Choose your band then select pay

The following definitions apply to these Terms and Conditions:

• “Cardholder” means the primary cardholder of an eligible Scotiabank retail credit card.
• “Promotional Period” refers to the period from March 11, 2025 to April 30, 2025,
• “Promotion” refers to this promotion and not any of Scotiabank’s other promotions or programs.
• “Eligible” refers to qualification to participate in this Promotion.
• "Purchases" means any retail, internet purchase, phone or mail order purchase or Point of Sale transaction. 
• “Local Eligible Purchases/Transactions” means any Point of Sale transaction meeting the minimum spend requirements (not including returns/credits or any fees and/or bank charges) made inside the country and done with one of the below specified carnival bands. .
• “Good standing” means the account should not be overlimit or past due any amount during the promotion period.
• “Eligible credit cards” refers only to Scotiabank retail credit cards. Transactions made using a Scotiabank Small Business or Corporate credit cards are excluded from this Promotion. Other Scotiabank retail credit cards are not eligible for this promotion.
• "Scotiabank" or “Bank” means The Bank of Nova Scotia Jamaica Ltd.

This Promotion is open to legal residents who are 18 years of age or older. These terms and conditions shall be governed by the applicable laws of the named country.

During the promotional period, cardholders will be entitled to receive one (1) entry for every purchase made with eligible credit cards with a minimum spend amount of JM$50,000 in any of the bands outlined below. The purchase must be converted into Select Pay no later than April 30th, 2025 to be eligible to participate in this promotion. Aggregate spends adding up to the minimum spend amount do not qualify. For example, if a customer does two transactions of $20,000 and $30,000 with a band and then converts the payments to select pay, those spends would not be eligible in this promotion. Only single spends meeting the minimum requirement and converted to Select Pay within the specified timeline will be eligible.

The bands that will be participating in this promotion are:

• Xodus Band
• Yardmas
• GenXS

The minimum spending requirement is inclusive of Value Added Tax and/or such other Government taxes as applicable in the jurisdiction where the transaction is processed. 

• Three (3) Cardholders only from each of the participating bands will be selected to win one (1) cashback prize.  Nine (9) Cardholders will be selected in total. Number of winners per band is also noted in table below.

• If the Cardholder who won the prize has more than one purchase converted into Select Pay in any of the participating bands, the cashback will be credited to the purchase of the highest value but not exceeding the maximum cashback prize.
• The Cardholder can only win once in this promotion.
• The Cardholder will earn an entry to win the prize for each eligible transaction they make during the Promotional Period.
• The draw for the Prize will be done on Friday, May 16^th, 2025 by the Product Marketing Units for the participating countries.
• The allotted number of winners will be randomly selected from an electronic customer database with qualifying entries using a randomizer (Excel format).  Four (4) entries in Jamaica will be drawn as back up winners.

• This Promotion is open to legal residents of the Jamaica aged 18 years of age or older, who hold an eligible Scotiabank credit card with the exception of employees of the Bank, its respective parent companies (The Bank of Nova Scotia and Bank of Nova Scotia Group) and subsidiaries; their immediate family members (spouses, parents, children, siblings and their respective spouses) and/or those living in the same household of any of these employees. Employees of the Bank’s advertising and promotional agencies, as well as their immediate family members, relatives and/or those living in the same households are also not eligible to participate in the Promotion. Eligibility is restricted to select Cardholders whose credit card account is still active at the time of the draw, is in good standing and has not been frozen or closed.
• All Eligible Transactions in local currencies will be considered toward the earning of entries. There are no limits to the number of entries a Cardholder may receive.
• Transactions from unauthorized credit card use or those made with lost, stolen, or fraudulent Scotiabank credit cards will be considered void in the matter of this Promotion. 

• Attempts to notify each winner will be made by telephone, three (3) times within three (3) business days from the date of the draw. Should the Bank be unable to speak to the winner by telephone within the aforementioned period another winner will be drawn from the backup winners in their stead. After being notified by telephone, an email will be sent to the winner. The winner will then be required to provide proof of their age and sign an Affidavit of Eligibility/Prize Acceptance and Release within five (5) business days of the email notification to be confirmed as a winner. The winner will also be required to provide proof of ownership of the Scotiabank credit card that was used to win the prize.  A valid form of national identification must also be presented to collect the prize. That is National ID card, Passport, or Driver’s License. Promotion is open to all card holder inclusive of supplemental card holders
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• If the winner declines or fails to fulfill these conditions to collect the prize, their eligibility will be voided, and another winner will be drawn from backup winners in the order in which they were selected. All unaccepted prizes will be retained by the Bank.
• Contact will be attempted using the Cardholder’s phone number as found in the Bank’s records. If the winner cannot be contacted by telephone within three (3) business days of the draw date the Bank has the right to offer the prize to the backup winner.
• The winners’ name may be published in the media. By accepting the prize the winner agrees to the use of their name and photographs without compensation in any forthcoming publicity by Scotiabank or the prize may be forfeited.
• The use of your Eligible Scotiabank credit card to make purchases together with your use of the Scotiabank Online Banking and Scotiabank Caribbean App to perform transactions in accordance with these terms and conditions constitute your consent to participate in this Promotion and your consent for The Bank to obtain your name, address and other information for the lawful purpose of administering this Promotion and for other uses as permitted by applicable law.  Scotiabank reserves the right, with consultation and approval from the relevant Gaming Commissions (as applicable) to void all entries of an entrant who Scotiabank believes has attempted to tamper with or impair the administration, security, fairness or proper play of this contest.
• Any Prize earned through participation in this Promotion will be forfeited in the event that the Cardholder ceases to be a Cardholder at any period from the beginning of the Promotion to draw time for this Promotion.
• Prizes are not transferable and are subject to change, with approval from the relevant Gaming Commissions (Betting, Gaming and Lotteries Commission in Jamaica, National Lotteries Control Board in Trinidad and Tobago, Gaming Authority of Guyana, and the Gaming Board for The Bahamas in The Bahamas) as applicable.
• Prizes must be accepted as awarded.
• The Bank will not be responsible for changes to the prizes which result from circumstances outside of its control.
• Scotiabank will issue no representation or warranty in respect of the prize.
• Unclaimed prizes will remain the property of Scotia Bank.

In all matters relating to this Promotion, the decision of the Bank shall be final and binding in all respects, subject to the approval from the relevant gaming authorities.

Subject to the approval from the relevant gaming authorities:

• Scotiabank has the right to exclude any individual from this offer in its absolute discretion without any obligation to provide notice or reason.
• Scotiabank reserves the right in its absolute discretion to vary the terms and conditions of this Promotion or change or withdraw this Promotion at any time without giving any reason. In the event of a dispute arising from this Promotion, the Bank’s decision is final.

These terms and conditions apply only to this Promotion and do not apply to any of the Bank’s other promotions or programs or any other promotion or program in conjunction with the Bank and any other entity or brand.

For further details on Credit cards please visit www.jm.scotiabank.com

Authorized under Section 58(3) of the Betting Gaming and Lotteries Act of Jamaica.

* Trademark of The Bank of Nova Scotia, used under license.