CARD PRODUCTS

• Torquay Credit Union offers a full "deck" of cards designed to meet all your card needs, including:

• MEMBER CARD® Debit Card
• Credit Union GLOBAL PAYMENT™ MasterCard® (also available in Gold)
• Credit Union MasterCard® Credit Card (also available in Gold and Platinum Class)
• Credit Union Student MasterCard® Credit Card

• These cards:

• Give you access to your accounts at over 330,000 ATMs worldwide for cash withdrawals.
• Are a secure and safe way to make purchases, without having to carry cash or cheques.
• Are hassle-free, as no identification is required.

Monthly statements are provided for easy record keeping.

Should you discover your card(s) lost or stolen, a 24-Hour Hotline must be contacted immediately.

1-800-LOST-111 or 1-800-567-8111

In addition to the benefits above, each card offers its own unique features and benefits.

• MEMBER CARD® Debit Card

• Requires a PIN (Personal Identification Number) for you to gain access to your accounts. If your card is lost/stolen, no one can access your account unless they know your PIN.
• Allows you to pay for purchases from your chequing, line of credit, or savings, without using cash, at any retail location worldwide displaying the INTERAC® Direct Payment sign.
• During the year, you will have the chance to win cash during the MEMBER CARD® Debit Card Sweepstakes. Your name is automatically entered every time you use your card during the Sweepstakes.

• Credit Union GLOBAL PAYMENT™ MasterCard

• Looks like a credit card but works like a cheque, so there are no bills to pay at the end of the month.
• Can be used for mail order, telephone or Internet purchases.
• Requires a signature when using for purchases or cash advances, with the exception of Internet purchases.
• Purchase Protection Insurance most purchases you make are automatically insured against theft or damage for a full 90 days from the date of purchase.
• Global Access you have the power to purchase at over 14 million locations, in 220 Countries, worldwide, that accept MasterCard®.
• $1,000.00 Accidental Death Insurance.
• Thomas Cook Travel Assistance.
• $100,000.00 Travel Accident Insurance if you purchase your travel tickets in full with your card.
• Extended Warranty Insurance double the original manufacturer's warranty up to one extra year on most items you purchase with your card.
• Master RoadAssist™ 24-hour roadside assistance in Canada or the continental US at reasonable rates by calling 1-800-622-1307.
• Optional Choice Rewards™

• Credit Union MasterCard® Credit Card

• Same features as the Credit Union GLOBAL PAYMENT™ MasterCard® with the exception of Purchase Protection Insurance and Extended Warranty Insurance.
• You have the convenience of "buy now, pay later".
• A monthly statement is issued with no interest to pay if the balance is paid in full within the 21 day grace period.
• Credit Card Registry register all your Canadian credit cards plus those of your spouse and dependents. If your cards become lost or stolen, one call will cancel all of them.

• Credit Union Gold MasterCard® Cards

• Credit Union Gold cards offer you all the features and benefits of the standard GLOBAL PAYMENT™ MasterCard® and Credit Union MasterCard® Credit Card, plus more.
• Purchase Protection Insurance coverage is unlimited (standard coverage limit is $ 5,000 per item); computers are covered (not with standard card); covers stolen, damaged or lost items (standard card only covers stolen or damaged).
• MasterTrip™ Common Carrier Travel Accident Insurance limits are higher than the standard card (ie. Loss of life standard card $ 100,000; $ 500,000 on Gold card).
• Trip Cancellation Insurance (part of Blue Cross Travel Health Pkg.) provides $ 3,000 coverage (standard card is $ 1,000).
• MasterRental™ - Rent a car and be protected by: Collision Damage Waiver Insurance, Personal Accident Insurance and Personal Effects Insurance.
• MasterLegal™ a referral service which assists card-holders who encounter legal difficulties in another country.
• Annual Fees applicable.

• Credit Union Platinum Class MasterCard® Credit Card

• A "best in class" product for members seeking a credit card offering a high spending limit and superior travel benefits. Includes all the benefits and features of the Gold Card (with the exception of Choice Rewards™ plus a Platinum Class Travel Rewards program that offers twice the redemption value of Choice Rewards™.
• Minimum $7,500 credit limit, to a maximum of $50,000.
• Platinum Class Travel Rewards Program includes: exclusive in-house travel agency; hotel and car rental discounts; no blackout periods; choice of Carrier with unrestricted seating; Platinum Class service (exclusive toll-free number and MC International service standards).
• Competitive interest rates with a 21-day grace period.
• Annual fees applicable.

• Student MasterCard® Credit Card

• A unique no-fee credit card designed for students attending post-secondary education
• A credit limit of $500 to $1,000.
• Protection, security and convenience.
• An opportunity to build a credit history, making it easier to rent an apartment, secure other forms of credit, or qualify for a loan.
• Purchase Protection, Extended Warranty, Master RoadAssist™.
• $100,000 Common Carrier Travel Accident Insurance.
• Lost/Stolen card assistance and emergency card and cash replacement.

Choice Rewards™ Program

Earns you valuable points, each time you use your card(s), redeemable for brand name merchandise, travel packages/certificates. Every dollar you spend with your card earns you one Choice Rewards™ point. Cost is $24/year/membership/card type.

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