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Notice: Important Changes to the Scotia Rewards Program

notice : Important Changes to the Scotia Rewards ProgramEffective November 7, 2016 This notice applies to scotiabank credit card customers (the Cardmembers ) who have the following credit cards: ScotiaGold Passport Visa* card, ScotiaGold Passport for business Visa* card and scotiabank Rewards Visa* card (each referred to in this notice as a scotiabank Credit Card). Effective November 7, 2016, the Scotia Rewards Program (the Program ) is changing to provide increased flexibility and new redemption options. Plus, we have made other Changes to the Program as described in this is a summary of what you can expect. A revised version of the terms and conditions for the Program is also attached with this notice .

Notice: Important Changes to the Scotia Rewards® Program Effective November 7, 2016 This notice applies to Scotiabank credit card customers (the “Cardmembers”) who have the following credit cards: ScotiaGold Passport® Visa* card, ScotiaGold Passport ® for business Visa* card and Scotiabank Rewards Visa* card (each referred to in this notice as a Scotiabank Credit Card).

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