^* This offer is available on all Collabria consumer rewards credit card accounts and expires October 31, 2020. Classic, Student and Low Rate Business credit cards are excluded from this offer.
^** QUALIFYING ADDITIONAL BONUS POINT MERCHANT CATEGORIES:
In order to receive additional (50% more) reward points for every dollar spent, cardholder must spend their dollars in eligible merchant category codes (MCCs) classified as Discount Stores, Stationery / Office Supplies and Stationery Stores:
a. Code 5310: Discount Stores
b. Code 5111: Stationery / Office Supplies
c. Code 5943: Stationery Stores
Bonus reward points will be awarded only in those eligible merchant categories. Eligible categories are subject to change without notice. Collabria Financial has no control over how a merchant is classified. Collabria Financial will not issue additional bonus rewards should the merchant from whom cardholder made their Net Purchase not be classified in the category they expected. ¹REWARDS
Eligibility for rewards and/or account credit is subject to the terms and conditions of the Collabria MySelect Rewards and Cash Rewards programs. For full terms and conditions, visit collabriacreditcards.ca/abccu.

²ZERO LIABILITY

Zero Liability applies to your purchases made with your credit card in the store, over the telephone, online or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if:

1. you have used reasonable care in protecting your card from loss or theft; and

2. you have reported to Cardholder Service at 1.855.341.4643 (Canada and U.S.) or

1.515.343.8995 (International Collect) when you knew that your credit card was lost or stolen. If you believe there has been unauthorized use on your account and you meet the conditions above, you are protected by Zero Liability. If you do not meet the conditions above, please reference your Cardholder Agreement for additional information regarding liability.

³INSURANCE

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®. ®Assurant Solutions is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online at collabriacreditcards. ca/abcu. Insurance coverage is subject to change.

⁴INSURANCE

Insurance coverage is underwritten by Desjardins Financial Security Life Assurance Company. This document is provided for information purposes only. For details of the coverage, refer to the insurance contract or insurance certificate available online at collabriacreditcards.ca/abcu. Some conditions and restrictions apply. Insurance coverage is subject to change.

⁵24/7 TRAVEL ASSISTANCE

24/7 Travel Assistance is provided by Desjardins Financial Security Life Assurance Company. This document is provided for information purposes only. For details of the coverage, refer to the insurance contract available online at collabriacreditcards.ca/abcu. Eligibility is conditional on the card account being active and in good standing.Coverage is subject to change. The products, features, benefits and rewards are valid as of July 1, 2017 unless otherwise noted and are subject to change. The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.