Savour all the benefits and rewards of your President s Choice Financial MasterCard

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1 B E N E F I T S G U I D E Savour all the benefits and rewards of your President s Choice Financial MasterCard

2 Welcome! You ve chosen the credit card that gives you outstanding value just what you d expect from President s Choice. Your President s Choice Financial MasterCard has no annual fee because you shouldn t have to pay just to use your card. On top of that, you ll get lots of premium benefits that you can really use free of charge! Your card also has an innovative feature called PayPass that helps you get through the checkout faster. Simply tap your card on any PayPass terminal, take your receipt and go! Plus, every time you make a purchase with your card, you earn PC points the best way to reward yourself. Start earning PC points today. It s fast and easy! For more information about PayPass, PC points and all the other features and benefits of your President s Choice Financial MasterCard account, please read this benefits guide carefully and enjoy everything your account offers. Thank you for choosing the President s Choice Financial MasterCard. 2

3 Using your account Make purchases Your President s Choice Financial MasterCard is accepted at more than 28 million merchant locations worldwide. Use it everywhere MasterCard is accepted shops, restaurants, airlines, hotels, theatres, rental agencies and more! Tap & Go with PayPass Get through the checkout faster! Simply tap your card on any PayPass terminal, take your receipt and go the card never has to leave your hand. For lower value transactions you don t even have to sign. An increasing number of businesses are now offering the convenience of PayPass. You can still swipe the card in the traditional way as well as use it for online and telephone purchases. For more information connect at pcfinancial.ca/paypass (In Quebec, pcfinance.ca/paypass_en). Get cash Use your card to get up to $1,000 per day in cash 1, within your available credit limit. Get cash 24 hours a day, 7 days a week at over one million bank machines worldwide Get cash from MasterCard-issuing banks and currency exchange locations Just look for the Cirrus, Maestro, or MasterCard symbol Some things to keep in mind when you use your card to get cash: The cash advance amount is added to your President s Choice Financial MasterCard account balance You ll be charged the cash advance interest rate from the day you get your cash, plus a cash advance fee There are no cash advance fees when you use a President s Choice Financial or CIBC bank machine Know your PIN You need a confidential PIN (Personal Identification Number) to get cash from a bank machine. Your PIN will arrive separately from your card. You can also make a request to customize your PIN online at pcfinancial.ca/mastercard or by calling PCMC (7262). Write a convenience cheque They re just like any personal cheque, except the amount is added to your President s Choice Financial MasterCard account balance as if it were a cash advance. Write a cheque for emergency services, unexpected bills, or anything else you need Order personalized convenience cheques for free 3

4 Earn delicious rewards quickly! Every time you shop with your President s Choice Financial MasterCard you automatically earn PC points towards some pretty tasty rewards. It s amazing how quickly PC points add up! Earn 10 PC points for every dollar spent on your PC MasterCard. Every dollar of every purchase you make on your card earns 10 PC points. That s every time and every place you shop with your card! 20,000 PC points gives you $20 in scrumptious rewards! You can start rewarding yourself with just 20,000 PC points and in increments of 10,000 PC points thereafter. Give yourself free groceries and great rewards for health, beauty, home and living 2. More cards = more PC points! Get cards for the whole family and earn PC points on every purchase they make on the account. Just fill out the form at the end of this guide to request up to four authorized users. So many rewards, so easy to get. Redeem for delectable rewards at participating stores where President s Choice products are sold! Just browse the aisles and take your pick of almost anything in-store! How many PC points do you have? In the mood for a reward? Here s how to check your PC points balance: Online at pcpoints.ca Just register once and check your balance any time. You can even print out a statement that shows how many PC points you have and how many you ve already redeemed. Call PC POINTS ( ) Enter your President s Choice Financial MasterCard card number and follow the automated voice prompts. Check your grocery receipt Your PC points balance is displayed at the bottom of receipts from participating stores where President s Choice products are sold. The PC points earned by using your President s Choice Financial MasterCard or bank card* will be added to your PC points online statement and available in about one month. *Banking services not available in Quebec 4

5 Redeem PC points easily It s so easy! You can start redeeming with just 20,000 PC points, which gives you $20 towards FREE rewards. Plus, you redeem right at the cash no hassles, no waiting! Redeem for just about anything in participating stores where President s Choice products are sold Simply tell the cashier that you re ready to use your PC points Not enough PC points to get what you want? Just top up with your President s Choice Financial MasterCard or cash! Online: Choose from a selection of gift cards and gift certificates Donate your PC points to the President s Choice Children s Charity Redeem points at and participating supermarkets in Newfoundland and Labrador where President s Choice products are sold. 5

6 Free premium benefits = ultimate purchase protection In addition to no annual fee and free rewards with PC points, your President s Choice Financial MasterCard includes two free premium benefits that will protect your purchases well beyond the point of sale. FREE Purchase Assurance 3 Almost anything you buy with your President s Choice Financial MasterCard, anywhere in the world, is automatically insured if it s stolen, lost, or damaged in the first 90 days. FREE Extended Warranty 3 For most purchases made with your President s Choice Financial MasterCard, the manufacturer s regular warranty coverage is doubled for up to one additional warranty year. For more details about these benefits and information on how to make a claim, please refer to the Certificate of Insurance included in your welcome package. Guarding your security Every time you use your President s Choice Financial MasterCard, you can feel at ease knowing that these security precautions are in place at no cost to you. Unauthorized Use You already take care to ensure that no one uses your card without your permission. In the event your card is lost or stolen, then your maximum liability for any unauthorized transactions made on your Account without your PIN prior to your notifying us of the loss or theft will be limited to $50. Other than in connection with a lost or stolen card, if someone other than a cardholder makes an unauthorized transaction, such as a fraudulent transaction, using your President s Choice Financial MasterCard account, you will not be responsible for that transaction, provided your account is in good standing, you have exercised reasonable care in safeguarding your card, PIN and your account information, you do not benefit from the transaction, you report the fraudulent or unauthorized transaction to us within 30 days from the statement date on which the transaction is reflected, and you cooperate fully with our investigation. FREE Fraud Detection Service Over time, continuous fraud monitoring may detect sudden or unusual spending on your account. This ongoing service may notify you if suspicious charges or changes occur. 6

7 Optional Extras A small price to pay for an extra measure of protection! Account Balance Protection Insurance 4 Your credit rating could be affected if you can t make your monthly card payments. This insurance helps prevent that. Covers payment of 3% of your PC MasterCard balance each month for up to 24 consecutive months, in case of disability or involuntary job loss Pays the full balance on your card up to $15,000 in case of the death or accidental dismemberment of you or your spouse (who is a secondary cardholder or authorized user) Covers payment of 3% of your balance up to $500, if you are hospitalized Cost is just 99 for every $100 of your current month s ending balance (plus taxes where applicable) If your current month s ending balance is zero, there s no charge Try it risk free for 30 days! If you cancel within the first 30 days, any premiums charged to your account will be fully refunded Find out more online at pcfinancial.ca/mastercard (in Quebec, pcfinance.ca/mastercard_en) under optional extras or call PCMC (7262) to sign up. Card Registry Service 5 Losing your wallet can be a lot less stressful when you have help replacing lost or stolen credit cards. Register all your cards with this service and you ll only have to make one phone call to take care of it all. Notifies issuers to cancel and requests replacement of registered cards that are reported lost or stolen Alerts registered payees to stop pre-authorized deductions if your President s Choice Financial MasterCard is reported lost or stolen Will keep a record of your other important numbers like driver s licence, passport and serial numbers of your valuables Advises registered credit card issuers of your change of address Find out more online at pcfinancial.ca/mastercard (in Quebec, pcfinance.ca/mastercard_en) under optional extras or call PCMC (7262) to sign up. 7

8 Roadside Assistance 6 It s hard to predict a flat tire or other emergency that could happen on the road. But you can feel safer with Roadside Assistance. Enroll today and relax knowing that you get: Emergency service for your registered vehicle no matter who is driving. Unlike some other plans, you don t pay extra for additional drivers Emergency towing up to 40 km to the repair facility of your choice Emergency winching pull your car from mud, sand, snow or a ditch Gas delivery Tire service change to the spare or tow if there isn t one Battery boost or tow if it doesn t boost Lost key or lock-out service And so much more Find out more online at pcfinancial.ca/roadside (in Quebec, pcfinance.ca/depannex_en) or call PCMC (7262) to sign up. Identity Restoration 6 In today s world, it s not unusual to experience credit card fraud. But now you can get your life back with minimal inconvenience to you. With Identity Restoration, you will: Benefit from comprehensive and active investigation and resolution of your fraud issue with minimal disruption to your life Get access to a highly trained Fraud Specialist who ll answer all your questions before and especially after an incident Your Fraud Specialist will guide you through the steps only you can take, and then will take the lead in resolving disputes with credit bureaus, creditors, collection agencies, utility companies, government agencies, banks, and any other institutions involved You can rest assured the investigation will stay open and active until you say your Identity Restoration is complete. Of course, you can expect a complete written report upon completion. Find out more online at pcfinancial.ca/identity (in Quebec, pcfinance.ca/identite_en) or call PCMC (7262) to sign up. 8

9 Manage your account online Visit: pcfinancial.ca/mastercard (for Quebec residents: pcfinance.ca/mastercard) Just register once to create your secure user ID and password. Then you can sign in to your account any time and do all of this online: Check your up to date account balance, recent transactions, available credit and payment information View copies of your past statements Request a credit limit change Ask for a new PIN or request to customize your PIN Sign up for optional extras Update your address Order convenience cheques Print a request for additional cards You can also choose to receive e-statements instead of printed statements by mail. Select e-alerts to remind you when your payment is due; advise you when you reach a certain balance and more. Check your account by phone The interactive voice response system makes it easy for you to check your account whenever you want PCMC (7262) any time of the day or night Check your account balance and your available credit Get information about your last statement including date it was mailed, your minimum payment due amount, and the payment due date Review your most recent transactions since your last statement Learn your payment options and find out when the payment will get credited to your account 9

10 Choose a convenient payment option Ways to Pay online by phone bank machine by mail in-branch (bank fees may apply) Details To make your payments through your bank or financial institution, just register your PC MasterCard as a bill you d like to pay. Mail your cheque or money order to: President s Choice Financial MasterCard, P.O. Box 4403, STN A, Dept 5114 Toronto, ON M5W 5Y4 Just bring your statement to any of the following: ATB Financial Bank of Montreal CIBC Desjardins HSBC Laurentian Bank National Bank RBC Financial Group Scotiabank TD Canada Trust Other banks and credit unions may also accept payment for President s Choice Financial MasterCard Please allow enough time for your payment to reach us by the payment due date shown on your statement. More information about payments can be found in your cardholder agreement. Plus pay your other bills, too! Set up automatic bill payments from your President s Choice Financial MasterCard. You ll never be late paying a bill, which is great for your credit rating. Plus, you ll earn PC points which makes paying bills a lot more rewarding! Set up automatic bill payments for utilities, telephone, cable TV, internet, health clubs, insurance, and more Simply contact the companies issuing your bills to arrange it If your card number or expiry date changes, be sure to contact all companies that you ve set up automatic bill payments with to update your billing information. Please note, effective July 1st, 2009, certain merchants may register with MasterCard International Incorporated to receive automatic updates regarding your Account, such as changes to your Account number, expiry date and status of your Account. Unless you opt-out by calling us at PCMC (7262), those merchants will receive those updates. Since not all merchants will register to receive this service from MasterCard International Incorporated, you remain responsible for updating merchants with whom you have set-up pre-authorized payments. 10

11 Other President s Choice Financial services The great value you re enjoying with your President s Choice Financial MasterCard can be found in many other President s Choice Financial products and services. Banking services (not available in Quebec) no fee bank account savings account mortgages 8 lines of credit 9 the allpurpose loan 9 investments What you get no fees for daily banking unlimited transactions at over 3,700 President s Choice Financial and CIBC bank machines free Interac Direct Payment transactions, free cheques and chequing, free bill payments overdraft protection available Interest Plus savings account earn one of the highest interest rates plus a bonus on each anniversary 7 when you maintain a balance over $1,000 RRSP eligible Interest First savings account great competitive rate on any balance RRSP eligible Tax-Free Savings Account the interest earned is tax free earn one of the highest interest rates when your balance is over $1,000 Get our lowest mortgage rate up front with no haggling. complete range of simple mortgage options including variable and fixed rate mortgages dedicated help from our Mortgage Specialists flexible repayment options available low cost borrowing account qualify once to borrow $5,000 to $50,000 at a competitive rate use as much or as little as you need, whenever you need it secured borrowing account qualify once to borrow against the value of your home at an even lower rate use as much or as little as you need, whenever you need it borrow from $5,000 to $50,000 with no collateral low interest rates flexible payment options Choose from a range of investment products that offer competitive interest rates. the must-have GIC RRSPs Mutual funds available 11

12 PC telecom services 10 PC mobile PC prepaid long distance cards Keep in touch with family and friends! no contracts to sign, no hidden fees and no system access fees great low rate of just 20 per minute local calling 11 anytime FREE incoming text messages and call display FREE voic , call waiting, call forwarding, 3-way calling (airtime charges apply) For more information, visit pc.ca/mobile or call 1-87-PCT-INFO-1 ( ). sweet low rates to over 200 countries NO hidden charges, NO daily minimums and NO administration fees or premiums for toll-free access card linking feature lets you transfer the remaining balance of your card to a new card before it expires adding additional funds is easy, online or by phone For rates and more information, visit pc.ca/longdistance or call 1-87-PCT-INFO-1 ( ) Need more cards? Using the attached form, order up to 4 additional President s Choice Financial MasterCard cards free for your family: Up to 4 additional authorized users Each card will be personalized with the user s own name Each card earns PC points for your account! All transactions will be consolidated onto one statement Order additional cards now Simply complete the Supplementary Card Request Form provided here and be sure to include all the necessary signatures. If you need more than two additional cards now, just photocopy the form first. To send your completed form(s): Fax to: Mail to: President s Choice Financial MasterCard P.O. Box 4403, STN A, Dept Toronto, ON M5W 5Y4 How to get order forms If you need more forms than the one provided on the next page, you can request them: Online Sign into your account at pcfinancial.ca/mastercard (in Quebec, pcfinance.ca/mastercard), click online request, then additional cards, then print out the form Phone Call PCMC (7262) and ask that the Supplementary Card Request Form be mailed to you 12

13 Supplementary card request form Please print clearly. Primary cardholder I, the primary cardholder, hereby request that a supplementary card be issued to the authorized user(s) named below. I further acknowledge that I will be liable for all charges from the use of the additional card(s), including any that may already be signed up. Account Number Primary Cardholder s Signature Authorized user As an authorized user, I understand that I may use the card or the account in the same manner as any other cardholder, but am not liable for charges and I cannot make changes to this account. I will read the PC points Terms and Conditions found at pcpoints.ca in the legal stuff section. I also agree to the ongoing collection, disclosure, use and sharing of information relating to me as set out in the Privacy Policy. I agree to use the card and the account in accordance with all applicable laws. Print first name/initial/last name Address Home phone Authorized User s Signature Date of Birth (mm/dd/yyyy) Authorized user As an authorized user, I understand that I may use the card or the account in the same manner as any other cardholder, but am not liable for charges and I cannot make changes to this account. I will read the PC points Terms and Conditions found at pcpoints.ca in the legal stuff section. I also agree to the ongoing collection, disclosure, use and sharing of information relating to me as set out in the Privacy Policy. I agree to use the card and the account in accordance with all applicable laws. Print first name/initial/last name Address Home phone Authorized User s Signature Date of Birth (mm/dd/yyyy) Fax this form to DETACH HERE Please call PCMC (7262) if you have any questions. 13

14 Fax this form to Please call PCMC (7262) if you have any questions. 14

15 Legal: 1 We reserve the right to decline a transaction or to request additional information before authorizing a transaction and to change the status and features of your account as a result of any transaction or attempted transaction, in each case without advance notice to you. 2 20,000 PC points = $20 free rewards at participating stores where President s Choice products are sold. PC points can be redeemed for anything except alcohol, tobacco, lottery tickets, prescription drugs, milk in Quebec, and any other products or services prohibited by law or as we determine from time to time. Please visit pcpoints.ca (or pcpoints.ca/fr for Quebec residents) or call PC POINTS ( ) for full details. 3 Your Certificate of Insurance is included in this card welcome package. Purchase Assurance and Extended Warranty are provided by The Manufacturer s Life Insurance Company and First North American Insurance Company (FNAIC). Some conditions apply. 4 If you enroll in the Account Balance Protection insurance program, for $0.99 per $100 of the current month s ending balance, plus applicable taxes, Account Balance Protection Insurance will pay 3% of your month end balance (24 months maximum) in the event of disability (you must be disabled from performing any work for which you are qualified) or involuntary job loss up to age 65; one payment up to $500 maximum in the event of hospitalization up to age 70; and the outstanding balance on your account (one payment up to $15,000 maximum) on death or accidental dismemberment up to age 70. The death and accidental dismemberment benefit also applies to the secondary cardholder or authorized user who is a spouse. Some conditions and restrictions apply; for full details connect at pcfinancial.ca (or pcfinance.ca in Quebec). Full details of your coverage will be mailed to you in a Certificate of Insurance and an enrolment letter, which will also advise you of the effective date of insurance. This insurance is cancelable at any time. Should you choose to cancel this coverage within the first 30 days, President s Choice Bank will refund any premiums billed. Account Balance Protection Insurance is provided by The Canada Life Assurance Company. Exclusions, which vary by coverage; include pregnancy, voluntary or mandatory retirement, pre-existing conditions, unemployment anticipated at the time of application or due to seasonal work, self-employment, contract work, strike or lock-out and foreign travel or residence. You must have worked at least 30 hours per week for at least 3 consecutive months with the same employer prior to your termination date in order to be eligible for involuntary job loss benefits. All exclusions and limitations are contained in the Certificate of Insurance, which you should read carefully and keep for your own records, along with a copy of your application form. 5 The Card Registry service is not an insurance product. This service is provided by Direct Marketing Centre Inc. Some conditions apply. Confirmation will be provided to you upon your enrollment in the plan. The annual Card Registry service cost will be billed to your President s Choice Financial MasterCard. 6 Services are provided by Direct Marketing Centre Inc. (DMC). President s Choice Bank and its related companies are not affiliated with DMC and are not responsible for delivery of the services or liable in connection therewith. See Statement of Services for services, exclusions, limitations and conditions. 7 Interest is calculated on each day s closing balance and is paid into your account monthly. Anniversary bonus interest is based on the average of your daily closing balances over the year and is paid into your account the next business day after your anniversary date. Not available in Quebec. 8 Minimum amount for a President s Choice Financial mortgage is $35,000. Mortgages are subject to credit approval. Some conditions and restrictions may apply. Not available in Quebec. 9 Subject to credit approval. Some conditions and restrictions apply. Secured borrowing account credit limit must be $25,000 or more. Secured borrowing account not available in Quebec or on properties located in Nunavut, the Northwest Territories and the Yukon. 10 PC telecom is a division of Loblaws Inc. Mobile service provided in PC mobile coverage areas by Bell Mobility. Long distance service provided by Bell Canada. Bell Mobility and Bell Canada are licensees of the trademarks PC and President s Choice. 11 Roaming outside Canada, provincial 911 charges and taxes extra; rate subject to change.

16 Quick Contacts Lost or stolen card, call immediately 24/7: In Canada and the U.S PCMC (7262) Outside Canada and the U.S. Call us collect Information or questions about your account: online pcfinancial.ca/mastercard pcfinance.ca/mastercard (Quebec residents) by phone In Canada and the U.S PCMC (7262) Outside Canada and the U.S. (call collect) by mail President s Choice Financial MasterCard, P.O. Box 4403, STN A, Dept 5114, Toronto, ON M5W 5Y4 Information about PC points: pcpoints.ca PC POINTS ( ) Purchase Assurance Extended Warranty /TM PC, President s Choice, President s Choice Financial, PC Financial, Interest First and Interest Plus are trademarks of Loblaws Inc. Trademarks used under licence. /TM Cirrus, Maestro, Tap & Go, PayPass and MasterCard are trademarks of MasterCard International Incorporated. President s Choice Bank a licensee of the marks. Interac is a trademark of Interac Inc. CIBC licensee of mark. All other trademarks are property of Loblaws Inc. President s Choice Financial MasterCard is provided by President s Choice Bank. President s Choice Financial personal banking services are provided by the direct banking division of CIBC. PC telecom is a division of Loblaws Inc. PC points program is provided by President s Choice Services Inc. Current as of April

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