You must apply by December 31, 2017 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 Optimum points are not earned on balance transfers unless otherwise specified. Please refer to your Cardholder Agreement and Card Carrier disclosures for further information.

President’s Choice Financial Mastercard convenience cheques will be posted to your account as a cash advance at your Cash Advance interest rate and, interest will be charged from the day the convenience cheque is posted to your account until the balance is paid in full. If your Account is in default as described in your cardholder agreement, the Default Interest Rate will be applied to the unpaid balance of your convenience cheques until such time as the applicable interest rate is changed with notice to you. If a convenience cheque exceeds the available credit limit on your President’s Choice Financial Mastercard account on the date that we process your convenience cheque, the convenience cheque may be returned unpaid. You can call 1-866-246-7262 at any time to check your available credit limit. Convenience cheques will not be processed if your President’s Choice Financial Mastercard account is not in good standing. If your convenience cheque is not processed because you have exceeded your credit limit or your account is not in good standing, you may be assessed a dishonoured convenience cheque fee. Convenience cheques may only be denominated in Canadian dollars. Stop payments are not allowed on convenience cheques. Convenience cheques may be used wherever personal cheques are accepted. PC Optimum points are not earned with the use of convenience cheques unless otherwise stated. Convenience cheques may not be used to pay your President’s Choice Financial Mastercard account or any other President’s Choice Financial accounts. Please refer to your cardholder agreement and card carrier disclosures for further information regarding rates, fees and how payments are applied.

Concierge Services are provided by Assurant Services Canada Inc. (ASCI). Details of what is included as part of this service is outlined in the Terms and Conditions sent with your card.

Car Rental Collision/Loss Damage Waiver Insurance is underwritten by American Bankers Insurance Company of Florida (ABIC), and Travel Emergency Medical Insurance is underwritten by American Bankers Life Assurance Company of Florida (ABLAC). Concierge Services and Identity Theft Services are provided by Assurant Services Canada Inc. (ASCI). Details of your insurance and service, including definitions, benefits, limitations, and exclusions, are outlined in the Certificate of Insurance sent with your card. Keep your Certificate of Insurance in a safe place with your other valuable documents, and take it with you when you travel. ABIC, ABLAC, ASCI and their subsidiaries and affiliates carry on business in Canada under the name Assurant^®. ^®Assurant is a registered trademark of Assurant, Inc.

For purchases made on or before July 31^st, 2017 Certificate of Insurance for Purchase Assurance & Extended Warranty. 

For purchases made on or after August 1^st, 2017 Certificate of Insurance for Purchase Assurance & Extended Warranty