Document:

Exhibit 4.1

AMENDING AGREEMENT TO 

MORTGAGE SALE AGREEMENT

THIS AMENDING AGREEMENT TO MORTGAGE
SALE AGREEMENT (this “Agreement”) is made as of the 22nd day of August, 2016.

BETWEEN:

		(1)	The Bank of Nova Scotia, a bank named in Schedule I to the Bank Act (Canada);

		(2)	Scotiabank Covered Bond Guarantor Limited Partnership, a limited partnership formed under the laws of the Province of
Ontario, by its Managing GP Scotiabank Covered Bond GP Inc.; and

		(3)	Computershare Trust Company of Canada, a trust company formed under the laws of Canada.

WHEREAS the parties hereto entered
into an amended and restated mortgage sale agreement made as of January 7, 2014 (the “Mortgage Sale Agreement”);

AND WHEREAS the parties hereto
have agreed to amend the Mortgage Sale Agreement pursuant to the terms of this Agreement;

NOW THEREFORE IT IS HEREBY AGREED
that in consideration of the mutual covenants and agreements herein set forth, the parties agree as follows:

Article 1
– Amendment

		1.01	Amendment

Schedule 1 of the
Mortgage Sale Agreement is hereby amended by deleting Section 2.15 thereof in its entirety and renumbering Sections 2.16 to 2.22
as Sections 2.15 to 2.21, respectively.

Article 2
– miscellaneous

		2.01	Further Assurances

Each of the parties
hereto will from time to time execute and deliver all such further documents and instruments and do all acts and things as any
of the other parties may reasonably require to effectively carry out or better evidence or perfect the full intent and meaning
of this Agreement.

		2.02	Other Amendments

Except as expressly
amended, modified and supplemented hereby, the provisions of the Mortgage Sale Agreement are and shall remain in full force and
effect and shall be read with this Agreement, mutatis mutandis. Where the terms of this Agreement are inconsistent with
the terms of the Mortgage Sale Agreement (prior to its amendment hereby), the terms of this Agreement shall govern to the extent
of such inconsistency.

     

     

    

-2-

		2.03	Governing Law

This Agreement is
governed by and will be construed in accordance with the laws of Ontario and the federal laws of Canada applicable therein.

		2.04	Interpretation

Capitalized terms
used herein and not otherwise defined shall have the meanings ascribed thereto in the Mortgage Sale Agreement (prior to its amendment
hereby).

[SIGNATURE PAGES FOLLOW]

     

     

    

IN WITNESS WHEREOF the parties
hereto have executed this Agreement on the day and year first before written.

	 	THE BANK OF NOVA SCOTIA 
	 	 
	 	By:	/s/ Ian Berry
	 	 	
        Name: Ian Berry

        Title: Managing Director & Head, Funding

         

         

	 	SCOTIABANK COVERED BOND GUARANTOR LIMITED PARTNERSHIP, by its Managing GP, SCOTIABANK COVERED BOND GP INC.
	 	 
	 	By:	/s/ Christy Bunker
	 	 	
        Name: Christy Bunker

        Title: Vice-President

         

	 	COMPUTERSHARE TRUST COMPANY OF CANADA
	 	 
	 	By:	/s/ Morag Abraham
	 	 	Name: Morag Abraham

Title:  Corporate Trust Officer
	 	 
	 	By:	/s/ Ann Samuel
	 	 	Name:  Ann Samuel

Title: Associate Trust Officer

 

 

[Mortgage Sale Agreement Amending
Agreement]Exhibit 4.2

AMENDING AGREEMENT TO 

SERVICING AGREEMENT

THIS AMENDING AGREEMENT TO SERVICING
AGREEMENT (this “Agreement”) is made as of the 22nd day of August, 2016.

BETWEEN:

		(1)	The Bank of Nova Scotia, a bank named in Schedule I to the Bank Act (Canada);

		(2)	Scotiabank Covered Bond Guarantor Limited Partnership, a limited partnership formed under the laws of the Province of
Ontario, by its Managing GP Scotiabank Covered Bond GP Inc.; and

		(3)	Computershare Trust Company of Canada, a trust company formed under the laws of Canada.

WHEREAS the parties hereto entered
into a servicing agreement made as of July 19, 2013 (the “Servicing Agreement”);

AND WHEREAS the parties hereto
have agreed to amend the Servicing Agreement pursuant to the terms of this Agreement;

NOW THEREFORE IT IS HEREBY AGREED
that in consideration of the mutual covenants and agreements herein set forth, the parties agree as follows:

Article 1
– Amendment

		1.01	Amendment

Section 5.2 of the
Servicing Agreement is hereby amended by deleting clause (g) thereof in its entirety and renumbering clauses (h) to (q) thereof
as clauses (g) to (p), respectively.

Article 2
– miscellaneous

		2.01	Further Assurances

Each of the parties
hereto will from time to time execute and deliver all such further documents and instruments and do all acts and things as any
of the other parties may reasonably require to effectively carry out or better evidence or perfect the full intent and meaning
of this Agreement.

		2.02	Other Amendments

Except as expressly
amended, modified and supplemented hereby, the provisions of the Servicing Agreement are and shall remain in full force and effect
and shall be read with this Agreement, mutatis mutandis. Where the terms of this Agreement are inconsistent with the terms
of the Servicing Agreement (prior to its amendment hereby), the terms of this Agreement shall govern to the extent of such inconsistency.

     

     

    

		2.03	Governing Law

This Agreement is
governed by and will be construed in accordance with the laws of Ontario and the federal laws of Canada applicable therein.

		2.04	Interpretation

Capitalized terms
used herein and not otherwise defined shall have the meanings ascribed thereto in the Servicing Agreement (prior to its amendment
hereby).

[SIGNATURE PAGES FOLLOW]

     

     

    

IN WITNESS WHEREOF the parties
hereto have executed this Agreement on the day and year first before written.

	 	THE BANK OF NOVA SCOTIA 
	 	 
	 	By:	/s/ Ian Berry
	 	 	
        Name: Ian Berry

        Title: Managing Director & Head, Funding

         

         

	 	SCOTIABANK COVERED BOND GUARANTOR LIMITED PARTNERSHIP, by its Managing GP, SCOTIABANK COVERED BOND GP INC.
	 	 
	 	By:	/s/ Christy Bunker
	 	 	
        Name: Christy Bunker

        Title: Vice-President

         

	 	COMPUTERSHARE TRUST COMPANY OF CANADA
	 	 
	 	By:	/s/ Morag Abraham
	 	 	Name: Morag Abraham

Title:  Corporate Trust Officer
	 	 
	 	By:	/s/ Ann Samuel
	 	 	Name:  Ann Samuel

Title: Associate Trust Officer

 

 

[Servicing Agreement Amending Agreement]Exhibit 4.3

AMENDING AGREEMENT TO 

INTERCOMPANY LOAN AGREEMENT

THIS AMENDING AGREEMENT TO INTERCOMPANY
LOAN AGREEMENT (this “Agreement”) is made as of the 22nd day of August, 2016.

BETWEEN:

		(1)	The Bank of Nova Scotia, a bank named in Schedule I to the Bank Act (Canada);

		(2)	Scotiabank Covered Bond Guarantor Limited Partnership, a limited partnership formed under the laws of the Province of
Ontario, by its Managing GP Scotiabank Covered Bond GP Inc.; and

		(3)	Computershare Trust Company of Canada, a trust company formed under the laws of Canada.

WHEREAS the parties hereto entered
into an Intercompany Loan Agreement made as of July 19, 2013 (the “Intercompany Loan Agreement”);

AND WHEREAS the parties hereto
have agreed to amend the Intercompany Loan Agreement pursuant to the terms of this Agreement;

NOW THEREFORE IT IS HEREBY AGREED
that in consideration of the mutual covenants and agreements herein set forth, the parties agree as follows:

Article 1
– Amendment

		1.01	Amendment

Section 3.2 of the
Intercompany Loan Agreement is hereby amended by adding the following sentence at the end of the final paragraph thereof:

“Notwithstanding
the foregoing, the Demand Loan shall not have a positive balance at any time following the occurrence of a Demand Loan Repayment
Event and the repayment in full of the then outstanding Demand Loan by the Guarantor in accordance with Section 7.2. (it being
understood that, following such repayment, the principal balance of the Guarantee Loan shall be deemed to be equal to the full
amount of the aggregate principal amount of Advances then outstanding and recorded in the Intercompany Loan Ledger in accordance
with Section 5.4).”

Article 2
– miscellaneous

		2.01	Further Assurances

Each of the parties
hereto will from time to time execute and deliver all such further documents and instruments and do all acts and things as any
of the other parties may reasonably

     

     

    

-2-

 

require to effectively
carry out or better evidence or perfect the full intent and meaning of this Agreement.

		2.02	Other Amendments

Except as expressly
amended, modified and supplemented hereby, the provisions of the Intercompany Loan Agreement are and shall remain in full force
and effect and shall be read with this Agreement, mutatis mutandis. Where the terms of this Agreement are inconsistent with
the terms of the Intercompany Loan Agreement (prior to its amendment hereby), the terms of this Agreement shall govern to the extent
of such inconsistency.

		2.03	Governing Law

This Agreement is
governed by and will be construed in accordance with the laws of Ontario and the federal laws of Canada applicable therein.

		2.04	Interpretation

Capitalized terms
used herein and not otherwise defined shall have the meanings ascribed thereto in the Intercompany Loan Agreement (prior to its
amendment hereby).

[SIGNATURE PAGES FOLLOW]

     

     

    

IN WITNESS WHEREOF the parties
hereto have executed this Agreement on the day and year first before written.

	 	THE BANK OF NOVA SCOTIA 
	 	 
	 	By:	/s/ Ian Berry
	 	 	
        Name: Ian Berry

        Title: Managing Director & Head, Funding

         

         

	 	SCOTIABANK COVERED BOND GUARANTOR LIMITED PARTNERSHIP, by its Managing GP, SCOTIABANK COVERED BOND GP INC.
	 	 
	 	By:	/s/ Christy Bunker
	 	 	
        Name: Christy Bunker

        Title: Vice-President

         

	 	COMPUTERSHARE TRUST COMPANY OF CANADA
	 	 
	 	By:	/s/ Morag Abraham
	 	 	Name: Morag Abraham

Title:  Corporate Trust Officer
	 	 
	 	By:	/s/ Ann Samuel
	 	 	Name:  Ann Samuel

Title: Associate Trust Officer

 

 

[Intercompany Loan Agreement Amending
Agreement]

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