Terms and Conditions

1) Promotional interest rate applies to transactions charged to your ScotiaLine* personal line of credit account between August 26th, 2013 and November 30th, 2013, the promotional offer period.  Transactions booked during the promotional offer period will benefit from the promotional interest rate for 6 monthly statement billing cycles from the date the transaction occurred.  Transaction must be for a minimum amount of USD$250 or local currency equivalent in order to benefit from the promotional interest rate offer, otherwise your regular ScotiaLine personal line of credit interest rates apply.   To take advantage of the promotional interest rate offer, your ScotiaLine personal line of credit account must be in good standing and must not be blocked, frozen, written-off, or delinquent during the promotional offer period.  In the case you miss a minimum monthly payment by your statement due date or if there's default under any of the terms of your Personal Line of Credit Agreement, where applicable, all interest rates on your account may increase to the maximum Annual Interest Rate indicated in the Rates and Fees Schedule of your ScotiaLine personal line of credit.   We apply your payment first to unpaid interest, then to regular ScotiaLine personal line of credit fees, then to credit protection insurance premiums (if applicable), then to the principal amount.   Invitations to apply for a ScotiaLine personal line of credit are subject to meeting Scotiabank's lending and credit criteria. This offer is subject to your ScotiaLine personal line of credit regular fees applying. Campaign open to legal residents of Turks & Caicos who are 18 years of age and older. The Bank reserves the right to withdraw this offer at any time in its sole discretion without prior notice.

2) This offer is valid until  December 15th, 2013 with a 9.99% rate offer for six (6) months from the account open date, and will end no later than June 15th, 2014.  The Bank reserves the right to withdraw this offer at any time in its sole discretion without prior notice. This offer is subject to meeting The Bank of Nova Scotia’s lending and credit criteria. This offer may be subject to processing fees and interest charges (where applicable). This offer is non-negotiable and non-transferable. Changes to the product  offered will be subject to standard application and adjudication.  Customer must complete transactions totaling a minimum balance of  USD$250.