TABLE OF CONTENTS

ÛWELCOME ...................................................... 03

ÛEARNING POINTS ........................................... 04

ÛALL ABOUT TRAVEL .................................. 05-09

ÛMORE REWARDS ............................................ 10

ÛMORE BENEFITS ........................................ 11-12

ÛACCOUNT ACCESS .......................................... 13

ÛSCOTIABANK PRIVACY AGREEMENT .........15-22

ÛSCOTIA REWARDS®* PROGRAM –TERMS & CONDITIONS .............................. 22-34

ÛPURCHASE SECURITY, EXTENDED WARRANTY,LOST LUGGAGE, DELAYED LUGGAGE ANDHOTEL/MOTEL BURGLARY CERTIFICATEOF INSURANCE .......................................... 34-45

ÛTRIP CANCELLATION AND TRIP INTERRUPTIONCERTIFICATE OF INSURANCE ..................... 45-55

ÛCERTIFICATE OF COMMON CARRIERTRAVEL ACCIDENT INSURANCE ................ 55-61

ÛPRICE PROTECTION SERVICETERMS AND CONDITIONS ......................... 61-65

ÛTRAVEL EMERGENCY MEDICALCERTIFICATE OF INSURANCE .................... 65-76

ÛRENTAL CAR COLLISION/LOSS DAMAGECERTIFICATE OF INSURANCE ..................... 76-82

ÛFLIGHT DELAY CERTIFICATEOF INSURANCE .......................................... 82-86

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WELCOME

THIS IS JUST THE BEGINNINGBenefits, rewards and so much more.Thank you for becoming a Scotiabank®* GoldAmerican Express® cardmember. You’re now onyour way to earning points with everyday purchasesand experiencing all that the Scotia Rewards®*

program has to offer.

GETTING STARTEDHere’s how to enjoy your new cardto the fullest.Activate your card

Û Visit scotiabank.com/activatecreditcardor call 1-800-806-8600

Register at scotiarewards.com

Û Gain access to your Travel Booking websiteÛ Review the complete portfolio of rewards

available to you and start your Wish ListÛ Choose to receive updates and special offers by

signing up for our eNewsletter

Increase your earning potentialÛ Add supplementary cardholders to your credit

card account+ – visit scotiabank.com to learnmore or log in to Scotia OnLine®* to request asupplementary card

Û Set up pre-authorized transactions forre-occurring payments

General inquiriesÛ Call 1-888-860-7093. We’re available 24 hours

a day, 7 days a week

Let your rewarding experience begin.With the Scotia Rewards program, you’ll enjoy aworld of travel rewards, brand name merchandiseand more. Plus, you’ll have access to additionalbenefits like comprehensive travel insurance, hoteldiscounts and special amenities. Read on to learnmore.

To check your points balance, redeem points,book travel, access special offers and more,visit scotiarewards.com or call 1-800-665-2582.

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EARNING POINTS

HOW YOU EARNEveryday purchases are morerewarding.When you use your card for everyday purchases,you earn Scotia Rewards points in return. So virtuallyeverything you buy gives you something back.

Here’s how you earn:

Û Earn Scotia Rewards points 4X faster.You will earn 4 points per $1 spent on gas,grocery, dining and entertainment

Û Earn 1 Scotia Rewards point for everydollar on all other purchases

Your points will never expire‡. How you use yourpoints is always completely up to you.

TIP: You can track the points you earnonline, anytime at scotiarewards.com

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TRAVEL

A WORLD OF TRAVEL BENEFITSDream, plan, book, do it allat scotiarewards.comThe Scotia Rewards website gives you easy, anytimeaccess to all the travel benefits your card provides.Whether you’re dreaming about your next trip,starting to make plans or ready to book today, you’llfind resources and services you need.

WHEN IT COMES TO BOOKINGScotia Rewards Travel Service,at your disposal.As a Scotiabank Gold American Expresscardmember, you can put this full-service travel agencyand complimentary online booking tool1 to work foryou.

Where do you dream about going? And what willyou do when you get there? From flights to hotels andrental cars to cruises and all-inclusive packages, ScotiaRewards travel service will help you create the getawayyou want, so your trip is always one to remember.

To plan your next getaway, visitscotiarewards.com or call 1-800-665-2582.

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REDEEMING POINTS FOR TRAVELFlexibility and convenience to seethe world.With your Scotiabank Gold American ExpressCard in hand, the world is at your feet. That’sbecause you have a range of flexible options when itcomes to redeeming for the travel rewards youwant.

From airfare to cruises to package holidays,and everything in between, there are three waysyou can pay.

1. Use your points: If you’ve earned all the pointsyou need, redeem them for your complete trip –including taxes and surcharges.

2. Use your card: You can always use your card tocover the full amount of your travel. And you’llearn rewards points for every dollar you charge.

3. Combine points and payment: Short a fewpoints? Want to save some for later? You canpay for your travel with a combination ofaccumulated points and a charge to your card.

Book your travel, then redeem pointsfor your purchase.

If you find a great deal or if you prefer to makeyour own travel arrangements – through a website,travel agent, airline or another source – you canput the Post-Purchase Travel Redemption benefitto work for you. Simply pay for your trip usingyour card, then call us or go online atscotiarewards.com to redeem points foryour purchase.

For more information about all the waysyou can redeem your points, visitscotiarewards.com or call 1-800-665-2582.

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TRAVEL

YOUR SCOTIA REWARDSTRAVEL ADVANTAGEDiscounts, offers and special amenities.Your new card also extends you extraordinarysavings offers, special amenities and privileges.

Luxury HotelsÛ Receive discounts off published rates and a

complimentary room upgrade (if available) atsome of the world’s most incredible properties

Û Enjoy a free amenity, complimentary breakfastand late checkout privilege (if available)

Global Hotel discountÛ Receive access to reduced rates at thousands

of hotels worldwide, plus enjoy specialamenities (if available)

Best Price Guarantee on AirfareÛ Receive a best price guarantee on airfare for

up to 24 hours† - visit scotiarewards.com formore details

Car rental discountsÛ Take advantage of discounts off car rentals

with major rental companies around the globe

Vacation Package savingsÛ Receive special savings offers and enjoy

additional amenities at resorts worldwide

Upgrades and perks on cruisesÛ Enjoy more on every cruise with offers and

benefits ranging from shipboard credits, toupgrades, shore excursions, specialty diningexperiences, reduced deposits and dollars off

Lounge Access with Priority Pass™ .As a Scotiabank Gold American Expresscardmember, you are entitled to discountedPriority Pass airport lounge membership±.

This benefit gives you access to over 600 VIPlounges around the world – regardless of whatairline or class of service you’re flying.

Enjoy light refreshments, catch up on email, orsimply relax in quiet comfort before your flight.

To enroll in Priority Pass, visitprioritypass.com/scotiabankgold.Use Invitation Code: Scotia5

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EXCLUSIVE ANDPERSONALIZED SERVICEIntroducing your Scotia Rewards Concierge2

Your card gives you access to a worldwidenetwork of Concierge Specialists that offer youpersonal service at no additional charge.

When you’re planning a getawayor are off on a trip, they can help with:

Û Accommodation recommendations: Fromhotels, to villas to houseboats and more

Û Tourist and city information: From findingthe ideal picnic spot to purchasing tickets fora city tour

Û Entertainment: Locate the best sushirestaurant, head out to hear some live music,secure tickets to a sold-out show, or find aprivate place to enjoy a romantic evening

Û Active pursuits: Inquire about scuba lessons,book a tee time, go horseback riding andmore

Of course, you don’t have to go anywhere toappreciate the assistance of our ConciergeSpecialists.

While you’re at home, they can helpwith everyday requests, such as:

Û Fine dining: Special discount packages,culinary classes, and priority booking andseating at world-renowned restaurants

Û Specialty referrals: From finding a dogwalker, a party planner, or a landscaper

Û Household needs: Arrange a housecleaner,schedule your car to be detailed, find asummer camp for your kids

To reach your Concierge 24/7, callScotia Rewards program at 1-800-665-2582or, outside Canada & the US, call collectat (905) 696-5088.

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TRAVEL

COMPREHENSIVETRAVEL INSURANCE3

Go without worry. Your cardhas you covered.See the world and leave your worries at home.Your Scotiabank Gold American Express Cardcomes packed with a comprehensive suite oftravel insurances that protect you, your lovedones and your belongings, including:

Û Travel Emergency Medical InsuranceÛ Trip Cancellation and Trip Interruption

InsuranceÛ Flight Delay InsuranceÛ Lost Luggage and Delayed Luggage

InsuranceÛ Hotel/Motel Burglary InsuranceÛ Rental Car Collision/Loss Damage InsuranceÛ Common Carrier Travel Accident Insurance

Insurance benefits at a glance:

For complete insurance details, pleaserefer to the insurance certificates includedat the back of this Welcome Kit, or call1-877-391-7507.

Insurance Type DurationCoverage

Level (CAD$)AgeLimit

TravelEmergency

25 days $1,000,000 per insuredperson per trip

64 andunder

Medical 10 days $1,000,000 per insuredperson per trip

65 andover

TripCancellation

$2,500 per insuredperson/$10,000 per trip All ages

TripInterruption

$2,500 per insuredperson/$10,000 per trip All ages

Flight DelayUp to $500 per insured

person per trip All ages

Delayed &Lost Luggage

Up to $1,000 per trip All ages

Hotel/MotelBurglary

Up to $1,000 perburglary occurrence All ages

Rental CarCollision/Loss

Damage48 days Limited to vehicles up

to $65,000 in value All ages

CommonCarrier Travel

Accident$500,000 All ages

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MORE REWARDS

BEYOND TRAVEL REWARDSReward yourself with the thingsyou need.Beyond travel, your card gives you many otherways to reward yourself, or treat someone youcare about. You can choose from a huge selectionof brand name rewards, including:Û Electronics Û Gift cardsÛ Recreational items Û Household goodsÛ Children’s toys Û And much more

To browse our complete online rewards,visit scotiarewards.com.

Redeem points for a credit.

Scotia Rewards points can be redeemed online fora credit to your Scotiabank Credit Card account.For details on how to redeem your points,visit scotiarewards.com.

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MORE BENEFITS

SPECIAL OFFERSFOR CARDMEMBERSAmerican Express InvitesTM

Say hello to American Express Invites4. It opens thedoor to memorable experiences we think you’ll love.It’s your table at the restaurant everyone is talkingabout. Your chance to get tickets to some of thehottest concerts through Front Of The Line®††. Or toreserve your seat at the next big blockbuster. It’s yourinvitation to the latest must-see productions. Yourchance to say “I was there”.

Û Front Of The Line® Advance AccessÛ Front Of The Line® Reserved TicketsÛ Front Of The Line® e-UpdatesÛ Invites Special Offers & Experiences for all

CardmembersÛ Invites Special Access* for all Cardmembers

For more information, visit amexinvites.ca.

INSURANCES THATCOVER THINGS YOU BUYPurchase Security and Extended Warranty3

Most personal items purchased anywhere in the worldare automatically insured against theft, loss or damageas long as the full cost of the item is charged to yourScotiabank Gold American Express Card. Coverageextends for the first 90 days from the date ofpurchase, up to $60,000, and is in excess of any otherinsurance coverage.

When you use your Scotiabank Gold AmericanExpress Card to purchase most personal items andcharge the full cost of the item to your card, extendedwarranty coverage doubles the original manufacturer’swarranty for up to one year. Items covered by amanufacturer’s warranty of five years or more must beregistered within the first year of purchase.

Price Protection ServiceWhen you use your Scotiabank Gold AmericanExpress Card to buy a new item in Canada that isoffered for sale in Canada at a lower price within 60days of your purchase, the Price Protection Servicepays you the price difference up to $100 per item and$500 per calendar year.

For full details about all of your insurancecoverage or service, please read the insurancecertificates or Terms and Conditions included inthis Welcome Kit, or call 1-877-391-7507.

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FINANCIAL PROTECTIONFOR LIFE’S TWISTS AND TURNSScotia Credit Card Protection (optional).With one simple application, you can have financialprotection from a range of life events: Disability, JobLoss, Strike or Lockout, Critical Illness or Loss of Life.A monthly benefit equal to 10%5 of your outstandingcredit card account balance can be paid to your creditcard account if you are unable to work5, which canhelp pay down your balance faster. In the event of adiagnosis of a covered Critical Illness, or if you passaway, your outstanding credit card account balancecan be paid in full, up to a maximum of $50,000.

This comprehensive coverage is available at a monthlypremium rate of only $0.95 per $100 of average dailybalance on your credit card account (plus anyapplicable sales tax). The affordable cost includesbenefits for a Co-Borrower at no additional charge.The premium is conveniently charged to your creditcard account to help ensure your coverage stays inplace.Approval is fast – contact us for details if you are aresident of Canada, and are at least 18 and under706 years of age.

Simply call 1-855-753-4272 between 8am and8pm (EST) Monday to Friday and a CustomerService Representative will be pleased toassist you. Or, visit scotialifefinancial.com formore information.

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ACCOUNT ACCESS

KEEP UP WITH YOUR ACCOUNTThe information you need is alwaysclose at hand.Locally and wherever your travels take you, it’simportant that you have access to your account andyour account information in a variety of ways;

GENERALCARD INQUIRIES:

Visit scotiabank.com or call 1-888-860-7093 (24/7)

REWARDS ANDBOOKING INFORMATION

Visit scotiarewards.comor call 1-800-665-2582- Concierge Service 24/7- Travel Service (Mon-Sun 8am - 8pm EST)- Other Rewards & Redemption

(Mon-Fri 8am - 9pm, Sat. 8am - 5pm EST)

IN CASE OFMEDICAL EMERGENCY:

Scotia Assist 1-877-391-7507

INTERNETBANKING:

Visit Scotia OnLine®* Financial Servicesscotiabank.com

TELEPHONEBANKING:

TeleScotia Telephone Banking 1-800-267-1234

ABM ACCESS:Worldwide look for machinesdisplaying the Interac**, AmericanExpress or LINK symbols.

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THE REWARDSARE WAITING FOR YOU

Your Scotiabank Gold American Express Cardoffers you a wonderful world of rewardingexperiences. Enjoy every adventure with your newcard.

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Scotiabank Privacy Agreement

Your privacy is important to Scotiabank. This Agreementsets out the information practices for Scotiabank† inCanada, including what type of information is collected,how the information is used, and with whom theinformation is shared.This Agreement may be amended from time to time. (See“Further Information”, below, for an explanation of howwe will advise you of any future changes.)In this Agreement, “we”, “our”, “us” and “Scotiabank”mean Scotiabank† and include any program or joint ventureany of these parties participates in; “you” and “your”mean an individual who has made application to us for,enrolled in or signed an application in respect of anypersonal or business banking, insurance, brokerage orfinancial product or service offered by us (“Service”),including any coapplicants, guarantors or personalrepresentatives.

COLLECTING, USING AND DISCLOSING YOURINFORMATION

1. When you apply for, or provide a guarantee in respectof, or use any Service and while you are our customer,you agree that we may collect personal informationfrom you and about you such as:• Your name, address, telephone number, nature of

your principal business or occupation and date of birth,which is required by law;

• Identification, such as a valid driver’s license orpassport. We may also ask for documents such asa recent utility bill to verify your name andaddress;

• Your annual income, assets and liabilities andcredit history;

• Information about your transactions, includingpayment history, account activity and how youintend to use the account or Service and thesource of any incoming funds or assets;

• Information we may need in order to provide youwith a Service such as health information if youare applying for certain insurance products. Insome instances, providing this information isoptional;

• Information about third parties such as yourspouse if you are applying for certain Services,where this information is required by law; and

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• Information about beneficial owners,intermediaries and other parties, which is requiredby law.

For legal entities such as businesses, partnerships, trusts,estates, clubs or other organizations, we may collect theinformation referred to above from each authorizedperson, partner, trustee, executor and club member, asappropriate.In addition, when you apply for, enroll in or use a Servicevia a digital channel (such as online or mobile banking), wemay collect information about your computer or device,operating system, internet connection or telephoneaccount, settings, IP address and device locational data,and transaction data, as well as personal information asdescribed above. We may collect, use, disclose and retainthis information for the purposes described below, as wellas to determine which settings are appropriate for yourcomputer system, to provide or enhance digitalfunctionality and banking options, and for securitypurposes, internal analysis and reporting. You may withholdconsent to the collection, use and disclosure of thisinformation, although in some cases this may prevent youfrom using the digital channel to apply for or use a Serviceor to communicate with us, or may reduce the functionalityof that channel.We may collect your personal information, and use it, anddisclose it to any person or organization for the followingpurposes:• To confirm your identity;

• To understand your needs;

• To determine the suitability of our Services for you;

• To determine your eligibility for our Services;

• To set up, manage and offer Services that meet yourneeds;

• To provide you with ongoing Service;

• To provide you with various options for applying forand accessing Services;

• To satisfy legal and regulatory requirements that webelieve are applicable to us, including therequirements of any self-regulatory organizations towhich we belong;

• To help us collect a debt or enforce an obligationowed to us by you;

• To respond to a court order, search warrant or otherdemand or request which we believe to be valid, orto comply with the rules of production of a court;

• To manage and assess our risks;

• To investigate and adjudicate insurance claims, otherclaims or complaints; and

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• To prevent or detect fraud or criminal activity or tomanage and settle any actual or potential loss inconnection with fraud or criminal activity.

When we collect your health information for the purposeof providing an insurance Service, we will use thatinformation strictly for that purpose. (See below formore information.) We do not provide directly all theservices related to your relationship with us. We may usethird party service providers to process or handlepersonal information on our behalf and to assist us withvarious services such as printing, postal and electronicmail distribution and marketing (including by telephoneand electronic means), and you acknowledge that wemay release information about you to them. Some of ourservice providers are located outside of Canada. As aresult, your personal information may be accessible toregulatory authorities in accordance with the law ofthese jurisdictions. When personal information isprovided to our service providers, we will require themto protect the information in a manner that is consistentwith Scotiabank privacy policies and practices.

2. We may collect, use and disclose your Social InsuranceNumber (SIN), as well as other information, for incometax reporting purposes, as required by law. In addition,we may ask you for your SIN to verify and report creditinformation to credit bureaus and credit reportingagencies as well as to confirm your identity. This allowsus to keep your personal information separate from thatof other customers, particularly those with similarnames, and helps maintain the integrity and accuracy ofyour personal information. You may refuse to consent toits use or disclosure for purposes other than as requiredby law.

3. We may verify relevant information you give us withyour employer or your references and you authorize anyperson whom we contact in this regard to provide suchinformation to us. If you apply for or enroll in a Serviceand during the time you have the Service, we mayconsult various financial service industry databases orprivate investigative bodies maintained in relation to thetype of Service you have applied for, enrolled in or have.You also authorize us to release information about youto these databases and investigative bodies. In Canada,investigative bodies are designated under theregulations of the Personal Information Protection andElectronic Documents Act (PIPEDA) and include suchorganizations as the Bank Crime Prevention andInvestigation Office of the Canadian Bankers Associationand the Investigative Services Division of the InsuranceBureau of Canada.

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4. You agree that we may monitor, record, and retain anytelephone call or electronic communication we havewith you. This is to establish a record of the informationyou provide, to ensure that your instructions arefollowed properly and to ensure customer service levelsare maintained. Records of calls and electroniccommunications are destroyed when they are no longerrequired for business or other purposes, and anypersonal information is safeguarded in accordance withthis Agreement.

5. Scotiabank may use video surveillance in and around ourbranches, bank machines and other locations for thepurpose of safeguarding our clients and employees andprotecting against theft, fraud and vandalism. Any videoimages recorded are destroyed when they are no longerrequired for business or other purposes, and anypersonal information is safeguarded in accordance withthis Agreement.

6. If you have a Service with us, we may use, disclose toand collect from credit bureaus or financial serviceindustry databases, credit and other information aboutyou in order to offer you pre-approved credit productsor margin facilities. We may also do this after theService has ended. You may withdraw your consent atany time by giving us reasonable notice (see below).

7. We may give information (except health information)about you to other members of Scotiabank (where thelaw allows this) so that these companies may tell youdirectly about their products and services. Scotiabankincludes companies engaged in the following services tothe public: deposits, loans and other personal financialservices; credit, charge, debit and payment cardservices; full service and discount brokerage services;mortgage loans; trust and custodial services; insuranceservices; investment management and financial planningservices; and mutual funds investment services. Thisconsent will also apply to any companies that form apart of Scotiabank in the future. You also agree that wemay provide you with information from third parties weselect. Your consent to this is not a condition of doingbusiness with us and you may withdraw it at any time(see below).For a list of Scotiabank’s affiliates and subsidiaries inCanada, please refer to the Public AccountabilityStatement/Corporate Social Responsibility Reportavailable at any Scotiabank branch or on the Scotiabankwebsite at www.scotiabank.com.

8. We may ask you for contact information such as yourtelephone, mobile or fax number or e-mail address, andkeep and use this information as well as disclose it toother members of Scotiabank so

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that we or any of these companies may contact youdirectly through these channels for the purpose ofmarketing, including telemarketing. This consent willalso apply to any companies that form a part ofScotiabank in the future. Your consent to this is not acondition of doing business with us and you maywithdraw it at any time (see below).

9. If we sell a company or a portion of the business of aScotiabank company, we may release the informationwe hold about you to the prospective purchaser. Wewill require any prospective purchaser to protect theinformation provided and to use it in a manner that isconsistent with Scotiabank privacy policies andpractices.

10. We may keep and use information about you in ourrecords for as long as it is needed for the purposesdescribed in this Agreement, even if you cease to be acustomer.

11. You agree that all information that you give us will, atany time, be true and complete. If any personalinformation changes or becomes inaccurate or out ofdate, you are required to advise us so we can updateour records.

REFUSING OR WITHDRAWING CONSENT

Subject to legal, regulatory and contractual requirements,you can refuse to consent to our collection, use ordisclosure of information about you, or you may withdrawyour consent to our further collection, use or disclosure ofyour information at any time in the future by giving usreasonable notice. However, depending on thecircumstances, withdrawal of your consent may prevent usfrom providing you, or continuing to provide you, withsome Services, means of access to Services, or informationthat may be of value to you.We will act on your instructions as quickly as possible butthere may be certain uses of your information that we maynot be able to stop immediately.You cannot refuse our collection, use and disclosure ofinformation required by third party service providersessential for the provision of the Services or required by ourregulators, including self-regulatory organizations. Some ofour service providers are located outside of Canada. As aresult, your personal information may be accessible toregulatory authorities in accordance with the law of thesejurisdictions.You can tell us at any time to stop using information aboutyou to promote our Services or the products and services ofthird parties we select, or to stop sharing your informationwith other members of Scotiabank. If you wish to refuseconsent or to withdraw consent as outlined in thisAgreement, you may do so at any time by contacting thebranch or office with which you are dealing or by calling ustoll-free.

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Scotiabank 1-800-4-SCOTIAScotiaMcLeod, Scotiatrust and PrivateInvestment Counsel 1-866-437-4990ScotiaLife Financial 1-800-387-9844Scotia iTRADE® 1-888-872-3388

IN ADDITION, IF YOU APPLY FOR, ACCEPT, ORGUARANTEE, A LINE OF CREDIT, TERM LOAN,MORTGAGE OR OTHER CREDIT ACCOUNT WITH USWhen you apply for, accept, or guarantee a loan or creditfacility or otherwise become indebted to us, and from timeto time during the course of the loan or credit facility, wemay use, give to, obtain, verify, share and exchange creditand other information (except health information) aboutyou with others including credit bureaus, mortgageinsurers, creditor insurers, reinsurers, registries, othercompanies in Scotiabank and other persons with whom youmay have financial dealings, as well as any other person asmay be permitted or required by law. We may do thisthroughout the relationship we have with you. You alsoauthorize any person whom we contact in this regard toprovide such information to us.If you have a Service with us such as a banking card, creditcard or line of credit product with an access card, youagree that we may give information (except healthinformation) about you to electronic payment serviceproviders, credit or charge card associations, loyaltyprogram partners and their employees and agents for thepurpose of processing, authorizing and authenticating yourtransactions (as the case may be), providing you withcustomer assistance services and for other purposes relatedto your services. We may also give this information inrespect of your participation in contests and promotionsadministered by the electronic payment service providers,credit or charge card associations and loyalty programpartners on our behalf.If you have a mortgage account with us, we may giveinformation about you, including credit information, tomortgage insurers for any purpose related to mortgageinsurance. Information retained by Canada MortgageHousing Corporation will be subject to federal access toinformation and privacy legislation.During the term of the loan or credit facility, you may notwithdraw your consent to our ongoing collection, use ordisclosure of your personal information in connection withthe loan or other credit arrangement you have with us orhave guaranteed. We can continue to disclose yourpersonal information to credit bureaus even after the loanor credit facility has been retired, and you may notwithdraw your consent to our doing so. We do this to helpmaintain the accuracy, completeness and integrity of thecredit reporting system.

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IN ADDITION, IF YOU ACCEPT AN INSURANCE SERVICEWITH USWhen you apply for, enroll in or sign an application inrespect of or accept an insurance Service from us, we mayuse, give to, obtain, verify, share and exchange informationabout you with others including references you haveprovided, from hospitals and health practitioners, fromgovernment health insurance plans, from other insurers,from medical information and insurance service bureaus,from law enforcement representatives, from privateinvestigators, and from other groups or companies wherecollection is necessary to underwrite or otherwiseadminister the Service requested, including the assessmentof claims. You also authorize any person whom we contactin this regard to provide such information to us.If you accept an insurance Service with us, or if aninsurance Service is issued on your life, you may onlywithdraw your consent as noted above so long as theconsent does not relate to underwriting or claims whereScotiabank must collect and report information toinsurance service bureaus after the application has beenunderwritten or the claim has been adjudicated. This isnecessary to maintain the integrity of the underwriting andclaims systems.FURTHER INFORMATION

You acknowledge that we may amend this Agreementfrom time to time to take into consideration changes inlegislation, technology or other issues that may arise. Wewill post the revised Agreement on our website and make itavailable at our branches or we may also send it to you bymail. We may also notify you of any changes to thisAgreement in any of the following ways:• A notice prominently displayed at all Scotiabank

ATMs;

• An announcement through the Voice-Response-Unit(VRU) or a digital channel such as a mobile app;

• A notice on the Scotiabank website or your ScotiaOnLine portal;

• A notice in our branches; or

• A notice in your monthly statement.

Your continued use of the account or Service followingsuch change means that you agree to and accept the newterms and conditions of the Agreement as amended. If youdo not agree with any of the changes made or with thenew terms of the Agreement, you must immediately stopusing the account or Services and notify us that you areclosing your account or terminating your Service with us.

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If you have a general question about Scotiabank’s privacypolicies, please contact the branch or office you deal withor call us toll free at 1-800-472-6842. If your branch oroffice is not able to resolve your concern to yoursatisfaction, contact the President’s Office:Telephone: 1-877-700-0043Fax: 1-877-700-0045E-mail: mail.president@scotiabank.comLetter: The President, Scotiabank

44 King Street West, Toronto ON M5H 1H1

Copies of our entire formal Privacy Policy as well as theScotiabank Guidelines for Business Conduct are alsoavailable to the public on www.scotiabank.com. Thesedocuments form part of the Scotiabank Privacy Agreement.

† For the purposes of this Agreement, Scotiabank means, collectively, The Bankof Nova Scotia and any one, number, or all of The Bank of Nova Scotia’saffiliates, subsidiaries and joint ventures, as applicable, with respect to theiroperations in Canada.

Scotia Rewards®* Program –Terms & ConditionsEffective August 1, 2017

These are the terms and conditions for the ScotiaRewards®* program (the “Program”) that apply to thefollowing cards: Scotiabank®* Platinum AmericanExpress® Card, Scotiabank®* Gold American Express®

Card and Scotiabank®* American Express® Card (eacha “Program Card” or a “Card”).

Other Definitions that you should know:

Cardmember or Scotia Rewards Cardmember: Anindividual that has a Program Card.Co-Borrower: The secondary borrower on a jointProgram Card Account.Primary Scotia Rewards Cardmember or PrimaryCardmember: The individual in whose name a ProgramCard Account is opened and who is the first name onthat Account.Program Site: The site where you can gain access tothe Program (currently located at scotiarewards.com).Supplementary Cardmember: An additionalCardmember on your Program Card Account that isnot the Primary Scotia Rewards Cardmember or theCo-Borrower. Also known as an “authorized user”.Your name: The name of the Primary Cardmember orCo-Borrower.

A. Participation Requirements and Use of PersonalInformationThe Program is automatically available to each of theabove Program Cards and the accounts associatedwith those Program Cards (the “Program Card

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Accounts” or “Accounts”), so long as the Cards andAccounts are in good standing2.The Program is offered at no extra cost on theProgram Card with no additional application orenrollment required.As a Scotia Rewards Cardmember, you can receivecommunications with updates and special offers aspart of the Program by signing up atscotiarewards.com, or by telephone through our ScotiaRewards Centre, or we may allow you to receiveupdates and special offers by other methods.As a customer of Scotiabank and a Scotia RewardsCardmember, the Scotiabank Privacy Agreementprotects your privacy and your personal information.

B. Earning and Redeeming Scotia Rewards Pointsand Adding Delegates1. Earning Points

The program is based on a points system of “ScotiaRewards points”. Scotia Rewards points are alsoreferred to as “points”.You are awarded Scotia Rewards points for purchasesof goods and services charged to your Program Card.

Earn Rates and Accelerated Earn Rates:

The accelerated earn rate for the Scotiabank PlatinumAmerican Express Card and the Scotiabank GoldAmerican Express Card is four (4) points per $1.00 inpurchases of goods and services charged to theProgram Card Account.

The regular earn rate for all Program Cards is one (1)point per $1.00 in purchases of goods and servicescharged to the Program Card Account.

Spend threshold for the Accelerated Earn Rate:

The accelerated earn rate for the Scotiabank PlatinumAmerican Express Card account applies to the first$100,000 in purchases charged to that Program CardAccount annually at merchants qualifying for theaccelerated earn rate, calculated annually from January1st to December 31st each year.The accelerated earn rate for the Scotiabank GoldAmerican Express Card account applies to the first$50,000 in purchases charged to that Program CardAccount annually at merchants qualifying for theaccelerated earn rate, calculated annually from January1st to December 31st each year.Once you exceed the applicable annual spendthreshold, you will continue earning points at the

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regular earn rate of one (1) point per $1.00 inpurchases charged to the Program Card Account.Merchants qualifying for the accelerated earn rate: Theaccelerated earn rate applies to purchases made atAmerican Express merchants in the Gas, Grocery,Dining and Entertainment categories, classified in theAmerican Express network as: Gas Service Stations(with or without Ancillary Services and with MerchantCode: 5541) and Automated Fuel Dispensers(Merchant Code: 5542); Grocery Stores andSupermarkets (Merchant Code: 5411); Eating Placesand Restaurants (Merchant Code: 5812); DrinkingPlaces (Alcoholic Beverages) including Bars, Taverns,Nightclubs, Cocktail Lounges, and Discotheques(Merchant Code: 5813); Fast Food Restaurants(Merchant Code: 5814); Entertainment includingMotion Picture Theaters (Merchant Code: 7832),Theatrical Producers (except Motion Pictures) andTicket Agencies (Merchant Code: 7922), Bands,Orchestras and Miscellaneous Entertainers - NotElsewhere Classified (Merchant Code: 7929). Somemerchants may sell these products/services or areseparate merchants who are located on the premisesof these merchants, but are classified by AmericanExpress in another manner, in which case this addedbenefit would not apply. These MerchantCodes/identifiers and categories are subject to change.Points are earned only for purchases charged to theProgram Card Account. Scotia Rewards Points are notawarded for cash advances, balance transfers, Scotia®*

Credit Card Cheques, returns, refunds or other similarcredits, payments, fees, interest, service or transactioncharges. Cash advances include cashlike transactionswhich are monetary transactions posted to yourProgram Card Account and include wire transfers,foreign currency, travelers cheques, money orders andgaming chips.Scotia Rewards points will be added to a Program CardAccount shortly after a debit transaction for apurchase has been posted to that Account, and will bededucted (or cancelled) from the Program CardAccount if a credit for any returned purchase (orsimilar credit such as a refund or credit voucher) isposted to that Account or for any other adjustments topreviously billed purchases.Scotia Rewards Points will not be posted to a ProgramCard Account that is not in good standing2 or to aProgram Card Account that is not open at the time ofposting.Purchases made by a Supplementary Cardmember willearn points for the benefit of the Primary ScotiaRewards Cardmember on the Program Card Account(and any Co-Borrower on that Account).Supplementary Cardmembers earn the same number

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of points on purchases as the Primary Scotia RewardsCardmember (and Co-Borrower) earn, unless weadvise you otherwise.

Checking your Points Balance:

Every month the statement for the Program CardAccount will detail the number of points earned sincethe previous statement (for the prior statementperiod), the balance of points carried forward from aprevious statement (for the prior statement period),the number of points redeemed or adjusted in thatstatement (for the prior statement period) and thenew Scotia Rewards points balance for the ProgramCard Account. Scotia Rewards points information for aProgram Card Account is also available to the PrimaryScotia Rewards Cardmember (or Co-Borrower) byregistering and logging into scotiarewards.com wherepoints balances are updated daily based on thetransactions that have been posted to the ProgramCard account as of that date. Transactions may requireseveral business days to be posted to the Account andthe points balance shown may not always be up todate.

2. Redeeming Points

Scotia Rewards points can only be redeemed as set outin these terms and conditions. Redemptions of ScotiaRewards points can be made for a travel purchase (alsoreferred to as a travel booking), merchandise andother non-travel rewards such as gift cards, pre-paidcards or other items/goods and services as described inthese terms and conditions.Scotia Rewards Cardmembers who redeem ScotiaRewards points are responsible for any taxes associatedwith their redemption and if applicable, must declarethe value of those redemptions to appropriate taxauthorities.

3. Redeeming Points on Closed Accounts

If a Program Card Account is closed (including if youcancel a Program Card), any unredeemed ScotiaRewards points can be redeemed within 60 days ofclosing the Account(s), provided the Account is in goodstanding2, after which time the unredeemed points willbe permanently cancelled.If the Program Card Account is closed, you will not beable to redeem any points for a Post Purchase TravelRedemption.If you have multiple eligible Program Cards, you maytransfer any accumulated Scotia Rewards points toanother Scotiabank Credit Card Account that earnsScotia Rewards points before electing to close theAccount, provided the Account(s) are open and ingood standing2 and the Account(s) are in your name.If the Scotia Rewards Account is closed by Scotiabankbecause it is not in good standing2, the Scotia Rewards

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points associated with that Account cannot beredeemed and will be immediately cancelled.

4. Adding a Delegate

A Primary Scotia Rewards Cardmember orCo-Borrower may delegate a representative to redeempoints on their behalf.Visit scotiarewards.com orcontact the Scotia Rewards Centre for details.

C. Transferring Points

1. When Points can be transferred

Scotia Rewards points are non-transferable. However,if you have more than one Program Card Account inyour name, we may allow you to transfer ScotiaRewards points to an open Program Card Account inyour name before electing to close a Program CardAccount, provided the Account(s) are in goodstanding2.For a joint Program Card Account, if you are thePrimary Scotia Rewards Cardmember or Co-Borrower,you may transfer Scotia Rewards points to anotherProgram Card Account, provided each of thoseAccounts is in good standing2 and each Account is inyour name.Supplementary Cardmembers cannot transfer,combine or redeem points on any Program CardAccounts.Scotia Rewards Cardmembers can go toscotiarewards.com to complete a transfer of points. Ifyou have any questions, visit us online or contact theScotia Rewards Centre.

2. Points transfer on Death or Separation/Divorce

Upon the death of a Primary Scotia RewardsCardmember and verification by Scotiabank, if there isno Co-Borrower on the Program Card Account, theestate of the Primary Scotia Rewards Cardmember canredeem unused Scotia Rewards points for up to 60days from the date of death provided that Account isin good standing2 after which time, unredeemedScotia Rewards points will be permanently cancelled.In the case of a joint Program Card Account, thesurviving Primary Scotia Rewards Cardmember orCo-Borrower, as the case may be, can elect to redeemunused Scotia Rewards points for up to 60 days fromthe date of death or can request to transfer them to anew Program Card Account in their name, providedthe Account(s) are in good standing2. Otherwise, theunredeemed Scotia Rewards points will bepermanently cancelled.Points cannot be divided or otherwise transferred inthe event of separation or divorce.

D. Non-Travel RewardsScotia Rewards points can be redeemed for non-travelrewards on scotiarewards.com. Non-travel rewards

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include items such as merchandise, gift cards andScotiabank Prepaid Cards. You may redeem Non-TravelRewards, redeeming Scotia Rewards points only(“Points Only”) or redeeming Scotia Rewards pointsplus charging the balance to your Program Card(“Points Plus Charge”) on selected merchandise.All merchandise appearing in the Scotia Rewardscatalogue is subject to availability. Some rules andrestrictions may apply. For additional information and acomplete copy of the Scotia Rewards catalogue, pleasevisit scotiarewards.com. Other terms you should knowabout Non-Travel Rewards:

1. Scotiabank Prepaid Card

For instructions on how to redeem Scotia Rewardspoints for Scotiabank Prepaid Cards, please visitscotiarewards.com. Scotiabank Prepaid Cards aresubject to the terms of the Scotiabank PrepaidCardholder Agreement.

2. Gift Cards

When redeeming Scotia Rewards points for a GiftCard, remember that the terms and conditions thatapply to that Gift Card are set by the issuer that issuesthe gift card, not Scotiabank. Please review specificterms and conditions carefully upon receipt of yourGift Card.

3. How to Redeem Points for Non-Travel Rewards:

You can redeem Scotia Rewards points for non-travelrewards using two methods:i. Redeem using points only

ii. Redeem using points and a charge to your ProgramCard on selected merchandise.

4. Additional terms that apply to Non-TravelRewards:

• Non-Travel Rewards is sent by pre-paid deliveryservice during normal business hours and it may benecessary for you to make appropriatearrangements for receipt.

• Every attempt is made to deliver the order as quicklyas possible. However, Scotiabank is not responsiblefor delays due to a union dispute, postal disruptionor any other reason.

• Where applicable, merchandise non-travel rewardsare delivered with the Manufacturer Warranties andService Policies/Warranties.

• Retain all documents for your records.

• If the item ordered arrives damaged or is missingpieces, please contact the Scotia Rewards Centreimmediately at scotiarewards.com or by calling1-800-665-2582.

For details on how to cancel or return Non-TravelRewards, please visit scotiarewards.com.

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Note: Purchase Insurance: Your Program Card mayinclude insurance coverage for purchases made onyour Program Card, including non-travel rewards.Please refer to scotiabank.com or to the Certificates ofInsurance provided with your Program Card for a fulldescription of any included coverage. For all insurancecoverages, certain limitations, restrictions andexclusions apply3.Please visit scotiarewards.com for additional terms andconditions that apply to non-travel rewards under theProgram.

E. Travel Purchases through the Scotia RewardsTravel Service

The Scotia Rewards Travel Service is provided by alicensed third party travel agent (Hogg RobinsonCanada Inc.) (“HRG”).

1. Booking Travel through the Scotia RewardsTravel Service

You can purchase travel through the Scotia RewardsTravel Service in two ways:i. Sign on to the Scotia Rewards Program Site to book

your purchase online through the Program Site; or

ii. call the Scotia Rewards Travel Service at1-800-665-2582 and speak with a TravelConsultant. Remember: If you book travel by phone,a booking fee will be charged by the Scotia RewardsTravel Service (disclosed to you at the time ofbooking or by visiting scotiarewards.com for details)for that travel purchase and will be charged to yourProgram Card Account. This booking fee is notapplicable to Scotiabank Platinum American ExpressCard. Booking fee is subject to change.

2. Redeeming Points for Travel Purchases:

You can redeem your Scotia Rewards points for atravel purchase made through the Scotia RewardsTravel Service using the following options:

i. Redeeming points (”Points Only”)This payment option allows you to redeem pointsfor the entire amount of your travel purchase madethrough the Scotia Rewards Travel Service;

ii. Redeeming points plus a charge to yourProgram Card (“Points Plus Charge”)This payment option allows you to book travelthrough the Scotia Rewards Travel Service and thevalue of any Scotia Rewards points redeemed will bededucted from the total purchase with thedifference in the amount for that travel purchasethen charged to your Program Card.

You will earn points only on the amount of the travelpurchase charged to your Program Card. You will notearn points on the amount of the travel purchasetowards which you redeem points.

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The minimum point redemption is 5,000 points (5,000points is equivalent to $50 in travel savings) eachtime a redemption towards a travel purchase is madethrough the Scotia Rewards Travel Service.

3. Concierge Assistance Services:

Complimentary concierge services to ScotiabankPlatinum American Express and Scotiabank GoldAmerican Express Cardmembers are provided by ourselected third party service provider1.General concierge assistance consists of car andlimousine rentals, hotel information and reservations,luxury rental information and arrangements such ashouseboats, villas, charter planes, cultural information,restaurant referrals and reservations, entertainmentinformation and arrangements,business servicereferrals and arrangements, golf course referrals,leisure activity information and assistance, gift referralsand arrangement services, hard to find items, locationof retailers/specialty stores, product researchcomparison, specialty in-home referrals and specialtyservice referrals. Services are available worldwide andare subject to limitations. In no event will the servicesbe available in any country or territory which is thesubject of governmental or quasi-governmentaleconomic or political sanctions, which may be involvedin an international or internal conflict, or where theexisting infrastructure is deemed inadequate toguarantee service. Scotiabank Platinum AmericanExpress Cardmembers may redeem Scotia Rewardspoints to purchase services offered through ourselected third party service provider.

4. Other Information about Travel Purchasesthrough the Scotia Rewards Travel ServiceAvailability / Pricing: All travel rewards listed in theScotia Rewards Catalogue, Scotia Rewards ProgramSite or any other brochure or notice made available toyou, are subject to availability by the travel supplier,hotel or any other applicable supplier. The ScotiaRewards Travel Service does not commit to pricematching other than the Best Price Guaranteeprogram.

Travel Confirmations: All correspondence and traveldocuments/itinerary provided by Scotia Rewards TravelService will be sent to the Primary Cardmember’s (orCo-Borrower’s) address or email appearing in ourrecords at Scotia Rewards Travel Service or at theaddress instructed by the Primary Cardmember (orCo-Borrower). We are not responsible for any failureto receive these travel documents if we send them tothe address appearing in our records at the ScotiaRewards Travel Service or the instructions we receivefrom the Primary Cardmember or Co-Borrower.

Travel Documents: You and your travel companionsare responsible to ensure that you have in your

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possession, on departure and as otherwise required, allnecessary travel documents. We are not responsible ifyou do not have the necessary travel documents andyou will not be entitled to any compensation from us.It is your responsibility to check with the airlines andother travel suppliers for all estimated departure times,arrival times, and check-in times.

Pay at Destination: While most hotel and car rentalbookings will be prepaid (requiring Cardmembers topay only local tax and incidentals atcheck-out/drop-off), there may be occasions where aprepayment is not possible. In these situations, yourhotel and/or car bookings will be considered a “Pay AtDestination” booking. For these bookings, points areredeemed in the form of a travel credit. The travelcredit is applied to your Program Card Account within14 days of the date of this booking. Full payment iscollected by the hotel and/or car rental agency. Pay atDestination is only applicable to trips reserved throughthe Scotia Rewards Travel Service and paid with aProgram Card.

Travel Cancellation: If you wish to cancel your travelbooking before your travel departure date, or anyportion of it, made through the Scotia Rewards TravelService, we will attempt to assist you but you agreethat any cancellation is subject to the terms andconditions of the third party travel supplier that isproviding that travel purchase and the terms of thetravel purchase itself. In some cases, this means thatfor non-refundable tickets, cancellations are notallowed or are subject to cancellation fees. Anycancellation fees will be charged directly to theProgram Card Account on which the travel purchasewas made.Travel cancellations and/or changes made to travelpurchases outside of Scotia Rewards Travel Servicehours are dependent on the terms set by the thirdparty travel providers and their hours of operation. TheScotia Rewards Travel Service is not responsible forearlier closures or any cancellation of these travelpurchases by the third party travel providers.Point redemptions for travel purchases are final.However, if you are able to cancel a travel purchase forwhich you redeemed Scotia Rewards points, we willcredit the Program Card Account for the pointsredeemed at the value they were redeemed at.

Travel Insurance: Your Program Card may includeinsurance coverages related to travel. Please refer tothe rewards and travel benefits posted online atscotiabank.com or to the Certificates of Insuranceprovided with your Program Card for a full descriptionof any included coverage. For all insurance coverages,certain limitations, restrictions and exclusions apply,

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including a pre-existing condition exclusion for certainbenefits3.

F. Post Purchase Travel RedemptionYou can purchase eligible travel or related travelexpenses at a travel provider other than the ScotiaRewards Travel Service (e.g., other travel agencies, touroperators and online travel websites) (the “OtherTravel Suppliers”). These types of purchases at OtherTravel Suppliers are called “Post Purchase TravelRedemptions”.Scotia Rewards points are redeemable for PostPurchase Travel Redemptions made through yourProgram Card. To redeem Scotia Rewards points for aPost Purchase Travel Redemption at Other TravelSuppliers, the purchase must first appear (post) on theProgram Card Account. Scotia Rewards Cardmemberscan then redeem points towards the amount of thePost Purchase Travel Redemption charged to theProgram Account through scotiarewards.com or bycalling 1-800-665-2582.The Post Purchase Travel Redemption must be chargedon your Program Card Account and recognized by oursystems with the Merchant Category Codes oridentifiers: airlines & air carriers – 4511; airports, flyingfields, and airport terminals –4582; lodgings, hotels,motels and resorts – 7011; trailer parks andcampgrounds – 7033; passenger railways - 4112, buslines – 4131; steamship and cruise lines – 4411; travelagencies and tour operators – 4722; automobile rentalagency – 7512; motor home and recreational vehiclerentals – 7519. These Merchant codes/identifiers andcategories are subject to change.The Post Purchase Travel Redemption can includerelated taxes, booking fees, airport fees and travelinsurance premiums.You must redeem Scotia Rewards points within 12months from the date when the Post Purchase TravelRedemption is posted to the Program Card Account(the posting date). It may take up to two statementperiods for the points redeemed towards a PostPurchase Travel Redemption to appear as a credit onyour Program Card Account. Points redeemed cannotbe reversed once posted to the Account. To redeemScotiaRewards Points towards your Post PurchaseTravel Redemption, the Program Card Account mustbe open and in good standing2.The value of the points redeemed cannot exceed theamount of the Post Purchase Travel Redemptioncharged to your Program Card Account.

The minimum point redemption is 5,000 points (5,000points is equivalent to $50 in travel savings) eachtime a redemption towards a Post Purchase TravelRedemption is made.

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G. Redeem Points for a CreditA Primary Scotia Rewards Cardmember orCo-Borrower can redeem points online throughscotiarewards.com for a credit that will be applied tothe Program Card Account or we may from time totime send a Primary Scotia Rewards Cardmember orCo-Borrower an offer to redeem points for a credit.Your Program Card account must be open and in goodstanding2 at the time the credit is applied to theProgram Card Account.It may take up to two statement periods, following arequest to redeem points for a credit, for the credit toappear on the Program Card Account. Once therequest to redeem Scotia Rewards points for a credithas been submitted, you cannot cancel the requestand no changes can be made. The credit will beapplied towards the balance of the Program CardAccount, not towards a particular transaction.For additional information and instructions on how toredeem Scotia Rewards points for a credit, including ifany minimum redemption amounts are required,please visit scotiarewards.com.

H. Points Status when Switching Cards

If you switch your Program Card Account to anotherProgram Card Account, then your accumulated ScotiaRewards points will transfer over to your new ProgramCard Account, so long as both Accounts are in yourname and are in good standing2.If you switch (transfer) your Program Card to aScotiabank Credit Card that does not offer the ScotiaRewards Program, your Scotia Rewards points will nottransfer over to your new Scotiabank Credit Card. Inthat case, you may redeem any unused Scotia Rewardspoints for merchandise within 60 days of the switch,provided your Program Card Account and the otherScotiabank credit account are in good standing2. After60 days, unredeemed points will be permanentlycancelled.

I. Cancelled, Lost or Stolen Program Cards

Cancelled Program Cards on Program Card accountsare not eligible to earn Scotia Rewards points aftertheir cancellation date. If your Program Card is lost orstolen, we will replace that Program Card and transferyour points to the new Program Card Account openedin your name for the replacement card.

J. Changes to this Program

Scotiabank reserves the right to modify, terminate,suspend or extend or otherwise alter all or any of theterms and conditions of the Scotia Rewards programby giving 30 days’ notice, including the following:i. The amount of points earned or redeemed through

the Program;

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ii. The value of points;

iii. What you can or cannot redeem points for;

iv. When you can transfer points and to whom;

v. The length of time available to redeem points; or

vi. Any fees or charges that apply to this Programincluding booking fees.

In the event we terminate this Program, the PrimaryCardmember will be notified and can redeem anyunused points within 60 days after the Program’stermination date, provided their Program Account(s) isin good standing2.

K. General Program Terms

Good Standing: If the Program Card Account is not ingood standing, Scotia Rewards points are not eligiblefor redemption and the Account will not earn points.

Canadian $: All amounts referred to are in Canadiandollars unless otherwise noted.

L. Disclaimers

The Bank of Nova Scotia (Scotiabank) and any of thethird party service providers that are retained byScotiabank to assist us in providing the Scotia RewardsProgram (each a “Program Provider”) are not liable orresponsible for any damages, injuries or disabilities thatoccur, including during travel redeemed through theProgram, while using any rewards redeemed throughthe Program or for any cash backs under the Program.

Scotiabank and its Program Providers (including HRG),their affiliates, employees, agents or contractors arenot liable or responsible for any damages or losses,including without limitation indirect, consequential,special, incidental or punitive damages resulting fromor caused by the fulfillment or nonfulfillment ofservices (including rewards) under this Program.Scotiabank and its Program Providers (including HRG)are not responsible for any purchases or other goodsand services provided by third parties including OtherTravel Providers.

While we will try to satisfy Cardmembers with anequivalent replacement or a credit adjustment ofpoints, Scotiabank and our Program Providers,will not assume any costs related to the failure ofsuppliers to deliver the rewards.

Please see the Revolving Credit Agreement that youreceived with your Program Card about settlingdisputes directly with a merchant or visitscotiabank.com for a copy of your Revolving CreditAgreement.

Scotiabank and its Program Providers do not make anywarranties or representations with respect to thequality or fitness for use of any rewards, including thenature or quality of any of the travel rewards.

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® American Express is a registered trademark of American Express. This credit cardprogram is issued and administered by The Bank of Nova Scotia under licensefrom American Express.

®* Registered trademarks of The Bank of Nova Scotia.All brand names are the property of their respective owners.1 Concierge Assistance Services for Scotiabank Platinum American Express and for

Scotiabank Gold American Express Cardmembers is provided by our third partyprovider Hogg Robinson Canada Inc.

2 A Program Card Account and associated Program Card(s) is in good standing ifthe Account is not delinquent (past due) or over limit and the Cardmember(s) isnot in breach of the Revolving Credit Agreement that applies to the ProgramCard Account. If the account is not in good standing, the accumulated ScotiaRewards points are not eligible for redemption.

3 Under all insurance coverages or services, certain limitations, restrictions andexclusions apply, including a pre-existing condition exclusion for certainbenefits. Please refer to your Certificate of Insurance which contains a fulldescription of coverage underwritten by an independent licensed insurer. Allclaims for insurance indemnities must be forwarded to the insurer. For moreinformation for travelers under 65 years of age, please call Scotia Assist at1-800-263-0997. For more information for travelers over 65 or if the value ofyour trip exceeds the amount covered under your Program Card, you may wishto call Travel Underwriters at 1-888-677-7444 to obtain information aboutpurchasing additional Trip Cancellation/Interruption coverage. The Bank ofNova Scotia is not an insurer. All claims for insurance indemnities must beforwarded to the insurers.

Purchase Security,Extended Warranty,Lost Luggage, Delayed Luggage and Hotel/Motel Burglary Certificate of InsuranceAmended and Restated Effective July 24, 2018

This Certificate of Insurance contains a clausewhich may limit the amount payable.

This Certificate of Insurance contains informationabout your insurance. Please read it carefully and keepit in a safe place. Refer to the Definitions section or tothe applicable description of benefits and theparagraph following this one for the meanings of allcapitalized terms.The coverage outlined in this Certificate of Insurance iseffective as of July 16, 2012, and is provided to eligibleScotiabank®* Gold American Express®

Cardmembers by American Bankers InsuranceCompany of Florida (hereinafter referred to as the“Insurer”) under Group Policy number No.BNS122000, (hereinafter referred to as the “Policy”)issued by the Insurer to The Bank of Nova Scotia(hereinafter referred to as the “Policyholder”).The terms, conditions and provisions of the Policy aresummarized in this Certificate of Insurance, which isincorporated into and forms part of the Policy. Allbenefits are subject in every respect to the Policy,which alone constitutes the agreement under whichbenefits will be provided. You or a person making aclaim under this Certificate may request a copy of thePolicy and/or copy of your application for this insurance(if applicable) by writing to the Insurer at the addressshown below.The Insurer’s Canadian head office is located at 5000

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Yonge Street, Suite 2000, Toronto, Ontario M2N 7E9.Claim payment and administrative services areprovided by Scotia Assist.In no event will a corporation, partnership or businessentity be eligible for the insurance coverage providedby this Certificate of Insurance.

1. DEFINITIONS

In this Certificate of Insurance, the following words orphrases have the meanings set forth below:

Account means the Primary Cardmember’sScotiabank Gold American Express Card Account,which must be in Good Standing with the Policyholder.

Cardmember means the Primary Scotiabank GoldAmerican Express Account Cardmember and anysupplemental Cardmember who is a natural personresident in Canada to whom a Scotiabank GoldAmerican Express Card is issued and whose name isembossed on the card. The Cardmember may bereferred to as “You” or “Your”.

Check In means the moment the Insured Personregisters at the Hotel/Motel.

Check Out means the moment the Insured Personvacates the Hotel/Motel room and pays the itemizedtotal cost incurred for the duration of the stay bycharging the full cost to the Account.

Checked Luggage means suitcases or othercontainers specifically designated for carrying personalbelongings, for which a baggage claim check has beenissued to the Insured Person by a Common Carrier.

Common Carrier means any land, water or airconveyance which is licensed to carry passengerswithout discrimination and for hire, excluding courtesytransportation provided without a specific charge.

Delayed Luggage means an Insured Person’sChecked Luggage which is delayed by the CommonCarrier for more than 4 hours from the InsuredPerson’s time of arrival at the Final Destination.

Dependent Children means Your unmarried natural,adopted or step-children who are dependent on Youfor maintenance and support and who are eitherunder 21 years of age, or under 25 years of age and infull-time attendance at a recognized institution ofhigher learning in Canada. Dependent Child(ren) alsoincludes children 21 years of age or over who arepermanently mentally or physically challenged andincapable of self-support.

Dollars and $ means Canadian dollars.

Essential Items mean the minimum essential clothingand toiletries, the purchase of which is renderedabsolutely necessary and indispensable due to thedelay of Your Checked Luggage.

Final Destination means the away-from-home

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ticketed destination for any particular day of travel, asshown on your Ticket.

Good Standing means, with respect to an Account,that the Primary Cardmember has not advised thePolicyholder to close it or the Policyholder has notsuspended or revoked credit privileges or otherwiseclosed the Account.

Hotel/Motel means an establishment located inCanada or the United States that provides lodging forthe general public, and usually meals, entertainment,and various personal services.

Immediate Family Member means a Spouse,Dependent Children and parents residing with theCardmember.

Insured Item means a new item (a pair or set beingone item) of personal property (not purchased by orfor use by a business or for commercial purposes) forwhich the full Purchase Price is charged to an Accountand/or paid with Scotia Rewards®* points.

Insured Person means an eligible Cardmember and,where specified, certain other eligible persons asoutlined under the applicable benefit.

Manufacturer’s Warranty means an express writtenwarranty valid in Canada or the United States andissued by the original manufacturer of the Insured Itemat the time of purchase, excluding any extendedwarranty offered by the manufacturer or any thirdparty.

Mysterious Disappearance means the vanishing ofan item which cannot be explained, i.e. there is anabsence of evidence of a wrongful act of anotherperson.

Other Insurance means all other applicable validinsurance, indemnity, warranty or protection availableto You in respect of the item(s) subject to the claim, asfurther defined in Section 9 of this Certificate.

Primary Cardmember means the principal applicantfor an Account who is a natural person resident inCanada to whom a Scotiabank Gold AmericanExpress Card is issued by the Policyholder.

Purchase Price means the actual cost of the InsuredItem, including any applicable taxes, as shown on thestore receipt.

Scotia Assist means the Insurer in relation to claimpayment and administrative services.

Spouse means the person who is legally married to theCardmember or the person who has been living withthe Cardmember for a continuous period of at leastone year and is publicly represented as theCardmember’s Spouse.

Ticket means evidence of fare paid for travel on aCommon Carrier, which has been charged to YourAccount and/or paid with Scotia Rewards points.

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Trip means a scheduled period of time during whichan Insured Person is away from his or her province orterritory of residence in Canada, as determined by thedeparture and return dates.

2. PURCHASE SECURITY

For this coverage, Insured Person means theCardmember. No other person or entity shall have anyright, remedy or claim, legal or equitable to thebenefits.

a) Benefits – Purchase Security coverageautomatically, without registration, protects mostnew Insured Items purchased anywhere in the world(provided the full Purchase Price is charged to theAccount and/or paid with Scotia Rewards points) byinsuring them for 90 days from the date ofpurchase in the event of loss, theft, or damage inexcess of Other Insurance. If an Insured Item is lost,stolen or damaged, Scotia Assist will reimburse Youthe lesser of the repair or replacement cost, notexceeding the original Purchase Price charged to theAccount, subject to the limits of liability andexclusions stated in Section 7 of this Certificate ofInsurance.

b) Excluded Items – Purchase Security does not coverthe following items: travellers cheques, cash, ticketsor any other negotiable instruments; bullion, rare orprecious coins; art objects (such as but not limitedto hand-made items, limited editions, original,signature pieces or collectible plates); pre-owned orused items, including antiques and demos; animals;living plants; perishables such as food and liquor;aircraft and parts and accessories thereof;automobiles, motorboats, motorcycles or any othermotorized vehicles and parts and accessoriesthereof; items consumed in use; services; ancillarycosts incurred in respect of an Insured Item and notforming part of the Purchase Price; parts and/orlabour required as a result of mechanicalbreakdown; items purchased by and/or used for abusiness or commercial purpose and commercialgain; mail order items until received and acceptedby the Cardmember in new and undamagedcondition; or jewellery transported/stored inbaggage which is not under the personalsupervision of the Cardmember or Cardmember’stravelling companion.

c) Gifts – Insured Items the Cardmember gives as giftsare covered by Purchase Security. In the event of aclaim, the Cardmember, not the recipient of thegift, must make the claim for benefits.

d) Termination – Coverage ends the earliest of:

(i) the date the Account is cancelled, closed orceases to be in Good Standing;

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(ii) the date the Cardmember ceases to be eligiblefor coverage; and

(iii) the date the Policy terminates.No coverage will be provided for items purchased afterthe Policy termination date.

3. EXTENDED WARRANTYFor this coverage, Insured Person means theCardmember. No other person or entity shall have anyright, remedy or claim, legal or equitable to thebenefits.

a) Benefits – Extended Warranty coverage providesthe Cardmember with double the period of repairservices otherwise provided by the originalManufacturer’s Warranty, to a maximum of 1additional year, when the full Purchase Price ischarged to the Account and/or paid with ScotiaRewards points on most Insured Items purchasedanywhere in the world. Extended Warranty benefitsare limited to the lesser of the cost to repair or theoriginal Purchase Price charged to the Account.

b) Registration – Insured Items with a Manufacturer’sWarranty of 5 or more years are ONLY covered ifregistered within the first year of purchase. InsuredItems with a Manufacturer’s Warranty of lessthan 5 years DO NOT require registration. Toregister item(s) with a Manufacturer’s Warranty ofmore than 5 years for the Extended Warrantybenefit, call 1 877 391-7507 between 8:00 am and8:00 pm, ET, Monday through Friday. You will berequired to send copies of the following items toScotia Assist within 1 year after the Insured Item ispurchased:

(i) a copy of the original vendor sales receipt;

(ii) the customer copy of Your sales receipt;

(iii) the serial number of the item; and

(iv) a copy of the original Manufacturer’s Warranty.

c) Excluded Items – Extended Warranty does notcover the following items: aircraft and parts andaccessories thereof; automobiles, motorboats,motorcycles and any other motorized vehicles andparts and accessories thereof; used items; livingplants; trim parts; services; items purchased byand/or used for a business or commercial purposeand commercial gain; dealer and assemblerwarranties; or any other obligation other than thosespecifically covered under the terms of the originalManufacturer’s Warranty.

d) Gifts – Insured Items the Cardmember gives as giftsare covered under the Extended Warranty coveragesubject to compliance with the terms and conditionsof the coverage offered hereunder.

e) Termination – Coverage ends the earliest of:

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(i) the date the Account is cancelled, closed orceases to be in Good Standing;

(ii) the date the Cardmember ceases to be eligiblefor coverage; and

(iii) the date the Policy terminates.

No coverage will be provided for items purchased afterthe Policy termination date.

4. LOST LUGGAGEFor this coverage, Insured Person means theCardmember and any Immediate Family Membertravelling with a Cardmember.

a) Benefits – Lost Luggage coverage providesprotection from theft or permanent misdirection ofthe Checked Luggage by a Common Carrier up to amaximum of $1,000 per Trip for all Insured Personson the same Trip provided that the full price of theInsured Person’s fare has been charged to anAccount and/or paid with Scotia Rewards points.Payment is based on the actual replacement cost ofany lost or stolen article provided the article isactually replaced. Otherwise, payment is based onthe actual cash value of the article at the time ofloss.

b) Excluded Items – Lost Luggage does not cover:animals; any conveyance or appurtenances exceptbicycles; contact lenses; eyeglasses; hearing aids;artificial teeth; dental bridges; prosthetic limbs;money; securities; credit cards and any othernegotiable instruments; tickets and documents;cameras; sporting equipment; business items; artobjects (such as but not limited to hand-madeitems, limited editions, original, signature pieces orcollectible plates); electronic equipment; luggagenot checked; luggage held, seized, quarantined ordestroyed by a customs or government agency; orwhere a reimbursement or a non-monetary (tickets,coupons, travel vouchers) settlement is made by theCommon Carrier.

5. DELAYED LUGGAGEFor this coverage, Insured Person means theCardmember and any Immediate Family Membertravelling with a Cardmember.

a) Benefits – Delayed Luggage coverage reimbursesan Insured Person for the cost of replacing EssentialItems, if the Insured Person’s Checked Luggage isnot delivered within 4 hours from the InsuredPerson’s time of arrival at the Final Destination,provided the full price of the Insured Person’s farehas been charged to an Account and/or paid withScotia Rewards points. The Essential Items must bepurchased before the Checked Luggage is returnedto the Insured Person and no later than 96 hours

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after the Insured Person’s time of arrival at the FinalDestination. The maximum benefit payable underDelayed Luggage coverage per Trip for all InsuredPersons on the same Trip is $1,000.

b) Excluded Items – The Delayed Luggage coveragedoes not cover: losses occurring when CheckedLuggage is delayed on an Insured Person’s returnhome to their province or territory of residencein Canada; expenses incurred more than 96 hoursafter the Insured Person’s time of arrival at the FinalDestination; expenses incurred after the CheckedLuggage is returned to the Insured Person; lossescaused by or resulting from any criminal act by theInsured Person; baggage not checked; baggageheld, seized, quarantined or destroyed by a customsor government agency; money; securities; creditcards; negotiable instruments; tickets; or documentsof any nature whatsoever.

6. HOTEL/MOTEL BURGLARYFor this coverage, Insured Person means theCardmember and any Immediate Family Membertravelling with a Cardmember.

a) Benefits – The Hotel/Motel Burglary coverageprotects the Insured Person, for the period of timebetween Check In and Check Out, from theft ofmost items of personal property from a Hotel/Motelroom where there is evidence of forceful entry,ONLY within the territorial limits of Canada and theUnited States. Coverage is up to a maximum of$1,000, in excess of Other Insurance and/orpayments made by the Hotel/Motel, provided thefull cost of the Hotel/Motel room has been chargedto the Account and/or paid with Scotia Rewardspoints.

b) Excluded Items – Hotel/Motel Burglary does notcover: cash; travellers cheques; securities; creditcards; or any other negotiable instruments; ticketsand documents.

7. ADDITIONAL LIMITS OF LIABILITY ANDEXCLUSIONSa) Limits of Liability – There is a maximum lifetime

liability of $60,000 under the Purchase Security andExtended Warranty coverages.

In the event that the Insured Item cannot berepaired or replaced, Scotia Assist, at its sole option,may reimburse You up to the Purchase Price of theInsured Item.

Claims for items belonging to and purchased as apair or set will be paid for at the full Purchase Priceof the pair or set provided that the parts of the pairor set are unusable individually and cannot bereplaced individually. Where parts of the pair or setare usable individually, liability will be limited to

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payment equal to the proportionate part of thePurchase Price that the number of damaged orstolen parts bears to the number of parts in thecomplete pair or set.

b) Exclusions – The Policy does NOT provide coveragefor losses resulting from: misuse or abuse; fraud;normal wear and tear; inherent product defects(which means imperfections which impair the use ofthe product); Mysterious Disappearance; theft froma vehicle unless the vehicle is locked and there arevisible signs of forced entry; flood, earthquake orradioactive contamination; hostilities of any kind(including war, invasion, terrorism, rebellion orinsurrection), confiscation by authorities, risks ofcontraband or illegal activity; or incidental andconsequential damages, including bodily injury,property, punitive and exemplary damages and legalfees.

8. CLAIMS

a) Filing a Claim – To initiate a claim, theCardmember must notify Scotia Assist as soon asreasonably possible and PRIOR to proceeding withany action or repairs and no later than 90 daysfrom the date of loss or damage, by calling1 877 391-7507 or 416-572-3636 locally between8:00 a.m. and 8:00 p.m. ET, Monday throughFriday.

b) Validation of a Claim – The Cardmember MUSTmaintain ORIGINAL copies of all documentsrequired. Where a claim is due to fraud, maliciousacts, burglary, robbery, theft or attemptthereat, or is suspected to be so caused, theCardmember MUST give immediate notice to thepolice or other authorities having jurisdiction. TheCardmember may be required to send, at theCardmember’s expense and risk, the damagedInsured Item on which a claim is based, to anaddress designated by Scotia Assist.

c) Claim Form – Upon notifying Scotia Assist of theloss, the Cardmember will be sent a claim form. Thecompleted claim forms together with written proofof loss must be delivered as soon as reasonablypossible, but in all events within 1 year from thedate on which the loss occurred.

Failure to provide notice or furnish proof of claimwithin the time prescribed herein does not invalidatethe claim if the notice or proof is given or furnishedas soon as reasonably possible, and in no event laterthan one year from the date a claim ariseshereunder, if it is shown that it was not reasonablypossible to give notice or furnish proof within thetime so prescribed. If the notice or proof is given orfurnished after 1 year, Your claim will not be paid.

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d) Payment of Claim – Benefits payable under thePolicy will be paid upon receipt of full written proof,as determined by Scotia Assist.

e) Purchase Security – Under the Purchase Securitycoverage, the Cardmember will be required tocomplete a claim form and MUST include copies ofthe customer copy of the original store receipt,Scotiabank Gold American Express Card chargeslip, and Account statement and police report ifobtainable, and if not obtainable, the department,file number, address, contact name on the file andtelephone number, and any other informationreasonably required by Scotia Assist to determinethe Cardmember’s eligibility for benefits under thePolicy.

f) Extended Warranty – Under the ExtendedWarranty coverage, the Cardmember will berequired to complete a claim form PRIOR toproceeding with any repairs, and MUST includecopies of the customer copy of the original storereceipt, Scotiabank Gold American Express Cardcharge slip, and Account statement andManufacturer’s Warranty. Upon receipt of thecompleted documentation, if the claim is eligible forcoverage under the Policy, Scotia Assist will providea notice to the Cardmember containing anauthorization to proceed with the necessary repairsand the particulars of the repair facility designatedto complete the necessary repairs.

g) Lost Luggage – Under the Lost Luggage coverage,the Cardmember will be required to complete theclaim form and MUST include copies of theCommon Carrier ticket, the baggage claim ticket,Scotiabank Gold American Express Card chargeslip and Scotiabank Gold American ExpressAccount statement and a written statement fromthe Common Carrier confirming:(i) the date, time and details of loss;

(ii) payout documentation from the CommonCarrier including a copy of the cheque, claimform, a list of items lost and their value; and

(iii) any other information reasonably required byScotia Assist to determine coverage eligibility.

h) Delayed Luggage – Under the Delayed Luggagecoverage, the Cardmember will be required tocomplete the claim form and MUST include copiesof the Scotiabank Gold American Express Cardcharge slip and Account statement. In addition,the Cardmember will be required to submit itemizedreceipts for actual expenses incurred for EssentialItems and a written statement from the CommonCarrier confirming all of the following specifics:

(i) date and time of delay;

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(ii) date and time that the Checked Luggage wasreturned to the Insured Person;

(iii) reason or circumstances surrounding the delay;and

(iv) any other information reasonably required byScotia Assist.

i) Hotel/Motel Burglary – Under the Hotel/MotelBurglary coverage, the Cardmember will be requiredto complete a claim form and MUST include copiesof the Scotiabank Gold American Express Cardcharge slip and Account statement, a writtenstatement from the Hotel/Motel confirming thedate, time and details of the loss, police report ifobtainable, and if not obtainable, the department,file number, address, contact name on the file, andtelephone number, payout documentationfrom the Other Insurance carrier, if applicable, andany other information reasonably required by ScotiaAssist to determine coverage eligibility.

9. GENERAL PROVISIONS AND STATUTORYCONDITIONS

Unless otherwise expressly provided herein or in thePolicy, the following general provisions apply to thebenefits described in this Certificate of Insurance.

a) Coverage Termination – Coverage under thePolicy ends at the earliest of:

(i) the date the Account is cancelled or closed orceases to be in Good Standing;

(ii) the date the Insured Person ceases to be eligiblefor coverage; and

(iii) the date the Policy terminates.

No benefits will be paid under the Policy for lossesincurred after coverage has terminated, unlessotherwise specified or agreed.

b) Other Insurance – Where an Insured Person hasOther Insurance, the loss or damage MUST bereported to the primary carrier in addition to filingwith Scotia Assist, and copies of the payoutdocuments from the Other Insurance carrier mustbe provided to Scotia Assist. If the loss or damage isnot covered under the Other Insurance, a letterfrom the Other Insurance carrier so indicatingmay be required. The insurance extended under thePolicy by the Insurer is issued strictly as excesscoverage and does not apply as contributinginsurance. The coverage extended under the Policywill reimburse the Cardmember only to the extent apermitted claim exceeds coverage and paymentunder Other Insurance, regardless of whether theOther Insurance contains provisions purporting tomake its coverage non-contributory or excess. The

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Policy also provides coverage for the amount of thedeductible under Other Insurance.

c) Subrogation – As a condition to the payment ofany claim to a Cardmember, the Cardmemberand/or any Insured Person shall, upon request,transfer or assign to the Insurer all legal rightsagainst all other parties for the loss. TheCardmember and/or any Insured Person shall givethe Insurer all such assistance as the Insurer mayreasonably require to secure its rights and remedies,including the execution of all documents necessaryto enable the Insurer to bring suit in the name ofthe Cardmember and/or Insured Person.

d) Due Diligence – The Cardmember shall usediligence and do all things reasonable to avoid ordiminish any loss or damage to property protectedby the Policy.

e) False Claim – If a Cardmember makes a claimknowing it to be false or fraudulent in any respect,such Cardmember will not be entitled to the benefitof coverage under the Policy nor to the payment ofany claim made under the Policy.

f) Legal Action – Every action or proceeding againstan insurer for the recovery of insurance moneypayable under the contract is absolutely barredunless commenced within the time set out in theInsurance Act, Limitations Act or other applicablelegislation in Your province or territory.

g) If You Have a Concern or Complaint - If Youhave a concern or complaint about Your coverage,please call the Insurer at 1-800-263-0997 or thePolicyholder at 1-800-472-6842. The Insurer will doits best to resolve Your concern or complaint. If forsome reason the Insurer is unable to do so to Yoursatisfaction, You may pursue the concern orcomplaint in writing to an independent externalorganization. You may also obtain detailedinformation for the Insurer’s resolution process andthe external recourse either by calling the Insurer atthe number listed above or at:www.assurantsolutions.ca/consumer-assistance.

h) Privacy - The Insurer may collect, use, and sharepersonal information provided by You to the Insurer,and obtained from others with Your consent, or asrequired or permitted by law. The Insurer may usethe information to: serve You as a customer andcommunicate with You. The Insurer may processand store Your information in another country,which may be subject to access by governmentauthorities under applicable laws of that country.You may obtain a copy of the Insurer’s privacypolicy by calling 1-888-778-8023 or from theirwebsite: www.assurantsolutions.ca/privacy. If

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Trip Cancellation and Trip InterruptionCertificate of InsuranceAmended and Restated Effective July 24, 2018

This Certificate of Insurance contains a clausewhich may limit the amount payable.

This Certificate of Insurance contains informationabout your insurance. Please read it carefully and keepit in a safe place. Refer to the Definitions section or tothe applicable description of benefits and theparagraph following this one for the meanings of allcapitalized terms.The coverage outlined in this Certificate of Insurance iseffective as of July 16, 2012, and is provided to eligibleScotiabank®* Gold American Express®

Cardmembers by American Bankers InsuranceCompany of Florida (hereinafter referred to as the“Insurer”) under Group Policy No. BNS122000(hereinafter referred to as the “Policy”) issued by theInsurer to The Bank of Nova Scotia (hereinafterreferred to as the “Policyholder”).The terms, conditions and provisions of the Policy aresummarized in this Certificate of Insurance, which isincorporated into and forms part of the Policy. Allbenefits are subject in every respect to the Policy,which alone constitutes the agreement under whichbenefits will be provided. You or a person making aclaim under this Certificate may request a copy of thePolicy and/or copy of your application for this insurance(if applicable) by writing to the Insurer at the addressshown below.The Insurer’s Canadian head office is located at 5000Yonge Street, Suite 2000, Toronto, Ontario M2N 7E9.Claim payment and administrative services areprovided by Scotia Assist.In no event will a corporation, partnership or businessentity be eligible for the insurance coverage providedby this Certificate of Insurance.

1. DEFINITIONSIn this Certificate of Insurance, the following words orphrases have the meanings set forth below:

You have any questions or concerns regarding theprivacy policy or Your options for refusing orwithdrawing this consent, You may call the Insurerat the number listed above.

® American Express is a registered trademark of American Express.This credit card program is issued and administered by The Bank of Nova Scotiaunder license from American Express.

®* Registered Trademarks of The Bank of Nova Scotia.

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Account means the Primary Cardmember’sScotiabank Gold American Express Card Account,which must be in Good Standing with the Policyholder.

Cardmember means the Primary Cardmember’sScotiabank Gold American Express Account and anysupplemental Cardmember who is a natural personresident in Canada to whom a Scotiabank GoldAmerican Express Card is issued and whose name isembossed on the card. The Cardmember may bereferred to as “You” or “Your”.

Cause(s) for Cancellation means any one of themedical or non-medical covered causes for cancellationidentified in Section 3 of this Certificate.

Cause(s) for Interruption means any one of themedical or nonmedical covered causes for interruptionidentified in Section 4 of this Certificate.

Common Carrier means any land, air or waterconveyance which is licensed to carry passengerswithout discrimination and for hire, excluding courtesytransportation provided without a specific charge.

Dependent Children means Your unmarried natural,adopted or step-children who are dependent on Youfor maintenance and support and who are eitherunder 21 years of age, or under 25 years of age and infull-time attendance at a recognized institution ofhigher learning in Canada. Dependent Child(ren) alsoincludes children 21 years of age or over who arepermanently mentally or physically challenged andincapable of self-support.

Doctor means a physician or surgeon who isregistered or licensed to practice medicine in thejurisdiction where the medical treatment or service isprovided, and who is not related by blood or bymarriage to the Insured Person to whom the service isrendered.

Dollars and $ means Canadian dollars.

Eligible Expenses mean charges for any of thefollowing travel arrangements which have beenbooked or reserved prior to departure on a Trip andfor which at least 75% of all costs (including depositsand pre-payments, but excluding the cost of additionalinsurance You may obtain from Your travel supplier)has been charged to Your Scotiabank GoldAmerican Express Account and/or Your ScotiaRewards®* points:

a) cost of transportation by Common Carrier;

b) cost of hotel or similar accommodation; and

c) cost of a package tour (excluding insurancepremiums) which has been sold as a unit andincludes at least two of the following:• transportation by Common Carrier• meals

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• car rental• tickets or passes for a sporting event, exhibition or

other comparable entertainment event• hotel or similar accommodation• lessons or services of a guide

Emergency means an unforeseen event that occursafter a Trip was booked and makes it necessary toreceive immediate treatment from a Doctor or to behospitalized.

Good Standing means, with respect to an Account,that the primary Cardmember has not advised thePolicyholder to close it and the Policyholder has notsuspended or revoked credit privileges or otherwiseclosed the Account.

Hospital means an institution which is licensed toprovide, on an inpatient basis, medical care andtreatment of sick and injured persons through medical,diagnostic and major surgical facilities, under thesupervision of a staff of Doctors and with24-hour-a-day service. Hospital does not include anyinstitution or part of an institution which is licensed orused principally as a clinic, a continued care orextended care facility, a convalescent home, a resthome, a nursing home or home for the aged, a healthspa or a treatment centre for drug addiction oralcoholism.

Hospitalization means a stay of at least 48 hours in aHospital for Emergency and medical treatment whichcannot be postponed.

Immediate Family Member means a spouse,daughter or son (whether natural, adopted orstep-child), grandchild, grandparents, mother, father,step-parent, sister, stepsister, brother, step-brother,parent-in-law, daughter-in-law, son-inlaw, sister-in-lawor brother-in-law.

Insured Person means an eligible Cardmember and/orhis or her eligible Spouse and eligible DependentChildren. Insured Person also means one (1) TravellingCompanion booked to travel on a Trip with You and/orYour Spouse if the full cost of his or her EligibleExpenses for the Trip has been charged to theAccount.Key Employee means an employee whose continuedpresence at the Insured Person’s place of business iscritical to the ongoing affairs of the Insured Person’sbusiness during Your Trip.

Legal Business Partner means a person whoparticipates with the Insured Person in the dailymanagement of a shared business and who shares thefinancial risk of the operation.

Medical Condition means any illness, injury orsymptom, whether diagnosed or not.

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Pre-Existing Condition means any Medical Conditionfor which symptoms appeared or for which an InsuredPerson or an Insured Person’s Immediate FamilyMember sought the attention of a Doctor, hadinvestigated, diagnosed or treated, had treatment orfurther investigation recommended or for whichmedication was prescribed or altered, in the casewhere the person is under 75 years of age, in the 180days prior to the date the Trip was booked, and in thecase where the person is 75 years of age or older,inthe 365 days prior to the date the Trip was booked.Primary Cardmember means the principal applicantfor an Account who is a natural person resident inCanada to whom a Scotiabank Gold AmericanExpress Card is issued by the Policyholder.Rescheduling Expenses means the additional chargesassociated with Eligible Expenses, includingadministrative and change fees, which result fromrescheduling a Trip, prior to departure, and which havebeen charged to Your Account and/or Your ScotiaRewards points.Scotia Assist means the Insurer in relation to claimpayment and administrative services.Spouse means the person who is legally married to theCardmember or the person who has been living withthe Cardmember for a continuous period of at leastone year and is publicly represented as theCardmember’s Spouse.Travelling Companion means a person booked totravel with You and/or Your Spouse on a Trip and whohas prepaid accommodations and/or transportationarrangements for the same Trip.Trip means a scheduled period of time during whichan Insured Person is away from his or her province orterritory of residence in Canada, as determined by thedeparture and return dates.2. ELIGIBILITYEach Cardmember and/or his or her Spouse is eligiblefor the Trip Cancellation and Trip Interruption coveragesummarized under this Certificate if the EligibleExpenses for the Trip have been charged to YourAccount. Your Dependent Children and one (1)Travelling Companion are eligible for this coveragewhen they are booked to travel on a Trip with Youand/or Your Spouse and their Eligible Expenses havebeen charged to Your Account.

3. TRIP CANCELLATION BENEFITSYou will be reimbursed for any Eligible Expenses whichare not refundable or reimbursable in any manner if,prior to Your scheduled departure, an Insured Person isrequired to cancel a Trip due to one of the followingcovered Causes for Cancellation. The amount payableis subject to a maximum limit of $2,500 per InsuredPerson and $10,000 per Trip for all Insured Persons on

49

the same Trip, and will be limited to the cancellationpenalties in effect on the date the Cause forCancellation arises. It is therefore important that Youcancel Your travel arrangements with Your travelsupplier as soon as the Cause for Cancellation arises.Also, You must immediately advise Scotia Assist assoon as a Cause for Cancellation arises.You will be reimbursed for any Rescheduling Expenseswhich are not refundable or reimbursable in anymanner if, prior to Your scheduled departure, anInsured Person chooses to reschedule a Trip due to oneof the following covered Causes for Cancellation.The amount payable is the lesser of the ReschedulingExpenses and the amount that would have been paidunder this Certificate if the Trip had been cancelledoutright. Your rescheduled trip will be considered anew Trip under this Certificate and the Pre-existingCondition period will be measured from the date thenew Trip was booked.

Covered Causes for Cancellation (first occurringafter Your Trip was booked) mean the following:Medical Covered Causes for Cancellation:a) death of an Insured Person, a Travelling Companion,

an Insured Person’s Immediate Family Member or aTravelling Companion’s Immediate Family Memberoccurring after the Trip is booked and within 31days prior to the scheduled Trip departure date;

b) accidental bodily injury or sudden and unexpectedsickness of an Insured Person or TravellingCompanion, which did not result from a Pre-existingCondition and which prevents the Insured Person orTravelling Companion from starting the Trip. ADoctor must substantiate in writing that prior to thescheduled Trip departure date, he or she advised theInsured Person or Travelling Companion to cancelthe Trip or that the accidental bodily injury orsickness made it impossible for the Insured Personor Travelling Companion to start the Trip;

c) Hospitalization due to an accidental bodily injury ora sudden and unexpected sickness of an InsuredPerson’s Immediate Family Member or a TravellingCompanion’s Immediate Family Member scheduledto occur during the Trip which did not result from aPre-Existing condition and which was not known tothe Insured Person or Travelling Companion prior tobooking the Trip;

d) Hospitalization of an Insured Person’s ImmediateFamily Member or a Travelling Companion’sImmediate Family Member, which did not resultfrom a Pre-existing Condition, occurring after theTrip was booked and within 31 days prior to theTrip departure date

e) Hospitalization or death of an Insured Person’s Legal

50

Business Partner or Key Employee or of a TravellingCompanion’s Legal Business Partner or KeyEmployee occurring after the Trip was booked; and;

f) Hospitalization or death of an Insured Person’s hostor a Travelling Companion’s host at destinationoccurring after the Trip was booked.

Non-Medical Covered Causes for Cancellationa) an enforceable call of an Insured Person to jury duty

or sudden and unexpected subpoena of an InsuredPerson to act as a witness in a court of law requiringthe Insured Person’s presence in court during theTrip;

b) a written formal notice issued by the Department ofForeign Affairs and International Trade of theCanadian government after booking Your Trip,advising Canadians not to travel to a country, regionor city originally ticketed for the Trip for a periodthat includes an Insured Person’s Trip;

c) an employment transfer of the Insured Person bythe employer with whom the Insured Person wasemployed on the date the Insured Person bookedhis or her Trip, which transfer requires the relocationof the Insured Person’s principal residence within 30days before the Insured Person’s scheduled Tripdeparture date;

d) a delay causing an Insured Person to miss aconnection for a Common Carrier or resulting in theinterruption of an Insured Person’s travelarrangements, including the following:(i) delay of an Insured Person’s Common Carrier

resulting from the mechanical failure of thatcarrier;

(ii) a traffic accident or an emergencypolice-directed road closure (either must be

substantiated by a police report);(iii) weather conditions; or(iv) unexpected or unforeseen earthquake of

volcanic eruption.The outright cancellation of Common Carrier travelis not considered a delay. The benefit under thisCause for Cancellation is the Insured Person’sone-way economy fare via the most costeffectiveroute to the Insured Person’s next destination;

e) a natural disaster that renders an Insured Person’sprincipal residence uninhabitable;

f) an Insured Person’s quarantine or hijacking; and

g) a call to service of an Insured Person by governmentwith respect to reservists, military, police or firepersonnel.

As soon as a covered Cause for Cancellation occurs,the Insured Person must cancel the Trip and You mustnotify Scotia Assist at 1 877 391-7507 from within

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Canada and the United States, or 416-572-3636 locallyor collect from other countries within 48 hours of thetime the covered Cause for Cancellation arose.4. TRIP INTERRUPTION BENEFITSYou will be reimbursed for:

a) the lesser of the additional charges paid by You fora change in ticketing or the cost of a one-wayeconomy fare to return to point of departure; and

b) the amount of the unused portion of any EligibleExpenses which are not refundable or reimbursable,excluding the cost of pre-paid, unused returntransportation if, as a result of one of the followingcovered Causes for Interruption occurring during theTrip, an Insured Person is prevented from continuingthe Trip or is unable to return on the original Tripreturn date. The amount payable is subject to amaximum limit of $2,500 per Insured Person and$10,000 per Trip for all Insured Persons on the sameTrip. You must immediately advise Scotia Assist assoon as a Cause for Interruption arises.

Covered Causes for Interruption mean thefollowing:Medical Covered Causes for Interruption:a) death of an Insured Person, a Travelling Companion,

an Insured Person’s Immediate Family Member orTravelling Companion’s Immediate Family Memberduring the Trip;

b) accidental bodily injury or sudden and unexpectedsickness of an Insured Person or TravellingCompanion, which did not result from a Pre-existingCondition and which, in the sole opinion of ScotiaAssist, based on medical advice provided by theattending Doctor, requires immediate medicalattention and prevents the Insured Person orTravelling Companion from returning from the Tripon the scheduled return date;

c) accidental bodily injury or a sudden and unexpectedsickness requiring Hospitalization of an InsuredPerson’s Immediate Family Member or a TravellingCompanion’s Immediate Family Member during theTrip, which did not result from a Pre-existingCondition and which was not known to the InsuredPerson or Travelling Companion prior to the Tripdeparture date;

d) Hospitalization or death of an Insured Person’s LegalBusiness Partner or Key Employee or a TravellingCompanion’s Legal Business Partner or KeyEmployee which occurred during the Trip; and

e) Hospitalization or death of an Insured Person’s hostor a Travelling Companion’s host at destinationwhich occurred during the Trip.

Non-Medical Covered Causes for Interruptiona) a written formal notice issued by the Department of

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Foreign Affairs and International Trade of theCanadian government during the Trip, advisingCanadians not to travel to a country, region or cityoriginally ticketed for the Trip for a period thatincludes an Insured Person’s Trip;

b) a delay causing an Insured Person to miss aconnection for a Common Carrier or resulting in theinterruption of an Insured Person’s travelarrangements including the following:(i) delay of an Insured Person’s Common Carrier

resulting from the mechanical failure of thatcarrier;

(ii) a traffic accident or an emergencypolice-directed road closure (either must besubstantiated by a police report);

(iii) weather conditions; or(iv) unexpected or unforeseen earthquake or

volcanic eruption.The outright cancellation of Common Carrier travelis not considered a delay. The benefit under thisCause for Interruption is the Insured Person’sone-way economy fare via the most costeffectiveroute to the Insured Person’s next destination;

c) a natural disaster that renders an Insured Person’sprincipal residence uninhabitable;

d) An Insured Person’s quarantine or hijacking; and

e) a call to service of an Insured Person by governmentwith respect to reservists, military, police or firepersonnel.

As soon as a Cause for Interruption occurs, You mustnotify Scotia Assist at 1 877 391-7507 from withinCanada and the United States, or 416-572-3636 locallyor collect from other countries. They will assist You inmaking the necessary arrangements to return.

5. LIMITATIONS AND EXCLUSIONSOnly one (1) Travelling Companion is covered on eachTrip.No benefits are payable in respect of any Tripcancellation or Trip interruption resulting directly orindirectly from:

a) cancellation of a Trip for any reason other than aCause for Cancellation;

b) interruption of a Trip for any reason other than aCause for Interruption;

c) a Pre-existing Condition;

d) pregnancy, childbirth and/or related complicationsoccurring within 9 weeks of the expected deliverydate;

e) neo-natal care;

f) intentionally self-inflicted injury, suicide or anyattempt thereat;

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g) illness or accidental injury sustained while under theinfluence of drugs, medication, alcohol or otherintoxicants;

h) participation in a criminal offence;

i) acts of terrorism, insurrection or war, whetherdeclared or undeclared;

j) voluntary participation in a riot or civil commotion;or

k) participation in professional sports, speed contests,dangerous sports or events.

Please note: The Policy will only cover any excess costover and above the travel rewards provided by anyreward or frequent flyer plan. This Policy does notcover the value of the loss of any rewards or frequentflyer plan points, except Scotia Rewards points.

6. CLAIMS PROCEDURESYou must call Scotia Assist at 1 877 391-7507 fromwithin Canada and the United States, or416-572-3636 locally or collect from other countries toobtain a claim form. You will be required to submit acompleted claim form and provide documentation tosubstantiate Your claim, including the following:

a) original tickets (including any unused coupons),original vouchers, original itinerary, invoices, andreceipts;

b) Scotiabank Gold American Express Card monthlystatement of account and any other documentationnecessary to confirm that the costs of EligibleExpenses were charged to Your Account;

c) proof satisfactory to Scotia Assist that thecancellation or interruption of the Trip resulted froma covered Cause for Cancellation or Interruption;

d) name, address and phone number of the InsuredPerson’s employer; and

e) name, address and policy numbers for all otherinsurance coverage You and/or the Insured Personmay have, including health insurance and credit cardcoverage (whether group or individual).

Claims submitted with incomplete or insufficientdocumentation may not be paid.

7. GENERAL PROVISIONS AND STATUTORYCONDITIONS

Unless otherwise expressly provided herein or in thePolicy, the following general provisions apply to thebenefits described in this Certificate of Insurance.

Due Diligence: The Insured Person shall use diligenceand do all things reasonable to avoid or diminish anyloss under the Policy.

Notice and Proof of Claim: Immediately afterlearning of a loss or an occurrence which may lead to aloss covered under the Policy, notify Scotia Assist by

54

calling 1 877 391-7507 from within Canada and theUnited States, or by calling 416-572-3636 locally orcollect from other countries. The claimant will then besent a claim form.Written notice of claim must be given to Scotia Assistas soon as reasonably possible after a Cause forCancellation or Interruption occurs, but in no eventlater than 90 days from the date on which the Causefor Cancellation or Interruption occurred. Writtennotice given by or on behalf of the claimant or thebeneficiary, with information sufficient to identify theCardmember, shall be deemed notice of claim. Failureto provide notice or furnish proof of claim within thetime prescribed herein does not invalidate the claim ifthe notice or proof is given or furnished as soon asreasonably possible, and in no event later than 1 yearfrom the date a claim arises hereunder, if it is shownthat it was not reasonably possible to give notice orfurnish proof within the time so prescribed. If thenotice or proof is given or furnished after 1 year, Yourclaim will not be paid.

Payment of Claim: Benefits payable under the Policywill be paid upon receipt of full written proof, asdetermined by Scotia Assist.

Subrogation: Following payment of an InsuredPerson’s claim for loss or damage under the Policy, theInsurer shall be subrogated to the extent of theamount of such payment, to all of the rights andremedies of the Insured Person against any party inrespect of such loss or damage, and shall be entitled atits own expense to sue in the Insured Person’s name.The Insured Person shall give the Insurer all suchassistance as the Insurer may reasonably require tosecure its rights and remedies, including the executionof all documents necessary to enable the Insurer tobring suit in the name of the Insured Person.

Termination of Insurance: Coverage in respect of anInsured Person ends on the earliest of the followingdates:

a) the date the Account is cancelled, closed or ceasesto be in Good Standing;

b) the date the Insured Person ceases to be eligible forcoverage; and

c) the date the Policy terminates.

No benefits will be paid under the Policy for lossesincurred after coverage has terminated, unlessotherwise specified or agreed.

Legal Action: Every action or proceeding against aninsurer for the recovery of insurance money payableunder the contract is absolutely barred unlesscommenced within the time set out in the InsuranceAct, Limitations Act or other applicable legislation inYour province or territory.

55

False Claim: If You make a claim knowing it to befalse or fraudulent in any respect, You will not beentitled to the benefit of coverage under the Policy,nor to the payment of any claim made under thePolicy.

If You Have a Concern or Complaint: If You have aconcern or complaint about Your coverage, please callthe Insurer at 1-877-391-7507 or the Policyholder at1-800-472-6842. The Insurer will do its best to resolveYour concern or complaint. If for some reason theInsurer is unable to do so to Your satisfaction, Youmay pursue the concern or complaint in writing to anindependent external organization. You may alsoobtain detailed information for the Insurer’s resolutionprocess and the external recourse either by calling theInsurer at the number listed above or at:www.assurantsolutions.ca/consumer-assistance.

Privacy: The Insurer may collect, use, and sharepersonal information provided by You to the Insurer,and obtained from others with Your consent, or asrequired or permitted by law. The Insurer may use theinformation to: serve You as a customer andcommunicate with You. The Insurer may process andstore Your information in another country, which maybe subject to access by government authorities underapplicable laws of that country. You may obtain a copyof the Insurer’s privacy policy by calling1-888-778-8023 or from their website:www.assurantsolutions.ca/privacy. If You have anyquestions or concerns regarding the privacy policy orYour options for refusing or withdrawing this consent,You may call the Insurer at the number listed above.

® American Express is a registered trademark of American Express.This credit card program is issued and administered by The Bank of Nova Scotiaunder license from American Express.

®* Registered Trademarks of The Bank of Nova Scotia.

Certificate of Common Carrier TravelAccident InsuranceAmended and Restated Effective July 24, 2018

This Certificate of Insurance contains a clausewhich may limit the amount payable.Additionally, this Certificate of Insurancecontains a provision removing or restricting theright of the Insured Person to designate personsto whom or for whose benefit insurance moneyis payable.

56

This Certificate of Insurance contains informationabout your insurance. Please read it carefully and keepit in a safe place. Refer to the Definitions section or tothe applicable description of benefits and theparagraph following this one for the meanings of allcapitalized terms.The coverage outlined in this Certificate of Insurance iseffective May 1, 2014, and is provided to eligibleScotiabank®* Gold American Express®

Cardmembers by American Bankers Life AssuranceCompany of Florida (hereinafter referred to as the“Insurer”) under Group Policy No. BNS112000(hereinafter referred to as the “Policy”) issued by theInsurer to The Bank of Nova Scotia (hereinafterreferred to as the “Policyholder”). You, or a personmaking a claim under this Certificate may request acopy of the Policy by writing to the Insurer at theaddress shown below.The terms, conditions and provisions of the Policy aresummarized in this Certificate of Insurance, which isincorporated into and forms part of the Policy. Allbenefits are subject in every respect to the Policy,which alone constitutes the agreement under whichbenefits will be provided. You or a person making aclaim under this Certificate may request a copy of thePolicy and/or copy of Your application for thisinsurance (if applicable) by writing to the Insurer at theaddress shown below.Claim payment and administrative services under thePolicy are arranged by the Insurer. The Insurer’sCanadian head office is located at 5000 Yonge Street,Suite 2000, Toronto, Ontario M2N 7E9.In no event will a corporation, partnership or businessentity be eligible for the insurance coverage providedby this Certificate of Insurance.

This Certificate contains a clause which may limitthe amount payable.1. DEFINITIONSAccidental Bodily Injury means an accidental bodilyinjury which is the direct source of a Loss, and isindependent of disease, bodily infirmity or other cause.

Account means the unexpired, unrevoked ScotiabankGold American Express Card account of aCardmember.

Cardmember means the primary cardholder under aScotiabank Gold American Express Card Accountand any additional Cardmember whose name isembossed on the card. The Cardmember may bereferred to as “You” or “Your”.

Common Carrier means any land, air or waterconveyance which is licensed to carry passengers forcompensation or hire or reward and which undertakes

57

to carry all persons indifferently who may apply forpassage, so long as there is room and there is no legalexcuse for refusal.

Dependent Children means Your unmarried natural,adopted or step-children who are dependent on Youfor maintenance and support and who are eitherunder 21 years of age, or under 25 years of age and infull-time attendance at a recognized institution ofhigher learning in Canada. Dependent Child(ren) alsoincludes children 21 years of age or over who arepermanently mentally or physically challenged andincapable of self-support.

Dollars and $ means Canadian dollars

Insured Person means a Cardmember and his/herSpouse and Dependent Children when their fare ischarged to Your Account.

Loss means:

a) With respect to life, Accidental Bodily Injury causingdeath.

b) With respect to sight, speech or hearing, AccidentalBodily Injury causing entire and irrecoverable loss ofsight, speech or hearing.

c) With respect to a hand, Accidental Bodily Injurycausing actual severance of the entire four fingersof the same hand at or above the knuckle joints.

d) With respect to a foot, Accidental Bodily Injurycausing actual severance of a foot at or above theankle joint.

Occupying means in or upon, or boarding or alightingfrom a Common Carrier.

Spouse means the person who is legally married to theCardmember or the person who has been living withthe Cardmember for a continuous period of at leastone year and is publicly represented as theCardmember’s Spouse.

Ticket means evidence of fare paid for travel on aCommon Carrier, at least 75% of the cost of whichhas been charged to Your Account.

Total and Permanent Disability or Totally andPermanently Disabled means that the Insured Personis continuously and totally disabled and will, in theopinion of a licensed physician, never be able to begainfully employed in an occupation for which theInsured Person is qualified, or could be qualified, byreason of education, training, experience or skill.

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† Loss of Life Benefits are paid to the beneficiarydesignated by the Insured Person; if not designatedthey are paid to the first surviving class in the followingorder: the Insured Person’s Spouse; in equal share tothe Insured Person’s surviving children; in equal shareto the Insured Person’s surviving parents; in equalshares to the Insured Person’s siblings; to the InsuredPerson’s Estate. All other benefits are payable to theInsured Person.†† Benefits are payable when an Insured Person hasbeen Totally and Permanently Disabled for a period of365 consecutive days.The maximum benefit payable is $1,000,000 for Lossresulting from any one occurrence.If more than one of the described Losses is sustainedby an Insured Person, then the total benefit payablefrom one accident is limited to the greatest amountpayable for any one of the Losses sustained.In no event does possession of multiple certificates orScotiabank Gold American Express Accounts entitlean Insured Person to benefits in excess of those statedherein for any one Loss sustained.

3. COVERAGEBenefits are payable when an Insured Person sustains aLoss as a result of occupying a Common Carrier while

2. BENEFITThe Policy provides benefits to Insured Personsaccording to the following schedule:

Amount of Benefit

Accidental Loss of:Cardmemberor Spouse

DependentChild(ren)

Life† $500,000 $50,000

Total and PermanentDisability†† $500,000 $500,000

Both hands or bothfeet $500,000 $500,000

One foot or one handand the entire sight ofone eye $500,000 $500,000

Sight of both eyes $500,000 $500,000

One hand and one foot $500,000 $500,000

Speech and hearing $500,000 $500,000

One hand or one foot $250,000 $250,000

Sight of one eye $250,000 $250,000

Speech $250,000 $250,000

Hearing $250,000 $250,000

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coverage is in force. Coverage is in force when anInsured Person uses a Common Carrier to:

a) Travel directly to the point-of-departure terminalfor the trip shown on the Ticket.

b) Make the trip as shown on the Ticket.

c) Travel directly from the point-of-arrival terminal forthe trip shown on the Ticket to the nextdestination.

d) Coverage is also in force while the Insured Personis at a travel terminal immediately prior to orfollowing the trip evidenced by the Ticket.

4. TERMINATION OF INSURANCEThis coverage terminates on the earliest of thefollowing:

a) When coverage is no longer in force as describedabove.

b) When your Account is closed.

c) When the Policy is cancelled.

5. EXPOSURE AND DISAPPEARANCELoss resulting from unavoidable exposure to theelements and arising out of the hazards describedabove shall be covered to the extent of the benefitsafforded the Cardmember.If the body of the Cardmember has not been foundwithin one year of the disappearance, stranding,sinking or wrecking of any vehicle in which theCardmember was insured hereunder as an occupant,then it shall be presumed, subject to all other terms ofthe policy, that the Cardmember has suffered loss oflife covered under this policy.

6. EXCLUSIONS AND LIMITATIONS

The Policy does not cover any loss caused by orresulting from:

a) Intentionally self-inflicted injuries.

b) Suicide or attempted suicide, whether sane orinsane.

c) Illness or disease.

d) Normal pregnancy or resulting childbirth ormiscarriages.

e) Bacterial infection except bacterial infection of anAccidental Bodily Injury, or if death results from theaccidental ingestion of a substance contaminated bybacteria.

f) A declared or undeclared war. Declared orundeclared war does not include acts of terrorism.

g) Accident occurring while a passenger on, oroperating or learning to operate, or serving as amember of the crew of any aircraft except asprovided on this certificate.

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7. MAKING A CLAIMIn the event of a claim, notify the Insurer by calling1-877-391-7507. If possible, notice should be givenwithin 90 days of the occurrence of a Loss.Notice must include the name of the Insured Personwho sustained the Loss, the Account number to whichthe cost of the Ticket was charged, and the name andaddress of the person (acting on behalf of the InsuredPerson if necessary) to whom claim forms should besent.If claim forms for providing Proof of Loss are notreceived within 15 days of giving notice of the claim,Proof of Loss may be provided by giving the Insurer awritten statement of the nature and extent of theLoss.Proof of Loss, whether it be a complete claim form orotherwise, must be given to the Insurer as soon asreasonably possible. The Insurer, at its expense, has theright to have the Insured Person examined as often asreasonably necessary while a claim is pending. TheInsurer may also have an autopsy performed unlessprohibited by law.

8. LEGAL ACTIONEvery action or proceeding against an insurer for therecovery of insurance money payable under thecontract is absolutely barred unless commenced withinthe time set out in the Insurance Act, Limitations Actor other applicable legislation in Your province orterritory.

9. IF YOU HAVE A CONCERN OR COMPLAINTIf You have a concern or complaint about Yourcoverage, please call the Insurer at 1-800-263-0997 orthe Policyholder at 1-800-472-6842. The Insurer willdo its best to resolve Your concern or complaint. If forsome reason the Insurer is unable to do so to Yoursatisfaction, You may pursue the concern or complaintin writing to an independent external organization.You may also obtain detailed information for theInsurer’s resolution process and the external recourseeither by calling the Insurer at the number listed aboveor at:www.assurantsolutions.ca/consumer-assistance.

10. PRIVACYThe Insurer may collect, use, and share personalinformation provided by You to the Insurer, andobtained from others with Your consent, or asrequired or permitted by law. The Insurer may use theinformation to: serve You as a customer andcommunicate with You. The Insurer may process andstore Your information in another country, which maybe subject to access by government authorities underapplicable laws of that country. You may obtain a copyof the Insurer’s privacy policy by calling

61

1-888-778-8023 or from their website:www.assurantsolutions.ca/privacy. If You have anyquestions or concerns regarding the privacy policy orYour options for refusing or withdrawing this consent,You may call the Insurer at the number listed above.Program management is provided by:

CSI Brokers Inc.1 Yonge Street, Suite 1801Toronto, Ontario, M5E 1W7

® American Express is a registered trademark of American Express.This credit card program is issued and administered by The Bank of Nova Scotiaunder license from American Express.

®* Registered Trademarks of The Bank of Nova Scotia.

Price Protection ServiceTerms and ConditionsAmended and Restated Effective July 24, 2018

This document contains information about yourservice. Please read it carefully and keep it in a safeplace. Refer to the Definitions section or to theapplicable description of services and the paragraphfollowing this one for the meanings of all capitalizedterms.The coverage outlined in this document is effective asof July 16, 2012, and is provided to eligibleScotiabank®* Gold American Express®

Cardmembers by American Bankers InsuranceCompany of Florida (hereinafter referred to as the“American Bankers”) under Group Policy No.BNS122000 (hereinafter referred to as the “Policy”)which provides both insurance coverages andnon-insurance services such as this coverage issued byAmerican Bankers to The Bank of Nova Scotia(hereinafter referred to as the “Policyholder”).The terms, conditions and provisions of the Policy aresummarized in this document, which is incorporatedinto and forms part of the Policy. All payments aresubject in every respect to the Policy, which aloneconstitutes the agreement under which payments willbe provided.American Banker’s Canadian head office is located at5000 Yonge Street, Suite 2000, Toronto, OntarioM2N 7E9.Payment and administrative services are provided byScotia Assist.In no event will a corporation, partnership or businessentity be eligible for the coverage provided by thisdocument.1. DEFINITIONSIn these Terms and Conditions, the following words orphrases have the meanings set forth below:

62

Account means the Primary Cardmember’sScotiabank Gold American Express Card, whichmust be in Good Standing with the Policyholder.

Card means either the Scotiabank Gold AmericanExpress Card.

Cardmember means the Primary Cardmember andany supplemental Cardmember who is a naturalperson resident in Canada to whom a Card is issuedand whose name is embossed on the Card. TheCardmember may be referred to as “You” or “Your”.

Dollars and $ means Canadian dollars.

Good Standing means, with respect to an Account,that the Primary Cardmember has not advised thePolicyholder to close it or the Policyholder has notsuspended or revoked credit privileges or otherwiseclosed the Account.

Primary Cardmember means the principal applicantfor an Account who is a natural person resident inCanada to whom a Card is issued by the Policyholder.

Scotia Assist means American Bankers in relation topayments and administrative services.

2. SERVICESPrice Protection is available only to the Cardmember.No other person or entity shall have any right, remedyor claim, legal or equitable, to the payments.Price Protection coverage is in effect for 60 days fromthe date of purchase of most new items of personalproperty purchased in Canada and charged in full tothe Account, subject to the Limitations and Exclusionsbelow. If, within 60 days of the purchase of an eligibleitem, You find an identical item offered for retail salein Canada at a price lower than the price You paid,Scotia Assist will, subject to the Limitations andExclusions below, pay You the price difference.This payment is based on the price of the item beforeapplicable taxes, manufacturer’s rebate, store rebates,and shipping and installation charges.No Price Protection Service payments will be made forprice differences of less than $10 per item and themaximum payment will be $100 per item up to amaximum of $500 per Account per calendar year. ThePrice Protection Service will apply to a maximum of 3identical items during the 60-day period. No item canbe submitted for Price Protection payment more thanonce during the 60-day period.

3. LIMITATIONS AND EXCLUSIONSPrice Protection is not available in respect of thefollowing:(i) travellers cheques, cash (whether paper or coin),

bullion, precious metals, tickets, documents,

63

stamps, negotiable instruments or property of asimilar nature;

(ii) animals, living plants or perishables such as food,liquor and/or goods consumed in use;

(iii) computers (including hardware, software, printersand scanners), cellular phones, personal digitalassistants (PDA) or any similar electronic device;

(iv) automobiles, motorboats, airplanes, motorcycles,motorscooters, riding lawn mowers, golf carts,lawn tractors or any other motorized vehicles(except for miniature electrically powered vehiclesintended for recreational use by children) or any oftheir respective parts, fuels or accessories;

(v) one-of-a-kind items;

(vi) used or previously owned or refurbished items,including antiques, collectibles and fine art;

(vii) items purchased and/or used by or for a businessor for commercial gain; or

(viii) services related to items purchased, includinginsurance, duty, delivery and transportation costs.

The Price Protection Service does not apply if theretailer makes a price adjustment and/or refunds thedifference between the original and lower price. Pricecomparisons with liquidated merchandise, grey market(internet) items and gift card or savings card incentivesissued by a retailer are not eligible for Price ProtectionService coverage.You are only eligible for the Price Protection Service ifthe Account is in Good Standing at the time of Yourrequest.

4. GIFTS

Eligible items that You give as gifts are covered. In theevent a price difference is discovered, You, not therecipient of the gift, must make the request forpayment.

5. REQUEST FOR PAYMENT PROCEDURESYou must keep original receipts and other documentsdescribed herein to file a valid request.You must notifyScotia Assist by calling 1 877 391-7507 or416-572-3636, between 8:00 am and 8:00 pm, ET,Monday through Friday, as soon as You discover theadvertised price difference.Scotia Assist will send You the applicable request form.Your failure to provide to Scotia Assist the completedrequest form and proof supporting Your request underitems (i) – (iii) below within 90 days from the date ofpurchase may result in non-payment of the relatedrequest.You must complete and sign the request form andinclude the following:

64

(i) the customer copy of the original vendor’s salesreceipt;

(ii) the Account statement showing the charge; and

(iii) a dated advertisement/flyer to prove that theidentical item was offered in Canada at thereduced price within 60 days of the date of Yourpurchase.

A request for payment under the Policy will be paidupon receipt of full written proof, as determined byScotia Assist.

6. TERMINATION OF COVERAGECoverage ends on the earliest of:

(i) the date the Account is cancelled, closed or ceasesto be in Good Standing;

(ii) the date the Cardmember ceases to be eligible forcoverage; and

(iii) the date the Policy terminates.

No coverage will be provided for items purchased aftercoverage ends.

7. IF YOU HAVE A COMPLAINT OR INQUIRYIf You have a concern or complaint about Yourcoverage, please call American Bankers at1-877-711-8286 or the Policyholder at1-800-472-6842. American Bankers will do its best toresolve Your concern or complaint. If for some reasonAmerican Bankers is unable to do so to Yoursatisfaction, You may pursue the concern or complaintin writing to an independent external organization.You may also obtain detailed information for AmericanBankers' resolution process and the external recourseeither by calling American Bankers at the number listedabove or at:www.assurantsolutions.ca/consumer-assistance.

8) PRIVACYAmerican Bankers may collect, use, and share personalinformation provided by You to American Bankers, andobtained from others with Your consent, or asrequired or permitted by law. American Bankers mayuse the information to: serve You as a customer andcommunicate with You. American Bankers mayprocess and store Your information in another country,which may be subject to access by governmentauthorities under applicable laws of that country. Youmay obtain a copy of the American Bankers' privacypolicy by calling 1-888-778-8023 or from theirwebsite: www.assurantsolutions.ca/privacy. If Youhave any questions or concerns regarding the privacypolicy or Your options for refusing or withdrawing thisconsent, You may call American Bankers at thenumber listed above.

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Price Protection Service is not an insurance benefit andmay be discontinued or amended upon notice to theCardmember.

® American Express is a registered trademark of American Express.This credit card program is issued and administered by The Bank of Nova Scotiaunder license from American Express.

®* Registered Trademarks of The Bank of Nova Scotia.

Travel Emergency MedicalCertificate of InsuranceAMENDED AND RESTATED: Effective July 24, 2018

This Certificate of Insurance contains a clausewhich may limit the amount payable.Additionally, this Certificate of Insurancecontains a provision removing or restricting theright of the Insured Person to designate personsto whom or for whose benefit insurance moneyis payable.

Coverage is provided for the first 25 consecutive daysfor Insured Persons under 65 years of age and for thefirst 10 consecutive days for Insured Persons 65 yearsof age or older.This Certificate of Insurance contains informationabout your insurance. Please read it carefully and keepit in a safe place. Refer to the Definitions section or tothe applicable description of benefits and theparagraph following this one for the meanings of allcapitalized terms.The coverage outlined in this Certificate of Insurance iseffective as of May 1, 2014, and is provided to eligibleScotiabank®* Gold American Express®

Cardmembers. Travel Emergency Medical Insurance isunderwritten by American Bankers Life AssuranceCompany of Florida, except for travel in Cuba which isunderwritten by Zurich Insurance Company Ltd(hereinafter collectively referred to as the “Insurer”),under Group Policy Numbers BNS112000 and8697200 (hereinafter collectively referred to as the“Policy”) issued by the Insurer to The Bank of NovaScotia (hereinafter referred to as the “Policyholder”).The terms, conditions and provisions of the Policy aresummarized in this Certificate of Insurance, which isincorporated into and forms part of the Policy. Allbenefits are subject in every respect to the Policy,which alone constitutes the agreement under whichbenefits will be provided. You or a person making aclaim under this Certificate may request a copy of thePolicy and/or copy of your application for this insurance(if applicable) by writing to the Insurer at the addressshown below.

66

American Bankers Life Assurance Company of Florida’sCanadian head office is located at 5000 Yonge Street,Suite 2000, Toronto, Ontario M2N 7E9. ZurichInsurance Company Ltd’s Canadian head office islocated at 100 King Street West, Suite 5500, Toronto,Ontario M5X 1C9.Claim payment and administrative services arearranged by the Insurer. The administrator for claimpayment and administrative services is World TravelProtection Canada Inc. (hereinafter referred to as“Scotia Assist”).In no event will a corporation, partnership or businessentity be eligible for the insurance coverage providedby this Certificate of Insurance.

1. DEFINITIONSIn this Certificate of Insurance, the following words orphrases have the meanings set forth below:Account means the Primary Cardmember’sScotiabank Gold American Express Card Account,which must be in Good Standing with the Policyholder.

Cardmember means the Primary Cardmember. TheCardmember may be referred to as “You” or “Your”.

Dependent Children means Your unmarried natural,adopted or step-children who are dependent on Youfor maintenance and support and who are eitherunder 21 years of age, or under 25 years of age and infull-time attendance at a recognized institution ofhigher learning in Canada. Dependent Child(ren) alsoincludes children 21 years of age or over who arepermanently mentally or physically challenged andincapable of self-support.

Doctor means a physician or surgeon who isregistered or licensed to practice medicine in thejurisdiction where the medical treatment or service isprovided, and who is not related by blood or bymarriage to the Insured Person to whom the service isrendered.Dollars and $ means Canadian dollars.

Emergency Medical Treatment means treatmentnecessary for the immediate relief of a MedicalEmergency.

GHIP means the Government Health Insurance Plan ofan Insured Person’s province or territory of residence inCanada.Good Standing means, with respect to an Account,that the Primary Cardmember has not advised thePolicyholder to close it or the Policyholder has notsuspended or revoked credit privileges or otherwiseclosed the Account.

Hospital means an institution which is licensed toprovide, on an inpatient basis, medical care andtreatment of sick and injured persons through medical,diagnostic and major surgical facilities, under thesupervision of a staff of Doctors and with

67

24-hour-a-day service. Hospital does not include anyinstitution or part of an institution which is licensed orused principally as a clinic, a continued care orextended care facility, a convalescent home, a resthome, a nursing home or home for the aged, a healthspa or a treatment centre for drug addiction oralcoholism.

Insured Person means the Primary Cardmemberand/or his or her eligible Spouse and eligibleDependent Children when travelling with the PrimaryCardmember and/or his or her Spouse.

Medical Condition means any illness, injury orsymptom, whether diagnosed or not.

Medical Emergency means an unforeseen illness oraccidental injury which occurs during a Trip and whichrequires immediate medical care or treatment from aDoctor. A Medical Emergency ends when the illness oraccidental injury has been treated such that theInsured Person’s condition has stabilized. Treatmentprovided when medical evidence indicates that anInsured Person could delay treatment or return toCanada for such treatment, is not considered aMedical Emergency and is not covered.

Network means the network of Hospitals, Doctorsand other medical providers with which Scotia Assisthas entered into an agreement to provide EmergencyMedical Treatment under the Policy.

Pre-Existing Condition means any Medical Conditionfor which symptoms appeared or for which an InsuredPerson sought the attention of a Doctor, hadinvestigated, diagnosed or treated, had treatment orfurther investigation recommended, or for whichmedication was prescribed or altered, in the 180 daysprior to the Trip departure date for Insured Personsunder 75 years of age and in the 365 days prior to theTrip departure date for Insured Persons 75 years of ageor older. Age will be measured as of the date ofdeparture for this purpose.A Pre-existing Condition does not include a MedicalCondition which is controlled by the consistent use ofmedications prescribed by a Doctor, provided that,during the 180-day period or 365-day period, asapplicable, before the Insured Person’s departure,there has been no other treatment or investigationrecommended and there has been no change inmedication. A new medication or increase/decrease indosage constitutes a change.Primary Cardmember means the principal applicantfor an Account who is a natural person resident inCanada to whom a Scotiabank Gold AmericanExpress Card is issued by the Policyholder.Reasonable and Customary Charges means chargeswhich do not exceed the general level of charges made

68

by other providers of similar standing in the locality orgeographical area where the charges are incurred,when furnishing comparable treatment, services orsupplies for a similar Medical Emergency.Spouse means the person who is legally married to theCardmember or the person who has been living withthe Cardmember for a continuous period of at leastone year and is publicly represented as theCardmember’s Spouse.Trip means travel outside of Your province or territoryof residence in Canada for a period of 25 consecutivedays or less for Insured Persons under 65 years of ageand 10 consecutive days or less for Insured Persons 65years of age or older. In the event of a claim, You willbe required to submit proof of the date of departure.Only a Medical Emergency occurring during a Trip willbe eligible for consideration.2. ELIGIBILITYFor this coverage, the Cardmember and/or his or herSpouse who is a resident of Canada and covered by aGHIP, is eligible for Travel Emergency Medicalcoverage, provided that Your Account is in GoodStanding. Your Dependent Children are only eligiblefor benefits when travelling with You and/or YourSpouse on a Trip.3. COVERAGE PERIODCoverage Period For Insured Persons under age 65(on the Trip departure date)For the Travel Emergency Medical benefit, only the first25 consecutive days of a Trip, as determined by theoriginally scheduled departure and return dates, will becovered. There is no coverage for that portion of aTrip which extends beyond the first 25 consecutivedays under this Certificate of Insurance. In theevent of a claim, proof of scheduled Trip duration willbe required.Coverage begins at 12:01 a.m. on the date the InsuredPerson leaves his or her province or territory ofresidence in Canada on a Trip. Coverage will terminateon the earliest of the following:

a) the date the Insured Person returns to his or herprovince or territory ofresidence in Canada;

b) the date the Account is cancelled, closed or ceasesto be in Good Standing;

c) the date the Insured Person has been absent formore than 8 consecutive days (including the day ofdeparture and day of return) from his or herprovince or territory of residence in Canada;

d) the date the Insured Person ceases to be eligible forcoverage (for Dependent Children, see theDefinitions section for age limits); or

e) the date the Policy terminates.

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No benefits will be paid under the Policy for lossesincurred after coverage has terminated, unlessotherwise specified or agreed.

Coverage Period For Insured Persons age 65 orolder (on the Trip departure date)For the Travel Emergency Medical benefit, only the first10 consecutive days of a Trip, as determined by theoriginally scheduled departure and return dates, will becovered. There is no coverage for that portion of aTrip which extends beyond the first 10 consecutivedays under this Certificate of Insurance. In theevent of a claim, proof of scheduled Trip duration willbe required.Coverage begins at 12:01 a.m. on the date the InsuredPerson leaves his or her province or territory ofresidence in Canada on a Trip. Coverage will terminateon the earliest of the following:

a) the date the Insured Person returns to his or herprovince or territory of residence in Canada;

b) the date the Account is cancelled, closed or ceasesto be in Good Standing;

c) the date the Insured Person has been absent formore than 10 consecutive days (including the day ofdeparture and day of return) from his or herprovince or territory of residence in Canada;

d) the date the Insured Person ceases to be eligible forcoverage (for Dependent Children, see theDefinitions section for age limits); or

e) the date the Policy terminates.No benefits will be paid under the Policy for lossesincurred after coverage has terminated, unlessotherwise specified or agreed.

4. AUTOMATIC EXTENSION OF COVERAGECoverage will be automatically extended beyond the25-day limit for Insured Persons under 65 years of ageor beyond the 10-day limit for Insured Persons 65 yearsof age or older for up to 3 days following the end of aMedical Emergency.In addition, Travel Emergency Medical Insurancecoverage will also be automatically extended beyondthe 25-day limit for Insured Persons under 65 years ofage or beyond the 10-day limit for Insured Persons 65years of age or older for up to 3 days if an InsuredPerson’s return to his or her province or territory ofresidence in Canada is delayed solely as theresult of:

a) the delayed departure of the bus, train, plane orship on which he or she is booked; or

b) an accident or the mechanical breakdown of anInsured Person’s personal vehicle.

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5. BENEFITSIn the event of a Medical Emergency, Reasonable andCustomary Charges for Emergency Medical Treatmentwill be paid by Scotia Assist, less any amount payableby or reimbursable under a GHIP, any group orindividual health plans or insurance policies. Benefitsare limited to $1,000,000 for each Insured Person,subject to the Limitations and Exclusions. The followingexpenses are eligible for reimbursement:

Hospital Accommodation, Medical Expenses andDoctor Charges for Emergency Medical Treatment.

Private Duty Nursing when prescribed by a Doctor.

Diagnostic Services including laboratory tests andx-rays when prescribed by a Doctor. NOTE: Magneticresonance imaging (MRI), computerized axialtomography (CAT scans), sonograms and ultrasoundmust be authorized in advance by Scotia Assist.

Ambulance Service to the nearest Hospital equippedto provide the required Emergency Medical Treatment.

Emergency Air Transport to the nearest Hospital, orrepatriation to a Hospital in the Insured Person’sprovince or territory of residence in Canada (whenapproved and arranged by Scotia Assist) in the eventthe Insured Person’s condition precludes the use ofother means of transportation.

Prescription Drug Reimbursement excluding anydrugs or medications which are commonly availablewithout prescription, or which are not legallyregistered and approved in Canada or the UnitedStates.

Accidental Dental Care to a maximum of $2,000 fortreatment of natural or permanently installed teeth,necessitated by an accidental blow to the mouth.

Medical Appliances including slings, braces, splints,and local rental of crutches, walkers and wheelchairs.

Return Airfare to cover any additional cost incurredfor a one-way economy fare (less any refunds due onoriginal tickets) and, if required, the charge fortransportation of a stretcher and attending medicalpersonnel to return the Insured Person to his or herprovince or territory of residence in Canada if furthermedical treatment is warranted and when approvedand arranged by Scotia Assist.

Transportation to Bedside from Canada for one of:the Insured Person’s Spouse, a parent, child, brother orsister when the Insured Person is hospitalized andexpected to remain so for 3 days or more. This benefitmust be pre-approved by Scotia Assist. This benefitincludes one round-trip economy airfare, food andaccommodation expenses of $100 per day to amaximum of $1,500. This Travel Emergency Medicalinsurance will be extended, at no charge, for theperson required at bedside for the duration of the

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Medical Emergency.

Vehicle Return cost to a maximum of $1,000 toreturn an Insured Person’s car to his or her province orterritory of residence in Canada, or in the case of arented vehicle, to the nearest appropriate rentallocation, when the Insured Person is unable to returnthe vehicle as a result of a Medical Emergency.

Car Accident Assistance when an Insured Person’svehicle is disabled as a result of an accident during theTrip. A maximum of $200 per day will be paid towardthe cost of accommodation, food, car rental, orcommercial transportation for the time the vehicle isinoperable for a maximum of 3 days immediatelyfollowing the date of the accident.

Return of Deceased when death results from aMedical Emergency, to a maximum of $5,000 for thecost of preparation (including cremation) and transportof the Insured Person (excluding the cost of a burialcoffin or urn) to his or her province or territory ofresidence in Canada.

6. MEDICAL EMERGENCY PROCEDURESWhen a Medical Emergency occurs, You mustcontact Scotia Assist without delay. See Section 7for coverage Limitations.24-hour assistance is available by calling1 877 391-7507 from within Canada and the UnitedStates, or 416-572-3636 locally or collect from othercountries. If calling Scotia Assist from somewhere inthe world where a collect call is not possible, call directand You will be reimbursed.Scotia Assist will confirm coverage, provide directionsto the Network facility or the nearest appropriatemedical facility, provide the necessary authorization ofpayment of eligible expenses and manage the MedicalEmergency. Scotia Assist will make every effort to payor authorize payment of eligible expenses to Hospitals,Doctors, and other medical providers directly. If directpayment or payment authorization is not possible, anInsured Person may be required to make payments. Inthat event, the Insured Person will be reimbursed foreligible expenses on submission of a valid claim.

7. LIMITATIONSFailure to notify Scotia Assist immediately following aMedical Emergency, or as soon as possible under thecircumstances, will limit the benefits payable under thisCertificate of Insurance as follows:• No benefits will be payable for surgery or invasive

procedures (such as cardiac catheterization) withoutprior approval by Scotia Assist, except in extremecircumstances where a request for prior approvalwould delay surgery needed in a life-threateningmedical crisis.

• Non-surgical eligible expenses for which benefits

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would otherwise have been provided will be limitedto 80% of the total, to a maximum of $30,000.

Benefits payable are further limited as follows:

• In consultation with the attending Doctor, ScotiaAssist reserves the right to transfer the InsuredPerson to an appropriate Network facility or to hisor her province or territory of residence in Canadafor Emergency Medical Treatment. Refusal tocomply will absolve the Insurer of any liability forexpenses incurred after the proposed transfer date.

• Once a Medical Emergency ends, no further benefitsare payable for that Medical Emergency or for anyrecurrence of the condition which caused theMedical Emergency.

8. EXCLUSIONSNo benefits are payable for any expenses incurreddirectly or indirectly as a result of:

a) any Pre-existing Condition as defined herein;

b) any Medical Emergency or Emergency MedicalTreatment that occurs other than during a Trip;

c) any elective or non-emergency surgery, treatmentor medication, including ongoing care of a chroniccondition;

d) any Medical Emergency that occurs during a Tripwhere the primary purpose was to work outside ofCanada;

e) pregnancy, childbirth and/or related complicationsoccurring within 9 weeks of the expected deliverydate;

f) neo-natal care;

g) participation in a criminal offence;

h) intentionally self-inflicted injuries, suicide or anyattempt thereat;

i) illness or accidental injury sustained while under theinfluence of drugs, medication, alcohol or otherintoxicants;

j) acts of terrorism, insurrection or war, whetherdeclared or undeclared;

k) voluntary participation in a riot or civil commotion;

l) treatments that are not prescribed by a Doctor; or

m) participation in professional sports, speed contests,dangerous sports or events including recreationalscuba diving (unless the Insured Person holds a basicscuba designation from a certified school orlicensing body).

9. OPTIONAL EXTENSION OF COVERAGEPROCEDURESFor trips that exceed 8 days for Insured Personsunder 65 years of age or for trips that exceed 3days for Insured Persons 65 years of age or older

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Coverage may be extended beyond 25 days for InsuredPersons under 65 years of age or beyond 10 days forInsured Persons 65 years of age or older.For more information or to purchase Travel ExtensionCoverage, please call Scotia Assist at 1 877 391-7507from within Canada prior to the Insured Person’sdeparture from his or her province or territory ofresidence in Canada. You will receive a separatecertificate of insurance for this coverage.The premium for the Scotia Travel Extension Coveragemust be charged to Your Account and must be paid infull by You prior to Your Trip departure date.

10. CLAIM PROCEDURESIf Scotia Assist is notified in advance of medicaltreatment:If Scotia Assist authorizes Hospital or other medicalpayments on an Insured Person’s behalf, the InsuredPerson must sign an authorization form allowing ScotiaAssist to recover payments from his or her GHIP, otherhealth plans or insurers and return it to Scotia Assistwithin 30 days. If an advance has been made forineligible expenses, You will be required to reimburseScotia Assist.

If Scotia Assist is not notified in advance ofmedical treatment:If eligible expenses are incurred for which payment hasnot been pre-authorized by Scotia Assist, they shouldbe submitted to Scotia Assist with original receipts andpayment statements. Benefits may be excluded orreduced where Scotia Assist has not been contacted inadvance of treatment (see Section 7 for Limitations onbenefit payments).In the event of a claim, You will be required to submita completed claim form and provide documentation tosubstantiate the claim, including the following:

a) the cause and nature of the Medical Conditionrequiring treatment;

b) original, itemized medical invoices;

c) original prescription receipts;

d) Your date of birth and the claimant’s date of birth(proof of age may be required);

e) a photocopy of the Insured Person’s GHIP (Health)card;

f) name, address and phone number of the InsuredPerson’s employer;

g) proof of the Insured Person’s departure and/orreturn date (i.e. copy of tickets, receipts, prepaidaccommodation invoice and gas receipts);

h) name, address and policy numbers for all otherinsurance coverage You and other Insured Personsmay have, including group and individual insurance,credit card coverage and anyother reimbursement

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plans; and

i) signed authorization to obtain any further requiredinformation.

Claims submitted with incomplete or insufficientdocumentation may not be paid.Claim forms can be obtained by calling Scotia Assist at1 877 391-7507 from Canada and the United States or416-572-3636 locally or collect from other countries.

11. GENERAL PROVISIONS AND STATUTORYCONDITIONSUnless otherwise expressly provided herein or in thePolicy, the following general provisions apply to thebenefits described in this Certificate of Insurance.

Due Diligence: The Insured Person shall use diligenceand do all things reasonable to avoid or diminish anyloss under the Policy.

Notice and Proof of Claim: Immediately afterlearning of a loss or an occurrence which may lead to aloss covered under the Policy, notify Scotia Assist bycalling 1 877 391-7507 from within Canada and theUnited States, or by calling 416-572-3636 locally orcollect from other countries. You will then be sent aclaim form.Written notice of claim must be given to Scotia Assistas soon as reasonably possible after the occurrence orcommencement of any loss covered under the Policy,but in no event later than 90 days from the date ofsuch occurrence or commencement. Written noticegiven by or on behalf of the claimant or thebeneficiary, with information sufficient to identify theCardmember, shall be deemed notice of claim.Failure to provide notice or furnish proof of claimwithin the time prescribed herein does not invalidatethe claim if the notice or proof is given or furnished assoon as reasonably possible, and in no event later than1 year from the date a claim arises hereunder, if it isshown that it was not reasonably possible to givenotice or furnish proof within the time so prescribed. Ifthe notice or proof is given or furnished after 1 year,Your claim will not be paid.

Payment of Claim: Benefits payable under the Policywill be paid upon receipt of full written proof, asdetermined by Scotia Assist.

Subrogation: Following payment of an InsuredPerson’s claim for loss or damage under the Policy, theInsurer shall be subrogated to the extent of theamount of such payment, to all of the rights andremedies of the Insured Person against any party inrespect of such loss or damage, and shall be entitled atits own expense to sue in the Insured Person’s name.The Insured Person shall give the Insurer all suchassistance as the Insurer may reasonably require tosecure its rights and remedies, including the execution

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of all documents necessary to enable the Insurer tobring suit in the name of the Insured Person.

Termination of Insurance: Coverage in respect of anInsured Person ends on the earliest of the followingdates:

a) the date the Account is cancelled, closed or ceasesto be in Good Standing;

b) the date the Insured Person ceases to be eligible forcoverage; and

c) the date the Policy terminates.

No benefits will be paid under the Policy for lossesincurred after coverage has terminated, unlessotherwise specified or agreed.

Legal Action: Every action or proceeding against aninsurer for the recovery of insurance money payableunder the contract is absolutely barred unlesscommenced within the time set out in the InsuranceAct, Limitations Act or other applicable legislation inYour province or territory.

False Claim: If You make a claim knowing it to befalse or fraudulent in any respect, You will not beentitled to the benefit of coverage under the Policy,nor to the payment of any claim made under thePolicy.

Access to Medical Care: The Insurer, the Policyholderand Scotia Assist are not responsible for the availability,quality or results of any medical treatment ortransport, or for the failure of an Insured Person toobtain medical treatment.

If You Have a Concern or Complaint: If You have aconcern or complaint about Your coverage, please callthe Insurer at 1-877-391-7507 or the Policyholder at1-800-263-0997. The Insurer will do its best to resolveYour concern or complaint. If for some reason theInsurer is unable to do so to Your satisfaction, Youmay pursue the concern or complaint in writing to anindependent external organization. You may alsoobtain detailed information for the Insurer’s resolutionprocess and the external recourse either by calling theInsurer at the number listed above or at:www.assurantsolutions.ca/consumer-assistance.

Privacy: The Insurer may collect, use, and sharepersonal information provided by You to the Insurer,and obtained from others with Your consent, or asrequired or permitted by law. The Insurer may use theinformation to: serve You as a customer andcommunicate with You. The Insurer may process andstore Your information in another country, which maybe subject to access by government authorities underapplicable laws of that country. You may obtain a copy

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Rental Car Collision/Loss DamageCertificate of InsuranceAmended and Restated Effective July 24, 2018

This Certificate of Insurance contains a clause whichmay limit the amount payable.

This Certificate of Insurance contains information aboutyour insurance. Please read it carefully and keep it in a safeplace. Refer to the Definitions section or to the applicabledescription of benefits and the paragraph following thisone for the meanings of all capitalized terms.The coverage outlined in this Certificate of Insurance iseffective as of July 16, 2012, and is provided to eligibleScotiabank®* Gold American Express® Cardmembers byAmerican Bankers Insurance Company of Florida(hereinafter referred to as the “Insurer”) under GroupPolicy No. BNS12200 (hereinafter referred to as the“Policy”) issued by the Insurer to The Bank of Nova Scotia(hereinafter referred to as the “Policyholder”).The terms, conditions and provisions of the Policy aresummarized in this Certificate of Insurance, which isincorporated into and forms part of the Policy. All benefitsare subject in every respect to the Policy, which aloneconstitutes the agreement under which benefits will beprovided. You or a person making a claim under thisCertificate may request a copy of the Policy and/or copy ofyour application for this insurance (if applicable) by writingto the Insurer at the address shown below.The Insurer’s Canadian head office is located at 5000Yonge Street, Suite 2000, Toronto, Ontario M2N 7E9.Claim payment and administrative services are provided byScotia Assist.In no event will a corporation, partnership or businessentity be eligible for the insurance coverage provided bythis Certificate of Insurance.1. DEFINITIONSIn this Certificate of Insurance, the following words orphrases have the meanings set forth below:

of the Insurer’s privacy policy by calling1-888-778-8023 or from their website:www.assurantsolutions.ca/privacy. If You have anyquestions or concerns regarding the privacy policy orYour options for refusing or withdrawing this consent,You may call the Insurer at the number listed above.

® American Express is a registered trademark of American Express.This credit card program is issued and administered by The Bank of Nova Scotiaunder license from American Express.

®* Registered Trademarks of The Bank of Nova Scotia.

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Account means the Primary Cardmember’s ScotiabankGold American Express Card which must be in GoodStanding with the Policyholder.Cardmember means the Primary Cardmember and anysupplemental Cardmember who is a natural person residentin Canada to whom a Card is issued and whose name isembossed on the Card. The Cardmember may also bereferred to herein using “You” and “Your”.Car Sharing means a car rental club that provides itsmembers with 24-hour access to its own fleet of carsparked in a convenient location, and does not includeonline marketplace services which facilitate the rental ofprivately owned cars, or other similar online services.Card means either the Scotiabank Gold AmericanExpress Card.Dollars and “$” means Canadian dollars.Good Standing means, with respect to an Account, thatthe Primary Cardmember has not advised the Policyholderto close it or the Policyholder has not suspended or revokedcredit privileges or otherwise closed the Account.Insured Person means a Cardmember and any otherperson who holds a valid driver’s license and has theCardmember’s express permission to operate the rentalvehicle. This includes drivers not listed on Your rentalcontract, provided they would otherwise qualify under therental contract.Loss of Use means the amount charged by a rental agencyto compensate it when a rental vehicle is unavailable forrental while undergoing repairs for damage incurred duringthe rental period.Primary Cardmember means the principal applicant for anAccount who is a natural person resident in Canada towhom a Card is issued by the Policyholder.

Scotia Assist means the Insurer in relation to claimpayment and administrative services.2. ELIGIBILITYYou are eligible for Rental Car Collision/Loss Damage (CLD)insurance when You rent most private passenger vehiclesfor a period not to exceed 48 consecutive days, providedthat:a) You initiate the rental transaction with Your Card (if

arranged in advance, by booking or reserving thecar rental with Your Card) and by providing a Card

imprint at the time You take possession of the car;

b) You decline the rental agency’s collision damagewaiver (CDW) or loss damage waiver (LDW), orsimilar provision; and

c) You rent the car in Your name and either:i) charge the entire cost of the car rental to Your

Account; or ii) use Your Scotia Rewards®* pointsto pay for all or part of the rental provided that, ifYour Scotia Rewards points do not pay for theentire cost of the car rental, the remaining cost ischarged to Your Account.

Coverage is limited to one rental vehicle at a time, i.e. ifduring the same period there is more than one vehicle

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rental charged to the Account, only the first rental will beeligible for these benefits.The length of time You rent the vehicle must not exceedforty-eight (48) days. If the rental period exceeds 48 days,no coverage will be provided, even for the first 48 days ofthe rental period. Coverage may not be extended for morethan 48 days by renewing or taking out a new rentalagreement with the same or another rental agency for thesame vehicle or another vehicle.In some jurisdictions, the law requires the rental agenciesto provide CDW or LDW in the price of the car rental. Inthese locations, CLD insurance will provide coverage of anydeductible that may apply, provided all the proceduresoutlined in this Certificate have been followed and Youhave waived the rental agency’s deductible waiver. NoCDW or LDW premiums charged by rental agencies will bereimbursed under the Policy.Notes:• Rental vehicles which are part of pre-paid travel

packages are eligible for CLD insurance if the totalpackage was charged to Your Account and all othereligibility requirements are met.

• Rental vehicles which are part of a Car Sharingprogram are eligible for CLD insurance if the fullcost of each rental of a vehicle (per use and mileagecharges) was charged to Your Account and all othereligibility requirements are met. Some Car Sharing planswill include CDW/LDW in their membership fee. If YourCar Sharing membership includes CDW/LDW, then CLDinsurance under this Policy will only provide coverage forany deductible You may be held responsible for,provided all the requirements outlined in this Certificateof Insurance have been met.

• “Free rentals” are also eligible for CLD insurancewhen received as the result of a promotion whereYou have had to make previous vehicle rentals, andeach such previous rental satisfied the eligibilityconditions set out in paragraphs a) through c).

• You are covered if You receive a “free rental” dayor days as a result of an airline point program (orother similar program) for the number of days offree rental. If the free rental day(s) are combinedwith rental days for which You pay the negotiatedrate, You must satisfy the eligibility conditions setout in paragraphs a) through c).

3. BENEFITSCLD insurance is primary insurance which pays the amountfor which You are liable to the rental agency up to theactual cash value of the damaged or stolen vehicle as wellas any valid and documented Loss of Use, reasonable andcustomary towing charges, and administration chargesresulting from damage or theft occurring while the rentalvehicle is rented in Your name. This includes damageresulting from malicious vandalism and theft. Benefits arelimited to one vehicle rental during any one period.This coverage is available on a 24-hour basis anywhere inthe world, except where prohibited by law, or where thecoverage is in violation of the terms of the rental contract

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in the jurisdiction in which it was formed. (See the section“Helpful Hints” for tips on how to avoid having use of thiscoverage challenged.)4. TYPES OF RENTAL VEHICLES COVEREDThe types of rental vehicles covered include cars, sportsutility vehicles and mini-vans (as defined below).Mini-vans are covered provided they:

a) are for private passenger use with seating for nomore than 8 occupants including the driver; and

b) are not to be used for hire by others.

5. TYPES OF RENTAL VEHICLES NOT COVEREDVehicles which belong to the following categories are NOTcovered:a) vans, other than mini-vans as described above;b) trucks, pick-up trucks or any vehicle that can be

spontaneously reconfigured into a pick-up truck;c) off-road vehicles;d) motorcycles, mopeds or motorbikes;e) campers, trailers or recreational vehicles;f) vehicles not licensed for road use;g) mini-buses or buses;h) antique cars (cars which are over 20 years old or have

not been manufactured for 10 years or more);i) any vehicle which is either wholly or in part

hand-made, hand finished or has a limited productionof under 2,500 vehicles per year;

j) any vehicle with a manufacturer’s suggested retailprice excluding all taxes, over sixty-five thousanddollars ($65,000), at the time and place of loss;

k) tax-free cars (a tax-free car package that providestourists with a short-term (17 days to 6 months),tax-free vehicle lease agreement with a guaranteedbuyback);

l) vehicles towing or propelling trailers or any otherobject; and;

m) expensive or exotic vehicles.

6. LIMITATIONS AND EXCLUSIONSCLD insurance does NOT include coverage for:a) a replacement vehicle for which Your personal

automobile insurance or the repair shop is coveringall or part of the cost of the rental;

b) loss or theft of personal belongings in the vehicle;c) third party liability (injury to anyone or anything

inside or outside the vehicle);d) expenses assumed, paid or payable by the rental

agency or its insurers; ore) damage/loss arising directly or indirectly from:

(i) operation of the vehicle by any driver other than anInsured Person;

(ii) operation of the vehicle on other than regularlymaintained roads;

(iii) alcohol intoxication where the driver’s bloodalcohol concentration is equal to or over the blood

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alcohol concentration limit for impaired drivingunder the Criminal Code of Canada or thejurisdiction in which the vehicle rental occurred, iflower, or where the driver is charged for impaireddriving;

(iv) use of narcotic drugs by the driver;(v) any dishonest, fraudulent or criminal act committed

by the Insured Person and/or any authorized driver;(vi) operation of the rental vehicle contrary to the

terms of the rental agreement/contract;(vii) wear and tear, gradual deterioration, or mechanical

breakdown of the vehicle;(viii) road damage to tires unless in conjunction with an

insured cause;(ix) insects or vermin, inherent vice or damage;(x) war, hostile or warlike action, insurrection,

rebellion, revolution, civil war, usurped power, oraction taken by government or public authority inhindering, combating, or defending against suchaction;

(xi) seizure or destruction under quarantine orcustomer regulations, confiscation by order of anygovernment or public authority;

(xii) transportation of contraband or illegal trade;(xiii) transportation of property or passengers for hire; or(xiv) nuclear reaction, radiation or radioactive

contamination.7. HELPFUL HINTSImportant: Check with Your personal insurer and the rentalagency to ensure that You and all other drivers haveadequate personal property, personal injury and third partyliability coverages. The Policy only covers loss or damage tothe rental vehicle as stipulated therein.a) Some rental agencies may resist Your declining their

CDW/LDWcoverage. They may try to encourage You to take theircoverage. If You refuse, they may insist You provide adeposit.Before booking a car, confirm that the rental agency willaccept CLD insurance without requiring a deposit. If theywon’t, find one that will, and try to get writtenconfirmation. If booking your trip through a travelagency, let them know you want to take advantage ofCLD Insurance and have them confirm the rentalagency’s willingness to accept it. You will not becompensated for any payment You may have to make toobtain the rental agency’s CDW/LDW.

b) Check the rental car carefully for scratches, dents andwindshield chips and point out any damage to theagency representative before You take possession of thecar. Have them note the damage on the rentalagreement, or ask for another vehicle.

c) If the vehicle sustains damage of any kind, immediatelyphone Scotia Assist by calling 1 877 391-7507 fromwithin Canada and the United States, or by calling416-572-3636 locally or collect from other countries.

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Advise the rental agent that You have reported theclaim and provide Scotia Assist’s phone number. Do notsign a blank sales draft to cover the damage and Loss ofUse charges.

8. GENERAL PROVISIONS AND STATUTORYCONDITIONS

Unless otherwise expressly provided herein or in the Policy,the following general provisions apply to the benefitsdescribed in this Certificate of Insurance.Due DiligenceThe Insured Person shall use diligence and do all thingsreasonable to avoid or diminish any loss or damage underthe Policy.Notice and Proof of ClaimImmediately after learning of a loss or an occurrence whichmay lead to a loss covered under the Policy, You mustnotify Scotia Assist by calling 1 877 391-7507 from withinCanada and the United States, or by calling 416-572-3636locally or collect from other countries. You will then be senta claim form.Written notice of claim must be given to Scotia Assist assoon as reasonably possible after a claim occurs, but in allevents provided within 90 days from the date on which lossoccurred.Failure to provide notice or furnish proof of claim within thetime prescribed herein does not invalidate the claim if thenotice or proof is given or furnished as soon as reasonablypossible, and in no event later than 1 year from the date aclaim arises hereunder, if it is shown that it was notreasonably possible to give notice or furnish proof withinthe time so prescribed. If the notice or proof is given orfurnished after 1 year, Your claim will not be paid.Payment of ClaimBenefits payable under the Policy will be paid upon receiptof full written proof, as determined by Scotia Assist.SubrogationFollowing payment of an Insured Person’s claim for loss ordamage under the Policy, the Insurer shall be subrogated tothe extent of the amount of such payment, to all of therights and remedies of the Insured Person against any partyin respect of such loss or damage, and shall be entitled atits own expense to sue in the Insured Person’s name. TheInsured Person shall give the Insurer all such assistance asthe Insurer may reasonably require to secure its rights andremedies, including the execution of all documentsnecessary to enable the Insurer to bring suit in the name ofthe Insured Person.Coverage TerminationCoverage under the Policy ends at the earliest of:a) the date and time the rental agency reassumes

control of the rental vehicle, whether at its place ofbusiness or elsewhere;

b) the date the Insured Person ceases to be eligible forcoverage;

c) the date the Account is cancelled or closed or ceasesto be in Good Standing; and

d) the date the Policy terminates.

No benefits will be paid under the Policy for losses incurredafter coverage has terminated, unless otherwise specifiedor agreed.

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False ClaimIf You make any claim knowing it to be false or fraudulentin any respect, You shall no longer be entitled to thebenefits of this insurance nor to the payment of any claimunder the Policy.Legal ActionEvery action or proceeding against an insurer for therecovery of insurance money payable under the contract isabsolutely barred unless commenced within the time setout in the Insurance Act, Limitations Act or other applicablelegislation in Your province or territory.If You Have a Concern or ComplaintIf You have a concern or complaint about Your coverage,please call the Insurer at 1-800-263-0997 or thePolicyholder at 1-800-472-6842. The Insurer will do its bestto resolve Your concern or complaint. If for some reasonthe Insurer is unable to do so to Your satisfaction, You maypursue the concern or complaint in writing to anindependent external organization. You may also obtaindetailed information for the Insurer’s resolution process andthe external recourse either by calling the Insurer at thenumber listed above or at:www.assurantsolutions.ca/consumer-assistance.PrivacyThe Insurer may collect, use, and share personalinformation provided by You to the Insurer, and obtainedfrom others with Your consent, or as required or permittedby law. The Insurer may use the information to: serve Youas a customer and communicate with You. The Insurer mayprocess and store Your information in another country,which may be subject to access by government authoritiesunder applicable laws of that country. You may obtain acopy of the Insurer’s privacy policy by calling1-888-778-8023 or from their website:www.assurantsolutions.ca/privacy. If You have anyquestions or concerns regarding the privacy policy or Youroptions for refusing or withdrawing this consent, You maycall the Insurer at the number listed above.

® American Express is a registered trademark of American Express.This credit card program is issued and administered by The Bank of Nova Scotiaunder license from American Express.

®* Registered Trademarks of The Bank of Nova Scotia.

Flight Delay Certificate of Insurance

Amended and Restated Effective July 24, 2018

This Certificate of Insurance contains a clause whichmay limit the amount payable.

This Certificate of Insurance contains information aboutyour insurance. Please read it carefully and keep it in a safeplace. Refer to the Definitions section or to the applicabledescription of benefits and the paragraph following thisone for the meanings of all capitalized terms.The coverage outlined in this Certificate of Insurance iseffective July 16, 2012, and is provided to eligibleScotiabank®* Gold American Express® Cardmembers byAmerican Bankers Insurance Company of Florida

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(hereinafter referred to as the “Insurer”) under GroupPolicy No. BNS122000 (hereinafter referred to as the“Policy”) issued by the Insurer to The Bank of Nova Scotia(hereinafter referred to as the “Policyholder”).The terms, conditions and provisions of the Policy aresummarized in this Certificate of Insurance, which isincorporated into and forms part of the Policy. All benefitsare subject in every respect to the Policy, which aloneconstitutes the agreement under which benefits will beprovided. You or a person making a claim under thisCertificate may request a copy of the Policy and/or copy ofyour application for this insurance (if applicable) by writingto the Insurer at the address shown below.The Insurer’s Canadian head office is located at 5000Yonge Street, Suite 2000, Toronto, Ontario M2N 7E9.Claim payment and administrative services are provided byScotia Assist.In no event will a corporation, partnership or businessentity be eligible for the insurance coverage provided bythis Certificate of Insurance.1. DEFINITIONSIn this Certificate of Insurance, the following words orphrases have the meanings set forth below:Account means the Primary Cardmember’s ScotiabankGold American Express Card Account, which must be inGood Standing with the Policyholder.Cardmember means the Primary Cardmember and anysupplemental Cardmember who is a natural person residentin Canada to whom a Scotiabank Gold American ExpressCard is issued and whose name is embossed on the card.Cardmember may also be referred to herein using “You”and “Your”.Checked Luggage means suitcases or other containersspecifically designated for carrying personal belongings, forwhich a baggage claim check has been issued to theInsured Person by a Common Carrier.Common Carrier means any land, water or air conveyancewhich is licensed to carry passengers without discriminationand for hire, excluding courtesy transportation providedwithout a specific charge.Dependent Children means Your unmarried natural,adopted or step-children who are dependent on You formaintenance and support and who are either under 21years of age, or under 25 years of age and in full-timeattendance at a recognized institution of higher learning inCanada. Dependent Child(ren) also includes children 21years of age or over who are permanently mentally orphysically challenged and incapable of self-support.Dollars and $ means Canadian dollars.Essential Items mean the minimum essential clothing andtoiletries, the purchase of which is rendered absolutelynecessary and indispensable due to the delay of YourChecked Luggage.Good Standing means, with respect to an Account, thatthe Primary Cardmember has not advised the Policyholderto close it and the Policyholder has not suspended or

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revoked credit privileges or otherwise closed the Account.Insured Person means an eligible Cardmember and/or hisor her eligible Spouse and eligible Dependent Childrenwhen travelling with the eligible Cardmember and/or his orher Spouse.Primary Cardmember means the principal applicant for anAccount who is a natural person resident in Canada towhom a Scotiabank Gold American Express Card isissued by the Policyholder.Scotia Assist means the Insurer in relation to claimpayment and administrative services.Spouse means the person who is legally married to theCardmember or the person who has been living with theCardmember for a continuous period of at least one yearand is publicly represented as the Cardmember’s Spouse.Trip means a scheduled period of time during which anInsured Person is away from his or her province or territoryof residence in Canada, as determined by the departureand return dates.2. FLIGHT DELAY INSURANCEBenefitsScotia Assist will reimburse the Cardmember for all InsuredPersons travelling on the same Trip if the confirmedscheduled flight departure from any airport is delayed by 4hours or more, for necessary and reasonable expensesincurred with respect to hotel accommodations, restaurantmeals, refreshments, Essential Items and sundry items (suchas a magazine, paperback book and other such small items)within 48 hours of the delay or denied boarding, to amaximum of $500 per Insured Person on the same Trip,provided that:(i) at least 75% of the full cost of the delayed flight wascharged to Your Account and/or paid with ScotiaRewards®* points;(ii) no alternative transportation is made available to theCardmember within 4 hours of the scheduled departuretime of the original flight;(iii) delay of the flight was the result of strike by airlinepersonnel, quarantine, civil commotion, hijack, naturaldisaster, inclement weather, mechanical breakdown ordenied boarding due to overbooking; and(iv) the Cardmember provides the required proof of loss toScotia Assist, including plane ticket(s) or the ScotiabankGold American Express Card sales receipt for the planeticket(s), a written statement from the airline confirmingand detailing the delay and itemized original receipts withrespect to the necessary and reasonable expenses incurredfor hotel accommodations, restaurant meals, refreshments,Essential Items and sundry items.This coverage is in excess of all other applicable validinsurance, indemnity, reimbursement or protectionavailable to You in respect of the claim. The Insurer will beliable only for the amount of loss or damage over theamount covered under such other insurance, indemnity,reimbursement or protection and for the amount of anyapplicable deductible, only if all such other coverage hasbeen claimed under and exhausted and subject to theterms, exclusions and limits of liability set out in thisCertificate of Insurance. This coverage will not apply as

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contributing insurance, notwithstanding any provision inany other insurance, indemnity or protection policies orcontracts.Limitations and ExclusionsThe Insurer does not cover loss caused by or resulting from:(i) criminal or fraudulent acts of the Insured Person;

(ii) war, whether declared or undeclared, civil war,insurrection, rebellion or revolution; or(iii) any warlike act by any government or military force.How to Claim

In the event of a claim, contact Scotia Assist at1 877 391-7507 from Canada and the United States, or416-572-3636 locally or collect from elsewhere in theworld.3. GENERAL PROVISIONS AND STATUTORY

CONDITIONSUnless otherwise expressly provided herein or in the Policy,the following general provisions apply to the benefitsdescribed in this Certificate of Insurance.Due Diligence

The Insured Person shall use diligence and do all thingsreasonable to avoid or diminish any loss or damage underthe Policy.Notice and Proof of ClaimImmediately after learning of a loss or an occurrence whichmay lead to a loss under any of these insurance benefits,You must notify Scotia Assist. You will then be sent a claimform.Written notice of claim must be given to Scotia Assist assoon as reasonably possible after the occurrence orcommencement of any loss covered by the Policy, but in allevents, provided within 90 days from the date of such loss.Written notice given by or on behalf of the claimant or thebeneficiary, with information sufficient to identify theCardmember, shall be deemed notice of claim.Failure to provide notice or furnish proof of claim within thetime prescribed herein does not invalidate the claim if thenotice or proof is given or furnished as soon as reasonablypossible, and in no event later than 1 year from the date aclaim arises hereunder, if it is shown that it was notreasonably possible to give notice or furnish proof withinthe time so prescribed. If the notice or proof is given orfurnished after 1 year, Your claim will not be paid.Payment of Claim

Benefits payable under the Policy will be paid upon receiptof full written proof, as determined by Scotia Assist.Subrogation

Following payment of an Insured Person’s claim for loss,the Insurer shall be subrogated to the extent of the amountof such payment, to all of the rights and remedies of theInsured Person against any party in respect of such loss,and shall be entitled, at its own expense, to sue in theInsured Person’s name. The Insured Person shall give theInsurer all such assistance as is reasonably required tosecure its rights and remedies, including the execution of

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all documents necessary to enable the Insurer to bring suitin the name of the Insured Person.Termination of Insurance

Coverage ends on the earliest of:

(i) the date the Account is cancelled, closed or ceasesto be in Good Standing;

(ii) the date the Insured Person ceases to be eligible forcoverage; and

(iii) the date the Policy terminates.

No losses incurred after the Policy termination date will bepaid, unless otherwise specified or agreed.False Claim

If You make any claim knowing it to be false or fraudulentin any respect, You shall no longer be entitled to thebenefits of this insurance nor to the payment of any claimunder the Policy.Legal Action

Every action or proceeding against an insurer for therecovery of insurance money payable under the contract isabsolutely barred unless commenced within the time setout in the Insurance Act, Limitations Act or other applicablelegislation in Your province or territory.If You Have a Concern or ComplaintIf You have a concern or complaint about Your coverage,please call the Insurer at 1-877-711-8286 or thePolicyholder at 1-800-472-6842. The Insurer will do its bestto resolve Your concern or complaint. If for some reasonthe Insurer is unable to do so to Your satisfaction, You maypursue the concern or complaint in writing to anindependent external organization. You may also obtaindetailed information for the Insurer’s resolution process andthe external recourse either by calling the Insurer at thenumber listed above or at:www.assurantsolutions.ca/consumer-assistance.PrivacyThe Insurer may collect, use, and share personalinformation provided by You to the Insurer, and obtainedfrom others with Your consent, or as required or permittedby law. The Insurer may use the information to: serve Youas a customer and communicate with You. The Insurer mayprocess and store Your information in another country,which may be subject to access by government authoritiesunder applicable laws of that country. You may obtain acopy of the Insurer’s privacy policy by calling1-888-778-8023 or from their website:www.assurantsolutions.ca/privacy. If You have anyquestions or concerns regarding the privacy policy or Youroptions for refusing or withdrawing this consent, You maycall the Insurer at the number listed above.

® American Express is a registered trademark of American Express.This credit card program is issued and administered by The Bank of Nova Scotiaunder license from American Express.

®* Registered Trademarks of The Bank of Nova Scotia.

TO GET STARTED, ACTIVATE YOUR CARD TODAY.Visit scotiabank.com/activatecreditcard

or call 1-800-806-8600.

® American Express is a registered trademark of American Express. This creditcard program is issued and administered by The Bank of Nova Scotia underlicense from American Express.

®* Registered trademarks of The Bank of Nova Scotia.TM Used under license from American Express.* Subject to capacity. Admittance granted with an American Express Card.

Beverages will be for purchase. Must be 19 years of age or older to havealcohol and must have a valid ID. Please drink responsibly.

** The Bank of Nova Scotia is an authorized user of the mark.‡ Scotia Rewards points must be redeemed within 60 days of account closure or

they will be deleted permanently. If your account is not in good standing, theaccumulated Scotia Rewards points are not eligible for redemption.

† For full details on Best Price Guarantee on Airfare, visit scotiarewards.com(this feature is subject to change at any time).

† † Purchase must be charged in full to an American Express Card. Subject toavailability and to event and ticketing agent terms, conditions, and fees. Not allseats are available. All sales are final. No refunds. No exchanges.

+ You are liable for all charges incurred on your account with any supplementarycard issued in connection with the account. When you request Scotiabankto issue a supplementary card, we will also issue renewal and replacementcards for such supplementary card, unless the card is cancelled by you orScotiabank. A Supplementary Cardholder’s signature on or use or retention ofthe supplementary card issued in his or her name shall evidence your receipt ofthe agreements relating to the account and your acceptance of their terms.

± Priority Pass™ membership includes access to airport lounges participatingin the Priority Pass program. Certain terms, conditions and exclusions apply.Benefits are subject to change at any time.Travel Advantage is supplied by a third party (currently Hogg RobinsonCanada Inc. (HRG) and subject to change).Best available price guarantee on airfares is provided by HRG and is onlyavailable within 24 hours of time of booking. All offers are based on availability.Offers are subject to merchants’ standard booking requirements, terms, andconditions. Offer cannot be combined with other offers, promotions, discounts,or programs, and may not be redeemed for cash. Complete terms andconditions are available at scotiarewards.com. The Bank of Nova Scotia is notresponsible for the best available price guarantee.

1 Scotia Rewards Travel Service booking site provided by a duly licensed 3rdparty travel agent: Visit scotiarewards.com for full details.

2 Concierge Service provided by a duly licensed 3rd party premium conciergeprovider (currently Hogg Robinson Canada Inc. (HRG). Provider is subject tochange by The Bank of Nova Scotia.

3 Under all insurance coverages or services, certain limitations, restrictionsand exclusions apply, including a pre-existing condition exclusion for certainbenefits. The enclosed Insurance certificates or Terms and Conditions containfull details of all coverages underwritten/provided by independent licensedinsurers. The Bank of Nova Scotia is not an insurer. All claims for insuranceindemnities must be forwarded to the insurers.

4 The Bank of Nova Scotia and its affiliates are not responsible for fulfillment ofoffers under the American Express Invites program. All offers are provided andfulfilled by participating merchants and are subject to the specific terms andconditions of the respective merchant. American Express and its affiliates arenot liable or otherwise responsible for any offer or experience made availableunder this program, and are not responsible for fulfillment, any changes orcancellation of any offer.

5 10% of your outstanding credit card account balance up to 10 months to amaximum of $5,000 per month and a total maximum of $50,000 if you areunable to work due to involuntary Job Loss, Strike or Lockout or becomedisabled.

6 Critical Illness, Disability, Job Loss and Strike/Lockout coverage terminates at age70, Life coverage terminates at age 80.

Scotia Credit Card Protection is a Group Policy underwritten by Chubb LifeInsurance Company of Canada. All coverage is subject to the terms and conditionsoutlined in the Certificate of Insurance which you will receive upon enrolment.

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