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7820 (01/08)
The card thatsupports yourcommunityThe credit union differenceWe’re part of your community. We live herealongside you, sharing the same goals anddreams for our community.Like a caring neighbour, your credit union and itsemployees are active and involved – sponsoringlocal groups, volunteering and supportinglocal causes.Planting theseeds of changeWhen you give back, you helpcommunities growIt’s one of the great things about credit unions –they give back by investing in local communitiesto help them prosper. Our products reflect thiscommitment.By using your CHOICE REWARDS MasterCard card every day, you help your local credit unionnurture your community, helping associationsand organizations take part in our sponsorshipprograms.How does this hands-on approach set us apartfrom other financial institutions? Well, we’renot just concerned about profits. We’re vitallyinterested in the well-being and growth of ourcommunities, offering support to membersand neighbours alike.You can do your part without any effort at all.Simply by using your CHOICE REWARDSMasterCard card, you help to give back. TheCHOICE REWARDS program lets you donatepoints to charity and improve the lives ofCanadians who need it!For more information or to apply online, visitchoicerewards.ca
The effortlessway to giveReward yourselfHelping our community helps us all. That’swhy credit unions work and invest in their localcommunity. We truly believe we can make adifference. It’s also why we offer products likethe CHOICE REWARDS MasterCard card.CHOICE REWARDS – rewards you wantThe CHOICE REWARDS program is more thanjust great deals. It’s one of the most flexiblepoints programs in the world, offering: exceptional choice of rewards easy redemption quick point accumulation no need for a separate collector card Merchandise – Choose from popular categoriessuch as kitchen appliances, home electronics,bed and bath, health and fitness equipment andmuch more.You may also donate your pointsto charity at any time.Points programs are not created equal. AndCanada’s most flexible rewards program is only aphone call away! Every time you use your CHOICEREWARDS MasterCard card for purchases, youcollect points that you can redeem for: Travel – Book many types of travel, from cruises,tour packages, attraction passes, and more, tovarious destinations. Unlike other rewards programs,you can take advantage of seat sales and youare not limited by availability restrictions andblackout periods. Points can be used for a partialpayment or full payment. Gift Cards – A gift card is the perfect way tocelebrate, say thank you or show appreciation.There is a wide variety to choose from, withdifferent denominations. Online Specials – choicerewards.ca showcasesa number of limited-time offers and uniqueitems at discounted point values. Charitable Giving – The program offers atangible opportunity to do something good inyour community. You can redeem and donateyour points directly to national charities. Plus,we make it easy to donate. Simply call theCustomer Contact Centre at 1-888-546-5487.When you give back, good things happen.To view the rewards, simply visitchoicerewards.ca
With the CHOICEREWARDS Vacation Clubyou can get away in styleAs a CHOICE REWARDS member you have access to the Vacation Club – a collection ofhand-picked vacations with special pricing and exclusive, limited-time offers.Make your vacation more rewarding with choices such as: Resorts – Hundreds of hand-picked resortsaround the world!Reap the rewardsThere’s more to the CHOICE REWARDS program than just brand name merchandise,gift cards, charitable giving and great travelspecials. Visit choicerewards.ca today anddiscover what special moments you can createby simply redeeming your points.Kitchen Cruises – Worldwide options make your dreamvacation at sea come true! Tours – See the world and get the best valuepossible for your travel dollar!ElectronicsMake your vacation more rewarding with choices such as: Resorts – Hundreds of hand-picked resortsaround the world! Cruises – Worldwide options make your dreamvacation at sea come true! Tours – See the world and get the best valuepossible for your travel dollar!Travel specials, great merchandise, gift cardsAND charitable donations. No other pointsprogram offers as much choice as theCHOICE REWARDS program.Travel
A family of cards that gives back to your communityCHOICE REWARDS MasterCard ProductsNo FeeCHOICE REWARDSMasterCardLow FeeCHOICE REWARDSMasterCardLow Fee GoldCHOICE REWARDSMasterCardGoldCHOICE REWARDSMasterCardPlatinum ClassMasterCard StudentCHOICE REWARDSMasterCardRewards Program1 CHOICEREWARDS point forevery 2 spent1 CHOICEREWARDS point forevery 1 spent1 CHOICEREWARDS point forevery 1 spent1 CHOICEREWARDS point forevery 1 spent2 Platinum ClassRewards points forevery 1 spent1 CHOICEREWARDS point forevery 1 spentCredit Limit Range 1,000 – 50,000 1,000 – 50,000 2,500 – 50,000 5,000 – 50,000 7,500 – 50,000 500 – 1,000Additional Card FeeFreeFreeFree with theCHOICE REWARDSprogram ( 12 without)Free with theCHOICE REWARDSprogram ( 36 without) 40FreeAnnual FeeNo Fee 24 with theCHOICE REWARDSprogram ( 12 without) 59 with theCHOICE REWARDSprogram ( 35 without) 120 with theCHOICE REWARDSprogram ( 96 without) 150 24 with theCHOICE REWARDSprogram (free without)Interest Rate19.99%19.49%19.49%19.49%19.49%19.49%Travel Health PlanTrip CancellationInsuranceBaggage Delay& Common CarrierAccident InsuranceUnexpectedReturn HomePurchase Assurance& Extended WarrantyEmergencyCards & CashMaster RoadAssist Car RentalCollision DamageWaiver BenefitsPersonal Effects& AccidentalDeath CoverageRewardsTravel FeaturesAuto FeaturesCard InformationProtection Features
Choose what’sright for you andfeel good about itThe cardrecommended byyour credit unionLow Fee CHOICE REWARDS MasterCard Looking for great benefits and value in a creditcard? This is your card. In fact, this is the cardfor anyone looking for lots of extras at a low fee.Enjoy the added security of benefits like extendedwarranty and purchase assurance. Travel worryfree with common carrier travel insurance coverageand, of course, collect CHOICE REWARDSpoints on every purchase.Platinum Class MasterCard The Platinum Class MasterCard card offers youexclusive access to the Platinum Class Rewardsprogram. Collect rewards points faster (2 pointsfor every 1 spent) and apply them towards anykind of travel offered by the Platinum Class TravelAgency. You can also redeem points for premiummerchandise. The Platinum Class card featuresan outstanding coverage package, includingout-of-province/country medical insurance,MasterPurchase , MasterRental , MasterTrip and MasterLegal .Gold CHOICE REWARDS MasterCardThis is the gold card that offers premium features, the CHOICE REWARDS program and a whole package of outstanding benefits, including outof-province/country medical insurance, car rentalinsurance, trip cancellation, purchase assuranceand extended warranty insurance. The perfectcard for those who want a higher credit limit andthe added security of an extended travel package.Low Fee Gold CHOICE REWARDS MasterCardThis is the card for people seeking the extensivebenefits of a gold card but don’t require travelmedical insurance. Stay covered with purchaseassurance, extended warranty, MasterRental ,MasterTrip and MasterLegal , and earn pointson every purchase. For those who want prestige,rewards and the benefits of a gold card at a lowerfee, this is it!Student CHOICE REWARDS MasterCardThe Student CHOICE REWARDS MasterCard cardlets students build a credit history while collectingpoints. With a credit limit of up to 1,000, theStudent CHOICE REWARDS MasterCard cardalso features the benefits of purchase assurance,extended warranty, and 100,000 common carrieraccident insurance. Students must be the age ofmajority in their province of residence.No Fee CHOICE REWARDS MasterCardNeed only the standard features? Here’s a perfectsolution. You automatically gain points withevery purchase without a separate collector card.Collect points at half the rate of the other cards,one point for every 2 spent.
Comprehensivebenefit packagefrom MasterCard Protecting youfrom fraudPeace of mind comes standardFREE security featuresMasterTrip With MasterTrip you can travel with confidence,knowing you have access to: Common Carrier Accident Insurance Trip Cancellation Insurance Unexpected Return Home Insurance and much moreZero LiabilityIf someone ever makes an unauthorized purchasewith your card, you’ll be completely covered for the loss.*MasterPurchase Protect your newly acquired treasures with thesecoverage benefits: Purchase Assurance Extended WarrantyMasterLegal In the unlikely event you have legal troublesabroad, MasterLegal can help.MasterRental Extra protection for car rentals. You’ll beprotected by: Collision Damage Waiver Insurance Accidental Death and DismembermentInsurance Personal Effects InsuranceMasterCard offers you a whole new levelof protection.Balance Protection InsuranceIf something unexpected happens, Balance ProtectionInsurance can give you extra peace of mind. Moreinformation is provided on the back of the application.Enrol at the time of applying.Early Fraud DetectionWe monitor your account 24/7. If we see anythingsuspicious, we’ll call you immediately.24-Hour Lost/Stolen Card ReportingIf your card is ever lost or stolen, call 1-800-LOST-111(1-800-567-8111). Outside North America, callcollect 306-566-1276. We’ll get you a new cardor emergency cash right away.MasterCard SecureCode An extra Personal Identification Number to use whenshopping online to make your purchases evensafer. Visit www.securecode.com/cumastercardto enrol!Credit Alert Credit Alert is a comprehensive creditbureau account monitoring serviceavailable for an additional fee. It’s theultimate security and a great way toprotect your credit rating.Call 1-800-561-7849 to enrol.* Provided your account is in good standing, you have exercised reasonablecare in safeguarding your card and PIN, and you have not reported two or moreunauthorized events in the past 12 months.
Terms and conditionsCUETS FINANCIAL MASTERCARD CREDIT CARD APPLICATIONTERMS AND CONDITIONS:I HEREBY: (a) certify the information provided by me on or about thedate set forth herein in making application for a CUETS Financial Ltd.("CUETS Financial") MasterCard to be true and complete; (b) requestCUETS Financial MasterCard Credit Card(s) be issued as indicatedon the application, and renewals or replacements of that (these)card(s) from time to time; and (c) agree to read the CUETS FinancialMasterCard Terms of Operation (the “Terms”) which accompany thecard(s), as such Terms may be amended from time to time. If I accept,sign, activate, or use such card(s) that shall evidence that I am boundby the Terms. I also acknowledge that: (i) any transaction is betweenme and CUETS Financial; (ii) the credit union/caisse populaire may earnremuneration paid by CUETS Financial as a result of any transaction; and(iii) that the credit union/caisse populaire may not require, as a conditionof any transaction, that I transact other business with the credit union/caisse populaire or with CUETS Financial.I UNDERSTAND THAT: (a) CUETS Financial may accept or rejectmy application; (b) CUETS Financial may change the interest rate orimpose or change other fees under this agreement; and (c) the costof borrowing under this agreement will change as the interest rate orother fees, or the balance outstanding, changes, and that my monthlypayments will change as the cost of borrowing changes.I CONSENT TO, AND ACCEPT THIS AS WRITTEN NOTICE OF, CUETSFinancial collecting, obtaining, storing, using, disclosing, or exchangingany account, credit, personal, financial or other information (includinginformation relating to transactions) from me or about me (“Information”)at any time, from, to or with any credit bureau, credit grantor or otherperson in connection with any relationships I have with or throughCUETS Financial or those I may wish to establish with CUETS Financial,or affiliates or service suppliers of CUETS Financial, and from referencesI have provided to CUETS Financial, for the following purposes:(a) to determine my financial situation; (b) to disclose it to a creditbureau, credit insurer or other financial institution in order to maintainthe accuracy of information used in determining creditworthiness;(c) to provide me with CUETS Financial services; (d) to disclose itto anyone working with or for CUETS Financial, but only as neededfor providing CUETS Financial services; (e) to provide me withinformation and offers, where not prohibited by law, on CUETSFinancial products and services or those of others, that CUETSFinancial believes may be of interest to me unless I have alreadyrequested that my Information not be used in this way; and (f) toshare it, where not prohibited by law, with my credit union/caissepopulaire, affiliates, and, with respect to Information of a non-sensitivenature (such as name, address, and telephone number), servicesuppliers, so that they can provide me with information and offerson their products and services that they believe may be of interestto me, for the purposes of administering and analyzing customersatisfaction surveys, and so that CUETS Financial, its affiliates orservice suppliers, can fulfill any information request I may make abouttheir products or services, unless I have already requested that myInformation not be used in this way.IN THESE TERMS AND CONDITIONS, “affiliates” and “service suppliers”means affiliates of my credit union/caisse populaire and/or CUETSFinancial, and carefully selected service suppliers that are engaged inthe business of providing products and services including as follows:deposits, loans and other financial services, credit, payment and cardservices, trust and custodial services, securities and brokerage services,insurance services, information and technology services, consultingservices, and personal credit and identity protection services.WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, I consentto, and accept this as prior written notice of CUETS Financial obtaininga credit report or other Information about me from time to time. CUETSFinancial may use my Social Insurance Number, if provided, as an aid toidentify me with credit bureaus and other financial institutions for credithistory matching purposes.The use of Information for the purposes described in (e) and (f), and theuse of my Social Insurance Number, if provided, is at my option, andif I do not wish my Information to be used in these ways, or my SocialInsurance Number to be used, I will not be refused credit as a result ofthat choice. I may tell CUETS Financial to stop using my Information inthe ways described in (e) and (f) and to stop using my Social InsuranceNumber, at any time and I may ask CUETS Financial to send me a copyof CUETS Financial’s privacy code by calling 1-800-561-7849 orwriting to CUETS Financial at 2055 Albert St., PO Box 3030, Regina,SK, S4P 3G8.I AGREE THAT the credit union/caisse populaire may on behalf ofCUETS Financial retain in its file my application for a CUETS FinancialMasterCard credit card, including the information set forth in the signedapplication, and these terms and conditions.I FURTHER AGREE THAT CUETS FINANCIAL, or its service suppliers,may monitor and record telephone calls with me to ensure quality ofservice and for purposes of accuracy and verification.Authorized Users are not liable for debt incurred on the account,cannot make changes on the account, and may not access accountinformation.Applicants may obtain general information including informationrespecting interest rates, dates of interest rate accrual, grace periods,and the amount of any non-interest charges that are applicable to aspecific card product by calling our toll-free number, 1-800-561-7849.Customer service representatives are available 24 hours a day, 7 daysa week. MASTERCARD, PLATINUM CLASS MASTERCARD, MASTERROADASSIST, MASTERRENTAL, MASTERTRIP, MASTERPURCHASEand MASTERLEGAL are registered trademarks of MasterCardInternational Incorporated and are used under licence.TM MASTERCARD SECURECODE is a trademark owned by MasterCardInternational Incorporated and is used under licence. CREDIT ALERT is a registered trademark of Intersections Inc. CreditAlert is provided by Intersections Inc. in conjunction with CarlsonMarketing Group Canada Ltd. TM CHOICE REWARDS is a registered trademark of CUETS Financial Ltd.
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Like a caring neighbour, your credit union and itsemployees are active and involved – sponsoringlocal groups, volunteering and supportinglocal causes.I AGREE THAT the credit union/caisse populaire may on behalf ofCUETS Financial retain in its file my application for a CUETS FinancialMasterCard credit card, including the information set forth in the signedapplication, and these terms and conditions.I FURTHER AGREE THAT CUETS FINANCIAL, or its service suppliers,may monitor and record telephone calls with me to ensure quality ofservice and for purposes of accuracy and verification.Authorized Users are not liable for debt incurred on the account,cannot make changes on the account, and may not access accountinformation.Applicants may obtain general information including informationrespecting interest rates, dates of interest rate accrual, grace periods,and the amount of any non-interest charges that are applicable to aspecific card product by calling our toll-free number, 1-800-561-7849.Customer service representatives are available 24 hours a day, 7 daysa week.CUETS FINANCIAL MASTERCARD APPLICATIONHome AddressProvinceLast NamePostal CodeHow long at current employer?YearsMonthsNo Fee CHOICE REWARDS MasterCardFor Internal Use OnlyBranch #()First NameHome AddressCity/TownApt. NumberWhen do you expect to graduate?(MM/YY)Postal Code()–How long at this location?YearsMonthsHome TelephoneDate of Birth (DD/MM/YY)Date (DD/MM/YY)I have read the terms and conditions listed in this application and agree to abide by them.Account NumberCredit Limit Requested**In the event the balance transfer amounts exceed the assigned line of credit, CUETS Financial will transfer the entire credit line, crediting the first designated item first, with any remaining amount credited to item 2, then 3 (attachanother form if further Balance Transfers are required). Please continue to make payments on these accounts until a statement is received indicating a zero balance. Please allow 3 – 4 weeks for balance transfer processing. The BalanceTransfer Request cannot be used to pay any other CUETS Financial MasterCard products. Balance transfers will be posted as cash advances to the applicant’s MasterCard account. Interest on balance transfers will be charged from the datethe transfer is posted to your account until payment in full is received by us. Stop payments are not allowed on balance transfers. It will be the applicant’s responsibility to ensure the paid account is fully closed with the financial institution. Allfunds will be paid in Canadian currency.Applicant SignatureThe balance amount I want to transfer from this card to my CUETS Financial MasterCard is Payment Address (Street, City, Postal Code)Card Issuer (Financial Institution, Retailer, etc.)For balance transfers from a financial institution credit card or retail credit card, earn one CHOICE REWARDS point per dollar transferred to the No Fee, Low Fee, Low Fee Gold, Gold, and Studentcards, or earn one Platinum Class Rewards point per dollar transferred to the Platinum Class card.BALANCE TRANSFER REQUEST**Are you attending Full Time Part time How many years have you successfully completed? 1 2 3 4ProvinceRelationship to ApplicantPostal CodeName of College/University you attendYour address at school (if different than permanent home address)Your portion of monthly rent or board at school address
CUETS Financial MasterCard Credit Card(s) be issued as indicated on the application, and renewals or replacements of that (these) card(s) from time to time; and (c) agree to read the CUETS Financial MasterCard Terms of Operation (the “Terms”) which accompany the card(s), as
