Common use of SUPPLEMENTARY CARDMEMBERS Clause in Contracts

SUPPLEMENTARY CARDMEMBERS. Purchases made by a Supplementary Cardmember will earn Scene+ Points for the benefit of the Primary Scene+ Cardmember on the Program Card Account (not the Co-Borrower on the Program Card Account). Supplementary Cardmembers earn the same number of Scene+ Points on purchases as the Primary Scene+ Cardmember (and Co-Borrower) earn, unless we advise you otherwise. 3.3 Bonus Scene+ Points: Scotiabank may offer additional bonus Scene+ Points (the “Bonus Points”) from time to time and these Bonus Points offers may be for time-limited periods. Any Bonus Points that may be offered to you under these Additional Terms and Conditions for Scotiabank American Express Cardmembers will be applied to the Primary Scene+ Cardmember’s Account, irrespective of how Bonus Points were earned. These Bonus Points may be earned for opening a Program Card Account with us or other activity on the Program Card or Program Card Account and can be issued for other transactions associated with the Program Card. These offers may also be available with third parties that are authorized by Scotiabank to provide these offers to you. Scotiabank will disclose the terms and conditions that apply to the Bonus Points if applicable, including if they are being provided to you by a third party. These Additional Terms and Conditions for Scotiabank American Express Cardmembers continue to apply to Bonus Points. 3.4 Additional Offers: In addition to any Bonus Points, we may make additional offers to you (including time-limited offers) from time to time that may be from Scotiabank or other third parties including the third parties that are part of these Additional Terms and Conditions for Scotiabank American Express Cardmembers (the “Additional Offers”) that you will be notified about or that we will provide to Scotiabank Scene+ Cardmembers from time to time as part of these Additional Terms and Conditions for Scotiabank American Express Cardmembers. We will provide you with any additional terms and conditions that apply to those Additional Offers when they are available. These Additional Terms and Conditions for Scotiabank American Express Cardmembers continue to apply to Additional Offers. 3.5 Checking your Scene+ Points Balance: Your monthly account statement (“statement”) for the Program Card Account will detail the number of any Scene+ Points earned on your Program Card(s) associated with the Program Card Account since the previous statement (for the prior statement period), the balance of Scene+ Points carried forward from a previous statement (for the prior statement period), the number of Scene+ Points adjusted in that statement (for the prior statement period) and the new Scene+ Points balance associated with the Program Card Account. Scene+ Points information for a Program Card Account is also available by logging into the Program Site where Scene+ Points balances are updated daily for your Scene+ Account based on the transactions that have been posted to the Program Card Account as of that date. Transactions may require 2-3 business days to be posted to the Scene+ Account after they are posted to the Program Card Account and the Scene+ Points balance shown may not always be up to date. In the event of a discrepancy between the Scene+ Points on your statement and the information provided on the Program Site, the information provided on the Program Site will be deemed as the most accurate Scene+ Points balance including that related to Scene+ Points associated with your Scene+ Account and Program Card Account.

SUPPLEMENTARY CARDMEMBERS. Purchases made by a Supplementary Cardmember will earn Scene+ Points for the benefit of the Primary Scene+ Cardmember on the Program Card Account (not the Co-Borrower on the Program Card Account). Supplementary Cardmembers earn the same number of Scene+ Points on purchases as the Primary Scene+ Cardmember (and Co-Borrower) earn, unless we advise you otherwise. 3.3 Bonus Scene+ Points: Scotiabank may offer additional bonus Scene+ Points (the “Bonus Points”) from time to time and these Bonus Points offers may be for time-time- limited periods. Any Bonus Points that may be offered to you under these Additional Terms and Conditions for Scotiabank American Express Cardmembers will be applied to the Primary Scene+ Cardmember’s Account, irrespective of how Bonus Points were earned. These Bonus Points may be earned for opening a Program Card Account with us or other activity on the Program Card or Program Card Account and can be issued for other transactions associated with the Program Card. These offers may also be available with third parties that are authorized by Scotiabank to provide these offers to you. Scotiabank will disclose the terms and conditions that apply to the Bonus Points if applicable, including if they are being provided to you by a third party. These Additional Terms and Conditions for Scotiabank American Express Cardmembers continue to apply to Bonus Points. 3.4 Additional Offers: In addition to any Bonus Points, we may make additional offers to you (including time-limited offers) from time to time that may be from Scotiabank or other third parties including the third parties that are part of these Additional Terms and Conditions for Scotiabank American Express Cardmembers (the “Additional Offers”) that you will be notified about or that we will provide to Scotiabank Scene+ Cardmembers from time to time as part of these Additional Terms and Conditions for Scotiabank American Express Cardmembers. We will provide you with any additional terms and conditions that apply to those Additional Offers when they are available. These Additional Terms and Conditions for Scotiabank American Express Cardmembers continue to apply to Additional Offers. 3.5 Checking your Scene+ Points Balance: Your monthly account statement (“statement”) for the Program Card Account will detail the number of any Scene+ Points earned on your Program Card(s) associated with the Program Card Account since the previous statement (for the prior statement period), the balance of Scene+ Points carried forward from a previous statement (for the prior statement period), the number of Scene+ Points adjusted in that statement (for the prior statement period) and the new Scene+ Points balance associated with the Program Card Account. Scene+ Points information for a Program Card Account is also available by logging into the Program Site where Scene+ Points balances are updated daily for your Scene+ Account based on the transactions that have been posted to the Program Card Account as of that date. Transactions may require 2-3 business days to be posted to the Scene+ Account after they are posted to the Program Card Account and the Scene+ Points balance shown may not always be up to date. In the event of a discrepancy between the Scene+ Points on your statement and the information provided on the Program Site, the information provided on the Program Site will be deemed as the most accurate Scene+ Points balance including that related to Scene+ Points associated with your Scene+ Account and Program Card Account.