Common use of Termination Notice Clause in Contracts

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Disclaimers Your Program Card is subject to the terms of the agreements that apply to your Program Card including your credit agreement (the Revolving Credit Agreement), your disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa Cardmembers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa Cardmembers. These Additional Terms and Conditions for Scotiabank Visa Cardmembers are separate and apart from the account and/or cardholder agreements (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® Registered trademark of The Bank of Nova Scotia. TM Trademark of The Bank of Nova Scotia. * Visa Int./Licensed User. All other trademarks or brand names are the property of their respective owners. ADDITIONAL TERMS AND CONDITIONS FOR SCOTIABANK AMERICAN EXPRESS CARDMEMBERS

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Account. Disclaimers Your Program Card is subject to the terms of the agreements that apply to your Program Card including your credit agreement (the Revolving Credit Agreement), your the disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. xxxxxxxxxx.xxx If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. These Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers are separate and apart from the account and/or cardholder agreements (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® ®* Registered trademark trademarks of The Bank of Nova Scotia. TM Trademark ® Registered trademarks of The Bank of Nova Scotia. * Visa Int./Licensed UserAmerican Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express. ®† Used by Amex Bank of Canada under license of American Express. All other trademarks or brand names are the property of their respective owners. ADDITIONAL TERMS AND CONDITIONS CONDITONS FOR SCOTIABANK AMERICAN EXPRESS CARDMEMBERSDEBIT CARDMEMBERS Overview These “Additional Terms and Conditions for Scotiabank Debit Cardmembers” are established by Scotiabank. These Additional Terms and Conditions for Scotiabank Debit Cardmembers apply to the eligible Scotiabank debit cards issued by Scotiabank that are associated with the Scene+ Program (each a “Program Card” or “Card”) and the eligible bank accounts associated with those Program Cards (the “Program Card Accounts”). The Program Card Account are Ultimate Package, Preferred Package, Student Banking Advantage Plan, Getting There Savings Program for Youth, and Private Banking accounts. The Program Cards are Scotiabank Scene+ debit card and Scotiabank Passport debit card. This list of Program Card Accounts and Program Cards may be changed by Scotiabank from time to time without notice. These Additional Terms and Conditions for Scotiabank Debit Cardmembers supplement the Scene+ Program Terms and Conditions and the Scene+ Privacy Policy, each of which is established by Scene LP and continue to apply in addition to these Additional Terms and Conditions for Scotiabank Debit Cardmembers. Please remember to review these Additional Terms and Conditions for Scotiabank Debit Cardmembers, the Scene+ Program Terms and Conditions, and the Scene+ Privacy Policy that apply to your participation in the Program. For information on how Scotiabank may collect, use or share your personal information, please see the Scotiabank Privacy Agreement. All capitalized terms that appear in these Additional Terms and Conditions for Scotiabank Debit Cardmembers that are not defined in these Additional Terms and Conditions for Scotiabank Debit Cardmembers have the meaning given to such terms in the Scene+ Program Terms and Conditions. Currency: All amounts referred to are in Canadian dollars unless otherwise specified (Canadian $). Other Definitions that you should know: Cardmember or Scene+ Cardmember: An individual to whom a Program Card that earns Scene+ Points has been issued. Good Standing: A Program Card Account and associated Program Card(s) are in good standing if the Program Card Account is not overdrawn or, if overdraft protection applies, not overdrawn beyond the overdraft limit, and the Cardmember(s) is not in breach of the account agreement that applies to the Program Card Account.

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Account. Disclaimers Your Program Card is subject to the terms of the agreements ScotiaCard Cardholder Agreement that apply to you received with your Program Card including your credit agreement (the Revolving Credit Agreement), your disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa CardmembersDebit Cardmemb ers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers. These Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers are separate and apart from the account and/or cardholder agreements agreement (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® Registered trademark of The Bank of Nova Scotia. TM Trademark of The Bank of Nova Scotia. * Visa Int./Licensed User. All other trademarks or brand names are the property of their respective owners. owners ADDITIONAL TERMS AND CONDITIONS FOR SCOTIABANK AMERICAN EXPRESS CARDMEMBERSREDEMPTIONS THROUGH APPLE AND BEST BUY CATALOGUES

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Account. Disclaimers Your Program Card is subject to the terms of the agreements that apply to your Program Card including your credit agreement (the Revolving Credit Agreement), your disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa Cardmembers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa Cardmembers. These Additional Terms and Conditions for Scotiabank Visa Cardmembers are separate and apart from the account and/or cardholder agreements (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® Registered trademark of The Bank of Nova Scotia. TM Trademark of The Bank of Nova Scotia. * Visa Int./Licensed User. All other trademarks or brand names are the property of their respective owners. ADDITIONAL TERMS AND CONDITIONS FOR SCOTIABANK AMERICAN EXPRESS CARDMEMBERS

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Account. Disclaimers Your Program Card is subject to the terms of the agreements ScotiaCard Cardholder Agreement that apply to you received with your Program Card including your credit agreement (the Revolving Credit Agreement), your disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers. These Additional Terms and Conditions for Scotiabank Visa Debit Cardmembers are separate and apart from the account and/or cardholder agreements agreement (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® Registered trademark of The Bank of Nova Scotia. TM Trademark of The Bank of Nova Scotia. * Visa Int./Licensed User. All other trademarks or brand names are the property of their respective owners. owners ADDITIONAL TERMS AND CONDITIONS FOR SCOTIABANK AMERICAN EXPRESS CARDMEMBERSREDEMPTIONS THROUGH APPLE AND BEST BUY CATALOGUES

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Account. Disclaimers Your Program Card is subject to the terms of the agreements that apply to your Program Card including your credit agreement (the Revolving Credit Agreement), your the disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. xxxxxxxxxx.xxx If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. These Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers are separate and apart from the account and/or cardholder agreements (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® ®* Registered trademark trademarks of The Bank of Nova Scotia. TM Trademark ® Registered trademarks of The Bank of Nova Scotia. * Visa Int./Licensed UserAmerican Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express. ®† Used by Amex Bank of Canada under license of American Express. All other trademarks or brand names are the property of their respective owners. ADDITIONAL TERMS AND CONDITIONS CONDITONS FOR SCOTIABANK AMERICAN EXPRESS DEBIT CARDMEMBERS

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Account. Disclaimers Your Program Card is subject to the terms of the agreements that apply to your Program Card including your credit agreement (the Revolving Credit Agreement), your the disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. xxxxxxxxxx.xxx If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. These Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers are separate and apart from the account and/or cardholder agreements (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® ®* Registered trademark trademarks of The Bank of Nova Scotia. TM Trademark ® Registered trademarks of The Bank of Nova Scotia. * Visa Int./Licensed UserAmerican Express is a registered trademark of American Express. All other trademarks or brand names are This credit card program is issued and administered by the property Bank of their respective ownersNova Scotia under license from American Express. ADDITIONAL TERMS AND CONDITIONS FOR SCOTIABANK AMERICAN EXPRESS CARDMEMBERS®† Used by Amex Bank of Canada under license of American Express.

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Account. Disclaimers Your Program Card is subject to the terms of the agreements that apply to your Program Card including your credit agreement (the Revolving Credit Agreement), your the disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. xxxxxxxxxx.xxx If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. These Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers are separate and apart from the account and/or cardholder agreements (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® ®* Registered trademark trademarks of The Bank of Nova Scotia. TM Trademark ® Registered trademarks of The Bank of Nova Scotia. * Visa Int./Licensed UserAmerican Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express. ®† Used by Amex Bank of Canada under license of American Express. All other trademarks or brand names are the property of their respective owners. ADDITIONAL TERMS AND CONDITIONS CONDITONS FOR SCOTIABANK AMERICAN EXPRESS CARDMEMBERSDEBIT CARDMEMBERS Overview These “Additional Terms and Conditions for Scotiabank Debit Cardmembers” are established by Scotiabank. These Additional Terms and Conditions for Scotiabank Debit Cardmembers apply to the eligible Scotiabank debit cards issued by Scotiabank that are associated with the Scene+ Program (each a “Program Card” or “Card”) and the eligible bank accounts associated with those Program Cards (the “Program Card Accounts”). The Program Card Account are Ultimate Package, Preferred Package, Student Banking Advantage Plan, Getting There Savings Program for Youth, and Private Banking accounts. The Program Cards are Scotiabank Scene+ debit card, Scotiabank Passport debit card and Scotia Wealth Management® debit card. This list of Program Card Accounts and Program Cards may be changed by Scotiabank from time to time without notice. These Additional Terms and Conditions for Scotiabank Debit Cardmembers supplement the Scene+ Program Terms and Conditions and the Scene+ Privacy Policy, each of which is established by Scene LP and continue to apply in addition to these Additional Terms and Conditions for Scotiabank Debit Cardmembers. Please remember to review these Additional Terms and Conditions for Scotiabank Debit Cardmembers, the Scene+ Program Terms and Conditions, and the Scene+ Privacy Policy that apply to your participation in the Program. For information on how Scotiabank may collect, use or share your personal information, please see the Scotiabank Privacy Agreement. All capitalized terms that appear in these Additional Terms and Conditions for Scotiabank Debit Cardmembers that are not defined in these Additional Terms and Conditions for Scotiabank Debit Cardmembers have the meaning given to such terms in the Scene+ Program Terms and Conditions. Currency: All amounts referred to are in Canadian dollars unless otherwise specified (Canadian $). Other Definitions that you should know: Cardmember or Scene+ Cardmember: An individual to whom a Program Card that earns Scene+ Points has been issued. Good Standing: A Program Card Account and associated Program Card(s) are in good standing if the Program Card Account is not overdrawn or, if overdraft protection applies, not overdrawn beyond the overdraft limit, and the Cardmember(s) is not in breach of the account agreement that applies to the Program Card Account.

Termination Notice. In the event we terminate these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers for all Program Cards, the Primary Cardmember will be notified (in the same way we provide notice of other Terms and Conditions Changes as described above). Any unused Scene+ Points associated with the Program Card will continue to be available in the Scene+ Account Account. Disclaimers Your Program Card is subject to the terms of the agreements that apply to your Program Card including your credit agreement (the Revolving Credit Agreement), your the disclosure statement that we provided with your Program Card, and the Scotiabank Privacy Agreement. Your Revolving Credit Agreement is also available at xxxxxxxxxx.xxx. xxxxxxxxxx.xxx If you have a dispute with a merchant that is involved in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers, including for any purchase you may make using your Program Card, you must resolve those disputes with those merchants directly as described in your agreements for your Program Card or as described in these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. The limitations of liability set forth in the Scene+ Program Terms and Conditions apply to these Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers. These Additional Terms and Conditions for Scotiabank Visa American Express Cardmembers are separate and apart from the account and/or cardholder agreements (the “Other Agreements”) that apply to your Program Card and deal with a rewards program offered by Scene LP that is independent of those Other Agreements. ® ®* Registered trademark trademarks of The Bank of Nova Scotia. TM Trademark ® Registered trademarks of The Bank of Nova Scotia. * Visa Int./Licensed UserAmerican Express is a registered trademark of American Express. This credit card program is issued and administered by the Bank of Nova Scotia under license from American Express. ®† Used by Amex Bank of Canada under license of American Express. All other trademarks or brand names are the property of their respective owners. ADDITIONAL TERMS AND CONDITIONS FOR SCOTIABANK AMERICAN EXPRESS CARDMEMBERS.