40 SUB-TOTAL CREDITS SUB-TOTAL DEBITS $0. For example, You and Your mean the . 00 003 Apr. SCCP. Adjustable Premium – An adjustable premium is a premium that can be adjusted over. Primary Insured as named on the Schedule of Coverage, the Insurer means Chubb Life Insurance Company of Canada and Scotiabank means The Bank of Nova. Nova Scotia Power: NSP: Needle/Syringe Program: NSP: Native Signal Processing: NSP: National Solidarity Party (Singapore) NSP:. Step 1: Find out the total amount of daily balances Scotia Mortgage Protection is underwritten by The Canada Life Assurance Company under a group policy issued to the Bank of Nova Scotia. After August 31, 2020, you only earn 1. Help Centre - credit cards FAQs; Digital banking guide - credit cards. 1 (855)753-4272. Scotia Aria Conservative Pay Portfolio. No premium will be charged if your previous month's statement balance was zero. 98% of its value, which equals $19. 99% cash advances. Scotiabank®* Gold American Express® Card. Scotia Credit Card Protection insurance; Security and fraud; Tools. SSCP wins on content depth. 600% 1. And Scotiabank is big, with over 900 locations in Canada, $1,184. However you will keep your Health Care Card if you have one. Annual fee: $0; Interest rate: 20. Ottawa, Ontario K1G 0Z7 Tel: (613) 237-1590 Fax: (613) 237-5508 Toll free: (844) 237-1590Scotia Aria Moderate Defend Portfolio - Premium TH Series 2. You can find more detailed information in the Fund's simplified prospectus. 5% to 3%, on purchases made abroad and at foreign merchants. SCCP. The source address is named the calling party address, and the destination is called the Called Party address. Looking for online definition of NSP or what NSP stands for? NSP is listed in the World's most authoritative dictionary of abbreviations and acronyms. com. Daily Premium Rate ($1. What is Credit Card Insurance? Some credit cards come with one or more type of insurance embedded in the card. Plus, get rewarded and earn SCENE points or Scotia Rewards on all of your debit purchases. This optional insurance 1 coverage can pay off your outstanding account balance or help cover your monthly credit card payments as a result of certain unexpected events that may have significant financial impact, such as: With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. 10. As a Scotiabank Premium Banking client, your exclusive privileges include an annual Priority Pass membership † which gives you access to more than 600 Priority Pass airport lounges worldwide. To be eligible for Job Loss coverage, you must be: A Permanent Employee and you must NOT be a Seasonal Employee. scotiafunds. 21 CLAIM INFORMATION Full Name: Phone #:View Credit Card Insurance Application(1). ii. 400% 3. Bank how and when you want. Post in Question - RemovedditPL E Scotia Credit Card Protection M Certificate of Insurance SA Please keep in a safe place. 1. 32 + sales tax, where applicable. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. Quotidian Premium Rate ($1. 80 for every $1,000 i nvested. m. For example, You and Your mean the . In this document, we, us, our and the Manager refers to Scotia Asset Management L. Your Account balance is insured for up to $50,000, however, premiums. GIC terms range from 30 days to 10 years, so you can. Earn up to $360 * in welcome bonus value and Scotia iTRADE savings when you bundle your banking. Scotiabank Platinum American Express ® Card. Set up 2 eligible separate recurring pre-authorized transactions, like a mortgage. To cancel your plan: • Select your eligible credit card and tap the Scotia SelectPay icon • Select the My plans tab and the installment plan you want to cancel • Tap __Review & cancel __Allow 1 to 3 business days for us to complete the processing. For example, say your total STEP limit is 300,000 and you have a mortgage for 250,000 and a LOC for 50,000, as your mortgage balance decreases (say to. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a group policy issued to the Bank of Nova Scotia. 1685 E SCCPClaims@umu. Everyday banking is easy online: Pay bills, check your balance and account history, transfer money between accounts and more. 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 as signed to yo u; or en if you are required to be insured,When I signed up for my credit card 5 years ago as an international student, my bank put that shitty Payment Premium Protector bullshit on there. Earn a savings rate of up to 5. Debit Cards details. This means your average balance is just over $1000, and you're basically paying an extra 12% a year of 'insurance'. As of December 31, 2022, Premium Series units of the Fund's expenses were 1. The three types of support budgets that the NDIS may fund in your plan: a Core Supports budget, a Capacity Building Supports budget and a Capital Supports budget. This becomes the basis for establishing a separate normal limit for cash and securities obligations. Interest rates: 20. 85% to 1. 1. Scotia Creditor Insurance. Say you signed up for credit card balance insurance. For example, You and Your mean the Insured as named on the Schedule of Coverage, the Insurer means The Canada Life Assurance Company and Scotiabank means The Bank of Nova Scotia. The Bank of Nova Scotia In this Certificate of Insurance (“Certificate”) and Your Schedule of Coverage certain words have specific and defined meanings. Save money on interest by consolidating higher interest debts. the average chlorine content ranges from approximately 40 to 70 percent with the limiting molecular formulas set at C. “Spend Bonus Period” refers to the period in which the. 10% interest on your Momentum PLUS Savings Account 7. This is a very close one to call; not least because the two exams are aimed at different audiences. Geting an quote for Recognition Card Insurance Today!Scotiabank Premium Banking - Trinidad and Tobago Your Premium Banking package includes 4 lounge access visits per year. 12-month installment plan 3. To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening. Mail Escalated Customer Concerns Office The premium rate for coverage under Scotia Credit Card Protection is $0. Information is provided in respect to legal notices and terms for Scotiabank and its affiliates. How your premiums are calculated. ; Within two months complete two of the following: i. Welcome to. indd 2 7/3/20 9:58 AM. Enjoy international purchasing power and avoid the worry of carrying cash with Scotiabank's suite of credit card products. 95 per $100 of Average Daily Balance. T his document contains key information you should know about Scotia Aria Progressive Build Portfolio (the "Fund"). Scotia Momentum® Visa Infinite* Card. For Comprehensive or Basic coverage. We offer a range of affordable optional creditor protection coverage for Scotiabank credit products:Scotia Mortgage Protection: Life, Critical Illness, and Disability coverage. $5. Earn points on everyday purchases with the Scene+ TM program 3. 40 Bay Street Toronto, ON M5J 2L2. Scotia Aria Moderate Defend Portfolio - Premium T Series 2. Nova Scotia Power: NSP: Not Separately Priced: NSP: Network Service Part (SS7 SCCP) NSP: Native Signal Processing: NSP: National Solidarity Party (Singapore) NSP: Newborn Screening Program (various locations) NSP: Navigation Systems Panel (ICAO) NSP: Northeast Sailplane Products (Vermont) NSP: Net Single Premium (insurance) NSP:. Box 1097, Station BProtection Carte de crédit Scotia Attestation d’assurance À conserver en lieu sûr. You get a promo rate of 1. They affect you because they reduce the returns of the Premium Series units of the Fund. March 2, 2022. installment plan and a low fee 2. la couverture de base, qui comprend les assurances vie, maladies graves® 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. 49 per $100 of Your Daily Balance for. A copy of the Scotia Credit. , withdrawal, deposit, transfer). Hamilton, Ontario. Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). at 1-800-268-9269. 92. Enjoy a 12-month grace period after graduation on repayment of the principal amount borrowed. This includes benefits for an eligible Co-Borrower on your Scotiabank credit card account, at no additional charge. 40% (the “Bonus Rate”) will apply to deposits made to the Account for 3 months (90 days) from the date the Account was opened (the “Bonus Rate Period”). Any individual chemical meeting this definition is considered an SCCP and is covered by this action plan. pdf from GNED 127 at Centennial College. Sign in to Scotia OnLine and start banking online today. Scotia Credit Card Protection The Bank of Nova Scotia is not an insurer and this is not an offer of insurance. This example shows your premium calculation for the month of December using the average daily balance method. Our Scotia Range has been produced to match the exact colour of any Quick-Step laminate and timber floor, which means there are over 75 colours available. Buying Credit My Balance Protecting Insurance for Financial Stability to you and owner family in unexpected events. A hollow concave molding at or near the base of a column. 95 monthly fee, and the BMO Premium Chequing has a $30 monthly fee. “Eligible” refers to. (ET) and one of our Customer Service Representatives will be pleased to assist you with cancelling your coverage, and any premiums you've paid will be refunded. Ask your representative for a copy, contact 1832 Asset Management L. A medieval and poetic name for Scotland. SCOTIA CREDIT CARD PROTECTION HOSPITALIZATION CLAIM 1. Credit card interest rates; Checking your credit score; The Student Hub; Protection. For Scotiabank Visa credit card accounts, we will not charge interest on any new purchases. Premium has multiple meanings in finance: (1) it's the total cost to buy an option, which gives the holder the right but not the obligation to buy or sell the underlying financial instrument at a. Earn an additional 0. I was wondering if they'd still charge me the interest on the outstanding balance following job loss or illness whilst they'd be covering 20% of the balance. Scotia Line of Credit Protection is underwritten by The Canada Life Assurance Company under a group policy issued to the Bank of Nova Scotia. The example they give is a balance of $500. These copies must accompany the claim forms you are submitting to us. alternative means to pay. Main features and perks. If you wish to submit a claim for your Line of Credit account, please contact Scotiabank at 1-855-753-4272. The Scotiabank Market Linked GIC is a non-redeemable, non-transferable guaranteed investment certificate whose Index Return, if any, is based on the performance of the Underlying Index (S&P/TSX 60, S&P 500, S&P/TSX Composite Low Volatility Index or S&P/TSX Capped Utilities Index) up to a specified. 75% of its value, which equals $17. Monday - Friday. You can instantly and easily swap the channels listed below in and out of your TV lineup using our TV Channel Exchange tool. August 18, 2021 GLOBAL ECONOMICS. credit card benefits. At the end of each business day, we'll total the round up amounts from all your point of. All coverage is subject to the terms and conditions outlined in the certificate of insurance which you will receive upon. This comprehensive coverage is available at a monthly premium rate of only $1. Gather all the necessary documents based on the type of coverage you are applying for. Card. The annual interest rate on this credit card is around average at 20. As of December 31, 2022, Premium Series units of the Fund's expenses were 1. , 2019-05) Assureur Chubb du Canada Compagnie d’Assurance-Vie (« Chubb-Vie ») 199, rue Bay, bureau 2500, C. The enclosed Claimant Statement form fully completed and signed by the Claimant 2. For Comprehensive Protection the monthly premium rate is $1. 2. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada under a Group Policy issued to the Bank of Nova Scotia. To cancel your plan: • Select your eligible credit card and tap the Scotia SelectPay icon • Select the My plans tab and the installment plan you want to cancel • Tap __Review & cancel __Allow 1 to 3 business days for us to complete the processing. BUSINESS. 09 per $100 of Your Daily Balance until your 70th birthday, and $0. Scotia Investments’ Fund Managers have been managing portfolios for over 20 years. Scotia Ultimate Variable Rate Mortgage - 3 Year Closed Term. Which means every month as I'm trying to slowly pay off the card, there's this extra 20-30dollar charge. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. a sum in advance of or in addition to the nominal value of something. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. Welcome to. Mar 13, 2021 - Apr 14 Statement Period Apr 14, 2021 Statement date 3792 400239 17011 Account # Page #32 - 850 SADDLETOWNE CIRCLE. Scotiabank Credit Life Protection Insurance covers your outstanding ScotiaLine balance in the event of your death or the diagnosis of a covered critical illness. 00/month or. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. SSCP professionals working in New York earned the highest annual salary range of $70,000 to $114,000. 1. Scotiabank Platinum American Express. You can also add optional Scotia Credit Card Protection insurance. A s of June 30, 2018, Premium Series units of the Fund's expenses were 1. 1. Scotiabank Mastercard® Scotiabank Gold Mastercard® Scotiabank MAGNA Mastercard® Scotiabank Mastercard® Business Card Scotiabank AERO™ Business Executive Mastercard® ScotiaLine ScotiaLine Gold; Annual Interest Rate (Financing Charges) - on Purchases & Balance Transfers: 26. As a Premium Seating client, you and your guests can expect to receive high-quality food and . Scotia Aria Progressive Defend Portfolio - Premium TH Series July 7, 2023 This document contains key information you should know about Scotia Aria Progressive Defend Portfolio (the "Fund"). 09 per $100 of Your Account Balance and CONSUMER LAW GROUP is investigating the launch of a Canada-wide class action lawsuit out of Ontario and Quebec against Bank of Montreal (BMO), Bank of Nova Scotia (Scotiabank), Canadian Imperial Bank of Commerce (CIBC), Fédération des Caisses Desjardins du Québec (Caisse Populaire), Laurentian Bank of Canada, National Bank of Canada (NBC), Royal Bank of Canada (RBC) and Toronto-Dominion. $4. The second is a premium interest rate that you'll earn between 90 and 360 days, which varies from 0. State several times you did not know about it and you do not want it. [email protected] per $100 of Your Account Balance and for Basic Protection the monthly premium rate is $0. 7. 00 x 25,000 ÷ 1,000) plus any applicable sales taxes. Based on these findings, a premium refund will not be processed," the letter said. Study Resources. 29 a month. 00 003 Apr-14 Apr-14 SCOTIA SCCP PREMIUM 9. Primary Insured means a. Your monthly insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your. An integrated metagenomics pipeline for strain profiling reveals novel patterns of bacterial transmission and biogeography. . 139, Toronto (Ontario) M5L 1E2 Numéro au registre des assureurs de l’AMF : 2000737552Scheduled Monthly Payment: $21,247. Benefits@assurant. 00 for the remainder of your term. Dollar Daily Interest saving account, which charges $1 US per month or waived with a $200 USD minimum daily closing balance, and the Scotia Euro Savings Account, which charges €1 US per month or waived with a €200 minimum. Buy Credits Card Balance Protection Insurance for Financial Balance for her and your family in unexpected events. Funds come straight out of your bank account so it's simpler for you to manage your money. Annual fee: $0. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. You can set up a Pre-Authorized Contribution (PAC) to regularly invest in Funds. Find a branch. pdf from GNED 127 at Centennial College. Scotiabank branch. 5%, the first increase since the pandemic began two years ago. Get a quote for Borrow Card Insurance Today!Buy Credit Card Balances Protection Insurance for Finance Stability for you and your family with unexpected event. Apart from how easy it is to get it, it is also equipped with amazing cash-back perks (up to 5%) in more than 7,000 Canadian stores, has no annual fee and has amazing technology behind it. The Romans referred to Ireland as "Scotia" around 500 A. Buy Credit Chart Account Protection Insurance with Economic Stability for you also your our include unexpected dates. Earn an additional 0. ABM - Automated banking machine. $4. This means that more Canadians can be insured at economical standard group rates. 12 4 (up to 4 teller-assisted transactions 6) Charge for additional debit transactions. We offer a range of affordable optional creditor protection coverage for Scotiabank credit products:Scotia Mortgage Protection: Life, Critical Illness, and. No interest if there is no balance on your line of credit. The Bank of Nova Scotia In this Certificate of Insurance (“Certificate”) and Your Schedule of Coverage certain . Should your checked baggage be delayed more than 10 hours during your trip, you may be reimbursed up to $1,500 per certificate CDN for necessary toiletries and clothing. 3% of each transaction amount (min. 09 per $100 of Average Daily. As you pay down your borrowed balances against the house, the equity frees up. At Scotia, you can also activate your card online. (“SAM”) and fund refers to the Scotia Premium T-Bill Fund. 99% on cash advances and balance transfers. 09% of its value, which equals $20. View your statements and other account documents digitally. ad hoc paymentsrecurring payments. 3. 3 out of 5. International Money Transfer ±. After you enrol you will have 30 days to review the details of the plan and decide if it is right for you. 09 per $100 of your account balance, calculated daily and for Basic Protection the monthly premium rate is $0. Monthly premium amount. 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. Scotia Credit Card Protection insurance; Security and fraud; Tools. Scotia Club Restaurant – Access to exclusive members only Scotia Club Restaurant. 95 per $100 of Average Daily Balance. Signalling Connection Control Part + 3. Earn up to $550 with a Scotiabank banking package and TFSA or RRSP. m. View more card details. The premium rate for coverage under Scotia Credit Card Protection is $1. The Minimum Guaranteed Return is calculated and compounded annually at the Annual Guaranteed Minimum Interest Rate. Get up to 4% cash back. The Bank of Nova Scotia In this Certificate of Insurance (“Certificate”) and Your Schedule of Coverage certain words have specific and defined meanings. Then if you hold your savings for more than 90 days, you get the Premium Period interest for 0. You can set up a Pre-Authorized Contribution (PAC) to regularly invest in Funds. STEP lets you choose from different kinds of Scotiabank credit products (like mortgages, a line of credit, credit cards and more) based on your needs, all with one easy application. 99% introductory interest rate on purchases for the first 6 months (20. 3. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada. SSCP professionals working in New York earned the highest annual salary range of $70,000 to $114,000. -855-753-4272 on Monday-Friday from 8 am - 8 pm ET. Scotia Credit Card Protection is underwritten by Chubb Life. Customers need to have an eligible Credit Card account with Scotiabank in order to apply for Scotia Credit Card Protection insurance. Investing regularly is one of the simplest ways. Mortgage glossary. This example shows your premium calculation for the month of December using the average daily balance method. Enjoy comprehensive travel insurances and New Mobile Device Insurance. 99% on purchases. Need help signing in? CPC and SCP are simply abbreviations Canada Post Corporation uses on credit card statements. 416. Scotia Credit Card Protection: Monday-Friday 8:00am-8:00pm ET: 1-855-753-4272: Scotia Plan Loan Life & Disability Protection:. Ask your representative for a copy, contact 1832 Asset Management L. 19. Not receiving Disability benefits from any source. To earn 10% cash back, make sure to use your new card to make everyday eligible purchases and earn 10% cash back on the first $2,000 you spend in your first 3 months from account opening. Your Monthly Insurance Premium. Apply now. 00) Fast Card fee 4. 2. Credit Cards. 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. 05% interest on your Momentum PLUS Savings Account 14. Life and Critical Illness Insurance for the cardholder and secondary cardholder (Joint coverage) on the same Scotiabank MasterCard account) costs $0. The insurance offered under Scotia Line of Credit Protection is provided by The Canada Life Assurance Company under group insurance policy number G/H 60220 issued to Scotiabank. 79%-27. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. Then, the results across all samples were combined using merge_midas. 60 for every $1,000. Start your claim. Bank accounts. 09/$100) x 12 / 365. Suggest. com Scotia Credit Card Protection Certificate of Insurance Chubb Life Insurance Company of Canada certifies that the Insured(s) as named on the Schedule of Coverage are covered under and subject to the terms and conditions of: Group Policy Number TMH600165 issued to The Bank of Nova Scotia To cancel your Scotiabank. Every eligible purchase you make will earn at. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. 21 CLAIM INFORMATION Full Name: Phone #: View Credit Card Insurance Application(1). Scotiabank Access online chat or view ourFAQs Scotia Credit Card Protection premium rates are subject to change. Cl. 99%). $1. 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For example, You and Your mean the Insured as named on the Schedule of Coverage, the Insurer means The Canada Life Assurance Company for Life and Critical Illness insurance and/or Sun Life Assurance Company of Canada for Disability insurance, and Scotiabank means The Bank of Nova Scotia. 20% 17. . Just look for the Visa payWave symbol at the checkout. A maximum of five Premium Periods at any one time. The Annual Guaranteed Minimum Interest Rate is specified in your Investment Directions. 95 for every $100 of outstanding balance. Scotia Credit Card Protection (optional) 10 This optional insurance coverage can provide you and your family financial protection by paying off your outstanding account balance or helping to cover your monthly credit card payments as a result of certain unexpected life events, such as Death, Critical Illness, Hospitalization, Disability, Job. P. topline coverage of a wide range of concepts that will come in useful in lots of different roles. Charges vary between accounts. From the Services menu, select Stop Payments then click Stop Payments Request to access the Stop Payments screen. TRANS. 99% cash advances. 30 (Pam’s premium) = $31. - 8:00 p. 03. Pam’s Insurance premium for the March billing cycle is $3. Members entrance – Access to the exclusive Scotia Club Members entrance, located in Gate 2 off Bay Street. Earn up to $2,100* in value in the first 14 months, including up to 60,0004 bonus Scene+ points. Power’s 2023 Credit Card Satisfaction Study [1]. “Minimum Guaranteed Return” means the minimum return, expressed as a percentage rate, you will be guaranteed to earn on your Scotiabank Market Linked GIC. The Bank of Nova Scotia, more commonly known as Scotiabank, is one of Canada’s Big Six Banks. It is not an annual rate but a minimum return over the term of your Scotiabank Market Linked GIC. 09 per $100 of Your Daily Balance until your 70th birthday, and $0. 00 or the amount of credit balance. A self-service transfer means a transfer to your other Scotiabank account without the help of a. It will pay off your outstanding Scotiabank credit card balance, relieving your loved ones of added financial pressure at a difficult time. which means that the outstanding loan balance of your ScotiaLine account can be paid in the event you are diagnosed with a covered critical illness (specifically heart attack, cancer or stroke. Comprehensive Protection Insurance Premium Calculation Example: Your premium is calculated based on your Daily Balance. Winner: Draw. 711, which is the routing protocol for Signalling System 7 (SS7), a set of protocols used to set up calls in telephony networks. P. With Scotia Credit Card Protection, your coverage and premium is always based on your Account balance. The premium rate for coverage under Scotia Credit Card Protection is $1. 000358 = $2. Buy Credit Card Balance Protection Insurance for Financial Stability for you and your family in unerwartetes dates. These accounts allow you to: Enjoy an unlimited number of transactions 3 on your transactional and savings accounts. Compare American Express Credit Cards; Calculate your rewards. Life and Critical Illness Insurance for the cardholder and secondary cardholder (Joint coverage) on the same Scotiabank MasterCard account) costs $0. 1% if you have the Ultimate Package. Mail Escalated Customer Concerns Office 44 King St West, Toronto, Ontario M5H 1H1. This optional insurance 1 coverage can pay off your outstanding account balance or help cover. The enclosed Claimant Statement form fully completed and signed by the Claimant 2. Monday - Friday. com, or visit w ww. and C. 99% purchases / 22. No monthly account fee 1, unlimited debit and Interac e-Transfer † transactions 2. Visa payWave* - Save time when paying for small, everyday purchases with Visa payWave. In some parts of Europe, SS7 is called C7. You can have mortgages, secured lines of credit, credit cards, overdraft, etc all secured against the property. Guaranteed Investment Certificates (GICs) work similarly to savings accounts as you can earn interest on your funds without the risk of losing your original principal investment. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. py species. 50 for every $1,000. For Comprehensive coverage under $50,000, the monthly premium rate is $1. Credit Balance Administration fee 5. Critical Illness Protection is a living benefit, which means that the outstanding loan balance on your credit card account can be paid in the event you are diagnosed with a covered critical illness. $20. Charges vary between accounts. 00 or $5. With no Coverage for Pre-Existing Conditions. Worked at Scotiabank, call and cancel and say you did not know or want this and ask to be reimbursed. each day until the end of the Premium Period. 99% on any unpaid balances you owe, and 22. The Scotiabank Market Linked GIC. The Bank of Nova Scotia In this Certificate of Insurance (“Certificate”) and Your Schedule of Coverage certain words have specific and defined meanings. A business (if not a farm, fishery or ranch), that is a small business corporation within the meaning of subsection 248(1) of the Income Tax Act.