Scotiabank Digital Agreement

You acknowledge that in addition to all fees, fees, conditions and conditions in this Agreement, your accounts are also subject to all fees, fees and conditions set out in all other agreements and documents relating to your accounts and/or your use of digital services. These agreements include, but are not limited to, the revolving credit agreement (for credit accounts), the Day-to-Day Banking Companion Booklet (for personal bank accounts), the Investment Companion booklet (for investment accounts) and the Scotiabank Privacy Agreement. Phone: 1-877-700-0043 Fax: 1-877-700-0045 Email: mail.president@scotiabank.com Letter: Office of Data Protection c/o Office of the President, Scotiabank 44 King Street West Toronto ON M5H 1H1 We collect, use and disclose this information for many purposes as described in our www.scotiabank.com/ca/en/0,,351,00.html privacy statement, including: For more information on digital services, rates or rates, you can also visit us online at www.scotiabank.com. You accept payment and we can deduct from any of your accounts with us (even if it causes or increases an overdraft) the fees at the rates applicable to the service. The current fees are in the bank book day to day and in www.scotiabank.com/emt and can be changed at any time without notice. You also acknowledge that these fees apply in addition to all other fees applicable to your accounts. In addition, your mobile operator`s standard instant messaging and data charges are paid. If you send money to a recipient, a fee may be charged to the recipient to receive money from their financial institution or Acxsys. Fees can be deducted from funds you have sent or collected as a supplement or as part of a service fee. If you send a request for money to a shipper, the sender is not charged a fee to meet this requirement.

Your continued use of the account or digital services (each as defined in Calendar A), the selected account (as defined in Appendix B) or another service with us recognizes that you accept and accept the new terms of the Agreement and all agreements relating to the account or service delivery such as modified, modified or replaced. The Digital Access Agreement covers all of our digital services, so you don`t need to accept a separate agreement for each service. Once you have accepted the Digital Access Agreement, you can access your accounts and your bank through all of our digital services.