1. Merchandise scotiarewards.com

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "1. Merchandise scotiarewards.com"

Transcription

1 TERMS AND CONDITIONS A. Participation Requirements and Use of Personal Information The Scotia Rewards program is automatically available to all ScotiaGold Passport VISA* Cardmembers and ScotiaGold Passport for business VISA* Cardmembers with accounts in good standing 4. The program is offered at no extra cost to you, and no application or enrollment is required. As a Scotia Rewards member, you will receive program communications containing updates and special offers as part of the Scotia Rewards program. As a customer of Scotiabank, the Scotiabank Group Privacy Agreement safeguards your privacy. B. Earning Scotia Rewards Points The program is based on a points system. You are awarded one Scotia Rewards point for every $1.00 in purchases of goods and services charged to your ScotiaGold Passport VISA account and/or your ScotiaGold Passport for business VISA account. Points are not awarded for cash advances, Scotia VISA cheques, Scotia Rewards Credit and Investment Dollars, returns, payments, annual membership or card fees, interest charges or service transaction charges 2. Scotia Rewards points will be added to your ScotiaGold Passport VISA account and/or your ScotiaGold Passport for business VISA account, whichever is applicable, shortly after a debit transaction has been posted to your account, and will be deducted from the appropriate VISA account shortly after a credit transaction for returned merchandise has been posted to your account. In addition, Scotia Rewards points on your ScotiaGold Passport VISA account or your ScotiaGold Passport for business VISA account will be adjusted shortly after an adjustment for previously billed charges has been posted to your account. Purchases made by authorized supplementary cards will earn points for the account of the principal Cardmember. There will be one set of points for purchases made through all the authorized cards issued on any given account. Every month, your ScotiaGold Passport VISA statement and/or your ScotiaGold Passport for business VISA statement will detail the number of points earned since your previous statement, the balance of points carried forward from a previous statement, the number of points exchanged for rewards or adjusted, and your new points balance. You can also get your points information by registering and logging into scotiarewards.com where your points balance will be updated daily. Cardmembers who redeem Scotia Rewards points are responsible for declaring the total value of the merchandise (including Gift Cards and Scotia Rewards Dollars), travel rewards received to the appropriate tax authorities. C. Point Combining Scotia Rewards points are non transferable from one ScotiaGold Passport VISA account to another person s account. However, as a borrower or co-borrower, if you have more than one eligible account, you may combine the accumulated points, provided your accounts are in good standing 4 and the Cardmember s name and address are the same on both accounts. ScotiaGold Passport for business VISA Cardmembers who also carry a ScotiaGold Passport VISA card will have the option of combining their points. If you are a borrower or co-borrower and are eligible to redeem points on both cards, you may combine points from your ScotiaGold Passport for business VISA card with your ScotiaGold Passport VISA card, provided your accounts are in good standing 4 and the Cardmember s name and addresses are the same on both accounts. All lending requirements must be up to date and not be delinquent or over limit. Supplementary cardholders CANNOT merge or redeem points. Cardmembers must contact in order to pool points for redemption.

2 Scotia Rewards points are not transferable from your ScotiaGold Passport VISA account and/or your ScotiaGold Passport for business VISA account to another person's account. Upon the death of a borrower or co-borrower, and after verification and confirmation by a Scotiabank branch, the surviving borrower or co-borrower or in the absence of a surviving borrower or co-borrower, the estate can redeem the outstanding points within 60 days of closure of the account(s) 5, provided the account(s) is in good standing 4, after which the unredeemed points will be deleted permanently. Redemptions for Luxury Retailers will not be accepted on closed accounts For joint accounts, the co-borrower could redeem the points within 60 days of the closure of the account(s), provided the account(s) is in good standing 4, or request the transfer of points to a new ScotiaGold Passport VISA account or ScotiaGold Passport for business VISA account, provided the account(s) is in good standing 4. D. Reward Redemption for Closed Accounts Should you decide to cancel your ScotiaGold Passport VISA account and/or your ScotiaGold Passport for business VISA account, you may redeem any unused Scotia Rewards points within 60 days of closing your account(s), provided your account(s) is in good standing 4. When your account has been closed, you will not be able to use it to redeem for travel rewards using the "Points Plus ScotiaGold Passport VISA card or ScotiaGold Passport for business VISA card" option or the "ScotiaGold Passport VISA card or ScotiaGold Passport for business VISA card Only" option as the cancelled VISA card is no longer valid to be used for payment. Redemptions for Luxury Retailers will not be accepted on closed accounts. After 60 days, all unredeemed points will be deleted permanently. Points accumulated on an account that is not in good standing 4 will not be eligible for redemption. E. Rewards Availability All reward items shown in the Scotia Rewards Catalogue are subject to availability. If the ordered item has been discontinued, a similar item of equal value will be substituted whenever possible. If a suitable substitution is not available, the Scotia Rewards points used will be credited back to the appropriate VISA account, and you will be contacted and advised to make another selection. If an item is temporarily out of stock, you will be notified and advised of the anticipated delivery date. The items received may not be exactly as illustrated in the Catalogue or website, due to the fact that manufacturers sometimes change models or the displayed articles are in limited quantities. F. Merchandise, Scotiabank VISA Prepaid Cards, Gift Cards, Scotia Rewards Dollars and Precious Metals Allow 4 to 6 weeks for delivery. All rewards are delivered to Canadian street addresses only. Rewards will not be delivered to a P.O. Box, US address or International address. The Bank and the Scotia Rewards Centre are not responsible for any merchandise, Gift Cards or Scotia Rewards Dollars that are lost or stolen after delivery. 1. Merchandise Merchandise items will be sent via pre-paid delivery to the address you specify with your order. Please note we do not ship to P.O. Boxes. It may be necessary for you to make appropriate arrangements for receipt. You can track your reward shipment online through the Shipping Tracking Number when you log on to scotiarewards.com and select your Order History. Every attempt will be made to deliver the order as quickly as possible. However, we are not responsible for delays due to a union dispute, postal disruption or any other valid reason. Where applicable, merchandise rewards are delivered with the Manufacturer Warranties and Service Policies. Retain all documents for your records. The Purchase Security and Extended Warranty Protection Plans on your ScotiaGold Passport VISA card and/or your ScotiaGold Passport for business VISA card extend to the Scotia Rewards program under the Terms and Conditions of the specified insurance policies 6. In the event that the item ordered arrives damaged or is missing pieces, please contact the Scotia Rewards

3 Centre immediately at Items will be replaced without charge, if reported to the Scotia Rewards Centre within 48 business hours of receipt. It is important to inspect the delivered parcel upon receipt for any apparent damage, and to save the packing materials for inspection and possible return. If the package is damaged, note the damage on the delivery receipt before you sign for the merchandise. If damage to the ordered item is noticed after opening the packing materials, or if missing parts are noticed, immediately call the Scotia Rewards Centre before you take any action and they will provide instructions for returning the item. 2. Scotiabank VISA Prepaid Card For instructions on how to redeem for Scotiabank VISA Prepaid Cards and to review the Cardholder Agreement, please visit scotiarewards.com. Scotiabank VISA Prepaid Cards are subject to the terms of the Cardholder Agreement. Using the Card: You may use your Card only in the manner and for the purposes described in the Cardholder Agreement. Use of the Card is limited to the stored value balance of the Card from time to time. The Card may be used to purchase goods and services at merchants that accept VISA cards as a form of payment. You may not draw on the stored value balance of the Card through the use of cheques. Please note that this card does not allow cash advances from any bank or Automated Banking Machine. You are responsible for all authorized transactions initiated by the use of your Card and for all losses as set out in the Cardholder Agreement. If a negative stored value balance is created in error on your Card following any transaction initiated or authorized by you, you agree to repay the amount of the negative stored value balance to us within ten (10) days of such transaction. Other restrictions to the Card are: a. You may not use your Card for any illegal purpose or transaction and any such transaction may be declined; b. You may not make pre-authorized regular payments through the use of your Card; c. You may not use the Card at an Automated Banking Machine; d. You may not add funds to the stored value balance of the Card as only the Card Sponsor may do so; and e. You may use your Card for online transactions and at unattended terminals, however, due to certain security features, we cannot guarantee your Card will be accepted on every website or unattended terminal. We are not liable to you for declining authorization for any particular transaction, regardless of our reason. Cardholder Fees: You will be charged the following fees to your Card as outlined below: a. Replacement of a lost or stolen Card: $20.00 per replacement card; b. Expiry fee: If there is a Balance when the Card expires or is cancelled, a charge will be applied equal to the balance on the Card; c. Call Fee: No Charge for the first call. A $.50 charge will apply for all subsequent calls to Berkeley Payment Solutions ; d. Customer service call with a live agent: A $2.00 charge will apply for all calls to Berkeley Payment Solutions Your Liability for Unauthorized Use or Lost and Stolen Cards You will inform Berkeley immediately by telephone and in writing about any actual or suspected loss, theft or unauthorized use of your Card. Berkeley Payment Solutions toll free number is You agree that we may assume you have authorized all transactions unless you tell us otherwise. If your Card is lost or stolen, you will not be liable for any unauthorized use. If you have previously authorized someone to use your Card, and have subsequently withdrawn your authorization, you will continue to be liable for all debts incurred by their use until they have been surrendered to the Bank.

4 3. Scotia Rewards Dollars You can redeem your points toward Scotia Rewards Investment and Credit Dollars, online on through the Scotia Rewards Centre, issued in increments of $100 (minimum order $200). These Scotia Rewards Dollars may be used as a credit toward Scotia investment or credit products as defined below: Scotia Rewards Investment Dollars Can be used toward the following Scotia investment products only; Scotia Tax-Free Savings Account, Scotia Mutual Funds, Scotia RESPs, Scotia 1-5 year GICs, Scotia Stock-Indexed GICs, as well as most investments available through ScotiaMcLeod and ScotiaMcLeod Direct Investing. You may have to provide a cash balance, in addition to the Scotia Rewards Investment Dollars, in order to meet the minimum requirement of some investments. Scotia Rewards Credit Dollars May be redeemed at any Scotiabank branch by the bearer (not necessarily the Cardmember) as payment toward Scotia Mortgages, Scotia Plan Loans, Scotia VISA accounts, ScotiaLine Personal Lines of Credit and ScotiaLine VISA accounts. Scotia Rewards Dollars may not be used to deposit funds in savings/chequing accounts or cashed at the counter. Scotia Rewards Investment and Credit Dollars must be used in their total face value on one occasion only. All Scotia Rewards Investment and Credit Dollars are subject to expiration as indicated on the front of the Scotia Rewards Dollars. 4. Scotiabank Precious Metals To redeem for Gold Bars and other Precious Metals: i. Purchase your Gold Bars and other Precious Metals at any Scotiabank Branch nearest you; ii. Call Scotia Rewards at for reimbursement; iii. Provide proof of purchase in the amount being used for reimbursement of points by faxing in the stamped Scotiabank branch order form to ; iv. Points will be adjusted immediately; v. Reimbursement on ScotiaGold Passport or ScotiaGold Passport for business VISA Card(s) will be processed within 5-7 business days of receipt of the fax. All precious metal redemptions can only be made through a Live Agent by calling Scotia Rewards at All precious metals redeemed through the Scotia Rewards Program will be nonrefundable and non-exchangeable. A faxed copy of the proof of purchase will be required for full reimbursement. The point value for redemption will be based on the purchase price of the Metal including any administration and/or delivery fees through your Scotiabank Branch. There will be a 5-7 business day turn around for total reimbursement and point adjustment for the redemption of precious metals. All reimbursements for precious metal redemptions will be credited on your ScotiaGold Passport or ScotiaGold Passport for business VISA Card(s) regardless of method of purchase. When redeeming points towards Gold Bars & Precious Metals, a minimum of 5,000 points must be redeemed. Redemptions for cash back rebate reimbursement rewards i.e. Precious Metals will not be accepted on closed accounts. Points value conversion rate: 130 Scotia Rewards points = $1.00 Canadian. 5. Gift Cards Gift Cards will be sent via pre-paid courier delivery to the address you specify with your order. Terms and Conditions of Gift Cards are dictated by gift card issuers (retailers or service providers).

5 6. Luxury Retailers To redeem for Luxury Retailers: i. Purchase your goods at the featured Luxury Retailer in Canada on your ScotiaGold Passport VISA Card or ScotiaGold Passport for business VISA Card between August 1 st, 2011 and December 3 rd 2011; ii. your date of purchase, total including taxes and store location to or call Option 2 to provide these details (Purchase receipts dated from August 1st, 2011 to December 3 rd, 2011 will be accepted until December 17th, 2011 at midnight). iii. Points will be adjusted within 2 business days but may not appear on your statement for 2 cycles; iv. Reimbursement on ScotiaGold Passport VISA Card or ScotiaGold Passport for business VISA Card will be processed within 5-7 business days. Redemptions for Luxury Retailers will not be accepted on closed accounts. Points value conversion rate: 130 Scotia Rewards points = $1.00 Canadian. 7. Air Canada Maple Leaf * Lounge Pass Valid in the Air Canada Maple Leaf Lounges in North America, Europe and the Air Canada Arrivals Lounge at London Heathrow. Not valid in Star Alliance airport lounges or affiliated lounges operated by other carriers. Valid in conjunction with a confirmed same-day departing ticket for a scheduled flight operated by Air Canada or Air Canada Jazz for travel in North America including Hawaii, Mexico and the Caribbean. Lounge passes are non refundable and valid for a one-time visit to an Air Canada Maple Leaf Lounge. Lounge passes are transferable to another individual during valid period. Passes valid from: March February months. Passes will be shipped via pre-paid courier delivery to the address you specify with your order. For complete details on how to order, please visit us at scotiarewards.com. For more details and a list of eligible Maple Leaf Lounges, please visit: aircanada.com/lounge. Certain Terms & Conditions apply. 8. Cancellations You may cancel your order on the Scotia Rewards website, as long as your order is "Pending". To cancel a pending order: i. Log on to the Scotia Rewards website (scotiarewards.com); ii. Go to your "Order History"; iii. Browse through your orders to identify the order you wish to cancel; iv. Click on the trash can icon to cancel your order. If the trash can does not appear, it means that your order has been sent for fulfillment and cannot be cancelled. 9. Returning Merchandise, Scotiabank VISA Prepaid Cards, Gift Cards, Scotia Rewards Dollars and Air Canada Maple Leaf Lounge Pass If you are not completely satisfied with the item you ordered, you have 30 days from receipt of the item to request a return by contacting the Scotia Rewards Centre for return instructions, prior to returning the item and to ensure you will receive full credit. Merchandise may be returned by contacting the Scotia Rewards Centre within 30 days from receipt of the item (10 days for electronic/audio visual equipment or jewelry). Scotiabank VISA Prepaid Cards and Gift Cards are non-refundable. Please visit scotiarewards.com for additional terms and conditions. Scotia Rewards Credit and Investment Dollars may be returned by contacting the Scotia Rewards Centre within 30 days from receipt of the item. Items such as ipods, cellular telephones, PCs, laptops etc. are non-refundable. If an item is non-refundable, however is defective, please notify the Scotia Rewards Centre at and you will be provided with contact information to have the item repaired or exchanged. Upon receipt of the return instructions by telephone, Cardmembers must ship the merchandise, or Scotia Rewards Dollars back to the Scotia Rewards Centre within 10 days. Air Canada Maple Leaf Lounge Passes are non-refundable.

6 G. Travel Rewards 1. Travel Redemption and Reservations After verifying that you have the required minimum Scotia Rewards points, simply call the Scotia Rewards Travel Service at and speak with a Travel Consultant to book your Travel Reward or sign onto the Scotia Rewards Site to book your travel online 1. Reservations made through any other travel agencies, travel suppliers or airline companies will not qualify as Travel Rewards. When redeeming points toward Travel Rewards, a minimum of 5,000 points must be redeemed (5,000 points is equivalent to a $50 savings). You may use additional points toward your selected Travel Reward, up to the full value of the trip. As an example, 22,619 points will be equivalent to $ in travel purchases, including taxes, service charges, etc. The Scotia Rewards Travel Service does not permit price matching. Travel Rewards are available to all Scotia Rewards members and any other traveler of your choice using earned 'Points Only' (minimum 5,000 points, except for special offers) or the 'Points Plus ScotiaGold Passport VISA card or ScotiaGold Passport for business VISA card' option (minimum 5,000 points plus your ScotiaGold Passport VISA card or your ScotiaGold Passport for business VISA card). Travel arrangements may also be made using 'ScotiaGold Passport VISA card or ScotiaGold Passport for business VISA card Only'. If the 'Points Plus VISA card' or ' VISA card Only' options are selected, the card portion is charged to the appropriate VISA account following your verbal authorization. Taxes must be applied to both card and points portions. If using 'Points Only' and your chosen Travel Reward has a lower cash value than $50, no refund of points or refund of credit is allowed. Points cannot be redeemed for any extra activities or usage associated with trips reserved through Scotia Rewards Travel Service (e.g. long-distance phone calls, hotel services, sight-seeing tours, transportation, etc.). Foreign currency exchange fees will be applied on the ScotiaGold Passport VISA card portion and ScotiaGold Passport for business VISA card portion when booking a Travel Reward. All Travel Rewards listed in the Scotia Rewards Catalogue, website or any other brochures or notices forwarded to you, are subject to availability by the travel supplier, hotel or any other applicable supplier. The following ScotiaGold Passport VISA insurances 6 extend coverage to the Travel Rewards under the Terms and Conditions of the specified insurance policies: Travel Emergency Medical, Trip Cancellation/Interruption, Rental Car Collision/Damage, Common Carrier Travel Accident, Hotel/Motel Burglary, Lost Luggage and Delayed Luggage. Additional coverage may be required, depending on the age of travelers, duration and value of the trips. Travel Emergency Medical and Trip Cancellation/Interruption insurances are only available to customers under the age of 65. The following ScotiaGold Passport for business VISA insurances 6 extend coverage to the Travel Rewards under the Terms and Conditions of the specified insurance policies: Flight Delay, Rental Car Collision/Damage, Common Carrier Travel Accident, Hotel/Motel Burglary (Canada/US only), Lost Luggage and Delayed Luggage. Additional coverage may be required, depending on the age of travelers, duration and value of the trips. For all insurance coverages, certain limitations, restrictions and exclusions apply. Please refer to the Premium Rewards and Travel Benefits posted on our website at scotiabank.com/visa or to the Certificate of Insurance provided with your

7 ScotiaGold Passport VISA Card for a full description of coverage. The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. 2. Delivery of Travel Itinerary If you have an address, you will be provided with a file reservation number via that you can use to view and print your electronic ticket on virtuallythere.com. If you do not have an address, you will receive all relevant documentation by mail, provided sufficient advance notice has been given. All paper tickets will be sent via regular courier service. If rush option is required, additional charges will be applied to the appropriate VISA account. Delivery of travel documents sent outside of Canada will be delivered at the Cardmember's expense. 3. 5% Cash Back Rebate To qualify for the 5% Cash Back rebate, your travel arrangements must be made through the Scotia Rewards Travel Service and charged to your ScotiaGold Passport VISA card or your ScotiaGold Passport for business VISA card. Eligible expenses include airline tickets, pre-packaged tours and cruises. Taxes, service charges, insurance, hotels, motels, car rentals, fully independent tours and personal expenditures, such as meals, are excluded, unless already included in the pre-packaged tours. The Cash Back rebate will automatically be credited to the appropriate VISA account within 2 billing cycles after your departure date. A notice detailing information of your Cash Back rebate will be sent to you as a confirmation. When using the 'Points Plus VISA card' option to redeem the Travel Rewards through the Scotia Rewards Travel Service, the 5% Cash Back rebate is applicable only to the portion of eligible travel expenses (excluding taxes) charged to your ScotiaGold Passport VISA card or your ScotiaGold Passport for business VISA card. Points will not be debited or adjusted when the Cash Back rebate is applied. 5% Cash Back is provided by a 3rd party 3. For more information, contact the Scotia Rewards Travel Service at Deposit on Trip To qualify for the Deposit on Trip option with the Scotia Rewards Travel Service, the total value of the trip must be over $8,000 Cdn. (including taxes). A minimum 50% of the total trip value (including taxes) is required at time of booking as a deposit and is non-refundable. The balance must be paid at least 60 days prior to the trip or the time outlined by the 3rd-party supplier, whichever comes first. The Scotia Rewards program deposit and cancellation Terms and Conditions will supersede those of the 3rd-party suppliers. If you are unable to pay the balance with your ScotiaGold Passport VISA card or your ScotiaGold Passport for business VISA card, your trip will be regarded as cancelled and the original deposit will not be returned. 5. Pay at Destination Hotel and/or Car bookings are Pay At Destination. For these bookings, points are redeemed in the form of travel credit. Credit is applied to your ScotiaGold Passport VISA card or ScotiaGold Passport for business VISA card within 14 days of booking. Full payment is collected by the hotel and/or car rental agency. Holiday Packages are not Pay At Destination. Pay At Destination is only applicable to trips reserved through the Scotia Rewards Travel Service and paid with a ScotiaGold Passport VISA card or a ScotiaGold Passport for business VISA card. 6. Travel Cancellation You may cancel any portion or your entire Travel Reward reservation. After a verbal confirmation is issued, cancellation is subject to the Terms and Conditions of the travel supplier. In some cases, such as nonrefundable tickets, cancellations are not allowed or are subject to cancellation fees. All cancellation fees will be charged directly to the appropriate VISA account and are non-refundable. All Scotia Rewards points related to the allowable cancellation portion of the Travel

8 Rewards will be credited back to the appropriate VISA account on the basis of 1 Scotia Rewards point for every $0.01 in cancelled charges. Travel cancellations and/or changes made to a travel reservation outside of Scotia Rewards Travel Service hours may be dependant on Tour Operators, suppliers hours of operation and therefore Scotia Rewards Travel Service is not liable for earlier closures of suppliers hours of operation. H. Disclaimers Neither the Bank of Nova Scotia (Scotiabank) nor HRG (Hogg Robinson Group) are liable for any damages, injuries or disabilities that occur during a Travel Reward trip, or while using or installing any of the offered rewards. Travel and gift reward suppliers selected by Scotiabank have been committed to provide quality service. However, neither Scotiabank nor HRG accept responsibility for non-delivery of rewards by the suppliers as described. While every effort will be made to satisfy Cardmembers with an equivalent replacement or a credit adjustment of points, neither Scotiabank nor HRG will assume any costs related to the failure of suppliers to deliver the rewards. Please see the Revolving Credit Agreement in your Scotiabank Welcome Kit package regarding settling disputes. Purchases made in cash or by credit card are protected in Ontario by TICO (excludes purchases paid entirely in points). Visit for complete details. Neither Scotiabank nor HRG make any warranties or representations with respect to the quality or fitness for use of any rewards, or the nature or quality of any of the Travel Rewards. Cancelled ScotiaGold Passport VISA accounts and/or ScotiaGold Passport for business VISA accounts will be ineligible to earn Scotia Rewards points after the cancellation date. If your card has been lost or stolen, all applicable points will be transferred to your new ScotiaGold Passport VISA account or ScotiaGold Passport for business VISA account as appropriate. The Scotia Rewards program will remain in effect until December 31, 2012 and may be extended. Scotiabank reserves the right to modify, terminate or extend the Scotia Rewards program or the Terms and Conditions of its operation at any time. In the event of termination, you will be notified in writing and you will be able to exchange the earned points for rewards within 60 days after the termination date, provided your account(s) is in good standing 4. Luxury Retailers are not affiliated with the Scotia Rewards program. For questions or concerns related to Luxury Retailers rewards redemptions call Option 2. Registered trademarks of The Bank of Nova Scotia Trademarks of The Bank of Nova Scotia * VISA Int./Lic. User The Bank of Nova Scotia * Air Canada Maple Leaf Lounge is a trademark of Air Canada 1 Scotia Rewards Travel Service and Travel Booking Site provided by a duly licensed 3rd-party travel agent HRG (Hogg Robinson Group). 2 Scotia Rewards points offered can change at any time without notice. 3 5% Cash Back is provided by a 3 rd party. For more information, contact the Scotia Rewards Travel Service at (See section G (3) of the Terms and Conditions for more details on the 5% Cash Back Rebate).

9 4 In order for the account to be in good standing, the account must not be delinquent or over limit and the cardholder(s) must not be in breach of the Revolving Credit Agreement. If the account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption. 5 Provided your account is in good standing 4. Scotia Rewards points must be redeemed within 60 days of account closure or they will be deleted permanently. If your account is not in good standing, the accumulated Scotia Rewards points are not eligible for redemption. 6 Under all insurance coverages or services certain limitations, restrictions and exclusions apply. Please refer to your Certificate of Insurance which contains a full description of coverage underwritten by an independent licensed insurer. For more information for travelers under 65 years of age, please call Scotia Assist at For more information for travelers over 65 or if the value of your trip exceeds the amount covered under your ScotiaGold Passport VISA Card, please call Travel Underwriters at The Bank of Nova Scotia is not an insurer. All claims for insurance indemnities must be forwarded to the insurers. All brand names are the property of their respective owners. <FSC LOGO>

hours of receipt. It is important to inspect the delivered parcel upon receipt for any apparent damage, and to save the packing materials for

hours of receipt. It is important to inspect the delivered parcel upon receipt for any apparent damage, and to save the packing materials for Terms and Conditions Terms and Conditions for: ScotiaGold Passport VISA* Card, ScotiaGold Passport for business VISA* Card and Scotiabank Rewards VISA* Card. A. Participation Requirements and Use of Personal

More information

International address. The Bank and the Scotia Rewards Centre are not responsible for any merchandise, Gift Cards or Scotia Rewards Dollars that are

International address. The Bank and the Scotia Rewards Centre are not responsible for any merchandise, Gift Cards or Scotia Rewards Dollars that are Terms and Conditions Terms and Conditions for: Scotia Rewards * Program for Scotiabank * Platinum American Express Cardmembers, Scotiabank * Gold American Express Cardmembers and Scotiabank * American

More information

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS

ATB FINANCIAL BUSINESS REWARDS TERMS AND CONDITIONS Effective February 8, 2016 1. REWARD PROGRAM These terms and conditions apply to the ATB Financial Business Rewards BusinessCard Program (the Program ) associated with the Card Account that allows you

More information

HSBC Business Card Rewards Program Terms & Conditions

HSBC Business Card Rewards Program Terms & Conditions HSBC Business Card Rewards Program Terms & Conditions The HSBC Business Card Rewards Program (the Program ) allows participants to earn Points which can be redeemed toward rewards including merchandise,

More information

HSBC Premier World Rewards Program Terms & Conditions

HSBC Premier World Rewards Program Terms & Conditions HSBC Premier World Rewards Program Terms & Conditions The HSBC Premier World Rewards Program (the Program ) allows participants with an HSBC Premier World MasterCard to earn Points which can be redeemed

More information

Welcome to the American Express Corporate Card Program Cardmember Benefits and Services

Welcome to the American Express Corporate Card Program Cardmember Benefits and Services CORPORATE SERVICES EXPENSE MANAGEMENT SOLUTIONS Welcome to the American Express Corporate Card Program Cardmember Benefits and Services Contents Welcome to the advantages of the American Express Corporate

More information

Purchase Perks Program Rules & Conditions

Purchase Perks Program Rules & Conditions Purchase Perks Program Rules & Conditions These Rules and Conditions (Terms and Conditions) apply to the following credit cards that are issued by Synovus Bank and are participating in the Purchase Perks

More information

January 2009. Q Rewards Terms and Conditions

January 2009. Q Rewards Terms and Conditions January 2009 Q Rewards Terms and Conditions 2 Contents Page 1. Definitions 4 2. Participation 4 3. Accumulation of Reward Points 4 4. Duration and Loss of Reward Points 5 5. Reward Redemption 6 6. Fast

More information

ANZ Airpoints Visa WELCOME GUIDE

ANZ Airpoints Visa WELCOME GUIDE ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa

More information

CIBC TELUS Rewards Visa * Card

CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE Welcome to your CIBC TELUS Rewards Visa * Card YOUR BENEFITS GUIDE BENEFITS AT A GLANCE Thank You for Choosing the CIBC TELUS Rewards Visa Card 1 How to Earn 2 How to Redeem 2 Go Paperless

More information

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS

REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS REWARDS TERMS & CONDITIONS COMMERCE BANK BUSINESS REWARDS INTRODUCTION These Terms and Conditions are provided to Accountholders ( You or Your ) by Commerce Bank ( Commerce ) solely for the purpose of

More information

PROGRAM DESCRIPTION NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD

PROGRAM DESCRIPTION NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD NAVY FEDERAL S VISA SIGNATURE FLAGSHIP REWARDS CARD PROGRAM DESCRIPTION Visa Signature Flagship Rewards Online Members with NFO access may view their Visa Signature Flagship Rewards point history and redeem

More information

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards

Terms and Conditions. Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Terms and Conditions Premium and Standard Membership Rewards Program for Suncorp Clear Options Business Credit Cards Effective Date: May 2014 Table of Contents 1. Meaning of Words... 1 2. Participation

More information

WorldPoints Rewards Program Rules

WorldPoints Rewards Program Rules WorldPoints Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your rewards at a

More information

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more.

RBC Royal Bank Visa Business Platinum Avion. A world of travel rewards. And more. RBC Royal Bank Visa Business Platinum Avion A world of travel rewards. And more. A world of travel rewards. And more. 3 Expense management has never been easier or more rewarding Welcome to RBC Royal Bank

More information

Rewards Terms & Conditions Copy

Rewards Terms & Conditions Copy Rewards Terms & Conditions Copy Commerce Bank Rewards INTRODUCTION These Terms and Conditions are provided to Accountholders ( You or Your ) by Commerce Bank ( Commerce ) solely for the purpose of promoting

More information

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns.

We, Us and Our means Citibank Berhad (297089-M) its successors-in-title or assigns. Citibank Rewards Program Terms & Conditions This Citibank Rewards Program Terms and Conditions governs the entitlement of Citibank Credit Card customers and Debit & ATM Cardholders (including those issued

More information

Altitude Rewards and Altitude Qantas

Altitude Rewards and Altitude Qantas Altitude Terms and Conditions Altitude Rewards and Altitude Qantas Effective 9 November 2014 Altitude Rewards 1 Contents Altitude Rewards terms and conditions...4 1. When do these terms and conditions

More information

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION

NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION NAVY FEDERAL S BUSINESS REWARDS CARD PROGRAM DESCRIPTION BUSINESS REWARDS Online Members with NFO access may view their BUSINESS REWARDS point history and redeem points on navyfederal.org 24 hours a day

More information

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org 1-888-842-6328

NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION. navyfederal.org 1-888-842-6328 NAVY FEDERAL S GO REWARDS CARD PROGRAM DESCRIPTION navyfederal.org 1-888-842-6328 Rewards 1,000 Digital downloads including apps. 3,500 Selection of merchandise and gift cards. 5,000 Selection of merchandise

More information

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules

LOGIX REWARDS PROGRAM DISCLOSURE Program Rules LOGIX REWARDS PROGRAM DISCLOSURE Program Rules In this Logix Rewards Program Disclosure, the words "we", "us", "our", and "Logix" each mean Logix Federal Credit Union. The words "you", "your, "yours",

More information

ANZ CashBack. programme guide

ANZ CashBack. programme guide ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.

More information

BENEFITS GUIDE. RBC Royal Bank Visa Platinum Avion. Welcome to a world of travel rewards AVION

BENEFITS GUIDE. RBC Royal Bank Visa Platinum Avion. Welcome to a world of travel rewards AVION BENEFITS GUIDE RBC Royal Bank Visa Platinum Avion Welcome to a world of travel rewards AVION Enjoy a world of rewards. Reward yourself Your new RBC Royal Bank Visa Platinum Avion card offers an unparalleled

More information

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards

Altitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Altitude Business Rewards Terms and conditions Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Effective 15 August 2015 Contents 1. When do these terms and conditions

More information

CASH REWARDS COLLABRIA CASH BACK CARD C33014

CASH REWARDS COLLABRIA CASH BACK CARD C33014 CASH REWARDS COLLABRIA CASH BACK CARD C33014 Cash Rewards COLLABRIA CASH BACK CARD By using your Collabria Cash Back Card, you agree to the following terms and conditions which form part of the Collabria

More information

Norwegian Cruise Line MasterCard Program Rules

Norwegian Cruise Line MasterCard Program Rules Norwegian Cruise Line MasterCard Program Rules It s easy to earn Points simply use your credit card for everyday purchases, like buying groceries, filling the gas tank or paying your utility bill. Your

More information

TCF Miles Plus SM Rewards Program

TCF Miles Plus SM Rewards Program TCF Miles Plus SM Rewards Program Card Issuer Terms and Conditions TCF MILES PLUS Rewards Program ( Program ) is a promotional incentive Program offered by TCF National Bank ( Issuer, we, and us ). These

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE PERSONAL CHECK and/or ATM CARD This agreement and disclosure applies to payment orders and funds transfers governed by the Electronic Fund Transfer Act.

More information

Feel secure, no matter where you are.

Feel secure, no matter where you are. BENEFITS GUIDE RBC Rewards Visa Preferred Feel secure, no matter where you are. Enjoy a world of rewards and travel protection. RBC Rewards Visa Preferred offers you the flexibility and security of comprehensive

More information

December 2013. Q Rewards Terms and Conditions

December 2013. Q Rewards Terms and Conditions December 2013 Q Rewards Terms and Conditions 2 Contents Page 1. Definitions 4 2. Participation 4 3. Accumulation of Reward Points 4 4. Duration and Loss of Reward Points 5 5. Reward Redemption 6 6. Fast

More information

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only)

(Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) (Available on our Platinum Rewards credit card, Business Platinum Rewards credit card, & Unitus Rewards checking account debit card only) I. Description of the Program a) Unitus members with Prime Share

More information

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards

Terms and Conditions. Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Terms and Conditions Suncorp Bank Rewards and Suncorp Bank Qantas Frequent Flyer Rewards for Suncorp Clear Options Personal Credit Cards Effective Date: July 2014 Table of Contents 1. Meaning of Words...

More information

BankAmericard Privileges credit card with Travel Rewards Program Rules

BankAmericard Privileges credit card with Travel Rewards Program Rules BankAmericard Privileges credit card with Travel Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases. There s no additional cost to participate in the Program,

More information

MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME

MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME MILES-TO-GO sm PROGRAM RULES Welcome to the ToGoAway Travel Network Miles-To-Go sm Frequent Traveler Program WELCOME Welcome! ToGoAway Travel Network has introduced a unique travel awards program in the

More information

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card

Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Contents Page 1. Definitions 2 Chapter One 2. Participation

More information

PNC Bank, National Association, which issues your Credit Card. The billing cycle or billing cycles of your Credit Card Account

PNC Bank, National Association, which issues your Credit Card. The billing cycle or billing cycles of your Credit Card Account K-8360 points PNC Flex T&C PNC points Program Terms and Conditions as of October 17, 2015 BASIC TERMS DEFINED Program Credit Card, Card Credit Card Account You, your, Cardholder We, our, us, PNC Bank,

More information

BMO Harris RewardsSM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard

BMO Harris RewardsSM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard BMO Harris Rewards SM Program Rules: BMO Harris Bank Rewards MasterCard BMO Harris Bank Premier Rewards MasterCard BMO Harris Bank Select World MasterCard BMO Harris Bank Premier World MasterCard BMO Private

More information

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions

ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions ONPOINT COMMUNITY CREDIT UNION International Prepaid Card Terms and Conditions International Prepaid Card These are your International Prepaid Card Terms and Conditions. "Agreement" means these VISA Prepaid

More information

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions

Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions Card Services Rewards and Card Services Qantas Rewards Program Terms and Conditions February 2012 Contents Page 1. Definitions 2 Chapter One 2. Participation and Agreement 4 3. Awarding of Points 4 4.

More information

SelfScore Cardholder Agreement for Cards issued by Celtic Bank

SelfScore Cardholder Agreement for Cards issued by Celtic Bank SelfScore Cardholder Agreement for Cards issued by Celtic Bank SelfScore has partnered with Celtic Bank (together referred to as "us," "we," "our," or the like), Utah industrial member FDIC, to offer this

More information

BankAmericard Travel Rewards Program Rules

BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards credit card customers are automatically enrolled in the BankAmericard Travel Rewards program ( the Program ) at no additional cost.

More information

PAYROLL CARD FREQUENTLY ASKED QUESTIONS

PAYROLL CARD FREQUENTLY ASKED QUESTIONS The following document provides answers to frequently asked questions regarding the Umpqua Bank Payroll Card. Contact Customer Care at 800-650-7141 with questions. Card Basics Q. How does the Payroll Card

More information

VOICE Credit Card Rewards Terms and Conditions

VOICE Credit Card Rewards Terms and Conditions VOICE Credit Card Rewards Terms and Conditions Contents IMPORTANT NOTICE... 2 PROGRAM DESCRIPTION... 2 ELIGIBILITY... 2 EARNING POINTS... 2 RESTRICTIONS ON POINT EARNING... 3 POINT EXPIRATION, LOSS OF

More information

Discover the benefits of your new RBC Rewards Visa * Classic card

Discover the benefits of your new RBC Rewards Visa * Classic card Discover the benefits of your new RBC Rewards Visa * Classic card Choice, flexibility and free rewards they re yours with the RBC Rewards Visa Classic card. Welcome to RBC Royal Bank s premiere no-fee

More information

BankAmericard Cash Rewards Program Rules

BankAmericard Cash Rewards Program Rules BankAmericard Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There s no additional

More information

Credit Card Agreement for Teamsters Cards in Capital One, N.A.

Credit Card Agreement for Teamsters Cards in Capital One, N.A. Credit Card Agreement for Teamsters Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information

More information

BankAmericard Privileges with Cash Rewards Program Rules

BankAmericard Privileges with Cash Rewards Program Rules BankAmericard Privileges with Cash Rewards Program Rules It s simple: Cash back on every purchase. Use your card for everyday spending and put your purchases to work for you and redeem for cash back. There

More information

Amplify Business Credit Card

Amplify Business Credit Card Amplify Business Credit Card Rewards Terms and Conditions Part One Amplify Rewards for Amplify Business Credit Cards Terms and Conditions Part Two Amplify Qantas for Amplify Business Credit Cards Terms

More information

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard

HSBC s Credit Card Rewards Program. Terms and conditions HSBC Premier World MasterCard HSBC s Credit Card Rewards Program Terms and conditions HSBC Premier World MasterCard Rewards Plus Program The meaning of words printed like this and some other key words is explained at the end of these

More information

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card

HSBC s Credit Card Rewards Program. Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card HSBC s Credit Card Rewards Program Terms and Conditions HSBC Classic Credit Card and HSBC Platinum Credit Card As at 1 March 2014 Rewards Plus Program The meaning of words printed like this and some other

More information

This APR may be applied to your Credit Card account if you make a late payment. If you are charged interest, the charge will be no less than $1.00.

This APR may be applied to your Credit Card account if you make a late payment. If you are charged interest, the charge will be no less than $1.00. SHELL VACATIONS CLUB VISA CREDIT CARD AGREEMENT (Personal Accounts) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases APR for Cash Advances Penalty APR and When it Applies

More information

Card Type Phone Number Website. BBVA Compass Select Credit Card 877-676-5172 www.bbvacompass.com/selectrewards

Card Type Phone Number Website. BBVA Compass Select Credit Card 877-676-5172 www.bbvacompass.com/selectrewards CompassPoints Terms and Conditions CompassPoints is a promotional rewards program ("Program") offered by BBVA Compass ("Bank," "we," "us" or "our"). In this Program, "you" or "your" means everyone that

More information

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM/VISA PLATINUM REWARDS/VISA PLATINUM SHARE SECURED CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account

More information

360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions

360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions 360 Federal Credit Union Reloadable Prepaid Card Terms and Conditions These are your Prepaid Card Terms and Conditions: "Agreement" means these Visa Prepaid Card Terms and Conditions. "We" "us" and "our"

More information

A+FCU GIFT CARD TERMS AND CONDITIONS

A+FCU GIFT CARD TERMS AND CONDITIONS PO Box 14867 Austin, TX 78761-4867 512-302-6800 800-252-8148 www.aplusfcu.org A+FCU GIFT CARD TERMS AND CONDITIONS These terms and conditions ( Agreement ) govern the issuance and use of the A+ FCU Gift

More information

Program Terms Effective Until October 18, 2013

Program Terms Effective Until October 18, 2013 Program Terms Effective Until October 18, 2013 THIS PROGRAM HAS BEEN DISCONTINUED. FOR EXISTING MEMBERS, PLEASE CONSULT THE DOCUMENTATION YOU RECEIVED OR CONTACT CUSTOMER SERVICE AT 808-627-6900 FOR REDEMPTON

More information

True Rewards Card Conditions of Use

True Rewards Card Conditions of Use True Rewards Card Conditions of Use True Rewards ASB Bank Limited 55930 1300 0315 Hello and welcome! These are the conditions of your agreement with ASB Bank Limited, PO Box 35, Shortland Street, Auckland

More information

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT

VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT VISA PLATINUM CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure. The Account Opening Disclosure

More information

Visa Student Card Terms and Conditions. These are your Student Card Terms and Conditions.

Visa Student Card Terms and Conditions. These are your Student Card Terms and Conditions. Visa Student Card Terms and Conditions These are your Student Card Terms and Conditions. "Agreement" means these Visa Student Card Terms and Conditions. "We" "us" and "our" refer to Bank-Fund Staff Federal

More information

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT

CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT CARDMEMBER AGREEMENT AND DISCLOSURE STATEMENT Part 1 of 2: Agreement About this Agreement Part 1 and 2 together make your Cardmember Agreement and Disclosure Statement ( Agreement ) and govern your Credit

More information

BENEFITS GUIDE. BMO Prepaid Travel. MasterCard. Your travel payment card

BENEFITS GUIDE. BMO Prepaid Travel. MasterCard. Your travel payment card BENEFITS GUIDE BMO Prepaid Travel * MasterCard Your travel payment card WELCOME! GET READY TO USE YOUR CARD WITH COMPLETE PEACE OF MIND. You ve just received your new BMO Prepaid Travel MasterCard the

More information

À LA CARTE REWARDS PLAN RULES AND REGULATIONS Nbcrewards.ca

À LA CARTE REWARDS PLAN RULES AND REGULATIONS Nbcrewards.ca À LA CARTE REWARDS PLAN RULES AND REGULATIONS Nbcrewards.ca 1. HOW TO ENROLL IN THE À LA CARTE REWARDS PLAN 1.1 The À la carte Rewards Plan ( À la carte Plan ) is the rewards program of MasterCard credit

More information

1. About Some of the Words in this Agreement 2. Account and Cards

1. About Some of the Words in this Agreement 2. Account and Cards B M O M A S T E R C A R D * F O R B U S I N E S S A C C O U N T A G R E E M E N T In this Agreement, the Customer means the business shown on a BMO MasterCard for Business application (the Application

More information

Al Mubarak Credit Card Term and condition

Al Mubarak Credit Card Term and condition Al Mubarak Credit Card Term and condition Arab National Bank ( Bank ) will issue the Al Mubarak Credit Card ( Card ), subject to the following Terms and Conditions: 1. Standard Definitions: A. Card: The

More information

WELLESLEY COLLEGE TRAVEL POLICIES AND PROCEDURES

WELLESLEY COLLEGE TRAVEL POLICIES AND PROCEDURES WELLESLEY COLLEGE TRAVEL POLICIES AND PROCEDURES The purpose of this document is to establish and communicate equitable standards and effective procedures for reducing travel costs while complying with

More information

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Get 24-hour cardmember service for any account inquiries or to report a lost or stolen card. U.S. Bank FlexPerks Travel Rewards

More information

Hang Seng Commercial Card Benefits Directory

Hang Seng Commercial Card Benefits Directory Contents 1. Important Points to Remember 2. Customer Privileges Better Business Expense Management Financial Flexibility Superior Privileges Membership Rewards Programme Comprehensive Protection 3. Payment

More information

Credit Card Agreement for GM Card in Capital One, N.A.

Credit Card Agreement for GM Card in Capital One, N.A. Credit Card Agreement for GM Card in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing Information

More information

www.fpcu.org RELOADABLE PREPAID CARD

www.fpcu.org RELOADABLE PREPAID CARD www.fpcu.org RELOADABLE PREPAID CARD terms AND CONDITIONS Effective 5.1.12 The following are your Financial Partners Credit Union MASTERCARD Reloadable Prepaid Card Terms and Conditions. Except as the

More information

BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS

BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS BUSINESS MASTERCARD CARDHOLDER DISCLOSURE AND AGREEMENT STANDARD AND CASH REWARDS MASTERCARDS This Business MasterCard Disclosure and Agreement sets forth the terms of your Account and includes this document,

More information

Cumberland Valley National Bank & Trust Cash Card (Reloadable) Prepaid Card Terms & Conditions

Cumberland Valley National Bank & Trust Cash Card (Reloadable) Prepaid Card Terms & Conditions Rev 6/2015 Cumberland Valley National Bank & Trust Cash Card (Reloadable) Prepaid Card Terms & Conditions Cumberland Valley National Bank Prepaid Reloadable MasterCard Agreement This prepaid Reloadable

More information

CIBC Dividend One MasterCard

CIBC Dividend One MasterCard YOUR WELCOME KIT Welcome to your CIBC Dividend One MasterCard Card YOUR BENEFITS GUIDE Benefits at a Glance Welcome to your CIBC Dividend One MasterCard Card 1 Chip-enabled CIBC Credit Card 1 CIBC Contactless

More information

Reloadable Visa Debit Card. These are your Reloadable Visa Debit Card Terms and Conditions.

Reloadable Visa Debit Card. These are your Reloadable Visa Debit Card Terms and Conditions. Reloadable Visa Debit Card These are your Reloadable Visa Debit Card Terms and Conditions. "Agreement" means these Visa Prepaid Card Terms and Conditions."We" "us" and "our" refer to Del Norte Credit Union.

More information

BENEFITS GUIDE. RBC Visa Infinite Avion. Reach new heights with the RBC Visa Infinite Avion card. AVION

BENEFITS GUIDE. RBC Visa Infinite Avion. Reach new heights with the RBC Visa Infinite Avion card. AVION BENEFITS GUIDE RBC Visa Infinite Avion Reach new heights with the RBC Visa Infinite Avion card. AVION Welcome to a whole new world of privilege. We ve taken the Avion card above and beyond Congratulations

More information

2. For cancellation or amendment of travel arrangements due to you or your relatives illness /death (Complete Sections A, C D and E)

2. For cancellation or amendment of travel arrangements due to you or your relatives illness /death (Complete Sections A, C D and E) IMPORTANT: please read this before you start Use the check list below to help you complete your claims form, and identify you will need to attach. We don t want you to miss something. Delays can occur

More information

TruRewards Terms and Conditions

TruRewards Terms and Conditions TruRewards Terms and Conditions TruRewards ("Program") is a promotional incentive program offered by Banner Bank ("Issuer," "we," and "us") residents of the United States. Under the Program, you will earn

More information

Amplify Business Credit Card.

Amplify Business Credit Card. Amplify Business Credit Card. Rewards Terms and Conditions Part One - Amplify Rewards for Amplify Business Credit Cards Terms and Conditions Part Two - Amplify Qantas for Amplify Business Credit Cards

More information

How does the EMV Travel Prepaid Card work?

How does the EMV Travel Prepaid Card work? How does the EMV Travel Prepaid Card work? The EMV Travel Prepaid Card is a reloadable prepaid Visa Reloadable EMV Travel Prepaid Card, which means you can spend up to the value placed on the card anywhere

More information

For all claims the following documents must be sent to us along with this claim form:

For all claims the following documents must be sent to us along with this claim form: IMPORTANT: please read this before you start Use the check list below to help you complete your claims form, and identify documents you will need to attach. We don t want you to miss something. Delays

More information

$4.00 per item. No charge if our error

$4.00 per item. No charge if our error INFORMATION BOX JPMORGAN CHASE BANK, N.A. Future Shop Credit Card Annual Interest Rate Interest-free Grace Period Determination of Interest Minimum Payment Foreign Currency Conversion Annual Fees Other

More information

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard.

A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. WELCOME Citi Dividend World Elite tm MasterCard Cash Back. Security. Convenience. SMART A card built to put your money to work. Welcome to your Citi Dividend World Elite TM MasterCard. Here s how it works:

More information

Visa Reloadable Frequently Asked Questions. EMV Travel Card

Visa Reloadable Frequently Asked Questions. EMV Travel Card Visa Reloadable Frequently Asked Questions EMV Travel Card How does the International Prepaid Card work? The International Prepaid Card is a reloadable prepaid Visa debit card, which means you can spend

More information

ANZ Rewards RewARds PRogRAm TeRms ANd CoNdiTioNs

ANZ Rewards RewARds PRogRAm TeRms ANd CoNdiTioNs ANZ Rewards Rewards Program Terms and Conditions When these terms and conditions apply 1. If you are a new account holder, these terms and conditions will apply when we advise you that your application

More information

ANZ Credit Card Frequently Asked Questions

ANZ Credit Card Frequently Asked Questions ANZ Credit Card Frequently Asked Questions January 2013 CARD FEATURES What are the main features of the new ANZ Credit Card? features including, up to 45 days interest free, acceptance at over 30 million

More information

FREQUENTLY ASKED QUESTIONS REGARDING CITY NATIONAL REWARDS, POWERED BY THE SCORECARD PROGRAM EFFECTIVE MAY 7, 2012

FREQUENTLY ASKED QUESTIONS REGARDING CITY NATIONAL REWARDS, POWERED BY THE SCORECARD PROGRAM EFFECTIVE MAY 7, 2012 FREQUENTLY ASKED QUESTIONS REGARDING CITY NATIONAL REWARDS, POWERED BY THE SCORECARD PROGRAM EFFECTIVE MAY 7, 2012 GENERAL PROGRAM QUESTIONS What is City National Rewards? What is ScoreCard? How do I enroll

More information

Visa Credit Card Cardmember Agreement

Visa Credit Card Cardmember Agreement Visa Credit Card Cardmember Agreement In this Agreement the words You, Your and Yourself mean each and all of those who apply for the card or who sign this Agreement. Card means the Visa Credit Card and

More information

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services

Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Questions about your U.S. Bank FlexPerks Visa Account Call Cardmember Services Get 24-hour cardmember service for any account inquiries or to report a lost or stolen card. U.S. Bank FlexPerks Travel Rewards

More information

GOLD MASTERCARD AND STANDARD MASTERCARD CONSUMER CREDIT CARD AGREEMENT

GOLD MASTERCARD AND STANDARD MASTERCARD CONSUMER CREDIT CARD AGREEMENT GOLD MASTERCARD AND STANDARD MASTERCARD CONSUMER CREDIT CARD AGREEMENT In this Agreement, Agreement means this Consumer Credit Card Agreement. Disclosure means the Credit Card Account Opening Disclosure.

More information

CommBank Awards Program

CommBank Awards Program Important information about the CommBank Awards Program Program Terms and Conditions 7 September 2015 Some Awards are also subject to separate terms and conditions of the supplier of the award. Please

More information

Group Benefits. Emergency Out of Country Coverage

Group Benefits. Emergency Out of Country Coverage Group Benefits Emergency Out of Country Coverage Keep this brochure and a copy of your Emergency Medical Travel Assistance card with your passport so that you or anyone you re travelling with can get assistance

More information

BankAmericard Travel Rewards Program Rules

BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases. There s no additional cost to participate in the Program, and you and your authorized

More information

All Platinum Business credit cardholders are covered under TRAVEL PROTECT which includes comprehensive Travel Insurance and Wallet Protection

All Platinum Business credit cardholders are covered under TRAVEL PROTECT which includes comprehensive Travel Insurance and Wallet Protection All Platinum Business credit cardholders are covered under TRAVEL PROTECT which includes comprehensive Travel Insurance and Wallet Protection Travel Insurance and Wallet Protection Plan policy shall at

More information

BankAmericard Travel Rewards Program Rules

BankAmericard Travel Rewards Program Rules BankAmericard Travel Rewards Program Rules It s easy to earn Points simply use your credit card for everyday purchases. There s no additional cost to participate in the Program, and you and your authorized

More information

HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel Rewards for Miles

HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel Rewards for Miles HSBC Premier World MasterCard Rewards Redemption Terms & Conditions HSBC Cash Back Rebate Mortgage Account Contribution HSBC Personal Savings Account Contribution Book Your Own Travel Rewards for Miles

More information

UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS

UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS UNIVERSITY FEDERAL CREDIT UNION ABILITY CARD TERMS AND CONDITIONS Please keep these Terms and Conditions handy and refer to them when you need to. And remember, whenever you have a question, you can call

More information

Cardholder Guide Travel Card Program

Cardholder Guide Travel Card Program Cardholder Guide Travel Card Program Procurement Services Branch Vol. Ministry 1 Issue of Technology, 1 Innovation and Citizens Services The Bank of Montreal (BMO) provides commercial card services to

More information

CIBC Aero Classic Visa * Card

CIBC Aero Classic Visa * Card Your Benefits Guide Welcome to your CIBC Aero Classic Visa * Card Benefits at a Glance YOUR PREMIUM PASSPORT TO REWARD TRAVEL Welcome to your CIBC Aero Classic Visa Card 1 Earn Rewards Faster 2 Insurance

More information

BMO MasterCard * for Business B E N E F I T S G U I D E

BMO MasterCard * for Business B E N E F I T S G U I D E BMO MasterCard * for Business B E N E F I T S G U I D E Thank you for choosing BMO MasterCard for Business, your new business purchasing and expense management tool. It will help to make your accounting

More information

PNC SmartAccess Card Terms and Conditions Effective August 18, 2013

PNC SmartAccess Card Terms and Conditions Effective August 18, 2013 PNC SmartAccess Card Terms and Conditions Effective August 18, 2013 Table of Contents Page Definitions 2 1. Your PNC SmartAccess Card 2 2. Fees 5 3. Loading Your Card 5 4. In Case of Errors or Questions

More information

CORPORATE EXPENSE MANAGEMENT SOLUTIONS. Discover the Benefits of The American Express Corporate Gold Card

CORPORATE EXPENSE MANAGEMENT SOLUTIONS. Discover the Benefits of The American Express Corporate Gold Card CORPORATE EXPENSE MANAGEMENT SOLUTIONS Discover the Benefits of The American Express Corporate Gold Card Contents A warm welcome 1 Here s how the American Express 2 Corporate Gold Card works This is where

More information