credit cards - desjardins.com credit limit on your sunova visa desjardins credit card. 9 you can use...

CREDITCARDS

1502206_brochUnique_Sunova_AN.indd 1 15-08-25 14:47

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A CARD FOR EVERY NEEDWhen used wisely, a credit card is a useful and even essential 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 Sunova Visa Desjardins 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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TABLE OF CONTENTS

n CLASSIC 4n GOLD 6n BONUSDOLLARS®

REWARDS PROGRAM 8n ACCORD DTM FINANCING 9n PRIVILEGES AND SERVICES OFFERED WITH

SUNOVA VISA DESJARDINS CARDS 10

LEGAL NOTES 12


FEATURES AND BENEFITS OF SUNOVA VISA DESJARDINS PERSONAL CARDS †

BASIC FEATURES

Annual fee

Annual fee for additional card

Interest rate (purchases and cash advances)

BONUSDOLLARS ® Rewards Program (also applicable to additional cards)

Travel (without restriction)

Select Sunova financial products and services, gift rewards, show tickets

Administrative charges (overlimit fee, copy of statement charge, etc.)

INSURANCE

Trip Interruption and Cancellation Insurance

Baggage Coverage

Emergency Health Care Coverage

Intergenerational Coverage UNIQUE IN CANADA

Common Carrier Accident Coverage

Auto Rental Collision/Loss Damage Insurance

Extended Warranty and Purchase Protection

OTHER BENEFITS AND OPTIONS

Accord DTM financing

Hertz discount

Low interest rate

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


No fee

No fee

19.9%

Optional: 1% of purchases credited as BONUSDOLLARS, $30/year

None

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

3 days no chargeUp to $500/pers.

3 days no chargeUp to $5,000,000/pers.

Included

Up to 10%

Upon request $30/year – 12.9%

$65

$30/year

19.9%

1% of purchases credited as BONUSDOLLARS

None

Max. $2,000/pers. before departureUnlimited after departure

Up to 23 daysUp to $1,000/pers.

Up to 23 daysUp 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

Up to 20%

Upon request $30/year – 12.9%

CLASSICIndispensable

GOLDComplete travel insurance


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VISA CLASSIC

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.

• Emergency Health Care Coverage Up to $5,000,000 per person.

• Trip Interruption and Cancellation Insurance 4 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.

Indispensable


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OPTIONAL BONUSDOLLARS

REWARDS PROGRAM1% of purchases awarded as BONUSDOLLARS, for just $303 a year.

Groceries, clothes, gas and more! BONUSDOLLARS add up fast!

See page 8 to learn about the ways you can take advantage of this program.

No annual fee3 – No transaction fees – 19.9% interest rate

Low 12.9% interest rate for $303/year

DID YOU KNOW?FOR DAY-TO-DAY PURCHASES MADE WITH YOUR CREDIT CARD, YOU HAVE A 21-DAY GRACE PERIOD FROM THE DATE YOUR ACCOUNT STATEMENT IS ISSUED TO PAY OFF YOUR TOTAL ACCOUNT BALANCE WITHOUT INCURRING INTEREST CHARGES.


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VISA GOLD

BONUSDOLLARS ® REWARDS PROGRAM• 1% of purchases awarded as BONUSDOLLARS.

See page 8 to learn about the ways you can take advantage of this program.

COMPLETE TRAVEL INSURANCE5 No matter how many trips you take during the year, up to 23 consecutive days, for you and your family.

• Emergency Health Care Coverage Up to $5,000,000 per person.

• Intergenerational Coverage 6 For dependent grandchildren .

• Trip Interruption and Cancellation Insurance 4 Up to $2,000 per person in the event of cancellation before departure and unlimited after departure.

• Baggage Coverage Up to $1,000 per person against theft or damage and up to $500 per person for baggage delays.

• Common Carrier Accident Coverage 4 Up to $1,000,000 per person in the event of accidental death or dismemberment.

• Travel assistance service

Available at no charge 24/7 from anywhere in the world.

Unique in Canada

Complete travel insurance


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OTHER COVERAGE• Purchase Protection1 provides coverage in the event

of loss or damage for 90 days from the purchase date when you use your card to purchase eligible items, up to a maximum of $50,000 per account per year.

• Extended Warranty1 coverage automatically doubles the original manufacturer’s warranty for up to one additional year when you use your card to purchase most items.

• Auto Rental Collision/Loss Damage Insurance1. When you rent a car for up to 48 consecutive days, and charge the full cost of the rental to your card, you may be covered if the rental car is damaged or stolen.

$653 annual fee – $30 additional card 19.9% interest rate

Low 12.9% interest rate for $303/year

DID YOU KNOW?TO KEEP A BALANCED BUDGET, YOUR DEBTS SHOULD NOT EXCEED 10% TO 15% OF YOUR NET INCOME, NOT INCLUDING MORTGAGE PAYMENTS.


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BONUSDOLLARS ® REWARDS PROGRAM

Forget if, except and but: with BONUSDOLLARS, the decision is yours.

The BONUSDOLLARS Rewards Program offers 1% of purchases awarded as BONUSDOLLARS. The value of your BONUSDOLLARS is easy to calculate 1 BONUSDOLLAR IS EQUIVALENT TO $1.

WAYS TO BENEFIT

TRAVEL 7

Whether you prefer to sleep under the stars or in a five-star hotel, BONUSDOLLARS let you have it your way.

Your BONUSDOLLARS never expire and you can use them any way you wish, to pay for all or part of your trip. Plus, with your BONUSDOLLARS, you get to decide where and when you want to go.

There are no restrictions on:• destination;• timeframe;• accommodations (tourist lodges, inns, hotels, etc.);• mode of transportation (plane, train, bus, etc.).

SUNOVA FINANCIAL PRODUCTS AND SERVICES8

Redeem your BONUSDOLLARS for select financial products or services with Sunova Credit Union. Use them as you would cash to make them work for you.

GIFT REWARDSBONUSDOLLARS can be redeemed for a variety of quality rewards and gift cards. The BONUSDOLLARS Rewards Catalogue is available at mycard.desjardins.com/sunova/rewardscatalogue.

For more information: mycard.desjardins.com/sunova/bonusdollars


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ACCORD DTM

FINANCINGSimple, quick and flexible

A simple in-store financing solution available as a second credit limit on your Sunova Visa Desjardins credit card. 9 You can use it without reducing your available Visa credit.

Simple

• Purchase financing on goods and services in-store: furniture, pools, renovations, health care, etc.

• Financing plans at 0% from some participating retailers!

Quick

• Financing available within minutes. 10

• Funds are made available on your Sunova Visa Desjardins card, without any other formalities.

Flexible

Flexible payment terms, depending on the retailer:

• Buy now and pay later; no payments or interest due during the grace period.

• Pay in equal monthly instalments, with or without interest.

• Buy now and, following a grace period, pay for your purchase in equal instalments.

For more information:mycard.desjardins.com/sunova/accordd


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DISCOVER THE AVAILABLE SERVICES AND OPTIONS – SOME AT NO CHARGE – THAT WILL MAKE MANAGING YOUR FINANCES EASIER.

REMOTE ACCOUNT MANAGEMENT: FREE, PRACTICAL AND FASTManage your account online.

By managing your Sunova Visa Desjardins account through AccèsD Internet, you can:

• request a credit limit increase;

• add options (BONUSDOLLARS ® Rewards Program, low interest rate,10 etc.);

• sign up for email alerts (approaching credit limit, minimum payment not received, etc.);

• and much more!

CREDIT BALANCE INSURANCE – INDIVIDUALS11 (OPTIONAL)In the event of death, disability, critical illness or job loss, this insurance can help you repay all or part of your account balance, including Accord D Desjardins financing plans.

• All Sunova Visa Desjardins cardholders aged 18 to 64 inclusive are eligible.

• The premium is $0.75 plus tax for every $100 of monthly balance.

• No premium is payable when the account balance is zero.

PRIVILEGES AND SERVICES OFFERED WITH SUNOVA VISA DESJARDINS CARDS


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VISA PAYWAVE* CONTACTLESS TECHNOLOGY Sunova Visa Desjardins cards now feature Visa payWave contactless technology, enabling cardholders to pay for purchases of $10012 or less at a wide variety of retailers.

Look for this symbol:

For more information: mycard.desjardins.com/sunova/payWave

ZERO LIABILITY IN THE EVENT OF FRAUDThanks to this protection, consumers are not liable for fraudulent transactions. You are not required to pay for any fraudulent transactions made to your account as Desjardins will assume liability.


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* Trademark of Visa International Service Association and used under license.

® BONUSDOLLARS is a registered trademarks of Desjardins Financial Group.

®* Assurant Solutions is a registered trademark of Assurant Inc.TM Accord D is a trademark of Desjardins Financial Group.

1. Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®*. Details of your coverage, including terms, conditions, limitations and exclusions, are in the certificate of insurance provided with your card. The certificate of insurance is also available at www.mycard.desjardins.com/sunova.

2. Insurance coverage applies to you, your spouse and dependent children. If you will be taking a longer trip, you must obtain extended coverage from the insurer in order to benefit from the days of coverage offered by the policy (except Common Carrier Accident Insurance). Insurance coverage underwritten by Desjardins Financial Security Life Assurance Company. This document is provided for information purposes only. For more details, refer to the insurance policies. Some conditions and restrictions apply.

3. Subject to Desjardins Financial Group approval. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying credit charges, except on cash advances and cheques. Otherwise, any and all unpaid amounts shall be subject to credit charges calculated at the rate of 19,9% until such payment is made in full. Minimum payment due is 2% (for cards with the Low Interest Rate option) or 5% (for the Classic and Gold cards) of the total of: the balance shown on the account statement for the previous period; credit charges on purchases and monthly instalments that have not been paid on the due date for the current period (see table below); regular purchases, cash advances and cheques during the statement period and credit charges on cash advances

EXAMPLES OF CREDIT CHARGES FOR A 30-DAY BILLING CYCLE

$100 $500 $1,000

Regular interest rate 19.90% $1.64 $8.18 $16.36

Low interest rate 12.90% $1.06 $5.30 $10.60

Equal instalments financing 19.90% $1.64 $8.18 $16.36

ANNUAL INTEREST RATE AVERAGE DAILY BALANCE

LEGAL NOTES


and cheques. To which are added: monthly instalment(s) for the statement period, deferred payment purchases due on the statement date, past due amounts, and any other amount set out in the card contract. Enrolment or renewal fees may apply depending on the card requested.

4. The ticket purchase or transaction must have been paid in full with the Sunova Visa Desjardins card.

5. Insurance coverage applies to you, your spouse and your dependent children. Some age-related restrictions apply. For Emergency Health Care Coverage and Baggage Coverage, you are only covered for trips of up to the following duration: 59 years old or younger: 23 days, 60 to 64 years old: 15 days, 65 and older: 8 days for Baggage Coverage and no Emergency Health Care Coverage. No age or duration limit applies to the other coverages. Insurance coverage underwritten by Desjardins Financial Security Life Assurance Company. This document is provided for information purposes only. For more details, refer to the insurance policies. Some conditions and restrictions apply.

6. Your or your spouse's dependent grandchildren are covered if they are under your direct responsibility and are not accompanied by their parents during the trip. Your grandchildren must be aged between 15 days and 18 years and have no spouse. However, if they are enrolled full time at an educational institution recognized by the competent authorities, they must be aged 24 years or under.

7. Minimum redemption on 20 BONUSDOLLARS is required for all exchanges. Travel exchanges are available exclusively for Gold cardholders.

8. Selected products and services provided by participating Sunova branches. Some conditions apply.

9. Subject to credit approval by Desjardins Financial Group.10. During business hours of Desjardins Card Services, a

business unit of Desjardins Financial Group.11. Insurance underwritten by Desjardins Financial Security Life

Assurance Company. Loss of employment protection is underwritten by The Personal General Insurance Inc. Eligibility: you must be between 18 and 64 years of age.

12. Registered trademark of Visa International Service Association, used under licence.

The description of basic services, features and optional programs is the most accurate possible at the time of publication. You will be advised of any changes as soon as possible. However, Desjardins Financial Group may not be held liable for changes to, cancellation of, or replacement of the discounts or advantages described herein. All amounts are in Canadian dollars.

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


Online

mycard.desjardins.com/sunova

By phone

1-866-668-8472

At your Sunova branch

Ask an advisor to fill out an application with you.

For information about our cards for businesses, visit mycard.desjardins.com/sunova or speak to your advisor.

67 2

0741

0 A

(08/

2015

)

APPLY FOR YOUR CARD TODAY!Please contact your advisor for help choosing the card that’s right for you.

This document is printed on Rolland Enviro paper.


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