Scotia Momentum® Visa* Card (for students)

Annual Fee $49 Additional Cards Fee $15 Annual interest rate 20.99% Cash Advances 22.99%

Travel Medical Insurance no Travel Accident Insurance no Trip Cancellation Insurance no Trip Interruption Insurance no Vehicle Rental Insurance yes Travel Family Insurance no Lounge Access (four per year) no Concierge Services no Price Protection Insurance no Extended Warranty (1 Year) yes Special Offer no Purchase Protection (120 days) no Purchase Protection (90 days) yes Purchase Protection (180 days) no Lounge Access (two per year) no Lounge Access (one per year) no Mobile Payment no

Scotia Momentum Visa for Students; $0 annual fee; no minimum income; earn 1% cash back on gas, grocery, drugstore, and recurring payments; 0.5% on all other purchases; welcome offer: 5% cash back on up to $500 spent in first 3 months (up to $25); common carrier accident; purchase security; extended warranty; Visa Zero Liability; 19.99% purchase APR; 2.5% foreign transaction fee; builds credit history.Students who want immediate cash back on everyday categories while building credit for post-graduate life.