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Please read and agree to the following Application Authorization and other Important Information:

APPLICATION AUTHORIZATION

I, the applicant, apply for a Canadian Tire High Interest Savings Account (the “Account”). By submitting this application, I understand and agree as follows:

  • I will be bound by the Terms and Conditions for Deposit Products, as may be amended from time to time;
  • You may collect, use, retain and share my personal information in accordance with the Canadian Tire Privacy Charter;
  • If this application is a joint application, I understand that the information of all parties will need to be verified and you will take instructions from or disclose Account information to any one of the Account holders. If one of the applicants (the "joint applicant") does not provide all of the necessary information or consents, then the Account will be opened only for the applicant(s) (the "initial applicant") who provided all of the necessary information and consents. The joint applicant can be added to the Account (other than to an Account that is a Guaranteed Investment Certificate that has been issued) once the joint applicant provides any missing information and the initial applicant(s) authorize(s) the addition of the joint applicant to the Account; and
  • I represent and warrant that I am a resident of Canada, am at least 18 years of age and that the information supplied on this application is true and complete and that I agree and consent to everything set out in this application.

IMPORTANT ACCOUNT INFORMATION

Interest Rate: Please see our rates page for the current annual rate of interest for this account. The interest rate is subject to change without notice. Visit ctfs.com for current rates.
Interest Calculation: Interest is calculated daily at a daily rate which is equal to the annual rate divided by 365 (or 366 as the case may be) on the closing balance each day in your account and is paid monthly by crediting your account. The higher the balance you maintain in your account the more interest you can earn.
Fees: The following are the only charges applicable to the account.
Drafts / Office Cheques (Canadian dollars only) $5.00
Wire transfer to another Canadian financial institution (other than your External Account) $20.00
Wire transfer to a foreign financial institution $30.00
Cheque, pre-authorized debit or other payment item drawn on an account that is returned for insufficient funds (NSF) $30.00
If your Account goes into overdraft $5.00
If a cheque drawn on another financial institution is deposited to your account but is not honoured by that other financial institution $7.50
Stop Payment with complete information, for a single cheque or a range of cheques $10.00
Stop Payment with incomplete information (per item) $20.00
Copies of Past Account Statements (per copy) $5.00
Transfer TFSA from us to another financial institution $50.00

For inactive Accounts:
- after 2 years, the lesser of the balance or $20.00. Waived if balance is greater than $20.00
- after 5 years, the lesser of the balance or $30.00. Waived if balance is greater than $30.00
- after 9 years, the lesser of the balance or $40.00. Waived if balance is greater than $40.00
Holds on Funds: For a qualifying cheque deposited to a qualifying account the maximum hold period is 5 business days after the day of the deposit for cheques of $1500 or less and the maximum hold period is 8 business days after the day of the deposit for cheques over $1500. Please note, in either case you will have access to the first $100 1 business day after the day of deposit.
qualifying account – For the above hold periods to apply, your account must
• have been open for 90 days when the cheque was deposited, and
• not have been opened with an initial deposit exceeding $149,999 (or such greater amount that is prescribed under the federal Bank Act).
qualifying cheques – For the above hold periods to apply, the cheque that you deposit must
• be printed on paper and encoded with magnetic ink,
• not be damaged or mutilated such that it is unreadable by cheque clearing systems,
• be drawn in Canadian dollars on a branch of an institution (as defined in the Bank Act) located in Canada,
• not have been endorsed more than once, and
• not be dated earlier than 6 months before it is deposited.
If your account or the cheque does not meet the above conditions, or if the deposit is made by an electronic funds transfer, the hold period may be up to 10 business days, and you may not be entitled to access the first $100 during that time. We may, in our discretion, also increase the hold period beyond 10 business days if we need more time to make sure that your cheque or electronic funds transfer will be honoured. We may, at our discretion, accept cheques in US dollars (or some other currency) which we may hold for up to 30 business days.
Electronic Alerts: We will be sending you an electronic alert via email or text message if you have provided us with the required contact information and the balance in your account falls below $100, or such other amount as may be prescribed by law or you select. If you have provided both an email address and a mobile phone number, we will send the alert to you via email. You can change the threshold at which an alert will be sent by contacting us by telephone. If you have multiple products with us and have provided the required contact information for only one product, we will use that contact information to send you any required alerts, regardless of which product the alert is for. Subject to any restrictions imposed by law, you can opt-out of receiving electronic alerts in writing by sending us a letter.
Closing Your Account: You can close your account at any time without penalty, however, a charge may apply if you request a wire transfer or a draft.

If you have questions about Canadian Tire Bank’s Terms and Conditions for Deposit Products you can contact us at 1-866-606-2837 and speak to one of our New Account Specialists. A copy of these Terms and Conditions are available here.

APPLICATION AUTHORIZATION

I, the applicant, apply for a Canadian Tire GIC (the “Account”). By submitting this application, I understand and agree as follows:

  • I will be bound by the Terms and Conditions for Deposit Products, as may be amended from time to time;
  • You may collect, use, retain and share my personal information in accordance with the Canadian Tire Privacy Charter;
  • If this application is a joint application, I understand that the information of all parties will need to be verified and you will take instructions from or disclose Account information to any one of the Account holders. If one of the applicants (the "joint applicant") does not provide all of the necessary information or consents, then the Account will be opened only for the applicant(s) (the "initial applicant") who provided all of the necessary information and consents. The joint applicant can be added to the Account (other than to an Account that is a Guaranteed Investment Certificate that has been issued) once the joint applicant provides any missing information and consents and the initial applicant(s) authorize(s) the addition of the joint applicant to the Account; and
  • I represent and warrant that I am a resident of Canada, am at least 18 years of age and that the information supplied on this application is true and complete and that I agree and consent to everything set out in this application.

IMPORTANT ACCOUNT INFORMATION

Interest Rate: Please see the rates page for the current rate applicable to the GIC you have selected. This rate is guaranteed only for the Principal Amount you have indicated, for fifteen (15) days from the date we receive your application. If the Principal Amount you decide to invest is different than the amount noted, please call 1-866-681-2837to verify the applicable interest rate for the new GIC. You can also call this number to obtain our current interest rates.
Interest Calculation & Payment: Interest is calculated at the applicable annual rate based on the principal amount and the number of days in the term of your GIC. Interest will be paid on the maturity of your GIC - until then you will earn interest on accrued and unpaid interest (compound interest), which will be calculated annually. This will increase the interest you will receive on your GIC. Alternatively, you can choose to be paid interest annually. If you do, you will not earn compound interest. Interest is paid by cheque or deposited into a savings account you may have with us depending on your instructions. At maturity, interest is added to the principal and repaid as set out in “Repayment of Principal” below.
Fees Applicable to GICs: The only fee that we currently charge that is specific to a GIC is a $5 fee that is charged to you if you request a draft. The fee is deducted from your principal. Since the amount of principal will be reduced, this also reduces the amount of interest you can earn. Please see the Terms and Conditions for Deposit Products for a list of all the fees that we currently charge.
No Redemption: You may not redeem your GIC prior to its maturity, but if you die while holding your GIC in your own name (and not jointly) or if you move to Quebec or outside Canada, then your GIC will be terminated and you will receive interest only up to the date of termination. If you hold your GIC in a TFSA and in order to obtain a refund of an over contribution to the TFSA, you must redeem the GIC, or if you wish to transfer all or part of your GIC to another TFSA , then in either case you will forfeit all interest that has accrued on the GIC.
Cancellation: You cannot cancel your purchase of a GIC unless it is a GIC issued on renewal.
Investment Period: Your investment will begin the day that we receive your deposit. The maturity date will depend on the length of term you select.
Maturity & Renewal: If you do not provide us with instructions at least one (1) day before your GIC matures, the principal and accrued interest on your GIC will automatically be reinvested in a new GIC for the same term at the annual interest rate we pay at that time. There is no fee for the issuance of the new GIC and no fee for cancelling it if cancellation is within 10 business days of issuance. You can obtain the most up to date rate by calling us at 1-866-681-2837or by visiting the rates pages on our website (www.ctfs.com).
Repayment of Principal: Your principal will be repaid to you on maturity of your GIC if you instruct us to do so. As outlined above, if we do not receive instructions from you, the principal will be reinvested. If not reinvested, the principal, together with any accumulated interest that has been added to the principal, will be repaid to you by cheque or deposited into a savings account that you have with us depending on your instructions.
Amendments: Your GIC is governed by Canadian Tire Bank’s Terms and Conditions for Deposit Products (the “T&Cs”). The T&Cs can be amended by us at any time upon advance notice to you. Any change to the T&Cs will not impact the interest rate you are earning on your GIC, how interest in calculated and the term and maturity date of your GIC.
If you have questions about the T&Cs you can contact us at 1-866-606-2837 and speak to one of our New Account Specialists.

APPLICATION AUTHORIZATION

I, the applicant, apply for a Canadian Tire Tax Free High Interest Savings account (the “Account”). By submitting this application, I understand and agree as follows:

  • I will be bound by the Terms and Conditions for Deposit Products and the Canadian Tire Bank Tax Free Savings Account Arrangement, as each may be amended from time to time;
  • You may collect, use, retain and share my personal information in accordance with the Canadian Tire Privacy Charter;
  • I request that Canadian Tire Bank file an election to register my arrangement as a tax-free savings account in accordance with section 146.2 of the Income Tax Act (Canada), and if necessary, under any Provincial tax legislation. My date of birth and social insurance number are required in order to register my tax-free savings account with the Canadian Revenue Agency;
  • I represent and warrant that I am a resident of Canada, am at least 18 years of age and that the information supplied on this application is true and complete and that I agree and consent to everything set out in this application.

IMPORTANT ACCOUNT INFORMATION

Interest Rate: Please see our rates page for the current annual rate of interest for this account. The interest rate is subject to change without notice. Visit ctfs.com for current rates.
Interest Calculation: Interest is calculated daily at a daily rate which is equal to the annual rate divided by 365 (or 366 as the case may be) on the closing balance each day in your account and is paid monthly by crediting your account. The higher the balance you maintain in your account the more interest you can earn.
Charges Specific to a Tax Free Savings Account: Transfer TFSA from us to another financial institution $50.00
You will be notified in advance in writing of any change to this charge or the implementation of any new charges.
Fees: The following are the only charges applicable to the account.
Drafts / Office Cheques (Canadian dollars only) $5.00
Wire transfer to another Canadian financial institution (other than your External Account) $20.00
Wire transfer to a foreign financial institution $30.00
Cheque, pre-authorized debit or other payment item drawn on an account that is returned for insufficient funds (NSF) $30.00
If your Account goes into overdraft $5.00
If a cheque drawn on another financial institution is deposited to your account but is not honoured by that other financial institution $7.50
Stop Payment with complete information, for a single cheque or a range of cheques $10.00
Stop Payment with incomplete information (per item) $20.00
Copies of Past Account Statements (per copy) $5.00

For inactive Accounts:
- after 2 years, the lesser of the balance or $20.00. Waived if balance is greater than $20.00
- after 5 years, the lesser of the balance or $30.00. Waived if balance is greater than $30.00
- after 9 years, the lesser of the balance or $40.00. Waived if balance is greater than $40.00
Holds on Funds: For a qualifying cheque deposited to a qualifying account the maximum hold period is 5 business days after the day of the deposit for cheques of $1500 or less and the maximum hold period is 8 business days after the day of the deposit for cheques over $1500. Please note, in either case you will have access to the first $100 1 business day after the day of deposit.
qualifying account – For the above hold periods to apply, your account must
• have been open for 90 days when the cheque was deposited, and
• not have been opened with an initial deposit exceeding $149,999 (or such greater amount that is prescribed under the federal Bank Act).
qualifying cheques – For the above hold periods to apply, the cheque that you deposit must
• be printed on paper and encoded with magnetic ink,
• not be damaged or mutilated such that it is unreadable by cheque clearing systems,
• be drawn in Canadian dollars on a branch of an institution (as defined in the Bank Act) located in Canada,
• not have been endorsed more than once, and
• not be dated earlier than 6 months before it is deposited.
If your account or the cheque does not meet the above conditions, or if the deposit is made by an electronic funds transfer, the hold period may be up to 10 business days, and you may not be entitled to access the first $100 during that time. We may, in our discretion, also increase the hold period beyond 10 business days if we need more time to make sure that your cheque or electronic funds transfer will be honoured. We may, at our discretion, accept cheques in US dollars (or some other currency) which we may hold for up to 30 business days.
Electronic Alerts: We will be sending you an electronic alert via email or text message if you have provided us with the required contact information and the balance in your account falls below $100, or such other amount as may be prescribed by law or you select. If you have provided both an email address and a mobile phone number, we will send the alert to you via email. You can change the threshold at which an alert will be sent by contacting us by telephone. If you have multiple products with us and have provided the required contact information for only one product, we will use that contact information to send you any required alerts, regardless of which product the alert is for. Subject to any restrictions imposed by law, you can opt-out of receiving electronic alerts in writing by sending us a letter.

If you have questions about Canadian Tire Bank’s Terms and Conditions for Deposit Products you can contact us at 1-866-606-2837 and speak to one of our New Account Specialists. A copy of these Terms and Conditions are available here.

APPLICATION AUTHORIZATION

I, the applicant, apply for a Canadian Tire Tax Free GIC (the “Account”). By submitting this application, I understand and agree as follows:

  • I will be bound by the Terms and Conditions for Deposit Products and the Canadian Tire Bank Tax Free Savings Account Arrangement, as each may be amended from time to time;
  • You may collect, use, retain and share my personal information in accordance with the Canadian Tire Privacy Charter;
  • I request that Canadian Tire Bank file an election to register my arrangement as a tax-free savings account in accordance with section 146.2 of the Income Tax Act (Canada), and if necessary, under any Provincial tax legislation. My date of birth and social insurance number are required in order to register my tax-free savings account with the Canadian Revenue Agency;
  • I represent and warrant that I am a resident of Canada, am at least 18 years of age and that the information supplied on this application is true and complete and that I agree and consent to everything set out in this application.

IMPORTANT ACCOUNT INFORMATION

Interest Rate: Please see the rates page for the current rate applicable to the GIC you have selected. This rate is guaranteed only for the Principal Amount you have indicated, for fifteen (15) days from the date we receive your application. If the Principal Amount you decide to invest is different than the amount noted, please call 1-866-681-2837 to verify the applicable interest rate for the new GIC. You can also call this number to obtain our current interest rates.
Interest Calculation & Payment: Interest is calculated at the applicable annual rate based on the principal amount and the number of days in the term of your GIC. Interest will be paid on the maturity of your GIC - until then you will earn interest on accrued and unpaid interest (compound interest), which will be calculated annually. This will increase the interest you will receive on your GIC. Alternatively, you can choose to be paid interest annually. If you do, you will not earn compound interest. Interest is paid by cheque or deposited into a savings account you may have with us depending on your instructions. At maturity, interest is added to the principal and repaid as set out in “Repayment of Principal” below.
Fees Applicable to GICs: The only fee that we currently charge that is specific to a GIC is a $5 fee that is charged to you if you request a draft. The fee is deducted from your principal. Since the amount of principal will be reduced, this also reduces the amount of interest you can earn.

There are no charges specific to a Tax Free Savings Account that apply to GICs. You will be notified in advance in writing of the implementation of any new charge or the change to such a charge.

Please see the Terms and Conditions for Deposit Products for a list of all the fees that we currently charge.
Cancellation: You cannot cancel your purchase of a GIC unless it is a GIC issued on renewal.
No Redemption: You may not redeem your GIC prior to its maturity, but if you die while holding your GIC in your own name (and not jointly) or if you move to Quebec or outside Canada, then your GIC will be terminated and you will receive interest only up to the date of termination. If you hold your GIC in a TFSA and in order to obtain a refund of an over contribution to the TFSA, you must redeem the GIC, or if you wish to transfer all or part of your GIC to another TFSA , then in either case you will forfeit all interest that has accrued on the GIC.
Investment Period: Your investment will begin the day that we receive your deposit. The maturity date will depend on the length of term you select.
Maturity & Renewal: If you do not provide us with instructions at least one (1) day before your GIC matures, the principal and accrued interest on your GIC will automatically be reinvested in a new GIC for the same term at the annual interest rate we pay at that time. There is no fee for the issuance of the new GIC and no fee for cancelling it if cancellation is within 10 business days of issuance. You can obtain the most up to date rate by calling us at 1-866-681-2837or by visiting the rates pages on our website (www.ctfs.com).
Repayment of Principal: Your principal will be repaid to you on maturity of your GIC if you instruct us to do so. As outlined above, if we do not receive instructions from you, the principal will be reinvested. If not reinvested, the principal, together with any accumulated interest that has been added to the principal, will be repaid to you by cheque or deposited into a savings account that you have with us depending on your instructions.
Amendments: Your GIC is governed by Canadian Tire Bank’s Terms and Conditions for Deposit Products (the “T&Cs”). The T&Cs can be amended by us at any time upon advance notice to you. Any change to the T&Cs will not impact the interest rate you are earning on your GIC, how interest in calculated and the term and maturity date of your GIC.
If you have questions about the T&Cs you can contact us at 1-866-606-2837 and speak to one of our New Account Specialists. A copy of the T&Cs is enclosed.
You must fully read the T&Cs before you can agree to the Terms and Conditions.
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What Happens Next?

Instruction Package
We’ll mail you an instruction package - you should receive it within the next 10 business days. The instruction package will outline the next steps and request that you complete the Direct Transfer Authorization form along with other documentation we require.

Declaration Of Tax
You must fill out and return the included Declaration of Tax Residence for Individuals form accurately and correctly. We cannot open an account for you unless this information is provided. If we do not receive the completed form, your application will be cancelled.

Other Important Information
Once we receive your Direct Transfer Authorization form and all other documents noted in the instruction letter, we will mail you a welcome package that outlines how your account works and will ask you to call Customer Support to set up your password for online and telephone access to your account.

Instruction Package
We’ll mail you an instruction package - you should receive it within the next 10 business days. The instruction package will outline the next steps and request that you complete the Direct Transfer Authorization form along with other documentation we require.

Declaration Of Tax
You must fill out and return the included Declaration of Tax Residence for Individuals form accurately and correctly. We cannot open an account for you unless this information is provided. If we do not receive the completed form, your application will be cancelled.

Other Important Information
Once we receive your Direct Transfer Authorization form and all other documents noted in the instruction letter, we will mail you a welcome package that outlines how your account works and will ask you to call Customer Support to set up your password for online and telephone access to your account.

Instruction Package
We’ll mail you an instruction package - you should receive it within the next 10 business days. The instruction package will outline the next steps and request that you complete the Direct Transfer Authorization form along with other documentation we require.

Declaration Of Tax
You must fill out and return the included Declaration of Tax Residence for Individuals form accurately and correctly. We cannot open an account for you unless this information is provided. If we do not receive the completed form, your application will be cancelled.

Other Important Information
Once we receive your Direct Transfer Authorization form and all other documents noted in the instruction letter, we will mail you a welcome package that outlines how your account works and will ask you to call Customer Support to set up your password for online and telephone access to your account.

Instruction Package
We’ll mail you an instruction package - you should receive it within the next 10 business days. The instruction package will outline the next steps and request that you complete the Direct Transfer Authorization form along with other documentation we require.

Declaration Of Tax
You must fill out and return the included Declaration of Tax Residence for Individuals form accurately and correctly. We cannot open an account for you unless this information is provided. If we do not receive the completed form, your application will be cancelled.

Other Important Information
Once we receive your Direct Transfer Authorization form and all other documents noted in the instruction letter, we will mail you a welcome package that outlines how your account works and will ask you to call Customer Support to set up your password for online and telephone access to your account.