When you’re the key person in your practice, self-employment can mean a hefty workload. Scotia Professional® Plan (SPP) offers a convenient, cost effective way to manage both your business and personal banking with a comprehensive range of products and services.

SPP is an all-inclusive banking package that can save you hundreds of dollars a year¹ on your personal and business banking, for a low monthly fee.

Features for Your Practice

• Receive a 20% discount on our regular Account Plan for business™ - a savings of up to $22 a month¹
  or choose the Basic Business Account with fees on a per-transaction² basis, while receiving premium interest rates on your surplus balances
  
  
• Receive up to 100% financing on equipment and operating loans, with rates as low as Scotiabank Prime.³ Flexible repayment terms, including deferment of principal payments for start-up practices, recent graduates and parental leaves.³
  
  
• Receive preferred merchant discount rates through our alliance with Paymentech Canada
  
  
• Manage your business and personal banking, anywhere, anytime with Scotia OnLine® Financial Services.
  
  
• Your first order of Scotiabank cheques is free. Choose from the ChequeEssentials package or 200 marble,
  2-to-a-page single cheques, in a choice of colours.

Features for Your Personal Banking

• ScotiaGold Passport™ VISA* card with annual fee waived for an annual savings of $110.
  
  
• Mortgages and personal loans at our best available rate.³
  
  
• GICs at our best available rate.
  
  
• RSP and SDRSP plan administration fees waived.
  
  
• Receive a complimentary financial plan and preferred access to a dedicated team of expert advisors with expertise in: Financial Planning, Investment Management, Will and Estate Planning and Practice Protection and Succession.
  
  
• Free safety deposit box for the first year of your Scotia Professional Plan.
  

Benefits of Membership

The following professional associations have exclusively endorsed the Scotia Professional Plan for their members:

• British Columbia Dental Association
• British Columbia Medical Association
• Canadian Pharmacists Association
• Canadian Psychiatric Association
• Canadian Psychological Association
• The Canadian Association of Optometrists
• The College of Family Physicians of Canada
  

As a member of one of these associations, you will receive the following additional Scotia Professional Plan benefits:

• A no-fee Scotia Powerchequing® account with unlimited transactions.⁴
• Reduced fees for fee-based investment accounts for the following programs: Partnership Plus, i:Partner, The Summit Program, The Pinnacle Program, The Pinnacle Portfolios, The Sovereign™ Investment Program and LifePoints.
• Reduction in the minimum account size for all investment accounts (except the ScotiaMcLeod Summit program).
• 10% reduction in trading commissions for ScotiaMcLeod Direct Investing accounts.
• Private banking fees reduced from $100 to $75 a month.

Next Steps

• If you have any questions about Scotia Professional Plan, please contact the Small Business Banker at your local branch.
• To apply for Scotia Professional Plan, please contact or visit your local branch.

1 Amount of savings is dependent on products selected.
2 Pay-per-transaction fees are subject to change.
3 Subject to credit approval.
4 Only available for professionals using Scotia Professional Plan business banking
services for their practice.