My appointment was about 5 minutes in, and then we had this exchange.

Scotiabank employee: "Oh. We didn't collect your SIN number during the application".
Me: "Nope."
Employee: "Can you provide it to me?"
Me: "No, I didn't provide it during the application because it's not necessary."
Employee: "Well it's better that we have it."
Me: "I'm not giving you my SIN number."

Appointment wrapped up shortly after that, and I was on my way.

Bank called me the next day; said that employee didn't get my signature before handing me the card. Asked me to come back to the branch again just to sign for it. I said sure I'll come by some day.

I was one of the folks who signed up for the 20,000 point bonus, just before it became a 25,000 point bonus. Amex wouldn't give me a courtesy 5,000 point bump, and said I have to go into a Scotiabank branch to ask for that.

Fine. After I actually receive the 20,000 points, I'll go into a branch, and ask for those 5,000 points to be credited if they want the signature.

I might even open a Scotiabank Momentum Chequing Account with the $200 bonus, though it will cost about $70 in fees plus some hassle in setting up transactions.