Annual Fee: $120 Additional Card: No Fee Grace Period: 21 days Interest Rate: 19.49% Interest Rate for Accounts in Default: 21.49% Credit Limit: $5,000 - $50,000 Gold CHOICE REWARDS® MasterCard® Discover Global Gold The card includes all the features of the Gold MasterCard Credit Card, as well as the CHOICE REWARDS Program. CHOICE REWARDS lets you collect points whenever you use your MasterCard Credit Card, and redeem them for free merchandise and any kind of travel - not just air travel! Features CHOICE REWARDS Program Out-of-Province/Country Travel Health Plan (69 years of age and under) MasterPurchase® MasterRental® MasterLegal® Optional Balance Protection Insurance Core features: World-wide global acceptance serving consumers in 210 countries and territories World's largest ATM network 24-hour lost/stolen card assistance Emergency cards and emergency cash Master RoadAssist® 24-hour roadside assistance at pre-set rates Apply now for a Gold CHOICE REWARDS MasterCard and receive 1,000 CHOICE REWARDS points! CHOICE REWARDS Program Earn 1 point for every $1 charged for retail purchases and initial balance transfer Redeem points for brand-name merchandise from the CHOICE REWARDS catalogue Redeem points for free travel from the CHOICE REWARDS travel agency No restrictions on travel: Any seat Any carrier (airline, cruise, ski package, etc.) Any travel time (even during seat sales and blackout periods) Any destination Out-of-Province/Country Travel Health Plan Out-of-Province/Country Medical Insurance covers the first 31 days of each trip outside your home province or country coverage is up to $1,000,000, and includes: hospital and health care professional services prescriptions and treatments emergency dental care transportation and ambulance services return home, if required for further medical attention friend and family hospital visits return of deceased Coverage applies to cardholders and your spouse 69 years of age and under, and dependent children travelling with you top-up insurance is available for up to 180 days Travel Assistance 24-hour assistance to: confirm coverage and payment arrange for medical evaluation transfer to another medical facility, if required assist in contacting your family or business partner Review the certificate of insurance when you receive your card MasterTrip® Trip Cancellation Insurance Applies if you, a family member, or a travelling companion falls ill, experiences serious injuries or passes on unexpectedly, requiring you to cancel your tickets at the last minute Coverage applies to cardholders and your spouse 69 years of age and under, and dependent children travelling with you Tickets will be refunded up to $3,000 per account per trip Accidental Death Insurance $1,000 will be paid to your beneficiary if you sustain accidental bodily injury causing death Common Carrier Travel Accident Insurance Up to $500,000 coverage when you purchase your ticket with your MasterCard Card Unexpected Return Home Benefits In the event of a death in your immediate family, you are covered for up to $2,000 for return travel Emergency Assistance Services Emergency Cash Transfer Lost Document and Ticket Replacement Lost Luggage Assistance Pre-Trip Information MasterPurchase® 90-day Purchase Protection Protection against loss, theft and damage for items purchased with your MasterCard card Items will be replaced or repaired, or you will be reimbursed the purchase price Items given as gifts are also covered Some limitations apply - see the certificate of insurance when you receive your card Extended Warranty The manufacturer's warranty is automatically extended for up to two additional years for items purchased with your MasterCard Card Items must have a valid warranty in Canada Some limitations apply - see the certificate of insurance when you receive your card MasterRental® When you rent a car with your MasterCard card, you're protected with: Collision Damage Waiver Benefit - equivalent to that offered by the car rental company, provided you decline the car rental company's optional Collision Damage Waiver Car Rental Accidental Death and Dismemberment Benefits - up to $300,000 per accident Personal Effects Benefits - if your rental car is damaged or stolen, any personal effects in the car are covered up to $1,000 per insured person, up to $2,000 per rental period Some limitations apply - see the certificate of insurance when you recieve your card MasterLegal® Legal Referrals and Payment Assistance - in those countries that the MasterAssist Operations Centre deems safe for travel, you will be assisted in locating a legal advisor, and in paying legal fees up to $5,000 (billable to your MasterCard account, and subject to credit availability) Optional Balance Protection Insurance Protection if your earnings are affected by job loss, disability, accident, illness or loss of life Payment is made on your MasterCard account until you return to work, up to $10,000 In the event of loss of life, your entire account will be paid off, up to $10,000 Premium is 90 cents for every $100 of account balance on each billing date. Taxes may apply in certain provinces Master RoadAssist® 24-hour roadside assistance at pre-set rates Access the service via a toll-free number Service is charged to your MasterCard account No membership fee