By enrolling in the 1st National Bank of Scotia Skip-A-Pay program I accept the offer to defer my consumer loan payment for one month. I agree to make all remaining payments on my loan, including the deferred payment, which will extend my loan by one month. My deferred installment may be larger than previous installment payments. I understand that if I purchased credit life or disability insurance, my coverage under either or both will end on the date outlined in my original loan agreement. I also agree that except for these changes, all terms of my original contract will remain in effect. Offer is subject to bank approval upon request. Offer ends December 31, 2025.