. Personal Financial Services Agreement (PFSA) [PDF: 608 Kb] . . Personal credit contract accompanying n/A | pdf: 557 KB . The Personal Credit Agreement Companion Booklet (PCA Companion Booklet) explains the different types of credit and credit facilities we offer and contains important terms and conditions that govern these credit credits and credit facilities. The PCA Companion Booklet also contains Scotiabank`s privacy agreement, which also applies to your bank details with us. The personal credit contract is part of the PCA Companion booklet and the tariff and tariff plan. All these documents are complementary to each other and should be read together.