Scotiabank® GM®* Visa* Business Card

You will earn 5% in GM Earnings on the first $10,000 of net purchases made annually with your Scotiabank GM Visa Business Card. You earn 2% in GM Earnings on net purchases thereafter. GM Earnings are not awarded for cash advances, balance transfers, Scotia? Credit Card Cheques, credit vouchers, returns, refunds or other similar credits, payments, fees or interest. See the GM Card Earnings Program terms and conditions at?http://www.scotiabank.com/ca/common/cc/pdf/en/tc_en.pdf?for full Program details. The GM Card Earnings Program is operated by the General Motors of Canada Company. The Bank of Nova Scotia and its affiliates are not responsible for the Program including GM Earnings.

Eligibility and Exclusions:?Individuals who are currently or were previously primary or secondary cardholders of a Scotiabank small business credit card in the past 2 years, including those that switch from an existing Scotiabank small business credit card, as well as employees of Scotiabank, are not eligible for the 2.99% introductory interest rate offer (the ?Offer?). Subject to the above exclusions, Scotiabank retail credit cardholders are eligible for the Offer.

Offer Description and Conditions:The introductory 2.99% interest rate applies only to cash advances (including balance transfers, Scotia? Credit Card Cheques and cash-like transactions) (collectively ?Cash Advances?) (the ?Offer?).? This rate applies when the new Scotiabank credit card account (?Account?) is opened by October 31, 2019 and will continue for 6 months from date of Account opening (the ?Promotional Period?).? This Offer cannot be used to transfer a balance from another Scotiabank account, or to make a payment or deposit to another Scotiabank account.? After the Promotional Period, the 2.99% interest rate on any promotional balance transfers (including any that remain unpaid after the Promotional Period ends) will increase to the preferred interest rate on Cash Advances (currently 22.99%). If you don?t pay the minimum payment on your Account by the payment due date on your statement, two times in any consecutive 12-month period, you will lose the benefit of this promotional rate Offer and the interest rates that apply on any unpaid balance will increase to the standard annual interest rates that apply to your Account (currently 24.99% on purchases and 27.99% on Cash Advances).?

Payment Allocation:In general, if you make a payment that exceeds the minimum payment on your statement, we will apply your payment on a proportionate basis among each group of billed charges on your Account. We group charges based on the interest rate that applies to the group of charges.?Your payment cannot be applied to the balance(s) of your choice. See your credit card agreement for more information about how we apply payments to your Account.?A Balance Transfer fee of 0% of the amount of each Balance Transfer transferred during the Promotional Period applies to this Offer.

Rates and Fees:The current annual fee is $79 for the primary card and $29 for each additional supplementary card.?The current preferred annual interest rates for the Account are: 19.99% on purchases and 22.99% on Cash Advances.
All rates, fees, features and benefits are subject to change. Offers may be changed, cancelled or extended and cannot be combined with any other offers.

All Scotiabank retail credit cards, except ScotiaLine Visa card, will have Visa payWave when issued or reissued.

If you cancel your credit card, your credit privileges are revoked or your account is closed, your GM Earnings must be redeemed within 90 days or they will be forfeited. If your account is not in good standing, GM Earnings are not eligible for redemption. Please refer to the GM Card Earnings Program Terms and Conditions for details.

Earnings may be applied toward the Total Purchase Price or lease down payment of any eligible new Chevrolet, Buick, GMC, or Cadillac. The 'Total Purchase Price' consists of the vehicle price (up to the Manufacturer's Suggested Retail Price), freight and PDI, air tax, and applicable sales taxes. The 'Total Purchase Price' excludes costs associated with licensing, registration, insurance, dealer fees, accessories, additional options, extended warranties, maintenance or service plans and other services such as OnStar and SiriusXM. OnStar and the OnStar emblem are registered trademarks of OnStar, LLC. 2016 Sirius XM Radio Inc. Sirius, XM and all related marks and logos are trademarks of Sirius XM Radio Inc. See the GM Card Earnings Program terms and conditions at?http://www.scotiabank.com/ca/common/cc/pdf/en/tc_en.pdf?for full Program details. The GM Card Earnings Program is operated by General Motors of Canada Company. The Bank of Nova Scotia and its affiliates are not responsible for the Program including GM Earnings.

Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) and/or American Bankers Life Assurance Company of Florida (ABLAC). The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the respective insurers. Details of the coverage, including definitions, benefits, limitations, and exclusions are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.

The Primary Cardholder on the Scotiabank GM Visa Business Card Account (the ?Account?) is responsible for all charges to the Account including those made by the additional Supplementary Cardholder.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see?https://support.apple.com/km207105

Visa SavingsEdge is an automated discount program offered by Visa Canada Corporation ('Visa Canada') to eligible businesses and their authorized cardholders that hold an eligible Visa Business card and whose enrollment in the program is accepted by Visa. Under the program, cardholders can receive discounts from participating merchants each time the cardholder uses an enrolled Visa Business card to make qualifying purchases of goods or services pursuant to an active discount offered by the merchant and that transaction is processed or submitted through the Visa payment system. Discounts provided will appear as credits on future credit card statements 8-10 weeks after purchase date. Visa Canada, not Scotiabank, is responsible for the Program. For details, visit?www.visasavingsedge.ca. The following Scotiabank VISA Business cards are eligible for this program: Scotia Momentum for business Visa^*?card, Scotia Gold Passport for business Visa* card, ScotiaLine for business Visa^*?Card, Scotiabank Visa* Business Card, and Scotiabank GM Visa Business Card.

The Visa Business Reporting service is provided by Visa Canada. The Bank of Nova Scotia and its affiliates are not responsible for the Visa Business Reporting service.

The Visa Payment Controls service is provided by Visa Canada. Visa Payment Controls only applies to enrolled Visa Business Card transactions that are processed through the VisaNet transaction-processing system and will not block transactions that are processed through non-Visa networks or transactions that occur off-line. Transactions that exceed the Cardholder?s specified authorization parameters also may not be blocked due to incorrect or incomplete transaction data received by Visa or for other reasons. Cardholder is responsible for any text message, data or other wireless carrier charges incurred by the Cardholder as a result of email or SMS text block notifications. The Bank?of Nova Scotia and its affiliates are not responsible for the Visa Payment Controls service.

The GM Business Choice Program is offered by General Motors of Canada Company. The Bank of Nova Scotia and its affiliates are not responsible for the program or any products, services or other benefits offered under the Program.

IMPORTANT NOTE ABOUT ALTERATIONS AND WARRANTIES: Installations or alterations to the original-equipment vehicle or chassis as distributed by General Motors are not covered by the General Motors New-Vehicle Limited Warranty. The special body company, assembler, equipment installer, or upfitter is solely responsible for warranties on the body or equipment and any alterations (or any effect of the alterations) to any of the parts, components, systems, or assemblies installed by GM. GM is not responsible for the safety or quality of design, features, materials, or workmanship of any alterations by such suppliers. The GM Business Choice Program is provided by General Motors. The Bank of Nova Scotia and its affiliates are not responsible for the program.

Four distinct options available. One per vehicle may be selected.

Scotia Business Loan Protection is a Group Policy underwritten by The Canada Life Assurance Company. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. If you are approved for coverage you may take up to thirty (30) days to review the details of the coverage. If you cancel within thirty (30) days of your coverage effective date any premium paid will be refunded. For more information simply call 1-855-753-4272 between 8:00 am and 8:00pm ET and one of our Insurance Customer Service Representatives will be pleased to assist you.

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Visa Int./Licensed User.