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Christmas Loans Promotion

The following definitions apply to these Terms and Conditions:

Participating Customer” means the client who obtains proper approval for an unsecured Scotia Plan Loan relative to the Scotiabank Christmas Holiday Campaign (“Campaign”) during the month of November 2013 to January 31st, 2014
Promotional Period” means from November 2013 to January 31st, 2014 inclusive
Campaign” refers to this Promotion only, any of Scotiabank’s other Promotions or programs are excluded.
Eligible” refers to any individual qualified to participate in this Promotion
Scotiabank” means Scotiabank Barbados and the rest of the CE Countries.

The Program is open to legal residents of Barbados who are 18 years of age or older.

The Promotion allows all net new customers who meet Scotiabank’s lending criteria eligibility requirements, access to a new unsecured Scotia Plan Loan for the purpose of financing home improvements, Xmas Shopping expenses and Travel. In addition, eligible Participating Customers will also receive lower interest rates on his/her loan, based on the Participating Customer's risk rating and discounts at selected merchant stores. This promotional offer will be applicable for unsecured Scotia Plan Loans only. All retail customers will be eligible for this offer upon approval of the Scotia Plan Loan application. Reduction in interest rates will vary depending on the Participating Customer’s risk rating. This is a limited-time Promotion and it will run from November 2013 to January 31st, 2014. (“the promotional period”)

To qualify for this promotional offer, all applications/loans must be completed by January 31st, 2014.

Customers currently on an existing debt relief program, such as the Customer Assistance Program (CAP), are not eligible. CAP graduates (those customers who were a part of the original CAP program, but are currently in good standing on all credit products with no delinquency) may be considered for this Promotion.

Participating Customers must provide financial information regarding all of their outstanding debts, whether they are held with Scotiabank or another lender(s).

A standard Scotiabank credit application (IAP) must be completed.

Participating Customers must undergo Scotiabank’s normal credit application and adjudication processes and meet Scotiabank’s credit requirements in order to qualify for any financial solution.

Scotiabank reserves the right in its absolute discretion to vary the terms and conditions of the unsecured personal loans extended for the purpose of the Scotiabank Christmas Holiday Campaign at any time without giving any reason. Scotiabank has the right to exclude any applicant from receiving this promotional offer in its absolute discretion without any obligation to provide notice or reason.

This promotional offer is non-negotiable and non transferable. Changes to the product or offer amount will be subject to standard application and adjudication.

In all matters relating to the Promotion, the decision of Scotiabank shall be final and binding in all respects.

These terms and conditions apply only to this Promotion and do not apply to any of Scotiabank’s other Promotions or programs or any other Promotion or program in conjunction with the Bank and any other entity (or brand).

* Trademark of The Bank of Nova Scotia, used under license and authorization from The Bank of Nova Scotia.
‡ Conditions apply. Visit barbados.scotiabank.com for more information.

Contact your local Branch Manager, Personal Banking Manager, Sales & Service Managers or Product Delivery Manager for more details of this Christmas Holiday Campaign.

Dwellings
Offer Each successful loan applicant will receive a voucher which entitles them to $20 off purchases of $200 or more when presented at Dwellings. The voucher is good for one purchase only and must be used by Friday January 17th, 2014.

Harris Paints
Offer Each successful loan applicant will receive a voucher to be presented at Harris Colourcentres at Wildey, Fitts Village or Six Roads to receive 20% off Harris Ulttima Plus, Woodcare and Super Primers, plus a free consultation with the colour specialist. The voucher is valid until December 31st, 2013. Customers’ purchases will also entitles them to enter for a chance to win a room makeover (paints, accessories and expert consultation). This draw will take place by January 10th, 2014.

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The following definitions apply to these Terms and Conditions:

Participating Customer” means the client who obtains proper approval for an unsecured Scotia Plan Loan relative to the Scotiabank Christmas Holiday Campaign (“Campaign”) during the month of November 2013 to January 31st, 2014
Promotional Period” means from November 2013 to January 31st, 2014 inclusive
Campaign” refers to this Promotion only, any of Scotiabank’s other Promotions or programs are excluded.
Eligible” refers to any individual qualified to participate in this Promotion
Scotiabank” means Scotiabank Barbados and the rest of the CE Countries.

The Program is open to legal residents of Barbados who are 18 years of age or older.

The Promotion allows all net new customers who meet Scotiabank’s lending criteria eligibility requirements, access to a new unsecured Scotia Plan Loan for the purpose of financing home improvements, Xmas Shopping expenses and Travel. In addition, eligible Participating Customers will also receive lower interest rates on his/her loan, based on the Participating Customer's risk rating and discounts at selected merchant stores. This promotional offer will be applicable for unsecured Scotia Plan Loans only. All retail customers will be eligible for this offer upon approval of the Scotia Plan Loan application. Reduction in interest rates will vary depending on the Participating Customer’s risk rating. This is a limited-time Promotion and it will run from November 2013 to January 31st, 2014. (“the promotional period”)

To qualify for this promotional offer, all applications/loans must be completed by January 31st, 2014.

Customers currently on an existing debt relief program, such as the Customer Assistance Program (CAP), are not eligible. CAP graduates (those customers who were a part of the original CAP program, but are currently in good standing on all credit products with no delinquency) may be considered for this Promotion.

Participating Customers must provide financial information regarding all of their outstanding debts, whether they are held with Scotiabank or another lender(s).

A standard Scotiabank credit application (IAP) must be completed.

Participating Customers must undergo Scotiabank’s normal credit application and adjudication processes and meet Scotiabank’s credit requirements in order to qualify for any financial solution.

Scotiabank reserves the right in its absolute discretion to vary the terms and conditions of the unsecured personal loans extended for the purpose of the Scotiabank Christmas Holiday Campaign at any time without giving any reason. Scotiabank has the right to exclude any applicant from receiving this promotional offer in its absolute discretion without any obligation to provide notice or reason.

This promotional offer is non-negotiable and non transferable. Changes to the product or offer amount will be subject to standard application and adjudication.

In all matters relating to the Promotion, the decision of Scotiabank shall be final and binding in all respects.

These terms and conditions apply only to this Promotion and do not apply to any of Scotiabank’s other Promotions or programs or any other Promotion or program in conjunction with the Bank and any other entity (or brand).

* Trademark of The Bank of Nova Scotia, used under license and authorization from The Bank of Nova Scotia. ‡ Conditions apply. Visit barbados.scotiabank.com for more information.

Contact your local Branch Manager, Personal Banking Manager, Sales & Service Managers or Product Delivery Manager for more details of this Christmas Holiday Campaign.

Dwellings
Offer Each successful loan applicant will receive a voucher which entitles them to $20 off purchases of $200 or more when presented at Dwellings. The voucher is good for one purchase only and must be used by Friday January 17th, 2014.

Harris Paints
Offer Each successful loan applicant will receive a voucher to be presented at Harris Colourcentres at Wildey, Fitts Village or Six Roads to receive 20% off Harris Ulttima Plus, Woodcare and Super Primers, plus a free consultation with the colour specialist. The voucher is valid until December 31st, 2013. Customers’ purchases will also entitles them to enter for a chance to win a room makeover (paints, accessories and expert consultation). This draw will take place by January 10th, 2014.