Scotiabank Passport Visa Infinite Card Review

Finally, there’s a travel rewards credit card from a major bank in Canada that comes with no foreign transaction fees. The Scotiabank Passport Visa Infinite Card is clearly aimed at travellers who are looking to earn travel rewards and don’t want to pay those foreign transaction fees that are associated with most credit cards. I’m so impressed with the card that it easily made my list of the best travel credit cards in Canada.

To be honest, I’m surprised it’s taken this long for a card like this to come out, but I guess since Chase has pulled out of Canada, the major banks – well, at least Scotiabank – now see an opportunity to offer a product that will get Canadians excited. The signup bonus is great at 25,000 Scotia Rewards points ($250 value), and the additional benefits are what you would expect from a premium travel rewards card. Keep reading my Scotiabank Passport Visa Infinite Card review now for the full details and my thoughts.

Scotiabank Passport Visa Infinite Card benefits

  • No foreign transaction fees
  • 25,000 Scotia Rewards points ($250 value) when you spend $1,000 in the first 3 months
  • Priority Pass Standard Membership + 6 free visits per year
  • Earn 2 Scotia Rewards points per $1 spent on eligible grocery, dining, entertainment, and transit purchases
  • Earn 1 Scotia Rewards point per $1 spent on all other purchases
  • Annual bonus of 10,000 points ($100 value) if you spend minimum $40K per year
  • Included travel emergency medical, delayed and lost baggage, and trip cancellation / trip interruption insurance
  • Rental car collision / Loss damage insurance included
  • Hotel / Motel Burglary insurance included
  • $139 annual fee

The Scotiabank Passport Visa Infinite Card (referral link) comes with quite a few benefits and seems like it was clearly built with the modern traveller in mind. What caught my eye right away is the fact that this card comes with six annual airport lounge access passes with Priority Pass. No other Canadian credit card with an annual fee of less than $150 currently offers more than four lounge visits per year. Having no foreign transaction fees is also a huge bonus since there have been limited options for Canadians looking for that feature as of late.

The signup bonus of 25,000 Scotia Rewards points is worth $250 and requires a spend of just $1,000 in the first 3 months. The annual bonus of 10,000 points when you spend $40K is a nice, but it’s not a huge incentive to put all your spending on this card since you’d be better off just signing up for other credit cards for the signup bonus. The included comprehensive travel insurance package stacks up to other similar cards, but of particular note is the fact that the travel emergency medical covers those aged 64 and under for 25 days while those 65 and older are insured for 10 days which is a touch better than other plans. These benefits easily offset the $139 annual fee that comes with the card.

Be sure to read my post about credit cards with no foreign transaction fees so you know what else is out there. You may also be interested in my American Express Platinum Card review where you earn 60,000 points as your signup bonus.

How it compares to other cards

The best travel rewards credit card space is crowded and I would say the most comparable card to the Scotiabank Passport Visa Infinite Card is the Scotiabank Gold American Express Card. Both cards earn you Scotia Rewards points but the Amex card gives you 4 points per $1 spent on grocery, dining, entertainment, and gas purchases. At face value, the Scotiabank Passport Visa Infinite Card has a much lower earn rate, but what may appeal to people is the fact that it’s a Visa card instead of American Express. Plus you need to consider the additional travel benefits

Scotiabank also made some recent changes to the signup bonus for the Gold American Express Card which is now lower and the annual fee is no longer waived for the first year. You would really need to look at where you spend your money and if those retailers accept American Express before you decide which card to get. Don’t forget, the Scotiabank Passport Visa Infinite Card has no foreign transaction fees and the 6 airport lounge access passes which may appeal to you.

The nice thing about Scotia Rewards points is that they’re easy to understand. 100 Scotia Rewards points = $1 in redeemable travel. There are no blackout dates or seat restrictions. In addition, you can use your points to pay for taxes and fees, so this gives you plenty of flexibility when booking your travel.

Final word

My Scotiabank Passport Visa Infinite Card review is positive. Although the earn rate is not the highest compared to other travel rewards credit card, I do feel that the included benefits and the fact that there are no foreign transaction fees makes this a worthy card. 

Apply Now for the Scotiabank Passport Visa Infinite card
By |2018-09-10T10:35:58+00:00March 12th, 2018|Credit cards, Personal Finance, Travel, Travel news|

64 Comments

  1. Steve Bowen March 12, 2018 at 11:17 am - Reply

    The first additional card is also free. Thank you

  2. Dana March 12, 2018 at 5:35 pm - Reply

    I’ve been looking for a Visa or MasterCrad to supplement my primary card, an Amex, and this just might fit the bill (unless you have other suggestions?). I already have the Scotia Amex Gold, so this can help me earn more Scotia Rewards points for merchants where Amex is not accepted.

    • Barry Choi March 12, 2018 at 5:50 pm - Reply

      Dana,

      It depends on the primary use of the card. The Scotia Amex Gold has better multipliers, but as you’ve noted, it’s not a Visa or Mastercard. If you still spend a significant amount at stores where Amex isn’t accepted or you value the lounge access passes, then this card is likely worth it. Now if you just want a card with no foreign transaction fees, you may want to check out this post https://www.moneywehave.com/canadian-credit-cards-without-foreign-transaction-fees/

      • Dana March 12, 2018 at 6:33 pm - Reply

        I wouldn’t say a significant amount and I do have lounge access through another Amex, though will close that card before the annual fee is up. Might be prudent to wait for a first-year-free promo for this card then. My search for a decent Visa or MC for when Amex is not accepted continues. (If only my carshares and local transit accepted Amex!)

        • Barry Choi March 12, 2018 at 6:39 pm - Reply

          Dana,

          Transit is a multiplier for the Scotiabank card so that’s something to consider if you do plan on cancelling your Amex. I personally also favour Amex cards for travel rewards.

        • Poco March 28, 2018 at 4:10 pm - Reply

          You do get 25,000 points as a sign-up bonus and can convert 21,000 points into a statement credit of $150 according to this page https://www.scotiarewards.com/en-CA/Rewards/Reward/PointsForCredit. That basically makes the first year free.

          • Barry Choi March 28, 2018 at 4:16 pm

            That’s their “cashback” option. You’re better off using your points for travel where 25,000 points works out to a $250 travel credit when booked through Scotiabank’s travel service.

  3. brad March 13, 2018 at 11:48 am - Reply

    How does Scotiabank expect someone to spend $40,000 on their credit card to earn the additional 10,000 points ?

    • Barry Choi March 13, 2018 at 11:52 am - Reply

      Brad,

      yeah seriously, If I’m spending that much, I’m signing up for multiple credit cards to get the signup bonus.

      • Tony March 14, 2018 at 10:40 am - Reply

        Stupid question, but would the $40000 include both spending from the original card and the supplement card?

        • Barry Choi March 14, 2018 at 10:45 am - Reply

          Tony, I’m not 100% sure on that, you’d have to ask Scotiabank.

        • Barry Choi April 12, 2018 at 10:07 pm - Reply

          Hi Tony,

          I checked with Scotiabank and they confirmed that spending from the supplementary card counts towards the bonus.

  4. Cynical March 14, 2018 at 1:06 pm - Reply

    There is no statement about what FX rate will be applied to transactions. You can waive the fee but then claw it back with the spread on the currencies.

  5. Adman March 21, 2018 at 12:06 am - Reply

    I’ve had the Marriott Rewards VISA card through Chase for years and earned almost a million MR points for hotel stays, airplane tickets, etc. Then, effective March 15 Chase killed the card — so Marriott replaces it with an Starwood Amex card that can’t be used for parking, convenience stores, etc…and it charges the 2.5% currency transaction fees. The sign up Bonus for the Starwood card is 75,000 MR points…but if you have the SPG card already, you can’t get the bonus points. Bad move Marriott. Looks like Scotiabank will get my business.

    • Barry Choi March 21, 2018 at 7:00 am - Reply

      Adman,

      Note that this is temporary solution. It was Chase that decided to pull out of Canada. Credit cards likely take 2 years from concept to market so I wouldn’t be surprised if Marriott comes out with a new card in late 2018 or 2019. That being said, it’s likely the next card from Marriott will also be from American Express.

  6. Mark March 21, 2018 at 4:48 am - Reply

    This card is an excellent addition if you have the Scotia Amex Platinum. That card gives you the same reward benefit as the Gold, however comes with 12 lounge passes. So if you are looking for 6 more, and a second card that will earn you decent points that can combine with their Amex, this is the card for you. That way you are covered for all merchants, and you’ll have a total of 18 lounge passes. Not to mention Scotia told me if I get a supplemental user on my Visa, they too can get a Priority Pass membership with 6 visits. This is obvious to me. I currently also hold an RBC Visa Infinite Privilege Visa, and I can’t see why it’s work the $399 any longer compared to this new Visa card from Scotia.

    • Ali August 17, 2018 at 3:56 pm - Reply

      Are you positive that the secondary card holder also get 6 priority pass access?
      I called Scotia bank 2 times and both of them told me it is only a told of 6.

  7. Mark March 21, 2018 at 4:51 am - Reply

    Sorry I forgot to mention, you can combine all your Scotia Rewards points from your Visa and Amex and use them towards travel purchases that you’ve made on either card. Much better than having to use the travel agency that is linked to the card like RBC’s or BMO’s. This way if I have a membership to an organization that gets me special discounts on hotels, I can use it because it’s not travel agent friendly and I can save even more money.

    • Barry Choi March 21, 2018 at 7:03 am - Reply

      Mark,

      Yes, I agree that this card with the lounge access can be really beneficial for those people who already collect Scotia Rewards. I also like how you’re not forced to use their own booking service. One thing to note, the Scotia Amex Platinum offers higher multipliers on certain categories so you need to be strategic about which card you use.

      • Mark March 21, 2018 at 7:50 am - Reply

        Hi Barry,
        Thanks for the reply. With the Amex I do get higher multipliers for the categories that I use often like dining and gas. I just got the Visa card yesterday as an upgrade from their white 1 point for every $2.00 spent card. Thier Amex is my first choice. I use to be an Amex Platinum card holder, but their rewards earning sucks. 1.25 points per dollar across the board. Also their travel insurance is very poor compared to these cards or RBC Infojite Privilege.

        • Barry Choi March 21, 2018 at 9:43 am - Reply

          Mark,

          The Amex Platinum card is my main travel card. I agree that the multipliers suck, that being said, for me, it’s about the referrals and transfer options. I can often max out my referrals every year. I then take those points and transfer them to SPG / Marriott. I like hotels so that’s an incredible value for me. Way more useful than those Aeroplan points I’m still sitting on.

  8. Ali March 21, 2018 at 10:00 pm - Reply

    Will the supplementary cardholder also get their own Priority Pas + 6 lounge access or is it only for the primary cardholder? Thanks.

    • Barry Choi March 21, 2018 at 10:41 pm - Reply

      Hi Ali,

      It applies to the primary cardholder only.

  9. Ken Cooke March 28, 2018 at 8:35 am - Reply

    Does the priority pass extend to my spouse as she has a secondary card or would I have to pay for her to use lounge privileges?

    • Barry Choi March 28, 2018 at 8:50 am - Reply

      Ken,

      If you’re travelling with her, I believe you could use the lounge passes for her.

      If she’s travelling alone, I don’t think the Priority Pass membership would apply to her. I’m not 100% sure on this so I would check with Scotiabank directly (I’m literally sending them an email right now).

  10. Windy April 8, 2018 at 8:29 am - Reply

    If I am planning to travel in three weeks, will I get the card and the lounge pass in time before I leave? I apply for the home trust cards 4 weeks ago, just not sure if it will come in time.

    • Barry Choi April 8, 2018 at 8:31 am - Reply

      Windy,

      After you’ve submitted your application, just call them and let them know about your situation and they’ll likely rush you the card. As for the lounge passes, I’m not sure if they come with the card, so you would need to ask them.

  11. Sandra April 11, 2018 at 1:06 am - Reply

    I just got this card. It comes with signup authorization for Priority Pass. You have to wait for the Scotiabank card to arrive and go online to Priority Pass to sign up. They will give you immediate electronic membership verification and will send out a physical Priority Pass card in the mail about three business day later. You can use the electronic membership record in the meantime, but it is only accepted at some locations. The Scotia card took about 1.5 weeks to arrive at my house; I signed up for Priority Pass a week ago and am still waiting for that card to arrive.

    • Barry Choi April 11, 2018 at 10:35 am - Reply

      Sandra,

      Thanks so much for the info. The Priority Pass app should be accepted at all lounges, but I could be wrong. If I recall correctly, the physical Priority Pass card takes some time to arrive.

  12. Dave Beckett April 11, 2018 at 4:34 am - Reply

    It’s not completely clear to me how the Scotiabank cards are rated as highly as they are. I recently got a Rogers m/c which charges 2.25 fee on foreign transactions…but pays me 3% cash back on those transactions netting me 3/4 % cash for the transactions. That combined with 1.25% on other transactions + a 29$ annual fee makes the card very attractive. I also carry a Tangerine cash-back card and receive 2% back on groceries, restaurants and reoccurring bills (the only categories I use the Tangerine card for).

    End result is I receive a fairly good rate of return on my spends that does not have to be dedicated to ‘travel’. Am I missing something?

    • Barry Choi April 11, 2018 at 10:25 am - Reply

      Dave,

      I believe the foreign transaction fee is 2.5% for the Rogers so you get .5% back. The annual fee is being dropped as of May 23rd. You’re not wrong about your assessment of the card, it’s just a personal preference. The Scotiabank is more of a travel card and comes with great benefits (insurance and lounge access). Using the Rogers card and Tangerine card is a good mix.

  13. Catherine Collins April 11, 2018 at 6:58 am - Reply

    I just got a Home Trust Preferred Visa which has no foreign transaction fees, the card is FREE, you earn cash back and it has rental care CDW to boot. Id say it was a pretty good deal.

    • Barry Choi April 11, 2018 at 10:27 am - Reply

      The Home Trust card is a good choice if you want no fees. The Scotiabank card is excellent if you’re looking to earn rewards and have additional benefits.

  14. AdMan April 17, 2018 at 2:28 pm - Reply

    I ordered the Home Trust VISA card and after applying it said it will take 4+ weeks to get the card due to the fact they are so busy.

    So then I ordered the Scotiabank VISA and had it in 5 days – you have to go to a bank to get it.

    Having 2 VISA cards might be a dumb move. I read recently that when you cancel a card, even if you’ve been a good client, that the card company reports it to the credit bureau and it may give you problems.

    • Barry Choi April 17, 2018 at 2:35 pm - Reply

      When you cancel a card, your credit score may take a small hit, but it’ll go back up so I wouldn’t worry too much about it.

  15. David Beckett April 18, 2018 at 3:03 pm - Reply

    No intention of shilling for Rogers, but I just received an offer to upgrade to their newest offering which comes with 4% cash back on foreign currency purchaes, 1.75 on all other purchases, plus a range of added insurances (car/trip/warranty extensions etc). So basically back to what the card was originally but with the addition of the insurances and the elimination of the annual fee. If you’re like me and have a fair number of purchases outside Canada, I’m not I can find a better deal than that.

    • Barry Choi April 18, 2018 at 4:32 pm - Reply

      Hey David,

      Yes Rogers alerted me to this card and it’s essentially an upgraded version of the current card. When the Rogers World Elite Mastercard is released, the current Rogers card will be devalued. Since it’s a World Elite Card, it does have an $80K annual income requirement.

      I wasn’t a big fan of Rogers cards before, but this one is actually pretty decent. I plan on writing about it later.

  16. Michael April 23, 2018 at 8:43 pm - Reply

    I don’t currently carry any Scotia Rewards card, but how do the points work out in terms of flight? I know Aventura, Aeroplan costs me 75k points to get to ASIA, but Asia Miles is only 60k points… therefore something like the RBC Avion sounds more attractive in terms of flight point costs…. Whats your opinion?

  17. Barry Choi April 24, 2018 at 1:52 am - Reply

    Hi Michael,

    100 Scotiabank Rewards points = $1 in redeemable travel so it’s like a cashback program.

    You can use Scotiabank’s travel agency to book your flights or simply call in to claim your points after charging your travel your credit card.

    So basically if you apply for this card, you would instantly get $111 off any flight ($250 in points minus $139 annual fee) + lounge passes and insurance.

    If you found this info useful, please consider using my referral link.

  18. Cait May 23, 2018 at 10:02 am - Reply

    Can I use Scotia rewards points to pay for taxes on an Aeroplan redemption? ie. are taxes on a flight reward considered ‘redeemable travel’? I mean, I’m paying the taxes because I booked travel so it should work?

    • Barry Choi May 23, 2018 at 10:32 am - Reply

      Hi Cait,

      From what I understand, that would qualify since it would be Air Canada or Aeroplan making the charge. That being said, I would still check with Scotia to confirm.

  19. Nelson May 25, 2018 at 12:39 pm - Reply

    what attracts me is the 10 day medical coverage for people over 65 and it has no upper age limit. i have a servus credit union master card now and it covers 15 day till age 74. i am considering to get this card as i have been pre-approved. i also like the 6 free airport lounge visits.

    • Barry Choi May 25, 2018 at 1:08 pm - Reply

      Nelson,

      Yes, good catch. The travel insurance benefits of this card are quite impressive. 6 free lounge passes are the most you’ll get from a credit card with a fee of $150 or less.

  20. George June 8, 2018 at 10:56 am - Reply

    Scotia Momentum Visa Infinite pays 4% cash back on grocery and gas purchases, 2% on drugstore purchases, with annual fee of only $99. Belongs on list of best credit cards.

    • Barry Choi June 8, 2018 at 10:57 am - Reply

      George,

      Yes, it’s a great card for the multipliers. The downside is that it doesn’t have a big signup bonus.

  21. Pylin June 10, 2018 at 11:03 am - Reply

    This post and thread is so helpful thanks everyone! Related to one of the comments here, does it make sense to have BOTH Scotiabank Gold Amex AND this Scotiabank Passport Visa Infinite Card?

    I like the former for the multiplier but the latter for the no foreign transaction fee. But there are annual fees for both (yes first year the latter card the fee is waived after spending a certain amount, but if you have it multiple years, then you will have to pay the annual fees). I plan to go on a year-long world travel in May of 2019 so wondering if I should wait to get the Visa closer to when I’m leaving vs get it right now (as I have the Scotiabank Gold Amex right now and for the past 2 years).

    Btw: redeeming points of the Scotiabank Gold Amex is SO EASY 🙂

    thank yoU!

    • Barry Choi June 10, 2018 at 5:37 pm - Reply

      Hi Pylin,

      As you know, the Gold Amex has higher multipliers so its one heck of a card so should you get the passport card now or wait a year?

      I personally would get it now since you get 6 lounge passes every year and you get the signup bonus right away. Those 6 passes are worth more than the annual fee so you’re getting good value.

      Now, let’s say you personally don’t enjoy lounges or don’t mind sitting in the common areas in the airports. Well, you could simply apply for a different credit card with no foreign transaction fees such as the Home Trust Card or the Rogers World ELite Mastercard around the 8 month mark. By doing this, you’ll have plenty of time to get your new card before cancelling your Scotiabank card.

      If you want to read more about your other options, check out this post I wrote.

      https://www.moneywehave.com/canadian-credit-cards-without-foreign-transaction-fees/

      Also, please consider using my referral link if you plan on applying for the Scotiabank Passport card =D

      • Pylin June 10, 2018 at 6:11 pm - Reply

        Thanks Barry! I read your other post first before getting to this one 🙂 What I don’t like about the Home Trust card is it seems customer service isn’t their priority and as we all know, when there’s a problem it’s best to have a responsive customer service! (Scotiabank has been pretty good). As for the Rogers’ cards, I don’t use that many Rogers products to justify getting them because the points only go towards Rogers products, hence this Scotia Passport Visa seems to be the best fit. I also like that the points go towards the same Scotia points system with the Gold Amex.

        Good point about the 6 passes! I’m only planning on going to Iceland this year (2018) so I can use the lounge at Pearson but there doesn’t seem to be one it Reykjavik. But some vacations early in 2019 will come up for sure!

        So sounds like I should get the Passport Visa now in addition to my current Gold Amex so I’ll have both (and only spend with the Visa one for the first few months to ensure I get the sign up bonus). Will definitely be using your referral link because I learned all this from you!

        • Barry Choi June 10, 2018 at 7:34 pm - Reply

          Pylin,

          It’s true, Home Trust has questionable customer service, but once I got the card, I had no issues. That being said, their weird hours of 9-5 EST, Monday to Friday seems a bit silly.

          Both the Home Trust and Rogers World Elite Mastercard have no fees so they’re still worth considering. With the Rogers card, you can ask for a statement credit every December which gets applied to your account in January.

          To be truthful, I’m hoping a better no forex fee card comes out sometime in the next year. If one does, I’ll just get it.

          I definitely value lounge passes. Since you’ll be travelling in Europe next year, you can look up lounges in advance and use them at the airports where the lounges are highly rated.

          Thanks for using my referral and thanks for reading!

  22. Vu Nguyen June 16, 2018 at 12:19 pm - Reply

    Thank you for the review … I was looking for a card to be our main credit card replacing the Aeroplan for daily use, and this article helped me with my decision. I use credit card for almost all purchases, big and small, and pay it off at the end of the month. Main attraction of this card is to allow me to apply rewards to my (travel-related) purchases directly.

    I used your referral link. My application was approved in minutes.
    Thank you!

    • Barry Choi June 16, 2018 at 7:17 pm - Reply

      Hi Vu,

      Thanks for taking the time to leave a comment and for using my referral. The Scotiabank card is an excellent all-in-one card. Since you like to travel, the 6 yearly lounge passes are a nice bonus.

  23. Ajay July 4, 2018 at 3:18 pm - Reply

    Hi there

    If i fill gas in my car at a grocery store like Co-op or Safeway or superstore using this card, would it still qualify for 2x points? i am having difficulty determining if thats the case. please guide.

    • Barry Choi July 4, 2018 at 3:32 pm - Reply

      Hi Ajay,

      It depends on the merchant code. E.g. if the superstore gas station falls under the merchant code of Superstore, you’d get the 2X points. However, it’s possible that gas stations at grocery stores don’t fall under the same merchant code. It can also differ per location so it’s impossible to give you a definite answer.

      http://www.scotiabank.com/images/en/filespersonal/20600.pdf

  24. Trish August 3, 2018 at 4:45 pm - Reply

    I am an Canadian living in the US because and work here remotely. so my bank accounts are all in Canadian dollars and i get paid in Canadian currency. Since i live in the US, i feel like this card would be a better choice for me than getting a US credit card with my current bank which is TD bank. I was told with the TD US Credit card i would not pay the 2.5% visa fee but I would only pay the exchange rate for when I pay the card off using Canadian Dollars. Is Scotiabank card a better option for me? Would i still be paying more. Right now the US exchange and bank fees are killing me so I need the best card for my purpose so I am not losing a crap ton of money every time I make a transaction. Can you please give me some advice?

    • Barry Choi August 3, 2018 at 4:50 pm - Reply

      Hi Trish,

      Your fees with the Scotiabank card would be lowered compared to paying your USD TD card in Canadian dollars. You’d still pay a slight spread, but it would be much lower than 2.5%.

      Technically speaking the cheapest way would be to use a USD card and pay it in USD. However, as you’ve stated, you get paid in CAD so it’s better to use the Scotiabank card or the Home Trust Preferred card (this has no fees). There’s also the Rogers card to consider.

      https://www.moneywehave.com/canadian-credit-cards-without-foreign-transaction-fees/

  25. […] The Scotiabank Passport Visa Infinite Card has a nice signup bonus, but the earn rate of points is just a touch lower than other travel rewards cards. The card does have an annual fee, but the additional benefits do make it worthwhile. Obviously, no foreign transaction fees is a major win, the 6 annual airport lounge passes are 2 more than other travel reward cards, and then there’s the travel insurance. This is a very attractive card for those who want an all in one travel rewards card with no foreign exchange fees. Read my Scotiabank Passport Visa Infinite Card review now. […]

  26. Alex August 17, 2018 at 4:19 pm - Reply

    Hi there,

    Does the 2pts / $1 earned on grocery, dining, entertainment, and transit include spending in these categories outside of Canada?

    • Barry Choi August 17, 2018 at 4:53 pm - Reply

      ALex,

      I’m not sure about that, you’d have to check with Scotiabank.

  27. Lou September 13, 2018 at 12:05 pm - Reply

    Beware of ordering air tickets through Scotia Rewards. If they make a “mistake” and the fare is higher than you agreed to, you are obligated to pay whatever higher price they decide is correct.

  28. Frank September 20, 2018 at 12:57 am - Reply

    Thanks Harry for the informative read. I have applied and am approved for the card using your referral link (well deserved)
    The six lounge access, priority pass and travel benefits are great incentives for me!
    Thank you and keep up writing the good reviews!

    • Frank September 20, 2018 at 12:57 am - Reply

      I actually did write Barry!

    • Barry Choi September 20, 2018 at 5:34 am - Reply

      Thanks Frank!

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