Coverage, More…

Direct Deposit to Your Card

Government Benefits:You may arrange to have funds loaded directly to your Card by a Governmental Authority. To enroll, you will need to provide the Governmental Authority with your Direct Deposit Account Number clearly indicated on their direct deposit enrollment form. The Direct Deposit Account Number can be obtained at any We Financial Location or at www.wefinancial.ca. The enrollment form can be obtained at any We Financial Location. The store clerk can assist you by providing your Direct Deposit Account Number, assist you in calling Service Canada or help you complete the form that we will then forward to the Governmental Authority on your behalf. However, please note that We Financial is unable to track your enrollment if you use any other registration methods. The first Direct Deposit load may take up to three months after the receipt of your completed enrollment form by the Governmental Authority.

Payroll: If your employer has a payroll program and you are interested in having your pay loaded directly to your Card and Card Account, you must provide your employer with their payroll enrollment form completed with your Direct Deposit Account Number. The Direct Deposit Account Number can be obtained at any We Financial Location or at www.wefinancial.ca.

Please note funds loaded electronically to your Card will generally be available within twenty-four (24) to forty-eight (48) hours of We Financial receiving the transfer from either the Government agencies or employer.

In case of transmission error, or transfer irregularity, your ability to withdraw funds may be delayed. If this occurs, then funds will generally be available within five (5) business days after the transfer. We reserve the right to reject or limit transfers via Direct Deposit in our sole discretion and may reject or suspend any Direct Deposit transaction that has identifying information that does not match the identifying information that we have on file for you.

You may cancel the Direct Deposit authorization at any time by notifying your employer or Government Authority and providing them sufficient time to act upon the notice. Your employer or Government Authority may terminate this method of payment, with or without cause, at any time.

You may cancel the Direct Deposit authorization at any time by notifying your employer or Government Authority and providing them sufficient time to act upon the notice. Your employer or Government Authority may terminate this method of payment, with or without cause, at any time.

You may not use your Card for any illegal purpose or transaction and any such transaction may be declined. Peoples Trust Company and We Financial are not liable to you for declining the authorization of any particular transaction, regardless of our reason.

Card to Card Transfer: You are responsible for ensuring that the recipient’s We Financial Prepaid Mastercard Client ID number (19 digits found on the back of the card) that you provide is correct. While we may, at our discretion, obtain certain other details of the Recipient from you like name, address or other information, we will not be responsible for verifying or authenticating the information obtained from you. We will process the transfer instructions based on the information provided by you. If the information you provide is incorrect, the funds could be transferred to an incorrect We Financial Prepaid Mastercard. In the event you provide erroneous information, we are not responsible for reversing the transaction or recovering the funds transferred as a result of that transaction.

Pre-authorized Payments: You are responsible for providing a merchant with whom you have set up a pre-authorized payment plan with correct and up-to-date information. This includes a change in Card number or expiry date on your Card. We will not be liable for any pre-authorized transactions that cannot be posted to your Card and you are still liable to the merchant for making payment. It is your responsibility to contact a merchant when you wish to cancel a pre-authorized transaction and to provide sufficient time in which to accomplish that cancellation. IMPORTANT: You should check your transaction history to ensure that cancelled transactions have been discontinued.

Pre-authorized Debits: A pre-authorized debit (PAD) is an agreement between you and the biller, in which you give the biller permission to automatically withdraw a set amount from your account on a pre-determined date. You must provide the biller with certain card account information, including your Direct Deposit Account Number (branch transit, institution, and account number). You are responsible for ensuring that there are sufficient funds on your Card and Card Account when the pre-authorized debit is scheduled to be processed. It is important to remember by cancelling your PAD agreement that you are simply indicating that you no longer wish to pay by pre-authorized debit. It does not cancel a contract for goods or services you may have with a biller, nor the amount you owe them. If you cancel a PAD agreement, you will need to make alternate arrangements with the biller to pay any amounts owing or to terminate your contract.

Information About Balance: It is your responsibility to ensure that there is a sufficient Balance on the Card and Card Account to cover transactions plus any pre-authorized amounts. To obtain the current Balance amount, or the transaction history, call customer service toll-free at 1-855-876-1976 or visit the Website. You may also sign up for email or web-based SMS text alerts. The Card Balance will reflect all transactions that have been posted to our system. You are not allowed to exceed the Balance available on the Card and Card Account for any transaction.

If you attempt to use the Card when there is an insufficient Balance available to cover the full Transaction Amount, the transaction in most instances will be declined. However, if due to a systems malfunction or for any reason whatsoever, a transaction occurs despite insufficient Balance on the Card and Card Account, creating a negative amount, you agree to reimburse us, upon request, for the negative amount.

If the Card or the Card Account has a negative Balance for five (5) consecutive months we will put the Card into an inactive state so that no other transaction can be processed.

Please call customer service if you wish to continue using the Card.

If the Card or Card Account has a negative balance for thirteen (13) months, we may close the Card Account.

Transactions Made in Foreign Currencies: We convert transactions made in a foreign currency to Canadian dollars using the Mastercard Conversion Rate in effect on the day the transaction is posted to the Card. The Mastercard Conversion Rate in effect on the posting date may differ from the rate in effect on the date of the transaction. You will also be charged the Foreign Exchange Charge on the converted Transaction Amount.

If a foreign currency transaction is refunded to your Card, the Mastercard Conversion Rate used to convert your refund to Canadian dollars for your Card may not be the same as the rate that existed on the date the transaction was originally posted to your Card. For these reasons, the amount that is credited to your Card for a refund of a foreign currency transaction may be different than the amount that was originally charged to your Card for that transaction and the amount of the refund you receive may be less than the amount that was originally charged to your Card for that transaction. You will also be charged the Foreign Exchange Charge on the converted refund amount.

Protection Against Loss, Theft, or Unauthorized Use: If the Card is lost or stolen, you will be asked to provide We Financial with your name and the Card number, and to answer an identifying question drawn from your personal information. If you lose the Card, someone might be able to use the Balance on the Card and Card Account.

The Card can be used without a PIN to make purchases online.

We will have a customer service representative or automated voice response service available seven (7) days a week, twenty-four (24) hours a day that will allow immediate block of the Card upon your request.

After we have processed all transactions completed before we had an opportunity to act on your information, we will cancel the lost or stolen Card. A replacement Card with any remaining Balance (less our fees as stated in the table marked ‘Fees’) will be issued to you immediately after you report the Card lost or stolen when you visit a We Financial Location or when you call Customer Service.

You agree, to the extent permitted by Applicable Law, to cooperate with us in our attempts to recover from unauthorized users and to assist in their prosecution. We reserve the right to investigate the validity of any claim, including asking for verification of your identity. We may also require you to provide a written claim signed under oath. You will be charged the Card Replacement fee described in the Fee Table. It may take up to 30 days to process your request. You should expect to receive the newly issued Card within four to six (4-6) weeks after the request is received by We Financial.

With the Mastercard Zero Liability Policy, you will not be liable for any unauthorized use of the Card or account information on any transactions processed by Mastercard. You must notify We Financial immediately of any unauthorized use. Verification of a Zero Liability claim can take up to one hundred and twenty (120) days after all the required forms and/or documents have been received and confirmed by We Financial and may require a police investigation.

Notification and Change of Terms: Subject to the limitations of Applicable Law, we may from time to time amend any term or condition of this Agreement or add new terms or conditions to this Agreement, including increasing or adding new fees.

Notification of any Amendment, including increasing or adding new fees, will also be posted on the Website at least sixty (60) days in advance of the effective date of the Amendment, unless otherwise required by Applicable Law. The change will take effect on the date indicated in the notice.

If an amendment relates to increasing or adding new fees, notice will also be sent to you at the most recent mailing or email address that we have on record for you, as required by Applicable Law. We must at least thirty (30) days before such an amendment comes into force, send you a written notice drawn up clearly and legibly, setting out the new clause(s) only, or the amended clause(s) and the clause(s) as it (they) read formerly, the date of the coming into force of the amendment and your rights set forth below.

Notice will be deemed to be received by you five (5) days after mailing, or the new business day after electronic mail. You may refuse the amendment relating to increasing or adding new fees and rescind this Agreement without cost, penalty or cancellation indemnity by sending We Financial a notice to that effect no later than thirty (30) days after the amendment comes into force, if the Amendment entails

an increase in your obligations or a reduction in our obligations. If you choose to rescind this Agreement, the Cancellation section of this Agreement will apply.

You are responsible for informing us of any change in your mailing or email address, by contacting customer service at 1-855-876-1976, and for checking the Website for such notifications.

You may notify us by delivering notice to We Financial or sending notice to us at the Website (other than notification of a lost or stolen Card, which may only be done by telephone as set out above). Notice will be deemed to be received on the date of delivery of notice to us, as applicable, and the next business day after electronic mail.

Cancellation: You may at any time terminate this Agreement by calling 1-855-876-1976. You may surrender the Card to any We Financial Location, and We Financial will mail you a cheque for any remaining Balance on your Card less any outstanding fees within thirty (30) days of termination notice.

We may terminate this Agreement at any time, at which time you will immediately return the Card to a We Financial Location, We Financial by mail or as we direct, provided that if you are not in default of your obligations under this Agreement, we will notify you in writing at least sixty (60) days before the date of termination. We or We Financial will reimburse you any remaining Balance on the Card and Card Account less outstanding fees.

Despite any termination of this Agreement, you must fulfil all of your obligations under this Agreement.

Purchase Disputes and Refunds: If you believe a transaction on your Card Account is incorrect, you must notify We Financial in writing of your dispute within thirty (30) days of the transaction date. Following your notification, a form will need to be completed and faxed to the customer service team within thirty (30) days of the transaction date. You can obtain a dispute form by calling 1-855-876-1976 and following the prompts for lost or stolen cards or go to www.wefinancial.ca. Please note that this form must be received within thirty (30) days of the date of the disputed transaction or you will have been deemed to have accepted such transaction.

If you identify an error in any transaction record, you must address such error with the applicable merchant or ATM operator.

If there is any dispute in regards to purchases you make using the Card, you agree to settle such disputes with the merchant from whom the purchase was made. Please ask the merchant for any return policy that may apply to purchases made with the Card. We are not responsible for any problems you may have with any goods or services that you purchase with your Card, whether with regard to quality, safety, legality, or any other aspect of your purchase. If you are entitled to a refund for any reason for goods or services obtained with the Card, you agree to accept credits to the Balance on your Card in place of cash.

Arbitration: Subject to all other terms of this Agreement, and to the extent not prohibited by Applicable Law, you agree that any claim of any kind against us, We Financial, or Mastercard arising from or related to this Agreement or the use of the Card

(i) shall be resolved by final and binding arbitration before a single arbitrator at Vancouver, British Columbia and (ii) shallnot be brought through class or individual litigation proceedings.

If such a claim is advanced by class proceeding by any other person on your behalf, you will opt out of, or not opt into, such proceedings as circumstances dictate.

Complaints: If you have a complaint or inquiry about any aspect of your Card, first attempt to resolve the complaint or inquiry by calling our toll-free customer service number at 1-855-876-1976, twenty-four (24) hours a day, seven (7) days a week;

You may contact We Financial by either:

• Telephone: toll free 1-855-876-1976 24 hours a day, 7 days a week;
• Email: wefinancial@northwest.ca; or
• Mail: We Financial, 77 Main Street, Winnipeg, MB, R3C 1A3

We Financial will try to resolve any problems as quickly as possible and in accordance with our established complaints policy.

If customer service is unable to resolve the complaint or inquiry to your satisfaction, please call us at 1-855-694-6214 or submit your complaint or inquiry through the form found on the Website (http://www.peoplestrust.com/en/about-us/contact/). We will do our best to resolve your complaint or inquiry.

If for some reason we are unable to resolve the issue to your satisfaction, you may refer your inquiry or complaint to the Ombudsman for Banking Services and Investments at 1-888-451-4519 for resolution.

Financial Consumer Agency of Canada (FCAC)

The Financial Consumer Agency of Canada supervises all federally regulated financial institutions, which includes trust and loan companies, for compliance with federal consumer protection laws.

Trust and loan companies are legally required to have a complaint-handling process in place.

If you have a problem with a financial product or service, you may file a complaint with the responsible trust and loan company directly.

If you are not satisfied with how your complaint has been handled or 90 days has passed since you made your complaint, you can escalate the complaint to the following External Complaints Body:

Ombudsman for Banking Services and Investments

20 Queen Street West, Suite 2400
P.O. Box 8
Toronto, ON M5H 3R3

Telephone: 1-888-451-4519 (toll-free)
Email: ombudsman@obsi.ca
Website: https://www.obsi.ca/

If you want to know your rights or need information about the complaint-handling process of a trust and loan company, you may contact FCAC by online form, mail, or telephone. FCAC uses information from consumer enquiries to support its mandate.

Website: www.canada.ca/fcac
Online form: https://www.canada.ca/en/financial-consumer-agency/corporate/contact-us.html

Phone:

For service in English: 1-866-461-FCAC (3222)
For service in French: 1-866-461-ACFC (2232)
For calls from outside Canada: 613-960-4666
Teletypewriter (TTY): 1-866-914-6097 / 613-947-7771

Video Relay Service: FCAC welcomes Video Relay Service (VRS) calls. You do not need to authorize the relay service operator to communicate with FCAC.

Visit https://srvcanadavrs.ca/en/ to learn more.

Mailing Address:
Financial Consumer Agency of Canada
427 Laurier Avenue West, 5th Floor
Ottawa ON
K1R 7Y2

Our complaints policy can be found online at: http://www.peoplestrust.com/en/about-us/resolving-your- concerns/.

Personal Information Consent: By applying for a Card, you consent to the collection, use, disclosure and retention of your personal information by us and our service providers for purposes relating to your application for a Card and your use of a Card (if issued to you) and as otherwise described below. The collection of that information is necessary for the entering into and performance of this Agreement. If you do not consent to the collection, use, disclosure and retention of your personal information, you may not apply for or use a Card. As explained below, you may withdraw your consent at any time by cancelling your Card and all related services from us. We and our service providers will collect information about you (e.g., your name, address, telephone number and date of birth) when you apply for a Card and, if a Card is issued to you, We and our service providers will collect information about you and your use of the Card and related services, including information about your Card transactions (e.g., the date, amount and place of each transaction) (all collectively “Cardholder Information”).

We and our service providers will collect your Cardholder Information directly from you and from other sources, including any third party providers of identity verification, demographic and fraud prevention services.

We will disclose your Cardholder Information to our service providers to assist us to provide services to you and to provide related services to us. We and our service providers will use, disclose and retain your Cardholder Information to process your application for a Card (including to verify your identity) and, if a Card is issued to you, to provide you with services relating to your Card (including to administer your Card and to process your Card transactions), to protect against fraud and for legal compliance purposes, to perform and enforce this Agreement, to protect and enforce our legal rights and for other purposes required or permitted by Applicable Law

We maintain physical, electronic, and procedural security measures that comply with Canadian regulations to safeguard Cardholder Information.

We and our service providers may use and store your Cardholder Information at facilities in various countries (including Canada and the United States of America). The personal information protection laws of those countries might be different from the laws of the jurisdiction in which you are located, and might permit courts, government, law enforcement and regulatory agencies and security authorities to access your Cardholder Information without notice. The laws on data protection in other jurisdictions, to which we may transfer your information, may differ from those in your jurisdiction and any personal information transferred to another jurisdiction will be subject to law enforcement and national security authorities in that jurisdiction. Subject to these laws, we will use reasonable measures to maintain protections of your personal information that are equivalent to those that apply in your jurisdiction. You hereby give your consent to such cross-border transfers (including the United States) of such personal information to third parties for the purpose set out above.

We and our service providers will use and rely on your Cardholder Information to issue and administer your Card and provide related services and any other services we think may be of interest to you. We and our service providers will rely on you to ensure that your Cardholder Information is accurate, complete and up to date. You will promptly inform We Financial (by contacting customer service at 1-855-876-1976) of any changes to your Cardholder Information or if you discover any errors in your Cardholder Information. You may communicate with We Financial through our customer service number (or the Website) with regards to requests to access information related to you that we have obtained. If such information is obtained from providers of identity verification data and demographic information, we will inform you of your right of access and correction in relation to the file held by the personal information agent and will indicate to you the manner in which and the place where you may have access to the reports or recommendations and cause them to be corrected, where necessary.

We and our service providers may use your Cardholder Information (including your telephone and mobile phone numbers and your email addresses) to contact you, including by regular and electronic mail, telephone call (including by pre-recorded or artificial voice messages and automatic telephone dialing systems) and instant messaging, regarding your Card and related matters, regardless of whether you incur any long distance or usage charges as a result.
We and our service providers may monitor and record their communications and correspondence with you (including emails, online chats and/or telephone calls) for quality assurance, staff training and legal compliance purposes. With your consent, Peoples Trust and its service providers may share this information for audit related purposes to ensure you are receiving the best possible customer service.

You may withdraw your consent to the collection, use and disclosure of your Cardholder Information at any time by contacting customer service (at 1-855-876-1976) and cancelling your Card and all related services from us. If you withdraw your consent, we will continue to collect, use, disclose and retain your Cardholder Information for as long as may be reasonably required to perform services relating to the cancellation of your Card, to protect against fraud and for legal compliance purposes, to perform and enforce this Agreement, to protect and enforce our legal rights and for other purposes required or permitted by Applicable Law.

In addition to the above, if you consent We Financial, North West, or other third party collecting and using your personal information (including Cardholder Information) for their own purposes (not as our service provider), including to send marketing and promotional messages to you, then we will not have any control over, and will not be responsible or liable for, the collection, use, disclosure and retention of your personal information by the third party, the marketing or promotional messages that they send to you, or any other wrongful act or omission by the third party.

The restrictions and requirements described above do not apply to Cardholder Information that is aggregated or otherwise de-personalized and does not identify you.

Our general personal information practices are described in our privacy policy, as amended from time to time, available online at: http://www.peoplestrust.com/en/legal/privacy-security/privacy/.

Safeguarding Your Personal Information: We protect personal information in our possession or control from loss, theft, alteration and misuse. The safeguards employed by us to protect your personal information depend on the sensitivity, amount, distribution, format and storage of the personal information. Although technologies can make it easier for fraud to occur, we employ around the clock monitoring systems and controls to detect and prevent fraudulent activity. We also build fraud prevention measures into our due diligence processes and regularly update our fraud detection/ prevention methods. While we take precautions to protect your personal information from loss, theft, alteration, or misuse, no system or security measure is completely secure. Any transmission of your personal data is

at your own risk and we expect that you will use appropriate measures to protect your personal information as well.

No Warranty of Availability or Uninterrupted Use: FROM TIME TO TIME CARD SERVICES MAY BE INOPERATIVE, AND WHEN THIS HAPPENS, YOU MAY BE UNABLE TO USE YOUR CARD OR OBTAIN INFORMATION ABOUT THE BALANCE ON YOUR CARD. PLEASE NOTIFY WE FINANCIAL IF YOU HAVE ANY PROBLEMS USING YOUR CARD. YOU AGREE THAT WE ARE NOT RESPONSIBLE FOR ANY INTERRUPTION OF SERVICE.

Assignment: At our sole discretion, we may assign our rights and responsibilities under this Agreement at any time and without notice to you. If we do make such an assignment, then this Agreement will remain binding on you and your respective executors, administrators, successors, representatives and permitted assigns.

Third Party Claims: In the event we reimburse you for a refund claim you have made, or if we otherwise provide you with a credit or payment with respect to any problem arising out of any transaction made with the Card, you are automatically deemed to assign and transfer to us any rights and claims (excluding tort claims) that you have, had or may have against any third party for an amount equal to the amount we have paid to you or credited to your Card. You agree that you will not pursue any claim against or reimbursement from such third party for the amount that we paid or credited to your Card, and that you will cooperate with us if we decide to pursue the third party for the amount paid or credited to you. If we do not exercise our rights under this section, we do not give up our rights to exercise them in the future.

Disclaimer of Warranties: EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT AND EXCEPT FOR ANY APPLICABLE WARRANTIES SET OUT IN THE CONSUMER PROTECTION ACT (QUÉBEC), WE MAKE NO REPRESENTATIONSOR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING ANY SUBJECT MATTER OF THIS AGREEMENT, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGEOF TRADE.

Limitation of Liability: EXCEPT IN QUÉBEC, OR AS EXPRESSLY REQUIRED BY THIS AGREEMENT OR APPLICABLE LAW, WE WILL NOT BE LIABLE TO YOU FOR PERFORMING OR FAILING TO PERFORM ANY OBLIGATION UNDER THIS AGREEMENT UNLESS WE HAVE ACTED IN BAD FAITH. WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, RIOTS, FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES, FAILURE OF COMMUNICATION SYSTEMS, OR FAILURES OF OR DIFFICULTIES WITH OUR EQUIPMENT OR SYSTEMS. ALSO, WITHOUT LIMITING THE FOREGOING, WE WILL NOT BE LIABLE TO YOU FOR ANY DELAY, FAILURE OR MALFUNCTION ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, ANY PAYMENT SYSTEM OR ANY CUSTOMER SERVICE FUNCTION. IN THE EVENT THAT WE ARE HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL AND DIRECT DAMAGES. IN NO EVENT WILL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT, OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES.

INDEMNITY: YOU WILL DEFEND, INDEMNIFY AND HOLD HARMLESS PEOPLES TRUST AND PEOPLES TRUST’S SERVICE PROVIDERS, THEIR RESPECTIVE AFFILIATES AND EACH OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, OTHER REPRESENTATIVES, SUCCESSORS AND ASSIGNS (COLLECTIVELY, THE “INDEMNIFIED PARTIES”) FROM AND AGAINST ANY AND ALL CLAIMS, COMPLAINTS, DEMANDS, INVESTIGATIONS, ACTIONS, SUITS AND PROCEEDINGS BY ANY PERSON, INCLUDING ANY REGULATORY AUTHORITY OR CARD USER (EACH A “THIRD PARTY CLAIM/PROCEEDING”) AND ALL RESULTING LIABILITIES AND OBLIGATIONS (INCLUDING DAMAGES, ADMINISTRATIVE MONETARY PENALTIES, FINANCIAL SANCTIONS, SETTLEMENT PAYMENTS, EXPENSES AND COSTS, INCLUDING LEGAL FEES) ARISING FROM, CONNECTED WITH OR RELATING TO ANY OF THE FOLLOWING: (A) THE USE OF A CARD BY YOU OR ANY OTHER PERSON; OR (B) ANY NEGLIGENCE, MISCONDUCT OR BREACH OF THIS AGREEMENT BY YOU OR ANY PERSON FOR WHOM YOU ARE RESPONSIBLE UNDER THIS AGREEMENT OR AT LAW.

NOTWITHSTANDING THE FOREGOING, THE INDEMNIFIED PARTIES RETAIN THE RIGHT TO PARTICIPATE (WITH COUNSEL OF THEIR OWN SELECTION AT THEIR SOLE COST AND EXPENSE) IN THE DEFENSE OF AND SETTLEMENT NEGOTIATIONS RELATING TO ANY THIRD-PARTY CLAIM/PROCEEDING.

Website and Availability: Although considerable effort is made to ensure that our Website and other operational and communications channels are available around the clock, we do not warrant these channels to be available and error free at all times. You agree that we will not be responsible for temporary interruptions in service due to maintenance, website changes, or failures, nor will we be liable for extended interruptions due to failures beyond our control, including but not limited to the failure of interconnecting and operating systems, computer viruses, forces of nature, labour disputes and armed conflicts. We will not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses that may affect your computer or other equipment. You agree to act responsibly with regard to the Website and its use. You will not violate any laws, interfere or disrupt computer networks, impersonate another person or entity, violate the rights of any third party, stalk, threaten or harass anyone, gain any unauthorized entry, or interfere with the Website’s systems and integrity.

Entire Agreement: This Agreement sets forth the entire understanding and Agreement between you and us, whether written or oral, with respect to the subject matter hereof and supersedes any prior or contemporaneous understandings or Agreements with respect to such subject matter.

Governing Law: The parties agree that any claim or action brought pursuant to this Agreement will be brought in the exclusive jurisdiction of the courts of British Columbia and this Agreement will be construed in accordance with and governed by the laws of the Province of British Columbia and the laws of Canada applicable therein.

FOR RESIDENTS OF QUÉBEC ONLY: The parties attorn to the jurisdiction of Québec and this Agreement will be construed in accordance with and governed by the laws of the province of Québec and the laws of Canada applicable therein.

Section Headings: Section headings in this Agreement are for convenience of reference only and will not govern the interpretation of any provision of this Agreement.

English Language: The parties have expressly required that this Agreement, and any communications, other contracts, documents and notices relating to this Agreement be drafted in the English language only. Les parties ont expressément exigé que la présente convention et toute communication, autres contrats, documents et avis qui y sont afférents soient rédigés dans la langue anglaise seulement.

Language (Applicable to Quebec residents only): You acknowledge you were offered the choice to enter into this Agreement in French or English. You have selected to enter into this Agreement in English, after being provided with the French version. Therefore, you agree that this Agreement and any document related to it, including notices, will be in English only.

Vous reconnaissez qu’on vous a offert le choix de conclure la convention en français ou en anglais. Vous avez choisi de conclure la convention en anglais, après avoir reçu la version française. Par conséquent, vous acceptez que la convention et tous les documents qui s’y rattachent, y compris les avis, soient en anglais seulement.

Severability: If any part of this Agreement is found to be invalid or unenforceable by any court or government agency of competent jurisdiction, that invalidity or unenforceability will not affect the remainder of this Agreement, which will survive and be construed as if such invalid or unenforceable part had not been contained herein.

Contact Information: If you have questions regarding the Card, or need to report a lost or stolen Card, you may call customer service at:

1-855-876-1976

or write to:
We Financial,
77 Main Street,
Winnipeg, MB, R3C 1A3

You may also reach Peoples Trust Company at
+1 (888) 568-2858

or write to:
888 Dunsmuir St #1400,
Vancouver, BC,
V6C 3K4
Canada.

*Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

We Financial^® and WeGo^® are trademarks of The North West Company LP.

^®Registered trademark of Interac Corp. Used under license.
¹ Apple Store® is a trademark of Apple Inc., registered in the U.S. and other countries.
² Google Play™ is a trademark of Google Inc.

Effective: April 1, 2026