Statement Period - Jul 8, 2021

P Statement date Jul 8, 2021

Account # 4538 264 518 817 015
Page 1 of 4

SCOTIA PLAZA, 44 KING STREET W., Scotia Momentum®

TORONTO, ON M5H 1H1
VISA Infinite* Card

SBVREP_10100_D21189_A E S 80002
If you have any questions about this
statement, call us at:
MR ABHAY B PANDA 1-888-267-1609 / 416-288-3931
12 SARGENT LANE TTY Service 1-800-645-0288
TORONTO, ON M4E 3T9
Payment due date Jul 29, 2021
Total minimum payment $10.00
Current minimum payment $10.00

Borrowers on this account; Previous balance $0.00

MR ABHAY B PANDA Interest + $0.00
Payments/credits - $0.00
Purchases/charges + $1,214.06

New balance = $1,214.06

This statement covers transactions posted to your account during the Statement Period.
Credit limit $15,000.00
Credit available $13,785.00
Scotia Momentum Cash Back Summary
Based on your eligible purchases, we have calculated the Interest Information
earnings on your Scotia Momentum VISA Infinite card as Annual interest rates as of statement date:
follows: Cash advances 22.99%
Purchases 20.99%
4% Cash Back* = $12.15
2% Cash Back* = $1.37
1% Cash Back* = $8.42
Total Cash Back Earned = $21.94
*4% cash back is earned on eligible Recurring Bill Payments
and Grocery Store purchases; 2% cash back is earned on
eligible Gas and Daily Transit purchases; 1% cash back is
earned on all other eligible purchases.

In November, your annual cash back reward will either be

deposited into an eligible Scotiabank Canadian Dollar
personal chequing or savings bank account or it will be
114091

credited to your credit card statement. See full details about

your Scotiabank Cash Back Rewards program at
HRI - - 2 - 1 - 21 - 6-

scotiabank.com

To maximize your cash back, use your Scotia Momentum VISA

Infinite card for all your day-to-day purchases.
SBVREP_10100_D21189_A - 0034299

Transactions since your last statement

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

MR ABHAY PANDA - 4538 264 518 817 015

001 Jun 18 Jun 21 THE HUNNY POT TORONTO ON 11.55
002 Jun 18 Jun 21 THE BEER STORE #2410 TORONTO ON 15.75
003 Jun 18 Jun 21 DOMINOS PIZZA #10374 TORONTO ON 18.06
004 Jun 18 Jun 21 PRESTO TORONTO ON 20.00
005 Jun 19 Jun 21 RA-20631 SCARBOROUGH ON 4.84
006 Jun 19 Jun 21 RA-TORONTOZOO-20651 TORONTO ON 5.00
007 Jun 19 Jun 21 ROGERS *865570527 888-764-3771 ON 67.05
008 Jun 20 Jun 22 ALI 'S WEST INDIAN ROTI TORONTO ON 11.87
009 Jun 21 Jun 22 UBER *EATS HELP.UBER.COM Amsterdam BC 41.59

Continued on page 3
 Statement Period - Jul 8, 2021
Statement date Jul 8, 2021
Account # 4538 264 518 817 015
Page 2 of 4

Scotia Momentum VISA Infinite Card

INFORMATION ABOUT YOUR SCOTIABANK STATEMENT

Review your statement carefully: If you believe there is an error, contact us through For Scotiabank Visa credit card payments and Scotia Credit
any branch or at any number listed on this statement within 15 days of your statement Card Cheques: The exchange rate will be the posted rate
date. Otherwise it is considered correct (except any item or credit posted in error). charged to customers at any of our branches on the date the
Other Important Information: This statement is a summary only. Review the Transaction occurs. For any reversal of these Transactions, the
Agreements that apply to your Account including: the Credit Agreement (if you exchange rate will be determined in the same manner as of
entered into one when you applied), your Personal Credit Agreement Booklet (if you the date the Transaction is reversed. The Bank's exchange rate
may not be the same rate as the exchange rate set by Visa Inc.
received one), the Revolving Credit Agreement (received with your Card) and the
Disclosure Statement or other disclosures we send you (all the "Account Agreements") For Scotia Line of Credit accounts: Foreign currency
for more details about this Account. transactions are not permitted, except when using a ScotiaLine
access card.
1. PAYMENTS: The TOTAL MINIMUM PAYMENT on this statement includes your
minimum payment and any amount(s) shown as overdue or overlimit. Overdue or 6. HOW TO CONTACT US OR TO REPORT A LOST OR STOLEN
overlimit amount(s) must be paid in full. We must receive your minimum payment CARD, PIN OR UNAUTHORIZED USE. If your Card, (including a
by the PAYMENT DUE DATE shown on your statement. Your payment options are Cheque), PIN or Password is LOST OR STOLEN or you suspect
shown below. UNAUTHORIZED USE of your Card, PIN, Password or Account
please contact us IMMEDIATELY at any of these numbers:
If your Account goes into default and we demand the balance in full, we will no
longer send statements. However, we will continue to charge interest on your U Toronto area 416-288-1440
Account. U All other area codes within Canada 1-800-387-6466
We reserve the right to hold funds until your payment has cleared. This may U Outside Canada (Collect) 416-288-1440
temporarily affect your available credit. When you tell us that a Card, PIN or Password was lost or
Please refer to your Account Agreements for information about the minimum stolen, we will block the Account to prevent unauthorized use.
payment or how your payments are applied to your Account. As such, you will not be liable for any transactions made on
2. INTEREST CHARGES: We calculate interest on the portion of your debt to which the Account that occur after you tell us that a Card, PIN or
interest applies using the annual interest rate(s) shown on the front of your Password was lost or stolen because we will consider that
statement, or which we have notified you of separately. unauthorized use. Review your Account Agreements to learn
more about how you can avoid unauthorized use on your
For Scotiabank Visa credit card accounts, we will not charge interest on any new
Account.
purchases and interest-bearing fees (annual fees, dishonoured payment fee,
dishonoured Scotia Credit Card Cheque fees, replacement fees and overlimit fees) if If you have general questions about your statement or your
we receive payment, by the PAYMENT DUE DATE, of the entire balance on the Account, you can write to us at:
statement on which they first appear. If your current balance on this statement is Scotiabank Contact Centres, P. O. Box 4100, Postal Station "A"
not paid in full, we will charge interest on all new purchases and interest-bearing Toronto, Ontario M5W 1T1
fees from their transaction date to the date they are paid in full. Note that
7. PAYMENT OPTIONS:
purchases made with your ScotiaLine access card are treated as advances.
U Option 1: Pay your Account at:
Interest is charged and is payable on each cash advance, balance transfer, Scotia®
- Scotia OnLine® Financial Services:
Credit Card Cheque and cash-like transaction on a Scotiabank credit card and all
www.scotiaonline.scotiabank.com
advances on a line of credit from the transaction date shown on the statement to
- Scotiabank ABM in Canada (except Scotiabank U.S. Dollar
the date it is repaid in full. There is no interest-free grace period for cash advances,
VISA card)
balance transfers, Scotia Credit Card Cheques and cash-like transactions on a credit
- TeleScotia® automated telephone banking at
card or advances on a line of credit.
1-800-267-1234
We calculate interest on your debt daily but we only add it to your debt once a
U Option 2: At any Scotiabank branch in Canada.
month on each statement. We calculate the amount of daily interest by adding any
new transactions (including new advances) and subtracting any payments and then U Option 3: Use the branch, ABM, telephone or mobile and
multiplying the unpaid balance of the debt on which interest is payable by the online banking services of any other financial institution in
annual interest rate then dividing by 365 or 366 in a leap year. Interest is charged on Canada.
a leap day in a leap year. Any unpaid interest on your current statement is added to U Option 4: By mail to the address shown above. Make your
the balance on your next statement. However, we do not charge interest on payment payable to Scotiabank. Complete and return the
interest. payment slip attached to your statement (if applicable)
Interest is charged at the rate(s) applicable under the Account Agreements both along with your payment.
before and after the final payment date, maturity, default and judgment, until the PLEASE WRITE YOUR ACCOUNT NUMBER ON THE FRONT OF
account has been paid off in full. YOUR CHEQUE OR MONEY ORDER (payable to Scotiabank).
Interest appearing on this statement is calculated only to the statement date. We For Options 3 or 4: Please allow time for your payment to
will continue to charge interest on the amounts you owe until we receive payment reach us so that we have time to process it and apply it to your
in full. This interest will be reflected on your next statement. To pay off the full Account.
amount you owe and stop interest from accruing, ask your branch for your payout 8. *** ESTIMATE OF THE TIME IT WILL TAKE TO PAY THE
balance and pay that amount at the branch the same day. This figure may not OUTSTANDING BALANCE FOR CREDIT CARD ACCOUNTS: This
include insurance premiums and/or transactions not posted to your Account. calculation is approximate and for informational purposes
3. INTEREST RATE CHANGES: We will tell you the applicable interest rates on your only. The calculation assumes: (i) the outstanding balance on 114092
Account. We may change these rates from time to time as described in our Account this statement is rounded up to the nearest $100; (ii) the first
Agreements and as permitted by applicable law. For variable interest rate accounts, minimum payment is the amount shown in the TOTAL
interest is composed of two factors: our prime rate and an adjustment factor. We MINIMUM PAYMENT box, including any overlimit or overdue
SBVREP_10100_D21189_A - 0034299

will change our prime rate from time to time and will post a notice of this in our amount; (iii) each subsequent minimum payment is based on a
branches. We may also change the adjustment factor, but we will give you prior declining balance and a declining minimum payment; (iv) each
notice with the effective date of the change. minimum payment will be received by us on its corresponding
4. TRANSACTION & POSTING DATES: These dates are shown next to each transaction payment due date; (v) monthly interest is added to the
on your statement; "TRANS DATE" is the date the transaction occurred; and "POST Account using a constant interest rate equal to the current
DATE" is the date the transaction is applied (posted) to your Account. Preferred Rate for purchases, except that the higher Standard
Rate for purchases is used if that rate is currently applicable to
5. TRANSACTIONS IN FOREIGN CURRENCY: See the section "Dealing with transactions
your Account; and (vi) monthly interest is calculated by
in a foreign currency" in your Revolving Credit Agreement for full details about
multiplying the entire projected outstanding balance for each
Transactions in a Foreign Currency and your Disclosure Statement or other
statement period by the annual interest rate(s), then dividing
disclosures for any foreign currency conversion mark-up(s) that may apply.
by 360, and then multiplying by 30. The actual time to pay
For Scotiabank U.S. Dollar Visa credit card accounts: Transactions in a currency other
your outstanding balance will depend on various factors
than U.S. dollars are charged or credited to your Account in U.S. dollars.
including actual interest rate(s) that apply and amounts,
For other Scotiabank Visa credit card accounts and ScotiaLine access cards:
timing and payment application, the nature of any
Transactions in a foreign currency are charged or credited to your Account in
transactions and any applicable grace periods.
Canadian dollars. The exchange rate is determined by Visa Inc. on our behalf on the
date that the Transaction is settled with Visa Inc. This exchange rate may be
®/TM
Registered trademarks or trademarks of The Bank of Nova
different from the rate in effect on the transaction date. When the Transaction is Scotia.*Visa Int./Lic. User.
posted to your Account, in addition to the exchange rate, you may be charged a All other marks are the respective property of their owners.
foreign currency conversion mark-up for each transaction. The mark-up is disclosed
in your Disclosure Statement and applies to both debit and credit transactions. Date revised July 2019
 Statement Period - Jul 8, 2021
Statement date Jul 8, 2021
Account # 4538 264 518 817 015
Page 3 of 4

Scotia Momentum
VISA Infinite Card

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

010 Jun 24 Jun 25

THAI ISLAND RESTAURANT TORONTO ON 12.37
011 Jun 26 Jun 28
ROCCO'S NO FRILLS #364 TORONTO ON 45.74
012 Jun 27 Jun 28
WATSON FARMS BOWMANVILLE ON 24.00
013 Jun 27 Jun 28
PIONEER # 368 TORONTO ON 48.32
014 Jun 27 Jun 28
FIDO Mobile *500551783 888-481-3436 ON 159.15
015 Jul 2 Jul 5
RABBA FINE FOODS 171 TORONTO ON 5.49
016 Jul 3 Jul 5
SQ *SWEET BEETS HAMILTON Hamilton ON 15.95
017 Jul 3 Jul 5
DUTCH LOVE DANFORTH SCARBOROUGH ON 27.26
018 Jul 3 Jul 6
FRESHCO #9679 SCARBOROUGH ON 19.49
019 Jul 4 Jul 6
BEACHES N' CREAM TORONTO ON 6.00
020 Jul 6 Jul 7
RABBA FINE FOODS 171 TORONTO ON 6.91
021 Jul 6 Jul 7
CITY OF TORONTO COURT SER TORONTO ON 98.50
022 Jul 6 Jul 8
UBER *EATS HELP.UBER.COM ON 12.01
023 Jul 7 Jul 8
CFA Institute 434-9515499 VA AMT 537.16
419.35 UNIT ED STATES DOL LAR
SUB-TOTAL CREDITS - 4538 264 518 817 015 $0.00
SUB-TOTAL DEBITS - 4538 264 518 817 015 $1,214.06

Interest charges posted on statement date

Cash advances/cheques $0.00
Special rate offers $0.00
Purchases $0.00
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Please detach here

HRI - - 2 - 2 - 22 - 6-

ACCOUNT # PAYMENT DUE DATE TOTAL MINIMUM PAYMENT NEW BALANCE AMOUNT PAID
SBVREP_10100_D21189_A - 0034299

4538 264 518 817 015 Jul 29, 2021 $10.00 $1,214.06

Please return this stub with your payment. You can pay this bill:
U Through online at www.scotiabank.com or
MR ABHAY B PANDA telephone banking at 1-800-267-1234
12 SARGENT LANE U At your bank
TORONTO, ON M4E 3T9 U By mailing a cheque or money order, payable
to Scotiabank, in the enclosed envelope. Write
your account number on the front of your
cheque or money order.

45382645188170150000100000121406453826451881701500001000001214060
 Statement Period - Jul 8, 2021
Statement date Jul 8, 2021
Account # 4538 264 518 817 015
Page 4 of 4

Scotia Momentum VISA Infinite Card

Get secure and convenient access to your account

information with eStatements
Securely manage your finances online with access to past and
current statements.
Ready to get started?
Go to: www.scotiabank.com/estatements

Estimate of the time it will take to pay the "New Balance"

shown on this statement, through minimum payments*** :
10 Years and 10 Months.

Please do not write in this space

114094
SBVREP_10100_D21189_A - 0034299