Protect your credit. Guard your identity. BENEFITS GUIDE

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1 Protect your credit. Guard your identity. BENEFITS GUIDE

2 Welcome to the Identity Watch Program Congratulations! You have taken an important step in safeguarding your identity from the impact of theft. Attempting to resolve identity fraud issues on your own can be complicated and time consuming. If a wallet belonging to you or a family member is lost or stolen, the Identity Watch team will respond immediately by canceling all registered cards, assuming all risk and responsibility for fraudulent charges, monitoring your credit and providing valuable fraud resolution services. This Benefits Guide describes the extensive range of services available to you as an Identity Watch Member and explains how you can get the most from your coverage. Enjoy peace of mind knowing that, with the Canadian Tire Identity Watch program, you are well prepared. Identity Watch Benefits Summary: CARD PROTECTION page 3 DAILY FRAUD MONITORING page 5 IDENTITY HOTLINE page 7 FINANCIAL ASSISTANCE page 9 BONUS! Valuable Traveler Protection and Member Convenience Services provided to you at no extra charge (pages 11 & 13). 1

3 CARD PROTECTION Secure Card Registration It s important that you register all credit, debit, charge and ABM cards belonging to you and your family* right away. This helps your Service Representative protect you if your cards are lost or stolen and allows you to be eligible for financial assistance benefits. Any new cards you obtain can be added to your registration at no extra charge. CODE RED Card Cancelation (24/7) If your registered cards are lost or stolen, ONE CALL CANCELS THEM ALL! We will contact your card companies and ask them to cancel every registered card and begin the replacement process. In some cases, such as a lost debit card, you may need to request the replacement directly from your financial institution. After we notify your card companies, we will send you a confirmation letter and a new card registration form. When your new cards arrive, register them with us right away. CODE RED CANCELATION: (toll-free, 24/7) Fraud Deterrent Labels A Fraud Deterrent Label placed on the inside of your wallet lets would-be thieves know right away that your cards are protected. 4 labels are provided for you and your family. 3

4 DAILY FRAUD MONITORING Daily Credit Monitoring When you call the Identity Watch Hotline to report a lost or stolen wallet, you ll immediately be offered 6 months of credit monitoring at no extra charge! This multi-bureau service will monitor your credit bureau files every business day for potential fraudulent activities such as loan applications or new credit card accounts taken out in your name. As soon as there is any suspicious activity, a fraud alert notification will be sent to you the next business day. The faster identity theft is discovered, the less damage a thief can do to your finances, your reputation, and your credit worthiness. If you lose your wallet, credit monitoring for fraud is a vital step to help protect your good name and provide you with peace of mind. Credit Report & Credit Score When you call the Identity Watch Hotline to report lost or stolen cards you can request this valuable service. You will receive a copy of your credit report and confidential credit score from a Canadian credit bureau, at no extra charge. Additionally, about 3 months later, you will receive an updated credit report and score. This will alert you to any potential fraud. 5

5 IDENTITY HOTLINE Victim Support Should you become a victim of identity theft, our trained Anti-fraud Specialists will explain the necessary steps required to help restore your credit. Our globally accessible support centre has extensive emergency service experience. Our experts will assist you in contacting credit reporting agencies, affected creditors, law enforcement, and much more. Our support centre is always there for you and not just when things go wrong. You can call anytime for identity protection advice. VICTIM SUPPORT HOTLINE: (Toll-free) Access to Credit Specialists A team of Credit Specialists is on hand to provide professional advice to Identity Watch Members. Since your credit rating is used by banks and other lenders to determine your credit worthiness, it s important to be well informed. Understanding the complexities of personal credit reports and scores makes it easier to manage your credit. Don t hesitate to call we re here to help. 7

6 FINANCIAL ASSISTANCE Emergency Cash Transfer If losing your cards while traveling leaves you without funds, we will wire up to $1,000 to a location close to you. This amount will be charged to a credit card you designate at the time of the request. To qualify, you must report your cards lost or stolen to the Identity Watch program. This amount will not be charged to your credit card until at least 30 days after it has been transferred to you. Related cost included in monthly or annual fees. Fraud Liability Protection One call cancels the risk! From the moment you call us to report the loss or theft of cards or cellular phones you ve registered with the Identity Watch program, we assume all risk and responsibility for fraudulent charges. Debit and ABM cards must be registered to qualify for this benefit. You must have taken reasonable precautions not to disclose your PIN numbers and kept your PIN numbers separate from your cards. $3,000 Card Theft Reward The Identity Watch program will pay $3,000 for information leading to the arrest and conviction of the card thief. This reward is intended to deter fraud and to help with the conviction of persons charged with fraud. See Membership Conditions for additional important details and conditions. 9

7 TRAVELER PROTECTION Emergency Airline Tickets Stranded away from home due to lost or stolen cards? Call us to report your loss and we will arrange for pre-paid airline ticket(s) to be waiting for you at the nearest airport. The tickets will be charged to a credit card you designate at the time of the request. Emergency Message Relay Traveling and need to contact someone at home due to a delay or emergency? The Identity Watch team will attempt to reach up to 3 people in Canada for you. We ll make up to 3 attempts to pass on your message. Travel Voic When traveling, a personal mailbox acts as a point of contact for you and anyone you designate. Once a year, you ll have up to 30 minutes of messaging for the time you are away toll-free within North America. Additional minutes will be billed at 25 per minute. Passport Expiry Reminder Register the expiry date of your passport with us and we ll notify you about 3 months in advance that your passport is about to expire. We ll even send you renewal forms. Pre-trip Travel Information Contact us for medical alerts, weather reports, currency data, travel advisories, and customs information before you leave. 11

8 MEMBER CONVENIENCE Important Document Registration Register important documents, such as passports, birth certificates, insurance policies, etc. In case of loss or a catastrophic event, one call will retrieve this information. Pre-Authorized Payment Change If you report your cards lost or stolen, we ll notify companies that you have credit card pre-authorized payments with (and that you ve registered with us) that the payments should be transferred to a new account. Cellular Phone Registration Register your cellular phone number and service provider with us. When you notify us that your phone is lost or stolen, we will assume any fraudulent charges, notify your carrier and ask them to suspend service. Lost Key Return Tags Upon request, we will send you 2 specially registered key tags to facilitate the return of your keys if they get lost. Change of Address If you move, we will notify card issuers, magazine publishers and up to 15 other parties of your change of address. Simply call us to request the appropriate form. Important Date Reminder Register up to 10 important dates with us and we ll send you a reminder about 1 month in advance of each date. 13

9 Identity theft... a growing concern Guarding yourself against identity theft As one of the fastest growing crimes in the country 1, identity theft affects Canadians daily. Reported cases rose 63% in 2003 in North America 1. In fact, more than 1 in 10 Canadians has been a victim of identity theft, and 38% know someone who has been a victim 2. More than 1 in 10 Canadians has been a victim of identity theft It s a criminal activity that can be hard to detect, and the longer it goes undetected, the greater the damage to your finances, your good name, and your hard-earned credit rating. Identity theft can be devastating. As a victim, you could face a long and costly process of closing bad accounts, opening new ones, and repairing a damaged credit record. You may even be denied jobs and loans. No identity theft program can guarantee you ll never be a victim of identity fraud. However, if it should happen to you, the Identity Watch program can help you take action quickly and restore your good name. 1 Phonebusters, The Canadian Anti-fraud Call Centre (RCMP & OPP, 2003) 2 Ipsos Reid Study (Feb. 2005) You have made a smart decision by enroling in the Identity Watch program. It is an excellent way to guard your identity and protect your credit. However, you should always stay alert. The following steps will further minimize the risk of identity theft: Don t give out personal information on the phone, through the mail, or on the Internet unless you ve initiated the contact or are sure you know who you re dealing with. Promptly remove mail from your mailbox. If you re planning to be away from home and can t pick up your mail, call Canada Post to request a vacation hold. Get a shredder and destroy any unneeded charge receipts, copies of credit applications, insurance forms, cheques and bank statements. Shield your computer from viruses and spies by updating firewall and virus protection software. If you suspect you are a victim of identity fraud, contact the Identity Watch Hotline immediately at The sooner you report any irregularities, the sooner we can help prevent further damage

10 MEMBERSHIP CONDITIONS IMPORTANT INFORMATION Your membership became effective when you enroled in the program. You are eligible for the benefits and services of the IDENTITY WATCH program as long as you pay your membership fee. Your membership fee will be automatically charged to the payment method you specified upon enrolment, at the then current price. If you are not completely satisfied with your membership, you may cancel within the first 30 days after the date you enroled. Your membership can be canceled without notice if you do not pay your membership fees. In addition, your membership can be canceled on 30 days written notice for any other reason. If your membership is canceled after the first 30 days and your membership is paid for on a monthly basis, all future monthly fees will be canceled; if you have an annual membership, you will receive a pro-rated refund for each full month remaining in your current membership term. Your membership will be canceled on the date it is processed. All dollar amounts in this Benefits Guide are in Canadian dollars. By paying your membership fee, you are deemed to have read and accepted the terms and conditions of membership set out in this Benefits Guide and related documents. The terms, conditions, services, benefits and prices of your membership in the IDENTITY WATCH program are subject to change at any time. You will be given advance notice of any changes. If after receiving notice of any change to your membership, you do not accept the new terms, you may terminate your membership in accordance with this Benefits Guide. You have requested that this Benefits Guide and related documents be drawn up in the English language. Vous avez demandé que ce guide des avantages et tous documents connexes vous soient fournis en anglais. Identity Watch services may be provided through third party service providers including service providers located in the United States. As a result, your personal information may be processed and/or stored in the United States, where it may be subject to disclosure under United States law. For more information, call Business Address: 555 Prince Charles Drive, Welland, Ontario L3C 6B5 * Family is defined as your spouse and dependent children up to the age of 21. Must be at least 160 km from home and have reported your cards lost or stolen to the IDENTITY WATCH program within 24 hours prior to request. Amount of funds transfer subject to available credit limit at time of request and account must be in good standing. IDENTITY WATCH members, their spouses, their immediate family and law enforcement personnel are not eligible for this reward. / The trademarks of Canadian Tire Corporation, Limited are used under licence. Personal Information Protection We value your privacy and will not release any of your information to any third parties (with the exception of those set out in this Benefits Guide and related documents) without your expressed permission. By becoming a member, you appoint Canadian Tire Financial Services Limited to act as your agent in notifying all the financial institutions and companies you have specified of any loss or theft, and where possible, to request replacement cards. How to Make a Request To report a lost or stolen wallet or for a member benefit inquiry call the Identity Watch Hotline at How to Contact Us Telephone: Canada/United States (Toll-free, 24/7) Worldwide (Collect) Mail: Membership Services P.O. Box 1700, Postal Station D Toronto, Ontario M9A 5C7 Online: 16 17

11 IMPORTANT: Affix Membership # Sticker from enclosed letter here. IW-BRO-03-08

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