Scotiabank StartRight Program for Newcomers

Scotiabank StartRight Program, created for Canadian Permanent residents from 0–3 years in Canada, International Students and Foreign Workers.

To qualify for the $300 bonus, (1) you must qualify as a StartRight customer, (2) you must open a Scotiabank Momentum Chequing Account or Scotia One Account (an “Eligible Account”) between September 1, 2017 and October 31, 2017 and (3) set up your payroll so that it is deposited into your Eligible Account or set up a minimum of 2 pre-authorized transactions for a minimum of $25 per transaction. Your payroll or pre-authorized transactions must clear the account within 60 days of account opening. All pre-authorized transactions must clear the Eligible Account at least once per month for a period of twelve (12) months in order to qualify. Employees of The Bank of Nova Scotia (“Scotiabank”) and individuals who are/were previously holders or joint holders of an Eligible Account, Scotia® Moneyback Account, Powerchequing® Account, Basic Banking Account, Basic Banking Plan, Scotia Value® Account, or Student Banking Advantage® Plan are not eligible. The Eligible Account must be open and in good standing until the time of payout. The Eligible Account is not in “good standing” if (i) it has a negative balance exceeding the authorized overdraft limit or (ii) it has been in continuous overdraft for a period of three (3) consecutive months. The $300 bonus will be paid in two separate deposits of $100 and $200 into the Eligible Account within 120 days of account opening providing the above criteria has been met. Maximum one offer per customer. This offer is non-transferable and cannot be duplicated or combined with any other offer. Scotiabank may withdraw or change this offer at any time without notice.

For more information on the features and fees of this account, including the minimum daily balance to qualify for the fee waiver, refer to www.scotiabank.com or in branch.

Subject to availability and signing the Safety Deposit Box lease.

To be eligible, you must be a participant in the Scotiabank StartRight Program. Your application for credit and the credit limit assigned (up to $5,000 for Permanent Residents/Foreign workers and up to $1,000 for International Students) will be determined based on Scotiabank’s credit criteria, including your verifiable income and credit history (if available). A credit history in Canada is not required in order to be eligible for credit under the Scotiabank StartRight Program. To qualify for a credit card, you must be a resident of Canada and the age of majority.

The Scotiabank StartRight Auto Finance Program is available through all Scotiabank authorized dealerships in Canada. This program is only available for Permanent residents and Foreign Workers. Subject to Scotiabank credit approval and financing terms and conditions. Downpayment required.

Applicable to residential mortgages on owner occupied properties only and subject to meeting Scotiabank’s credit criteria, property requirements and maximum permitted loan amounts. Canada Guaranty, Canada Mortgage and Housing Corporation or Genworth Financial Canada default insurance may be required for Loan to Value (LTV) ratios greater than 65% to a maximum of 95%. Maximum LTV ratios available may be less than 95%. Down payment must come from applicant’s own resources (i.e. not gifted or borrowed). This offer is for all qualified purchase customers who are Permanent Residents in Canada 0 - 3 years or Foreign Workers in Canada (0-5 years in Canada if default insured by Canada Guaranty or Genworth Financial Canada). Some conditions apply.

Offer valid for new Scotia iTRADE® accounts, excluding Cash Optimizer Investment accounts, opened by new Scotia iTRADE clients who do not already have an existing account with Scotia iTRADE. If you open one or more NEW Scotia iTRADE account(s) (each, a “New Account”) and fund the New Account(s) within 60 days of opening the New Account(s) with at least CAD $1,000 in cash or in Net Equity (cheque deposit, electronic funds transfer or transfer of assets) (“Minimum Amount”), from an account that is not held at Scotia iTRADE, (1) the commissions associated with the first 10 online commissionable trades of Equities, Options and ETFs placed within 365 days of the date when you funded your New Account(s) with the Minimum Amount will be credited back to the corresponding New Account within 30 days of each order fill, to a maximum amount of $9.99 per trade in the currency of the account (maximum total commission rebate of $99.90), (2) the amount of the transferring fee charged by another Canadian broker will be credited to your New Account (up to $150 per client) subject to Scotia iTRADE’s receipt of the documentation evidencing such transfer-in fee. Scotia iTRADE reserves the right to charge you all or part of the commissions associated with the first 10 online trades completed within 365 days of funding your New Account(s) (when such commissions were previously credited back to your New Account(s)) if the conditions of the offer are not complied with. Scotia iTRADE reserves the right to modify and/or cancel this offer at any time without notice in its sole discretion. Clients must enter the promotional code SRPE15 (English) or SRPF15 (French) when submitting the New Account application to qualify. To qualify for this offer, you must satisfy Scotia iTRADE’s Canadian residency requirements, have a valid Social Insurance Number, be eligible to open a Scotia iTRADE account, maintain all of your accounts at Scotia iTRADE in good standing, not be in a disallowed debit position and not have any outstanding margin calls due. This offer has no cash redemption value. This offer cannot be transferred or combined with any other promotional offer (excluding Refer-a-Friend). Limited to one offer per client. In case of joint account only one account holder will be entitled to receive free trades.

Qualifying students are full-time students enrolled at a Canadian university, community college, CEGEP or other recognized post-secondary institution. To take advantage of the Student Banking Advantage Plan account benefits, you will need to provide your branch with proof that you are enrolled full-time at a qualifying post-secondary institution each academic year prior to November 30th. When you are no longer enrolled full-time or you have not presented proof of enrolment, the plan will be removed and the account will automatically be converted to an account that is suitable to you based on your recent transaction behaviour. Personal identification requirements must be met.

The Getting There Savings Program for Youth is available to customers up to a certain maximum age. The Getting There Savings Program for Youth account has no monthly Account fees. All other fees not covered by your banking package will continue to apply, including fees charged by other financial institutions and access fees to use non-Scotiabank banking machines (e.g. Interac††, Visa* or PLUS* fees). When you reach the maximum age for the account, the account will automatically be converted to an account that is suitable for you based on your recent transaction behaviour. Please see the Day-to-Day Banking Companion booklet for further details about these services and fees, including the maximum age.

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