Statement Period Apr 19, 2024 - May 21, 2024

6 Statement date May 21, 2024

Account # 4535 091 566 605 015
Page 1 of 3

P.O.BOX 998 Scotiabank Value®

STETTLER, AB T0C 2L0
VISA* card

SBVRED_10100_D24142_A E D 70409
If you have any questions about this
statement, call us at:
MS ALICE F WALSTROM 1-800-387-6556 / 416-288-1460
PO BOX 2173 TTY Service 1-800-645-0288
4904 49TH STREET
STETTLER, AB T0C 2L0 Payment due date Jun 17, 2024
Total minimum payment $64.80
Current minimum payment $64.80

Previous balance, Apr 18/24 $4,728.08

Borrowers on this account; Interest + $54.80
MS ALICE F WALSTROM Payments/credits - $57.96
Purchases/charges + $0.00

New balance = $4,724.92

This statement covers transactions posted to your account during the Statement Period.
Credit limit $5,500.00
Credit available $775.00
Transactions since your last statement
TRANS. POST Interest Information
REF.# DATE DATE DETAILS AMOUNT($) Annual interest rates as of statement date:
Cash advances 12.99%
001 May 14 May 14 PAYMENT-THANK YOU SCOTIABANK TRANSIT 57.96-
70409 STETTLER AB Purchases 12.99%
002 May 21 May 21 INTEREST CHARGES-CASH 43.69
003 May 21 May 21 INTEREST CHARGES-PURCHASE 11.11
SUB-TOTAL CREDITS $57.96-
SUB-TOTAL DEBITS $54.80

Interest charges posted on statement date

Cash advances/cheques $43.69
Special rate offers $0.00
061561

Purchases $11.11
HRI - - 2 - 1 - 28 - -

Important Notice: The Preferred Annual Interest Rate on

Purchases, Cash Advances and Balance Transfers on your
Account is changing from 12.99% to 13.99% effective as of
August 1, 2024. These rates will apply the first day after your
August 2024 statement date. Please keep a copy of this
SBVRED_10100_D24142_A - 0021213

notice for your records.

As per your instructions, your payment due (minimum or full

balance) will be automatically debited from your designated
account if funds are available.
All automated payments made from a non-Scotiabank
account may be held by us and not available to use on the
account for 5 business days.
For more info about pre-authorized payments, visit
scotiabank.com/terms/PAD.
 Statement Period Apr 19, 2024 - May 21, 2024
Statement date May 21, 2024
Account # 4535 091 566 605 015
Page 2 of 3

Scotiabank Value VISA 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 061562
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
SBVRED_10100_D24142_A - 0021213

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 Apr 19, 2024 - May 21, 2024
Statement date May 21, 2024
Account # 4535 091 566 605 015
Page 3 of 3

Scotiabank Value
VISA card

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

shown on this statement, through minimum payments*** :
39 Years and 7 Months.
061563
HRI - - 2 - 2 - 29 - -
SBVRED_10100_D24142_A - 0021213
SBVRED_10100_D24142_A - 0021213 061564