Optional Products

OPTIONAL PRODUCTS

Help protect the life you've worked so hard to build

Identity Watch Classic^® and Identity Watch Elite^®

Discover how you can help protect your and your family's private information

Featured Program benefits:	Identity Watch Classic	Identity Watch Elite
Lost/Stolen Card Assistance One-stop access to help with cancelling and replacing most of your lost or stolen cards.
$75 Computer Maintenance Reimbursement Receive up to $75 (inclusive of taxes) every subscription year towards the cost of hiring a technician to maintain your computer or towards the purchase of an anti-virus/anti-malware/firewall software purchase.
Online Data Monitoring Service Receive helpful email alerts if a match is made online to your registered personal information with the power of Internet Personal Information Patrol^® (iPiP^®)
Lost Item Return Service Help get your or your family members' valuable items returned if they are lost with our Rebound^® stickers.
Credit Monitoring Service (if your cards are lost/stolen) If your cards are lost/stolen, you have the option to accept 6 months of credit monitoring service and receive a full credit bureau report and score.
Emergency Cash Transfer, Emergency Airline Tickets and Emergency Message Relay Service
Mobile Phone Registration, Important Document Registry, Sale Price Guarantee, and more
Add this protection to your account today! Call 1-800-263-1020 ?????? CALL TO APPLY	$4.99/ month^*2	$9.99/ month^*

*Plus applicable taxes.
² Billing only will occur after you have made your first transaction on your Canadian Tire Bank issued credit card.
Thereafter subscription fees will be charged in advance monthly to your Canadian Tire Bank issued credit card. See the Legal Information handout for all terms, conditions, limitations and exclusions.

Terms and Conditions for Identity Watch Classic

Terms and Conditions for Identity Watch Elite

Credit Protector^®

Provided by American Bankers Life Assurance Company of Florida
and American Bankers Insurance Company of Florida.

Helps pay down the outstanding balance or make the monthly payments on your
Canadian Tire Bank issued credit card** when your family may need it most.

Total
Disability

COVERAGE DETAILS

• Coverage applies if you become totally disabled and are unable to work for at least 30 days, and are treated by a qualified physician

• May provide you with a monthly benefit payment of up to $1,000 on the outstanding balance of your credit card**, up to a maximum benefit of $20,000.

COVERAGE DETAILS

Involuntary Unemployment

COVERAGE DETAILS

• Coverage applies if you lose your job for at least 30 days through no fault of your own or, if you are self-employed, bankruptcy started by your creditors.

• May provide you with a monthly benefit payment of up to $1,000 on the outstanding balance of your credit card** up to a maximum benefit of $20,000

COVERAGE DETAILS

Life & Dismemberment

COVERAGE DETAILS

• Coverage applies in the case of death, loss of sight in one eye, or the loss of a hand or foot

• This coverage changes to Accidental Death & Dismemberment at age 80

• May cover you with a one-time payment of your outstanding credit card** balance, up to $20,000
This coverage also provides benefits for your spouse, except in the province of Quebec

COVERAGE DETAILS

Terminal
Illness

COVERAGE DETAILS

• Coverage applies if you are diagnosed with a terminal illness and given a life expectancy of less than 12 months

• May cover you with a one-time payment of your outstanding credit card** balance, up to $20,000
This coverage also provides benefits for your spouse, except in the province of Quebec

COVERAGE DETAILS

45-Day Right to Review

If you choose to cancel your coverage within the first 45 days of issuance of your Certificate of Insurance, any premiums you have paid will be credited to your Canadian Tire Bank issued credit card account.

Tools & Resources

Summary of Coverage
Summary of Coverage - as of January 2020
Certificate of Insurance
Certificate of Insurance - as of January 2020
Distribution Guide (Quebec Only)
Distribution Guide (Quebec Only) - as of January 2020

Pricing

The monthly premium is $1.10/$100*, of your average daily balance (less the outstanding amount of any Special Payment Plan), plus applicable taxes, in any month with an average daily balance of $10 or more. For example if your average daily balance is $350 you would pay just $3.85. The monthly premium reduces to $0.59/$100* of your average daily balance (less the outstanding amount of any Special Payment Plan), plus applicable taxes, at the age of 80.

Legal

* Plus applicable taxes, payable monthly. See the Certificate of Insurance for all exclusions, restrictions, limitations, terms and conditions.

Enrolment in Credit Protector is voluntary and can be cancelled at any time. If you enrol in Credit Protector, your coverage is effective upon enrolment. You will receive a welcome package to confirm your enrolment. It contains a Certificate of Insurance (Quebec residents will also receive a copy of the Distribution Guide) and the complete details of the coverage such as benefits, limitations, exclusions and information on how to cancel or make a claim.

There exists on the market other insurance products that may include coverage similar to those offered by Credit Protector. You may want to verify whether or not you already have insurance that provides similar coverage.

Canadian Tire Bank has a financial interest in the sale of this insurance.

Tools & Resources

Pricing

Legal

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These optional products are available with every Canadian Tire^® Mastercard^®

For your concerns visit our Security Centre.

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Earn Canadian Tire Money^® crazy fast

The fastest way to earn Canadian Tire Money - and more!

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Savings for drivers

Save up to 10¢/litre on gas at Canadian Tire gas bars, instantly¹

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Rewards for your everyday purchases

Get cash back everywhere you shop²

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