Winnipeg

Refer a newcomer to open a Scotiabank account under the Scotiabank StartRight® Program1 before December 31, 2013 and we'll give you both $50.2

Refer a newcomer
to open a Scotiabank ®
account – we'll give
you both $50.

Help friends and family build a richer life in Canada

Refer a newcomer to open a Scotiabank account under the Scotiabank StartRight ® Program 1 before December 31, 2013 and we'll give you both $50 2 .

Refer a newcomer to open a Scotiabank account * . We'll give you both $50 † . Become a new Scotiabank StartRight ® customer – simply open an account with us before December 31, 2013, and we'll give you CAD $50 to start your new life right. Come in to your local branch and choose from a variety of personal deposit products.

To qualify for the Scotiabank StartRight Program:

You've been in Canada for less than three years and you are a:

• Landed immigrant
• Foreign Worker
• International Student

Share the rewards of a richer life in Canada:

It's easy. Simply fill out the form below to register. Print and bring your coupon to your local branch.

• Free day-to-day banking for one year3
• Build your credit history with an unsecured credit card4 that best meets your needs
• Secure your valuables with a free small safety deposit box for one year5

• Buy a car from select dealerships with special financing6 just for newcomers
• Specially-designed mortgage solution to assist you in purchasing a home in Canada7
• Learn More

• 1 The Scotiabank StartRight Program, created for Canadian Landed Immigrants from 0–3 years in Canada, International Students and Foreign Workers. The Scotiabank StartRight Mortgage Program, created for Canadian Landed Immigrants and Foreign Workers from 0–5 years in Canada. Read more

• 2 Referrer and Referee must complete the same registration page found at www.scotiabank.com/winnipegairport. Referee will receive $50 deposited into his/her Eligible Account, and Referrer willreceive a $50 Scotiabank® Prepaid Reward VISA* Card, up to 90 days after the Eligible Account is opened, subject to both Referrer and Referee meeting the program Terms & Conditions.To qualify for this program, a Referee must be an individual who (i) prior to participating in this program was not a customer of Scotiabank, (ii) is a Canadian landed immigrant or a foreign national (international student or foreign worker) that has been residing in Canada for less than 3 years, (iii) is of the age of majority in the province or territory in which he/she currently resides, (iv) does not reside in the Province of Quebec, and (v) Employees of The Bank of Nova Scotia, Bensimon Byrne, AIMA Inc, Berkeley Payment Solutions, (and persons domiciled with them and immediate relatives) are not eligible to enter. Only the first 1,000 Referees to open an Eligible Account between July 15, 2013 and December 31, 2013 will be eligible for the $50 and that account must be in good standing on the day that Scotiabank attempts to make the deposit. Scotiabank may withdraw or change this offer at any time without notice. For a list of Eligible Accounts view the full program Terms & Conditions.
• 3 Offer available for one year from account open date when you open a new Scotia One TM account with Scotiabank. Free banking means that we will waive your monthly account fee only. All other fees not covered by your banking package will continue to apply, including additional fees charged by other financial institutions and access fees to use non-Scotiabank banking machines. (e.g., Interac, Visa* or PLUS* fees). Cardholder service fees continue to apply for using cross border debit service. Please see the Day-to-Day Banking Companion Booklet for further details about these services and fees.
• 4 Subject to meeting Scotiabank's credit criteria and security requirements. An unsecured VISA card may be available up to certain credit limits; a secured VISA card requires security equal to 100% of approved credit limit for Foreign Workers and Permanent Residents and 120% of approved credit limit for International Students. VISA card security can be cash security, Canada Savings Bonds or Guaranteed Investment Certificate, provided it can be assigned as collateral security. In addition, to be eligible for a credit card, you must be a Canadian resident and have reached the age of majority: 18 years for PEI, QC, ON, MB, SK, AB and 19 years for NL, NB, BC, YK, NT, Nunavut.
• 5 Subject to availability and signing the Safety Deposit Box lease.
• 6 Currently the Auto Finance Program is available through the following car dealerships in Canada: Kia, Chrysler, General Motors, Hyundai, Jaguar/Land Rover, Mazda, Mitsubishi and Volvo. This program is only available for Landed Immigrants and Foreign Workers. Subject to Scotiabank financing terms and conditions. Downpayment required.
• 7 Applicable to residential mortgages only and subject to Scotiabank lending criteria for residential properties. CMHC/Genworth Financial Canada mortgage default insurance may be required for Loan to Value ratios (LVRs) greater than 50% to a maximum of 95%. Maximum LVRs available may be less than 95%.
• ® Registered trademarks of The Bank of Nova Scotia.
• ™ Trademark of the Bank of Nova Scotia.
• * VISA Int./Lic. user The Bank of Nova Scotia.