Sears Halifax Nova Scotia

Effective as of the Transfer Date, the following applies:

• You can continue to use your Card everywhere MasterCard is accepted (unless your Card has previously been cancelled, your charging privileges have been revoked or you closed your account).
• Scotiabank is offering a new rewards program
  You will earn a full 1% cash back on eligible gas station, grocery store, and drug store purchases and on recurring bill payments, and 0.5% cash back on all other eligible purchases made with your Card. The cash back is awarded annually as a credit on your November account statement.
• If you have a balance owing on your account, continue making payments as outlined on your monthly statement. Details on how to make payments is also set out in the FAQs below.
• There are no changes to the interest rates, fees or other Card features at this time. If we make any changes to your rates or fees in the future, we will tell you first. If you previously made a purchase under an optional financing plan, the terms remain the same.
• The revised Cardholder Agreement recently sent to you by Chase governs your Card and account. As of the Transfer Date, all references to Chase in the Cardholder Agreement and all disclosure documents shall mean and refer to The Bank of Nova Scotia.
• Your personal information will be handled by Scotiabank under the terms of the Scotiabank Group Privacy Agreement. Information about Scotiabank's commitment to privacy is included.
• Scotiabank is committed to resolving any concerns or complaints that you have about our products and services. For more information please refer to the Resolving Your Complaint document within the Important Documents section below.
• If you are currently enrolled in optional credit protection insurance for your Card, your insurance coverage is not affected and the same premium will continue to be billed to your account. The new creditor under your certificate of insurance is Scotiabank. For details, please refer to your certificate of insurance underwritten by Canadian Premier Life Insurance Company and Legacy General Insurance Company.

While Scotiabank has acquired your account, the Sears credit card program is not continuing after the Transfer Date. This means that you cannot earn or redeem Sears ClubTM Points with your Card, make new purchases under an optional financing program or make payments in-store at Sears.

1. Am I still responsible for paying my balance?
   Yes. You are still responsible for making payments as set out in the Cardholder Agreement. You can pay all or a portion of the balance at any time. However, you must pay the amount indicated in your account statement as the minimum payment by the due date each month.
2. How do I pay my bill?
   You can continue paying your bill per your regular payment method except payment at Sears locations will no longer be accepted.

   Here is a list of acceptable payment options:

   • At your Financial Institution, using the following services (as available):
     • In-branch at a teller or ATM
     • Telephone banking
     • Online banking - Continue to use Sears MasterCard as the payee or search and add MasterCard - Scotiabank as the payee
   • By mail to P.O. Box 4570, Stn A, Toronto, Ontario, M5W 4V1 and make cheques payable to: Scotiabank
   If you recently sent a cheque using the old payee information, it will be processed and applied to your account.
3. Can I still use my existing Card for purchases?
   Yes, you can continue using your Card to make purchases everywhere MasterCard is accepted.
4. Will I be getting a new Card from Scotiabank?
   Scotiabank will issue replacement credit cards to most customers with an account that is active (within the last 6 months) and that is open and in good standing.
5. I have recurring bill payments set up using my current Card. Will I have to change this?
   No, you do not need to make any changes at this time. If you receive a replacement credit card, you may need to provide merchants with your updated card information.
6. What happens to any unredeemed Sears Club Points?
   
7. What happens if I have credit protection insurance?
   Your optional credit protection insurance continues without change, except the creditor is now Scotiabank.
8. What happens if I have a purchase that I am financing over time?
   If you have made a purchase before November 16, 2015 that you have financed using an optional financing plan, the terms remain unchanged. You will continue to be responsible for making payments under the terms of your financing plan.
9. Are there any changes to my rates and fees?
   No.
10. Can I still use my Chase Canada Online account details?
    Yes, your login and password will remain the same.

• ® Registered trademarks of The Bank of Nova Scotia.
• ®* MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated and are used under license by The Bank of Nova Scotia.
• TM The trademarks "Sears", "Sears Financial� and "Sears Club" are used by The Bank of Nova Scotia pursuant to a sublicense from JPMorgan Chase Bank, N.A.