Asad Bank Statement

Statement Period Mar 13, 2015 - Apr 14, 2015
Statement date
Apr 14, 2015
Account #
3792 400239 17011
Page
1 of 5
Scotiabank American
Express Card
#32 - 850 SADDLETOWNE CIRCLE NE

CALGARY, ALBERTA T3J 0H5
If you have any questions about this

statement, call us at:
1-888-861-5443 / 416-701-7820
TTY Service 1-800-645-0288
SBAXEP_20100_D15104_A E S 81349
MR ASAD CHEEMA
75 MARTHAS HEAVEN PL NE
CALGARY, AB T3J 3W2
Payment due date

Total minimum payment
Current minimum payment
Borrowers on this account;
New balance
This statement covers transactions posted to your account during the Statement Period.
Scotia Rewards Summary

Based on your eligible purchases, please find below the Scotia
Rewards points you have earned on your Scotiabank American
Express Card for this Statement PeriodI:
SBAXEP_20100_D15104_A - 0003022
HRI - - 3 - 1 - 23 - -
012271
Beginning points balance
3,030
Points earned (1x earn rate**)
720
Bonus points earned
5,000
Points redeemed / transferred
7,000
Ending points balance
2,250
Scotia Rewards points earned, including any bonus points earned,

points adjustments or points redeemed on the Statement Date may
not be reflected.
I
For more information on your Scotia Rewards points, and to

sign-up for email offers, visit www.scotiarewards.com or call
1-800-665-2582.
Transactions since your last statement

AMOUNT($)
001
Apr 11
Apr 13
002
Apr 14
Apr 14
CREDIT VOUCHER/RETURN SCOTIAREWARDSBYOTE MISSISSAUGA ON

ANNUAL FEE
003
Apr 14
Apr 14
SCOTIA SCCP PREMIUM
$0.00
$0.00
$1,114.00
$2,425.38
$1,311.38
$2,000.00
$688.00
Annual interest rates as of statement date:

Cash advances
21.99%
Purchases
19.99%
**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
Points earned (2x earn rate**)
TRANS. POST
REF.# DATE DATE
$10.00
Previous balance, Mar 12/15

Interest
+
Payments/credits
Purchases/charges
+
MR ASAD CHEEMA
May 5, 2015
$10.00
70.0039.00
9.81
Continued on page 3

Statement date
Apr 14, 2015
Account #
3792 400239 17011
Page
2 of 5
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
exchange rate is determined by the appropriate network on

our behalf on the date that the transaction is settled with that
network. This exchange rate may be different from the
exchange rate in effect on the transaction date. This rate
includes an amount equal to 2.50% of the Canadian dollar
converted amount.
For a transaction with your Scotiabank American Express Card
in Canadian dollars with a merchant located outside of
Canada, a Cross Border Transaction Fee will be charged, equal
to 2.50% of the Canadian dollar amount of the transaction,
1% of which will be retained by American Express.
7. HOW TO CONTACT US: If your Scotiabank American Express
Card or Scotia Credit Card cheque is LOST OR STOLEN, please
contact us IMMEDIATELY at one of the following numbers:
U Toronto area
416-288-1440
U All other area codes within Canada
1-800-387-6466
U Outside Canada (Collect)
416-288-1440
If you believe there are errors on your statement, please
contact your branch or call us at one of the numbers listed
above within 15 days of your statement date.
If you wish to apply for a higher credit limit or additional
cards, please contact your Scotiabank servicing branch.
If you have general questions about your statement, you can
write to us at:
Scotiabank Contact Centres
P. O. Box 4100
Postal Station "A"
Toronto, Ontario M5W 1T1
8. PAYMENT OPTIONS:
Pay your Scotiabank American Express card at any of
Scotiabank's self-service banking channels:
U Scotia OnLine Financial Services:
www.scotiaonline.scotiabank.com
U Scotiabank ABM in Canada
U TeleScotia automated telephone banking at 1-800-267-1234
U By mail. Complete and return the slip attached to your
statement (if applicable) along with your payment. Make
cheque or money order payable to Scotiabank. If your
statement did not include a payment slip and return
envelope, please ensure that your account number is written
on your cheque and mail it to address shown above:
U At any Scotiabank branch in Canada.
PLEASE WRITE YOUR ACCOUNT NUMBER ON ALL
CORRESPONDENCE AS WELL AS ON THE FRONT OF YOUR
CHEQUE OR MONEY ORDER (payable to Scotiabank).
9. *** ESTIMATE OF THE TIME IT WILL TAKE TO PAY THE
OUTSTANDING BALANCE ON SCOTIABANK AMERICAN
EXPRESS CARD ACCOUNTS: This mathematical calculation is
approximate and is for information purposes only. The
calculation assumes: (i) the outstanding balance on this
statement is rounded up to the nearest $100; (ii) the first
minimum payment is the amount shown in the TOTAL
MINIMUM PAYMENT box, including any overlimit or overdue
amount(s); (iii) each subsequent minimum payment is based on
a declining balance and a declining minimum payment; (iv)
each minimum payment will be made on its corresponding
due date; (v) a final minimum payment equal to the
outstanding balance of the account will be due by the 80th
year of the calculation, if applicable; (vi) monthly interest is
added to the account using a constant interest rate equal to
the current Preferred Rate for purchases, except that the
higher Standard Rate for purchases is used if that rate is
currently applicable to your account; and (vii) monthly interest
is calculated by multiplying the entire projected outstanding
balance for each statement period by the annual interest rate,
then dividing by 360, and then multiplying by 30. The actual
time to pay your outstanding balance will depend on various
factors including the prevailing interest rate(s) and the
amounts, timing and application of any payments made, the
nature of any card transactions and any applicable grace
periods.
American Express is a trademark of American Express. American
Express/Lic. user. The Bank of Nova Scotia. Registered trademark
of The Bank of Nova Scotia. TM Trademarks of The Bank of Nova
Scotia. This credit card program is issued and administered by
The Bank of Nova Scotia.
Date revised November 2012.
SBAXEP_20100_D15104_A - 0003022
INFORMATION ABOUT YOUR SCOTIABANK STATEMENT
012272
Scotiabank American Express Card

Statement date
Apr 14, 2015
Account #
3792 400239 17011
Page
3 of 5
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
MR ASAD CHEEMA - 3792 400239 17011

004 Mar 11 Mar 13 CALGARY -CALGARY TRA CALGARY AB
3.15
005
Mar 11 Mar 16 Shell Canada C00188 CALGARY AB
1.91
006
Mar 11 Mar 16 CALGARY -CALGARY TRA CALGARY AB
3.15
007
20.01
008
50.00
009
20.00
010
20.02
011
012
Mar 13 Mar 16 SHOPPERSDRUGMART2403 CALGARY AB
37.27
013
100.00-
014
Mar 13 Mar 13 MB-CREDIT CARD/LOC PAY. FROM 81349045 5385

015
016
30.02
017
30.12
018
30.50
019
020
Mar 16 Mar 18 THE BODY SHOP TORONTO ON
021
Mar 17 Mar 19 SHOPPERSDRUGMARTPO24 CALGARY AB
1.25
022
6.30
023
Mar 17 Mar 19 PASSPORT/PASSEPORT,CAL 14 CALGARY AB
024
Mar 17 Mar 23 SHOPPERSDRUGMART2403 CALGARY AB
27.05
025
10.00
026
20.00
027
20.01
028
40.01
029
40.01
030
54.20
031
032
Mar 18 Mar 23 KOODO AIRTIME KOODO AIRTI SCARBOROUGH

ON
033
034
Mar 19 Mar 23 PAYPAL *2YK COM*2YK COM BRAMPTON
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
Continued on next page

Statement date
Apr 14, 2015
Account #
3792 400239 17011
Page
4 of 5
Scotiabank American Express Card
DETAILS
AMOUNT($)
043
40.00
044
70.05
045
046
30.01
047
30.01
048
049
050
Mar 25 Mar 25 MB-CREDIT CARD/LOC PAY. FROM 81349045 5385

051
40.00
052
50.00
053
Mar 29 Mar 30 TIM HORTONS #3565# QPCALC CALGARY AB
054
Mar 29 Mar 31 CHATTERS CALGARY AB
055
Mar 29 Apr 2
SHOPPERSDRUGMART2403 CALGARY AB
056
Mar 30 Apr 1
CHATTERS CALGARY AB
057
Apr 1
Apr 6
TIM HORTONS #3565# QPCALC CALGARY AB
058
Apr 1
Apr 6
STARBUCKS #04403# CALGARY AB
10.00
059
Apr 1
Apr 7
Shell Canada C00188 CALGARY AB
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
MB-CREDIT CARD/LOC PAY. FROM 81349045 5385

CALGARY -CALGARY TRA CALGARY AB
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
FRITOU FRIED CHICKEN CALGARY AB
34.09
077
Apr 6
Apr 9
AIR CANADA AIR CANADA WINNIPEG
70.00
078
Apr 7
Apr 9
SAFEWAY #8909 CALGARY AB
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
MB-CREDIT CARD/LOC PAY. FROM 81349045 5385

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
Continued on next page
012274
3.15
SBAXEP_20100_D15104_A - 0003022
TRANS. POST
REF.# DATE DATE

Statement date
Apr 14, 2015
Account #
3792 400239 17011
Page
5 of 5
Scotiabank American
Express Card
TRANS. POST
REF.# DATE DATE
DETAILS
087
Apr 10
Apr 13
SAFEWAY #8909 CALGARY AB
10.00
088
Apr 12
Apr 14
40.11
AMOUNT($)
SUB-TOTAL CREDITS - 3792 400239 17011

SUB-TOTAL DEBITS - 3792 400239 17011
$1,044.00$2,376.57
Interest charges
Cash advances/cheques
$0.00
Special rate offers
$0.00
Purchases
$0.00
SBAXEP_20100_D15104_A - 0003022
HRI - - 3 - 3 - 25 - -
012275
Estimate of the time it will take to pay the "New Balance"

shown on this statement, through minimum payments***:
11 Years and 08 Months.
SBAXEP_20100_D15104_A - 0003022
012276

Asad Bank Statement

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Statement Period Mar 13, 2015 - Apr 14, 2015

#32 - 850 SADDLETOWNE CIRCLE NE

If you have any questions about this

Payment due date

Borrowers on this account;

Scotia Rewards Summary

Beginning points balance

Points earned (1x earn rate**)

Bonus points earned

Points redeemed / transferred

Ending points balance

Scotia Rewards points earned, including any bonus points earned,

For more information on your Scotia Rewards points, and to

Transactions since your last statement

CREDIT VOUCHER/RETURN SCOTIAREWARDSBYOTE MISSISSAUGA ON

SCOTIA SCCP PREMIUM

Annual interest rates as of statement date:

Points earned (2x earn rate**)

Previous balance, Mar 12/15

Statement Period Mar 13, 2015 - Apr 14, 2015

exchange rate is determined by the appropriate network on

INFORMATION ABOUT YOUR SCOTIABANK STATEMENT

Scotiabank American Express Card

Statement Period Mar 13, 2015 - Apr 14, 2015

MR ASAD CHEEMA - 3792 400239 17011

Mar 11 Mar 16 Shell Canada C00188 CALGARY AB

Mar 11 Mar 16 CALGARY -CALGARY TRA CALGARY AB

Mar 11 Mar 16 Shell Canada C00188 CALGARY AB

Mar 11 Mar 16 Shell Canada C00188 CALGARY AB

Mar 12 Mar 17 Shell Canada C00188 CALGARY AB

Mar 12 Mar 17 Shell Canada C00188 CALGARY AB

Mar 13 Mar 16 CALGARY -CALGARY TRA CALGARY AB

Mar 13 Mar 16 SHOPPERSDRUGMART2403 CALGARY AB

Mar 13 Mar 13 MB-CREDIT CARD/LOC PAY. FROM 81349045 5385

Mar 15 Mar 16 CALGARY -CALGARY TRA CALGARY AB

Mar 15 Mar 17 Shell Canada C00188 CALGARY AB

Mar 15 Mar 17 Shell Canada C00188 CALGARY AB

Mar 15 Mar 17 Shell Canada C00188 CALGARY AB

Mar 15 Mar 18 Shell Canada C00188 CALGARY AB

Mar 16 Mar 18 THE BODY SHOP TORONTO ON

Mar 17 Mar 19 SHOPPERSDRUGMARTPO24 CALGARY AB

Mar 17 Mar 19 CALGARY -CALGARY TRA CALGARY AB

Mar 17 Mar 19 PASSPORT/PASSEPORT,CAL 14 CALGARY AB

Mar 17 Mar 23 SHOPPERSDRUGMART2403 CALGARY AB

Mar 18 Mar 23 Shell Canada C00188 CALGARY AB

Mar 18 Mar 23 Shell Canada C00188 CALGARY AB

Mar 18 Mar 23 Shell Canada C00188 CALGARY AB

Mar 18 Mar 23 Shell Canada C00188 CALGARY AB

Mar 18 Mar 23 Shell Canada C00188 CALGARY AB

Mar 18 Mar 23 Shell Canada C00188 CALGARY AB

Mar 18 Mar 23 KOODO AIRTIME KOODO AIRTI SCARBOROUGH

Mar 19 Mar 23 CALGARY -CALGARY TRA CALGARY AB

Mar 19 Mar 23 PAYPAL *2YK COM*2YK COM BRAMPTON

Mar 19 Mar 24 Shell Canada C00188 CALGARY AB

Mar 19 Mar 24 Shell Canada C00188 CALGARY AB

Mar 19 Mar 24 Shell Canada C00188 CALGARY AB

Mar 20 Mar 24 Shell Canada C00323 CALGARY AB

Mar 21 Mar 24 Shell Canada C00188 CALGARY AB

Mar 21 Mar 24 Shell Canada C00188 CALGARY AB

Mar 21 Mar 24 Shell Canada C00188 CALGARY AB

Mar 21 Mar 24 Shell Canada C00188 CALGARY AB

Continued on next page

Statement Period Mar 13, 2015 - Apr 14, 2015

Mar 19 Mar 23 PAYPAL 2YK COM2YK COM BRAMPTON