Let us help you start right in Canada.

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www.startright.scotiabank.com
Call 1-866-800-5159
Click www.startright.scotiabank.com
Visit a Scotiabank branch
9096817 (06/10)
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For more information on our wide range
of complementary products and services,
please visit our website:
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Are you new to Canada?
Let us help you start right with
advice and simple solutions for
your new journey.
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Let us help you
start right
in Canada.
12 Provided that you pay your balance in full by the payment
due date in both current and previous months. The 21-day
interest-free grace period does not apply to cash advances, balance
transfers and Scotia® VISA cheques. Effective September 1, 2010, you
only need to pay your balance in full in the current month to qualify
for the interest-free grace period.
13 SCENE VISA cardholders will receive points for purchases made with
their SCENE VISA card. SCENE VISA cards must be connected to a
SCENE membership in order to earn points. SCENE Points can only be
redeemed at participating Cineplex Entertainment theatres or scene.ca.
Some conditions and limitations apply. To be eligible for the 2000 bonus
points, a purchase must be made within 60 days of opening your SCENE
VISA account. The bonus is limited to one VISA account opening per
SCENE membership.
14 Purchase returns, payments, cash advances, fees and service charges do
not qualify for a Moneyback® reward. Earn 0.25% Moneyback® reward
on the first $500 in annual net eligible purchases; 0.50% Moneyback®
reward on the next $500 in annual net eligible purchases; 1.0%
Moneyback® reward on any amount over $1,000 in annual net eligible
purchases.
15 The interest rate varies for this account based on the balance in
your account. There are six tiers that range from under US$1,000
to US$60,000 and over. Interest is paid on the portion of the daily
closing balance that falls within the specific interest rate tier. Interest
is calculated daily and paid monthly. A deposit to this account
does not constitute a deposit that is insured under the Canada
Deposit Insurance Act. A monthly fee of US$1.00 applies for every
month you don’t maintain a minimum daily balance of US$200. If a
cheque drawn on this account is negotiated at a financial institution
outside Canada, that institution may charge a fee that will be deducted
from the account.
16 The interest rate varies for this account based on the balance in your
account. There are six tiers that range from under €1,000 to €60,000
and over. Interest is paid on the portion of the daily closing balance
that falls within the specific interest rate tier. Interest is calculated daily
and paid monthly. A deposit to this account does not constitute a
deposit that is insured under the Canada Deposit Insurance Act. No
monthly account fee for each month you maintain a minimum daily
closing balance of €200.00 otherwise a monthly maintenance fee of
€1.00 applies. Only teller-assisted debit and withdrawal transactions
conducted at your branch of account are allowed on this account.
17 Monthly Fee is waived when you maintain a minimum daily balance
of US $200 or €200. If daily account balance drops below US $200
or €200, a monthly maintenance fee of US $1.00 or €1.00 applies.
Additional transactions are US 60¢ or €0.60 each.
ω 10% discount applies to the full purchase price (excluding taxes) and
excludes Tim Horton’s and alcoholic beverage purchases. Free movies
at Cineplex Entertainment theatres with just 1,000 points. Some
restrictions and limitations apply.
∆ Secured VISA card for Foreign Workers who are creditworthy and can
pledge the security required (cash security, Canada Savings Bonds, or
Guaranteed Investment Certificate equal to 100% of approved credit
limit) are eligible for a secured card.
∂ Secured VISA card for International Students is subject to credit
approval and security provided (cash security, Canada Savings Bonds,
or Guaranteed Investment Certificate equal to 120% of approved
credit limit is required).
™*Trademark of SCENE IP LP, used under licence
™ Trademarks of The Bank of Nova Scotia.
® Registered trademarks of The Bank of Nova Scotia.
®* The WESTERN UNION name, logo and related trademarks and service
marks, owned by Western Union Holdings, Inc, are registered and/
or used in the U.S. and many foreign countries and are used with
permission.
* VISA Int./Lic. user The Bank of Nova Scotia.
***Interac Inc. owner of mark Interac. The Bank of Nova Scotia
is an authorized user of the trademark.
§ Ranked by Canadian Business magazine and the Reputation Institute
∞ Ranked by reknowned International Consulting Firm,
Oliver Wyman, 2009
LA
S cotiabank StartRight Program, created for Canadian Landed
Immigrants from 0 – 3 years in Canada, International
Students, Foreign Workers and Immigrant Investors.
1 Offer available for one year when you open a new Powerchequing
account with Scotiabank. Free banking refers to personal account
level service fees only. This includes all account monthly transaction fees.
It does not include fees not covered by your banking package nor fees
charged by other financial institutions. Fees not covered with the
Powerchequing account, including access fees to use non-Scotiabank
banking machines (e.g., Interac***, VISA, or PLUS* fees) continue to
apply. Cardholder service fees continue to apply for using the cross
border debit service.
2 Subject to meeting the credit criteria of Scotiabank. In addition to be
eligible for a personal borrowing product, you must be a Canadian
resident and have reached the age of majority in your province of
residence. Purchase returns, payments, cash advances, fees and
service charges do not qualify for a Moneyback® reward.
3 Subject to availability and signing the Safety Deposit Box lease.
4 Currently the Auto Loan Program is available through selected car
dealerships. This Program is only available for landed immigrants and
foreign workers. Subject to Scotiabank financing terms and conditions.
Downpayment required.
5 The interest rate paid depends on the total daily closing balance. Interest
rate is applied to the entire balance, calculated daily, and paid monthly.
6 Scotiabank is an authorized agent facilitating Western Union Money
Transfer services. Western Union Money Transfer fees vary based on
amount sent and destination. Information on Western Union Money
Transfer fees can be obtained at a participating Scotiabank branch.
A Scotiabank day-to-day banking account is required for use of Western
Union Money Transfer services from a participating Scotiabank branch.
7 Subject to property meeting Scotiabank and/or CMHC/Genworth
Financial Canada credit and lending criteria for residential properties.
8 Bonus of 0.50% is offered over and above the posted interest rate.
Cashable GICs are one-year term investments that can be cashed any
time after 30 days without penalty. Minimum investment amount is
$1,000. Bonus rate subject to change.
9 Qualifying Students are full-time students attending a Canadian
university, community college, CEGEP or other recognized postsecondary school. To take advantage of the Student Banking Advantage
Plan account benefits, you will need to visit your branch each calendar
year prior to October 31st and present proof that you are enrolled
full-time in a qualifying post-secondary school. When you are no longer
enrolled full-time or you have not presented proof of full-time postsecondary school enrollment, the plan will be removed and the account
will automatically be converted to a Powerchequing account. Personal
identification requirements must be met. A monthly maintenance fee of
CAD$1.25 applies for each month you don’t maintain a minimum daily
closing balance of CAD$2,000.00.
10 SCENE points are awarded for debit purchase transactions from an
eligible account using your SCENE ScotiaCard. Points accumulated
using the SCENE ScotiaCard will be updated within 2-3 business days
for debit transactions and monthly for the Scotiabank sign-up and
banking relationship offers. SCENE points can only be redeemed at
participating Cineplex Entertainment theatres or scene.ca for other
point’s offers (or rewards). Some conditions and limitations apply.
Visit scene.ca for complete details.
1000 points will be added to your SCENE membership when you obtain
a SCENE ScotiaCard bank card on a new SCENE-eligible bank account
attached to your SCENE membership. 1000 points will be added to your
SCENE account for having your payroll deposited to your new SCENEeligible Scotiabank account or a total of 2 pre‑authorized credits (PACs)
and/or pre-authorized debits (PADs). All pre-authorized transactions
must occur within the same month. Each sign-up offer is awarded
once per customer per SCENE membership. Each offer is paid once per
customer on joint or single accounts once your account has qualified.
For joint accounts, if at the time of awarding either offer, each customer
has registered an individual SCENE membership, points will be split
equally. These offers do not apply to existing SCENE-eligible Scotiabank
account holders.
11 Interest rates, annual fees and features are effective as of March 2, 2009
and are subject to change without notice.
†
L
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ecognized by Canadians as Canada’s most
reputable bank.§
Build your credit history with a No-Fee
Scotia Moneyback® VISA* card2 and earn
up to a 1% Moneyback® reward every year
on your card purchases.
Strength, integrity and service for over 175 years
S
erving more than 14.6 million customers
in 50 countries worldwide
6
8,000 Scotiabank employees – many who speak
your language
You have made the big decision to
move to a new country. As you start
1
,019 branches and 2,964 ABMs servicing over
7 million customers across Canada
your new life in Canada, you will find
Secure your valuables with a free small
safety deposit box.3
Buy a car with specially-designed financing
at select dealerships.4
Simple yet complete financial
solutions in one convenient
package.
that managing your finances will be at
Grow your savings with Scotiabank’s
Money Master® Savings Account.5
the top of your to-do list.
Western Union Money Transfer®* services
at Scotiabank6
The Scotiabank StartRight
®†
E
njoy a chequing account with
free day‑to‑day banking for one year.1
B
uild your credit history with a No‑Fee
Scotia Moneyback® VISA*
credit card2∆ and earn up
to a 1% Moneyback®
reward every year
on your card purchases.
S
ecure your valuables with a free
small safety deposit box.3
G
et a specially-designed mortgage
for temporary residents to assist you in
purchasing a home in Canada.7
B
uy a car with specially-designed financing
at select dealerships.4
for newcomers is designed with your
O
ne year cashable Guaranteed Investment
Certificate (GIC) with an interest rate bonus8
interest in mind to help you get settled
P
urchase gold and other precious metals
through services provided by ScotiaMocatta.
faster and smoother.
Let’s put your financial
goals to work.
Grow your savings with Scotiabank’s
Money Master® Savings Account.5
Western Union Money Transfer®* services
at Scotiabank6
One year cashable Guaranteed Investment
Certificate (GIC) with an interest rate bonus8
Corporate Headquarters of The Bank of Nova Scotia,
Scotia Plaza, Toronto, Ontario, Canada
Your new financial
future starts today.
Get the Student Banking Advantage®
Plan9 with unlimited debit transactions
for just $1.25 a month10.
E
nrol in a free SCENE™
membership and enjoy free movies
and 10% off concession purchases.ω
Your SCENE™*
ScotiaCard™ earns
1 SCENE point for every
$5 spent and up to 2,000
bonus points with a sign-up bonus of up
to 2,000 SCENE points – enough for two
free movies! 10
A SCENE VISA* card
earns 1 SCENE point for
every $1 spent with no
annual fee,11 a credit limit
up to $2,000∂, an interest-free
grace period12 and 2,000 bonus points13.
A L’earn™ VISA card∂
with no annual fee,11 a
credit limit up to $2,000,
an interest-free grace
period12 and a Moneyback® reward
program14.
Get a specially-designed mortgage
solution to assist you in purchasing a home
in Canada.7
program
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njoy free day-to-day banking for
one year.1
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ne of North America’s leading financial
institutions – and Canada’s most International Bank
R
anked among Top 10 Most Stable Banks
in the World∞
Congratulations!
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Why Scotiabank?
Get started right
when you arrive.
You may be on a
temporary work permit,
but managing your finances
is not a temporary thing.
Purchase gold and other precious metals
through services provided by ScotiaMocatta.
Scotia® U.S. Dollar Daily Interest
Account15 or a Scotia® EURO Daily
Interest Savings Account16 with 2 free
transactions17.