Your Scotia credit card is your ticket to Crop Over.

Terms & Conditions

The following definitions apply to these Terms and Conditions:

• “Cardholder” means the primary cardholder of an eligible Scotiabank retail credit cards.
• “Promotional Period” refers to the period from June  23rd, 2025 to July 16th, 2025.
• “Promotion” refers to this promotion and not to any of the Bank’s other promotions or programs.
• “Eligible” refers to qualification to participate in this Promotion.
• "Purchases" means any retail, internet, phone or mail order purchase or Point of Sale transaction.
• “Eligible Purchases/transactions” means any retail, internet, phone or mail order purchase or Point of Sale transaction not including returns/credits or any fees and/or bank charges.
• “Eligible credit cards” refers only to Scotiabank retail Mastercard credit cards. Transactions using a Scotiabank Small Business or Corporate credit card are excluded from this Promotion.
• “Reward” refers to the prize which a Cardholder receives when they are selected as a winner in the Promotion.
• "Scotiabank" or the “Bank” means Scotiabank (Barbados) Limited.

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

How to Participate/Draw Prize:

·          During the Promotional Period Cardholders from Barbados will receive one (1) entry when they complete ALL the following transactions:

1. Make a minimum of five (5) credit card transactions valued at BBD $250 each or more.
2. Convert one (1) eligible purchase into a SelectPay™ installment plan with a minimum term of six (6) months; and
3. Make three (3) financial transactions using the Scotia Caribbean App or Scotia Online Banking (e.g. bill payment, funds transfer between accounts or to other local banks accounts).

·          The Cardholder can only win once in this Promotion.

Prize Info:

·          Each entry will qualify the Cardholder to be entered to win one (1) of the following five (5) Prizes.

Prize Info:

Eligibility

• This Promotion is open to legal residents of Barbados aged 18 years of age or older, who open and activate or use any of their retail Scotiabank Mastercard credit cards to complete the criteria outlined above with the exception of employees of the Bank, its respective parent company (The Bank of Nova Scotia) and its affiliates; their immediate family members (spouses, parents, children, siblings and their respective spouses) and/or those living in the same household as 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 selected Cardholders whose accounts are still active at the time of the draw, are in good standing (not overlimit or past due by any amount) and have not been frozen or closed.
• All Eligible Purchases/Transactions will be considered toward the earning of entry. Transactions from unauthorized card use or those made with lost, stolen or fraudulent Scotiabank credit cards will be considered void in the matter of this Promotion.

Draw Prize

• The draw for the Reward will be done on Monday July 21^st, 2025 by the Product Marketing Units for Barbados.
• The allotted number of winners will be randomly selected from an electronic Customer database with qualifying entries using a randomizer. Ten (10) entries will be drawn as back-up winners.

Draw - Consumer Disclosure / Notification of winners

• Attempts to notify the winners 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 winners by telephone within the aforementioned period other winners will be drawn from the back-up winners in their stead. After being notified by telephone, an email will be sent to the winners. The winners will then be required to provide proof of their age and sign an Affidavit of Eligibility/Prize Acceptance and Release within five (5) days of the email notification to be confirmed as winners. The winners will also be required to provide proof of ownership of the eligible credit card that was used to win the Reward. A valid form of national identification must also be presented to collect the Reward. For example, National ID card, Passport or Driver’s Licence.
• If the winners decline to fulfill these conditions to collect the Reward, their eligibility will be voided, and other winners will be drawn from the back-up winners in the order they were selected. All unaccepted prizes will be retained by the Bank.
• Contact will be attempted using the winning Cardholders’ telephone numbers as found in the Bank’s records. If the winners cannot be contacted by telephone within three (3) business days of the draw date the Bank has the right to offer the prize to back-up winners.
• The winners’ names may be published in the media. The winners must agree to the use of their names and photographs without compensation in any forthcoming publicity by Scotiabank or the prize may be forfeited.
• The winners and their guests will therefore be responsible for any taxes, tips, insurance, and expenses not explicitly stated as part of their prize, and must agree to release, discharge and hold the Bank harmless from and against any and all claims, losses, injuries or damage resulting from participation in the Promotion.
• The Reward cannot otherwise be redeemed or exchanged for cash or any other form of credit.

Exclusions from the Reward

·     The following costs and/or expenses are to be borne by the Winners and their guests:

-              Any other incidental travel expense(s) not specifically mentioned above. Ground/rail transportation not specifically mentioned above (including transportation to and/or from the Winners’ and/or the guests’ homes).

-              Sightseeing tours and other in-destination activities not specifically mentioned above.

-              Long distance telephone calls, room service, laundry service, mini-bar items, loss of hotel property, payment for damage to hotel property, or any other expense incurred at the hotel.

-              Transportation to and from events / hotel.

-              Items of personal nature / personal expenses.

-              Additional meals.

-              Room upgrade.

-              Tips & gratuities.

-              Medical assistance / coverage.

·     Scotiabank will not be responsible for any changes that occur in the aforementioned prize.

·     In the event of customer cancellation of the Reward, Scotiabank is released from all liability and will not apply any refunds or compensation to the winners’ accounts in this regard, nor can the Reward be exchanged for cash.

·        The use of your Eligible credit card to make purchases constitutes 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. Scotiabank reserves the right to void any and all entries of an entrant who Scotiabank believes has attempted to tamper with or impair the administration, security, fairness or proper play of this competition

·        This Promotion is a limited-time promotion which will run from June 23rd, 2025 to July 16th, 2025.

·        A Cardholder’s Reward earned through participation in this Promotion will be forfeited in the event that the Cardholder ceases to be a Cardholder at any time during the Promotional Period.

·        The Reward is not transferable and is subject to change as applicable.

·        The Reward 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 Reward.

In all matters relating to this Promotion, the decision of the Bank shall be final and binding in all respects.

Scotiabank has the right to exclude any individual from this Promotion 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 to 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.

To unsubscribe from receiving communications about, or to opt out of, this Promotion or future promotions, please call the Contact Centre by using the number stated on the back of your credit card.

For further details on Credit Cards, please visit the following:

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