Person’s Spouse, a parent, child, brother orsister when the Insured Person is hospitalized andexpected to remain so for three (3) days or more. Thisbenefit must be pre-approved by Scotia Assist. Thisbenefit includes one round-trip economy airfare, food

50

and accommodation expenses of $100 per day to amaximum of $1,500, and no-charge Scotia TravelMedical Insurance coverage for the person required atbedside for the duration of the Medical Emergency.

Vehicle Return Cost to a maximum of $1,000 to returnan Insured Person’s car to Your place of residence inCanada, or in the case of a rented vehicle, to thenearest appropriate rental location, when You areunable to return the vehicle as a result of a MedicalEmergency.

Car Accident Assistance when an Insured Person’svehicle is disabled as a result of an accident during theTrip. A maximum of $200 per day will be paid towardthe cost of accommodation, food, car rental, orcommercial transportation for the time the vehicle isinoperable for a maximum of three (3) daysimmediately following the accident.

Return of Deceased when death results from a MedicalEmergency, to a maximum of $5,000 for the cost ofpreparation (including cremation) and transport of theInsured Person (excluding the cost of a burial coffin orurn) to his or her home province or territory in Canada.

4. MEDICAL EMERGENCY PROCEDURES

When a Medical Emergency occurs, You must contactScotia Assist without delay. See Section 5 for coverageLimitations.

24-hour assistance is available by calling:From Canada and the U.S.A 1 800 263-0794From other countries (collect) 416-977-2130

If calling Scotia Assist from somewhere in the worldwhere a collect call is not possible, call direct and Youwill be reimbursed. Scotia Assist will confirm coverage,provide directions to the Network facility or the nearestappropriate medical facility, provide the necessaryauthorization of payment of eligible expensesand manage the Medical Emergency. Scotia Assist willmake every effort to pay or authorize payment ofeligible expenses to Hospitals, Doctors, and othermedical providers directly. If direct payment orpayment authorization is not possible, an InsuredPerson may be required to make payments. In thatevent, the Insured Person will be reimbursed foreligible expenses on submission of a valid claim.

5. LIMITATIONS

Failure to notify Scotia Assist immediately following aMedical Emergency, or as soon as possible under thecircumstances, will limit the benefits payable under thiscertificate as follows:

• No benefits will be payable for surgery or invasiveprocedures (such as cardiac catheterization) withoutprior approval by Scotia Assist, except in extremecircumstances where a request for prior approval

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would delay surgery needed in a life-threateningmedical crisis.

• Non-surgical eligible expenses for which benefitswould otherwise have been provided will be limitedto 80% of the total, to a maximum of $30,000.

Benefits payable are further limited as follows:

• In consultation with the attending Doctor, ScotiaAssist reserves the right to transfer the InsuredPerson to an appropriate Network facility or to Yourprovince or territory of residence in Canada forEmergency Medical Treatment. Refusal to complywill absolve the Insurer of any liability for expensesincurred after the proposed transfer date.

• Once a Medical Emergency ends, no further benefitsare payable for that Medical Emergency or for anyrecurrence of the condition which caused theMedical Emergency.

6. EXCLUSIONS

There is no coverage for any person 65 years of age orolder under this Policy, including where the 65thbirthday occurs during a Trip. Further, no benefits arepayable for any expenses incurred directly or indirectlyas a result of:

a) any Pre-existing Medical Condition as defined;

b) any Medical Emergency or Emergency MedicalTreatment that occurs other than during a Trip;

c) any elective or non-emergency surgery, treatment,or medication including ongoing care of a chroniccondition;

d) any Medical Emergency that occurs during a Tripwhere the primary purpose was to work outside ofCanada;

e) pregnancy, childbirth and/or related complications

occurring within nine weeks of the expecteddelivery date;

f) neo-natal care;

g) participation in a criminal offense;

h) intentionally inflicted injuries, suicide or any attemptthereat;

i) illness or accidental injury sustained while under theinfluence of drugs, medication, alcohol or otherintoxicants;

j) acts of terrorism, insurrection or war whetherdeclared or undeclared;

k) voluntary participation in a riot or civil commotion;

l) treatments that are not prescribed by a Doctor;

m) participation in professional sports, speed contests,dangerous sports or events including recreationalscuba diving (unless You hold a basic scuba

52

designation from a certified school or licensingbody); or

n) any part of any period of travel more than 25 daysunless ScotiaGold Passport VISA Travel ExtensionCoverage has been purchased prior to departurefrom Your province or territory of residence inCanada. ScotiaGold Passport VISA Travel ExtensionCoverage extends coverage to a maximum of45 days.

7. EXTENSION OF COVERAGE PROCEDURES FORTRIPS THAT EXCEED 25 DAYS

Coverage may be extended beyond 25 days to amaximum of 45 days. To purchase ScotiaGold PassportVISA Travel Extension Coverage call Scotia Assist at416-977-1552 or toll-free at 1 800 263-0997 fromwithin Canada prior to the Insured Person’s departurefrom his or her province or territory of residence. To beeligible for ScotiaGold Passport VISA Travel ExtensionCoverage the total duration of the period of travelmust not exceed 45 consecutive days, as determinedby the scheduled departure and return dates, includingthe days of departure and return.The premium for the ScotiaGold Passport VISA TravelExtension Coverage must be charged to YourScotiaGold Passport VISA card and must be paid in fullby You prior to Your Trip departure date.

CAUTIONS:

a) You are responsible for reviewing theconfirmation of coverage sent to You uponenrolment in ScotiaGold Passport VISA TravelExtension Coverage and notifying Scotia Assistimmediately of any inaccuracies.

b) If You do not have valid ScotiaGold PassportVISA Travel Extension Coverage for any periodof travel that exceeds 25 days, no coveragewhatsoever is provided under the Policy for theperiod of travel or any part thereof. This meansthat should a Medical Emergency occur withinthe first 25 days of the period of travel, nocoverage will be provided under the Policy.

c) Any trip exceeding 45 days or any part of suchtrip is not covered under the Policy.

8. AUTOMATIC EXTENSION OF COVERAGE

Coverage will be automatically extended for up tothree (3) days following the end of a MedicalEmergency.

In addition, Travel Emergency Medical Insurancecoverage will also be automatically extended beyondthe 25 day limit or 45-day limit if ScotiaGold PassportVISA Travel Extension Coverage has been purchased)for up to three (3) days if an Insured Person’s return to

53

his or her province or territory of residence in Canadais delayed solely as the result of:a) the delayed departure of the bus, train, plane or

ship on which he or she is booked, or

b) a delayed return as a result of an accident or themechanical breakdown of an Insured Person’spersonal vehicle.

9. CLAIM PROCEDURES

If Scotia Assist is notified in advance of medicaltreatment: If Scotia Assist authorizes Hospital or othermedical payments on an Insured Person’s behalf, theInsured Person must sign an authorization formallowing Scotia Assist to recover payments from his orher GHIP, other health plans or insurers and returnit to Scotia Assist within thirty (30) days. If an advancehas been made for ineligible expenses,You will berequired to reimburse Scotia Assist.

If Scotia Assist is not notified in advance of medicaltreatment: If eligible expenses are incurred for whichpayment has not been pre-authorized by Scotia Assist,they should be submitted to Scotia Assist with originalreceipts and payment statements.

Benefits may be excluded or reduced where ScotiaAssist has not been contacted in advance oftreatment (see Section 5 for Limitations onbenefit payments).

In the event of a claim, You will be required to submita completed claim form and provide documentation tosubstantiate the claim, including the following:

• Original, itemized medical invoices.

• Original prescription receipts.

• Date of birth.

• A photocopy of the Insured Person’s GHIP (Health)card.

• Name, address and phone number of employer.

• Proof of Your departure and/or return date (i.e.copy of tickets/receipts/prepaid accommodationinvoice/gas receipts).

• Name, address and policy numbers for all otherinsurance coverage You and the Insured Person mayhave, including group/individual health insuranceand credit card coverage.

• Signed authorization to obtain any further requiredinformation.

Claims submitted with incomplete or insufficientdocumentation may not be paid.

Claim forms can be obtained by calling Scotia Assist at1 800 263-0997 from Canada and the United States or416-977-1552 locally or collect from other countries.

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10. GENERAL PROVISIONS AND STATUTORYCONDITIONS

Unless otherwise expressly provided herein or in thePolicy, the following general provisions apply to thebenefits described in this Certificate:

Notice and Proof of Claim: Immediately after learningof a loss or an occurrence which may lead to a losscovered under the Policy, notify Scotia Assist by calling1 800 263-0997 from within Canada and the U.S.A.,or by calling 416-977-1552 locally, or collect fromother countries. The claimant will then be sent aclaim form.

Written notice of claim must be given to the Insurer assoon as reasonably possible after the occurrence orcommencement of any loss covered under the Policy,but in no event later than ninety (90) days from thedate of such occurrence or commencement. Writtennotice given by or on behalf of the claimant or thebeneficiary, with information sufficient to identifythe Cardmember, shall be deemed notice of claim.

The completed claim forms together with writtenproof of loss must be furnished to the Insurer as soonas reasonably possible, but in no event later than one(1) year from the date on which the loss occurred.

Payment of Claim: Benefits payable under the Policywill be paid upon receipt of full written proof, asdetermined by the Insurer.

Subrogation: Following payment of an Insured Person’sclaim for loss or damage under the Policy, the Insurershall be subrogated to the extent of the amount ofsuch payment, to all of the rights and remedies of theInsured Person against any party in respect of such lossor damage, and shall be entitled at its own expense tosue in the Insured Person’s name. The Insured Personshall give the Insurer all such assistance as the Insurermay reasonably require to secure its rights andremedies, including the execution of all documentsnecessary to enable the Insurer to bring suit in thename of the Insured Person.

Termination of Insurance: Coverage in respect of anInsured Person ends on the earliest of the followingdates:

a) the date Your Account is cancelled, closed or ceasesto be in Good Standing;

b) the date the Insured Person ceases to be eligible forcoverage; and

c) the date the Policy terminates.

No benefits will be paid under the Policy for lossesincurred after coverage has terminated.

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Legal Action: Every action or proceeding against aninsurer for the recovery of insurance money payableunder the contract is absolutely barred unlesscommenced within the time set out in the InsuranceAct, Limitations Act or other applicable legislation inYour province or territory.

False Claim: If You make a claim knowing it to be falseor fraudulent in any respect, You will not be entitled tothe benefit of coverage under the Policy, nor to thepayment of any claim made under the Policy.

Access to Medical Care: The Insurer, the Policyholderand Scotia Assist are not responsible for the availability,quality or results of any medical treatment ortransport, or for the failure of an Insured Person toobtain medical treatment.

If You Have a Concern or Complaint: If You have aconcern or complaint about Your coverage, please callthe Insurer at 1-800-263-0997 or the Policyholder at1-800-472-6842. The Insurer will do its best to resolveYour concern or complaint. If for some reason theInsurer is unable to do so to Your satisfaction, Youmay pursue the concern or complaint in writing to anindependent external organization. You may alsoobtain detailed information for the Insurer’s resolutionprocess and the external recourse either by calling theInsurer at the number listed above or at:www.assurantsolutions.ca/consumer-assistance.

Privacy:

American Bankers Life Assurance Company of Florida

The Insurer may collect, use, and share personalinformation provided by You to the Insurer, andobtained from others with Your consent, or asrequired or permitted by law. The Insurer may use theinformation to: serve You as a customer andcommunicate with You. The Insurer may process andstore Your information in another country, which maybe subject to access by government authorities underapplicable laws of that country. You may obtain a copyof the Insurer’s privacy policy by calling1-888-778-8023 or from their website:www.assurantsolutions.ca/privacy. If You have anyquestions or concerns regarding the privacy policy orYour options for refusing or withdrawing this consent,You may call the Insurer at the number listed above.

® Registered trademarks of The Bank of Nova Scotia.* Trademark of Visa International Service Association and used under license.

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Certificate of Rental Car Collision/Loss Damage InsuranceAmended and Restated Effective August 1, 2019

This Certificate of Insurance contains a clausewhich may limit the amount payable.

This Certificate of Insurance is effective October 3,2017 and provides a summary of the principalprovisions of Group Policy No. BNS102017 (hereinafterreferred to as the “Policy”) which alone constitutes theagreement under which benefits will be provided. TheGroup Policy is issued by American Bankers InsuranceCompany of Florida (the Insurer) to The Bank of NovaScotia (the Policyholder). You or a person making aclaim under this Certificate of Insurance may request acopy of the Policy and/or a copy of your application forthis insurance (if applicable) by writing to the Insurer atthe address shown below. Please read this Certificateof Insurance carefully, and carry it with You when Youtravel.

Claims payment and administrative services under thisPolicy are arranged by the Insurer. Scotia Assist is thePolicy administrator.

The Insurer's Canadian head office is located at 5000Yonge Street, Suite 2000, Toronto, Ontario M2N 7E9.

1. DEFINITIONS

In this Certificate of Insurance, the following words orphrases have the meanings set forth below:

Account means the up-to-date, unexpired andunrevoked ScotiaGold Passport® VlSA* (referredherein as ScotiaGold VISA) account of a Cardmember.

Car Sharing means a car rental club that provides itsmembers with 24-hour access to its own fleet of carsparked in a convenient location, and does not includeonline marketplace services which facilitate the rentalof privately owned cars, or other similar online services.

Cardmember means the primary cardholder under aScotiaGold VISA Account and any additional cardholderwhose name is embossed on the card. TheCardmember is referred to as “You” and “Your”.

Insured Person means an eligible Cardmember andany other person who holds a valid driver’s license andhas the Cardmember’s express permission to operatethe rental vehicle. This includes drivers not listed onYour rental contract, provided they would otherwisequalify under the rental contract.

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Loss of Use means the amount charged by a rentalagency to compensate it when a rental vehicle isunavailable for rental while undergoing repairs fordamage incurred during the rental period.

Tax-free car means a tax-free car package thatprovides tourists with a short-term (17 days to 6months), tax-free vehicle lease agreement with aguaranteed buyback. The Rental Car Collision/LossDamage Insurance program will not provide coveragefor Tax-free cars.

2. ELIGIBILITY

You are eligible for Rental Car Collision/Loss DamageInsurance (CLD) coverage when You rent most privatepassenger vehicles for a period not to exceed 48consecutive days, provided that:

a) You initiate the rental transaction with YourScotiaGold VISA card (if arranged in advance, bybooking or reserving the car rental with YourScotiaGold VISA) and by providing a ScotiaGold VISAimprint at the time You take possession of the car,and

b) You decline the rental agency’s Collision DamageWaiver (CDW) or Loss Damage Waiver (LDW), orsimilar provision, and

c) You rent the car in Your name and either:i) charge the entire cost of the car rental to Your

Account; orii) use Your Scotia Rewards® points to pay for all or

part of the rental, provided that if Your ScotiaRewards points do not pay for the entire cost ofthe car rental the remaining cost must becharged to Your Account.

Coverage is limited to one rental vehicle at a time, i.e.if during the same period there is more than onevehicle rental charged to the Account, only the firstrental will be eligible for these benefits.

The length of time You rent the vehicle must notexceed 48 days. If the rental period exceeds 48 days,no coverage will be provided, even for the first 48 daysof the rental period. Coverage may not be extendedfor more than 48 days by renewing or taking out anew rental agreement with the same or another rentalagency for the same vehicle or another vehicle.

In some countries, or regions of countries, the lawrequires the rental agencies to provide CDW in theprice of the car rental. In these locations, CLDinsurance will provide coverage of any deductible thatmay apply, provided all the procedures outlined in thisCertificate have been followed and You have waivedthe rental agency’s deductible waiver. No CDW orLDW premiums charged by rental agencies will bereimbursed under the Policy.

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Notes:• Rental vehicles which are part of pre-paid travel

packages are eligible for CLD insurance if the totalpackage was charged to Your Account and all othereligibility requirements were met.

• Rental vehicles which are part of a Car Sharingprogram are eligible for CLD insurance if the fullcost of each rental of a vehicle (per use and mileagecharges) was charged to Your Account and all othereligibility requirements were met. Some Car Sharingplans will include CDW/LDW in their membershipfee. If Your Car Sharing membership includesCDW/LDW, then CLD insurance under this Policywill only provide coverage for any deductible Youmay be held responsible for, provided all therequirements outlined in this Certificate ofInsurance have been met.

• “Free rentals” are also eligible for CLD insurancewhen received as the result of a promotion whereYou have had to make previous vehicle rentals, andeach such previous rental satisfied the eligibilityconditions set out in paragraphs a) through c).

• You are covered if You receive a “free rental”day(s) as a result of an airline point program (orother similar program) for the number of days offree rental. If the free rental day(s) are combinedwith rental days for which You pay the negotiatedrate, You must satisfy the eligibility conditions setout in paragraphs a) through c).

3. BENEFITS

CLD insurance is primary insurance which pays theamount for which You are liable to the rental agencyup to the actual cash value of the damaged or stolenvehicle as well as any valid and documented Loss ofUse, reasonable and customary towing charges, andadministration charges resulting from damage or theftoccurring while the rental vehicle is rented in Yourname. This includes damage resulting from maliciousvandalism and theft. Benefits are limited to onevehicle rental during any one period.

This coverage is available on a 24-hour basis anywherein the world, except where prohibited by law, orwhere the coverage is in violation of the terms of therental contract in the jurisdiction in which it wasformed. (See the section “Helpful Hints” for tips onhow to avoid having use of this coverage challenged).

4. TYPES OF VEHICLES COVERED

All cars, sports utility vehicles and “mini-vans” arecovered, except those vehicles excluded under section5 below.

A mini-van is defined as an automobile classified asa “mini-van” by the manufacturer or a government

59

authority and designed to transport a maximum ofeight persons including the driver and used exclusivelyfor transportation of the passengers and their luggage.

5. TYPES OF VEHICLES NOT COVERED

Vehicles which belong to the following categories areNOT covered:

• Vans, other than mini-vans as described above.

• Trucks, pick-up trucks or any vehicle that can bespontaneously reconfigured into a pick-up truck.

• Off-road vehicles - meaning any vehicle used onroads that are not publicly maintained roads unlessused to enter and exit private property.

• Motorcycles, mopeds or motorbikes.

• Campers, trailers or recreational vehicles.

• Vehicles not licensed for road use.

• Mini-buses or buses.

• Antique cars (cars which are over 20 years old orhave not been manufactured for 10 years or more).

• Any vehicle which is either wholly or in parthand-made, hand finished or has a limitedproduction of under 2,500 vehicles per year.

• Any vehicle with a Manufacturer’s Suggested RetailPrice (MRSP) excluding all taxes, over sixty-fivethousand dollars ($65,000) Canadian, at the timeand place of loss.

• Tax-free cars.

• Vehicles towing or propelling trailers or any otherobject.

• Exotic cars such as those listed below, or a car similarto those listed below:

Ferrari, Morgan,Aston Martin, Porsche,Bentley, Jensen,Rolls-Royce, Lamborghini,Sterling, Daimler,Lotus, TYR,Maserati, Excalibur.

6. LIMITATIONS AND EXCLUSIONS

CLD insurance does NOT include coverage for:

a) A replacement vehicle for which Your personalautomobile insurance or the repair shop iscovering all or part of the cost of the rental.

b) Loss or theft of personal belongings in thevehicle.

c) Third party liability (injury to anyone or anythinginside or outside the vehicle).

d) Expenses assumed, paid or payable by the rentalagency or its insurers.

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e) Damage/loss arising directly or indirectly from:• Operation of the vehicle by any driver other than

an Insured Person.

• Operation of the vehicle on other than regularlymaintained roads.

• Alcohol intoxication and/or the use of narcoticdrugs by the driver.

• Any dishonest, fraudulent or criminal actcommitted by the Cardmember and/or anyauthorized driver.

• Operation of the rental vehicle contrary to theterms of the rental agreement/contract.

• Wear and tear, gradual deterioration, ormechanical breakdown of the vehicle.

• Tires or damage to tires, unless part of a coveredloss.

• Insects or vermin, inherent vice or damage.

• War, hostile or warlike action, insurrection,rebellion, revolution, civil war, usurped power, oraction taken by government or public authority inhindering, combatting, or defending against suchaction.

• Seizure or destruction under quarantine orcustomer regulations, confiscation by order of anygovernment or public authority.

• Transportation of contraband, or illegal trade.

• Transportation of property or passengers for hire.

• Nuclear reaction, radiation or radioactivecontamination.

7. COVERAGE TERMINATION

Coverage under the Policy ends at the earliest of:

a) The time the rental agency reassumes control of therental vehicle, whether at its place of business orelsewhere.

b) Your Account privileges are suspended, revoked orotherwise terminated.

c) The Policy is cancelled.

8. IN THE EVENT OF AN ACCIDENT/THEFT

You must report a claim as soon as possible, andcertainly within 48 hours of the damage or thefthaving occurred. Call Scotia Assist at 1 800 756-4941from Canada and the United States, or 416-977-6707collect from elsewhere in the world.

A customer service representative will take down somepreliminary information, answer any questions Youmay have, and send You a claim form. You will berequired to submit a completed claim form and toprovide documentation to substantiate Your claim,

61

including the following:

• A copy of the driver’s licence of the person who wasdriving the car at the time of the accident.

• A copy of the loss/damage report You completedwith the rental agency.

• A copy of a police report.

• A copy of Your ScotiaGold VISA card sales draft, andYour statement of Account.

• A copy of the front and back of the car rentalagreement.

• A copy of the itemized repair estimate, final itemizedrepair bill and parts invoices.

• A copy of any receipt(s) for repairs for which Youmay have paid.

• If Loss of Use is charged, a copy of the rentalagency’s daily utilization log from the date the carwas not available for rental, to the date the carbecame available to rent.

If You would like to submit a claim online, please visithttps://www.scotia.assurant.com.

Claims submitted with incomplete or insufficientdocumentation may not be paid.

9. GENERAL CONDITIONS

a) If You make a claim knowing it to be false orfraudulent in any respect, You will not be entitled tothe benefits of this coverage, nor to the payment ofany claim made under the Policy.

b) You must use due diligence and do all thingsnecessary to avoid or reduce any loss or damage toa rental car protected by the Policy. The Insurer willnot unreasonably apply this requirement to avoidpayment claims.

c) The Insurer will be entitled, at its own expense, tosue third parties in an Insured Person’s name. Youwill provide all the assistance as may reasonably berequired, including the execution of all documentsnecessary to enable the Insurer to do so.

d) Every action or proceeding against an Insurer forthe recovery of insurance money payable under thecontract is absolutely barred unless commencedwithin the time set out in the Insurance Act,Limitations Act or other applicable legislation inYour province or territory.

e) If You Have a Concern or Complaint

If You have a concern or complaint about Yourcoverage, please call the Insurer at 1-800-756-4941or the Policyholder at 1-800-472-6842. The Insurerwill do its best to resolve Your concern orcomplaint. If for some reason the Insurer is unableto do so to Your satisfaction, You may pursue the

62

concern or complaint in writing to an independentexternal organization. You may also obtain detailedinformation for the Insurer’s resolution process andthe external recourse either by calling the Insurer atthe number listed above or at:www.assurantsolutions.ca/consumer-assistance.

f) Privacy

The Insurer may collect, use, and share personalinformation provided by You to the Insurer, andobtained from others with Your consent, or asrequired or permitted by law. The Insurer may usethe information to: serve You as a customer andcommunicate with You. The Insurer may processand store Your information in another country,which may be subject to access by governmentauthorities under applicable laws of that country.You may obtain a copy of the Insurer’s privacypolicy by calling 1-888-778-8023 or from theirwebsite: www.assurantsolutions.ca/privacy. IfYou have any questions or concerns regarding theprivacy policy or Your options for refusing orwithdrawing this consent, You may call the Insurerat the number listed above.

10. HELPFUL HINTS

Important: Check with Your personal insurer and therental agency to ensure that You and all other drivershave adequate personal property, personal injury andthird party liability coverages. The Policy only coversloss or damage to the rental vehicle as stipulatedtherein.

a) Some rental agencies may resist Your declining theirCDW/LDW coverage. They may try to encourageYou to take their coverage. If you refuse, they mayinsist You provide a deposit. Before booking a car,confirm that the rental agency will accept CLDinsurance without requiring a deposit. If they won’t,find one that will, and try to get writtenconfirmation. If booking your trip through a travelagency, let them know you want to take advantageof CLD insurance and have them confirm the rentalagency’s willingness to accept it.You will not be compensated for any payment Youmay have to make to obtain the rental agency’sCDW/LDW.

b) Check the rental car carefully for scratches, dentsand windshield chips and point out any damage tothe agency representative before You takepossession of the car. Have them note the damageon the rental agreement, or ask for another vehicle.

c) If the vehicle sustains damage of any kind,immediately phone the Scotia Assist at one of thenumbers provided. Advise the rental agent that You

63

have reported the claim and provide the ScotiaAssist's phone number.Do not sign a blank sales draft to cover thedamage and Loss of Use charges.

® Registered trademarks of The Bank of Nova Scotia.* Trademark of Visa International Service Association and used under license.

Telephone Directory

SCOTIAGOLD PASSPORT VISA CUSTOMER SERVICE

For general information:In Canada & U.S. 1 800 387-6508All other areas (collect) 416-288-8035

SCOTIA ASSIST & TRAVEL EMERGENCYMEDICAL INSURANCEFor travel emergency assistance:

In Canada & U.S. 1 800 263-0794All other areas (collect) 416-977-2130

For general information:In Canada & US 1 800 263-0997All other areas (collect) 416-977-1552

VISA ASSISTANCE CENTRE (VAC)For emergency card replacement/cash:

In Canada & U.S. 1 800 VISA-911All other areas (collect) 410-581-9994

TO REPORT INSURANCE CLAIMS FORPurchase Security, Extended Warranty,Lost & Delayed Luggage, Hotel/MotelBurglary, and Common CarrierAccident Insurance. 1 800 263-0997

Outside Canada & U.S. (collect) 416-977-1552Rental Car Collision 1 800 756-4941

Outside Canada & U.S. (collect) 416-977-6707

TO BOOK YOUR TRAVEL ARRANGEMENTSIn Canada & U.S. 1 800 665-2582Outside Canada & U.S. (collect) 905-696-5088

SCOTIA REWARDS CENTREIn Canada & U.S. 1 800 665-2582Outside Canada & U.S. (collect) 905-696-5088

FOR SCOTIA CREDIT CARD PROTECTIONIn Canada 1 855 753-4272

TELESCOTIA TELEPHONE BANKINGIn Canada & U.S. 1 800 267-1234

® Registered trademarks of The Bank of Nova Scotia.* Visa Int. / Lic. User.** The Bank of Nova Scotia authorized user of mark.† Foreign exchange and delivery charges, if applicable, will apply.†† Scotia Assist emergency service is provided by a 3rd party provider.1 Scotia Credit Card Cheques or cash advances through your ScotiaGold

Passport Visa account, do not earn points. Similarly, annual card feemembership or other card fees, interest charges, payments and debitadjustments do not earn points; and any merchandise purchased onyour card and returned to the merchant will result in an appropriateadjustment in your points balance.

2 Scotia Rewards Travel Service and Travel Booking Site provided by aduly licensed 3rd party travel agent HRG (Hogg Robinson Group).

3 You are liable for all charges incurred on your account with anysupplementary card issued in connection with the account. When yourequest Scotiabank to issue a supplementary card, we will also issuerenewal and replacement cards for such supplementary card, unless thecard is cancelled by you or Scotiabank. A Supplementary Cardholder’ssignature on or use or retention of the supplementary card issued in hisor her name shall evidence your receipt of the agreements relating tothe account and your acceptance of their terms.

4 To qualify for the 5% Cash Back rebate, all reservations and travelarrangements must be made through the Scotia Rewards Travel Service(Travel Services provided by a duly licensed 3rd party travel agent) andcharged to your ScotiaGold Passport Visa card. Eligible expenses includeairline tickets, pre-packaged tours and cruises. Taxes, service charges,insurance, hotels, motels, car rentals and personal expenditures areexcluded, unless already included in pre-packaged tours.

5 Purchase Security, Extended Warranty, Delayed/Lost Baggage Insurance,Hotel/Motel Burglary Insurance, and Rental Car Collision/Loss DamageInsurance are underwritten by American Bankers Insurance Company ofFlorida. Travel Accident Insurance and Travel Emergency MedicalInsurance are underwritten by American Bankers Life AssuranceCompany of Florida.

All claims for insurance indemnities must be forwarded to the insurers.Details of the coverage, including definitions, benefits, limitations, andexclusions are in the Certificate of Insurance provided with the card.Read the Certificate of Insurance then keep it in a safe place with yourother valuable documents, and take it with you when you travel.

6 For full details about our Online Security Guarantee, visitscotiabank.com/guarantee.

7 There is no cost for Scotia® InfoAlerts. Standard message and datacharges may be applied by your mobile carrier.

10 Merchants set their own limits for the maximum value of a VisapayWave transaction that does not require a signature or PIN.

Scotia Credit Card Protection is underwritten by Chubb Life InsuranceCompany of Canada under a Group Policy issued to the Bank of Nova Scotia.All coverage is subject to the terms and conditions outlined in the Certificateof Insurance which you will receive upon enrolment.

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