Legal

Introduction

The Scotiabank Group has always been committed to keeping customers' personal information accurate, confidential, secure and private. The Scotiabank Group Privacy Code builds on this commitment.

This code is based on the Canadian Standards Association (CSA) Model Code for the Protection of Personal Information (CAN/CSA-Q830-96), and the Federal Personal Information Protection and Electronic Documents Act ('PIPA'). It describes how the Scotiabank Group subscribes to the principles of the CSA Model Code. Copies of the CSA Model Code are available on request from the Canadian Standards Association at 1-800-463-6727.

The Scope of this Code

Members of the Scotiabank Group of Companies include companies engaged in the following services to the public: deposits, loans and other personal financial services; credit, charge, debit and payment card services; full-service and discount brokerage services; mortgage loans; trust and custodial services; insurance services; investment management and financial planning services; and mutual funds investment services.

This code describes the principles each Scotiabank Group Member will use to protect the privacy of individual customers' personal information in the carrying out commercial activities in Canada, no matter how the information is collected, used or disclosed.

This code applies to each member of the Scotiabank Group as defined within this code with respect to their operations in Canada. Where any Scotiabank Group Member is subject to laws or industry regulation or self regulatory requirements which impose greater or additional obligations with respect to the protection of personal information, the Scotiabank Group Member also complies with those additional obligations.