Common use of SUPPLEMENTARY CARDMEMBERS Clause in Contracts

SUPPLEMENTARY CARDMEMBERS. Purchases made by a Supplementary Cardmember will earn Scene+ Points for the benefit of the Primary Scene+ Cardmember on the Program Card Account (not the Co-Borrower on the Program Card Account). Supplementary Cardmembers earn the same number of Scene+ Points on purchases as the Primary Scene+ Cardmember (and Co-Borrower) earn, unless we advise you otherwise. 3.3 Bonus Scene+ Points: Scotiabank may offer additional bonus Scene+ Points (the “Bonus Points”) from time to time and these Bonus Points offers may be for time-limited periods. Any Bonus Points that may be offered to you under these Additional Terms and Conditions for Scotiabank American Express Cardmembers will be applied to the Primary Scene+ Cardmember’s Account, irrespective of how Bonus Points were earned. These Bonus Points may be earned for opening a Program Card Account with us or other activity on the Program Card or Program Card Account and can be issued for other transactions associated with the Program Card. These offers may also be available with third parties that are authorized by Scotiabank to provide these offers to you. Scotiabank will disclose the terms and conditions that apply to the Bonus Points if applicable, including if they are being provided to you by a third party. These Additional Terms and Conditions for Scotiabank American Express Cardmembers continue to apply to Bonus Points.

SUPPLEMENTARY CARDMEMBERS. Purchases made by a Supplementary Cardmember will earn Scene+ Points for the benefit of the Primary Scene+ Cardmember on the Program Card Account (not the Co-Borrower on the Program Card Account). Supplementary Cardmembers earn the same number of Scene+ Points on purchases as the Primary Scene+ Cardmember (and Co-Borrower) earn, unless we advise you otherwise. 3.3 Bonus Scene+ Points: Scotiabank may offer additional bonus Scene+ Points (the “Bonus Points”) from time to time and these Bonus Points offers may be for time-limited periods. Any Bonus Points that may be offered to you under these Additional Terms and Conditions for Scotiabank American Express Visa Cardmembers will be applied to the Primary Scene+ Cardmember’s Account, irrespective of how Bonus Points were earned. These Bonus Points may be earned for opening a Program Card Account with us or other activity on the Program Card or Program Card Account and can be issued for other transactions associated with the Program Card. These offers may also be available with third parties that are authorized by Scotiabank to provide these offers to you. Scotiabank will disclose the terms and conditions that apply to the Bonus Points Points, if applicable, including if they are being provided to you by a third party. These Additional Terms and Conditions for Scotiabank American Express Visa Cardmembers continue to apply to Bonus Points.

SUPPLEMENTARY CARDMEMBERS. Purchases made by a Supplementary Cardmember will earn Scene+ Points for the benefit of the Primary Scene+ Cardmember on the Program Card Account (not the Co-Borrower on the Program Card Account). Supplementary Cardmembers earn the same number of Scene+ Points on purchases as the Primary Scene+ Cardmember (and Co-Borrower) earn, unless we advise you otherwise. 3.3 Bonus Scene+ Points: Scotiabank may offer additional bonus Scene+ Points (the “Bonus Points”) from time to time and these Bonus Points offers may be for time-time- limited periods. Any Bonus Points that may be offered to you under these Additional Terms and Conditions for Scotiabank American Express Cardmembers will be applied to the Primary Scene+ Cardmember’s Account, irrespective of how Bonus Points were earned. These Bonus Points may be earned for opening a Program Card Account with us or other activity on the Program Card or Program Card Account and can be issued for other transactions associated with the Program Card. These offers may also be available with third parties that are authorized by Scotiabank to provide these offers to you. Scotiabank will disclose the terms and conditions that apply to the Bonus Points if applicable, including if they are being provided to you by a third party. These Additional Terms and Conditions for Scotiabank American Express Cardmembers continue to apply to Bonus Points.

SUPPLEMENTARY CARDMEMBERS. Purchases made by a Supplementary Cardmember will earn Scene+ Points for the benefit of the Primary Scene+ Cardmember on the Program Card Account (not the Co-Borrower on the Program Card Account). Supplementary Cardmembers earn the same number of Scene+ Points on purchases as the Primary Scene+ Cardmember (and Co-Borrower) earn, unless we advise you otherwise. 3.3 Bonus Scene+ Points: Scotiabank may offer additional bonus Scene+ Points (the “Bonus Points”) from time to time and these Bonus Points offers may be for time-time- limited periods. Any Bonus Points that may be offered to you under these Additional Terms and Conditions for Scotiabank American Express Visa Cardmembers will be applied to the Primary Scene+ Cardmember’s Account, irrespective of how Bonus Points were earned. These Bonus Points may be earned for opening a Program Card Account with us or other activity on the Program Card or Program Card Account and can be issued for other transactions associated with the Program Card. These offers may also be available with third parties that are authorized by Scotiabank to provide these offers to you. Scotiabank will disclose the terms and conditions that apply to the Bonus Points Points, if applicable, including if they are being provided to you by a third party. These Additional Terms and Conditions for Scotiabank American Express Visa Cardmembers continue to apply to Bonus Points.

SUPPLEMENTARY CARDMEMBERS. Purchases made by a Supplementary Cardmember will earn Scene+ Points for the benefit of the Primary Scene+ Cardmember on the Program Card Account (not the Co-Borrower on the Program Card Account). Supplementary Cardmembers earn the same number of Scene+ Points on purchases as the Primary Scene+ Cardmember (and Co-Borrower) earn, unless we advise you otherwise. 3.3 Bonus Scene+ Points: Scotiabank may offer additional bonus Scene+ Points (the “Bonus Points”) from time to time and these Bonus Points offers may be for time-time- limited periods. Any Bonus Points that may be offered to you under these Additional Terms and Conditions for Scotiabank American Express Cardmembers will be applied to the Primary Scene+ Cardmember’s Account, irrespective of how Bonus Points were earnedearned unless the offer states otherwise. These Bonus Points may be earned for opening a Program Card Account with us or other activity on the Program Card or Program Card Account and can be issued for other transactions associated with the Program Card. These offers may also be available with third parties that are authorized by Scotiabank to provide these offers to you. Scotiabank will disclose the terms and conditions that apply to the Bonus Points if applicable, including if they are being provided to you by a third party. These Additional Terms and Conditions for Scotiabank American Express Cardmembers continue to apply to Bonus Points.

SUPPLEMENTARY CARDMEMBERS. Purchases made by a Supplementary Cardmember will earn Scene+ Points for the benefit of the Primary Scene+ Cardmember on the Program Card Account (not the Co-Borrower on the Program Card Account). Supplementary Cardmembers earn the same number of Scene+ Points on purchases as the Primary Scene+ Cardmember (and Co-Borrower) earn, unless we advise you otherwise. 3.3 Bonus Scene+ Points: Scotiabank may offer additional bonus Scene+ Points (the “Bonus Points”) from time to time and these Bonus Points offers may be for time-time- limited periods. Any Bonus Points that may be offered to you under these Additional Terms and Conditions for Scotiabank American Express Visa Cardmembers will be applied to the Primary Scene+ Cardmember’s Account, irrespective of how Bonus Points were earnedearned unless the offer states otherwise. These Bonus Points may be earned for opening a Program Card Account with us or other activity on the Program Card or Program Card Account and can be issued for other transactions associated with the Program Card. These offers may also be available with third parties that are authorized by Scotiabank to provide these offers to you. Scotiabank will disclose the terms and conditions that apply to the Bonus Points Points, if applicable, including if they are being provided to you by a third party. These Additional Terms and Conditions for Scotiabank American Express Visa Cardmembers continue to apply to Bonus Points.