You don't have to wait on Santa.

The following definitions apply to these Terms and Conditions:

“Eligible” refers to any individual qualified to participate in this contest/campaign.

“Individual” means a person who has entered the contest/campaign during the Promotional Period.

“Client” refers to any Individual who has both a savings account and a chequing account and at least two (2) Eligible Credit Facilities with the Bank consisting of one (1) new or refinanced Scotia Plan Loan (SPL) and one (1) Credit Card.

“Promotional Period” means from November 10th, 2025 to January 31st 2026, inclusive of start and end dates.

“Promotion” refers to this Scotiabank Christmas Campaign 2025 and not any of The Bank’s other promotions or programs.

“Accounts” refers to the combination of a Client’s savings and chequing accounts, and the respective account(s) associated with their Eligible Credit Facilities.

“Eligible Credit Facilities” refers to any new or refinanced Unsecured Scotia Plan Loan (SPL) for or exceeding TTD $50,000.00 and a Credit Card with a minimum limit of TTD $10,000.00.

“The Bank” and “Scotiabank” means Scotiabank Trinidad and Tobago Limited.

“Prize” refers to the prize(s) offered at the end of the promotional period by The Bank.

ELIGIBLITY

1. This Promotion is open to legal residents of Trinidad and Tobago, 18 years of age or older who have  an Account or have opened one during the Promotional Period, and who have applied for, and activated, or received the proceeds of, an Eligible  Facility during the Promotional Period,  with the exception of Scotiabank employees and/or those living in the same household of Scotiabank employees, their immediate families including (spouses, parents, children, siblings, and their respective spouses), as well as any of Scotiabank’s partner companies, subsidiaries and/or its advertising agency Valdez and Torry International and their immediate families including (spouses, parents, children, siblings, and their respective spouses).

2. To qualify for any Prize, the Individual must be a Scotiabank Client whose accounts are in good standing, which includes not being blocked, frozen, written off, or delinquent throughout the Promotional Period or delinquent for two (2) or more cycles within the past twelve (12) months.

3. If an Individual earns a Prize but ceases to be a Customer during the Promotional Period, or the Individual's Accounts cease to be in good standing as in two (2) above or becomes an “immediate family member” as in one (1) above, then the Individual shall be considered ineligible to receive the Prize.

QUALIFYING CRITERIA/ HOW TO ENTER

Clients meeting the following criteria will receive one (1) entry at the end of the Promotional Period:

• Must have an existing chequing account and savings account or open both during the Promotional Period, and
• Must apply and receive the proceeds of a new Unsecured Scotia Plan Loan for a minimum of TTD$50,000.00 with an auto-payment from a Scotiabank Account or
• Refinance an existing Unsecured Scotia Plan Loan, with new funds at a minimum of TTD $50,000.00 with an auto-payment from a Scotiabank Account, and
• Must currently maintain a credit card with a minimum limit of TTD $10,000.00 or apply and receive a credit card with a minimum limit of TTD $10,000.00 and
• Must maintain a savings account with a balance of at least TTD $500.00 as at February 13^th, 2026, and
• The Client must Log into Scotia Online banking (mobile or browser) by March 1^st, 2026 and
• Must conduct a recurring transaction (e.g. bill payment) or have their Payroll assigned to the Bank.

 Criteria

OFFICIAL RULES & REGULATIONS

1. The Promotion is available to all new and existing Scotiabank Individual (retail) Clients.

2. Unsecured Scotia Plan Loans and Refinanced Scotia Plan Loans must be booked during the Promotional Period.

3. February 13^th 2026 is the final day for a Client to receive the loan proceeds or the fulfillment of the Unsecured SPL in this campaign.

4. New Credit Cards must be approved during the Promotional Period and activated by February 13^th, 2026.

5. New savings and chequing accounts must be opened during the Promotional Period.

6. Winners will be selected on March 13^th, 2026, by the Bank based on the qualifying criteria. (refer to QUALIFYING CRITERIA/ HOW TO ENTER).

Prizes: Applicable to Unsecured SPLs in Trinidad and Tobago

• 10 persons will each win gas for 6 months (max $9K each over the period)
• 10 persons will each win groceries for 3 months (max $9K each over the period)
• 2 clients will each win a weekend stay for two at HADCO experiences Mt. Plaisir
• 2 clients will each win a weekend stay for two at HADO experiences Asa Wright 
• 1 client will win a weekend stay for two at HYATT Regency Trinidad

7. Auto Loans, Residential Mortgages, Land Loans DO NOT QUALIFY for this promotion.

8. Each winner shall be notified by telephone within ten (10) business days from the date of the draw and shall as a condition of the award of a prize, provide proof of their age and sign an Affidavit of Eligibility/Prize Acceptance and Release within five (5) business days of notification to be confirmed as a winner. 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 pool of eligible entries.

9. The Bank will contact winners using the personal or employer’s telephone and email addresses as provided by the Client and retained on The Bank’s records.  If the winners cannot be contacted after five (5) attempts by telephone within ten (10) business days from the date of the draw, The Bank has the right to draw an alternate name.

10. The winners’ name may be published in the media. A Winner must agree to the use of his or her name and videos and photographs without compensation in any forthcoming publicity by Scotiabank, specific to this Promotion as your status as a winner.

11. The use of your Scotiabank Account to obtain the Eligible Credit Facilities 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 and for other uses as permitted by applicable law. 

12. To unsubscribe from receiving communications about, and/or to opt out of this Promotion, please call the Scotiabank Contact Centre by dialing the number on the back of your Scotiabank debit or credit card or by calling (868)627-2684 or by emailing CustomerCareTT@scotiabank.com

13. Prizes are not transferable.

14. The Bank reserves the right, in its sole discretion to void all entries. The winner will be responsible for expenses, as applicable, not explicitly stated as part of their prize, and must agree to release, discharge and hold harmless The Bank from and against any or all claims, losses, or damages resulting from participation in the Promotion.

15. 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.

16. Subject to the approval from the NLCB:

• 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 please visit the following website:

Authorized by the National Lotteries Control Board of Trinidad and Tobago.

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