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Scotiabank Delta Skymiles® Visa Credit Card Application Just Print out This Application Form, Complete It and Drop It Off at Your Nearest Scotiabank Branch

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Scotiabank Delta Skymiles® Visa Credit Card Application Just Print out This Application Form, Complete It and Drop It Off at Your Nearest Scotiabank Branch Scotiabank Delta SkyMiles® Visa credit card application Just print out this application form, complete it and drop it off at your nearest Scotiabank branch. TELL US ABOUT YOURSELF Are you a Delta SkyMiles program member? J Yes J No Name Date of Birth MM/ DD/ YYYY If yes, fill in your Delta SkyMiles # | | | | | | | | | | Address Mailing Address (if different from above) Time at Current Residence Years/Months If Less Than 2 years, Time at Previous Residence Years/Months Marital Status J Married J Unmarried J Separated Home Phone # Cell Phone # Social Security # Mother’s Maiden Name Employer Occupation Work Phone # Time with Company Years/Months J Full-time J Part-time Monthly Income $ If Less Than 2 years, Time with Previous Company Years/Months Other Monthly Income $†† †† Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered as a basis for repaying this obligation WOULD YOU LIKE AN ADDITIONAL CARD FOR YOUR SPOUSE? If yes, complete this section Name Home Phone # Cell Phone # Date of Birth MM/ DD/ YYYY Mother’s Maiden Name Social Security # Occupation Employer Work Phone # Time with Company Years/Months J Full-time J Part-time Monthly Income $ YOUR FINANCIAL INFORMATION J Are You a Homeowner? J Renter? J Other? If You Are a Homeowner, What Is the Property Value? $ Existing Debt / Mortgage on the Property $ Lender Monthly Pymt $ Do You Have Any Loans with Scotiabank? J Yes J No Amount $ Monthly Pymt $ Other Lender? J Yes J No If Yes, Specify: Lender Amount $ Monthly Pymt $ Other Credit Card? J Yes J No If Yes, Specify: Lender Balance $ Monthly Pymt $ Other Assets: J Car Value $ Lender (if any) Monthly Pymt $ J Savings Account / Deposit Account Value $ J Investments / Stocks Value $ Are You a Scotiabank Customer? J Yes J No If Yes, Account # ScotiaCard # Would you like to insure your Scotiabank Delta SkyMiles Visa account balance? K Yes K No We, the applicant and co-applicant (if any) are at least 18 and under 70 years of age and have acknowledged that this insurance is optional and not a condition of the credit approval, agree to the terms and conditions outlined on the next page, and to be bound by them and all other provisions stated in the Chargegard Credit Protection Certificate that will be given to us. I (We) hereby certify the above information to be true and complete. If this application is accepted by The Bank of Nova Scotia (the “Bank”), I (We) request the Scotiabank Delta SkyMiles Visa credit card(s) and Convenience Checks be issued to me (us) as designated above. I (We) hereby authorize and consent to the Bank obtaining further information about me (us) and checking the information I (We) have given here and exchanging information about me (us) with other parties. I (We) agree to read and be bound by the Scotiabank U.S. Virgin Islands Credit Card Agreement. I (We) authorize the Bank to debit my (our) credit card account with the amount of the annual fees in effect from time to time for the card. Applicant’s Signature Date Co-Applicant’s Signature Date FOR BANK USE ONLY: Total Monthly Pymt $ Net Worth $ TDSR % Some restrictions may apply. Subject to credit approval Terms and Conditions for every $1 spent on the card. Bonus miles for balance transfers are Annual percentage rate earned only on transfers from a non-Scotiabank credit card to the for purchases: Scotiabank Delta SkyMiles Visa Gold or Platinum card and must take place before June 5, 2006. 500 miles are awarded for each $1000 transferred, up Gold Visa 16.50%; to a maximum of $10,000; partial miles are not awarded. Scotiabank Delta SkyMiles Visa cards are intended for personal use only Platinum Visa 15.50%. and miles will not be awarded for business purchases. Cash advances, Convenience Checks and Balance Transfers: 19.99%. Primary cardholders are eligible to receive miles upon yearly renewal of their card. Promotional Balance Transfer Rate: Gold Visa 16.50%; Platinum Visa 15.50%. The Promotional Balance Transfer APR is valid only to transferred Additional cards received are not eligible for activation miles, balance balances posted to your account by June 5, 2006. The promotional rate transfer miles or annual fee renewal miles. To receive the 500 bonus expires on April 3, 2007 at which time the rate will regularize to 19.99%. miles for additional cards, the additional cards must be requested within 180 days of activation of primary cardholder’s card. Penalty rate: 19.99%. The penalty rate is applied to all existing balances. Cardholder will receive additional miles for purchases directly from Delta All rates may increase up to a maximum of 19.99% annual percentage for purchases of qualifying Delta, Delta Connection®, Delta Shuttle®, and rate if one of the following conditions exists: if the minimum account Song® flights of fares that are eligible for SkyMiles mileage credit, and payment has not been received for two (2) consecutive billing periods; certain other Delta products and services such as lounge memberships, or if you pay after the due date twice (2x) during a 6 month period. lounge passes, upgrades, change fees and excess baggage, excluding Annual fee: Gold Visa $50; Platinum Visa $75 Delta Vacations® packages and other all-inclusive packages only when payment is made in full using their Scotiabank Delta SkyMiles Visa cards. Additional cards: $0 Redemption of SkyMiles for Award Travel on flights operated by Delta Grace period on purchases: from 25 days partner airlines is subject to the program rules of each partner, and Balance Calculation Method: 2-Cycle Average Daily Balance partners are subject to change at any time. (including new purchases) Taxes and fees for award travel are the responsibility of the passenger Fee for cash advances: 3% of the amount and must be paid at the time the ticket is booked. Award travel seats are limited and may not be available on all flights or in all markets. Late payment fee: $10 All SkyMiles program rules apply. To review the rules, please visit Fee for returned check: $25 delta.com/skymiles. Partner offers subject to the terms and conditions of each individual offer. Partners subject to change. Offers void where Fee for exceeding credit limit: $10 prohibited by law. Other restrictions may apply. Offers and rules subject Minimum Payment: 3% of outstanding balance; minimum payment to change without notice. ©Delta Air Lines Inc. of $25 To be eligible to receive bonus miles, cardmember’s account must be active and not in default at time of bonus fulfillment. Express Cash and The information on card costs described is correct as of April 3, 2006. U.S. Savings Bonds transactions do not apply. In each year of cardmember- This information may have changed after this date. To verify what may ship, your miles are limited to $100,000 of eligible spending for Gold Delta have changed, write us at Scotiabank, PO Box 420, St. Thomas, VI 00804, SkyMiles credit cardmembers and unlimited for Platinum Delta SkyMiles or visit a branch nearest you. credit cardmembers, not including bonuses. Activation bonus miles (Gold 7,500 and Platinum 10,000) are awarded for Cardmember will receive double miles for purchases directly from Delta for the first purchase made with the card before June 5, 2006. Activation purchases of qualifying Delta, Delta Connection®, Delta Shuttle®, and Song® miles are only rewarded once within a 36-month period. In the case flights of fares that are eligible for SkyMiles mileage credit, and certain where a Scotiabank Delta SkyMiles Visa Gold cardholder upgrades to a other Delta products and services, excluding Delta Vacations® packages Platinum card, the difference between the Gold and Platinum bonus and other all-inclusive packages. Redemption of SkyMiles for Award Travel miles will be awarded. on flights operated by Delta partner airlines is subject to the program Scotiabank will award 2 miles for every $1 spent on the card for purchases rules of each partner, and partners are subject to change at any time. made up until June 5, 2006. As of June 6, 2006, 1 mile will be awarded.
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