Canada Post Prepaid Reloadable Visa* Card Cardholder Agreement

Please read this Agreement carefully and retain a copy for your records.

The following terms and conditions apply to your use of the Canada Post Prepaid Reloadable Visa Card.

By activating, signing and/or using the Card, you are agreeing to these terms and conditions and fees outlined below.

Information disclosure summary
(detailed terms and conditions will follow):

Card issuer:
This Card is issued by Peoples Trust Company under licence by Visa Int.

Card information and balance:
For up-to-date Card terms and conditions, to obtain the expiry date of the Card, if you have questions regarding the Card Balance, or to log a complaint, you may call customer service at 1-888-483-0653, visit Canada Post Prepaid Reloadable Visa Card website (www.canadapost-prepaid.ca) for free, or download the Canada Post Prepaid Card App.

Card restrictions:

• Cardholders must be of age of majority in the province or territory where they purchase the Card.
• Cardholders are restricted to one Card per person. You may not resell or transfer the Card.
• Use of the Card in certain countries may be restricted by law.
• You do not have the right to stop the payment of any transaction you conduct with the Card.
• Regular pre-authorized debit (PAD) transactions, where you authorize a company or organization to withdraw funds from the Card, are not permitted. All PAD transactions will be rejected and Peoples Trust Company will not be liable for any costs incurred by you as a result.
• You may not add funds to the Card via wire transfer.
• You may not use your Card to commit or facilitate illegal activity.
• The Card is subject to maximum transaction limits, as set out below. Peoples Trust Company may change these limits in accordance with Applicable Law and will post notice on Canada Post Prepaid Reloadable Visa Card website (www.canadapost-prepaid.ca) at least thirty (30) days in advance of the date such change is to come into effect. The change will take effect on the date indicated in the notice. Your continued use of the Card, after the change to the limits has come into effect, will be taken as your acceptance of that change.

Limits:

†All  Interac e-Transfer users start with the Tier 1 limits and may be moved to Tier 2 limits at the discretion of our service provider based on certain transaction activity patterns on the card. Cardholders will be notified via email if they are moved to Tier 2 limits.

Please also note: The Card may be deactivated at any time if fraud, related to the Card or use of the Card, is suspected.

Card expiry and access to funds:
Your right to use the funds loaded on the Card does not expire. If funds remain on the Card after the expiry date, contact customer service for directions on how to receive a replacement Card.

Fees:
The table below sets out the fees that may be imposed upon the Card. You acknowledge being advised of the fees and agree to pay all fees charged under this Agreement.

†Subject to change. See terms and conditions below for details.

††Additional fees may be charged for use of ATMs by ATM operators, over which we have no control.

Fees will apply unless prohibited by Law. Fees and Limits are subject to change in accordance with the Terms and Conditions. Fees are not refundable. Maintenance Fees and Foreign Exchange Charge will be deducted from the Card Balance except the Purchase Fee, which is paid at the time of purchase.

Funds loaded onto the Card are not insured by the Canada Deposit Insurance Corporation (CDIC).

Lost or stolen Card or PIN:
You must take all reasonable steps to protect the Card and/or PIN against loss, theft, or unauthorized use. You should not maintain a written record of, or disclose the PIN to a third party, including family members and friends. If you lose the Card and/or PIN or you become aware that the PIN may have become known to someone else, you must call customer service immediately at 1-888-483-0653. Avoid PIN combinations that may be easily guessed by others. All transactions carried out on the Card before you notify us will be considered to have been made by you.

If you forget the PIN, you can obtain a reminder by calling customer service at 1-888-483-0653 The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is disabled, please call customer service for assistance. If the PIN is disabled, or if a merchant does not accept chip and PIN transactions, you will be required to sign for any transactions at merchants, provided that this is supported by and acceptable to the merchant.

Split tender transactions:
If the Balance on the Card is not sufficient to cover the full Transaction Amount, you may ask the merchant if they will accept a split tender transaction. A split tender transaction allows you to use the remaining Balance on the Card to pay for part of the Transaction Amount and cover the difference with another form of payment (e.g. cash, cheque, credit or debit). Some merchants may require cash payment to cover the difference. If you fail to inform the merchant that you would like to complete a split tender transaction prior to using the Card, your Card may be declined. Merchants do not have to and may not agree to accept split tender transactions.

Personal Information:
By applying for the Card, you consent to the collection, use, disclosure and retention of your personal information by Peoples Trust Company and its service providers as described below. The collection of that information is necessary for the entering into and performance of this Agreement. Therefore, if you do not consent to the collection, use, disclosure and retention of your personal information, you may not apply for or use a Card.

Detailed Terms and Conditions:

Definitions:

• ‘Agreement’ means this Canada Post Prepaid Reloadable Visa Card Cardholder Agreement between Peoples Trust Company and the Cardholder and all documents that are expressly referred to herein, which govern your use of the Card, as amended from time to time.
• ‘Amendment’ refers to any change to a term or condition of this Agreement or to the addition of a new term or condition, including increasing or adding new fees.
• ‘App’ means the Canada Post Prepaid Visa mobile application operated by Payment Source Inc. and available from the Apple App Store or Google Play™ Store.
• ‘Applicable Law’ means, in relation to any person, property, transaction or event, all applicable provisions of: (a) statutes, laws (including the common law), rules, regulations, decrees, ordinances, codes, proclamations, treaties, declarations or orders of any Governmental Authority; (b) any consents or approvals of any Governmental Authority; (c) any orders, decisions, advisory or interpretative opinions, injunctions, judgments, awards, decrees of, or agreements with, any Governmental Authority; and (d) any bylaw, operating rule or regulation of Mastercard/Visa, in each case applicable to or binding upon such person, property, transaction or event.
• ‘ATM’ means an Automated Teller Machine.
• ‘Balance’ means the amount of the funds that are loaded onto the Card and are available for spending.
• ‘Canada’s Anti-Spam Legislation (CASL)’ means An Act to promote the efficiency and adaptability of the Canadian economy by regulating certain activities that discourage reliance on electronic means of carrying out commercial activities, and to amend the Canadian Radio-television and Telecommunications Commission Act, the Competition Act, the Personal Information Protection and Electronic Documents Act and the Telecommunications Act (Canada), and its regulations, as may be amended from time to time.
• ‘Card’ refers to the Canada Post Prepaid Reloadable Visa Card activated, received, signed or used by the Cardholder.
• ‘Cardholder’ means the individual to whom the Card has been issued.
• ‘Direct Deposit’ means a form of Load where you enter into a direct credit arrangement with your employer or Governmental Authority so that your payroll or government benefits are automatically paid in a manner that permits them to be loaded on your Card or transfer of funds from your designated financial institution to the Card.
• ‘Distributor’ means each distribution agent and/or retail outlet which offers the Cards for sale to consumers.
• ‘Foreign Exchange Charge’ means the foreign exchange service charge we assess when you complete transactions in a currency other than Canadian dollar.
• ‘Governmental Authority’ means the government of Canada or of any other nation, or of any political subdivision thereof, whether state, provincial, territorial or local, and any agency, authority, instrumentality, regulatory body, court, central bank or other entity exercising executive, legislative, judicial, taxing, regulatory or administrative powers or functions of or pertaining to government, including any supra-national bodies, a Minister of the Crown, the Office the Superintendent of Financial Institutions or other comparable authority or agency.
• ‘Load’ or ‘loading’ mean adding or transferring funds to the Card to obtain or increase a Balance.
• ‘PCI DSS’ means a multifaceted security standard defined by Payment Card Industry Security Standards Council and includes requirements for security management, policies, procedures, network architecture, software design and other critical protective measures.
• ‘Peoples Trust’ means Peoples Trust Company and its affiliates, successors and assigns.
• ‘Personalized Card’ means a Canada Post Prepaid Reloadable Visa Card personalized with your name.
• ‘PIN’ means a Personal Identification Number used with your Card for POS transactions or at ATMs for additional security.
• ’POS’ means point of sale, where you can use the Card to purchase goods or services from a merchant.
• ‘Transaction Amount’ is the amount that is debited from the Balance in connection with the Cardholder’s use of the Card to purchase goods or services, which includes the amount of the Balance to be transferred, the Card service charges and the taxes imposed to complete the transaction.
• ‘Verified by Visa’ means the Verified by Visa service, a program which is designed to help make shopping online more secure.
• ‘Visa’ means Visa International Incorporated, and its successors and assigns.
• ‘Visa Conversion Rate’ means the rate that we pay to Visa to convert foreign currency to Canadian currency.
• ‘Visa payWave*’ means a contactless payment method provided by Visa offered at select merchants.
• ‘we’, ‘us’, and ‘our’ mean Peoples Trust and assignees.
• ‘Website’ means www.canadapost-prepaid.ca.
• ‘you’, ‘your’, and ‘yours’ each mean the Cardholder.

Acceptance:
This Agreement constitutes a binding agreement between you and us with respect to the terms of use of the Card.

The Card:
The Card is a Visa prepaid card that can be used anywhere that Visa is accepted, including mail order, online, telephone, and point of sale retail merchants, subject to the terms of this Agreement.

Activating the Card:
The Card cannot be used for any purpose until it has been activated in accordance with the instructions on the activation sticker. Upon activation, you will be charged a one-time purchase fee in the amount set out in the table marked ‘Fees’ in the Information Disclosure Summary section at the beginning of this Agreement.

Ownership and Use of the Card:
To use the Card, simply present the Card at the time of payment, and enter your PIN (or sign the receipt with the same signature you used when you signed the Card). You should retain the receipt as a record of the transaction. As you use the Card, the Card’s Balance will be reduced by the full amount of each purchase including taxes, charges, and other fees, if any.

If you use your Card for card-not-present transactions (such as online, mail or telephone purchases), the legal effect is the same as if you used the physical Card.

The Card includes a PIN that can be used to withdraw cash until the Card balance is depleted (within the limits indicated in the limits table above) at any ATM displaying the Visa or Plus* acceptance marks. When you use the Card at an ATM, the amount of the withdrawal, plus any applicable fees and taxes, will be deducted from the available Balance associated with your Card.

Your Card can also be used at any POS that accepts Visa payWave*, subject to merchant purchase limits.  You are solely and completely responsible for the possession, use, and control of the Card. You must surrender the Card to us immediately upon request by us. The Card is provided to you, only. If you authorize another person to use the Card, you agree, to the extent permitted by law, that you will be liable for all transactions arising from use of the Card by such person.

You agree that, if a merchant required that you sign the sales draft, we are not required to verify your signature on any sales draft prepared in connection with a transaction on the Card and we may authorize and process a transaction even if the signature on the sales draft is different than the signature on the Card.

We are not liable to you for declining authorization for any particular transaction, regardless of our reason.

We may, in our sole discretion, cancel or suspend any features or services of the Card at any time, with or without cause, with thirty (30) days’ notice to you or as otherwise required by Applicable Law. By registering the Card with the Verified by Visa service and shopping online at Verified by Visa enabled merchants, the Card can only be used by you to make online purchases. You should receive a paper record of each POS transaction or ATM transaction for which you use the Card.

It is your responsibility to obtain such record and ensure that it is accurate. We are not responsible for providing you with any transaction record or periodic statement. If you identify an error in any transaction record, you must address the error directly with the merchant or ATM operator.

Some merchants (including, but not limited to, fuel stations, restaurants, hotels, cruise lines, or car rental companies) may pre-authorize the transaction amount for the purchase amount plus up to 20% (or more) above the purchase amount to ensure that there are sufficient funds available on the Card to cover any tips or incidental expenses. In such cases, your transaction will be declined if the Card Balance will not cover the transaction amount plus the additional amount.

A pre-authorization will place a ‘hold’ on an amount of your available Card funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the pre-authorization amount on hold in excess of that final payment amount will be released. The time it takes for a pre-authorization hold to be removed may vary depending on the type of merchant. A hold is typically removed within eight (8) days for most standard merchants, and within thirty (30) days for hotels, cruise lines and car rental agencies. During the hold period, you will not have access to the pre-authorized amount.

Loading Funds:
The Card is reloadable and the methods available for adding or transferring funds to the Card are listed on the Website. The Load methods may change from time to time. Some Load methods are offered by third party service providers and are subject to additional fees. See the Website and the applicable service providers’ terms and conditions for more details. Subject to applicable Card fees, funds loaded to the Card in-store will be available immediately after the Load is confirmed by us. The time before funds become available may vary for other Load methods.

The funds provided by you to Load a Balance onto the Card and the Balance on the Card are not a deposit, and they do not establish a separate individual deposit account with us or any other Canadian financial institution. You will not receive interest on the Balance or on any funds you Load onto the Card.

Direct Deposit Service:
You may enable Direct Deposit services to Load funds onto the Card.  Instructions to register and enable Direct Deposit services are available on the Website and App.

Information About Balance:
It is your responsibility to ensure that there is a sufficient Balance on the Card to cover transactions plus any pre-authorized amounts. To obtain the current Balance amount, or the transaction history, call customer service toll-free at 1-888-483-0653 or visit the Website.

The Card Balance will reflect all transactions that have been posted to our system. You are not allowed to exceed the Balance available on the Card for any transaction.

If you attempt to use the Card when there is insufficient Balance available to cover the full Transaction Amount, the transaction in most instances will be declined. However, if due to a systems malfunction or for any reason whatsoever, a transaction occurs despite insufficient Balance on the Card, creating a negative amount, you agree to reimburse us, upon request, for the amount of the Transaction Amount in excess of the Balance.

If your Card has a negative Balance and three (3) consecutive transactions are conducted while the Card has a negative Balance, we will disable the Card to prevent any further transactions until the Balance on the Card is brought back to a positive Balance. You must not attempt to cause the Card to have a negative Balance. If a negative Balance is created on the Card following any transaction initiated or authorized by you, then you agree to repay the amount of the negative Balance to us within ten (10) days of such transaction.

If the Card has a negative Balance for sixty (60) consecutive days, we will put the Card into a suspended state so that no other transaction can be processed. Please call customer service if you wish to continue using the Card.

If there is no activity on the Card for ninety (90) consecutive days and the Balance on the Card is $0.00 or negative, we will put the Card into a suspended state so that no other transaction can be processed. Please call customer service if you wish to continue using the Card.

If the Card has a Balance of $0.00 or negative and there have been no transactions for one hundred and twenty (120) days, we may close the Card account.

In the event that there is not a sufficient Balance on the Card to pay monthly maintenance fees, we may deactivate the Card without notice.

Transactions Made in Foreign Currencies:
We convert purchase transactions made in a foreign currency to Canadian dollars using the Visa Conversion Rate in effect on the day the transaction is posted to the Card, and we charge the Foreign Exchange Charge on the converted transaction amount. The Visa Conversion Rate in effect on the posting date may differ from the rate in effect on the date of the transaction.

When a foreign currency transaction is refunded to the Card, we use the Visa Conversion Rate in effect on the day the transaction is posted to the Card, and we charge the Foreign Exchange Charge on the converted transaction amount. The exchange rate that we pay to Visa may not be the same as the exchange rate that existed on the date the transaction was refunded. For these reasons, the amount that is credited to the Card for a refund of a foreign currency transaction will, in most cases, be less than the amount that was originally charged to the Card for that transaction.

We will debit funds from your Card in Canadian currency if you use your Card to make purchase transactions in a foreign currency. We will convert the transaction amount directly to Canadian dollars using the Visa Conversion Rate in effect at the time we process your transaction and we charge the Foreign Exchange Charge on the converted transaction amount. Any refunds (credits) you receive on your Card in foreign currency will also be converted into Canadian dollars using the Visa exchange rate on the date that we process the refund minus the Foreign Exchange Charge. All transactions, including but not limited to purchase, cash withdrawals, refunds, are subject to the Foreign Exchange Charge.

Protection Against Loss, theft, or Unauthorized Use:
If the Card is lost or stolen, you will be asked to provide us with your name and the Card number, and to answer an identifying question drawn from your personal information. If you lose the Card, someone might be able to use the Balance on the Card. The Card can be used without a PIN to make purchases online.

We will Load any remaining Balance (less the Card replacement fee) onto a new Card, after we have processed all transactions completed before we had an opportunity to act on your information. If you’ve identified any unauthorized usage on your Card, or if you are reporting your Card lost or stolen, please immediately call the customer service anytime to lock your Card. You can also lock your Card through your online login via the Canada Post Website Canada Post Prepaid Reloadable Visa Card website (www.canadapost-prepaid.ca) or through the Canada Post Prepaid Card mobile application. You can call customer service to request for a Card replacement. Applicable fees may apply. Please refer to the fees table above.

You agree, to the extent permitted by Applicable Law, to cooperate with us in our attempts to recover from unauthorized users and to assist in their prosecution.

With the Visa Zero Liability Policy, you will not be liable for any unauthorized use of the Card or account information on any transactions processed by Visa. You must notify us immediately of any unauthorized use. Verification of a Zero Liability claim can take up to one hundred and twenty (120) days once all the required forms and/or documents have been received and confirmed by us, and may require a police investigation.

Notification and Change of Terms:
Subject to the limitations of Applicable Law, we may from time to time amend any term or condition of this Agreement or add a new term or condition, including increasing or adding new fees. As required by Applicable Law, notice of any Amendments will be sent to you at the most recent mailing or email address that we have on record for you. We must, at least thirty (30) days before the Amendment comes into force, send you a written notice drawn up clearly and legibly, setting out the new clause(s) only, or the amended clause(s) and the clause(s) as it (they) read formerly, the date of the coming into force of the Amendment and your rights set forth below.

You may refuse the Amendment and rescind this Agreement without cost, penalty or cancellation indemnity by sending us a notice to that effect no later than thirty (30) days after the Amendment comes into force, if the Amendment entails an increase in your obligations or a reduction in our obligations. If you choose to rescind this Agreement, the Cancellation section of this Agreement will apply. Notification of any Amendment will also be posted on the Website and the App at least sixty (60) days in advance of the effective date of the Amendment, unless otherwise required by Applicable Law. The change will take effect on the date indicated in the notice. You are responsible for informing us of any change in your mailing or email address, by contacting customer service at 1-888-483-0653, and for checking the Website for such notifications. Notice will be deemed to be received by you five (5) days after mailing, or the next business day after electronic mail.

You may notify us by delivering notice to the Distributor or sending notice to us at the Website (other than notification of a lost or stolen Card, which may only be done by telephone as set out above). Notice will be deemed to be received on the date of delivery of notice to us or the Distributor, as applicable, and the next business day after electronic mail.

Cancellation:
You may at any time terminate this Agreement by calling 1-888-483-0653.

We may terminate this Agreement at any time, with or without cause. Upon Agreement cancellation, your Card will also be cancelled, and you should destroy it immediately. Once the Card is cancelled, a cheque for any remaining Balance, less any outstanding fees and preauthorized amounts, will be mailed to you within forty-five

(45) business days from the cancellation date. Despite any termination of this Agreement, you must fulfil your obligations under this Agreement.

We may terminate this Agreement at any time, with or without cause. Upon Agreement cancellation, your Card will also be cancelled, and you should destroy it immediately. Once the Card is cancelled, a cheque for any remaining Balance, less any outstanding fees and preauthorized amounts, will be mailed to you within forty-five

business days from the cancellation date. Despite any termination of this Agreement, you must fulfill your obligations under this Agreement.

We may terminate this Agreement at any time, at which time you will immediately return the Card to us or as we direct, provided that if you are not in default of your obligations under this Agreement, we will notify you in writing at least sixty (60) days before the date of termination. We or our Distributor will reimburse you any remaining Balance on the Card less outstanding fees. Despite any termination of this Agreement, you must fulfil all of your obligations under this Agreement.

Purchase Disputes and Refunds:
If you believe a transaction on your Card is incorrect, you must first address it with the applicable merchant. If you were not able to resolve the dispute with the merchant, you must notify us of your dispute within sixty (60) days of the transaction date by calling the customer service at 1-888-483-0653 during hours of operation (Monday-Friday 7:00 am – 12:00midnight E.T). It can take up to ninety (90) days to have the dispute resolved from the date the dispute is submitted.

If you identify an error in any transaction record, you must address such error with the applicable merchant or ATM operator. We are not responsible for the delivery, quality, safety, legality or any other aspect of any goods or services you purchase with your Card. If there is any dispute in regard to the purchase of goods or services you made using the Card, you agree to settle such disputes with the merchant from whom any such goods or services were purchased. Please ask the merchant for any return policy that may apply to purchases made with the Card. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash.

Arbitration (not applicable to residents of Quebec): Subject to all other terms of this Agreement, and to the extent not prohibited by Applicable Law, you agree that any claim of any kind against us, the Distributor, or Visa arising from or related to this Agreement or the use of the Card (i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shall not be brought through class or individual litigation proceedings. If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

Complaints:
If you have a complaint or inquiry about any aspect of your Card, first attempt to resolve the complaint or inquiry by calling our toll-free customer service number at 1-888-483-0653. If customer service is unable to resolve the complaint or inquiry to your satisfaction, please call us at 1-855-694-6214 or submit your complaint or inquiry through the form found on the Website (Contact Us - Peoples Group (http://www.peoplestrust.com/en/about-us/contact)). We will do our best to resolve your complaint or inquiry.

If for some reason we are unable to resolve the issue to your satisfaction, you may refer your inquiry or complaint to the Ombudsman for Banking Services and Investments at 1-888-451-4519 for resolution. If the Cardholder has a concern regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, the concern may be communicated at any time to the Financial Consumer Agency of Canada, either in person, by letter, by telephone, or through its website at:

Financial Consumer Agency of Canada

427 Laurier Avenue West, 6th Floor

Ottawa, ON, K1R 1B9

Telephone: 1-866-461-3222

Financial Consumer Agency of Canada website (www.fcac-acfc.gc.ca)

Our complaints policy can be found online at: Resolving Your Concerns - Peoples Group (http://www.peoplestrust.com/en/about-us/resolving-your-concerns)

Personal Information Consent:
By applying for a Card, you consent to the collection, use, disclosure and retention of your personal information by us and our service providers for purposes relating to your application for a Card and your use of a Card (if issued to you) and as otherwise described below. The collection of that information is necessary for the entering into and performance of this Agreement. If you do not consent to the collection, use, disclosure, and retention of your personal information, you may not apply for or use a Card. As explained below, you may withdraw your consent at any time by cancelling your Card and all related services from us. We and our service providers will collect information about you (e.g. your name, address, telephone number and date of birth) when you apply for a Card and, if a Card is issued to you, we and our service providers will collect information about you and your use of the Card and related services, including information about your Card transactions (e.g. the date, amount and place of each transaction) (all collectively “Cardholder Information”). We and our service providers will collect your Cardholder Information directly from you and from other sources, including the Distributor and third party providers of identity verification, demographic and fraud prevention services.

We will disclose your Cardholder Information to our service providers to assist us to provide services to you and to provide related services to us. We and our service providers will use, disclose and retain your Cardholder Information to process your application for a Card (including to verify your identity) and, if a Card is issued to you, to provide you with services relating to your Card (including to administer your Card and to process your Card transactions), to protect against fraud and for legal compliance purposes, to perform and enforce this Agreement, to protect and enforce our legal rights and for other purposes required or permitted by Applicable Law.

We maintain physical, electronic, and procedural security measures that comply with Canadian regulations to safeguard Cardholder Information.

We and our service providers may use and store your Cardholder Information at facilities in various countries (including Canada and the United States of America). The personal information protection laws of those countries might be different from the laws of the jurisdiction in which you are located, and might permit courts, government, law enforcement and regulatory agencies and security authorities to access your Cardholder Information without notice. The laws on data protection in other jurisdictions, to which we may transfer your information, may differ from those in your jurisdiction and any personal information transferred to another jurisdiction will be subject to law enforcement and national security authorities in that jurisdiction. Subject to these laws, we will use reasonable measures to maintain protections of your personal information that are equivalent to those that apply in your jurisdiction. You hereby give your consent to such cross-border transfers (including the United States) of such personal information to third parties for the purpose set out above.

We will use and rely on your Cardholder Information to issue and administer your Card and provide related services. We and our service providers will rely on you to ensure that your Cardholder Information is accurate, complete and up to date. You will promptly inform us (by contacting customer service at 1-888-483-0653) of any changes to your Cardholder Information or if you discover any errors in your Cardholder Information. You may communicate with us through our customer service number (or the Website) with regards to requests to access information related to you that we have obtained. If such information is obtained from providers of identity verification data and demographic information, we will inform you of your right of access and correction in relation to the file held by the personal information agent and will indicate to you the manner in which and the place where you may have access to the reports or recommendations and cause them to be corrected, where necessary.

We and our service providers may use your Cardholder Information (including your telephone and mobile phone numbers and your email addresses) to contact you, including by regular and electronic mail, telephone call (including by pre-recorded or artificial voice messages and automatic telephone dialing systems) and instant messaging, regarding your Card and related matters, regardless of whether you incur any long distance or usage charges as a result.

We and our service providers may monitor and record their communications and correspondence with you (including emails, online chats and/or telephone calls) for quality assurance, staff training and legal compliance purposes. With your consent, we and our service providers may share this information for audit related purposes to ensure you are receiving the best possible customer service.

You may withdraw your consent to the collection, use and disclosure of your Cardholder Information at any time by contacting customer service (at 1-888-483-0653) and cancelling your Card and all related services from us. If you withdraw your consent, we will continue to collect, use, disclose and retain your Cardholder Information for as long as may be reasonably required to perform services relating to the cancellation of your Card, to protect against fraud and for legal compliance purposes, to perform and enforce this Agreement, to protect and enforce our legal rights and for other purposes required or permitted by Applicable Law.

In addition to the above, if you consent to a Distributor or other third party collecting and using your personal information (including Cardholder Information) for their own purposes (not as our service provider), including to send marketing and promotional messages to you, then we will not have any control over, and will not be responsible or liable for, the collection, use, disclosure and retention of your personal information by the Distributor or third party, the marketing or promotional messages that they send to you, or any other wrongful act or omission by the Distributor or third party.

The restrictions and requirements described above do not apply to Cardholder Information that is aggregated or otherwise de-personalized and does not identify you.

Our general personal information practices are described in our privacy policy, as amended from time to time, available online at: Privacy Policy - Peoples Group (http://www.peoplestrust.com/en/legal/privacy-security/ privacy).

Safeguarding Your Personal Information:

We protect personal information in our possession or control from loss, theft, alteration and misuse. The safeguards employed by us to protect your personal information depend on the sensitivity, amount, distribution, format and storage of the personal information. Although technologies can make it easier for fraud to occur, we employ around the clock monitoring systems and controls to detect and prevent fraudulent activity. We also build fraud prevention measures into our due diligence processes and regularly update our fraud detection/prevention methods. While we take precautions to protect your personal information from loss, theft, alteration, or misuse, no system or security measure is completely secure. Any transmission of your personal data is at your own risk and we expect that you will use appropriate measures to protect your personal information as well.

No Warranty of Availability or Uninterrupted Use:
FROM TIME TO TIME CARD SERVICES MAY BE INOPERATIVE, AND WHEN THIS HAPPENS, YOU MAY BE UNABLE TO USE YOUR CARD OR OBTAIN INFORMATION ABOUT THE BALANCE ON YOUR CARD. PLEASE NOTIFY US IF YOU HAVE ANY PROBLEMS USING YOUR CARD. YOU AGREE THAT WE ARE NOT RESPONSIBLE FOR ANY INTERRUPTION OF SERVICE.

Assignment:
At our sole discretion, we may assign our rights and responsibilities under this Agreement at any time and without notice to you. If we do make such an assignment, then this Agreement will remain binding on you and your respective executors, administrators, successors, representatives and permitted assigns.

Third Party Claims:
In the event we reimburse you for a refund claim you have made, or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the Card, you are automatically deemed to assign and transfer to us any rights and claims (excluding tort claims) that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to your Card. You agree that you will not pursue any claim against or reimbursement from such third party for the amount that we paid or credited to your Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited to you. If we do not exercise our rights under this section, we do not give up our rights to exercise them in the future.

Disclaimer of Warranties:
EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT AND EXCEPT FOR ANY APPLICABLE WARRANTIES SET OUT IN THE CONSUMER PROTECTION ACT (QUÉBEC), WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING ANY SUBJECT MATTER OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE.

Limitation of Liability:
EXCEPT IN QUÉBEC, OR AS EXPRESSLY REQUIRED BY THIS AGREEMENT OR APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR PERFORMING OR FAILING TO PERFORM ANY OBLIGATION UNDER THIS AGREEMENT UNLESS WE HAVE ACTED IN BAD FAITH. WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, PANDEMIC, EPIDEMIC, PUBLIC HEALTH EMERGENCY, COMMUNICABLE DISEASE OUTBREAK, INSURRECTION, WAR, RIOTS, FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES, FAILURE OF COMMUNICATION SYSTEMS, OR FAILURES OF OR DIFFICULTIES WITH OUR EQUIPMENT OR SYSTEMS. ALSO WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR ANY DELAY, FAILURE OR MALFUNCTION ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, ANY PAYMENT SYSTEM OR ANY CUSTOMER SERVICE FUNCTION. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL AND DIRECT DAMAGES. IN NO EVENT WILL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT, OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES.

Website, App and Availability:
Although considerable effort is made to ensure that our Website and other operational and communications channels available around the clock, we do not warrant these channels to be available and error free at all times. You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor will we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labour disputes and armed conflicts. We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses that may affect your computer or other equipment. You agree to act responsibly with regard to the Website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the Website’s systems and integrity.

Entire Agreement:
This Agreement sets forth the entire understanding and Agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersedes any prior or contemporaneous understandings or Agreements with respect to such subject matter.

Governing Law:
The parties agree that any claim or action brought pursuant to this Agreement will be brought in the exclusive jurisdiction of the courts of British Columbia and this Agreement will be construed in accordance with and governed by the laws of the Province of British Columbia and the laws of Canada applicable therein.

FOR RESIDENTS OF QUÉBEC ONLY: The parties attorn to the jurisdiction of Québec and this Agreement will be construed in accordance with and governed by the laws of the province of Québec and the laws of Canada applicable therein.

Section Headings:
Section headings in this Agreement are for convenience of reference only, and will not govern the interpretation of any provision of this Agreement.

Severability:
If any part of this Agreement is found to be invalid or unenforceable by any court or government agency of competent jurisdiction, that invalidity or unenforceability will not affect the remainder of this Agreement, which will survive and be construed as if such invalid or unenforceable part had not been contained herein.

Contact Information:
If you have questions regarding the Card, or need to report a lost or stolen Card, you may call customer service at 1-888-483-0653.

*Visa Int./Peoples Trust Company, Licensed User

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Updated: November 9 2023