Statement Period Oct 11, 2024 - Nov 12, 2024

Statement Date Nov 12, 2024

Account # 3792 XXXXXX 52012
Page 1 of 4

6019 STEELES AVENUE EAST Scotiabank American

TORONTO ON M1V 5P7
Express Card

If you have any questions about this

statement, call us at:
MR MUHAMMAD HAYAT 1-888-861-5443 / 416-701-7820
37 KETCHUM CRES
MARKHAM ON L3S 3G2
Due This Statement
Payment Due Date Dec 9, 2024
Total Minimum Payment $141.30
New Balance‡ = $7,347.62

Borrowers on this account: Account Summary

MR MUHAMMAD HAYAT
Current minimum payment $141.30

Previous balance, Oct 10/24 $7,300.30

This statement covers transactions posted to your account during the Statement Period.
Interest + $131.30
Scene+TM Summary Payments/credits - $200.00
Purchases/charges + $116.02
Based on your eligible purchases, below are the Scene+ points you
have earned on your Scotiabank American Express account, for this Account Balance‡‡ = $7,347.62
statement period. Scene+ points earned, but not yet posted to your
Credit limit $7,500.00
account may not be reflected as of your statement date.
Available credit $152.38

For more information on your current Scene+ points balance,

includingbonus points, points adjustments or points redeemed Interest Information
visit https://www.sceneplus.ca or call 1-866-586-2805. Annual interest rate(s) for the statement period:
Cash Advances 22.99%
Points earned (3x earn rate**) 0 Purchases 19.99%
Points earned (2x earn rate**) 0
Points earned (1x earn rate**) 117 Estimate of the time it will take to pay the
"Account Balance" shown on this statement,
Points earned _ Total 117
through minimum payments*** : 60 year(s) and 2
month(s).
** Scene+ points earned and earn rate(s) are subject to change. Refer
to the Scene+ Rewards Program and the section 'Additional Terms
and Conditions for Scotiabank American Express Cardmembers' at
www.sceneplus.ca/terms-and-conditions for more details. The list of
eligible locations may be changed from time to time without notice.
See full list of eligible locations across Canada at
Scotiabank.com/participatingstores.

Transactions since your last statement

TRANS. POST
REF.# DATE DATE DETAILS AMOUNT($)

MR MUHAMMAD HAYAT - 3792 XXXXXX 52012

001 Oct 13 Oct 15 KLASSIC CAR WASH 20919553MISSISSAUGA 39.54
ON
002 Oct 15 Oct 17 APPLE.COM/BILL TORONTO ON 18.06
003 Oct 16 Oct 18 APPLE.COM/BILL TORONTO ON 13.55
004 Oct 24 Oct 25 ROGERS ******9144 888-764-3771 ON 26.25
005 Oct 28 Oct 29 APPLE.COM/BILL TORONTO ON 4.51
006 Oct 28 Oct 29 PAYMENT - CIBC CA 200.00-

Continued on page 3
 Statement Period Oct 11, 2024 - Nov 12, 2024
Statement Date Nov 12, 2024
Account # 3792 XXXXXX 52012
Page 2 of 4

Scotiabank American Express Card

INFORMATION ABOUT YOUR SCOTIABANK STATEMENT

exchange rate in effect on the transaction date.
Review your statement carefully: If you believe there is an error, contact us through any branch or at
When the transaction is posted to your Account, in addition to the
any number listed on this statement within 15 days of your statement date. Otherwise it is considered
exchange rate, you may be charged a foreign currency conversion
correct (except any item or credit posted in error).
mark-up for each transaction. The mark-up is disclosed on your
Other Important Information: This statement is a summary only. Review the agreements that apply to Disclosure Statement and applies to both debit and credit transactions.
your Account including: the Credit Agreement (if you entered into one when you applied), your For payments and Scotia Credit Card Cheques, the exchange rate will be
Personal Credit Agreement Booklet (if you received one), the Revolving Credit Agreement and the the posted rate charged to customers at any of our branches on the date
Disclosure Statement or other disclosures we provide to you (all the "Account Agreements") for more the transaction occurs. For any reversal of these foreign currency
details about this Account. transactions, the exchange rate will be determined in the same manner
as of the date the transaction is reversed. The Bank's exchange rate may
1. PAYMENTS: The TOTAL MINIMUM PAYMENT on this statement includes your current minimum
not be same rate as the exchange rate set by American Express. For cash
payment, and if you have an Installment Plan, any Current Installment Payment and any amount(s)
withdrawals made from ABMs outside of Canada using a ScotiaCard
shown as overdue or overlimit. Overdue or overlimit amount(s) must be paid in full. We must receive
debit card to obtain a cash advance on the Account, the exchange rate is
your Total Minimum Payment by the PAYMENT DUE DATE shown on your statement.
determined by the appropriate network on our behalf on the date that
If your Account goes into default and we demand the balance in full, we will no longer send
the transaction is settled with that network. This exchange rate may be
statements. However, we will continue to charge interest on your Account.
different from the exchange rate in effect on the transaction date.
‡‡
"Account Balance" is the total amount of your previous balance (from your prior statement), plus, When the transaction is posted to your Account, in addition to the
as of your statement date, all new Transactions posted to your Account including interest and fees or exchange rate, you will be charged a foreign currency conversion
other Transactions, minus any payments and credits. If you have a Scotia SelectPay Plan, it also mark-up for each transaction. The mark-up, if any, is disclosed on your
includes any eligible Purchases converted into a Plan and posted to your Account as of your Disclosure Statement and applies to both debit and credit transactions.
statement date including any interest or fees relating to that Plan.
For a transaction with your Account in Canadian dollars with a merchant
‡
New Balance equals the Account Balance if you have no Scotia SelectPay Plans (except if your located outside of Canada, a Cross Border Transaction Fee will be
Account has a credit balance). charged for each transaction. The fee is disclosed on your Disclosure
We reserve the right to hold funds until your payment has cleared. This may temporarily affect your Statement.
available credit.
6. REPORT A LOST OR STOLEN CARD, PIN OR UNAUTHORIZED USE: If your
Please refer to your Account Agreements for information about the minimum payment or how your
Card, (including a Cheque), PIN or Password is LOST OR STOLEN or you
payments are applied to your Account.
suspect UNAUTHORIZED USE of your Card, PIN, Password or Account
2. INTEREST CHARGES: We calculate interest on the portion of your debt to which interest applies please contact us IMMEDIATELY at any of these numbers:
using the annual interest rate(s) shown on the front of your statement, or which we have notified Within Canada 1-800-387-6466; Outside Canada (Collect) 416-288-1440.
you of separately.
When you tell us that a Card, PIN or Password was lost or stolen, we will
We will not charge interest on any new purchases and interest-bearing fees (annual fees, block the Account to prevent unauthorized use. As such, you will not be
dishonoured payment fee, dishonoured Scotia Credit Card Cheque fees, replacement fees and liable for any transactions made on the Account that occur after you tell
overlimit fees) if we receive payment, by the PAYMENT DUE DATE, of the entire balance (the New
us that a Card, PIN or Password was lost or stolen because we will
balance) on the statement on which they first appear. If your New balance on this statement is not
consider that unauthorized use. Review your Account Agreements to
paid in full by the PAYMENT DUE DATE, we will charge interest on all new purchases and
learn more about how you can avoid unauthorized use on your Account.
interest-bearing fees from their transaction date to the date they are paid in full. If you have a
If you have general questions about your statement or your Account, you
Scotia SelectPay Plan, see your Scotia SelectPay terms and conditions for more details on how interest
can write to us at:
is charged and any interest-free grace period that applies. Interest is charged and is payable on each
Cash Advance (including balance transfer, Scotia® Credit Card Cheque and cash-like transaction) from Scotiabank Credit Card Centre
the transaction date shown on the statement to the date it is repaid in full. There is no P.O. Box 4100 Station A

interest-free grace period for Cash Advances. We calculate interest on your debt using the Toronto ON M5W 1T1

"Average Daily Balance" (as further described below) but we only add it to your debt once a month 7. PAYMENT OPTIONS: You can make payments at a Scotiabank branch, by
on each statement period. mail to the address shown above, through Scotia OnLine banking or
If interest applies, we calculate the amount of interest as follows: · add the amounts you owe each mobile banking, by telephone, at an ABM, another financial institution,
day in each Transaction category (for example, the amount of Purchases, Advances and Cash or any other way acceptable to us. Payments are not processed to your
Advances (less any applicable payments or credits)) and divide that total by the number of days in account until we receive them. Depending on the method used,
your statement period (usually 30 or 31). This is your average daily balance for the total amount you payments may take several days to reach us. You are responsible to
owe (the "Average Daily Balance"); then · multiply the Average Daily Balance by the daily interest make sure your payment is received by us in a timely manner so that we
rate(s) that applies (the daily interest rate(s) is equal to the annual interest rate(s) divided by 365 or have sufficient time to process it to your Account by the payment due
366 in a leap year); then · multiply the result by the number of days in your statement period. The date.
total is the amount of interest we charge. If different daily interest rate(s) apply to the Average 8. *** ESTIMATE OF THE TIME IT WILL TAKE TO PAY THE OUTSTANDING
Daily Balance, we use the different daily interest rate(s) applicable in our above calculation (for BALANCE: This calculation is approximate and is for informational
example, we will use a different daily interest rate for a promotional rate balance than a regular
purposes only. The calculation assumes: (i) the Account Balance on this
rate balance).
statement is rounded up to the nearest $100; (ii) the first minimum
Any unpaid interest on your current statement is added to the balance on your next statement. payment is the amount shown as the TOTAL MINIMUM PAYMENT box,
However, we do not charge interest on interest. including any overlimit or overdue amount(s); (iii) each subsequent
Interest is charged at the rate(s) applicable under the Account Agreements both before and after minimum payment is based on a declining balance and a declining
the final payment date, maturity, default and judgment, until the Account has been paid off in full. minimum payment; (iv) each minimum payment will be received by us on
Interest appearing on this statement is calculated only to the statement date. We will continue to its corresponding payment due date; (v) monthly interest is added to the
charge interest on the amounts you owe until we receive payment in full. This interest will be Account using a constant interest rate equal to the current Preferred
reflected on your next statement. Rate for purchases, except that the higher Standard Rate for purchases is
used if that rate is currently applicable to your Account; and (vi) monthly
Please refer to "Adding Interest to your debt" section in your Revolving Credit Agreement for more
interest is calculated by multiplying the entire projected Account Balance
information on how we calculate interest.
for each statement period by the annual interest rate, then dividing by
3. INTEREST RATE CHANGES: We will tell you the applicable interest rates on your Account. We may 360, and then multiplying by 30. The actual time to pay your Account
change these rates from time to time as described in our Account Agreements and as permitted by Balance will depend on various factors including the actual interest
applicable law. For variable interest rate accounts, interest is composed of two factors: our prime rate(s) that apply and amounts, timing and payment application, the
rate and an adjustment factor. We will change our prime rate from time to time and will post a nature of any Transactions and any applicable grace periods.
notice of this in our branches. We may also change the adjustment factor, but we will give you prior This estimate does not include any Transactions not yet posted to your
notice with the effective date of the change. Account.

4. TRANSACTION & POSTING DATES: These dates are shown next to each Transaction on your
statement; "TRANS DATE" is the date the Transaction occurred; and "POST DATE" is the date the ®
Registered trademark of The Bank of Nova Scotia.
Transaction is applied (posted) to your Account.
TM
Trademarks of The Bank of Nova Scotia.
5. TRANSACTIONS IN FOREIGN CURRENCY/CROSS BORDER: See the section "Dealing with transactions American Express is a registered trademark of American Express. This
in a foreign currency" in your Revolving Credit Agreement for full details about Foreign Currency credit card program is issued and administered by The Bank of Nova Scotia
and your Disclosure Statement or other disclosures for any foreign currency conversion mark-up(s) under license from American Express.
that may apply. All other marks are the respective property of their owners.
For transactions in a foreign currency other than U.S. dollars, the amount is converted to U.S. dollars
and then to Canadian dollars. The exchange rate is determined by American Express on the date the
transaction is processed by American Express. This exchange rate may be different from the Date revised October 2023
 Statement Period Oct 11, 2024 - Nov 12, 2024
Statement Date Nov 12, 2024
Account # 3792 XXXXXX 52012
Page 3 of 4

Scotiabank American
Express Card

Transactions - continued
TRANS. POST
REF.# DATE DATE DETAILS AMOUNT($)

007 Oct 29 Oct 30 APPLE.COM/BILL TORONTO ON 14.11

008 Nov 12 Nov 12 INTEREST CHARGES-PURCHASE 131.30
SUB-TOTAL CREDITS - 3792 XXXXXX 52012 $200.00 -
SUB-TOTAL DEBITS - 3792 XXXXXX 52012 $247.32

Interest charges posted on statement date

Cash advances/cheques $0.00
Special rate offers $0.00
Purchases $131.30

In the event of a postal disruption, you are responsible for

continuing to make your payments and keeping your account
in good standing by making at least your Minimum Payments
by the Payment Due Dates shown on your statement. You can
obtain information about your Scotiabank credit card or line of
credit statement's Minimum Payment and Due Date and make
a payment through Scotia OnLine or mobile banking services.
To register for online services, visit www.scotiabank.com or
download the Scotiabank app. To pay your bill in person,
please visit any Scotiabank branch. You can also call
1-800-4SCOTIA to speak with a representative about your
statement or to get additional information.
Statement Period Oct 11, 2024 - Nov 12, 2024
Statement Date Nov 12, 2024
Account # 3792 XXXXXX 52012
Page 4 of 4

Scotiabank American Express Card