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We will fully reimburse you in the unlikely event that you suffer direct financial losses due to unauthorized activity 1 in your accounts through Digital Banking Services 2 provided you have met your security responsibilities. Visit www.scotiabank.com for more information. Scotiabank provides corporate and investment banking and capital markets services to corporate, institutional and government clients globally. Scotiabank Investment Specialists will build customized financial plans that help bring your investment and retirement goals to life. A tailored plan will allow you to savour today while preparing for your needs and the needs of your family in the future. The tax-free savings account (TFSA) is not strictly a savings account in the traditional sense. Your TFSA account can hold a variety of investment assets including cash (savings), GICs, stocks, bonds, ETFs, mutual funds, etc. There are many reasons why you may choose to keep your TFSA funds in a savings account, for example, if you are saving for a vacation or down payment on a home. RBC Investor & Treasury Services (RBC I&TS) is a specialist provider of asset services, custody, payments and treasury services for institutional investors worldwide. For all general inquiries related to RBC I&TS, please contact your RBC I&TS representative. For information regarding other divisions of RBC, please call +1 888 212 5533.