CREDIT CARDS

CREDIT CARDS

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A CARD FOR EVERY NEED

When used wisely, a credit card is a useful and even indispensable payment tool in so many ways. It helps you build a solid credit history and financial reputation-- and makes your life easier when you need to make travel reservations or finance purchases. Each Dominion Lending Centres Visa card has a variety of features to meet your needs, so keep reading to find out which one is right for you.

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FEATURES AND BENEFITS OF DOMINION LENDING CENTRES VISA PERSONAL CARDS

BASIC FEATURES

Annual fee

Annual fee for supplementary card

Interest rate (purchases and cash advances)

BONUSDOLLARS? Rewards Program (also applicable to supplementary cards)

Travel (without restriction) Gift rewards, show tickets

Annual cashback

Administrative charges (overlimit fee, copy of statement charge)

INSURANCE Trip Interruption and Cancellation Insurance

Baggage Coverage Emergency Health Care Coverage Intergenerational Coverage Common Carrier Accident Coverage

Auto Rental Collision/Loss Damage Insurance Mobile Device Insurance Extended Warranty and Purchase Protection

OTHER BENEFITS AND OPTIONS Accord DTM financing Hertz discount Low interest rate

UNIQUE IN CANADA

All rates and fees are effective August 31, 2015, and are subject to change without notice.

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STUDENT Start building your credit

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CLASSIC Indispensable

No fee No fee 19.9%

None

No fee No fee 19.9% Optional: 1% of purchases awarded as BONUSDOLLARS, $30/year

None

3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure

3 days no charge Up to $500/pers.

3 days no charge Up to $5,000,000/pers.

3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure

3 days no charge Up to $500/pers.

3 days no charge Up to $5,000,000/pers.

Included

Included Up to 10% Upon request $30/year ? 12.9%

Included Up to 10% Upon request $30/year ? 12.9%

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NO-FEE GOLD All the benefits of a Gold card,

without the fees

LOW-RATE GOLD The satisfaction of a low rate,

the joy of rewarding yourself

No fee No fee 19.9% 0.5% of purchases awarded as BONUSDOLLARS. Optional: 1% of purchases awarded, $30/year

None

$50 $10/year 10.9% 1% of purchases awarded as BONUSDOLLARS

None

3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure

3 days no charge Up to $500/pers.

3 days no charge Up to $5,000,000/pers.

3 days no charge Max. $500/pers. before departure Max. $1,000/pers. after departure

3 days no charge Up to $500/pers.

3 days no charge Up to $5,000,000/pers.

Included with 1% BONUSDOLLARS option Included

Included Included

Included Up to 20% Upon request $30/year ? 12.9%

Included Up to 20%

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TRAVEL GOLD All-inclusive travel insurance

PLATINUM By invitation only

$110 $30/year 19.9% 1% of purchases awarded as BONUSDOLLARS

None

$169 $50/year 9.9% 1% of purchases awarded as BONUSDOLLARS

1% on net purchases over $20,000 credited once a year to the account (max. $800/year) None

Max. $2,500/pers. before departure Unlimited after departure

Up to 60 days Up to $1,000/pers. Up to 60 days Up to $5,000,000/pers. Included Up to $1,000,000/pers. in the event of accidental death or dismemberment

Maximum 48 days Included Included

Max. $2,500/pers. before departure Unlimited after departure

Up to 60 days Up to $1,000/pers. Up to 60 days Up to $5,000,000/pers.

Up to $1,000,000/pers. in the event of accidental death or dismemberment

Maximum 48 days

Included

Included Up to 20% Upon request $30/year ? 12.9%

Included Up to 20%

TABLE OF CONTENTS

n STUDENT

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n CLASSIC

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n NO-FEE GOLD

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n LOW-RATE GOLD

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n TRAVEL GOLD

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n PLATINUM

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n BONUSDOLLARS?

REWARDS PROGRAM

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n ACCORD DTM FINANCING

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n PRIVILEGES AND SERVICES OFFERED WITH

DOMINION LENDING CENTRES VISA CARDS

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VISA STUDENT

Start building your credit

MOBILE DEVICE INSURANCE1 Coverage up to $1,000 in the event your cell phone, smartphone or tablet is lost, stolen, accidentally damaged or experiences mechanical failure.

THREE-DAY TRAVEL INSURANCE2 No matter how many trips you take during the year, complimentary insurance coverage for trips of three days or less outside Canada or your home province. Coverage may be extended for longer trips. ? Emergency Health Care Coverage

Up to $5,000,000 per person. ? Trip Interruption and Cancellation Insurance4

Up to $500 per person before departure and up to $1,000 per person in the event of cancellation after departure. ? Baggage Coverage Up to $500 per person against theft, damage or delayed baggage. ? Travel assistance service Available at no charge 24/7 from anywhere in the world.

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