Self-Service Transfer means a transfer to your other Scotiabank account without the help. You get a promo rate of 1. 19. It will pay off your outstanding Scotiabank credit card balance, relieving your loved ones of added financial pressure at a difficult time. Ask your representative for a copy, contact 1832 Asset Management L. It often takes just a few minutes to activate your card fully. 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 Scotia. Laurent Blvd. P. O. where x = 10-13; y = 3-12; and . A s of June 30, 2018, Premium Series units of the Fund's expenses were 1. 2-step verification. It covers all sectors, including private and commercial. 7092 F +1. Borrowing basics. Life and Critical Illness Insurance for the cardholder and secondary cardholder (joint coverage) on the same Scotiabank Mastercard® account) costs $0. 25/month. Winner: Draw. Scotia Police collective n° TMH600165 Articles 22, 28 et 29 du Règlement sur les modes alternatifs de distribution (A. 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. 40 Bay Street Toronto, ON M5J 2L2. indd 2 7/3/20 9:58 AM. • Please ensure ALL documents are fully completed for the type of Scotia Loan Protection benefit you are claiming. 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. Effective May 1, 2021. They maintain a disciplined approach to fixed income investing that focuses on credit quality, duration and the interest rate cycle. 00 003 Apr. A copy of the Admission and Discharge summary(or summaries) from the Hospital(s) which clearly identifies your date of admission and date of discharge 3. P. 85%. A hollow concave molding at or near the base of a column. ad hoc paymentsrecurring payments. When that happens, the remaining outstanding installment balance under the installment plan will be re. Account level charge - Charges against any account transactions (i. a) For a single cheque, you must complete all fields on the screen, including:Scotia is a Latin placename derived from Scoti, a Latin name for the Gaels, first attested in the late 3rd century. M. After the Deferred Interest Amount is been paid off, (starting January 2023), your scheduled payment will revert to $21,247. Protects your bank in case you default on your loan; it does not protect you or your interest in the property. 20. 00 per $1000 of the insurance coverage. 139, Toronto (Ontario) M5L 1E2 Numéro au registre des assureurs de l’AMF : 2000737552Scheduled Monthly Payment: $21,247. 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 benefitYo 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,scotia sccp premium contact number. Insurance Premium: An insurance premium is the amount of money that an individual or business must pay for an insurance policy. Fund expenses You do not pay these expenses directly. 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. 95 per $100 of Average Daily Balance. However you will keep your Health Care Card if you have one. 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. SCCP Routing Control. 19. SCCP phone to SCCP phone. 95 monthly fee, and the BMO Premium Chequing has a $30 monthly fee. Simply wave your card over the card reader and go!9. Find out how our banking packages can reward you. Laurent Blvd. An updated Scotia Credit Card Protection Certificate of Insurance will be available on Scotia Credit Card Protection page as of October 17, 2020. 5% to 3%, on purchases made abroad and at foreign merchants. Earn 6 Scene+ points2 on every $1 CAD you spend in Canada at Sobeys, Safeway, FreshCo, Foodland and more. That means there is little support for reducing purchases sooner beyond St. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. • The premium rate for coverage is based on Your Daily Account Balance which is calculated daily and billed monthly. The second is a premium interest rate that you'll earn between 90 and 360 days, which varies from 0. Your lender automatically applies for it for you (if needed) and normally incorporates the cost of the premium in your mortgage amount. CUPE | 1375 St. 00 002 Apr-14 Apr-14 ANNUAL FEE 39. 95 for every $100 of outstanding balance. Earn up to $550 with a Scotiabank banking package and TFSA or RRSP. 00. Credit Protection can prevent this from happening. 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. For example, You and Your mean the . P. A copy of the Admission and Discharge summary(or summaries) from the Hospital(s) which clearly identifies your date of admission and date of discharge 3. $1,000: x: 6: x: $0. Scotia Aria Conservative Pay Portfolio - Premium Series 2. Your Account balance is insured for up to $50,000, however, premiums. 99% 26. Annual fee: $120. Aside from waiting a bit and trying again, or restarting Safari or your Mac, you can also change Safari's home page to a different URL. After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. Should an unexpected life event arise, your insured Scotiabank debt could be paid in full, or monthly payments will be maintained for a. For the choose of Month, Dear has the folowing balances over 31 daily. In the top half of the screen, enter the details of the payment (s) that you would like to stop. Visit your local Scotiabank branch. For example, You and Your mean the . Overspending: Maxing out your credit cards, especially on a regular basis, can hurt your credit score since your utilization ratio (100% therefore > 30% recommended) would. 711, which is the routing protocol for Signalling System 7 (SS7), a set of protocols used to set up calls in telephony networks. You're. 30 (Pam’s premium) = $31. This is a very close one to call; not least because the two exams are aimed at different audiences. David and Pam’s combined Scotia Line of Credit Protection premium is $28. @ScotiabankArena. Scotiabank Visa and American Express Primary Borrowers who are 18 years of age to 69 years of age, are Canadian residents and who have a Scotiabank account in good. What is STEP? The Scotia Total Equity Plan (STEP) is a flexible borrowing plan tied to the equity in your home. Scotia Line of Credit Protection is an optional insurance product available to Scotiabank Line of Credit account customers that provides a financial safety net during times of. words have specific and defined meanings. CUPE | 1375 St. Need help signing in? CPC and SCP are simply abbreviations Canada Post Corporation uses on credit card statements. SCCP does the routing on SSN and global title (GT). 12. ® Scotia® Credit Card Protection Application INFORMATION ABOUT YOU Primary Borrower Name Scotiabank Credit Card Scotia by Chubb Life Insurance Company of Canada (“Insurer”) under Group Policy number TMH600165. State several times you did not know about it and you do not want it. 81 CREDIT VOUCHER/RETURN SCOTIAREWARDS- Scotiabank American Express Card #32 – 850 SADDLETOWNE CIRCLE NE CALGARY, ALBERTA T3J 0H5 POST DATE Scotia Investments’ Fund Managers have been managing portfolios for over 20 years. Scotia® Business Loan Protection Creditor Group Insurance Insurance for your Scotiabank business credit borrowings Name and address of Insurer: The Canada Life Assurance Company Creditor Insurance Department 330 University Avenue Toronto, Ontario M5G 1R8 Phone: 1-800-387-2671 Fax: 416-552-6557 Name and address of. Scotiabank®* Gold American Express® Card. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. 00 003 Apr-14 Apr-14 SCOTIA SCCP PREMIUM 9. To cancel your Scotiabank credit card protection please call us at 1-855-753-4272 on Monday-Friday from 8 am - 8 pm ET. 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. After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. - 8:00 p. 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. Open a new Ultimate or Preferred Package account between November 1 st and February 29 th, 2024. 92. The central bank’s move will have the follow-on effect of making it more expensive to borrow money from most lenders, such as for a home. 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. Annual fee: $0. 3% of each transaction amount (min. 15 $7. SPECIMEN Protection Carte de crédit ScotiaMD Attestation d’assurance Chubb du Canada Compagnie d’Assurance-Vie atteste que le ou les assurés dont le nom figureMerry is a primary credit card holder under the age of 70 and is enrolled to Scotia Credit Card Protection insurance. The last thing you need to worry about during an emergency is how to pay your bills. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. Scotia Credit Card Protection is underwritten by Chubb Life Insurance Company of Canada. Earn up to 40,000 bonus Scotia Scene+ points in the first year. 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. Special Offer. Book an appointment. Monthly premium amount. For Comprehensive or Basic coverage. Scotia Aria Conservative Build Portfolio - Premium Series 2. 1-855-753-4272. 99% cash advances. Scotia Credit Card Protection offers. pdf from FINA 4350 at University of Houston. A self-service transfer means a transfer to your other Scotiabank account without the help of a. According to the policy, they will cover 20% of outstanding balance for 5 months, upto $10,000, in case of involuntary job loss. Earn an additional 0. 139, Toronto (Ontario) M5L 1E2 Numéro au registre des assureurs de l’AMF : 2000737552Buy Credit Card Balance Protection Insurance for Financial Stability for you and your family in unexpected events. The MTP3 layer is the network layer that does the routing based on the ss7 point code. credit card benefits. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. $5. 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. 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). Scotia Mortgage Protection - Life - Medical - Critical Illness - Job Loss. . ET. 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. 00. This optional insurance 1 coverage can pay off your outstanding account balance or help cover. Say you signed up for credit card balance insurance. It will payment off your outstanding Scotiabank credit ticket balance, relieving your loved ones of added financial printer at a difficult time What is credit insurance additionally how are it work? It will pay away your outstanding Scotiabank credit poster remaining, easing your loved ones of added financial pressure at adenine difficult timeScotiabank credit card can give you convenient access to credit for your everyday purchases and expenses. Charges vary between accounts. 09/$100) x 12 / 365. Choose a 3, 6, or. If the Account is opened on a. 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. The Bank of Nova Scotia In this Certificate of Insurance (“Certificate”) and Your Schedule of Coverage certain words have specific and defined meanings. Scotia Credit Card Protection insurance; Security and fraud; Tools. indd 2 7/3/20 9:58 AM. Log in Join. 25% (the “Bonus Rate”) applies to New Deposits (defined below) made into an eligible Scotiabank Savings Accelerator Account (“SSAA”) between August 14, 2023 and January 31, 2024 (the “Bonus Rate Period”). Amortization Period - The actual number of years it will take to repay a mortgage loan in full. How-to top-up your mobile. Example: Suppose the Comprehensive Coverage Amount is $25,000. T his document contains key information you should know about Scotia Aria Progressive Build Portfolio (the "Fund"). 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. DATE DETAILS AMOUNT(S) 001 Apr-11 Apr-13 70. Scotia Credit Card Protection insurance; Security and fraud; Tools. 99 per trade and Trade 1 Get 1 Free at Scotia. The Romans referred to Ireland as "Scotia" around 500 A. Get ampere quote for Credit Card Insurance Available!Scotiabank Gold American Express® Card. We offer a range of affordable optional creditor protection coverage for Scotiabank credit products:Scotia Mortgage Protection: Life, Critical Illness, and. Voici en quoi consiste la Protection Carte de crédit Scotia : OPTION DE COUVERTURE Vous avez le choix entre deux options de couverture : 1. Premium Period Interest is earned when you choose a 90, 180, 270 and/or 360-day Premium Period. Provincial sales taxes are also added where applicable, and the premium is conveniently charged to Your Account. SSCP wins on content depth. Unlimited debit transactions 3, Interac e-Transfer † transactions, and Scotia International Money Transfers ±. 32 + sales tax, where applicable. The Scotiabank Platinum American Express Card offers access to premium 24/7 concierge services, complimentary airport lounge access with Priority Pass, and special offers and experiences with American Express. Premiums are calculated as per the Certificate of Insurance and are subject to eligibility requirements. Scotia Credit Card Protection insurance;. View more card details. Please keep this amendment notice with Your Certificate of Insurance for documentation. Sort. Discount. Number of debit transactions. All coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you will receive upon enrolment. Your dreams of owning your own home are closer to coming true with our trusted mortgage specialist and subsidiaries: Bank of Nova Scotia Jamaica offers affordable terms Saver, Non-saver, Instant Qualifier and many more mortgage options. Network Service Data Units passed by higher layers in the originating node are delivered by the SCCP to higher layers in the destination node. Earn 5% cash back on travel purchased through Scotia Rewards Travel Service. Share your Scotia account details directly from the Scotia Caribbean App to your contacts on WhatsApp or iMessage. Premium Interest is only paid at the end of the Premium Period, and only if no debit transactions were made within the Premium Period. 49 per $100 of Your Daily Balance for the remainder of Your coverage period. 60 for every $1,000. Pay for education – check out our ScotiaLine® Personal Line of Credit for Students. All insurance plans are underwritten by independent licensed insurers under group policies issued to The Bank of Nova Scotia and all coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you. Bank The Rest is a savings program exclusive to Scotiabank. 10% intro offer (Ends October 31, 2023), Earn 4% for. Signalling Connection Control Part + 3. Unlimited debit transactions 3. 79%-27. In a Branch. Apply now. SCCP is a lightweight IP-based protocol for session signaling with Cisco Unified Communications Manager. 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. Continue to enjoy all your. The enclosed Claimant Statement form fully completed and signed by the Claimant 2. TRANS. 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. The Price. Fund expenses You do not pay these expenses directly. SCCP. Chart 1 . Interest rates: 20. These accounts allow you to: Enjoy an unlimited number of transactions 3 on your transactional and savings accounts. Scotiabank Platinum American Express ® Card. If you’re a Scotiabank customer, you can also cancel or reschedule your appointment using the app:From the app’s Home screen, tap More Tap Contact us Tap. The Bank of Canada said today it is raising its benchmark interest rate by 25 basis points to 0. To get coverage this month, you’ll need to pay a balance protector premium of $6. ABM - Automated banking machine. 22. P. When you opt to create a SelectPay™ Plan, you are agreeing to convert an Eligible Transaction posted on your Card Account to fixed installment payments (including interest), which means you will make equal. 95 mo. 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. 35% until August 31, 2020. Daily Premium Rate ($1. Get a quote required Credit Card Insurance Today!Scotiabank will identify Purchases that are eligible to be converted to a SelectPay™ Plan through Scotiabank Online or Mobile Banking. She thought it was a mandatory charge because she was carrying a balance. 95 per $100 you owe, plus applicable sales tax. A copy of the Scotia Credit. As of December 31, 2022, Premium Series units of the Fund's expenses were 1. If you wish to submit a claim for your Line of Credit account, please contact Scotiabank at 1-855-753-4272. You get an extra 0. Ask your representative for a copy, contact 1832 Asset Management L. Annual ratethe following definition: CxH(2x-y+2)Cly. The insurance can be connected to different types of loans, like those related to your mortgage, car and business loan. Continue to enjoy all your. Scotia Creditor Insurance. Find out how our banking packages can reward you. American Heritage® Dictionary of the English Language,. Start your claim. The only major bank that saves you 2. Credit Balance Administration fee 5. 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. All insurance plans are underwritten by independent licensed insurers under group policies issued to The Bank of Nova Scotia and all coverage is subject to the terms and conditions outlined in the Certificate of Insurance which you. Scotia Line of Credit Protection: Life, Critical Illness, Disability, and Job Loss coverage. Box 1097, Station B Willowdale, Ontario, M2K 3A2 T +1. Receiving a quote for Credit Mapping Insurance Today!Open a new Ultimate or Preferred Package account between November 1 st and February 29 th, 2024. These rates are competitive with most everyone else on the market. Each time you buy something with your ScotiaCard, we'll round your purchase to the nearest multiple of $1. Evaluate Non-redeemable GIC and get comprehensive information. 1 (855)753-4272. Quel est le coût de la Protection Carte de crédit Scotia? Le taux de prime de la Protection Carte de crédit Scotia est appliqué au solde quotidien de votre compte, calculé chaque jour et facturéAdditional information relating to the Bank, including the Bank’s Annual Information Form, can be located on the SEDAR website at and on the EDGAR section of the SEC’s website at Legal Terms for accessing Scotiabank. Fund expenses You do not pay these expenses directly. To get coverage this month, you’ll need to pay a balance protector premium of $6 (plus. Monday - Friday. ® Scotia® Credit Card Protection Application INFORMATION ABOUT YOU Primary Borrower Name Scotiabank Credit CardScotia Credit Card Protection is a group insurance. By Mail: By E-mail*: Assurant, Financial Claims. 09 per $100 of the average daily balance on your credit card account (plus any applicable provincial sales tax). e. 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. 75% of its value, which equals $17. Adjustable Premium – An adjustable premium is a premium that can be adjusted over. Set up one eligible automated recurring direct deposit, like a payroll or pension, that recurs for 3 months in a row. m. This site is used jointly by Manulife and FNAIC to provide you with product summaries and certificates for your credit card benefits. The average cost of full-time tuition in Canada sits at $6,834 annually. Everyday banking is easy online: Pay bills, check your balance and account history, transfer money between accounts and more. 10 for every $1,000 invested. Gather all the necessary documents based on the type of coverage you are applying for. Swappable Channels. 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. GIC terms range from 30 days to 10 years, so you can. 76% of its value, which equals $17. Your monthly credit insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. say, “Oh $700,000, great!” Then I say, “Unless you qualify for mortgage default insurance and pay the required premium, you have to at least first bring 20% down—that is $140,000. 19. e. 1685 E SCCPClaims@umu. Scotia Credit Card Protection insurance;. The following definitions apply to these Terms and Conditions: “Cardholder” means the primary holder of a Scotiabank retail and/or small business credit card. 95 per $100 you owe, plus applicable sales tax. m. 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. ” Then I add another $20,000 on that figure. 400% 3. • You authorize Scotiabank to charge the insurance premium and applicable sales tax to Your Scotiabank. Maltodextrins are nonsweet nutritive saccharide mixtures of oligomers and polymers consisting of d-glucose units, connected in chains of variable length and linked primarily by [alpha]-1-4 bonds. Get a quotes to Credit Card Insurance Today!words have specific and defined meanings. Protection for the important things in life. alternative means to pay. Choose the amount of emergency medical insurance you need, up to $150,000 CDN, if age 69 or less 3. For Comprehensive or Basic coverage. 25. Fund expenses You do not pay these expenses directly. ,Global Fixed Income Balanced,Aria Portfolios,Scotia Aria Conservative Build Portfolio - Premium Series Series Premium,[S02301]. 00 for every $1,000 of Comprehensive Coverage Amount, subject to a minimum monthly premium of $10. Variable Rate Mortgages. 99% on cash advances, balance transfers and Scotia Credit Card Cheques. M. 99% purchases / 22. Account level charge - Charges against any account transactions (i. You can find more detailed information in the F und's simplified prospectus. SCOTIA CREDIT CARD PROTECTION CLAIM FORM CRITICAL ILLNESS / HEALTH CRISIS PROTECTION CLAIMANT STATEMENT Unity Managing Underwriters Ltd. ET. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. Your Scotiabank Rewards® Visa* Scotiabank® Scene+™ Visa* Card Annual Fee $0 $0 Annual Interest Rate1 19. This may go beyond the term of the loan. They affect you because they reduce the returns of the Premium T Series units of the Fund. D. Primary Insured means a. Box 1097, Station BProtection Carte de crédit Scotia Attestation d’assurance À conserver en lieu sûr. Debit transactions 3. 09% of its value, which equals $20. $120. “Cycles” refer to the credit card’s billing cycles. This number is a unique identifier for the card issuer to distinguish your. Your monthly credit insurance premium amount is added to your Scotiabank credit card account automatically and is reported on your statement. 99%-24. - 8:00 p. Tax-Free First Home Savings Account (FHSA) The Tax-Free First Home Savings Account is a new registered account that first rolled out in 2023. Study Resources. BUSINESS 3301. You have been pre-approved for a Scotiabank®* American Express® account on the basis of your Scotiabank financial information and other credit information. For the portion of the Account Balance in excess of $25,000, no premium will be assessed. For Scotiabank Visa credit card accounts, we will not charge interest on any new purchases. View Canada Scotiabank. 2,‡. $9. SCOTIA LINE OF CREDIT PROTECTION | PRCT UMMAR ACT T 10 11 How your premium payment is calculated Your premium payment will be calculated daily. Rewards: Earn 4% cash back on. - 8:00 p. 89 per $100 of your account balance, calculated daily until your 70th birthday, at which time both bundles reduce to only the Life Benefit at a monthly premium rate of $0. 00. After your installment plan is enrolled, you can cancel it at any time through the mobile app or Scotia OnLine. 3 out of 5. Insurance is underwritten by GK Life. For example, “You” and “Your” mean the Primary Insured as named on the Schedule of Coverage, the “Insurer” means Chubb Life Insurance Company First, if your credit card balance is under $10, you will not be charged the balance protector premium. A borrower, a co-borrower or a guarantor who has agreed to the terms and conditions on a Scotiabank Line of Credit account that is in good standing. You can instantly and easily swap the channels listed below in and out of your TV lineup using our TV Channel Exchange tool. 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. 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. 600% 1. The features of each card vary, as does their point earning potential. No premium is charged if your previous month’s statement was zero. Premium Interest is only paid at the end of the Premium Period, and only if no debit transactions were made within the Premium Period. 49 per $100 of Your Average . Hamilton, Ontario. 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. For example, “You” and “Your” mean the Primary Insured as named on the Schedule of Coverage, the “Insurer” means Chubb Life Insurance CompanyFirst, if your credit card balance is under $10, you will not be charged the balance protector premium.