EASY ACCESS TO YOUR MONEY AROUND THE WORLD * OVER 35,000 ABMS WORLDWIDE LOOK FOR THESE MEMBER BANKS ON YOUR TRAVELS NORTH AMERICA: • United States • Netherland • Seychelles • England • Canada Antilles • Uganda • Scotland • Mexico (St. Maarten) • Botswana • Wales • Anguilla • Bahamas • Zambia • Gibraltar • Antigua & Barbuda • Ghana • Spain • Bahamas • Kenya • France • Barbados • Tanzania • British Virgin Islands • Zimbabwe • Cayman Islands • Gabon • Dominica • Mauritius • Dominican Republic • Grenada • Jamaica • Netherland Antilles (St. Maarten) • Puerto Rico • St. Kitts-Nevis • Germany • Australia • France • St. Lucia • India • Cook Island • St. Vincent & • Poland • Fiji The Grenadines • Spain • New Zealand • Trinidad & Tobago • Vanuatu • Turks & Caicos • Papau New Guinea • Ukraine • US Virgin Islands • Solomon Islands SOUTH AMERICA: • Tonga • Chile • Samoa • Guyana • Peru • Italy * Scotiabank will waive the International ABM Access Fee and Global ATM Alliance members will waive any terminal convenience or usage fees for any withdrawal transactions performed at Global ATM Alliance machines with your ScotiaCard or Scotiabank VISA. "Free Access" does not apply to Scotiabank ABMs in Costa Rica, El Salvador, Panama or Belize. For foreign currency withdrawals performed at ABMs outside Canada, VISA International on our behalf determines the foreign currency exchange rate on the date of conversion. Effective from April 5, 2004, the exchange rate includes an amount equal to 2.5% of the converted amount. All regular account fees continue to apply. ® Registered Trademark of The Bank of Nova Scotia. Other marks displayed are the property of their respective owners. 11/10.