Financial Services Agreements (PFSA) (PCA)

Financial Services Agreements (FSA) explain the type of services we offer along with the terms and conditions that govern those services, including personal, small business and commercial/corporate banking agreements. 

Click on the links below to review the terms and conditions surrounding the use of our services.

Please note that you will need the Adobe Acrobat Reader Plug-in to view the files.

The Personal Credit Agreement Companion Booklet (PCA Companion Booklet) explains the different types of loans and credit facilities we offer and contains important terms and conditions that govern those loans and credit facilities. The PCA Companion Booklet also contains the Scotiabank Privacy Agreement that also applies to your banking relationship with us. The Personal Credit Agreement forms part of the PCA Companion Booklet and the Rates and Fees Schedule. All of these documents are supplemental to each other and should be read together.