ADH

^ Thanks for the update, Shady. I am also happy with my choice of Scotia.

^Optimism101, are you sure there isn't something in the contract saying that they reserve the right to increase the interest rate above prime? Ignore what you were told verbally, and look closely at the fine print. Shady, I signed with Scotiabank, and they have an "adjustment factor" that is added to the prime rate to determine the total interest rate they will charge. Currently, the adjustment factor 0.00%, but they state that they can increase this adjustment factor if they wish. I asked BMO, RBC, and CIBC if they had something similar in their contracts, and all of these banks said yes. So it appears to be standard. Also, to ease anxieties, I was told that it is extremely unlikely that the banks would increase the rate above prime (of course prime itself will fluctuate, but the banks cannot control that). For those still shopping around, I strongly recommend asking for copies of the contracts BEFORE submitting applications (since multiple applications decrease your credit rating). No worries though, as I think we will all be just fine. Edit: I didn't mean to have the smiley face in the subject line lol

Did anyone get an LOC with a rate of prime guaranteed in the contract? I am aware that many reps say that it is guaranteed, even if the contract fine print states otherwise.

For some banks, it is important that you complete your predicted budget appropriately so that you get approved for the maximum amount.

I forgot to post this on May 14th with all of the excitement. Accepted to Hamilton campus. OOP VR 11 OMSAS GPA: 3.99 Interview: I was very sleep deprived, so let that bring hope to those who cannot sleep the night before an interview!

I have waited a long time to post one of these Accepted into VFMP IP 95% average 38S ECs: Diverse and long-term, but nothing spectacular. Congrats to everyone accepted, and best of luck to all those still working on gaining acceptance.

Accepted OOP 4.0 38S ECs: Diverse and long-term Congrats to all!

Waitlisted 3.99 38S Diverse and long-term ECs. Best of luck to everyone else!

I just received regrets (9:00 am Ontario time). GPA: 3.99 MCAT: 38S ECs: Diverse and long-term, but weak on research. Best of luck to the rest of you!

Accepted!! OOP GPA: 4.0 VR: 11 Interview: Felt very good Does anyone know when the CPR course needs to be completed by?