As a professional employed in a salaried environment, choosing the right financial specialist to advise you will be one of the most important steps you take.

Scotia Professional® Plan (SPP) is an all inclusive banking package, designed for professionals who are paid on a salaried basis, such as associates. SPP is a convenient and cost effective way to manage your specialized banking needs, for a low monthly fee.

Features for Your Practice

• Receive our Plan account with all service charges waived¹ and premium interest rates on surplus balances.
  
  
• Receive up to 100% financing on term loans, with flexible repayment terms, including deferment of principal payments for start-up practices, recent graduates and parental leaves.²
  
  
• Manage your 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.²
  
  
• 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 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 a 20% discount on the low monthly fee. Enjoy all of the features mentioned above, plus the following additional Scotia Professional Plan benefits:

• 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   Covers monthly fees and account transaction fees only.
2   Subject to credit approval.