Bank Scotia Integrated Credit Program cotiaD

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BANK OF NOVA SCOTIA (22681)
6005 ROBERT-8OURASSAA BLVD
LAVAL QUEBEC H7E OAA 450-661-4551 CIS number
7
3
Address of the building
2
4

BNS CSTEPF_PWJE04 FD 22681 02 17 TE QC

RM Questions about your Scotia
ID Integrated Credit Statement?
MRS N U Call us at 1-888-445-7418 or visit
OR our website at
TE www.banquescotia.com.
QC H2 Take advantage of the low-interest
credit line of your Scotia Integrated
Credit Plan (CIS) to achieve your goals
more
Your annual statement quickly Visit a branch to learn more

to December 31, 2020 The CIs overall credit limit

$330,000.00 is the total available credit for your
Your Scotia Integrated Credit Mo Program Overview program. This credit may
Switching between different
Your CIS Block Credit Limit solutions Depending on your
available credit card, you could save
Less the amounts you borrowed: by transferring higher interest rate
Mortgages (see next 3 pages 296,393.733 loans to your CIS program
Loans The amounts due indicated on this
Credit links statement
Credit cards $296,393.73 As of 31 December. It
Protection against discovery 33,606.2Ise may therefore not be
are not yet shown and have not been
deducted from your available credit
Total of what you borrowed
Total credit available at 31 December 2020

Your use of Scotia Integrated Credit

Number and type Credit Limit Credit
available ($) Note
account of the account (S)_ As part of your Scotia Integrated Credit
Mortgage Loans Plan", the terms and prepayment fees
Mortgage 4 apply to each mortgage, loan or trust
account.

Loans
Your CIS does not include such an account
Lines of Credit Go to page 2 for
Scota Line of Credit 30 O00,00S $0.00 30,000.00 S view your statement
Cards of credit
Your ninclut CIS no account of this type

Protection against overdrafts

Your CIS does not include such an account

Total 296 393,73 S 30,000.00 sec

More additional securities available at your branch $3,606.27
Total credit available as of December 31, 2020 33,606.27 S

Build your borrowing plan Take the time to build a

borrowing plan and save time
and money: use the Mortgage Free Calculator faster at Page 2 of 4
banquescotia.com/prets_hypothecaires
Number of your loan: 46
Type of loan: Fixed rate 8
Duration 5 years
Renewal Date July 6, 2025
RM MRS Interest rate: 2.54000%
Package Type: Flexible Mortgage
Address of the building:
2
4
1
TE .QC
Annual statement of your mortgage Questions about your mortgage?
Call us at 1-888-445-7418 or visit our
for the period January 1, 2020 to December 31, 20o20 Loan website at www.banquescotia.com.
Balance
Principal Balance as of January 1, 2020 0.00 S Plan dės now for a
Advances 300,000.O0 financial future no problem.
Less Regular principal payments you made 3 606.27 Insurance needs change with
Principal balance as at December 31, 2020 296,393.7S 9 the time. Maybe now is the time
to improve your insurance
Mortgage payments made in 2020 mortgage loan yajputant It'une de
Principal amount you repaid 3 606.27 S our optional guarantees, or the
Amount of interest you paid $3,143.18 Disability insurance coverage or the
6 749.45 S Critical Illness Insurance Coverage

Total of what you have paid in 2020

35 110.9oS ain to enjoy a better
Total borrowing cost up to the áchéance financial protection. For more
more information, share
Regular Mortgage Payments with your branch or call us
Periodicity - Your payments Monthly at 1-855-753-4272 Monday to Friday
8:00 a.m. to 8:00
Principal and interest amount of each payment 1 349.89 5 p.m. ET
Portion of each payment allocated to the tax payment
land 0.00 Information important:
Your mortgage payment regular 1 349,89 S You may need to keep this
statement for your tax return.
Balance of the provision for property tax Please review it immediately and
Our records indicate that you pay your property tax directly to the taxing authority. contact us if you have any
If you wish, your sucCursale account keeping will take a pla isır to take the questions
arrangements to manage your property tax. Tips to free yourself from your
Insurance premium mortgage:
1.
Joint Life Insurance Premium
Take advantage of the refund option
76.52 5
*The above payment does not include the Mortgage Protection premium 15% annual advance pour a
or increase your
Scotia. If you have Scotia Mortgage Protection, your premium
payments.
insurance claims will be collected at the same time as your mortgage payment, under 2. Make more frequent payments,
reserve that you have at avısė. sot at the fortnight or weekly
rather than monthly
3. At renewal, do not change
your payments even if your interest has
The difference will be applied to
your capital, helping you repay
your mortgage faster
All borrowing parties having
retail credit products may
choose to receive documents
separate reporting
of the borrowing cost such as statements
Monthly or annual Find out
more, please communicate with your
SucCursale
Bank Scotia" Scotia Integrated Credit Program
Page 3 of 4

Your annual prepayment privilege

Your annual 15% prepayment privilege (etablı based on the starting capital amount) is 45,000.00 3 Variables used to
estimate prepayment charges***
Type of interest rate.
Mortgage Loan Balance Closed fixed rate loan
Cash Back Received 296 393.73 $
Remaining Time
2,095.00 $
Duration of comparison
Current rate for duration of comparison: 54 months
Rate reduction obtained. Closed fixed rate loan
Rate of interest and comparison 60 mors
Mortgage interest rate:
Interest rate difference 4.79000%
2.40000 %
2.39000 %
2,54000 %
0,15000 %
UseRefundingCalculatorepranticipéde fraisVousdepouvezremboamentssinous joindreanticipé,aus le site banquescotia.com, pour calculer le
montant approximatif des frais de 1 888 445 7418 afin qu'un de nos représentants vous donne le montant exact
desFraisfraisde remboursementsappliquantàvousanticipé 2

prepayment, unless it is a partial repayment in accordance with your prepayment privilege. If you pay off all or part of the principal of your mortgage
before the due date, you will have to pay
Fixed rate
Below is a summary of these fees.
Variable rate
Prepayment fees| The most accomplished values (A)
Three months of interest
and (B):"
to the mortgage interest rate
(A) three months interest at the mortgage
to the ceiling rate, if it is a loan
interest rate on the amount you want to repay
variable rate mortgage with ceiling
(B) interest differential**
rate
Other fees

Reimbursement of the transfer in The amount to be reimbursed shall be prorated to the remaining period, if any.
espéces
Costs of discharge, transfer Varies from province to province. In Quebec, contact your notary to find out about the
and administration3 amount of these fees.
Registration fees of Fees charged by a province: paid directly to the Registry or the Bank in
Release 3 the provinces where the Bank is responsible for recording the receipt.
Open Loan Commission of A refinancing fee may apply if you pay off your mortgage in
refinance3 the first year of the amortization period
Veuilez cotulter your hypothecairo loan instrument and your Statement of Borrowing Cost or Renewal Agreement, if applicable, for clarification on
prepayment fees and other fees that apply if you pay off your mortgage before the due date
For If you are aware of the current Scotiabank service streams, please contact your branch

Factors Likely to Change Prepayment Charges

Your mortgage is renewed for a different term or your mortgage balance is changed
You hold a variable rate mortgage loan and the Bank’s base borrowing rate changes, resulting in a change in your mortgage rate.
You hold a fixed rate mortgage and the parameters used to calculate the interest rate vary Current interest rates
change. If they decrease, the amount of the interest differential increases
The remaining term of your loan changes For example, the period of comparison is four years on the day the prepayment charges
are assessed, but over time it increases to three years. resulting in an increase in the interest differential
The amount of the interest differential may change and exceed the equivalent of three months of interest.
All prepayment you made during the year will be subtracted from the amount of your annual repayment privilege
** Net differential. amount equal to the difference between the amounts in (1) and (2), (1) equal to the present value of any interest you would have
pay, from the date of previous reimbursement up to the maturity date, on the amount you wish to pay in advance at the mortgage rate, and
(2) finding to the current owner of all the interest that voUs paierkez, from then the date of repayment anticipates until the date of hedance, on the amount that you
SOuhatez rembourser par antcipation au taux d'interèt courant, molns toute réduction de taux d'interët qui voUS a étë consente sur votre prèt hypothécalre actuel Ou La vaeur
actuelle est établie en fonctton de la durée en mois restantà courir jusqu'à l'échéance (arrondie au mois près) and the number of remaining monthly payments for the
At the time of cakuler the present value in (2), we adjust the amount of the capital and interest payments, because these are cakules taking into account a different interest rate,
the current interest rate. The Current Rate of Interest is the rate currently displayed in vgeur that we apply to a new fixed-rate, closed-term mortgage with the term closest to the
remaining term for your current mortgage loan. (which is rounded up if it falls exactly between two durations). The rate is aftche at ww.banquescotia com and in branch lel
mentioned above, the interest rate will be reduced by any rate reduction you have been cosentie for your current mortgage loan Your rate reduction, if any, is shown above
Valde to December 31, 2020

ALorsque the interest rate difference is negative and the difference is different does not apply
tSt you hold a loan of more than five years, after the fifth year, the maximum prepayment fee is equal to (A)
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More time for you with digital management of your Scotiabank mortgage
Use your Scotiabank mortgage number to activate digital banking and
Change the amount and periodicity of your mortgage payments*.
Find information about the loan, including principal balance, payment amount, remaining amortization period and
more.
Access convenient tools like the Mortgage Calculator Faster and the Mortgage Payment Calculator.
Choose the paperless option and receive notifications and electronic statements

et mobile access
Enabling your Scotia Live MD
1. Go to banquescotia.com or download our mobile app.
2. On your computer, click “Activate Your Access” under the “ENTER Scotia Live” button. In the mobile app,
tap “Mobile Banking Activation”.
3 Choose Mortgage from the product drop-down menu and enter your account number and your
personal information
4. Create your username and password and log in.

Under re-preserving the terms of your mortgage