Investment - Scotiabank Global Site

1 Investment estment Companion Companion Booklet Booklet May 2018. September 2011. DEFINITIONS YOU NEED TO KNOW. In this booklet, we use a few terms to make it easier to talk about our Investment services. Here's what those terms mean. Unless it says otherwise in this booklet, you and your mean: the annuitant, in the case of a Registered Savings Account, or Registered Income Account the account holder, in the case of a Tax-Free Savings Account the subscriber or co-subscribers, in the case of a Registered Education Savings Account the account holder or holders, in the case of a Registered Disability Savings Account the owner or owners of the account, in the case of an Investment Account Unless it says otherwise in this booklet, we, our and us refers to one or more members of Scotiabank , depending on the context.

2 Scotiabank means, collectively, The Bank of Nova Scotia and all of The Bank of Nova Scotia's affiliates and subsidiaries with respect to their operations in Canada, including without limitation, The Bank of Nova Scotia Trust Company (Scotiatrust), Scotia Securities Inc. (SSI), and 1832 Asset Management We've kept the language in this booklet as easy to understand as possible, but here and there you'll come across technical terms. You can refer to the glossary at the end of this booklet if you want to check the definition of any of these terms. GENERAL TERMS AND CONDITIONS.

3 You agree to the terms and conditions in this booklet, including the Account Application Agreement, Investment Directions Agreement, Scotiabank Privacy Agreement and the Telephone/Facsimile/E-mail Agreement as they apply to you. The terms and conditions and each agreement that applies to you are binding on you, your estate, your heirs, executors, administrators and your personal legal representatives. Each agreement contained in this booklet is a separate contract. If a court rules that any part of this booklet is invalid, the remaining parts continue to be in effect and binding.

4 Scotiabank Investment Companion Booklet TABLE OF CONTENTS. 2. OPENING YOUR SCOTIA Investment ACCOUNT OR. SCOTIA REGISTERED 4. YOU'RE 8. TYPES OF ACCOUNTS FOR YOUR 9. SCOTIA REGISTERED 9. Scotia Registered Savings Accounts Scotia RSP, LRSP, LIRA and 9. Scotia Tax-Free Savings Accounts Scotia 11. Scotia Registered Education Savings Plans Scotia 13. Scotia Disability Savings Plans Scotia 24. Scotia Registered Income Accounts Scotia RIF, LIF, LRIF, PRIF and 31. SCOTIA Investment 39. YOUR Investment 44. MANAGING YOUR 49. FEES FOR YOUR 53. DISCLOSURE AND 56.

5 91. 1. INTRODUCTION. Welcome to Scotiabank . Thank you for giving us the opportunity to help you manage your investments. Our objective is to help you match your Investment plan with your financial goals in a way that makes you feel confident in the future. Think of us as your Investment coach. We can work with you as much or as little as you want, so you can design and manage your Investment portfolio. What's in this booklet? This booklet explains the different Investment accounts we offer through our retail branch network and the basic features of each account.

6 For detailed information, please contact your Scotiabank representative. Once you know which account or accounts you want, you need to decide how you're going to invest your money. Later in the booklet we explain the specific investments you can combine in your account. For quick reference, you can use the table of contents to search for the Investment accounts and Investment options you're interested in. Starting on page 53, you'll find the fees that apply to your account. Starting on page 54, you'll find the disclosures and agreements that apply to your account.

7 When you sign the application to open your account, you agree to be bound by the relevant terms and conditions, so we recommend that you spend some time reviewing them. We'll give you a copy of this booklet when you first set up a Scotia Registered Savings Account (Scotia RSP, LRSP, LIRA and RLSP), Registered Income Account (Scotia RIF, LIF, LRIF, PRIF. and RLIF), Registered Education Savings Plan (RESP), Tax-Free Savings Account (TFSA), Registered Disability Savings Plan (RDSP), and Investment Account. The agreements in this booklet and any updates apply to your accounts and any future accounts and transactions you have with us.

8 If you need to obtain a new copy of this booklet, ask at any of our branches or go online to Our commitment to you Most important of all is the way we manage your private information, and that's where our commitment to privacy comes into effect. We've explained this in the section called Scotiabank Privacy Agreement towards the end of the booklet. We believe strongly that this commitment forms the basis of our relationship with you. Our commitment to you is to help you find Investment solutions that meet your financial goals, solutions that focus on investing early, investing regularly and staying invested.

9 We'll only provide you with financial services you have authorized us to provide. These services are related to your Scotia Investment Accounts and Scotia Registered Accounts and to the investments you hold within these accounts. 2 Introduction Scotiabank Investment Companion Booklet A note about dealers A dealer is a company that manages the operation of your account on your behalf. We have two dealers to serve you: The Bank of Nova Scotia and Scotia Securities Inc. If you open an account with The Bank of Nova Scotia as your dealer, you may hold cash, high interest savings, and Scotia GICs in your account.

10 If you open an account with Scotia Securities Inc., you may hold cash, high interest savings, Scotia GICs and mutual funds. The Bank of Nova Scotia is a Schedule I Chartered Bank that is subject to regulation under the Bank Act (Canada). Scotia Securities Inc. is registered with the provincial securities commissions and territorial authorities as a mutual fund dealer to distribute mutual funds to Canadian investors. Scotia Securities Inc. is a member of the Mutual Fund Dealers Association of Canada. Registered sales representatives and advisors are employees of Scotia Securities Inc.