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We're Making Some Changes to Your Rogers Bank Mastercard Account To ® WE’RE MAKING SOME CHANGES TO YOUR ROGERS BANKTM MASTERCARD ACCOUNT TO SERVE YOU BETTER When times are uncertain, the day-to-day pressures of managing personal finances can be very stressful. To provide you with more financial options, we’re introducing Rogers Bank Equal Payment Plans on a promotional basis. Whether it’s a planned purchase, or an unexpected expense, Equal Payment Plans will make it easy for you to turn larger purchases into monthly payments that fit within your budget. Attached is a summary about how Equal Payment Plans work, along with the detailed side-by-side changes to the following documents: (1) Disclosure Summary For any Rogers Bank Mastercard and (2) Rogers Bank Cardholder Agreement. These changes will take eFFect on January 12, 2021. Your use of the Account or your Card after January 12, 2021 will mean that you have accepted these changes. For residents of Quebec, if you do not agree with this change, you may terminate your Account with us by February 12, 2021 without cost or penalty after any remaining balance is paid off. All Equal Payment Plan offer details - including eligibility, term length and interest rates - will be provided to you, and your express consent will be required, at the time the Equal Payment Plan offer is made to you. What is an EQual Payment Plan? Typically, when you make a large purchase on your credit card, you pay the regular annual interest rate for Purchases on any amount of the purchase that you don’t pay off right away. With an Equal Payment Plan, you can divide the purchase into small equal payments over a fixed period of time, and at a lower (promotional) interest rate. BeneFits oF an Equal Payment Plan: • Simple: It’s easy to convert an eligible purchase into an Equal Payment Plan using your Rogers Bank Online Account. No additional credit check is required. • Flexible: Select a term that works best for you and your budget – terms between 6 months and 48 months to choose from • Easy to manage: Your Equal Payment Plan details are available on your statement and in your Rogers Bank Online Account, to help you manage your payments • Earn Rewards: Continue to earn cash back rewards on every purchase including those you convert into an Equal Payment Plan Watch out for more details coming soon! 1. Changes to the Disclosure Summary: The following lines of your Disclosure Summary will be changed: Current Terms Revised Terms (these changes are effective January 12, 2021) Annual Interest These interest rates are in effect when your Credit Card Account is These interest rates are in effect when the Account is activated. Rate activated. Standard rate on Purchases and Fees: 19.99% Standard Rate on Purchases and Fees: 19.99% Standard rate on Cash Advances, Cash-Like Transactions and Balance Standard Rate on Cash Advances, Cash-Like Transactions and Balance Transfers: 22.99% Transfers: 22.99% Your interest rates may, at our sole discretion, increase to the Rate of Your interest rates will increase to the Rate of 25.99% for Purchases 25.99% for Purchases and Fees and 27.99% for Cash Advances, and Fees and 27.99% for Cash Advances, Cash-Like Transactions and Cash-Like Transactions and Balance Transfers on the next Statement if Balance Transfers on your next statement if you do not make the minimum you do not make the Required Payment by the due date any 2 times in a payment by the due date 2 times in any 12-month period. 12-month period. Required Payment means any past due amounts plus the Greater of: (a) $10.00 PLUS current interest (excludinG interest on Equal Payment Plans) and any other Fees; OR (b) 2% of your Statement Balance, excludinG any Equal Payment Plan balance (or 5% of your Statement Balance, excludinG any Equal Payment Plan balance, if you are resident in Quebec). Interest-Free The payment due date shown on your monthly statement will be at least The payment due date shown on your Statement will be at least 21 days Grace Period 21 days after the last day of the statement period shown on your monthly after the last day of the Statement period shown on your Statement. This statement. This period of time is referred to as an interest-free Grace period of time is referred to as an interest-free Grace period. This means period. This means that interest will not be charged on your Purchases that interest will not be charGed on Purchases (other than Purchases on an and Fees if you pay the full outstandinG balance by the payment due date Equal Payment Plan) and Fees if you pay the full Amount Due (or for shown on your statement. Purchases that have been converted to an Equal Payment Plan durinG that There is no interest-free Grace period for Cash Advances, Cash-Like Statement period, if you pay the full outstandinG Balance) by the payment Transactions or Balance Transfers, and interest is charGed from the date due date shown on your Statement. such transactions occur. There is no interest-free Grace period for Cash Advances, Cash-Like Transactions or Balance Transfers, and interest is charGed from the date such Transactions occur. Determination N/A If interest is charged, it is calculated on your daily averaGe balance and of Interest charGed monthly to the Account on the last day of your billinG cycle. Minimum The minimum payment shown on each monthly statement will be the sum The minimum payment shown on each Statement will be the sum of (i) Payment of (i) any past due amounts and (ii) any balance over your credit limit any past due amounts, (ii) any balance over your credit limit, and (iii) PLUS the Greater of: any Equal Payment Plan payments (includinG interest) due on that (a) $10.00 PLUS current interest and any other Fees (detailed in Statement PLUS the Greater of: “OTHER FEES” section); OR (a) $10.00 PLUS current interest (excludinG interest on Equal (b) 2% of your statement balance (or 5% of your statement balance Payment Plans) and any other Fees (detailed in “OTHER FEES” if you are resident in Quebec). section); OR For all cardholders, statement balances under $10 are due in full. (b) 2% of your Statement Balance, excludinG any Equal Payment Plan balance (or 5% of your Statement Balance, excluding any Equal Payment Plan balance, if you are resident in Quebec). For all Cardholders, Statement Balances under $10.00 are due in full. Foreign All transactions made in a foreiGn currency are converted to Canadian All Transactions made in a foreiGn currency are converted to Canadian Currency dollars at the rate established by Mastercard International in effect on or dollars at the rate established by Mastercard International in effect on or Conversion after the date of the Transaction and no later than the date the Transaction after the date of the Transaction and no later than the date the Transaction is posted to your Account (which may not be the same date as the date of is posted to the Account (which may not be the same date as the date of the Transaction) plus an amount equal to 2.5% of the transaction the Transaction) plus an amount equal to 2.5% of the Transaction amount after it has been converted to Canadian dollars. amount after it has been converted to Canadian dollars Annual Fees None Any RoGers Bank Mastercard (except the Chatr Secured Mastercard): $0.00 Chatr Secured Mastercard: Primary Cardholder: $60.00 (payable in twelve equal monthly installments of $5.00 each and charGed on the last day of the Statement period after your first Transaction is made and posted to the Account and charged monthly thereafter on the last day of each Statement period); Authorized User(s): $0.00 Other Fees To be charged on the day the transaction or event occurs, unless To be charged on the day the Transaction or event occurs, unless otherwise specified. otherwise specified. Over Limit Fee: $29.00 when your outstandinG balance exceeds your Over Limit Fee: $29.00 when the outstandinG Balance exceeds your credit limit; fee is charGed only 1 time per statement period. This fee is credit limit; fee is charGed only 1 time per Statement period. This fee is not applicable to residents of Quebec. not applicable to residents of Quebec. Cash Advance Fee: $5.00 each time you obtain a cash advance at a Cash Advance Fee: $5.00 each time you obtain a Cash Advance at a financial institution or automated bankinG machine located inside or financial institution or automated banking machine located inside or outside Canada, and each time you conduct a Cash-Like Transaction. outside Canada, and each time you conduct a Cash-Like Transaction. Dishonoured Payment Fee: $42.00 each time a payment you make Dishonoured Payment Fee: $42.00 each time a payment you make from or to your credit card account is dishonoured. from or to the Account is dishonoured. Statement and Transaction Reprint Fee: $5.00 for an additional copy Statement and Transaction Reprint Fee: $5.00 for an additional copy of your monthly statement or to reprint a transaction record. There is no of a Statement or to reprint a Transaction record. There is no fee for a fee for a transaction reprint for residents of Quebec. Transaction reprint for residents of Quebec. Credit Balance Refund Fee: $20.00 for manual cheque requests only. Credit Balance Refund Fee: $20.00 for manual cheque requests only. Fee for Balance Transfers: 3% of the amount of each Balance Transfer Fee for Balance Transfers: 3% of the amount of each Balance Transfer that we may offer to you at a promotional interest rate which is an interest that we may offer to you at a promotional interest rate which is an interest rate that is lower than the standard interest rate that applies to Balance rate that is lower than the reGular annual interest rate for Balance Transfers Transfers on your Account.
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