Student & Resident Line of Credit Incentive Program

Terms and Conditions

The Student and Resident Line of Credit (SRLOC) Incentive Program provides eligible participants (“Participants”) with a $500 monetary incentive (the “SRLOC Incentive Payment”) to open a Scotia Professional Student Plan Line of Credit. To be eligible to receive the SRLOC Incentive Payment a client must:

• attend a meeting with an MD Financial Management (MD) Advisor;
• provide proof satisfactory to MD that the client has opened a new Scotia Professional Student Plan Line of Credit between October 3, 2018, and April 30, 2019 (the “Offer Period”); and
• not have previously received an SRLOC Incentive Payment by opening a Scotia Professional Student Plan Line of Credit.

Be advised that your Scotia Professional Student Plan Line of Credit is subject to credit approval by The Bank of Nova Scotia.

MD will credit $500.00 to the eligible Participant’s designated bank account within 60 days from the Scotia Professional Student Plan Line of Credit being opened. The Participant must provide a void cheque for the account to which the funds will be credited.

Each Participant can qualify for only one SRLOC Incentive Payment. This offer may not be combined with any other offers.

MD may at its sole discretion extend the SRLOC Incentive Program end date of April 30, 2019, or, alternatively, terminate the SRLOC Incentive Program at any time without notice.

Sharing of Information

Scotiabank and MD collect personal information in order to enable Scotiabank and MD to understand and meet your financial needs and to determine your eligibility for the various products and services of Scotiabank and MD, to provide you with routine financial services related to credit and insurance products (as permitted by law) and to protect your interests and those of Scotiabank and MD. By opening an SRLOC you agree to provide Scotiabank and MD with the necessary information about you for the purposes mentioned in this paragraph, including to allow MD to deposit the SRLOC Incentive Payment to your bank account, to obtain personal information about you from any person likely to have such information or to confirm its accuracy (credit reporting and assessment agencies, financial institutions, public registries, regulatory authorities and organizations, employers, professionals and individuals given as references). In addition, you authorize Scotiabank and MD to exchange between themselves (where legislation permits) and Scotiabank for the purposes of carrying out the terms of this SRLOC Incentive Program. For more information about how MD collects and uses your personal information please consult the MD Financial Management Privacy Policy (

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