A world of infinite possibilities

Scotia Momentum? Visa Infinite* Card

Welcome Kit

A world of infinite possibilities

Table of Contents

CASH BACK AND VIP SERVICES.................................1 ? T hank you for choosing the

Scotia Momentum? Visa Infinite* card.......................1 ? Scotia Momentum Visa Infinite

Cash Back Program...................................................2 ? Visa Infinite Enhancements.....................................3-6 ? Other valuable benefits........................................7-11 ? Contact Information................................................13 ?Scotiabank

Privacy Agreement.............................................14-23 ? Scotia Momentum Visa Infinite

Cash Back Program Terms and Conditions..........24-27 ? P urchase Security, Extended Warranty,

Lost Luggage and Delayed Luggage Certificate of Insurance......................................27-38 ? T rip Cancellation and Trip Interruption Certificate of Insurance.......................................................39-51 ? C ommon Carrier Travel Accident Certificate of Insurance......................................51-57 ? R ental Car Collision/Loss Damage Certificate of Insurance......................................58-67 ? F light Delay Certificate of Insurance.......................................................67-73 ? T ravel Emergency Medical Certificate of Insurance......................................73-85 ? M obile Device Insurance Certificate of Insurance......................................86-96

Cash back and VIP services

Thank you for choosing the Scotia Momentum? Visa Infinite* card.

Welcome to the Scotia Momentum Visa Infinite card and all its benefits, including up to 4% cash back on grocery store purchases and recurring bill payments. Plus take advantage of Visa Infinite Enhancement Services wherever you go. With comprehensive insurance4, worldwide acceptance, and 24/7 customer support, your new Scotia Momentum Visa Infinite card will take you just about anywhere you want to go. Your Cash Back Program offers: ?A full 4% cash back on all grocery store purchases

and recurring bill payments ?A full 2% cash back on all eligible gas station and

daily transit purchases ?A full 1% cash back on all other eligible everyday

purchases

See how much you could earn using the cash back calculator at momentumcashback

See the Scotia Momentum Visa Infinite Cash Back Program Terms and Conditions for complete details.

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Scotia Momentum Visa Infinite Cash Back Program

Maximize your cash back!

?Earn 4% cash back on your everyday purchases at any eligible grocery store, or on your recurring bill payments such as:

? Phone

? Utilities

? Cable

? Subscriptions

(Includes digital subscriptions)

? Internet

? Insurance

Recurring Bill Payments are payments made on a monthly or regular basis (that you set up directly with a merchant) that are automatically billed by that merchant to your Scotia Momentum Visa Infinite account.

Note: Not all merchants offer Recurring Bill Payments. (Please check with your merchant to see if they offer recurring bill payments on Visa cards.) Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are classified by Visa in another manner, in which case this added benefit would not apply.

?Plus, earn 2% on your gas station and daily transit purchases (includes: buses, taxis, trains, rideshare and more).

Earn 1% cash back on all other eligible everyday purchases made with your card.

Get an additional card? for another member of your family to:

?consolidate your family spending and earn more cash back

?share the perks of your card, including Visa Infinite Enhancements

Request an additional card by visiting or through Scotia OnLine? Financial Services ? it's easy!

There is an annual fee (currently $50) that applies for each additional Supplementary Card you add to your Scotiabank credit card account.

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Visa Infinite Enhancements

The Scotia Momentum Visa Infinite card offers a unique program of premium enhancements that tap into your lifestyle needs. Features include Visa Infinite Concierge, the Visa Infinite Luxury Hotel Collection and a dedicated Visa Infinite website to help you easily access all of the benefits, offers and services available to you from Visa. Visa Infinite Enhancements are synonymous with best in class offers and experiences, access to special events, and helping people go where, when and how they want. The Visa Infinite website provides Visa Infinite cardholders with information and access to all the benefits, offers and services available to you as a Visa Infinite cardholder ? visit us at visainfinite.ca. These enhancements are only available to Visa Infinite cardholders and include the following:

? Visa Infinite Concierge ? Visa Infinite Luxury Hotel Collection ? Visa Infinite Dining Series ? Special Access to Unique Offers and Experiences Visit visainfinite.ca to register for offers delivered right to your inbox.

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