Referral Program Email - Post Arrival

Hi {{ first_name | default:there }},

Managing your banking in Canada doesn’t have to be complex.

Through Moving2Canada’s partnership with Scotiabank, you can register now and claim a $100 gift card¹ when you meet with an advisor. 

It’s simple: 

Register in just a few minutes to secure your $100 gift.

Whether you’re opening your first account in Canada or thinking about switching, you can also learn more about the Scotiabank StartRight® Program³, which offers tailored banking solutions, credit-building options, and up to $2,300 in value in the first year².

Take a few minutes to register today and secure your $100 gift card! 

Already a Scotiabank client? You can still get rewarded! Refer eligible friends or family and receive a $50 gift card per referral, up to $500⁴ — and they also get $50 for meeting with an advisor.  

Warm wishes, 
The Moving2Canada team, in partnership with Scotiabank 

Legal

¹The Partner Program:
The Scotiabank $100 Reward Offer (the “Offer”) applies only to select members who have received an email directly from Moving to Canada inviting them to participate in the Offer and who meet all eligibility criteria below (each an “Eligible Participant”).
Program Term: This Offer is valid from March 16th to June 30th, 2026.
Eligibility: To qualify, the Eligible Participant must be the age of majority in their Canadian jurisdiction of residence, be an international student, a foreign worker on a work permit or a permanent resident and not be an employee of The Bank of Nova Scotia or its affiliates. This Offer is available only to new clients who do not currently have, or have not ever had, any Scotiabank products, services or accounts.

The Eligible Participant must complete the following actions ("All Actions"):
1. Consent to receive marketing communications from Moving to Canada (Note this is necessary so that Moving to Canada can contact Eligible Participant to register for the Offer. Eligible Participant may unsubscribe at any time thereafter if they no longer want to receive promotional communications from Moving to Canada).
2. Register for the Offer using the unique Registration ID sent in the email from Moving to Canada. The Registration ID will expire at the end of the month in which this email was sent.
3. After successfully registering, Eligible Participant will receive a unique offer code, followed by a registration confirmation email from ARM Marketing Inc. (the “Fulfilment Agency”) on behalf of Scotiabank containing a unique offer code (the “Offer Code”). The Offer Code will only be valid for 60 days.
4. Schedule and complete a financial review and goals meeting at a Scotiabank branch with a Scotiabank Advisor no later than 60 days of receiving the Offer Code.
5. Provide the Scotiabank Financial Advisor with the unique Offer Code provided in the registration confirmation email from Step 3.

Upon successfully completing All Actions, the Eligible Participant will receive an email from the Fulfilment Agency with instructions on how to redeem their $100 e-card. The Eligible Participant has 30 days from the date of the reward redemption email to redeem their e-card by visiting the e-card redemption website at the unique link provided in the email. After 30 days, this unique link will expire and will no longer be accessible. Once the Eligible Participant redeems the e-card, the Eligible Participant will receive another email within approximately 5 business days with a downloadable version of their selected e-card. The e-card must be downloaded within 30 days, or the e-card will expire. Once downloaded, most e-cards do not expire although some such as The Ultimate Dining e-card expire 90 days from day of download – please review the expiry terms for your chosen e-card. In those cases in which the Eligible Participant has a unique link or downloadable e-card that has expired, the Eligible Participant may request a new link at Fulfilment Agency’s discretion at [email protected]. All additional terms and conditions relating to the use of the e-gift card, as published or conveyed by the e-gift card issuer will continue to apply to such use of e-gift card by the Eligible Participants.

Limitations:
An Eligible Participant’s assigned Offer Code is unique to them and is not transferable and may not be sold or mass distributed. Once the Eligible Participant’s unique Offer Code has been submitted, it can’t be reversed or cancelled. Each Eligible Participant may only use the Offer Code once. This Offer may only be used for personal, non-commercial purposes.
Scotiabank reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time without prior notice. In the event of conflict, these Terms and Conditions will prevail over any of the contents of any brochure, promotional
materials or statements, or any other communication regarding this Offer, whether written or oral from Scotiabank, except where otherwise stated.
Scotiabank reserves the right at its sole discretion to, without advance notice, terminate or suspend the Offer, in whole or in part, or modify it in any way.
Scotiabank reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke this Offer for any person it finds or believes to be manipulating or otherwise abusing the process, fairness, or integrity of the Offer or otherwise becomes ineligible. E-cards earned through fraudulent activities or activities in violation of these Terms and Conditions will be null and void and repayment may be requested by Scotiabank.
Scotiabank shall not be liable in case the e-gift card is lost, destroyed or used without permission.
By accepting this Offer, you agree that you have read and understood these Terms and Conditions and agree to be bound by them. Any notice offered by us with respect to this Offer is deemed to be provided on the day it is posted on our website.

²Value of up to $2,300 is rounded down and calculated as follows: i) up to $583.30 first year value with the StartRightTM Program + ii) Up to $1,798 in Preferred Package, a registered account and Scotiabank Passport Visa Infinite welcome offer and first year point earn potential:  
 i) Value of up to $583.30 is an annual potential value for the first year based on the following benefits and savings available to StartRightTM clients as of March 3, 2026: 
•$203.40 in account fee savings for a Preferred Package chequing account ($16.95 monthly account fee waived for first 12 months); 
•$280 in fee savings when compared to in-branch Swift Wire Transfers (assumes an annual average of 7 in-branch Swift Wire Transfers at $40 per transfer); 
•$99.90 in fee savings for 10 free equity trades with iTRADE (10 free equity trades per year at $9.99/trade) Actual value will depend on individual usage of the StartRight^TM Program features and products. Conditions apply. All products and features are subject to change. 
ii) Value of up to $700 in chequing, savings and registered account welcome offers as of March 3, 2026: 

$500 for new Preferred and Ultimate Package clients who complete certain qualifying conditions. Clients who are eligible for the $500 offer can then get an extra $100 with a new Money Master Savings account and/or an extra $100 with a new eligible registered account when they complete certain qualifying transactions;  
iii) Value of up to $1,098 in Scotiabank Passport Visa Infinite Card welcome offer value, first year point earn potential and savings includes the following as of March 3, 2026: 
•$400 in travel rewards (40,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $2,000 within the first 3 months; 
•$100 in travel rewards (10,000 bonus Scene+ points) for new Scotiabank Passport Visa Infinite Card clients who spend $10,000 within the first 6 months; 
•$100 in travel rewards (10,000 bonus Scene+ points) when you spend $40,000 annually on your Account each year (12-months); 
•$134 in foreign transaction fee savings based on average annual foreign spend per account over the last 24 months (save the 2.5% foreign transaction fee markup typically charged by other card issuers); 
•$364 value with a complimentary Visa Airport Companion Program Membership that includes 6 lounge passes (based on a ‘Preferential’ membership valued at approx. CAD$364/USD$259). Currency conversion as at November 3, 2025
Actual offers and rewards earned will depend on individual card usage and eligibility for applicable offers. Conditions apply.

³Scotiabank StartRight® Program is available only for Canadian Permanent Residents from 0-5 years in Canada, International Students and Foreign Workers.

⁴ Terms and Conditions
The Scotiabank (the "Bank") Referral Rewards Program (the "Program")
For the purposes of this Program, the following definitions apply:
1. "Friend or family member" means people the Referrer has a close personal or family relationship with and who the Referrer is in regular contact with.
2. "Referrer" means an existing Scotiabank client who refers a friend or family member under the Program.
3. "Referee" means a person who does not currently have any active Scotiabank products, services or accounts and who has been referred by the Referrer under the Program
Eligibility: The Program is available only to select Scotiabank clients (Referrers) and the Referees they refer who have received an email directly from ARM Marketing Inc., on behalf of Scotiabank, inviting them to participate in the Program.
Both Referrer and Referee must be the age of majority in their jurisdiction of residence.
Referees that have been previously referred through the Program or that have unsubscribed from receiving Scotiabank emails at any time prior to being referred are not eligible to participate in the Program.
Referees of personal banking clients must not have any active Scotiabank personal banking products, services or accounts (with the exception of personal auto loans).
Referees of small business banking clients must:
•not have any Scotiabank small business banking products, services or accounts, and
•be a small business owner or operator

How to Make a Referral:
Selected Scotiabank clients (Referrers) will receive an invitation email with a personalized link to a website where they can provide the names and contact information of eligible friends or family members they wish to refer to Scotiabank.
Identified friends and family members (Referees) will then be sent a personalized email containing a unique code at the email address provided with an invitation to schedule a meeting with a Scotiabank Financial Advisor.
Referee Reward Conditions:
A digital gift card reward (the "Reward") will be given to both the Referrer and the Referee provided all conditions set out in these Terms and Conditions are met.
For both the Referrer and Referee to earn the Reward, the Referee must within 60 days of their invitation to participate being sent, complete the following actions ("All Actions"):
1. Schedule a meeting with a Scotiabank Financial Advisor
2. Attend and complete the meeting with the Scotiabank Financial Advisor
3. Provide the Scotiabank Financial Advisor with the unique code assigned to them on the original referral email they received from Scotiabank.
Upon successfully completing All Actions, both Referrer and Referee will each be sent a reward redemption email with instructions for how to redeem their respective Rewards.
By participating in this Program and accepting a Reward, the Referee understands and agrees that while the Referrer will not receive any of the Referee's confidential banking details, the Referrer will know that the Referee has successfully completed the Reward conditions (i.e. has met with a Scotiabank Financial Advisor).
Referrer and Referee will have 30 days from the date of their reward redemption email to redeem their Reward by visiting the Reward redemption website at the unique link provided in their email. After 30 days, this unique link will expire and will no longer be accessible. Once the Referrer and Referee redeem their Reward on the redemption website, they will receive another email within approximately 5 business days with a downloadable version of their selected Reward. The Reward must be downloaded within 30 days or the Reward will expire. Once downloaded, digital gift card Rewards do not expire. In those cases in which a Referrer or Referee has a unique link or downloadable Reward that has expired, they may request a new link at Scotiabank's discretion at [email protected].
Referrers may refer up to fifteen (15) eligible friends or family members, however, Rewards will only be paid to the Referrer for up to ten (10) successful eligible referrals.
Referees must complete All Actions (i.e., meet with a Scotiabank Financial Advisor) within 60 days of their invitation to participate being sent. Only the first ten (10) Referees who successfully complete All Actions will be eligible to receive a Reward.

 Limitations:
A Referee's assigned referral code is unique to them and is not transferable and may not be sold or mass distributed. Once the Referee's unique code has been submitted, it can't be reversed or cancelled. Each Referee may only use the referral code once. Referees may only receive one referral code regardless of the number of Referrers that may have referred them. If a Referee has already received a referral code from another Referrer, the Referrer will not be eligible for a Reward. This Program may only be used for personal, non-commercial purposes. The Bank reserves the right at its absolute discretion to vary, delete or add to any of these Terms and Conditions from time to time without prior notice. In the event of conflict, these Terms and Conditions will prevail over any of the contents of any brochure, promotional materials or statements, or any other communication regarding this Program, whether written or oral from the Bank, except where otherwise stated. The Bank reserves the right at its sole discretion to, without advance notice, terminate or suspend the Program, in whole or in part, or modify it in any way. The Bank reserves the right, at its sole discretion, to suspend, disqualify, limit or revoke this Program for any person it finds or believes to be manipulating or otherwise abusing the process, fairness, or integrity of the Program or otherwise becomes ineligible. Rewards earned through fraudulent activities or activities in violation of these Terms and Conditions will be null and void and repayment may be requested by Scotiabank.

By accepting this Program, you agree that you have read and understood these Terms and Conditions and agree to be bound by them. Any notice offered by us with respect to this Program is deemed to be provided on the day it is posted on our website.