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@¼anjaeKoana (Debit purchase transactions) AaEr Interact flash †† transaction (}n@r]K@ ÝlaEoa †† @¼anjaeKoana)par SCENE (saIna) A>k id] jaayae>gae _ SCENE ScotiaCard (saIna skaeioayaakaD| )ke } staemaala sae Aija|ta A>k ka Deiba@ laena-dena kI AvasYaa mae> hr 2 sae 3 vyaapaarI idnaae> mae> taYaa skaeioayaa baE>k saa}na Apa(sign up) ]>va baEik>ga rIlaeoana Aaâfr mae> hr mahInae navaInaIkrNa ikyaa jaayaegaa_ Aapa hr $ 5 ke Apanae Deiba@ SarIddarI par 1 SCENE (saIna) A>k taYaa saimmailata iYayae@r taYaa online at cineplex.com mae> hr $ 1 Saca| krnae par 5 SCENE (saIna) A>k Aija|ta kre>gae>_ SCENE (saIna) A>k isaò| Cineplex Entertainment Theatres (isanaeplaEKsa }n@r@enmaE>@ iYayae@r) mae> badlaa jaayaegaa taYaa Anya paeoakoa (yaa }|naama) scene.ca par_ kuC oatae|> AaEr saImaayae> laagaU rhe>gaI _ paUrI jaanakarI ke ila] scene.ca par jaayae>_ 14. daenaae> SCENE ® VISA * (saIna vaIsaa) AaEr L’earn ® kaD| ke Vara SarId par byaaja kI dr 19.99% rhegaI; nagad paeoagaI, bakayaa Baugataana AaEr Scotia ® VISA (vaIsaa)caEkae> par byaaja dr 21.99% rhegaa _ byaaja dre>, vaaiPa|k oaulk AaEr daenaae> kaDae|> kI sauivaZaayae> 1 ApaREla 2011 sae paRBaavaI rhe>gaI AaEr qnhe> ibanaa iksaI naaei@sa ke badlaa jaa saktaa hE _ Aapa hr $ 1 ke Apanae Deiba@ SarIddarI par 1 SCENE A>k taYaa saimmailata Cineplex Entertainment Theatres (isanaeplaEKsa }n@r@enmaE>@ iYayae@r) taYaa online at cineplex.com mae> hr $ 1 Saca| krnae par 5 SCENE (saIna) A>k Aija|ta kre>gae>_ SCENE A>k isaò| Cineplex Entertainment Theatres (isanaeplaEKsa }n@r@enmaE>@ iYayae@r)mae> badlaa jaayaegaa taYaa Anya paeoakoa(yaa }|naama ) scene.ca par_ +ya vaapasaI (purchase returns), Baugataana, nagad paeoagaIyaa>, Scotia VISA (vaIsaa)caEkae>, +eiD@ vaaqcarae>, kaD| òIsa, byaaja oaulk AaEr saiva|sa/ laena-dena oaulk Aaid par SCENE (saIna) A>k nahI> id] jaayae>gae _ kuC oatae|> AaEr saImaayae> laagaU rhe>gaI _ paUrI jaanakarI ke ila] scene.ca par jaayae>_ L’earn kaD|Zaark 1% tak vaaipasa kmaa saktae hE> _ +ya vaapasaI (purchase returns), Baugataana, nagad paeoagaIyaa>, Scotia VISA (vaIsaa) caEkae>, kREiD@ vaaqcarae>, kaD| òIsa, byaaja oaulk AaEr saiva|sa/ laena-dena oaulk Aaid par nagad }naama (Moneyback) nahI> id] jaayae>gae _ kuC oatae|> AaEr saImaayae> laagaU rhe>gaI _ paUrI jaanakarI ke ila] jaayae> Scotiabank.com par _ ScotiaLine VISA (vaIsaa) kaD|, Scotiabank Value VISA (vaIsaa)kaD| AaEr No-Fee Scotiabank Value VISA kaD| kae CaeD< kr 14 maaca|, 2011 ke baad }oau yaa rI-}oau ik] ga] saBaI Scotiabank retail credit (skaeioayaa baE>k rI@ela +eiD@) kaD| par VISA payWave (vaIsaa pae vaeva) laagaU rhegaI, AiZak jaanakarI ke ila] scotiabank.com.paywave par jaayae>_ ® The Bank of Nova Scotia. ke rajaIs@D| @¼eDmaak|sa The Bank of Nova Scotia. ke @¼eDmaak|sa kEnaeDa kI ibaj<anaesa maEgaj<aIna AaEr paRitaP#Ita sa>sYaana Vara +imata_ ]k jaanaI-maanaI AntarraP@¼Iya kansail@>ga òma| , AaelaIvar vaeyamaEna , 2009 Vara +imata_ * VISA Int./Lic ka qpayaaegaktaa| The Bank of Nova Scotia ®§ The WESTERN UNION ka naama, laaegaae, AaEr qsasae jauDe @e¼Dmaak|sa AYavaa saiva|sa maak|sa The WESTERN UNION Holdings, Inc kI mailkyata hE>, yae saBaI rajaIs@D| hE>, AaEröyaa }naka }staemaala yaU.]sa taYaa dUsare k}| deoaae> mae> ma>jaUrI sae haetaa hE_ ®* SCENE IP LP ke rijas@¼D @e¼Dmaaak| laa}|sae>sa ke AZaIna paRyauF haetae hE>_ †† Interac, Interac Flash and Pay in flash (ÝlaEoa AaEr paeya }na òlaEoa) Interac Inc. ke @¼eDmaak|sa hE_ paRyaaegaktaa| The Bank of Nova Scotia hE_ Apanae Interac Flash (ÝlaEoa) òIcar Vara Aapa Apanae SCENE ScotiaCard (skaeioayaa kaD|) kae BaagaIdar vyaapaarIyaae> ke spaEoala kaD| rIDr par vaeva yaa @Epa krke Aapa Cae@I SarIddarIyaaã kr saktae hE>_ AaEr jyaada jaanakarI ke ila] > scotiabank.com/flash par jaayae>_ Cineplex Entertainment LP (isanae plaEKsa }>@r@enamaE>n@ LP),laa}|sae>sa AZaIna paRyauF _ hmae> AapakI na}| yaaLaa mae> qicata paramaoa| taYaa sarla samaaZaana Vara Aapakae sahI oauwAata mae> madd krnae de>_ yahI> sae kre> ]k sahI oauWAata_ kEnaeDa mae> sahI oauWAata ke ila] hmaare salaahkar AapakI madd kr saktae hE>_ scotiabank.com/startright par jaayae>_ faena kre> 1-866-800-5159 (kevala qttarI AmarIka mae> - }>iglaoa, fRE>ca, kena@aenaIja, maEnaDeirna, paãjaabaI AaEr spaEinaoa_) skaeioayaabaE>k ke oaaSaa par jaayae>_ जानने लायक महतपूर बा1. ScotiabankStartRight ® (skaeioayaabaeE>k s@a@|ra}@) paRaegaRama1 qna kEnaeiDyana ApaRvaasaIyaae> ke ila] banaayaa gayaa hE ijanhe> kEnaeDa Aayae 0-3 saala tak hu] hE>, }namae> A>tarraP@¼Iya iva^aYaI| AaEr ivadeoaI kamagaar oaaimala hE>_ d Scotiabank StartRight (skaeioayaabaE>k s@a@|ra}@) maae@|gaeja paRaegaRama kEnaeiDyana ApaRvaasaIyaae> taYaa ivadeoaI kamagaarae> ke ila] banaa hE ijanhe> kEnaeDa Aayae 0-5 vaPa| hI hu] hE>_ 2. yah sauivaZaa Scotiabank (skaeioayaa baE>k) mae> nayae Scotia One™ (skaeioayaa vana) ]kaqn@ Saaelanae par ]k vaPa| ke ila] qpalabZa hE_ mauÝta baEik>ga ka matalaba hE ik hma Aapake ]kaqn@ ke isaf| maaisak oaulk kae hI maaf kregae>_ baakI saare oaulk jaae Aapake baEik>ga paEkeja mae> saimmalaIta nahI> hE> laagaU rhe>gae> , ijanamae> vaae AitairF oaulk jaae dUsare ivaTaIya sa>sYaanaae Vara ilayaa jaataa hE ]>va qna maioanaae> ke qpayaaega oaulk jaae Scotiabank (skaeioayaa baE>k )ke nahI> hE> [jaEsae - Interac (}n@rEk), Visa* (vaIsaa) yaa PLUS*(plasa) fIsa] ] oaaimala ha>egae>_ saImaa paar Deiba@ saevaa ke ila] kaD|Zaark saevaa oaulk jaarI rhegaI _ }na saevaaAae> taYaa oaulkae> ke baare mae> AiZak jaanakarI ke ila] k\pyaa De-@U-De baE>kI>ga kmapaEinayana bauklae@ deSae>_ 3. Scotiabank’s (skaeioayaa baE>k) kReiD@ maapadãDae> taYaa saurxaa j<aWrtaae> ke paUra haenae par maanya_ Asaurixata VISA (vaIsaa)kaD| inaocaIta +eiD@ saImaa ke saaYa qpalabZa haegae>; ApaRvaasaI kamagaar AaEr sYaa}| inavaasaIyaae> ke ila] saurixata VISA (vaIsaa)kaD| ke ila] saurxaa raoaI svaI=ta kReiD@ saImaa ka 100% haegaa ]>va A>tarraP@¼Iya iva^aYaI|yaae> ke ila] svaI=ta +eiD@ saImaa ka 120% ke barabar haegaa_ VISA (vaIsaa)kaD| kI saurxaa nagad saurxaa raoaI, Canada Savings Bonds (kEnaeDa saeiva>ga baaânD) yaa Guaranteed Investment Certificate (gaarn@I=ta inavaeoa paRmaaNapaLa) hae saktaI hE _ }sake Aalaavaa vyaiFgata qZaar qtpaadae> ke yaaegya haenae ke ila] Aapakae kEnaeDa ka inavaasaI,]>va vyask haenaa haegaa_ 4. qpalabZataa ]>va saeÝ@I iDpaaija@ baaKsa laIj<a par hstaaxar haenae par maanya haegaa_ 5. maaEjaUda samaya mae> Aa@ae laaena kaya|kRma naIcae id] kar - DIlarae> ke j<air] qpalabZa hE : Kia, Chrysler, Hyundai, Jaguar/Land Rover, Mazda, Mitsubishi taYaa Volvo. yae kaya|+ma kevala AapaRvaasaIyaae> AaEr ivadeoaI kamagaarae> ke ila] hE _ skaeioayaa baE>k kI ivaTaIya oataae|> AaEr inayamaae> ke Anausaar_ DaqnapaeyamaEn@ jawrI haegaI _ 6. yah kevala AavaasaIya maae@|gaeja ke ila] laagaU hE AaEr Scotiabank (skaeioayaa baE>k) AavaasaIya sa>paiTayaae> ke ila] qZaar maanad>D ke AZaIna hE _ laaena - maUlya Anaupaata (LVRs) 50% sae 95% tak kI AiZaktama saImaa haenae par CMHC/ Genworth financial Canada (jaenavaYa| fa}naEnaioayala kEnaeDa) ke maae@|gaeja DIòal@ baImaa kI Aavaoyaktaa hae saktaI hE_ AiZaktama qpalbaZa LVRs 95% sae kma hae saktaI hE_ 7. The Scotia Running Start for business ® (d skaeioayaa rnnaI>ga s@a@| faâr ibaja<naesa) ka baE>ik>ga paEkeja Aapake ibaj<anaesa baE>ik>ga par bacata krtaa hE taYaa ivaoaePa BaagaIdarI paRstaava Vara Aapake vyaapaar ke oauWAata mae> sahayataa paRdana krtaa hE_ 8. skaeioayaa baE>k Western Union Money Transfer (vaes@na| yaUinayana manaI @¼ansafr) kI saevaa paRdana krnae vaalaa AiZa=ta ]jaen@ hE_ vaes@na| yaUinayana (Western Union) kI oaulk raoaI, BaejaI jaa rhI raoaI ]>va ga>ta>vya sYaana par inaBa|r krtaI hE_ Western Union Money Transfer ( vaes@na| yaUinayana manaI @¼ansafr) oaulk raoaI kI jaanakarI Aapakae ihssaa laenae vaalae skaeioayaa baE>k ke baRaãca sae imalaegaI _ Western Union Money Transfer ( vaes@na| yaUinayana kI manaI @¼ansafr) kI saevaaAae> ka laaBa q#anae ke ila] sa>ba>iZata skaeioayaa baE>k ke oaaSaa mae> raejamara| baEik>ga Saataa haenaa jaWrI hE _ 9. }sa Saatae mae> jamaa raoaI vaae raoaI nahI> hE jaae kEnaeDa iDpaaeij<a@ }noyaaere>sa ]K@ ke tahta baImaak\ta hE_ 1yaU.]sa Dalar kI maaisak oaulk qna saBaI mahInaae> mae> lagaegaI ijanamae> Aapa Apanae Saatae mae> 200 yaU.]sa Dalar sae kma kI nyaUnatama raejaanaa raoaI rSatae hE> _ 10. }sa Saatae mae> jamaa raoaI vaae raoaI nahI> hE jaae kEnaeDa iDpaaeij<a@ }noyaaere>sa ]K@ ke tahta baImaak\ta hE_ 1kI maaisak oaulk qna saBaI mahInaae> mae> lagaegaI ijanamae> Aapa Apanae Saatae mae> 200 sae kma kI nyaUnatama raejaanaa raoaI rSatae hE> _ 11. caunae ga] iva^aYaI| kEnaeDa kI iksaI yaUnaIvaisa|@I, kmyauina@I kaâlaeja, CEGEP yaa iksaI dUsare maanyataa paRapta paaes@ saeke>DrI skUla ke òula @a}|ma iva^aYaI| hae>gae_ Student Banking Advantage Plan (s@UDen@ baE>ik>ga ]Dvaan@eja plaana) ke Saatae ka laaBa q#anae ke ila] Aapakae hr saala 31 AFUbar sae pahlae ApanaI sa>ba>iZata oaaSaa mae> Aa kr yae paRmaaNa denaa haegaa ik Aapa iksaI yaaegya paaes@ skE>DrI skUla mae> òula @a}|ma iva^aYaI| hE> _ jaba Aapa òula @a}|ma iva^aYaI| nahI> rhe>gae yaa yah paRmaaNa nahI> de paayae>gae ik Aapa paaes@ skE>DrI skUla mae> òula @a}|ma iva^aYaI| hE> taae vaae plaana badla idyaa jaayaegaa AaEr Aapa ka Saataa Aa@aemaEi@k hI Powerchequing (paavarcaeik>ga ) Saatae mae> badla jaayaegaa _ vyaiFgata pahcaana kI j<aWrtae> paUrI krnaI haegaI _ 12. kula SarId kImata par 10% kI CU@ dI jaayaegaI (@EKsa oaaimala nahI>) i@ma haer@na taYaa oaraba vagaErh kI SarIddarI }sa mae> oaaimala nahI> haegaI _ Cineplex Entertainment Theatres ((isanaeplaEKsa }n@r@enmaE>@ iYayae@r) mae> isaò| 1000 pvaa}|>@ par mauÝta isanaemaa deSanae kI sauivaZaa_ paUrI jaanakarI ke ila] deSae> www.scene.ca, kuC paRitaba>Za AaEr saImaa]>e laagaU haegae>_ 13. jaba Aapa ]k na] qpayauF baE>k Saatae par SCENE Scotia Card ® (saIna skaeioayaakaD| ) haisala kr ApanaI pahlaI Deiba@ SarIddarI kregae> taba AapakI SCENE (saIna) sadsyataa mae> 1000 A>k jauDe>gae_ SarIddarI Saataa Saaelanae ke 60 idnaae> ke Aãdr haenaI caaih] _ Agar Aapa SCENE (saIna) yauF skaeioayaa baE>k Saatae Saaelanae ke 60 idnaae> ke Andr svacaailata vaetana yaa ifr paUva| AiZa=ta +eiD@ (pre-authorized credits (PACs)) yaa paUva| AiZa=ta Deiba@ (pre-authorized debits (PADs)) sYaaipata kre>gae> taae Aapake SCENE (saIna) Saatae mae> 1000 A>k jaaeDa jaayaegaa yaa 2 paUva| AiZa=ta kReiD@ (PACs)taYaa// yaa 2 paUva| AiZa=ta Deiba@ (PADs) idyaa jayaegaa_ hr saa}na Apa (sign up) paRstaava hr gaRahk kae hr SCENE (saIna) Saatae mae> 1000 A>k jaaeDa jaayaegaa yaa 2 paUva| AiZa=ta kReiD@ SCENE (saIna) sadsyataa par isaf| ]k hI baar malaegaI _ hr paRstaava hr gaRahk ke ]kla yaa sa>yauF Saatae ke maanya haenae par ]k hI baar idyaa jaayaegaa_ Agar saaJaa Saatae mae> gaRahk nae vyaiFgata Wpa sae SCENE (saIna) sadsyataa pa>jaI=ta ikyaa hE taae A>k barabar mae> baaã@ idyaa jaayaegaa_ paUva| - AiZak\ta vaetana yaa inamnailaSaIta sa>yaaejanaae> mae> sae kae}| ]k paUva| AiZa=ta laena dena ka kae}| ]k Saatae sae haenaa jaWrI hE: a) 2 PADs, b) 2 PACs yaa c) 1 PAD AaEr 1 PAC. yah paRstaava maaEjaUda maanya SCENE (saIna) skaeioayaa baE>k Saataa Zaarkae> ke ila] nahI> hE> _ Aapake SCENE ScotiaCard (saIna skaeioayaakaD|) ke jair] ]k AiZak\ta Saatae sae Deiba@ parcaesa Aa¶vaas_I ivadeoaI kamagaar A>ntarraP@¼Iya iva^aYaI|

yahI> sae kre> ]k sahI kEnaeDa mae> sahI oauWAata ke ila] … · 14. daenaae> SCENE® ®VISA*(saIna vaIsaa) AaEr L’earn kaD| ke Vara SarId par byaaja kI dr 19.99% rhegaI; nagad

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@¼anjaeKoana (Debit purchase transactions) AaEr Interact flash†† transaction (}n@r]K@ ÝlaEoa†† @¼anjaeKoana)par SCENE (saIna) A>k id] jaayae>gae _ SCENE ScotiaCard (saIna skaeioayaakaD| )ke }staemaala sae Aija|ta A>k ka Deiba@ laena-dena kI AvasYaa mae> hr 2 sae 3 vyaapaarI idnaae> mae> taYaa skaeioayaa baE>k saa}na Apa(sign up) ]>va baEik>ga rIlaeoana Aaâfr mae> hr mahInae navaInaIkrNa ikyaa jaayaegaa_ Aapa hr $ 5 ke Apanae Deiba@ SarIddarI par 1 SCENE (saIna) A>k taYaa saimmailata iYayae@r taYaa online at cineplex.com mae> hr $ 1 Saca| krnae par 5 SCENE (saIna) A>k Aija|ta kre>gae>_ SCENE (saIna) A>k isaò| Cineplex Entertainment◊ Theatres (isanaeplaEKsa }n@r@enmaE>@ iYayae@r) mae> badlaa jaayaegaa taYaa Anya paeoakoa (yaa }|naama) scene.ca par_ kuC oatae|> AaEr saImaayae> laagaU rhe>gaI _ paUrI jaanakarI ke ila] scene.ca par jaayae>_

14. daenaae> SCENE® VISA*(saIna vaIsaa) AaEr L’earn® kaD| ke Vara SarId par byaaja kI dr 19.99% rhegaI; nagad paeoagaI, bakayaa Baugataana AaEr Scotia® VISA (vaIsaa)caEkae> par byaaja dr 21.99% rhegaa _ byaaja dre>, vaaiPa|k oaulk AaEr daenaae> kaDae|> kI sauivaZaayae> 1 ApaREla 2011 sae paRBaavaI rhe>gaI AaEr qnhe> ibanaa iksaI naaei@sa ke badlaa jaa saktaa hE _Aapa hr $ 1 ke Apanae Deiba@ SarIddarI par 1 SCENE A>k taYaa saimmailata Cineplex Entertainment◊ Theatres (isanaeplaEKsa }n@r@enmaE>@ iYayae@r) taYaa online at cineplex.com mae> hr $ 1 Saca| krnae par 5 SCENE (saIna) A>k Aija|ta kre>gae>_ SCENE A>k isaò| Cineplex Entertainment◊ Theatres (isanaeplaEKsa }n@r@enmaE>@ iYayae@r)mae> badlaa jaayaegaa taYaa Anya paeoakoa(yaa }|naama ) scene.ca par_ +ya vaapasaI (purchase returns), Baugataana, nagad paeoagaIyaa>, Scotia VISA (vaIsaa)caEkae>, +eiD@ vaaqcarae>, kaD| òIsa, byaaja oaulk AaEr saiva|sa/ laena-dena oaulk Aaid par SCENE (saIna) A>k nahI> id] jaayae>gae _ kuC oatae|> AaEr saImaayae> laagaU rhe>gaI _ paUrI jaanakarI ke ila] scene.ca par jaayae>_ L’earn kaD|Zaark 1% tak vaaipasa kmaa saktae hE> _ +ya vaapasaI (purchase returns), Baugataana, nagad paeoagaIyaa>, Scotia VISA (vaIsaa) caEkae>, kREiD@ vaaqcarae>, kaD| òIsa, byaaja oaulk AaEr saiva|sa/ laena-dena oaulk Aaid par nagad }naama (Moneyback) nahI> id] jaayae>gae _ kuC oatae|> AaEr saImaayae> laagaU rhe>gaI _ paUrI jaanakarI ke ila] jaayae> Scotiabank.com par _ ScotiaLine VISA (vaIsaa) kaD|, Scotiabank Value VISA (vaIsaa)kaD| AaEr No-Fee Scotiabank Value VISA kaD| kae CaeD< kr 14 maaca|, 2011 ke baad }oau yaa rI-}oau ik] ga] saBaI Scotiabank retail credit (skaeioayaa baE>k rI@ela +eiD@) kaD| par VISA payWave (vaIsaa pae vaeva) laagaU rhegaI, AiZak jaanakarI ke ila] scotiabank.com.paywave par jaayae>_

® The Bank of Nova Scotia. ke rajaIs@D| @¼eDmaak|sa

™ The Bank of Nova Scotia. ke @¼eDmaak|sa

‡ kEnaeDa kI ibaj<anaesa maEgaj<aIna AaEr paRitaP#Ita sa>sYaana Vara +imata_

† ]k jaanaI-maanaI AntarraP@¼Iya kansail@>ga òma| , AaelaIvar vaeyamaEna , 2009 Vara +imata_

* VISA Int./Lic ka qpayaaegaktaa| The Bank of Nova Scotia

®§ The WESTERN UNION ka naama, laaegaae, AaEr qsasae jauDe @e¼Dmaak|sa AYavaa saiva|sa maak|sa The WESTERN UNION Holdings, Inc kI mailkyata hE>, yae saBaI rajaIs@D| hE>, AaEröyaa }naka }staemaala yaU.]sa taYaa dUsare k}| deoaae> mae> ma>jaUrI sae haetaa hE_

®* SCENE IP LP ke rijas@¼D @e¼Dmaaak| laa}|sae>sa ke AZaIna paRyauF haetae hE>_ †† Interac, Interac Flash and Pay in flash (ÝlaEoa AaEr paeya }na òlaEoa) Interac Inc. ke @¼eDmaak|sa hE_ paRyaaegaktaa| The Bank of Nova Scotia hE_ Apanae Interac Flash (ÝlaEoa) òIcar Vara Aapa Apanae SCENE ScotiaCard (skaeioayaa kaD|) kae BaagaIdar vyaapaarIyaae> ke spaEoala kaD| rIDr par vaeva yaa @Epa krke Aapa Cae@I SarIddarIyaaã kr saktae hE>_ AaEr jyaada jaanakarI ke ila] > scotiabank.com/flash par jaayae>_ ◊ Cineplex Entertainment LP (isanae plaEKsa }>@r@enamaE>n@ LP),laa}|sae>sa AZaIna paRyauF _

hmae> AapakI na}| yaaLaa mae> qicata paramaoa| taYaa sarla samaaZaana Vara Aapakae sahI

oauwAata mae> madd krnae de>_

yahI> sae kre> ]k sahI oauWAata_

kEnaeDa mae> sahI oauWAata ke ila] hmaare salaahkar AapakI madd

kr saktae hE>_ scotiabank.com/startright par jaayae>_

faena kre> 1-866-800-5159

(kevala qttarI AmarIka mae> - }>iglaoa, fRE>ca, kena@aenaIja,

maEnaDeirna, paãjaabaI AaEr spaEinaoa_)

skaeioayaabaE>k ke oaaSaa par jaayae>_

जानने लायक महत्वपूर्ण बातें1. ScotiabankStartRight®(skaeioayaabaeE>k s@a@|ra}@) paRaegaRama1 qna kEnaeiDyana ApaRvaasaIyaae> ke ila] banaayaa gayaa hE ijanhe> kEnaeDa Aayae 0-3 saala tak hu] hE>, }namae> A>tarraP@¼Iya iva^aYaI| AaEr ivadeoaI kamagaar oaaimala hEE>_ d Scotiabank StartRight (skaeioayaabaE>k s@a@|ra}@) maae@|gaeja paRaegaRama kEnaeiDyana ApaRvaasaIyaae> taYaa ivadeoaI kamagaarae> ke ila] banaa hE ijanhe> kEnaeDa Aayae 0-5 vaPa| hI hu] hE>_

2. yah sauivaZaa Scotiabank (skaeioayaa baE>k) mae> nayae Scotia One™ (skaeioayaa vana) ]kaqn@ Saaelanae par ]k vaPa| ke ila] qpalabZa hE_ mauÝta baEik>ga ka matalaba hE ik hma Aapake ]kaqn@ ke isaf| maaisak oaulk kae hI maaf kregae>_ baakI saare oaulk jaae Aapake baEik>ga paEkeja mae> saimmalaIta nahI> hE> laagaU rhe>gae> , ijanamae> vaae AitairF oaulk jaae dUsare ivaTaIya sa>sYaanaae Vara ilayaa jaataa hE ]>va qna maioanaae> ke qpayaaega oaulk jaae Scotiabank (skaeioayaa baE>k )ke nahI> hE> [jaEsae - Interac (}n@rEk), Visa* (vaIsaa) yaa PLUS*(plasa) fIsa] ] oaaimala ha>egae>_ saImaa paar Deiba@ saevaa ke ila] kaD|Zaark saevaa oaulk jaarI rhegaI _ }na saevaaAae> taYaa oaulkae> ke baare mae> AiZak jaanakarI ke ila] k\pyaa De-@U-De baE>kI>ga kmapaEinayana bauklae@ deSae>_

3. Scotiabank’s (skaeioayaa baE>k) kReiD@ maapadãDae> taYaa saurxaa j<aWrtaae> ke paUra haenae par maanya_ Asaurixata VISA (vaIsaa)kaD| inaocaIta +eiD@ saImaa ke saaYa qpalabZa haegae>; ApaRvaasaI kamagaar AaEr sYaa}| inavaasaIyaae> ke ila] saurixata VISA (vaIsaa)kaD| ke ila] saurxaa raoaI svaI=ta kReiD@ saImaa ka 100% haegaa ]>va A>tarraP@¼Iya iva^aYaI|yaae> ke ila] svaI=ta +eiD@ saImaa ka 120% ke barabar haegaa_ VISA (vaIsaa)kaD| kI saurxaa nagad saurxaa raoaI, Canada Savings Bonds (kEnaeDa saeiva>ga baaânD) yaa Guaranteed Investment Certificate (gaarn@I=ta inavaeoa paRmaaNapaLa) hae saktaI hE _ }sake Aalaavaa vyaiFgata qZaar qtpaadae> ke yaaegya haenae ke ila] Aapakae kEnaeDa ka inavaasaI,]>va vyask haenaa haegaa_

4. qpalabZataa ]>va saeÝ@I iDpaaija@ baaKsa laIj<a par hstaaxar haenae par maanya haegaa_

5. maaEjaUda samaya mae> Aa@ae laaena kaya|kRma naIcae id] kar - DIlarae> ke j<air] qpalabZa hE : Kia, Chrysler, Hyundai, Jaguar/Land Rover, Mazda, Mitsubishi taYaa Volvo. yae kaya|+ma kevala AapaRvaasaIyaae> AaEr ivadeoaI kamagaarae> ke ila] hE _ skaeioayaa baE>k kI ivaTaIya oataae|> AaEr inayamaae> ke Anausaar_ DaqnapaeyamaEn@ jawrI haegaI _

6. yah kevala AavaasaIya maae@|gaeja ke ila] laagaU hE AaEr Scotiabank (skaeioayaa baE>k) AavaasaIya sa>paiTayaae> ke ila] qZaar maanad>D ke AZaIna hE _ laaena - maUlya Anaupaata (LVRs) 50% sae 95% tak kI AiZaktama saImaa haenae par CMHC/ Genworth financial Canada (jaenavaYa| fa}naEnaioayala kEnaeDa) ke maae@|gaeja DIòal@ baImaa kI Aavaoyaktaa hae saktaI hE_ AiZaktama qpalbaZa LVRs 95% sae kma hae saktaI hE_

7. The Scotia Running Start for business® (d skaeioayaa rnnaI>ga s@a@| faâr ibaja<naesa) ka baE>ik>ga paEkeja Aapake ibaj<anaesa baE>ik>ga par bacata krtaa hE taYaa ivaoaePa BaagaIdarI paRstaava Vara Aapake vyaapaar ke oauWAata mae> sahayataa paRdana krtaa hE_

8. skaeioayaa baE>k Western Union Money Transfer (vaes@na| yaUinayana manaI @¼ansafr) kI saevaa paRdana krnae vaalaa AiZa=ta ]jaen@ hE_ vaes@na| yaUinayana (Western Union) kI oaulk raoaI, BaejaI jaa rhI raoaI ]>va ga>ta>vya sYaana par inaBa|r krtaI hE_ Western Union Money Transfer ( vaes@na| yaUinayana manaI @¼ansafr) oaulk raoaI kI jaanakarI Aapakae ihssaa laenae vaalae skaeioayaa baE>k ke baRaãca sae imalaegaI _ Western Union Money Transfer ( vaes@na| yaUinayana kI manaI @¼ansafr) kI saevaaAae> ka laaBa q#anae ke ila] sa>ba>iZata skaeioayaa baE>k ke oaaSaa mae> raejamara| baEik>ga Saataa haenaa jaWrI hE _

9. }sa Saatae mae> jamaa raoaI vaae raoaI nahI> hE jaae kEnaeDa iDpaaeij<a@ }noyaaere>sa ]K@ ke tahta baImaak\ta hE_ 1yaU.]sa Dalar kI maaisak oaulk qna saBaI mahInaae> mae> lagaegaI ijanamae> Aapa Apanae Saatae mae> 200 yaU.]sa Dalar sae kma kI nyaUnatama raejaanaa raoaI rSatae hE> _

10. }sa Saatae mae> jamaa raoaI vaae raoaI nahI> hE jaae kEnaeDa iDpaaeij<a@ }noyaaere>sa ]K@ ke tahta baImaak\ta hE_ 1€ kI maaisak oaulk qna saBaI mahInaae> mae> lagaegaI ijanamae> Aapa Apanae Saatae mae> 200 € sae kma kI nyaUnatama raejaanaa raoaI rSatae hE> _

11. caunae ga] iva^aYaI| kEnaeDa kI iksaI yaUnaIvaisa|@I, kmyauina@I kaâlaeja, CEGEP yaa iksaI dUsare maanyataa paRapta paaes@ saeke>DrI skUla ke òula @a}|ma iva^aYaI| hae>gae_ Student Banking Advantage Plan (s@UDen@ baE>ik>ga ]Dvaan@eja plaana) ke Saatae ka laaBa q#anae ke ila] Aapakae hr saala 31 AFUbar sae pahlae ApanaI sa>ba>iZata oaaSaa mae> Aa kr yae paRmaaNa denaa haegaa ik Aapa iksaI yaaegya paaes@ skE>DrI skUla mae> òula @a}|ma iva^aYaI| hE> _ jaba Aapa òula @a}|ma iva^aYaI| nahI> rhe>gae yaa yah paRmaaNa nahI> de paayae>gae ik Aapa paaes@ skE>DrI skUla mae> òula @a}|ma iva^aYaI| hE> taae vaae plaana badla idyaa jaayaegaa AaEr Aapa ka Saataa Aa@aemaEi@k hI Powerchequing (paavarcaeik>ga ) Saatae mae> badla jaayaegaa _ vyaiFgata pahcaana kI j<aWrtae> paUrI krnaI haegaI _

12. kula SarId kImata par 10% kI CU@ dI jaayaegaI (@EKsa oaaimala nahI>) i@ma haer@na taYaa oaraba vagaErh kI SarIddarI }sa mae> oaaimala nahI> haegaI _ Cineplex Entertainment◊ Theatres ((isanaeplaEKsa }n@r@enmaE>@ iYayae@r) mae> isaò| 1000 pvaa}|>@ par mauÝta isanaemaa deSanae kI sauivaZaa_ paUrI jaanakarI ke ila] deSae> www.scene.ca, kuC paRitaba>Za AaEr saImaa]>e laagaU haegae>_ 13. jaba Aapa ]k na] qpayauF baE>k Saatae par SCENE Scotia Card® (saIna skaeioayaakaD| ) haisala kr ApanaI pahlaI Deiba@ SarIddarI kregae> taba AapakI SCENE (saIna) sadsyataa mae> 1000 A>k jauDe>gae_ SarIddarI Saataa Saaelanae ke 60 idnaae> ke Aãdr haenaI caaih] _ Agar Aapa SCENE (saIna) yauF skaeioayaa baE>k Saatae Saaelanae ke 60 idnaae> ke Andr svacaailata vaetana yaa ifr paUva| AiZa=ta +eiD@ (pre-authorized credits (PACs)) yaa paUva| AiZa=ta Deiba@ (pre-authorized debits (PADs)) sYaaipata kre>gae> taae Aapake SCENE (saIna) Saatae mae> 1000 A>k jaaeDa jaayaegaa yaa 2 paUva| AiZa=ta kReiD@ (PACs)taYaa// yaa 2 paUva| AiZa=ta Deiba@ (PADs) idyaa jayaegaa_ hr saa}na Apa (sign up) paRstaava hr gaRahk kae hr SCENE (saIna)Saatae mae> 1000 A>k jaaeDa jaayaegaa yaa 2 paUva| AiZa=ta kReiD@ SCENE (saIna) sadsyataa par isaf| ]k hI baar malaegaI _ hr paRstaava hr gaRahk ke ]kla yaa sa>yauF Saatae ke maanya haenae par ]k hI baar idyaa jaayaegaa_ Agar saaJaa Saatae mae> gaRahk nae vyaiFgata Wpa sae SCENE (saIna) sadsyataa pa>jaI=ta ikyaa hE taae A>k barabar mae> baaã@ idyaa jaayaegaa_ paUva| - AiZak\ta vaetana yaa inamnailaSaIta sa>yaaejanaae> mae> sae kae}| ]k paUva| AiZa=ta laena dena ka kae}| ]k Saatae sae haenaa jaWrI hE: a) 2 PADs, b) 2 PACs yaa c) 1 PAD AaEr 1 PAC. yah paRstaava maaEjaUda maanya SCENE (saIna) skaeioayaa baE>k Saataa Zaarkae> ke ila] nahI> hE> _ Aapake SCENE ScotiaCard (saIna skaeioayaakaD|) ke jair] ]k AiZak\ta Saatae sae Deiba@ parcaesa

Aa¶vaas_I

ivadeoaI kamagaar

A>ntarraP@¼Iya iva^aYaI|

hma jaanatae hE> ik jaba Aapa iksaI na] deoa mae> pahuãcatae hE> taae Aapakae kEsaa mahsaUsa haetaa hE_ skaeioayaa baE>k ka nayae ApaRvaasaIyaae> ke ila] ScotiabankStartRight® (skaeioayaabaeE>k s@a@|ra}@ )paRaegaRama1 kEnaeDa maee> Aapake basanae kI paRikRyaa kae Aasaana banaanae> mae> AapakI madd ke ila] hI banaayaa gayaa hE _ jaEsae hI Aapa ]k na] jaIvana kI oauWAata krtae hE> taae deSatae hE> ik ivaTaIya maamalaae> ka kuoala paRbanZana AapakI caunaaEtaIyaae> kI saUcaI mae> sabasae Qpar hE _ hmaare Scotia® (skaeioayaa) salaahkar Aapakae baE>k Saataa Saulavaanae, paEsaae> ke sahI-sahI }staemaala taYaa, BaivaPya ke ila] inavaeoa krnae kI paramaoa|AaEr sahI samaaZaana sauJaanae ke ila] hI yahaã maaEjaUd hE> _

skaeioayaa baE>k ke baare mae>

• yah qTarI AmaerIka kI sabasae paRmauSa ivaTaIya sa>sYaanaae> ma>e sae ]k hE - AaEr kEnaeDa ka savaa|iZak paRmauSa AntarraP@¼Iya baE>k hE _ • yah kEnaeDa ke laaegaae> Vara svaIk\ta kEnaeDa ka sabasae paRitaiP#ta baE>k hE‡_

• yah sa>saar ke oaIPa| 10 sabasae AiZak sYaayaI baE>kae> mae> sae ]k hE†_

• 175 vaPaae|> sae AiZak sae saevaa, }|maanadarI AaEr maja<baUtaI kI jaIvaãata imasaala hE _

• yah dunaIyaa Bar ke 50 sae AiZak deoaae> mae> 18.6 imailayana sae jyaada gaRahkae> kI saevaa mae> jau@a hE_

• skaeioayaa baE>k gaRupa ke 70000 kma|caarI hE> - ijanamae> sae oaayad k}| AapakI BaaPaa mae> baata kr saktae hE>_

• lagaBaga 1000 oaaSaaAae> ka mal@I caEnala DIlaIvarI nae@vak| AaEr paUre kEnaeDa mae> 3000 Aa@aemae@eD maoaInae> (ABMs)

• caEk>I>ga Saatae par ]k saala ke ila] mauÝta raeja<mara| baEik>ga ka laaBa q#ayae>2_

• Scotia Power Savings Account™ (skaeioayaa paavar saeiva>gasa Saatae )ke saaYa ApanaI bacatae> ba$<ayae>_ • Visa (vaIsaa) kReiD@ kaD| ke saaYa Apanaa k»eiD@ ihs@¼I> (credit history) banaayae> jaae AapakI j<aWrtaae> kae paUrI kre3 _

• Apanae ikmataI samaana kae Aapa ]k Cae@e saeÝ@I iDpaaâij<a@ baaKsa mae> paUre ]k saala ke ila] mauÝta saurixata rSa saktae hE>4 _

• caunae hu] DIlarae> sae ivaPaeoa wpa sae banaayaI gayaI fa}naEnaisa>ga Vara kar SarIde>5_

• kEnaeDa mae> zar SarIdnae ke ila] ivaPaeoa wpa sae banaayaI gayaI maae@|gaeja6 _

• ]k Anaukuilata samaaZaana AaEr salaah ke saaYa ibaj<anaesa oauW kre>7 _

• ApanaI raoaI Western Union Money Transfer®§ (vaEs@¼na yaUnaIyana manaI @¼asfr) ke j<arIyae Baejae> ijasakI saevaayae> skaeioayaa baE>k mae> qpalabZa hE> 8_

• Scotia Mocatta (skaeioayaa maaeka£a) Vara paRdana kI ga}| saevaaAae> ke j<arIyae saaenaa AaEr dUsarI ikmataI Zaatauyae> SarIde> _

• Scotia® (skaeioayaa )yaU.]sa Dalar Daily Interest Account9 (DelaI }n@res@ Akaq>@ )9 yaa Scotia® (skaeioayaa )yaUrae Daily Interest Savings Account10 (DelaI }n@res@ saeiva>gsa Akaq>@)10 haisala kre>_

Aa¶vaas_Iskaeioayaa baE>k hI Kyaae>? ivadeoaI kamagaar AntarraP@¼Iya iva^aYaI|

Aanae ke baad ]k sahI oauWAata kre>_kEnaeDa mae> sahI oauWAata ke ila] hma AapakI madd krtae hE>_

Apanae ivaTa ka paRbanZana kae}| AsYaa}| baata nahI hE Aapake nayae ivaTaIya BaivaPya kI oauWAata Aaja sae

• Student Banking Advantage® Plan11 (s@UDe>@ baE>ik>ga ]Dvaan@eja plaana)11 ke saaYa AsaIimata Deiba@ laenadena ka laaBa q#ayae>_

• FREE SCENE®*(fRI saIna ) kI sadsyataa laekr mauÝta iflmae> AaEr SarIddarI par 10% kI CU@ 12

• Aapake SCENE Scotia Card®

(saIna skaeioayaakaD|) vaalae baE>ik>ga kaD| ke saaYa 2000 tak baaenasa A>k kmaayae> - jaae 2 mauÝta iflmaae>13 ke ila] kafI hE>_

• $erae> }|naamaae> ke saaYa ibanaa iksaI vaaiPa|k oaulk ke ]k SCENE® VISA*(saIna vaIsaa) kaD|3 yaa L’earn® VISA* (lana| ivasaa) kaD|3 haisala kre>14_

• Scotia®(skaeioayaa ) yaU.]sa Dalar Daily Interest Account9 (DelaI }n@res@ Akaq>@)9 yaa Scotia®(skaeioayaa ) yaUrae DelaI Daily Interest Savings Account10 (DelaI }n@res@ saeiva>gsa Akaq>@ ) 10 haisala kre>_

Aapanae Apanae sYaana parIvata|na kI yaaejanaa banaa}|_ Aba hmae> Aapakae

Aapake BaivaPya kI yaaejanaa banaanae mae> sahayataa krnae de>_

• caEkI>ga Saatae par ]k saala ke ila] mauÝta raeja<mara| baE>ik>ga ka laaBa q#ayae>2_

• Scotia Power Savings Account (skaeioayaa paavar saeiva>gsa Saatae) ke saaYa ApanaI bacatae> ba$<ayae>_

• VISA* (vaIsaa) kReiD@ kaD| ke saaYa Apanaa k»eiD@ ihs@¼I> (credit history) banaayae> jaae AapakI j<aWrtaae> kae paUrI kre3_

• Apanae ikmataI samaana kae Aapa ]k Cae@e saeÝ@I iDpaaâij<a@ baaKsa mae> paUre ] k saala ke ila] mauÝta saurixata rSa saktae hE>4_

• caunae hu] DIlarae> sae ivaPaeoa wpa sae banaayaI gayaI fa}naEnaisa>ga Vara kar SarIde>5_

• kEnaeDa mae> zar SarIdnae ke ila] ivaPaeoa wpa sae banaayaI gayaI maae@|gaeja6_ • ApanaI raoaI Western Union Money Transfer (vaEs@¼na yaUnaIyana )ke j<arIyae Baejae> ijasakI saevaayae> skaeioayaa baE>k mae> qpalabZa hE>8_

• Scotia Mocatta ( skaeioayaa maaeka£a) Vara paRdana kI ga}| saevaaAae> ke j<arIyae saaenaa AaEr dUsarI ikmataI Zaatauyae> SarIde> _

• Scotia® (skaeioayaa )yaU.]sa Dalar Daily Interest Account9 (DelaI }n@res@ Akaq>@)9 yaa Scotia® (skaeioayaa) yaUrae Daily Interest Savings Account10(DelaI }n@res@ saeiva>gsa Akaq>@)10 haisala kre> _