This legal disclosure by Scotiabank de Costa Rica, S.A. ("Scotiabank", "Bank"), governs the use of the Bank's World Wide Web site.

Users of the Scotiabank Internet banking World Wide Web site pages (the "Work") shall only be entitled to copy the Work for their own personal use but may not republish nor reproduce any substantial part of the Work in any manner whatsoever, including electronically reproducing this Work by "uploading", "downloading" or accessing the Work on to the Internet or any other local or international computer system, without the prior written permission of Scotiabank.

Certain information may be copyrighted by others. An acknowledgement of the source must be included whenever Scotiabank material is copied or published.

If you require further information on a permitted use or license to reproduce or republish any material, address your inquiry to the Sales and Marketing Department, Scotiabank de Costa Rica S.A. , Avenida 1 Calle 0 y 2. Apartado 5395-1000. San José, Costa Rica.

Any infringement of Scotiabank rights will result in appropriate legal action. Scotiabank disclaims any and all liability for any consequences, which may result from any unauthorized reproduction or use of this Work whatsoever.

Information on Scotiabank's WWW pages is for information purposes only and does not constitute an offer to buy or sell products or services of Scotiabank and its associates, subsidiaries, and affiliates, or units of mutual funds.

Not all products and services that Costa Rican residents may be interested in are available in all regions of Costa Rica.

Not all products and services that other country residents may be interested in are available in that country.

Scotiabank's products and services are available in accordance with local law and only if they may be lawfully offered for sale in any particular jurisdiction. All Scotiabank products and services are subject to the terms of applicable agreements.

Facts and data provided by Scotiabank, its associates, subsidiaries, and affiliates and other sources may not be current at all times, and must be confirmed by the user by contacting the bank.

Scotiabank cannot guarantee that they are accurate or complete or that they will be current at all times.

Information on this WWW site is not intended to provide legal, accounting, or tax advice, and should not be relied upon in that regard.

The Bank and its associates, subsidiaries, and affiliates, are not responsible in any manner for direct, indirect, special or consequential damages howsoever caused, arising out of the use of this www site.

All services described in this site are subject to conditions, exclusions and limitations as established by the provider of the service.

The rate bonuses are not to be used in combination with any other pricing bonuses being offered by Scotiabank or any of its associates, subsidiaries, and affiliates.