Score with your everyday purchases.

The following definitions apply to these Terms and Conditions:

•        “Cardholder” means the Primary Cardholder of a Scotiabank Mastercard® credit card.

•        “Promotional Period” refers to the period from October 19, 2026, to December 31, 2026.

•        “Digital Entry” refers to each entry the Cardholder will receive during this Promotion.

•        “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. A Cardholder must receive and open an email invitation from Mastercard® to participate in this Promotion. If the Cardholder does not receive and open an email invitation from Mastercard®, they will not be eligible to participate in this Promotion, regardless of reaching the Spend Goal. There is no separate registration required for this Promotion.

•        “Eligible Purchase/Transaction” means any local retail, internet, phone or mail order purchase or Point of Sale transaction (not including returns/credits or any fees and/or bank charges) that is settled in the local currency of Trinidad and Tobago and that meets the minimum Spend Goal. For the avoidance of doubt, only purchases and transactions made in local currency are eligible.

•        “Purchases” means any local retail, internet, phone or mail order purchase or Point of Sale transaction settled in the local currency of Trinidad and Tobago.

•        “Eligible Credit Card” refers to all personal Scotiabank Mastercard® credit cards. Transactions made using Scotiabank debit cards, Scotiabank Small Business, Commercial or Corporate credit cards, are excluded from this Promotion.

•        “Spend Goal” refers to the predetermined amount, that will be shared with selected Cardholders by way of email, and which must be met by making eligible Purchases or performing Eligible Transactions in local currency using the Cardholder’s Scotiabank Mastercard® credit cards.

•        “Good Standing” refers to a credit card product that is active, the Cardholder has not engaged in any prohibited activities and is fulfilling the terms and conditions of their Financial Services Agreements with Scotiabank.

•        “Prize” refers to the item(s) listed below that a credit card Cardholder may win if they are selected as a winner in this Promotion, which is a Travel Package together with an exclusive Messi Fan Box or a Digital Gift Card

•        “Travel Package” refers to the travel destination available to the winner, to Miami, Florida, in the United States of America (the Priceless™ Miami Experience, including VIP access to an Inter Miami CF® match).

•        “Digital Gift Card” refers to adigital gift card  that some Cardholders may be awarded during this Promotion.

•        "Recurrent Payment Subscription" refers to the registration of the Cardholder's Eligible Scotiabank Mastercard® credit card for recurring or subscription-based payments with a merchant.

•        “Xperiences by K2” means the travel and event-logistics agency designated by Mastercard® for the coordination, purchase and delivery of the Travel Package (flights, hotel, insurance and experiences).

•        “Scotiabank” or “the Bank” means Scotiabank Trinidad and Tobago Limited.

This Promotion is open to legal residents of Trinidad and Tobago, who are 21 years of age or older. These Terms and Conditions shall also be governed by the applicable laws of Trinidad and Tobago.

Eligibility

1.     This Promotion is open to legal residents of Trinidad and Tobago aged 21 years of age or older, who hold an Eligible Scotiabank Mastercard® 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 as any of these employees. Employees of the Bank’s advertising and promotional agencies, and of Xperiences by K2, 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.

2.     Existing Scotiabank credit card clients who have, or have opened, a credit card with the Bank during the Promotional Period, are also eligible for this Promotion.

3.     Eligibility is restricted to selected credit card Cardholders that are still active at the time of the draw, are in Good Standing and have not been frozen or closed.

4.     Only Eligible Purchases/Transactions made in the local currency of Trinidad and Tobago will be considered toward the earning of entries. There is no limit on the number of entries a Cardholder may receive.

5.     No cross-border transactions, international purchases, or any type of expenses or transactions made in a currency other than the local currency of Trinidad and Tobago are eligible under this Promotion, and none of the foregoing will count toward the Spend Goal or the earning of entries.

6.     If a Cardholder earns a Prize but ceases to be a client during the Promotional Period, or the individual’s accounts cease to be in Good Standing or become an “immediate family member”, then the Cardholder shall be considered ineligible to receive the Prize.

7.     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.

How to Participate

1.     During the Promotional Period, Cardholders will receive an initial email and reminder emails to their email address on the Bank’s record, which will contain details of the Promotion including their accumulated Spend Goal amount required to participate. This accumulated Spend Goal must be reached during the Promotional Period. There is no separate r registration required; once the Cardholder receives and opens the email invitation they are considered eligible to participate in this Promotion.

2.     Cardholders will receive one (1) Digital Entry to participate in the Prize draw for each occasion they achieve their personalized Spend Goal, in local currency, during the Promotional Period. The goal will be communicated individually to each client by email.

For example: if a Cardholder receives a Spend Goal of TT$700 and, at the end of the Promotional Period, the Cardholder has accumulated TT$3,500 in eligible local-currency purchases, the Cardholder will generate five (5) Digital Entries for a chance to win a Prize in this Promotion.

Prize Draw

3.     If the winner declines to fulfill these conditions to collect the Prize, their eligibility will be voided, and another winner will be drawn from the back-up winners in the order they were selected. All unaccepted prizes will be retained by the Bank.

4.     Contact will be attempted using the Cardholder’s phone number as found on the Bank’s records. If the winner cannot be contacted by telephone within five (5) days of the draw date, the Bank has the right to offer the Prize to a back-up winner.

5.     The draw for the Prizes will be done on Friday, February 5, 2027, by the Scotiabank Regional Product, Marketing and Finance Units. The date described is a reference and may vary depending on the circumstances.

Following the Prize draw, the winner will be notified via the contact details to whom the email was addressed. The winner has forty-eight (48) hours from the time and date of the notification being sent to respond to and claim the Prize. If the Prize is not claimed by the winner within this time frame, the Prize will be selected from the back-up winners in the order that it was drawn, and any previous winner will forgo all claims to the Prize.

6.     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.

Boosters (additional chances / entries)

For each of the following, clients will receive one (1) additional entry for each local currency transaction completed via:

•     .Recurrent Payment Subscription registered with the Eligible Credit Card.

There is no limit on the number of Digital Entries a Cardholder may receive during the Promotional Period.

Prize

1.     Each entry generated will qualify the Cardholder to be entered to win  a Prize: either a Travel Package or a Digital Gift Card. Note that a Cardholder can only win once in the “Purchases that score” Promotion.

2.     Only one (1) Travel Package (plus one (1) exclusive Messi Fan Box) or 30 Digital Credit Cards valued at USD $200  will be awarded after the close of the Promotional Period.

3.     The Travel Package is available for use only by legal residents of Trinidad and Tobago who are 21 years of age or older.

The Prize is a Travel Package, to Miami, Florida, United States of America (the Priceless™ Miami Experience, including VIP access to an Inter Miami CF® match), together with an exclusive Messi Fan Box.

The Travel Package is only redeemable for the following:

•        Round trip airfares from Trinidad to Miami, Florida, USA, for one (1) winner and one (1) winner guest, to travel before May 31, 2027.

•        1 standard baggage (23kg) per person will be allowed on the aircraft.

•        Transportation from airport – hotel – airport in Miami, Florida for two (2).

•        Five (5) days and four (4) nights of accommodation in one (1) room for two (2) adults at a luxury hotel (or similar) selected by the Bank/Agency.

•        Transportation for all activities included within the Travel Package.

•        Breakfast daily for two (2).

•        VIP access to an Inter Miami CF® match at the designated stadium, with all-inclusive premium hospitality (food and beverages) during the match.

•        One (1) exclusive Messi Fan Box, which may include, subject to availability at the time of delivery: a signed Messi jersey, mini UCL Trophy, Argentina pin, gold boot shoelaces, a Messi figurine and ten (10) collectable cards.

•        Excursions/activities for two (2).

•        This is a single-use Travel Package. Any unused portion of the Package is forfeited and is not redeemable for cash or other forms of credit.

•        The Prize is not transferable and cannot be substituted for another destination or for its cash equivalent.

•        The value of the Travel Package is USD$20,000.

•        The winner must provide information in advance about their respective guest, who must comply with the terms and conditions of this Prize.

•        Once the winner has shared the data of the guest, no changes can be made.

•        The winner and their guest must hold a valid visa to enter the United States of America and a passport valid for at least six (6) months beyond the travel date.

•        The winner and their guest are solely responsible for ensuring that they comply with all the necessary immigration requirements (which include but are not limited to obtaining any relevant travel documents, visas, and permissions) to travel to the selected country above. No assistance will be provided by the Bank, Mastercard® or Xperiences by K2 in relation to visa processing, application services, or associated fees, and these should not be expected or considered as part of the Prize.

•        The full and timely provision of the information and documentation of all travelers (winner and guest) - including full names, ages and nationalities — is indispensable for the purchase of the packages (flights, hotel, insurance and experiences). No hotel, flight, insurance or experience purchases will be processed without the complete documents and information of all travelers. Travel insurance must be issued in the name of the person travelling; this service will be the last to be arranged, once the full names, ages and nationalities of the winner and guest are known.

•        Experiences, hotels and restaurants may vary, depending on the travel dates and availability.
 

Itinerary (which may be subject to change):

Day	Activities
Day 1 – Arrival in Miami	Transfer from the airport to a luxury hotel (or similar); hotel welcome and reception; Priceless™ welcome dinner at a high-end restaurant (or similar) with premium dining.
Day 2 – Miami Beach	Breakfast at the hotel; private retro convertible tour across Ocean Drive and the Art Deco District; dinner at a high-end restaurant (or similar).
Day 3 – Luxury & Fine Dining	Breakfast at the hotel; private Biscayne Bay yacht experience; premium shopping time; dinner at a high-end fine-dining restaurant (or similar).
Day 4 – Match Day	Breakfast at the hotel; VIP access to an Inter Miami CF® match at the designated stadium, with all-inclusive premium hospitality, food and beverages during the match.
Day 5 – Departure	Breakfast at the hotel; transfer from the hotel to the airport for departure from Miami.

Digital Gift Cards

Digital Gift Cards will be awarded through a separate draw conducted at the conclusion of the Promotional Period amongst eligible Cardholders. The recipients of the Digital Gift cards will be selected independently from the Travel Package Prize winner’s draw and are not required to be the same individual. However, a participant may win only one (1) Prize in this Promotion. Once a Cardholder is selected and confirmed as the recipient of any Prize, whether a Digital Gift Card or the Travel Package, that Cardholder shall no longer be eligible to receive any other Prize in this Promotion.

1.     The Digital Gift Cards are electronic vouchers of USD $200 denominations. Each consists of a digital code that may be redeemed on the corresponding merchant’s website or app, subject to the specifications, terms and conditions of each voucher, which may be consulted by the Participant.

2.     The Digital Gift Cards in this Promotion will be awarded by way of an electronic random draw amongst all Eligible Cardholders who have received and opened the email invitation and met the Spend Goal assigned during the Promotional Period. The Digital Gift Card will NOT be awarded based on the order in which the Spend Goal is reached, nor on a chronological/first-come basis, but by random selection among Eligible Cardholders.

3.     Only one (1) Gift Card may be won per Cardholder during the promotion, regardless of how many times the Spend Goal is achieved.

4.     The delivery of the Digital Gift Cards are subject to:

•        the Cardholder having received and opened the email invitation and the validation of the achievement of the assigned Spend Goal;

•        the Cardholder being selected as a winner in the electronic random draw for a Digital Gift Card

The availability of Digital Gift Cards. Scotiabank will make available thirty (30) Digital Gift Cards to award.

•        The Cardholders selected as a winner for a Digital Gift Card will receive an email from Scotiabank on or before February 15, 2027.

•        Each Gift Card is delivered in the form of a digital code, which may be redeemed through the website or application of the corresponding merchant, in accordance with the specifications, terms and conditions established by that merchant.

•        The said message will contain the digital code of the Gift Card and the instructions for its redemption.

Note: The digital Gift Card will be issued by Amazon.com. Its redemption will be governed by the specifications, terms and conditions established by that merchant.

Lionel Messi — No Guarantee of Appearance

This Promotion uses licensed assets authorized by Mastercard®. The Prize does not include any personal meeting, interaction, photograph, additional autograph or direct participation of Lionel Messi.

The Promotion does not ensure, promise, guarantee or suggest, in any way, that the winner and/or their guest will see, meet, greet, interact or coincide with Lionel Messi. Likewise, it is not guaranteed that, on the day of the Inter Miami CF® match attended by the winner, Lionel Messi will be present, be selected, form part of the line-up or take part (play) in that match. The presence, call-up, line-up or participation of Lionel Messi, as well as of any other player, depends exclusively on decisions of the club, coaching staff and circumstances beyond the control of the Bank, Mastercard® and Xperiences by K2; therefore, his absence shall not give rise to any claim, refund, compensation, prize substitution or indemnity whatsoever.

Availability of Experiences

**Experiences, tours, restaurant reservations, activities, and other destination-related offerings in this Promotion are subject to availability at the time of booking and may vary based on travel dates, destination capacity, operating schedules, and other factors. If an originally selected experience is unavailable, comparable alternatives of a similar category and value may be offered at the sponsor’s discretion. Availability cannot be guaranteed, and final itineraries may be adjusted as necessary to accommodate operational requirements and supplier availability.

Force Majeure, Cancellation and Rescheduling

In the event of public order situations, natural disasters, health emergencies, travel restrictions, border closures or any other event of force majeure or fortuitous event affectingthe  countries mentioned in this Promotion, the trip may be cancelled and rescheduled once the  force majeure event in the countries mentioned in this Promotion rhas been normalised or resolved. Any rescheduling will be subject to the availability of the activities forming part of the Travel Package t, without this giving rise to any liability, refund, compensation or indemnity on the part of the Bank, Mastercard® or Xperiences by K2. No portion of the Prize may be deemed for cash.

Accident or Death of a Winner

In the event of accident, incapacity or death of the winner before or during the enjoyment of the Travel Package, the Prize shall not be transferable to third parties or heirs, cannot be substituted for another destination, nor be exchanged for its cash equivalent. The Bank may, at its sole discretion and in accordance with these Terms and Conditions, declare the Prize void or select a back-up winner. Neither the Bank, nor Mastercard®, nor Xperiences by K2 shall assume any liability for accidents, illness, injuries or death occurring before, during or after the prize trip.

Exclusions of the Travel Package or Prize

The following items are not included in the Travel Package, and any associated costs are to be covered exclusively by the Winner and their guest:

•        Any incidental travel expenses, as well as any ground, air, or rail transportation costs not expressly detailed above — including, but not limited to, transportation to and from the Winners’ residences — are excluded and will not be covered.

•        Any costs associated with the dispatch/delivery of passports and/or travel visas.

•        Connecting flights (including from home city to the departure gateway city).

•        Sightseeing tours and other in-selected-destination activities not included in the Travel Package.

•        Travel-related fees/surcharges (including, but not limited to, additional baggage, airport improvement fees, taxes, etc.).

•        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 during guests’ free time outside of scheduled activities.

•        Excess baggage fees.

•        Costs associated with obtaining necessary vaccinations.

•        Items of a personal nature / personal expenses.

•        Additional meals.

•        Room upgrades.

•        Tips & gratuities.

•        Medical assistance/coverage beyond any travel insurance provided.

•        Any activity not specifically included in the Travel Package shall be considered as excluded unless otherwise decided by Scotiabank in its sole discretion.

•        Scotiabank will not be responsible for any changes that occur in the Prize.

In the event of any cancellation of the Prize, Scotiabank is released from all liability and will not apply any refunds or compensation in this regard.

General Provisions

The winner’s name may be published in the media. The winner must also agree to the use of their name, and/or the use of videos and photographs of them without compensation, in any forthcoming publicity by Scotiabank specific to this Promotion.

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 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, and/or to opt out of this Promotion, please call the Scotiabank Client Experience Centre by dialing the number on the back of your Scotiabank Mastercard® credit card up to 15 days after receiving your invitation email. For further details on credit cards please visit www.tt.scotiabank.com.

Promotion approved by the National Lotteries Control Board.

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

® Mastercard is a registered trademark, and the circles design is a trademark, of Mastercard International Incorporated. All rights reserved.

Priceless™ is a trademark of Mastercard International Incorporated. Inter Miami CF® and the name, image and related elements of Lionel Messi are used under the corresponding rights and licenses solely for the promotional purposes of this campaign.