Important Notice for Scotiabank ScotiaLine® Personal Line ...

ImIImmpopprootrrattnaatnn Ntt NNotooicttiiecc eefo ffroo Srr c SSocctooiattiibaaabbnaaknn kkS c SSocctooiattiiLaaiLLniienn?ee ??P ePPreesrrossnooannlaa Lll i LLniienn eeo foo Cff rCCerrdeeiddt ii Att cAAcccoccuoonuutnnstt ass n aadnn dd

ScSSSocccotootiiattabiiLaaainLLnkiie nn is ee f co o ffmroo mbrr i ubbttseuuidssn tiieonn s peesrsso Vssv i diVVsiniiassg aa Ca avCCaraardierrhtddyo hh olfood pllerddoreedsurr csst s and services to suit our customers' needs. As such, we regularly review

ScooSctuiora t bpiaarbonadkn u iksc t cisso acmonmd iamtdtiejtudtes ttdo o t puorr op pvrroiidcviiinndggin aag n v ada v r oiaetrhtiyee t roy ft oe prfr m opdrso.u d c utsc tasn adn sde srveircveicse tso t sou situ oitu or u cru csutosmtoemrse'r ns'e needesd. As.s A ssu scuhc, h w, e w ree greuglaurllayr lrye vreievwie w

ou o r u prr opdroudcutsc tasn adn add ajudsjut sotu or u prr ipcrinicgin agn adn odt hoethr e tre rtmersm. s .

T his notice highlights changes that will go into effect as of August 1, 2016. Please keep this notice for your reference.

Th T ish niso ntiocteic hei g hhiglihglhigtsh tcsh cahnagnegse tsh atht a wt i wll igllo g ion t ion t eof feefcfet cats a osf o Afu Aguugsut s1t, 12,0 21061. 6 P. l e Paleseas kee keepe tph itsh niso ntiocteic feo rf o yro yuor u rre frerfenrecnec. e.

C hC C ahhnaagnneggsee tsso tt oo F e FFeeesee ass n aadnn dd O OOthttehhree Trr e TTreemrrmms oss foo yff o yyuooruu Srr c SSocctooiattiibaaabbnaaknn kkS c SSocctooiattiiLaaiLLniienn?ee ??P ePPreesrrossnooannlaa Lll i LLniienn eeo foo Cff rCCerrdeeiddt ii tt

AcAAEfcfcceocccuootivnuuetnn asstt asso fn aa Adnnu gdd Su c sSStocc 1too,i 2att0iiLaa1i6LLn,ii esnno eemfo effr oo o bfrr o ubbusruu i fssneiieennss eeasnss dVss t iVVesriiamss aasC w aCCirlaal d crrh dd Aan cAAgcecco. cc Tuoohnuuotsnnestt c ssh a nges are described below. We are not making

EffEaenfcfyet i ccvtheiva aens g a oesfs o A tfou A g yuuogsuutr s1 at, n 12n,0 u21a06l1 , i 6nso,t esmoreems ote f r o aoftu eors u f. er e f ese asn adn tde rtmersm ws i wll iclhl cahnagneg. e T. h Tohsoes ceh cahnagnegse asr ea r dee dsecrsicbreibde bde bloewlo.w W. We aer ea r neo nt o mt amkainkgin g

an a yn cyh cahnagnegse tso t yoo yuor u arn annunaul ainl t ienrtesret srta treaste. s .

T he changes will apply to the Scotiabank accounts listed below:

CTShcaCCSTS o ethccct aa icooheatthcctt- L iicaUhhaaihn--nLLPaUUgeii?nnne?PPgeesL??Pe ?? wiesLLnPP ri ewiilseennlo orr iaeelssnflpoo aoo aCpnnlffplaarLCCyeplli d lrrtLLnyeeioetii dd tnn taiiooeehttnf etaadooChnn ffSSeddrcCCe c SoSSdorrcteeicctiotiddooaat(iittbLiittiianaaa((ibcLLnniinnlaekiiuccnnn? d ll ee kafuuio?? ncdd raffcgiioonnocbrrScgguucobbnsSSouuuitccntsnssiooea ii tlnnttsisLiisseeaa iltssniLLVessseiidtinnVVes P eebdaiieess *PP rblaas eeo eco**rrwalssn o ccrooa:dwaa nn l .rr aa :Ldd ll ..i LLneiinnoeef

of Credit under oCfrCedreitduitnudnedr ear

SaacSSocctiooattiiTaaoTTtaoolttaaEllqEEuqqituuyii?ttyyP??laPPnllaa),nnS)),,cSSocctiooattiiRaaSRRPSSPP

E lectronic Documents ? Change to How Long Notices are Available Online: If you receive your statements and other notices

EleaEcbletorcoutrnto iycno iDuco r D caouccmcuoemunnettsn e t?sl e C ?ch t Craohnnaginecg a telol y t H,o to hHweo wlLeo n Lngogtn h Ng oo Nft io tcitemicsee a s tr h eai r sAe nv Aoavitliaacibela l (eba lOned n O lainnnleyin: f e u I:ft u yIfro e yu o n ruoe tcrieccievesei vw yeeo y u poro u ssrtt a s oteanmtlienemen e atsnb taosnu adtn yodot houetrh ra e ncrco ontuiocnteitcs)e ws ill

abaroebumot u aytion yu oarv u aarc i aclaocbculoneu t f n oetrl e e rcleetvrcoitenrwoicn iasicl l cayhl,l aythn, etgh i lneg n l e gfrntohgm t oh f 1 o t yifm etiaemr t e tho its h 9 ni0so ndtioactyeisc (.ea I nf( a dyno adun a ywn foyuu tfludrt euli kr neeo nttoioc t ekicese e wsp e w a pneo y ps not o sottn i oclien l epin o aesb taoebudot o u ynto lyuinore u a r (c i acnoccculuonduti)nn wtg) i twllh i ilsl

remnreoamtiinca e ian)v baveilayioblanlebd lf e toh rfi o srre 9 vr0eie vdwiae y wis p ciesh r caihonadgn,i n grgein m fgreo fmmrob m 1e ry 1 et yoae r s a atrov te 9o 0a 9 n d0 ea dlyeasc.y t sIrf.o yInfo i ycuo v wue o rwsuiolodun l d iok flei ki tte o w t koite h keiepne a9pn0 ay dn nayoy nstio cotefi c rpeeo cpseotiesvdtine ogdn iolti.n lein (ein (cinlucdluindgin tgh itsh is

non tiocteic) e b)e byeoynodn tdh itsh 9is0 9 d0a dya pye prieordio, d re, mreemmebmebr e tro t soa vsaev aen a enl e ecletrcotnroicn vice vrseirosnio onf o itf wit i wthiitnh i9n0 9 d0a dyas y osf o ref creciveiinvgin igt. i t.

A mendments to Disclosure Statements ? Effective as of August 1, 2016

AmAmenednmdmenetnst tso t oD iDscisloclsousruer Set Sattaetmemenetnst ?s E?f Efeffcetcivteiv aes a os f o Af u Aguugsuts 1t, 1 2,0 21061 6

9620114 (05/16)

Fees are charged on the day the transaction occurs (unless otherwise indicated).

FeFeese asr ea r ceh cahrgaergde odn o tnh eth dea dya tyh eth ter a tnrasnascaticotnio onc ocuccrus r(su n(ulensles s ost hoethrweriwseis ien dinicdaicteadte).d ) .

Description of Fee

Changes (certain changes underlined for emphasis only)

DeDsecrsicprtiipotnio onf o Ffe Fee e

ChCahnagnegse (sc e (crtearitna icnh cahnagnegse usn udnedrleinrleinde fdo rf o erm epmhpahsiass oisn olyn)l y)

Cash Advance Fees ? Changing & New CaCsahs Ahd Avdavnacnec Fee Feese ?s C ?h Cahnagninggin &g &Ne Nwe w

C hanging with increases to cash advance fees ChCahnagninggin wg i wthi t ihn c inrecaresease tso t coa cshas ahd avdavnacnec fee efese s

N ew fee for cash advances at Global ATM Alliance NeNBwae n wfek sef e o feou rft os cirad cseha os ahfd C avadanvnaacdneacs e ast a Gtl oGbloabl aAlT AMT M Al lAiallniacnec e BaBnakns k osu otsuitdseid oef o Cfa Cnaandaad a

Cash advance fees for each cash advance made with an access card will

CacCshhaas ahnd g aveda avnasc n efoc felelo efwese sfso: rf o era ecahc cha cshas ahd avdavnacnec me amdaed we i wthi t ahn a anc aceccses s csa crda r wd i wll ill

chcahnagneg aes a fso lfloolwlosw: s:

? processed by any non--Scotiabank financial institution in Canada:

? ? fprrooffpmrrcroooe mm $cses2 $$es.sd225e ..0bd55y t00b aoy ntt aoo$yn 3 n $$yo. 335nno..0-55-Sn c00--oS ctioatbiaabnakn fkin fainnacniacli ainl s intisttuitiuotnio in iCna Cnaandaad: a:

? obtained at any non--Scotiabank ABM in Canada displaying the

? ? oInbtIoItennabrttitaeenacrreiaa nsdccye amssdtyy ba mmaton bb lay:oon fnllyr::oo ffnnmrrooo--S nmm $c--2oS $$ct.22i5oat..0bi55a a t00bno ak tt n oo$Ak3 B $$AM.335B M..0 i55n 00 iCn a Cnaandaad dai s dpislapylainygin tgh eth e

? processed by any financial institution outside of Canada: from

? ? p$r5op$$.cr550oe..0cs00es t00esosd tte oob$dy7 b$$ a.y775n a..0y55n f 00yin f ainnacniacli ainl s intisttuitiuotnio onu otsuitdseid oef o Cfa Cnaandaad: afr:o fmro m

?

? ?

obootabbittnaaeiinndee addt aa attn aaynn AyyB AAMBB MM ou ootsuuittdsseiidd oeef oo Cffa CCnaaanndaaadd: aafr::o ffmrroo mm $5 $$.550..000 t00o tt oo$7 $$.775..055 00

? obtained at any Global ATM Alliance Bank ABM outside of Canada:

? ? o$b3o$$t.ab335itn..0a55ei n00 de a dt a atn ayn Gyl oGbloabl aAlT AMT M Al lAiallniacnec Bea Bnakn AkB AMB M ou otsuitdseid oef o Cfa Cnaandaad: a:

? processed by any financial institution (Branch and ABM) in

? ? pCraoCpCncraaaoenndcsaaaesdd:es aafsdr::e o bffdmrry oo b amm $yn 2 a y$$n. 22f5yin..0 f55ai nt00noac ttni aoo$cli 3 ai$$n.l 335s int..0i55st tu (00iat iu p((oaatpnippol i pp(cnBall ii r(ccbBaaalnrebbac llfneehoc rffah oo nS rracd noSS AccdtiooB a AttMLiiBaain)MLL e iiinnn ) f ee oin rff oo rr

business Visa only)

bubsuinseinsse s Vsi sVai s oan olyn)l y)

10055538

Dishonoured Payment Fee ? Changing DisDhisohnoonuoruedre Pda Pyamyemnet n Fte Fee ?e C ?h Cahnagninggin g

FeFFpeeea weey mi wwll e iillnnll c tiinnr decciarrseesheaaoss nfeeroo ffumrroore mm $d4 $$b244y. 225yo..055u t00r o f tti n oo$a4 n$$8c44i.a880l.. 0 i00n a00snt iaadtnnu iddtsi o ciisshn cca ohhrngaa err tggdhee e fddo d rffa oo etrrea eec taahhcc ehh p ayment

papiysam ryeemtnuetr n ndtei s ddhi/sodhniosohnuoorneuodreu bdrye b dyy.o yuor u firn fainnacniacli ainl s intisttuitiuotnio onn o tnh eth dea dtea t teh eth pea pyamyemnet n t

is rise truertnuernde/d/isdhisohnoonuoreudre. d.

Dishonoured Scotia Cheque Fee ? Changing DisDhisohnoonuoruedre Sdc oSctioat iCah Cehqeuqeu Fee Fee ?e C ?h Cahnagninggin g

FeFFcehee weeeq i wwllu iiellnll c iiisnnr e ccrearreetsueaarss fneereo ffdmrroo f mm o$r4 $$ e244a.c225h..0 55 c t00hoe ttq oo$u4 e $$8 r44e.880tu..000r na00en aaddnn diddsu ciiessh cctaohhr gaa inerrggsduee oddffn i ooc tnnihe entthh t d ee ca rddteeaad tt tieeth etthh ee

chcaehvqaeuiqelau ibesl erise i tnrue yrtnuoerundre a fdoc crf oo erua nectah.c c h h cehqeuqeu ree truertnuernde ddu deu teo t ion s inusffuicffieicniet n ctr ecdreitd it

avavilaiblaleb lien iyno yuor u arc acoccuonut.n t .

Overlimit Fee -- Changing OvOevrleimrliimt Fite Fee -e- C -h- Cahnagninggin g

FeFFbeeea weela i wwnll c iillnell c iifnnrireccsarrtees eeaaxss fceereo ffemrrdoo smm $ y2 $$o5u22.r550 c..0r00e t00do i ttt oo$ li2 m $$9i22t. 99 0an..000d a00 tn h aadenn indds o ciisshn ccachhergaa perreggdeer o ddsnt ooa tnnthe ettmhh deeea n ddytaa ypyyoe yyurooiro uu drr

bab(lcaahnlaacnregc feeird sf itor snetx t echexece efdierssd yts o d yuaory u c orr efc drtehitde li itsm t laiimtt e aimtn aden n tdht etphnee r onion odcne) c i pfe ey pro e usrtr a s atecacmtoeeumnnett n prtee pmrieoardiino sd

(ch(ocavhregarerligdme oditn of rtnoh emth f e air sf pitrr sdetav diyoa ouyfs o t shft eath t seetm a steeanmtet e mpneetr n ipote d pr.ie o r dio) d if) y ifo yuor u arc acoccuonut n rte mreaminasin s

ovoevrleimrliimt firto fmro m a p ar epvreiovuiosu sst a steamteemnet n pte prieordio. d .

A mendments to the Revolving Credit Agreement and Personal Credit Agreement Companion Booklet ? Effective August 1, 2016

AmAemnednmdemnetsn tso t toh eth Ree Rveovlvoilnvgin Cgr eCdreitd Aitg Aregeremeemnetn atn adn Pde Prseorsnoanl aClr eCdreitd Aitg Aregeremeemnet n Cto Cmopmapnaionnio Bno Bookolektl e ?t E ?f fEefcfeticvteiv Aeu Aguugsut s1t, 12,0 21061 6

WeW aer e a raels aol s mo a mkiankgin agm aemnednmdemnetsn tos ttoh e th Ree Rvoelvvoinlvgin Cgr eCdreitd Aitg Aregeremeemnet n(Rt C (RAC) A a)n adn tdh e th Pee Prseornsoanl Calr eCdreitd Aitg Aregeremeemnet nCto Cmopmapnaionnio B no B o okloektl et (PC(PAC BAo Bookloektl)e tth) a tht agto gveorvnesr n yso uyor u arc caocuconut.n Nt.o Nteo:t eTh: Teh PeC PAC BAo Bookloektl e(at n (adn tdh e th ceh achnagnesg e bse bloewlo)w d)o deos e nso nt oatp applyp tlyo ttoh e th Sec oStcioatLiianLein?efo?rf or

bubsiunseinsse sVsi s Vai*s a c*a rcda.r d S.e eSe teh e th Kee Ky e Tye Trmer mch achnagnesg e bse bloewlo. w .

KeKy e tye r tmer m

ChCahnagnesg e (sc e (rctearitna cinh achnagnesg e usn udnedrleinrelinde fdo r f o erm epmhpahsiass oisn olyn) l y)

RCRAC A SuSpupplepmleemnetanrtya rCyr eCdreitd Cita Crdasr,d s, "Yo"Yuor u Rri g Rhigtsh atsn adn Odb Olibgalitgiaotnios"n s " -- a-n- adn ?d ? PCPAC BAo Bookloektl,e Ct,r eCdreitd Aitc Acocuconutsn, t s, "Yo"Yuor u Rri g Rhigtsh atsn adn Odb Olibgalitgiaotnios"n s" --Up--Udpadteadte d

ToT aoll oalwlo ewit ehiethr ear p ar ipmriamrya rbyo brroorwroewr eorr o ar c ao -c-boo--brroorwroewr etor troe q reuqeuste ostr o cra ncacenlc ae l s au psupplepmleemnetanrtya ry accaecscse scsa rcda r (dn o (nwo awls aol s coa lcleadlle adn a "na u"athuothriozeridze uds eurs ecra rcda"r)d w")e w aer e a rceh achnagninggin agll a rlel f reerfeenrecensc e ins tinh e th e RCRAC aAn adn tdh e th PeC PAC BAo Bookloektl etot tsou psupplepmleemnetanrtya rcya rcda r tdo tinoc ilnucdlued aen a "na u"athuothriozeridze uds eurs ecra rcda"r d a"n adn d chachnagninggin tgh e th See cSteicotnio "nY o"Yuor u Rri g Rhigtsh atsn adn Odb Olibglaigtiaotnios"n su"n udnedr ethr e th seu bsu--hbe--hadeaindgin "gU "sUinsgin tgh eth cer e cdreitd it accaocuconut"n tin" tinh e th ReC RAC aAn adn "dU "sUe s oef othf eth Cer eCdreitd Cita Crda/rLdi/nLein oef oCfr eCdreitd"i tin" tinh e th PeC PAC BAo Bookloektl ebty b y dedleetlientgin tgh e th see csoencodn sde nsetenntecen c teh a tht asat yssa:y s:

WhWehne yno uyo rue q reuqeuste Sstc oStcioatbiabnak n tko tisos iusesu ae s au psupplepmleemnetanrtya rcyr e cdreitd cita rcda r odr o Src o StcioatLiianLein aec caecscse ss carcda,r dw,e w wei lwl aills aol s isos iusesu re n renweawl anl adn rde p relapcleamceemnet ncta rcdasr d fos r f o sur cshu c shu psupplepmleemnetanrtya rcyr e cdreitd it carcda r odr o Src o StcioatLiianLein aec caecscse scsa rcda,r du,n ulenslse sths e th cea rcda r isd c isa ncacenlcledlle bdy b yyo uyo our o Src oStcioatbiabnak.n k .

AnAdn rde p relapcliancgin itg w iti twhi tthh e th feo l flolwloinwgin: g :

WhWehne enit ehiethr ear p ar ipmriamrya rbyo brroorwroewr eorr o ar c ao -c-boo--brroorwroewr erer q reuqeuste Sstc oStcioatbiabnak n tko tisos iusesu ae a supsupplepmleemnetanrtya rcya rcda r (da l (saol s kon oknwonw ans aasn a anu athuothriozeridze uds eurs ecra rcda)r do)r o ar S ac o StcioatLiianLein aec caecscse scsa rcda,r d, wew wei lwl aills aol s isos iusesu re n renweawl anl adn rde p relapcleamceemnet ncat rcdasr d fos r f o sur cshu c cha rcda r udn ulenslse sosn oen oef oyfo uyo our o r ScoStcioatbiabnak n cka ncacenlcse tlhs e th cea rcda.r d.

PCPAC BAo Bookloektl,e Ct,r eCdreitd Aitc Acocuconutsn ts ThTeh ceo ncotenntet notf othf e th See cSteicotnio cna lcleadlle "dS e"rSveircvei c Fee eFse e fos r f o yro yuor u Lrin Lein oef oCfr eCdreitd"i tin" yino uyor u PrC PAC BAo Bookloektl eist is

"Yo"Yuor u Rri g Rhigtsh atsn adn Odb Olibgalitgiaotnios"n s" dedleetleedte ind itns i etsn etinretitrye tayn adn rde p relapcleadce wdi twhi tthh e th feo l flolwloinwgin: g :

De Dleetleedte adn adn Rde Rpelapcleadce d

"Yo"Yuo aug raegere teo tpoa py a tyh e th fe e fes e sse ts eotu ot uint yino uyor u Dri s Dcilsocsluorseu rSet a Stteamteemnet nfot r f o yro uyor u Lrin Lein oef oCfr eCdreitd, iats, as amaemnednede fdro fmro mtim tiem teo ttoim tiem. e F. e eFes e asr e a rtere tarteeadte ads aasd avadnvacensc e asn adn wdi lwl bilel b aed addede tdo tyoo uyor u arc caocuconut nt anadn adr e a rseu bsujebcjte ctot tyoo uyor u arc caocuconut'ns t p'sr epvraeivlianiglin ingt ienrteesrte rsat t rea(tse)("s )"

AllA inllt ienrteesrte rsat t reast,e fse, e fse easn dan odt h oethr eter r tmersm asr e a rseu bsujebcjte tcot tcoh acnhgaen.g e T. h eTh Bea Bnka n rke s reersveersv eths e th reig rhitg htot twoa wivaei v aen ya n fey e fse eosr ochr acrhgaersg eins itns i ts disdcirsectrieotnio. n. PlePalseea sveis viti:s i t: PCPAC bAo bookloektl:e t: htthpt:t/p/:w//wswc.ostcioatbianbka.ncko.mco/mca//ccao/mcommomno/pnd/pf/dpfe/prseornsoaln_abla_nbkainnkgi/npge/prseornsoaln_aclr_ecdreitd_iatg_raegermeeemnet_ncto_mcopmanpiaonnio_bno_bookloektl_eltc_.plcd.pf dfof r f or addaditdioitnioaln dael dtaeitlsa.i l s . RCRAC: Ah:t t hpt:t/p/:w//wswc.ostcioatbianbka.ncko.mco/mca//ccao/mcommomno/pnd/pf/dbfo/brroorwroinwgi/negn/e_rne_vroelvvoinlvgi_ncgr_ecdreitd_iatg_raegermeeemnet.nptd.pf df

? R?egRisetgerisetderteraddtermadaermksarokfsTohfeTBhaenBkaonfkNoofvNaoSvcaoSticao. tia. * V*isaVIisnat./InLti./c.LUics.eUr.ser.

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