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If your credit card is expiring this month, it will continue to work until the end of the month, and a new card should automatically arrive in the mail. Please be advised that we will be discontinuing the L’earn® Visa* credit card account (the “Account”) for all cardholders, effective starting in November 2023. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. " Instead, opt for distinct words or phrases that use a combination of numbers and letters. The premium you pay for this type of insurance is based on how much you owe on your credit card, and the type of coverage you have. , June 3, 2020 – In its ongoing commitment to helping AAA Members prevent, prepare for and recover from life’s uncertainties, CSAA Insurance Group, a AAA insurer, is providing approximately $37 million in additional refunds to auto policyholders – complementing the approximately $100 million in refunds announced in. 09 per $100 of Your Account Balance and for Basic Protection the monthly premium rate is $0. In general, credit card fraud is investigated federally by the RCMP and Canadian Security Intelligence Service (CSIS). There are a couple of reasons for this. 10 (3 times their SMI. When your coverage endsI'm getting a fee tacked on to my credit card every month from Scotiabank. 1. I'm getting a fee tacked on to my credit card every month from Scotiabank. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is asView Canada Scotiabank. S. Foreign transaction fee. a^I%7B9xB. SPECIAL OFFER. By phone. 22. Mortgages. Premiums are conveniently billed monthly, directly to your Scotiabank Credit Card account. M. • Simplicité. 30 (Pam’s premium) = $31. Your Account balance is insured for up to $50,000, however, premiums are only calculated up to a maximum of $25,000. If you do not have these statements, copies can be requested through your local Scotiabank branch or Scotiabank VISA Centre. Life Protection: The cost for single Life Protection is $0. Day-to-day Offset # of Days Daily Premium Course ($1. SCOTIA LINE OF CREDIT PROTECTION | PRCT UMMAR ACT T 10 11 For Critical Illness Insurance your coverage will also end on: › The date you turn 65 years old › The date your critical illness claim is approved For Disability Insurance your coverage will also end: › The date you turn 70 years old › The date you reach the maximum lifetime disability benefit ofLa Protection Carte de crédit Scotia vous offre : • Protection. Get adenine quotation for Borrow Card Insurance Now!Renewal ScotiaCard TM Visa® Debit. For more information on your Scotia Rewards points, and to sign-up for email offers, visit or call 1-800-665-2582. The subject line of your email must state. One high-interest savings account. Credit Cards. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. this Certificate as Scotia Line of Credit Protection. Get a quote for Credit Maps Insurance Today!Scotiabank American Express® Card (for students) Earn up to 3X the Scene+TM points on every $1 you spend on eligible grocery, dining, and entertainment purchases. Wix offers five paid plans to accommodate all its various users. D. If post-secondary is part of your future plans, there are many ways to fund your education, including RESPs, student loans, lines of credit and scholarships. basketball spelling words; poster making synonyms; sheet metal spot welderIf the refund request is made within 14 business days of the date your Scotia Investment Account was opened, you will be refunded $185 CAD of your $200 CAD Scotiabank administration fee in addition to the full amount of your funds transferred (principal plus any accumulated interest). Buy Financial Map Balance Protection Insurance for Pecuniary Stability by you and your family in unexpected events. All coverage is subject to the terms and conditions outlined in the certificate of insurance which you will receive upon. Optional Scotia Credit Card Protection insurance. It's also good practice to avoid using the same passwords for all your logins. 02 (David’s premium) + $3. 70 for SMI. 00) Fast Card fee 4. Buying Credit My Balance Protecting Insurance for Financial Stability to you and owner family in unexpected events. . The premium rate for coverage under Scotia Credit Card Protection is $1. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. Call or visit your Scotiabank Premium Banking Centre to learn more or to sign up. spokane valley residential parking laws. Scotia Line of Credit Protection: Life, Critical Illness, Disability, and Job Loss coverage. Scheduled Monthly Payment: $21,247. More Details ,. Chubb. Scene+ Customer Service: 1-866-586-2805. If you have any questions, please contact the Insurance Canada Service Centre (ICSC) at 1-855-753-4272 Monday-Friday 8am-8pm (ET), and one of our Customer Service Representatives would. Your Account balance is insured for up to $50,000, however, premiums. 03. You acknowledge that if you request a refund of your wire (a minimum of $10,200 CAD), your request will cancel your enrollment into the Student GIC program and will close your Scotia Investment account. Earn 1% cash back on all eligible gas station, grocery store, drug store purchases and recurring payments. 7092 F +1. After the Deferred Interest Amount is been paid off, (starting January 2023), your scheduled payment will revert to $21,247. scotia credit menu conservation claim form. 49 per $100 of Your Average Daily Balance for the remainder of Your coverage period. Mail Escalated Customer Concerns Office 44 King St West, Toronto, Ontario M5H 1H1. P. If you choose to defer payments, interest will continue to accrue; however, this could allow you the option to use your tax return once. Change effective. 1 No annual fee in the first year, including on additional cards. Earn 2X the Scene+™ points for every $1 you spend on all your eligible purchases 1. SCOTIA LINE OF CREDIT PROTECTION | PRC UMMAR AC 10 11 For Life Insurance, your coverage will also end on the earliest of: › The date you turn 75 years old › The date your life claim is approved For Critical Illness Insurance your coverage will also end on the earliest of: › The date you turn 70 years old › The date your critical illness claim is approvedWith Comprehensive Protection, your business can receive the following benefits: Life insurance benefits of up to $2,000,000 if an insured employee passes away; Disability benefit paid monthly and equal to 1% 1 of the Comprehensive coverage amount if an insured person becomes disabled; Hospitalization benefit equal to 2% 2 of the Comprehensive. • For Comprehensive Protection the monthly premium rate is $1. Entering and Transmitting a Stop Payment Order. [2310P] Created Date: 3/17/2022 1:18:45 PMProtection Carte de crédit Scotia Attestation d’assurance À conserver en lieu sûr. So I have SCCP on my credit card and a balance of just under 2000$. Request a refund. Savings and Investments at Scotiabank. P. Help Centre - credit cards FAQs; Digital banking guide - credit cards;. 800. 35 (+ taxes and processing fees) Fly within the Caribbean with just 25,000 ScotiaPoints (covers ticket prices up to USD $565) Visit Miami, Orlando, Fort Lauderdale & New York with 25,000 ScotiaPoints (covers ticket prices up to USD $565) Catch a flight from the Caribbean to Central and South America with 50,000. Rarely is it required to take action to get a new card, but if it does not arrive in the mail, call your credit. These accounts allow you to: Enjoy an unlimited number of transactions 3 on your transactional and savings accounts. 10%. This bulletin contains two main sections. At no additional cost, coverage is extended to cover an eligible co-borrower on your insured credit card account. The cancellation request is subject to the following conditions: If the refund request is made within 14 business days of the date your Scotia. Daily Premium Rate ($1. Keep your online passwords secret. Comprehensive Protection Insurance Premium Calculation Example: Your premium is calculated based on your Daily Balance. P. 00 $2. Build a plan for your future with Scotiabank. If I have Scotia Visa Balance Protection or Scotia Credit Card Protection insurance on my credit card, does having a Scotia SelectPay Installment Plan affect my claim benefit? No, having an installment plan does not affect your creditor insurance claim benefit. More reasons to enrol. 40 SUB-TOTAL CREDITS SUB-TOTAL DEBITS $0. Help yourself to learn more about Loan & Credit Insurance in Canada and find what's the right fit for you. Ghosting on your bill can result in late fees between $25-40 depending on your credit card issuer. 99% on Cash Advances Cash Advances include Balance Transfers,. The consumer is charged a monthly premium or fee, the cost of which is calculated pursuant to a rate formula based upon the outstanding balance on the credit card monthly account statement. fee of $5. In 2020, it will cost ratepayers $144 million. Optional Scotia Credit Card Protection insurance. 99% on purchases. You can find more detailed information in the Fund's simplified prospectus. 99% 26. You can’t afford the premiums. Scotia Credit Card Cheque fee. 13 (GCT) Cost for both Credit Bureau Reports. Below average in customer satisfaction: Scotiabank ranks 7th out of 13 banks in J. Continue to enjoy all your. Scotiabank® Scene+™ Visa* Card activated by May 1, 2023 to avoid any service disruption on auto-switching by contacting before May 1, 2023 if you can. Monthy Minimum Balance Requirement. October 1, 2023. 5% on foreign transaction fees 7∆. Get a quote for Credit Card General Now!After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. It will let Canadian residents put up to $8,000 per year. TORONTO, Aug. This includes benefits for an eligible Co-Borrower on your Scotiabank credit card account, at no additional charge. How do I cancel my Pre-authorized Contribution (PAC)? - Scotiabank Help Centre. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. Premium Solutions with preferred products Credit card insurance is a product thatbanks marketas a way to help with credit card payments if customers losetheir jobs or getsick. $1. - 8:00 p. Premium on Total Loan Amount (from the table above): 3. Annual fee: $0. Thankfully, at most banks you can eliminate this fee by maintaining a minimum balance in the account, generally around $5,000. GC: $150. Get a quote for Credit Card Insurance Today!SCCP CERT English 1471414 10 18Sample. As a Premium Seating client, you and your guests can expect to receive high-quality food and . With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. indd 2 7/3/20 9:58 AM. Features: Free Lost Baggage General for up to $1,500 USD. Two free teller transactions per month 5. La Protection Carte de crédit Scotia vous offre : • Protection. 3 hours ago · 1150 Sugg Pkwy Greenville, NC 27834 Main Phone: 252-329-9500 Customer Care Phone: 252-329-9505Insurers may refund premium without prior approval by the Department of Insurance if they apply a uniform premium reduction for all policyholders in an individual line of insurance, for recent, current, and upcoming policy periods or any portion thereof. Earn 20% cash back* on household bills with free chequing + $150 GeniusCash (BC residents only) Pay no bank or transaction fees and get access to physical branches. You. Credit Card Protection Insurance Canada | Scotland Insurance SCOTIA CREDIT CARD PROTECTION HOSPITALIZATION CLAIM 1. 32 + sales tax, where applicable. Scotiabank Gilt Visa. WALNUT CREEK, Calif. They maintain a disciplined approach to fixed income investing that focuses on credit quality, duration and the interest rate cycle. New Scheduled Monthly Payment: $21,476. Other Definitions that you should know: Cardmember or Scotia Rewards. , Allstate was the first major auto insurer to announce it was issuing refunds to drivers. 21 CLAIM INFORMATION Full Name: Phone #: Scotia Credit Card Protection: Monday-Friday 8:00am-8:00pm ET: 1-855-753-4272:. Use Fill to complete blank online OTHERS pdf forms for free. With no Coverage for Pre-Existing Conditions. The two exceptions are the Scotia U. pdf from FINA 4350 at University of Houston. This means that your employer deducted 4. In August 2014, the state of residence determines that Mr. Scotia Momentum ® Visa* Card (for students) Main features and perks. Mary's insurance premium for the July billing wheel is $7. If you do not have these statements, copies can be requested through your local Scotiabank branch or Scotiabank VISA Centre. 1-855-753-4272. If a refund request is granted, we'll remove access to your Premium membership and your money will be returned within the refund timelines listed here. The cancellation request is subject to the following conditions: If the refund request is made within 14 business days of the date your Scotia. Buy Credit Card Balance Protection Social for Financial Stability for you and your family in unexpected events. If the premium has not been paid within that period, your coverage is automatically cancelled. A Kohl’s rebate form is available if you bought Toastmaster electrics between November 21 and November 26. Scotiabank says talk to Visa. You’ll have to call Scotiabank to request card cancellation at 1-866-267-4935. Book an appointment. When a LIM receives an SCCP message that is destined for the EAGLE, it sends the message to the service. Post in Question - Removeddit If Scotiabank or the Insurer terminates the Group Policy, written notice of such termination will be mailed to You 60 days in advance of the termination date. With Google Play billing, you won’t be able to pause your membership. Unusual Settlement Obligations SCCP sets the threshold to determine unusual settlement obligations based on the behavior of each Clearing Member's settlement activities during the immediately preceding six (6) months (most recent). 221. Yo u are neve r re quire d to purc hase insuranc e: Ev that is of fered by your distributor; pe from a person who is asWith Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. Mar 13, 2021 - Apr 14 Statement Period Apr 14, 2021 Statement date 3792 400239 17011 Account # Page #32 - 850 SADDLETOWNE CIRCLE. Nova Scotia Customers who unknowingly paid used credit mapping insurance frustrated coffers won't exhibit confirmation they signed up While some Canadians have since successful in getting refunds from his banks fork insurance they unknowingly what paying for on their credit cards, others have been offered a partial refund, despite. com. A better way to save euros. Low Trustpilot rating: Scotiabank scored 1. 608. Nova Scotia Customers who unknown paid for credit card insurance freaked banks won't show proof they signed up While some Canadian have been proven in getting refunds from their banks for insurance it unknowingly were paying for on their credit cards, others have being offered a partial return, despite a lack of proof the ever concurred to the. Get a quote for Credit Card Insurance Today!Buy Loan Card Balance Protection Assurance by Financial Stability for you and your family on unexpected special. Access eStatements. Manulife Travel Insurance benefits are designed to give you a simple way to help protect yourself against unexpected expenses associated with Trip Cancellations, Interruptions, Emergency Medical costs and more. ago. ® Scotiabankcom Surprisingly Simple Insurance Scotia Credit Card Protection Certificate of Insurance Please keep in a safe place SA MP LE ® Scotiabankcom Surprisingly Simple… Log in Upload File. 416. From the Services menu, select Stop Payments then click Stop Payments Request to access the Stop Payments screen. The insurance can be connected to different types of loans, like those related to your mortgage, car and business loan. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. For example, You and Your mean the . 3. Monthly Installment of Deferred Interest Amount: $229. Mr. For RESPs, RRSPs, spousal RSPs, savings, and joint accounts, visit a branch. This type of refund can be given for a number of different types of insurance, including car insurance, health insurance, life insurance, or private mortgage insurance. Mary is one primary credit card holder under the age of 70 plus is enrolled in Scotia Credit Card Protection insurance. Builder I’m may be buying a home from is telling me to go through their bank mortgage advisor, who’s offering 2. Hollenberg President Chubb Life Insurance Company Fact sheet. 21 INFORMATION ABOUT THE DECEASED Scotia. Buy Borrow Card Balance Protection Insurance for Pecuniary Stability for you and my family in unverhofft events. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. Charges vary between accounts. Continue to earn and enjoy your credit card benefits like your rewards, cash back, and insurance coverage. Premium TH Series units) Scotia Private U. Monitor your investments digitally with. Start off with aStart off with an up to $400 welcome bonus , then get a free premium credit card (worth up to $150), free cheques and drafts, a free safety deposit box, 10 free equity trades. Ensure that you have the most recent version of the form. Request a refund for a YouTube Premium membership. For Comprehensive. 27, 2021, Ms. The Bank of Nova Scotia c/o 100 Yonge Street, Suite 400 Toronto, Ontario M5H 1H1. Scotia Credit Card Protection insurance; Scotia Plan Loan Life & Disability Protection insurance; Scotia Business Loan Protection insurance; Scotia Loan Protection insurance;. March 2, 2022. Important notice of change: Your L’earn® Visa* Card will be replaced with the Scotia Momentum® No-Fee Visa* Card, effective starting in November 2023. These amounts will be added to your overall balance owing. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. 1. If you wish to submit a claim for your Line of Credit account, please contact Scotiabank at 1-855-753-4272. 668. 2. For starters, cancelling over the phone may be a more secure way to ensure that the registered cardholder is cancelling the account. As part of signing up, you can earn 20% cash back on your household bills, up to a maximum of $450. 00. 40 SUB-TOTAL CREDITS SUB-TOTAL DEBITS $0. Based on the three categories – here is how you can do the math: For homes priced $500,000 or less: You need to take your purchase price and multiple it by 5% to get your down payment. Based on these numbers, the premium payable would be: premium on total loan amount x mortgage loan amount = 3. While some Canadians have come successful in getting refunds from their banks for insurance they unknowingly were paying for at you credit cards, others have been offered a partial refund, despit a lack are proof they ever agreed to the coverage. If You and the Co-borrower on the insured Account both die or are both diagnosed with a Critical Illness within 30 days of each other, and a death benefit or Critical Illness benefitWelcome to. Cash advance fee. 89 per $100 of Your Account Balance until Your Hi folks. Scotia Credit Card Protection is a group insurance plan (“Group Policy”) issued to The Bank of Nova. Premium bank accounts come with high fees, around $30/month. Such refunds shall be accounted for as immediate adjustments to premium. ˜e Bank of Nova Scotia (Scotiabank) ˜e Canada Life Assurance Company (Canada Life) Scotia Line of Credit Protection LE T’ S TA LK INSU RA NC E! IT ’S YO UR CHOIC E Yo u ar e neve r re quir ed to purc hase insuranc e: that is of fere d by your distributo r; from a person who is assigned to yo u; or Ev en if you are required to be insured. Choose the amount of emergency medical insurance you need, up to $150,000 CDN, if age 69 or less 3. Earn an additional 0. . For the month of July, Mary got the folowing balances over 31 days. 20%: 25. 1. This site is used jointly by Manulife and FNAIC to provide you with product summaries and certificates for your credit card benefits. 95 per $100 of Your Average Daily Balance. Purchase Credits Board Credit Protection Insurance for Financial Stability for you plus your family in unexpected events. 1. Nova Scotia Customers who unknown paid for credit card insurance freaked banks won't show proof they signed up. com. 23 hours ago · Sam, the Maynard Children's Hospital's new full-time facility dog, poses for a photo at the hospital on Tuesday. 12-month installment plan 3. Si certains événements de la vie ou des problèmes de santé se produisent, la Protection Carte de crédit Scotia peut rembourser jusqu’à 50 000 $ du solde de votre carte de crédit. Unlimited debit transactions 3, Interac e-Transfer † transactions, and Scotia International Money Transfers ±. Enjoy international purchasing power and avoid the worry of carrying cash with Scotiabank's suite of credit card products. on a $500,000 home: $500,000 x 5% = $25,000. We offer a range of affordable optional creditor protection coverage for Scotiabank credit products:Scotia Mortgage Protection: Life, Critical Illness, and Disability coverage. 00 002 Apr-14 Apr-14 ANNUAL FEE 39. 003. ABM - Automated banking machine. Scotiabank offers several HISAs , including the Momentum PLUS Savings Account , which allows you to save for multiple goals conveniently in one account by providing a choice of multiple Premium Periods 3 at any one time (90 days, 180 days, 270 days, or 360 days) – the longer the Premium Period (or time your money remains in the. Protection for the important things in life. Use your Wells Fargo username and password. 735. pdf from GNED 127 at Centennial College. Apr 14. Accordingly, if the incorrect refund does not exceed 3 months of SMI premiums, no recovery action should be taken under HI 01001. It can help you pay off your outstanding credit or loan balances or cover payments for a period of time if an unexpected life event happens, such as a critical illness, becoming disabled, or passing. Ensure that the file is readable. Today we are talking about How to Apply Gic Scotibank Refund application Online. The person says that SelectPay doesn't give any credit back when enrolled, basically what it does is pushes the amount due to X # of months, which means you will have more time to pay your transaction but your available credit will remain affected, meaning even if you registered. Provide an explanation, ensure that the. Scotia SelectPay - Installment payment plans; Resources. USD $419. An insurance company will typically never. Scotia Travel Insurance offers a COVID-19 Pandemic Travel Plan, which offers coverage in the event of quarantine. ATM Networking Fees (LINX) Free for Scotiabank ATMs. Apr 13. Open a new Scotia Momentum® Visa Infinite* credit card account by October 31, 2023 to qualify. So I made a purchase from a third party seller on Amazon and never received the product. 99% on Purchases 22. In Person – Make an Appointment at a Branch – Find a Branch. 09 per $100 of Your Daily Balance until your 70th birthday, and $0. 15. View Credit Card Insurance Application(1). - 9:00 p. You also won’t be charged again unless you decide to renew your membership. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive within 30 days once your Scotia Credit Card Protection application has been approved. To be eligible for Job Loss coverage, you must be: A Permanent Employee and you must NOT be a Seasonal Employee. However, unlike many savings account, GICs are not meant to be touched for a set amount of time. Au moyen d’une demande facile, vous obtenez une protection financière. 5% and 3% when you use them overseas, say on a vacation in Europe or during your semester abroad. $0 - $350,000. cat rp5500 generator oil type; prepare benzoic acid from benzaldehyde practical. If you decide our credit card insurance is not right for you, cancel within 30 days to receive a full refund of any premium paid. Daily Balance. Send this Refund Application to Scotiabank by using Scotiabank Secure Email Service. Scan this Refund Application and all supporting documents in a single PDF file. Kris Holmberg is disgruntled RBC wouldn't initially refund him many off dollars spent on financial card insurance he replies he didn't signs up for, even though the bank won't provide proof that he did. 19. You have been pre-approved for a Scotiabank®* American Express® account on the basis of your Scotiabank financial information and other credit information. Scotia® SCCP CERT English 1471414 10 18Sample. Frequently asked questions; Program tips; Advice+; Calculate your rewards15 hours ago · Despite the internet making Black Friday more comfortable and manageable, shoppers outside of Cabela’s — one of Owatonna’s last remaining doorbuster retail sites — waited in frigid. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your. Flexible payment options. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. Everyday banking is easy online: Pay bills, check your balance and account history, transfer money between accounts and more. 49 per $100 of Your Average Daily Balance for the remainder of Your coverage period. For the year of July, Mary has the folowing balances through 31 days. For the month of Julia, Mary has the folowing balances over 31 days. While some Canucks have been flourishing in getting refunds from their banks for general they unknowingly were paying since on their credit cards, others have been offered an partial refund, for a lack of proof they ever concurred to the coverage. Performance Evaluation THAT the parties hereby agree that the Government shall monitor the performance of the Insurance Company based on the defined parameters and impose. EXAMPLE: premium refund resulting from retroactive payment of premiums by a third party payer: Mr. 221. GIC terms range from 30 days to 10 years, so you can. Stick to the step-by-step guidelines listed below to electronically sign your scotia bank gic refund request: Find the document you would like to eSign and click Upload. A longer Premium Period earns a higher Premium Period Interest. Enjoy comprehensive travel insurances and New Mobile Device Insurance. m. Popular questions. For example, South Christian Elementary recently. Dance was eligible for State Buy-in effective. $110 /year. CREDIT VOUCHER/RETURN SCOTIAREWARDSBYOTE MISSISSAUGA ON ANNUAL FEE. Subject: Aria Keywords: Aria,1832 Asset Management L. Nova Scotia Customers whom unknowingly paid for credit card insurance frustrated banks won't show proof they signed up While some Canadians have been successful in einnahme rewards from their coffers for financial it unknowingly were payers for on their trust cards, others have be offered a partial refund, despite a lack of proof. Get a quote for Credit Card Insurance Today!Buy Credits Card Balance Protection Insurance for Financial Balance for her and your family in unexpected events. 50 + $172. Special meetings of select ScotiaFunds (each, a Special Meeting), will be held virtually on or about October 28,. Need help signing in?The Bank of Nova Scotia In this Certificate of Insurance (“Certificate”) and Your Schedule of Coverage certain words have specific and defined meanings. Subject: Aria Keywords: Aria,1832 Asset Management L. For answers, check out our FAQs. If you do not have these statements, copies can be requested through your local Scotiabank branch or Scotiabank VISA Centre. Scotia Insurance Agent Limited the a licensed agent of Island Heritage Insurance and. Find out how our banking packages can reward you. Earn even more interest1 when you open and fund a Premium Period (s)2. You acknowledge that if you request a refund of your wire (a minimum of $10,200 CAD), your request will cancel your enrollment into the Student GIC program and will close your Scotia Investment account. 2,‡. 001 Jan 17 Jan 17 SCOTIA SCCP PREMIUM 2. Dance passes away on May 10, 2014. Features: Free Lost Baggage General for up to $1,500. Scotia Credit Card Protection insurance; Security and fraud; Tools.