The Privacy Charter describes how we collect, use and disclose personal information in order to: (i) process and administer your payment for the purchase of products or services, if you purchase online or use a debit or credit card for the purchase in one of our stores; (ii) process your application for a product, provide a service or administer the Canadian Tire loyalty reward program or other loyalty or preferred customer programs that may exist from time to time (each a "Loyalty Program"); (iii) better understand your needs and offer you relevant information, products, services, rewards and programs, including sending you (and others on your behalf) communications by way of postal mail, email, facsimile, telephone, text message or other type of electronic message; (iv) determine your interest and eligibility for, and where appropriate provide you with, products, services, rewards and programs; (v) track and analyze your purchases, other transactions, shopping patterns, account activity, and payment history for marketing analysis purposes or tailoring promotional offers to you; (vi) track and analyze website use to provide a better customer experience such as customized offers and advertisements; (vii) verify your identity and protect against error and fraud; (viii) manage and assess our risk; (ix) assess and update your credit worthiness on an ongoing basis; (x) conduct research and analysis (de-identified to the extent possible); (xi) process, service, analyze and audit your relationship with us, including collecting any money you owe us; (xii) comply with applicable legal, regulatory and self-regulatory requirements; (xiii) respond to your questions, comments or requests to customer service; and (xiv) achieve other purposes as may, from time to time, be permitted by law.

We may provide your personal information to Canadian Tir e affiliates or to other third party Marketing Partners, including under a Loyalty Program, so that they can notify you directly of products, services, rewards and special offers that may be of interest to you.

The names of Partners, the rates at which eCTM can be collected and redeemed and any items that will not be considered eligible for collecting eCTM or in respect of which you will not be able to redeem eCTM will be designated by us and will be posted on the

Program Website and may be amended by us from time to time.

(A) the greater of (i) interest and fees shown on your statement + $10 or (ii) 5% of the New Balance, excluding amounts on special payment plans; plus(C) any amounts past due not included in (B) above; plus(D) the amount of any equal payments plan instalments then due.Foreign Currency Conversion: All transactions made in a foreign currency will be converted to Canadian currency at the then current Mastercard conversion rate plus 2.5% (for charges to your account) or minus 2.5% (for credits to your account) when the transaction is posted to your account.Cash Advance Fee: $4 - Charged when the transaction is posted to your account.NSF/Dishounoured Payment Fee: $25 - Charged if a payment you make is dishonoured.Charges for Copies: $2 - Charged when you request a copy of a statement.Credit Balance Fee: The lesser of $10 or the amount of your credit balance.

Many offers are only available to IHG Rewards Club members who receive a specific, targeted communication from IHG.

A list of frequently asked privacy questions (FAQs) is available to provide you with examples and instances of how your personal information may be collected, used and disclosed. Can paper Canadian Tire Money® be converted to electronic Canadian Tire Money? Canadian Tire reserves the right to terminate a Member’s participation in the Program or to block a Member’s ability to use the Member’s eCTM if Canadian Tire has inaccurate or incomplete information respecting the Member.

Enrolment in the Program constitutes acceptance of these terms and conditions and each applicant for membership in the Program consents to the collection and use of personal information in accordance with the Canadian Tire Privacy Charter, as amended from time to time. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate.Additional information for residents of Quebec only: The regular annual rate for persons applying for the Triangle credit card is 22.99% for cash transactions and related fees and 19.99% for all other charges.

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