Foreign Currency
Conversion
Your minimum payment will be the greater of
or $10.00.
* Cash advances include “quasi cash advances” which are monetary transactions posted to
your account which are not “purchase” transactions and include, but are not limited to,
wire transfers, foreign currency, travelers cheques, money orders, remote stored value, and
purchase of gaming chips.
Your interest rate will increase to 23.99% (4.00% higher) on purchases and 25.99%
(4.00% higher) on cash advances*, balance transfers and Scotia VISA cheques if, during
or after the promotional rate period, you miss 2 minimum payments, including making any
payment that is returned or making any payment beyond the next statement date.
21 days
You will benefit from an interest-free grace period of at least 21 days for new purchases if
you pay off your balance on your monthly statement in full by the payment due date.
There is no interest-free grace period for cash advances, balance transfers and Scotia VISA
cheques.
2.00% or $10.00
2.00% of your monthly statement balance
In addition, amounts showing on your monthly statement as OVERDUE or OVERLIMIT must
be paid immediately and will be added to the minimum payment.
2.50%
For account payments and Scotia VISA cheques, the exchange rate will be the posted rate
charged to customers at any branch of The Bank of Nova Scotia on the date the
transaction occurs. For any reversal of these transactions, the exchange rate will be
determined in the same manner as of the date that the transaction is reversed.
To be charged on the day the transaction occurs
(unless otherwise indicated):
Cash advance fee for each cash advance:
• processed by a teller at any financial institution in Canada:
$2.50
• obtained at any Scotiabank Automated Banking Machine (ABM) in Canada:
$2.00
• obtained at any non-Scotiabank ABM in Canada displaying the Interac symbol: $2.50
• obtained at any ABM outside of Canada: $5.00
• processed by a teller at any financial institution outside of Canada: $5.00
Dishonoured payment fee: $35.00*. Fee is charged for each VISA payment dishonoured
by your financial institution on the date the payment is returned/dishonoured.
Dishonoured Scotia VISA cheque fee: $35.00. Fee is charged on the date the cheque is
returned for each cheque which is returned due to insufficient credit available in your VISA
account.
Each replacement sales draft, cash advance draft or monthly statement:
$2.00.
Overlimit fee: $20.00*. Fee is charged on the day your balance first exceeds your credit
limit and then once per statement period (charged on the first day of the statement period)
if your account remains overlimit from a previous statement period.
Inactive Fee: $10.00. Fee is charged if there have been no transactions (either debit or credit)
on your account for a period of 12 consecutive months.
*Dishonoured payment fee and overlimit fee are treated as purchases and are subject to
the prevailing interest rate applicable to purchases. The interest-free grace period described
in this statement also applies.
Transactions made in a foreign currency will be converted and posted to your account in
Canadian currency.
For a transaction with the card, the exchange rate is determined by VISA Inc. on our behalf
on the date that the transaction is settled with VISA Inc. This exchange rate may be
different from the exchange rate in effect on the transaction date. This rate includes an
amount equal to 2.50% of the converted amount. For any reversal of a transaction with
the card, the exchange rate is determined by VISA Inc. on our behalf on the date that the
reversal of the transaction is settled with VISA Inc. (and will include an amount equal to
2.50% of the converted amount).
Date ________________________________________________
Date ________________________________________________
Date ________________________________________________
To mail, fold in half along yellow dotted line, moisten glue and seal. Fold, moisten and seal
Yes No
Yes No
Do you wish to receive separate cost of borrowing disclosure documents?† (i.e., monthly or annual statements)
City
Is this school located in Canada? Yes No
To mail, fold in half along yellow dotted line, moisten glue and seal.
Yes No
Street Name
Street Name
Full-time Self-employed
Part-time Seasonal
Employer’s full address
Postal Code
City
Gross Monthly
Income $
Date of Birth (YY/MM/DD)
$
Other monthly obligations (eg. spousal, child support)
Apt #
Mr Miss
Mrs Ms Dr
Years at
residence
Have you declared bankruptcy
in the last 7 years?
Yes No
Mother’s Maiden
Name
Prov.
Social Insurance # (optional)
Yes No
Have you declared bankruptcy
in the last 7 years?
Yes, I am/We are under 56 and want to apply for Disability, Loss of Life and Health Crisis Protection. Single coverage
Joint coverage (both applicants must be under age 56)****
(06/09)
Are you either a Canadian Citizen
or Permanent Resident? Yes No
Business Phone #
(
)
Home phone #
(
)
Address same as Parent/Guardian
Borrower above? Yes No
Are you either a Canadian Citizen
or Permanent Resident? Yes No
Business Phone #
(
)
Home phone #
(
)
Social Insurance # (optional)
Will you be using this ScotiaLine personal line of credit for students on behalf of anyone other than the named account holder(s)? Yes No
(You should answer “no” to this question if the account will only be used by the Student Borrower, Parent/Spouse/Guardian Borrower, or Supporting Borrower.)
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
$
Current Occupation
Current Employer
If no:
Street #
Spouse/supporting Borrower
Last Name, First Name & Initial
SUPPORTING BORROWER (CO-SIGNOR) – IF REQUIRED TO SUPPORT THE APPLICATION
Years at
residence
Mother’s Maiden
Name
Prov.
Date of Birth (YY/MM/DD)
Gross Monthly
Income $
$
City
$
Full-time Self-employed
Part-time Seasonal
Employer’s full address
Postal Code
Other monthly obligations (eg. spousal, child support)
Apt #
Mr Miss
Mrs Ms Dr
for this academic year (excluding any non-repayable government bursaries)? $
If yes, what is the total amount of government student loan(s) approved
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
Current Occupation
Current Employer
Street #
Last Name, First Name & Initial
PARENT / SPOUSE / GUARDIAN BORROWER – PRIMARY
(federal or provincial) in this academic year
Have you been approved for a government student loan
have received (excluding any non repayable government bursaries)? $
Are you enrolled in a graduate program?
If yes, what is the total amount of government loan(s) that you
Part-time
any government student loans (federal or provincial) in the previous years? Yes No
Full-time
Are you either a Canadian
Citizen or Permanent Resident?
Yes No
Mother’s Maiden
Name
Business Phone #
(
)
Home phone #
(
)
Social Insurance # (optional)
How long is your program? (years, months)
Have you declared bankruptcy
in the last 7 years?
Yes No
Program name (eg. BA, BAH, MBA, MA, MSC, etc.)
Other monthly obligations (eg. spousal, child support)
Years at
residence
Gross Monthly
Income $
Prov.
Date of Birth (YY/MM/DD)
$1,000
If you are currently in your 2nd or later year of study, have you received
Expected graduation date (year, month)
Name of post-secondary institution
TELL US ABOUT YOUR STUDIES
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
$
Full-time Self-employed
Part-time Seasonal
Postal Code
Current Occupation
Apt #
Employer’s full address
Street Name
Mr Miss
Mrs Ms Dr
Current Employer
Street #
Last Name, First Name & Initial
STUDENT BORROWER – SECONDARY
Parent Friend Studentawards.com Guidance Counselor Financial Aid Administrator Other
How did you hear about our ScotiaLine personal line of credit for students?
$3,000
No-Fee Scotia Moneyback® VISA* card with up to 1% Moneyback reward (check appropriate credit limit)
ScotiaLine® personal line of credit for students $ ___________________________ (eg. $40,000 for a 4-year Bachelor’s Degree program)
$2,000
If Yes, what is your ScotiaCard Number? ____________________________________________________________________
Please indicate the amount you require over the duration of your education:
Do you currently deal with Scotiabank?
Which Scotiabank branch would you prefer to deal with? ________________________________________ Transit # ___________________ You prefer to correspond in English French
Supporting Borrower (Co-Signor) Signature _______________________________________________________________________________
I wish to receive separate notice on this account (i.e., monthly or annual statements) Yes
disclosure preference at any time in the future by contacting the Scotiabank branch where you do business. Alternatively, if you wish to receive the additional information, please indicate by checking the box [below].
information. We may rely on this agreement through extensions and renewals, as applicable, and until such time as you give us notice in writing that you wish to change your disclosure preference. You may change this
By signing this application, you acknowledge the primary borrower will receive all notices on this account, and that you have been advised of your ability to receive separate notice and have declined such additional
Student Borrower (Secondary) Signature __________________________________________________________________________________
I wish to receive separate notice on this account (i.e., monthly or annual statements) Yes
disclosure preference at any time in the future by contacting the Scotiabank branch where you do business. Alternatively, if you wish to receive the additional information, please indicate by checking the box [below].
information. We may rely on this agreement through extensions and renewals, as applicable, and until such time as you give us notice in writing that you wish to change your disclosure preference. You may change this
By signing this application, you acknowledge the primary borrower will receive all notices on this account, and that you have been advised of your ability to receive separate notice and have declined such additional
Parent/Spouse/Guardian Borrower (Primary) Signature ___________________________________________________________________
application and agree to abide by them. Sign here to apply. Please use dark ink when completing.
I/we, the named account holders read the Terms and Conditions of applying for a ScotiaLine personal line of credit for students attached to this
Annual Interest Rates, Annual Fees, Other Fees and Foreign Currency Conversion as of November 1, 2009 and are
subject to change. For information on current interest rates and fees, please call 1-888-882-8958 or visit scotiabank.com.
Please fully complete all of the questions on this application. If there are unanswered questions there may be a delay in processing your application.
Other Fees
You can complete this application and fax it to us at 1-800 -403-7448;
or fold, seal and mail it to us; or simply drop it off at any Scotiabank branch.
21.50%
APPLICATION FOR SCOTIALINE PERSONAL LINE OF CREDIT FOR STUDENTS
Cash advances*, balance transfers and Scotia VISA cheques:
Tear across this line
Fold, moisten and seal
19.50%
$0.00
Minimum
Payment
Purchases:
Annual Fees
Interest-free
Grace period
Preferred Interest Rates:
To mail, fold in half along yellow dotted line, moisten glue and seal.
Annual Interest
Rate or Rates
Fold, moisten and seal
To mail, fold in half along yellow dotted line, moisten glue and seal. No-Fee Scotia Moneyback® VISA* Card Application Disclosure Statement
To mail, fold in half along yellow dotted line, moisten glue and seal.
To mail, fold in half along yellow dotted line, moisten glue and seal.
Foreign Currency
Conversion
Your minimum payment will be the greater of
or $10.00.
* Cash advances include “quasi cash advances” which are monetary transactions posted to
your account which are not “purchase” transactions and include, but are not limited to,
wire transfers, foreign currency, travelers cheques, money orders, remote stored value, and
purchase of gaming chips.
Your interest rate will increase to 23.99% (4.00% higher) on purchases and 25.99%
(4.00% higher) on cash advances*, balance transfers and Scotia VISA cheques if, during
or after the promotional rate period, you miss 2 minimum payments, including making any
payment that is returned or making any payment beyond the next statement date.
21 days
You will benefit from an interest-free grace period of at least 21 days for new purchases if
you pay off your balance on your monthly statement in full by the payment due date.
There is no interest-free grace period for cash advances, balance transfers and Scotia VISA
cheques.
2.00% or $10.00
2.00% of your monthly statement balance
In addition, amounts showing on your monthly statement as OVERDUE or OVERLIMIT must
be paid immediately and will be added to the minimum payment.
2.50%
For account payments and Scotia VISA cheques, the exchange rate will be the posted rate
charged to customers at any branch of The Bank of Nova Scotia on the date the
transaction occurs. For any reversal of these transactions, the exchange rate will be
determined in the same manner as of the date that the transaction is reversed.
To be charged on the day the transaction occurs
(unless otherwise indicated):
Cash advance fee for each cash advance:
• processed by a teller at any financial institution in Canada:
$2.50
• obtained at any Scotiabank Automated Banking Machine (ABM) in Canada:
$2.00
• obtained at any non-Scotiabank ABM in Canada displaying the Interac symbol: $2.50
• obtained at any ABM outside of Canada: $5.00
• processed by a teller at any financial institution outside of Canada: $5.00
Dishonoured payment fee: $35.00*. Fee is charged for each VISA payment dishonoured
by your financial institution on the date the payment is returned/dishonoured.
Dishonoured Scotia VISA cheque fee: $35.00. Fee is charged on the date the cheque is
returned for each cheque which is returned due to insufficient credit available in your VISA
account.
Each replacement sales draft, cash advance draft or monthly statement:
$2.00.
Overlimit fee: $20.00*. Fee is charged on the day your balance first exceeds your credit
limit and then once per statement period (charged on the first day of the statement period)
if your account remains overlimit from a previous statement period.
Inactive Fee: $10.00. Fee is charged if there have been no transactions (either debit or credit)
on your account for a period of 12 consecutive months.
*Dishonoured payment fee and overlimit fee are treated as purchases and are subject to
the prevailing interest rate applicable to purchases. The interest-free grace period described
in this statement also applies.
Transactions made in a foreign currency will be converted and posted to your account in
Canadian currency.
For a transaction with the card, the exchange rate is determined by VISA Inc. on our behalf
on the date that the transaction is settled with VISA Inc. This exchange rate may be
different from the exchange rate in effect on the transaction date. This rate includes an
amount equal to 2.50% of the converted amount. For any reversal of a transaction with
the card, the exchange rate is determined by VISA Inc. on our behalf on the date that the
reversal of the transaction is settled with VISA Inc. (and will include an amount equal to
2.50% of the converted amount).
Date ________________________________________________
Date ________________________________________________
Date ________________________________________________
To mail, fold in half along yellow dotted line, moisten glue and seal. Fold, moisten and seal
Yes No
Yes No
Do you wish to receive separate cost of borrowing disclosure documents?† (i.e., monthly or annual statements)
City
Is this school located in Canada? Yes No
To mail, fold in half along yellow dotted line, moisten glue and seal.
Yes No
Street Name
Street Name
Full-time Self-employed
Part-time Seasonal
Employer’s full address
Postal Code
City
Gross Monthly
Income $
Date of Birth (YY/MM/DD)
$
Other monthly obligations (eg. spousal, child support)
Apt #
Mr Miss
Mrs Ms Dr
Years at
residence
Have you declared bankruptcy
in the last 7 years?
Yes No
Mother’s Maiden
Name
Prov.
Social Insurance # (optional)
Yes No
Have you declared bankruptcy
in the last 7 years?
Yes, I am/We are under 56 and want to apply for Disability, Loss of Life and Health Crisis Protection. Single coverage
Joint coverage (both applicants must be under age 56)****
(06/09)
Are you either a Canadian Citizen
or Permanent Resident? Yes No
Business Phone #
(
)
Home phone #
(
)
Address same as Parent/Guardian
Borrower above? Yes No
Are you either a Canadian Citizen
or Permanent Resident? Yes No
Business Phone #
(
)
Home phone #
(
)
Social Insurance # (optional)
Will you be using this ScotiaLine personal line of credit for students on behalf of anyone other than the named account holder(s)? Yes No
(You should answer “no” to this question if the account will only be used by the Student Borrower, Parent/Spouse/Guardian Borrower, or Supporting Borrower.)
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
$
Current Occupation
Current Employer
If no:
Street #
Spouse/supporting Borrower
Last Name, First Name & Initial
SUPPORTING BORROWER (CO-SIGNOR) – IF REQUIRED TO SUPPORT THE APPLICATION
Years at
residence
Mother’s Maiden
Name
Prov.
Date of Birth (YY/MM/DD)
Gross Monthly
Income $
$
City
$
Full-time Self-employed
Part-time Seasonal
Employer’s full address
Postal Code
Other monthly obligations (eg. spousal, child support)
Apt #
Mr Miss
Mrs Ms Dr
for this academic year (excluding any non-repayable government bursaries)? $
If yes, what is the total amount of government student loan(s) approved
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
Current Occupation
Current Employer
Street #
Last Name, First Name & Initial
PARENT / SPOUSE / GUARDIAN BORROWER – PRIMARY
(federal or provincial) in this academic year
Have you been approved for a government student loan
have received (excluding any non repayable government bursaries)? $
Are you enrolled in a graduate program?
If yes, what is the total amount of government loan(s) that you
Part-time
any government student loans (federal or provincial) in the previous years? Yes No
Full-time
Are you either a Canadian
Citizen or Permanent Resident?
Yes No
Mother’s Maiden
Name
Business Phone #
(
)
Home phone #
(
)
Social Insurance # (optional)
How long is your program? (years, months)
Have you declared bankruptcy
in the last 7 years?
Yes No
Program name (eg. BA, BAH, MBA, MA, MSC, etc.)
Other monthly obligations (eg. spousal, child support)
Years at
residence
Gross Monthly
Income $
Prov.
Date of Birth (YY/MM/DD)
$1,000
If you are currently in your 2nd or later year of study, have you received
Expected graduation date (year, month)
Name of post-secondary institution
TELL US ABOUT YOUR STUDIES
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
$
Full-time Self-employed
Part-time Seasonal
Postal Code
Current Occupation
Apt #
Employer’s full address
Street Name
Mr Miss
Mrs Ms Dr
Current Employer
Street #
Last Name, First Name & Initial
STUDENT BORROWER – SECONDARY
Parent Friend Studentawards.com Guidance Counselor Financial Aid Administrator Other
How did you hear about our ScotiaLine personal line of credit for students?
$3,000
No-Fee Scotia Moneyback® VISA* card with up to 1% Moneyback reward (check appropriate credit limit)
ScotiaLine® personal line of credit for students $ ___________________________ (eg. $40,000 for a 4-year Bachelor’s Degree program)
$2,000
If Yes, what is your ScotiaCard Number? ____________________________________________________________________
Please indicate the amount you require over the duration of your education:
Do you currently deal with Scotiabank?
Which Scotiabank branch would you prefer to deal with? ________________________________________ Transit # ___________________ You prefer to correspond in English French
Supporting Borrower (Co-Signor) Signature _______________________________________________________________________________
I wish to receive separate notice on this account (i.e., monthly or annual statements) Yes
disclosure preference at any time in the future by contacting the Scotiabank branch where you do business. Alternatively, if you wish to receive the additional information, please indicate by checking the box [below].
information. We may rely on this agreement through extensions and renewals, as applicable, and until such time as you give us notice in writing that you wish to change your disclosure preference. You may change this
By signing this application, you acknowledge the primary borrower will receive all notices on this account, and that you have been advised of your ability to receive separate notice and have declined such additional
Student Borrower (Secondary) Signature __________________________________________________________________________________
I wish to receive separate notice on this account (i.e., monthly or annual statements) Yes
disclosure preference at any time in the future by contacting the Scotiabank branch where you do business. Alternatively, if you wish to receive the additional information, please indicate by checking the box [below].
information. We may rely on this agreement through extensions and renewals, as applicable, and until such time as you give us notice in writing that you wish to change your disclosure preference. You may change this
By signing this application, you acknowledge the primary borrower will receive all notices on this account, and that you have been advised of your ability to receive separate notice and have declined such additional
Parent/Spouse/Guardian Borrower (Primary) Signature ___________________________________________________________________
application and agree to abide by them. Sign here to apply. Please use dark ink when completing.
I/we, the named account holders read the Terms and Conditions of applying for a ScotiaLine personal line of credit for students attached to this
Annual Interest Rates, Annual Fees, Other Fees and Foreign Currency Conversion as of November 1, 2009 and are
subject to change. For information on current interest rates and fees, please call 1-888-882-8958 or visit scotiabank.com.
Please fully complete all of the questions on this application. If there are unanswered questions there may be a delay in processing your application.
Other Fees
You can complete this application and fax it to us at 1-800 -403-7448;
or fold, seal and mail it to us; or simply drop it off at any Scotiabank branch.
21.50%
APPLICATION FOR SCOTIALINE PERSONAL LINE OF CREDIT FOR STUDENTS
Cash advances*, balance transfers and Scotia VISA cheques:
Tear across this line
Fold, moisten and seal
19.50%
$0.00
Minimum
Payment
Purchases:
Annual Fees
Interest-free
Grace period
Preferred Interest Rates:
To mail, fold in half along yellow dotted line, moisten glue and seal.
Annual Interest
Rate or Rates
Fold, moisten and seal
To mail, fold in half along yellow dotted line, moisten glue and seal. No-Fee Scotia Moneyback® VISA* Card Application Disclosure Statement
To mail, fold in half along yellow dotted line, moisten glue and seal.
To mail, fold in half along yellow dotted line, moisten glue and seal.
19.50%
Preferred Interest Rates:
Purchases:
Cash advances*, balance transfers and Scotia VISA cheques:
21.50%
* Cash advances include “quasi cash advances” which are monetary transactions posted to
your account which are not “purchase” transactions and include, but are not limited to,
wire transfers, foreign currency, travelers cheques, money orders, remote stored value, and
purchase of gaming chips.
Your interest rate will increase to 23.99% (4.00% higher) on purchases and 25.99%
(4.00% higher) on cash advances*, balance transfers and Scotia VISA cheques if, during
or after the promotional rate period, you miss 2 minimum payments, including making any
payment that is returned or making any payment beyond the next statement date.
21 days
2.00% of your monthly statement balance
You will benefit from an interest-free grace period of at least 21 days for new purchases if
you pay off your balance on your monthly statement in full by the payment due date.
There is no interest-free grace period for cash advances, balance transfers and Scotia VISA
cheques.
2.00% or $10.00
Your minimum payment will be the greater of
or $10.00.
In addition, amounts showing on your monthly statement as OVERDUE or OVERLIMIT must
be paid immediately and will be added to the minimum payment.
2.50%
Transactions made in a foreign currency will be converted and posted to your account in
Canadian currency.
Other Fees
Annual Fees
To be charged on the day the transaction occurs
(unless otherwise indicated):
$0.00
Cash advance fee for each cash advance:
• processed by a teller at any financial institution in Canada: $2.50
• obtained at any Scotiabank Automated Banking Machine (ABM) in Canada: $2.00
$2.50
$5.00
$5.00
• obtained at any non-Scotiabank ABM in Canada displaying the Interac symbol:
• obtained at any ABM outside of Canada:
• processed by a teller at any financial institution outside of Canada:
Dishonoured payment fee: $35.00*. Fee is charged for each VISA payment dishonoured
by your financial institution on the date the payment is returned/dishonoured.
$2.00.
Dishonoured Scotia VISA cheque fee: $35.00. Fee is charged on the date the cheque is
returned for each cheque which is returned due to insufficient credit available in your VISA
account.
Each replacement sales draft, cash advance draft or monthly statement:
Overlimit fee: $20.00*. Fee is charged on the day your balance first exceeds your credit
limit and then once per statement period (charged on the first day of the statement period)
if your account remains overlimit from a previous statement period.
Inactive Fee: $10.00. Fee is charged if there have been no transactions (either debit or credit)
on your account for a period of 12 consecutive months.
*Dishonoured payment fee and overlimit fee are treated as purchases and are subject to
the prevailing interest rate applicable to purchases. The interest-free grace period described
in this statement also applies.
Annual Interest Rates, Annual Fees, Other Fees and Foreign Currency Conversion as of November 1, 2009 and are
subject to change. For information on current interest rates and fees, please call 1-888-882-8958 or visit scotiabank.com.
You can complete this application and fax it to us at 1-800 -403-7448;
or fold, seal and mail it to us; or simply drop it off at any Scotiabank branch.
Please fully complete all of the questions on this application. If there are unanswered questions there may be a delay in processing your application.
I/we, the named account holders read the Terms and Conditions of applying for a ScotiaLine personal line of credit for students attached to this
application and agree to abide by them. Sign here to apply. Please use dark ink when completing.
Parent/Spouse/Guardian Borrower (Primary) Signature ___________________________________________________________________
Date ________________________________________________
By signing this application, you acknowledge the primary borrower will receive all notices on this account, and that you have been advised of your ability to receive separate notice and have declined such additional
information. We may rely on this agreement through extensions and renewals, as applicable, and until such time as you give us notice in writing that you wish to change your disclosure preference. You may change this
disclosure preference at any time in the future by contacting the Scotiabank branch where you do business. Alternatively, if you wish to receive the additional information, please indicate by checking the box [below].
I wish to receive separate notice on this account (i.e., monthly or annual statements) Yes
Student Borrower (Secondary) Signature __________________________________________________________________________________
Date ________________________________________________
By signing this application, you acknowledge the primary borrower will receive all notices on this account, and that you have been advised of your ability to receive separate notice and have declined such additional
information. We may rely on this agreement through extensions and renewals, as applicable, and until such time as you give us notice in writing that you wish to change your disclosure preference. You may change this
disclosure preference at any time in the future by contacting the Scotiabank branch where you do business. Alternatively, if you wish to receive the additional information, please indicate by checking the box [below].
I wish to receive separate notice on this account (i.e., monthly or annual statements) Yes
Supporting Borrower (Co-Signor) Signature _______________________________________________________________________________
Date ________________________________________________
Which Scotiabank branch would you prefer to deal with? ________________________________________ Transit # ___________________ You prefer to correspond in English French
Yes No
Do you currently deal with Scotiabank?
If Yes, what is your ScotiaCard Number? ____________________________________________________________________
Fold, moisten and seal
To mail, fold in half along yellow dotted line, moisten glue and seal. APPLICATION FOR SCOTIALINE PERSONAL LINE OF CREDIT FOR STUDENTS
No-Fee Scotia Moneyback® VISA* Card Application Disclosure Statement
Annual Interest
Rate or Rates
Interest-free
Grace period
Minimum
Payment
Foreign Currency
Conversion
For a transaction with the card, the exchange rate is determined by VISA Inc. on our behalf
on the date that the transaction is settled with VISA Inc. This exchange rate may be
different from the exchange rate in effect on the transaction date. This rate includes an
amount equal to 2.50% of the converted amount. For any reversal of a transaction with
the card, the exchange rate is determined by VISA Inc. on our behalf on the date that the
reversal of the transaction is settled with VISA Inc. (and will include an amount equal to
2.50% of the converted amount).
For account payments and Scotia VISA cheques, the exchange rate will be the posted rate
charged to customers at any branch of The Bank of Nova Scotia on the date the
transaction occurs. For any reversal of these transactions, the exchange rate will be
determined in the same manner as of the date that the transaction is reversed.
To mail, fold in half along yellow dotted line, moisten glue and seal. Fold, moisten and seal
Tear across this line
Fold, moisten and seal
Please indicate the amount you require over the duration of your education:
ScotiaLine® personal line of credit for students $ ___________________________ (eg. $40,000 for a 4-year Bachelor’s Degree program)
$3,000
Do you wish to receive separate cost of borrowing disclosure documents?† (i.e., monthly or annual statements)
Yes No
$2,000
To mail, fold in half along yellow dotted line, moisten glue and seal.
To mail, fold in half along yellow dotted line, moisten glue and seal.
No-Fee Scotia Moneyback® VISA* card with up to 1% Moneyback reward (check appropriate credit limit)
$1,000
How did you hear about our ScotiaLine personal line of credit for students?
Parent Friend Studentawards.com Guidance Counselor Financial Aid Administrator Other
STUDENT BORROWER – SECONDARY
Mr Miss
Mrs Ms Dr
Last Name, First Name & Initial
Street #
Street Name
Apt #
Date of Birth (YY/MM/DD)
Postal Code
City
Prov.
Current Employer
Employer’s full address
Current Occupation
Full-time Self-employed
Part-time Seasonal
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
$
Social Insurance # (optional)
Years at
residence
Home phone #
(
)
Business Phone #
(
)
Gross Monthly
Income $
Other monthly obligations (eg. spousal, child support)
Mother’s Maiden
Name
Have you declared bankruptcy
in the last 7 years?
Yes No
Are you either a Canadian
Citizen or Permanent Resident?
Yes No
TELL US ABOUT YOUR STUDIES
Name of post-secondary institution
Program name (eg. BA, BAH, MBA, MA, MSC, etc.)
Full-time
Expected graduation date (year, month)
Part-time
Are you enrolled in a graduate program?
If you are currently in your 2nd or later year of study, have you received
Is this school located in Canada? Yes No
If yes, what is the total amount of government loan(s) that you
any government student loans (federal or provincial) in the previous years? Yes No
have received (excluding any non repayable government bursaries)? $
Have you been approved for a government student loan
(federal or provincial) in this academic year
How long is your program? (years, months)
If yes, what is the total amount of government student loan(s) approved
Yes No
for this academic year (excluding any non-repayable government bursaries)? $
Street #
Street Name
Apt #
Current Employer
Postal Code
Date of Birth (YY/MM/DD)
City
Prov.
Social Insurance # (optional)
Years at
residence
Employer’s full address
Business Phone #
(
)
Full-time Self-employed
Part-time Seasonal
Current Occupation
Home phone #
(
)
Gross Monthly
Income $
Mother’s Maiden
Name
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
Other monthly obligations (eg. spousal, child support)
Have you declared bankruptcy
in the last 7 years?
$
$
Yes No
Are you either a Canadian Citizen
or Permanent Resident? Yes No
SUPPORTING BORROWER (CO-SIGNOR) – IF REQUIRED TO SUPPORT THE APPLICATION
Mr Miss
Mrs Ms Dr
Spouse/supporting Borrower
Last Name, First Name & Initial
If no:
Street #
Street Name
Apt #
Current Employer
Postal Code
City
Social Insurance # (optional)
Prov.
Years at
residence
Employer’s full address
Full-time Self-employed
Part-time Seasonal
Current Occupation
Monthly housing costs (rent/mortgage,
condo fees, heat, property taxes)
$
Date of Birth (YY/MM/DD)
Home phone #
(
)
Business Phone #
(
)
Gross Monthly
Income $
Other monthly obligations (eg. spousal, child support)
$
Address same as Parent/Guardian
Borrower above? Yes No
Mother’s Maiden
Name
Are you either a Canadian Citizen
or Permanent Resident? Yes No
Have you declared bankruptcy
in the last 7 years?
Yes No
Will you be using this ScotiaLine personal line of credit for students on behalf of anyone other than the named account holder(s)? Yes No
(You should answer “no” to this question if the account will only be used by the Student Borrower, Parent/Spouse/Guardian Borrower, or Supporting Borrower.)
Yes, I am/We are under 56 and want to apply for Disability, Loss of Life and Health Crisis Protection. Single coverage
Joint coverage (both applicants must be under age 56)****
(06/09)
To mail, fold in half along yellow dotted line, moisten glue and seal.
To mail, fold in half along yellow dotted line, moisten glue and seal.
Mr Miss
Mrs Ms Dr
Last Name, First Name & Initial
PARENT / SPOUSE / GUARDIAN BORROWER – PRIMARY