Professional Documents
Culture Documents
Statement date
Apr 14, 2015
Account #
3792 400239 17011
Page
1 of 5
Scotiabank American
Express Card
SBAXEP_20100_D15104_A E S 81349
MR ASAD CHEEMA
75 MARTHAS HEAVEN PL NE
CALGARY, AB T3J 3W2
New balance
This statement covers transactions posted to your account during the Statement Period.
SBAXEP_20100_D15104_A - 0003022
HRI - - 3 - 1 - 23 - -
012271
3,030
720
5,000
7,000
2,250
001
Apr 11
Apr 13
002
Apr 14
Apr 14
003
Apr 14
Apr 14
$0.00
$0.00
$1,114.00
$2,425.38
$1,311.38
$2,000.00
$688.00
**When you use your Scotiabank American Express Card, you earn 2
points for each dollar spent on eligible purchases at Gas Stations,
Grocery Stores, Dining and Entertainment establishments and 1
point for each dollar spent on all other eligible purchases.
DETAILS
Credit limit
Credit available
Interest Information
500
TRANS. POST
REF.# DATE DATE
$10.00
MR ASAD CHEEMA
May 5, 2015
$10.00
70.0039.00
9.81
Continued on page 3
1. PAYMENTS: The TOTAL MINIMUM PAYMENT includes your minimum payment and
any amount(s) shown as overdue or overlimit. Amounts shown as overdue or
overlimit must be paid in full. We must receive your payment by the PAYMENT DUE
DATE shown on your statement. Your payment options are shown in section 8.
Please refer to your Credit Agreement, Disclosure Statement or disclosure letter, or
any subsequent notice that we have sent you for information about the minimum
payment.
If your account goes into default and we demand the balance in full, we will no
longer send monthly statements. However, we will continue to charge interest on
your account.
We reserve the right to hold funds until your payment has cleared. This may
temporarily affect your available credit.
Please refer to your Credit Agreement or Personal Credit Agreement Companion
Booklet for information on how your payments are allocated or applied to your
account.
2. INTEREST CHARGES: We calculate interest on the portion of your balance to which
interest applies using the annual percentage rate(s) which is shown on the front of
your statement, or which we have notified you of separately.
For Scotiabank American Express Cards, we will not charge interest on any purchases
or interest-bearing services charges (dishonoured payment fee and the overlimit fee)
if you pay, by the PAYMENT DUE DATE, the entire balance of the monthly statement
on which they first appear. If your current balance is not paid in full, we will charge
interest on all purchases and interest-bearing service charges from their transaction
date to the date they are paid in full. Interest is payable on each cash advance,
balance transfer and Scotia Credit Card Cheque from the transaction date indicated
on the statement to the date it is repaid in full. There is no interest-free grace period
for cash advances, balance transfers and Scotia Credit Card Cheques. Cash advances
include "quasi cash advances" which are monetary transactions posted to your
account which are not "purchase" transactions and include, but are not limited to,
wire transfers, foreign currency, travelers cheques, money orders and remote stored
value. American Express Cards are not presently accepted for the purchase of bets,
lottery tickets or casino gaming chips.
We calculate interest on your debt daily but we only add it to your debt once a
month on each statement. We calculate the amount of daily interest by adding any
new advances and subtracting any payments and then multiplying the unpaid balance
of the debt on which interest is payable by the annual interest rate then dividing by
365 or 366 in a leap year. Interest is charged on a leap day in a leap year. Interest is
charged at the rate applicable under the agreement both before and after the final
payment date, maturity, default and judgment, until the credit account has been paid
off in full.
Interest appearing on this statement is calculated only to the statement date. We will
continue to charge interest on the amounts you owe until we receive payment in full.
This interest will be reflected on your next statement. To pay off the full amount you
owe and stop interest accumulation, ask your branch for your payout balance and pay
that amount at the branch the same day. (This figure may not include insurance
premiums and/or transactions not posted to your account).
3. INTEREST RATE CHANGES: We will tell you the applicable interest rates. We may
change these rates from time to time in our sole discretion and in accordance with
applicable law even if you repay your credit account in accordance with its terms. For
variable interest rate accounts, interest is composed of two factors: our prime rate
and an adjustment factor. We will change our prime rate from time to time and will
post a notice of this in our branches. We may also change the adjustment factor, but
we will give you prior written notice of this, stating the effective date of the change.
4. TRANSACTION DATE & POSTING DATE: These dates are shown next to each
transaction on your statement; "TRANS DATE" is the date on which the transaction
occurred; and "POST DATE" is the date on which the transaction is applied to your
account.
5. CREDIT BALANCE: If you pay more than the total amount owing on your account,
your credit balance will be shown with a minus sign next to your account balance. We
will apply the credit to any future charges on your account, unless you ask us in
writing to return the credit amount to you.
6. TRANSACTIONS IN FOREIGN CURRENCY/ CROSS BORDER:
All transactions made in a foreign currency are converted and posted to your account
in Canadian dollars. For card transactions in a foreign currency other than U.S.
dollars, the amount is converted to U.S. dollars and then to Canadian dollars.
For a transaction with your Scotiabank American Express Card, the exchange rate is
determined by American Express on the date the transaction is processed by American
Express. This exchange rate may be different from the exchange rate in effect on the
transaction date. A commission of 2.50% will be added to all charges in foreign
currency after being converted to Canadian dollars,1.0% of which will be retained by
American Express. For any reversal of a transaction the exchange rate that is used to
process the credit may not be the same exchange rate as the one used to convert the
original charge (and will include an amount equal to 2.50% of the Canadian dollar
amount).
For Scotiabank American Express Card account payments and Scotia Credit Card
Cheques, the exchange rate will be the posted rate charged to customers at any
branch of The Bank of Nova Scotia on the date the transaction occurs. For any reversal
of these transactions, the exchange rate will be determined in the same manner as of
the date the transaction is reversed.
For cash withdrawals made from ABMs outside of Canada using a ScotiaCard debit
card to obtain a cash advance on the Scotiabank American Express Card account the
SBAXEP_20100_D15104_A - 0003022
012272
Scotiabank American
Express Card
Transactions - continued
TRANS. POST
REF.# DATE DATE
DETAILS
AMOUNT($)
SUB-TOTAL CREDITS
SUB-TOTAL DEBITS
$70.00$48.81
SBAXEP_20100_D15104_A - 0003022
HRI - - 3 - 2 - 24 - -
012273
3.15
005
1.91
006
3.15
007
20.01
008
50.00
009
20.00
010
20.02
011
012
37.27
013
100.00-
014
015
016
30.02
017
30.12
018
30.50
019
020
021
1.25
022
6.30
023
024
27.05
025
10.00
026
20.00
027
20.01
028
40.01
029
40.01
030
54.20
031
032
033
034
11.99
035
20.00
036
20.00
037
40.52
038
2.78
039
20.00
040
24.69
041
45.40
042
60.01
3.15
3.15
3.15
3.25
81.86
160.00
113.37
3.15
3.15
Transactions - continued
DETAILS
AMOUNT($)
043
40.00
044
70.05
045
046
30.01
047
30.01
048
049
050
051
40.00
052
50.00
053
054
055
Mar 29 Apr 2
SHOPPERSDRUGMART2403 CALGARY AB
056
Mar 30 Apr 1
CHATTERS CALGARY AB
057
Apr 1
Apr 6
058
Apr 1
Apr 6
10.00
059
Apr 1
Apr 7
20.01
060
Apr 1
Apr 7
30.00
061
Apr 1
Apr 7
40.15
062
Apr 1
Apr 7
42.00
063
Apr 1
Apr 7
064
Apr 1
Apr 2
065
Apr 2
Apr 6
066
Apr 2
Apr 7
20.00
067
Apr 2
Apr 7
20.00
068
Apr 2
Apr 7
24.03
069
Apr 2
Apr 7
24.70
070
Apr 2
Apr 7
29.99
071
Apr 3
Apr 7
25.00
072
Apr 3
Apr 7
40.00
073
Apr 3
Apr 7
40.03
074
Apr 5
Apr 7
20.00
075
Apr 6
Apr 8
076
Apr 6
Apr 9
34.09
077
Apr 6
Apr 9
70.00
078
Apr 7
Apr 9
3.99
079
Apr 7
Apr 10
3.15
080
Apr 7
Apr 10
4.99
081
Apr 7
Apr 7
082
Apr 8
Apr 10
083
Apr 8
Apr 13
30.00
084
Apr 9
Apr 14
20.01
085
Apr 9
Apr 14
23.69
086
Apr 10
Apr 13
3.15
60.01
500.0050.00
3.14
25.20
109.82
47.00
3.14
91.90
244.00-
3.15
200.003.15
3.15
012274
3.15
SBAXEP_20100_D15104_A - 0003022
TRANS. POST
REF.# DATE DATE
Scotiabank American
Express Card
Transactions - continued
TRANS. POST
REF.# DATE DATE
DETAILS
087
Apr 10
Apr 13
10.00
088
Apr 12
Apr 14
40.11
AMOUNT($)
$1,044.00$2,376.57
Interest charges
Cash advances/cheques
$0.00
$0.00
Purchases
$0.00
SBAXEP_20100_D15104_A - 0003022
HRI - - 3 - 3 - 25 - -
012275
SBAXEP_20100_D15104_A - 0003022
012276