“Open a FHSA and you could win $8,000”
1. THE CONTEST
National Bank of Canada is the organizer of the “Open a FHSA and you
could win $8,000" contest. The contest is held in Canada from
April 17, 2023, to July 31, 2023, at 11:59 p.m. ET.
2. WHO CAN PARTICIPATE
You can enter the contest if:
This contest is not open to employees of National Bank of Canada,
mandataries, or representatives of the Contest Organizer or its
subsidiaries, advertising and promotion agencies, suppliers of prizes
and services related to this contest, members of their respective
immediate family (siblings, children, parents), common-law or legal
spouses or any persons residing with these employees, mandataries, or representatives.
3. HOW TO ENTER
During the contest period, you can enter the contest in either of
the following ways:
3.1. By opening a FHSA with National Bank
3.1.1 You can obtain one (1) contest entry by opening a FHSA offered
by National Bank of Canada during the contest period, from April 17,
2023 to July 31, 2023, regardless of the number of single
Subject to your compliance with these contest rules, we will use
your personal information (first and last name, telephone number
[including area code], street address [including postal code] and
email address). This information will be entered in the database used
for the contest in order to grant you a contest entry.
3.2. No purchase necessary
You may enter the contest without making a single contribution or
setting up a recurring contribution.
To enter the contest this way, you must:
Send us an email of at least 50 words explaining why you would like
to win $8,000.
Include the following personal information: your first and last
name, age, full street address (including postal code), phone number
(including area code), and email address.
Send your email no later than July 31, 2023. Your email must be sent
In the subject line of the email, write “Open a FHSA and you could
win $8,000” contest
When we receive your email with all the required information, we
will enter the personal information you provided to us (first and last
name, telephone number [including area code], street address
[including postal code], and email address) in the database we use for
the contest. You will obtain a maximum of one (1) contest entry.
The entries thus obtained are subject to the same eligibility
criteria applicable as those obtained by making a single contribution online.
4. CONTEST ENTRY LIMITS
By opening a FHSA (3.1) there is a limit of one (1) contest entry
per person, during the contest period. By entering without a purchase
(3.2), there is a limit of one (1) contest entry per person, during
the contest period.
A total of one (1) prize of CDN $8,000 is available to be won during
If you are one of our clients, we will award you the prize in the
form of a deposit to your National Bank of Canada bank account. The
prize cannot be deposited to a joint account, a FHSA, a TFSA, a RESP
or a RRSP. You can then transfer the prize amount to your FHSA subsequently.
If you do not have a bank account with National Bank of Canada when
the prize is awarded, you will receive the prize in the form of a
cheque in your name.
The draw will be held on November 1, 2023, at 11:00 a.m., at our
offices located at:
National Bank of Canada
600 De La Gauchetière West, 19th Floor
Montreal, Quebec H3B 4L2
We will randomly draw one (1) eligible entry. The draw will be held
from all eligible entries received and registered during the contest period.
7. ODDS OF WINNING
The odds that your entry will be randomly selected depend on the
number of eligible entries received and registered during the contest period.
8. CONDITIONS FOR PARTICIPANTS SELECTED
8.1. Your contest entry may be selected during the draw. However,
before being declared a winner, you must:
Be contacted by us within 5 days of the draw.
Correctly answer a timed, mathematical skill-testing question
without assistance. We will ask you this question over the phone at a
time agreed upon in advance.
Complete and return the declaration and liability waiver form within
5 days of receiving it from us.
8.2. By signing the waiver, you agree to the following:
- The prize will be as it is described in these contest rules.
- You cannot transfer the prize to another person or replace it with
- We have permission to use your full name, photograph, image,
statements about the prize, place of residence, or voice for publicity
purposes. You will not be compensated for the use of any of these.
We are not liable for any damage you may incur as result of the
acceptance or use of your prize, in particular any tax impact. You
also release our subsidiaries, advertising and promotional agencies,
suppliers of materials and services related to this contest, as well
as their employees, agents, and representatives from any liability.
8.3. Within ten (10) days of receiving your declaration form, we
will contact you again with information about how you will receive
8.4. If you do not meet these conditions, or any other condition
outlined in the contest rules, you will be disqualified. If time
permits, we may select another eligible entry until a winner is
declared. Unclaimed prizes may be withdrawn.
9. CONDITIONS FOR ALL PARTICIPANTS
9.1. For residents of Quebec, all our decisions regarding this
contest are final and without appeal, subject to any decision by the
Régie des alcools, des courses et des jeux du Québec on any matter
over which it has jurisdiction.
9.2. You also release our subsidiaries, advertising and promotional
agencies, suppliers of materials and services related to this contest,
as well as our employees, agents, and representatives from any
liability related to:
Your entry or attempted entry in the contest.
Damage caused by downloading a webpage or software and
transmission of information for the purposes of entering the
Any inability or limited ability to enter the contest due to a
malfunction of any computer hardware, software, or communication
line, a loss or absence of a network communication, or any faulty,
incomplete, incomprehensible, or deleted transmission by a
computer or network.
9.3. We in no way guarantee that the contest website will be
accessible or functional without interruption during the entire
contest period or that it will be free of error.
9.4. During the contest period, our computer system may not be able
to register all entries submitted. The winner will be selected from
entries that were registered only. Entry in the contest may be ended
prior to the date set out in these contest rules. In this case, a
winner can be selected from the entries received and registered prior
to the date of the event that ended participation in the contest.
9.5. No-purchase write-in entries and waiver forms are our property.
They will not be returned to you.
9.6. We will not contact you about the contest except as described
in the contest rules or at our discretion.
9.7. For residents of Quebec, any dispute with respect to the
conduct or organization of a publicity contest may be submitted to the
Régie des alcools, des courses et des jeux du Québec for a ruling. Any
dispute with respect to the awarding of a prize may be submitted to
the Régie solely for the purpose of helping the parties reach a settlement.
9.8. Some of your personal information will be used for the purposes
of the contest.
By entering the contest, you agree to the use of your personal
information at the time you enter the contest or receive a prize.
10. OUR RECOURSE
10.1. We may verify eligible entries, write-in entries, and waivers.
We may reject entries, no-purchase write-in entries, and waivers if
incomplete, fraudulent, late, or for any other reason. Rejected
entries and waivers are not valid entries and do not entitle
participants to a prize.
10.2. We reserve the right to disqualify or cancel any of your
entries if you participate or attempt to participate in a manner
contrary to these contest rules or that is unfair to the other
participants (e.g., hacking, submitting more entries than the
permitted number, etc.). We may forward your case to the competent
10.3. Any attempt to deliberately sabotage any website related to
the contest or to hamper the legitimate conduct of the contest is a
violation of civil and criminal law. In the event of such an attempt,
we reserve the right to reject your entry and seek recourse under the law.
10.4. Subject to approval, if required, from the Régie des alcools,
des courses et des jeux du Québec, for residents of Quebec, we always
reserve the right, at our sole discretion, to cancel, terminate,
modify, or suspend this contest, in whole or in part, if any event or
human intervention occurs that could corrupt or affect the
administration, security, impartiality, or conduct of the contest.
Under no circumstances will we be required to award more prizes than
provided or to award prizes other than set out in these rules.
11. INTERPRETATION OF THE CONTEST RULES
11.1. The participant is defined by these rules as the person
identified when the FHSA account opening is made or in the
participation email without purchase, as applicable. The prize will be
awarded to that person if they are selected and declared a winner.
11.2. If one of the provisions of these rules were to be declared
unlawful, inapplicable, or invalid by a court of competent
jurisdiction, this provision will be deemed invalid. However, the
provisions that are unaffected by this judgment will remain in effect.
11.3. In the case of discrepancies between the English and French
versions of the contest rules, the French version will be considered correct.