Went to your Scotiabank Wafer list... Found this and thought it funny....You get all the below  ...EXCEPT THE GOLD!!!!!

"

Scotiabank Certificates may look and feel like paper, but they're every bit as valuable as the precious metals they represent; with a number of advantages, including:

• No fabrication, shipping or insurance costs
• No sales tax
• No assay fees when you decide to sell
• Fully transferable
• Certificates are also fully convertible to physical bullion*

*Subject to signed documentation and payment of applicable premiums and sales taxes."