President's Choice Financial^® MasterCard^®

These low cost extras offer peace of mind against the unexpected, like finding yourself on the side of a highway with a flat tire, losing a wallet full of credit cards, facing identity theft and more. Choose one or select them all.

Account Balance Protection - Standard

This insurance can cover your minimum payments on your President's Choice Financial MasterCard account and help protect your credit rating in case of disability, hospitalization or involuntary unemployment.

• Covers your minimum monthly payments for up to 24 consecutive months in case you become disabled, or you're involuntary unemployed.
• In case of death or accidental dismemberment of the primary cardholder or their spouse who is an authorized user on the account, balance is paid in full, up to $15,000.
• One minimum monthly payment is covered to a maximum of $500 for your hospitalization after 7 days.
• If your current month's statement balance is zero, so is your premium!
• Your premium appears on your statement.
• Try it risk free for 30 days!
  - you can cancel anytime, and if you cancel within the first 30 days of your coverage becoming effective we'll refund any premiums charged.

Only 99¢ (plus applicable taxes) per $100 of your current month's statement ending balance
Important information about Account Balance Protection - Standard, including limitations and exclusions
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Account Balance Protection – Involuntary Job Loss only

This insurance can cover your minimum payments on your President's Choice Financial MasterCard account and help protect your credit rating in case of involuntary job loss.

• Covers your minimum monthly payments for up to 20 consecutive months in case of involuntary unemployment.
• If your current month's statement balance is zero, so is your premium!
• Your premium appears on your statement.
• Try it risk free for 30 days!
  - you can cancel anytime, and if you cancel within the first 30 days of your coverage becoming effective we'll refund any premiums charged.

Only 79¢ (plus applicable taxes) per $100 of your current month's statement ending balance
Important information about Account Balance Protection– Involuntary Job Loss, including limitations and exclusions

Additional Account Balance Protection Insurance plan options may be available. For complete information regarding Account Balance Protection options please call 1 866 246 7262 to speak with a representative.

Roadside Assistance

Get a boost, a tow, directions or a lift home – regardless of who is driving!

• For new registrations effective November 1^st 2011 emergency local towing up to 10 km. Current customers get emergency local towing up to 40 km, until their next renewal date on or after November 1, 2011.
• If your vehicle is disabled more than 250km from your home, the vehicle return service tows your vehicle anywhere within 350 km and you'll be covered up to $700 ($350 per person) for accommodation, meals and vehicle rental or commercial transportation to your destination.
• Emergency winching if your vehicle is stuck in mud, sand, snow or a ditch.
• Free delivery of fuel (you pay the cost of the fuel).
• Get a flat tire replaced with your spare.
• Service call reimbursement up to $100 if you have to pay a local service provider.
• Travel mapping service to anywhere in Canada and the continental USA, plus information on hotels, local attractions and areas of interest.
• Covers private passenger vehicles such as cars, minivans and light utility trucks. However, vehicles such as trucks over one half ton, full size vans and motor homes, motorcycles and vehicles with trailer attached are not covered.

$69.97 Annual fee for one vehicle and $99.97 for two vehicles
(plus applicable taxes)
Important information about Roadside Assistance
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Identity Restoration

Get Identity Restoration today to help protect yourself against identity theft in the future.

• Receive expert information on how to reduce the risk of identity theft before it happens.
• When you suspect your identity has been stolen or compromised, save yourself a lot of time, money and aggravation by having a professional fraud investigator work on your behalf. Your investigator will verify the type of fraud, and explain to you your rights.
• When a case of fraud is confirmed, you'll be sent a detailed information packet with easy instructions, along with important forms for you to complete and send back.
• An essential form called a Limited Power of Attorney, provides your investigator the permission to review your credit history and work with various institutions on your behalf.
• Your investigator provides the necessary guidance on what the steps to take, and then helps lead the case in resolving disputes with credit bureaus, creditors, collection agencies, utility companies, government agencies, banks, and any other institutions involved.
• Please note: Identity Restoration can not be purchased after an identity theft incident.

$4.97 per month (plus applicable taxes)
Important information about Identity Restoration
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Card Registry Service

Don't lose your cool if you lose your wallet. If you've registered your President's Choice Financial MasterCard, plus all your other credit cards, Card Registry Service will take care of the rest.

• All registered credit cards that are lost or stolen will be cancelled and replacements requested on your behalf.
• Other important documents and information, like your driver's license, passport and the serial numbers of your valuables, can be registered and kept on file and accessed with just one call.
• Service available worldwide, 24 hours a day, 7 days a week.
• Any pre-authorized deductions from your PC Financial MasterCard that you have registered will be stopped.
• If you move, your Card Registry service will handle your address changes for all registered credit cards.

Just $24.95 per year (plus applicable taxes)
Important information about Card Registry Service
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As a PC Financial^® MasterCard cardholder, you'll also enjoy these additional free premium benefits:

• Receive up to an additional four individually personalized PC Financial MasterCard cards on your account for family members free of charge.
• Order free personalized convenience cheques to pay for products and services at places that don't accept credit cards.
• Use your card to get free Extended Warranty – it doubles the manufacturer's regular warranty for up to an additional year (read legal details).
• Enjoy free Purchase Assurance - it protects your purchases against theft, loss or damage for 90 days when you pay in full with your PC MasterCard (read legal details).

Why pay as much as 28.8% interest for retail store cards? New President's Choice Financial MasterCard cardholders get a rate of 0.97% for 6 months on balance transfers that they transfer from other high interest credit cards.

Apply by January 3, 2013 to take advantage of this offer.

See Balance Transfer Details

Use your PC MasterCard everywhere you shop and you'll earn PC points toward free groceries, Joe Fresh Style™ fashions, home furnishings and more. Here's how:

How to Redeem your PC Points

• You can begin redeeming once you have earned 20,000 PC points – that's $20 in free groceries! Or redeem higher amounts in further increments of 10,000 PC points (which is equivalent to a further $10 in rewards).
• Just present your President's Choice Financial MasterCard or bank card at the check-out at participating stores where President's Choice^® products are sold and tell the cashier that you're redeeming your PC points.

Redeem your PC points for T&T Supermarket gift cards

• Now you can redeem your PC points for T&T gift cards. Simply call
  1 866-PC POINTS (727-6468) and ask to redeem*** your PC points for a T&T gift card. Your T&T gift card will be mailed to you.

* Minimum redemption is 20,000 PC points (worth $20 in free rewards) and in increments of 10,000 PC points thereafter. PC points are not redeemable against the purchase of tobacco, lottery tickets, alcohol, prescription medication, milk in Quebec, or any products or services prohibited by law or as we determine from time to time.

** If your application is approved and an account is opened for you, you will receive 5,000 PC points for having applied online once you have activated your new President's Choice Financial MasterCard and made your first purchase within 6 months of account approval. 5,000 PC points for online applications awarded one-time only to new customers on their first President's Choice Financial MasterCard account. This offer may be terminated or changed at any time without notice.

*** Minimum redemption is 20,000 PC points (worth $20 in T&T gift cards) and in increments of 10,000 PC points thereafter. PC points may also be redeemed at participating stores where President’s Choice products are sold.

Once you receive your new PC Financial MasterCard in the mail, register here to create a secure password and security questions. Then, every time you visit pcfinancial.ca, use your password to sign in and access your account where you can:

• Request a PIN reminder or a customized PIN so you can more easily access cash at bank machines at home and around the globe.
• Quickly review a summary of your account and your recent transactions anytime.
• Review all your transactions going back a minimum of 6 months.
• Order free, personalized convenience cheques.
• Update your e-mail preferences under "Manage Options" and control the information you receive by e-mail.

Register for eStatements

Instead of having your statements mailed to you each month, save paper and register for electronic statements.

• Have your statements available online on our secure website.
• Receive e-alerts when your statement is ready, and if you choose, when your payment is due.

How to use your Chip Card

For added protection against counterfeit and unauthorized use of your card, new and reissued PC MasterCard cards come with a microchip built in for enhanced security. Here’s what you should know when using your chip card:

• When you use a chip terminal to pay for something, you will be prompted to insert your card into the device and leave it there throughout the payment process.
• The information on the chip has enhanced security features to help keep you protected.
• If you have any questions about how to use the terminal, just ask the merchant.
• You will still need to sign for your purchases at most merchant locations.
• Please note, the chip terminal at certain merchant locations will display "PIN BLOCKED". If you press "OK" on the keypad, this will allow the transaction to go through.
• As the primary cardholder, you can continue to use your existing PIN at bank machines as before. However, additional cardholders on your account will receive a new PIN in the mail a few days after receiving the new card.
• For non-chip devices you can continue to swipe your card as before.
• Your card still has PayPass™ capability, so you can continue to Tap & Go™ at outlets with a PayPass terminal.

Paying your PC MasterCard account is simple and easy. Here's what you should know:

• If there is a balance on your account, you will be required to make monthly payments.
• You will receive monthly account statements and you must pay at least the minimum payment by the due date shown on your account statement.
• Payments must be made in Canadian currency.
• There are three ways to pay your MasterCard:
  
  1) Online, telephone, bank machine: Automated payments are your quickest and most convenient option. Online, telephone and bank machine payments at most major financial institutions are credited the same day provided you make your payment by 5pm CST on a banking day. These payments are reflected on your online summary 2-3 days afterwards.
  
  2) Mail in: Use the return envelope that may be included with your mailed statement to make a payment by mail. If using your own envelope, address it to: President's Choice Financial MasterCard, P.O. Box 4405, STN A, Toronto, ON, M5W 5Y6. Be sure to include the top portion of your statement along with your cheque or money order payable to "President's Choice Financial MasterCard". It can take 7 to 10 business days for President's Choice Financial MasterCard to receive payments through Canada Post. Payments are posted to your account the day President's Choice Financial MasterCard receives the payment, so make sure you've allowed enough time for your payment to arrive.
  
  3) In-branch: If you bank at one of the following institutions, you can make payments at your local branch (or bank machine, if applicable.) Cardholders may pay in-branch, over the counter, at the following financial institutions; however, these financial institutions may charge a fee for the service. The service provided is at the discretion of the financial institution and may take up to 10 business days to reach President's Choice Financial MasterCard. Payments are posted to the cardholder's account the day President's Choice Financial MasterCard receives notice of the payment.
  
  
  • ATB Financial
  • Bank of Montreal²
  • Canadian Imperial Bank of Commerce²
  • Desjardins
  • HSBC
  • Laurentian Bank²
  • National Bank²
  • RBC Financial Group
  • Scotiabank
  • TD Canada Trust
  • Most credit unions
  
  ²Even if you're not a customer of this MasterCard issuing institution, you can still make in-branch payments.

Lenders use credit bureau reports to decide whether or not you qualify for a mortgage, loan or credit card. So it's important to review your own credit information to ensure it's accurate.

Equifax Credit Report™

• Your online Equifax Credit Report gives you a detailed account of your personal credit history so you can make sure it's correct and up-to-date.
• Details on all the credit cards and loans opened in your name – a great way to ensure no identify theft has occurred!
• Information on which companies are currently assessing your credit.
• Easy-to-read, easy-to-print format.

One-time fee of $15.50 lets you access this information online anytime for up to 30 days (report does not update)
Purchase now at www.equifax.ca

Score Power™

• Know where you stand with lenders! Get your credit score online, and see the same information lenders use to determine your credit-worthiness.
• Get your credit score, a personalized score analysis, and tips on what you can do to manage your score over time.
• Find out what affects your score the most.
• See how you rank nationally among other consumers.
• Also included: your individual Equifax Credit Report, which details your personal credit history and more.

One-time fee of $23.95 lets you access all this information online anytime for up to 30 days (report does not update)
Purchase now at www.equifax.ca

Other credit bureau site in Canada
Trans Union of Canada

Annual Interest Rates

Purchases rate in effect when your account is approved: 19.97%

Cash Advance rate in effect when your account is approved: 21.97%

Promotional balance transfers: 0.97% for 6 months for balance transfers¹ made within 90 days of account approval

We may, with prior notice, increase your Purchases and Cash Advances rate to the Performance rate of 24.95% following a review of:

• Your account use (including whether you exceeded your credit limit or had any dishonoured payment transactions), or
• Your credit bureau reports and credit history.

Your interest rates will increase to the Default rate of 24.97% if you:

• Do not make the minimum payment by the due date for two consecutive months, or
• Are not in full compliance with the terms of your cardholder agreement.

Interest-Free Grace Period - 21 days

A minimum of 21 days for new Purchases (meaning purchases which have not appeared on any previous statement) if you pay your entire current statement balance in full by the applicable due date, otherwise interest is charged from the transaction date.

The interest-free grace period does not apply to Cash Advances (which include balance transfers and convenience cheques), and interest is charged from the transaction date.

Minimum Payment

Any past due amounts, plus: your statement balance if $10 or less, or the greater of
(a) $10
(b) 2.2% of your total statement balance, or
(c) the interest charges and fees billed on the current statement plus $1.

Foreign Currency Conversion - 2.5%

For foreign currency transactions, the foreign currency conversion markup percentage charged is 2.5% of the amount of the charge or credit transaction as converted first into U.S. dollars and then into Canadian dollars at the current exchange rates on the transaction date.

Annual Fee - None

Other Fees - To be charged on the day the transaction occurs:

Cash advance in Canada other than at President’s Choice Financial and CIBC bank machines: $2.50
Cash advance outside Canada: $5
Overlimit charge if over the credit limit on statement date: $20 (As of May 2012 statements, $25)
Cash equivalent transaction (such as for a wire transfer or money order): 1% (minimum $5, maximum $10)
Dishonoured payment or convenience cheque: $25
Copy of a sales draft or previous account statement: $10
Credit balance refund made by cheque: $20

¹Balance Transfers for new accounts: You must apply by January 3, 2013 in order to be eligible for the current promotional balance transfer offer of a 0.97% interest rate for 6 months. Offer is available to eligible new customers only, within 90 days of your President's Choice Financial MasterCard account ("Account") approval. This offer may be changed, extended or cancelled without notice. Promotional interest rate is annual and applies, unless your Account is in default, only to the transferred amount for 6 months after the transaction date, after which the cash advance interest rate applicable to your Account applies to any remaining balance until the balance is paid in full, unless your Account is in default. Balance transfers are treated like cash advances and interest is charged from the date the transfer occurs, which may be up to 30 business days from your activation of the Account. Continue making your minimum payments on accounts from which you are transferring until the balance transfer amounts are credited to those accounts in order to avoid late charges and penalties. If the total amount to be transferred is more than your available credit limit, President's Choice Bank ("PC Bank") may send your creditors either full or partial payment up to the amount of your available credit limit. PC Bank reserves the right to limit the number and amount of balance transfers and to decline them for any reason. Balances from other President's Choice Financial accounts are not eligible to be transferred. Stop payments are not allowed. PC points are not earned on balance transfers unless otherwise specified. Please refer to your Cardholder Agreement and Card Carrier disclosures for further information.