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Disclosures, Copyright and Trademark Notices

Disclosures, Copyright and Trademark Notices

Users of Scotiabank's Scotia OnLine** Internet banking World Wide Web site pages (the "Work") shall only be entitled to copy the Work for their own personal use but may not republish nor reproduce any substantial part of the Work in any manner whatsoever, including electronically reproducing this Work by "uploading", "downloading" or accessing the Work on to the Internet or any other local or international computer system, without the prior written permission of Scotiabank. Certain information may be copyrighted by others. An acknowledgement of the source must be included whenever Scotiabank material is copied or published. If you require further information on a permitted use or license to reproduce or republish any material, address your inquiry to Self Service Banking, 44 King Street West, Toronto, Ontario M5H 1H1. Any infringement of Scotiabank rights will result in appropriate legal action. Scotiabank disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of this Work whatsoever.

Information on Scotiabank's WWW pages does not constitute an offer to buy or sell units of mutual funds. Not all products and services that Canadian residents may be interested in are available in all regions of Canada. Not all products and services that other country residents may be interested in are available in that country. Scotiabank's products and services are available in accordance with local law and only if they may be lawfully offered for sale. All Scotiabank products and services are subject to the terms of applicable agreements.

All reasonable steps have been taken to ensure the security of your personal information transmitted over the Internet. This includes the use of end-to-end encryption and on-line authentication. However, there remains the remote possibility of data security violations occurring. In the event of such breaches, The Bank of Nova Scotia and its subsidiaries and affiliates will not be responsible for any damages you may suffer as a result. The Bank of Nova Scotia and its subsidiaries and affiliates, are not responsible in any manner for direct, indirect, special or consequential damages howsoever caused, arising out of the use of this web site. Scotiabank advises all end users that IBM Canada Ltd. and Entrust Technologies Inc. also have no liability to end users. Scotiabank services are only available in those jurisdictions where they may be legally offered by BNS.

Some sites that may from time to time be accessed by hypertext appearing in this Scotiabank site may have been independently developed by parties other than Scotiabank, and Scotiabank does not guarantee the accuracy of information contained in such sites. If you access any software through links from this web site, you should take all necessary precautions to scan for computer viruses and for software compatibility with the specific computer system you are using. Also ensure that you have a current, complete backup of the information on your computer system prior to installing such software. The listing of an organization in this site should not be construed as an endorsement of its services or products.

The display of trademarks herein does not imply that a license of any kind has been granted.

The symbols ® and ** designate Canadian registered trademark and unregistered trade-mark status respectively. The following are registered trademarks of The Bank of Nova Scotia in Canada: Scotiabank; Scotia; Flying "S" and design; Scotiabank, Flying "S" and design; Scotia Banking Advantage; ScotiaGold, ScotiaCard, Scotiabank Value; Scotia Gain Plan; Powerchequing; TeleScotia, ScotiaLine, BNS.

The following are trademarks of The Bank of Nova Scotia in Canada: Blue Chip Savings, Getting There.

The following are service marks of The Bank of Nova Scotia in the United States: Scotiabank; Flying "S" design; scotiabank.ca; scotiabank.com.

The Bank of Nova Scotia has additional trademarks and service marks, registered and unregistered, in other countries.

Executive Money Master and Money Master are Canadian registered trademarks of Montreal Trust Company. The Bank of Nova Scotia is licensed to use these marks in Canada.

Netscape is a registered trademark of Netscape Corporation.

Microsoft is a registered trademark of Microsoft Corporation.

* Used under license by American Express Company Copyright © : Amex Canada Inc. 2002.

CertaPay Inc. is the owner of the trademark CertaPay.

All other service and product names are trademarks or registered trademarks of their respective owners. The display of trademarks herein does not imply that a license of any kind has been granted.

All offers are subject to applicable requirements / credit qualifications of The Bank of Nova Scotia and / or its subsidiaries. The rate bonuses are not to be used in combination with any other pricing bonuses being offered by The Bank of Nova Scotia and / or its subsidiaries.

The prime lending rate refers to the prime lending rate of The Bank of Nova Scotia.

All services described in this site are subject to conditions, exclusions and limitations as established by the provider of service.