At a Glance It's Easy to Apply! Apply online Visit any Scotiabank Branch Call us at 1-877-552-5522 Annual Fee $0¹ Secured Rate As low as Prime + 1%¹ Unsecured Rate Prime + 2.49 to Prime + 5.49%¹ Grace Period Interest-free up to 21 days² on purchases Credit Limit Up to $50,000 unsecured Up to $500,000 secured

A ScotiaLine for business™ VISA* card is a flexible business tool that combines the low interest rates of a line of credit with the convenience of a no-fee VISA card. It puts you in control of your finances.

Features

• no monthly or annual fees
  
  
• interest rates as low as Scotiabank Prime for secured
  or Prime + 2.49% to Prime + 5.49% for unsecured¹
  
  
• credit limit up to $50,000 unsecured or $500,000 for a secured line of credit
  
  
• personalized VISA cards with both your personal and your business name
  
  
• free supplementary cards and personalized cheques

Benefits

• flexible repayment terms (pay the minimum balance or the full amount)
  
  
• up to 21 days interest-free grace period² on new card purchases - makes it easier to manage your cash flow
  
  
• convenient access by credit card or cheque
  
  
• purchase security protects your purchases for up to 90 days, with extended warranties of an extra year on most purchases³

		Take the next step... Apply using our online application, if: you are requesting an amount up to $50,000 you have been in business two years or more Apply in person at a Scotiabank branch, if: you are requesting an amount over $50,000 you have been in business less than two years Contact a Small Business advisor Call us at 1-877-552-5522

¹ Interest rate depends on whether the ScotiaLine for business VISA account is secured or unsecured, subject to approval and the security provided. Rates are effective as of November 3, 2008, subject to change without notice. Learn more about VISA card fees and VISA card interest rates.

² Provided the balance is paid in full each month, by the payment due date. Effective May 1, 2008, the interest-free grace period will change from up to 26 days to up to 21 days.

³ For all insurance coverages certain limitations, restrictions and exclusions apply. You will receive Certificates of Insurance which contain a full description of coverage.