Aviva’s Reply
                                                                                                                                                                                                         REFERRAL TO THE AUTORITÉ DES MARCHÉS
                                                                                                                                                                                                         FINANCIERS DU QUÉBEC
                                                                                                                                                                                                                                                                           Despite the cancellation of the insurance contract, the first
                                                                                                                                                                                                                                                                           contract entered into will remain in force. Caution: it is
                                                                                                                                                                                                                                                                                                                                                 441. A client may cancel an insurance contract made at
                                                                                                                                                                                                                                                                                                                                                      the same time as another contract, within 10 days of               DISTRIBUTION GUIDE
     Aviva will advise you of their decision, and the reasons                                    If item is Lost                     If Item is Stolen                     If Item is Damaged            For all other information on Aviva or Canadian Tire Financial     possible that you may lose advantageous conditions as a                    signing it, by sending notice by registered or certified
     for it, within 5 business days of receipt of all required                                                                                                                                                                                                             result of the cancellation of this insurance; contact your                 mail. Where such an insurance contract is cancelled,          Name of the Insurance Product:
                                                                   Call to report       Claim Form to include:           Claim Form to include:                      Claim form to include:              Services, you may contact Autorité des marchés financiers
     information.                                                                                                                                                                                                                                                          distributor or the insurer or consult your contract.                       the first contract retains all its effects.                   Product Protector
                                                                   your claim; Aviva    • date of purchase               • date of purchase                          • date of purchase                  du Québec, at
     If Aviva elects to have the covered item repaired, service    will mail a Claim    • date of loss                   • date theft occurred                       • date of damage                                 Autorité des marchés financiers                      After the expiry of the 30-day delay, you may cancel the              442. No contract may contain provisions allowing its
                                                                                                                                                                                                                                                                           insurance at any time; however, penalties may apply.                       amendment in the event of cancellation or termination         Type of Insurance Product:
     will be provided at an authorized Aviva service centre in     Form that must       • how loss occurred              • where & how theft occurred                • where & how damage                             800, Square Victoria, 22e étage
                                                                                                                                                                                                                                                                                                                                                      by the client of an insurance contract made at the            Property Coverage
     Canada. All products to be serviced or repaired must be       be completed and     • witness to loss                • witness to theft or evidence of report      occurred                                         C.P. 246, Tour de la Bourse                        For further information, contact l’Autorité des marchés
     delivered to the service centre and picked up from the        returned             • evidence of other insurance      to authorities                            • witness to damage                                Montréal (Québec) H4Z 1G3                          financiers at (514) 395-0337 (Montreal), (418) 525-0337                    same time. However, a contract may provide that the
                                                                                                                                                                                                                                                                                                                                                      cancellation or termination of the insurance contract         Insurer’s Contact Information:
     service centre, unless in-home service is deemed to be                             • other documentation/proof      • evidence of other insurance               • evidence of other insurance                                                                         (Québec) or 1 877 525-0337.
     necessary by Aviva. The Cardmember is responsible for                                reasonably required by Aviva   • other documentation/proof reasonably      • other documentation/proof                                                                                                                                                      will entail, for the remainder of the term, the loss of the   Aviva Insurance Company of Canada
                                                                                                                                                                                                         Telephone: Metro Québec: (418) 525-0337
     the costs of transporting the item to and from the service                                                            required by Aviva                           reasonably required by Aviva                                                                        NOTICE OF CANCELLATION OF AN INSURANCE CONTRACT                            favourable conditions extended because more than one          (herein called “Aviva”)
                                                                                                                                                                                                         Montréal: (514) 395-0337
     centre.                                                                                                                                                                                                                                                                                                                                          contract was made at the same time.                           2206 Eglinton Avenue East
                                                                   Additional           • In special circumstances, a    • Aviva may require a copy of a Police      • Photo of damaged item; or         Elsewhere in Quebec: 1-877-525-0337                                         To: Aviva Insurance Company of Canada
     Repairs will be carried out during normal business                                                                                                                                                  Website: www.lautorite.qc.ca                                                    1100 - 1125 Howe Street                                 443. A distributor that offers financing for the purchase          Scarborough, Ontario M1L 4S8
                                                                   Validation             notarized Proof of Loss may      Report concerning the theft, which will     return of item to Aviva
                                                                                                                                                                                                         Email: renseignements-consommateur@lautorite.qc.ca                              Vancouver BC V6Z 2Y6                                         of goods or services and that requires the debtor             Telephone: 1-800-387-4518
     hours, and Aviva will arrange to pay the service centre                              be required                      be obtained at Aviva’s cost               • Denial letter from other insur-
                                                                                                                                                                                                                                                                                                                                                      to subscribe for insurance to guarantee the                   or call collect at: (416) 288-1800
     directly. In the event there is no appropriate service                             • Denial letter from other       • Suspicious and/or high value claims         ance company (e.g. home-
                                                                                                                                                                                                                                                                           Date:                                                                      reimbursement of the loan must give the debtor a              Fax: (416) 288-1210
     centre located within a reasonable distance, you may                                 insurance company (e.g.          will be fully investigated i.e. by a        owner’s insurance)                                         Schedule 1
                                                                                                                                                                                                                                                                           _________________________________________                                  notice, drawn up in the manner prescribed by regulation
     be required to initially pay for the required repairs and                            homeowner’s insurance)           certified claims adjuster
                                                                                                                                                                                                         NOTICE OF CANCELLATION OF AN INSURANCE CONTRACT                                (date of sending of notice)                                   of the Autorité, stating that the debtor may subscribe
     submit the invoices to Aviva for reimbursement.                                                                     • Theft claims in excess of $2,000                                                                                                                                                                                                                                                         Distributor’s Contact Information:
                                                                                                                                                                                                         NOTICE GIVEN BY A DISTRIBUTOR                                                                                                                for insurance with the insurer and representative of
                                                                                                                           will be investigated by a certified                                                                                                             _________________________________________                                                                                                Canadian Tire Financial Services Limited
     The chart to the right summarizes the details of how your                                                                                                                                                                                                                                                                                        the debtor’s choice provided that the insurance is
                                                                                                                           adjuster. The adjuster will meet with                                         Section 440 of the Act respecting the distribution of financial                    Policy Number                                                                                                           1000 East Main Street
     claims will be processed.                                                                                                                                                                                                                                                                                                                        considered satisfactory by the creditor, who may not
                                                                                                                           you to review your claim, answer any                                          products and services                                             Pursuant to section 441 of the Act respecting the                          refuse it without reasonable grounds. The distributor         Welland, Ontario L3B 3Z3
     APPEAL OF AVIVA’S DECISION AND RECOURSES                                                                              questions about the claims process
                                                                                                                                                                                                         THE ACT RESPECTING THE DISTRIBUTION OF FINANCIAL                  distribution of financial products and services, I hereby                  may not subordinate the making of the contract of             Telephone: 1-800-459-6415
                                                                                                                           and provide a Proof of Loss for
     If you are not satisfied with Aviva’s decision, ask them to                                                                                                                                         PRODUCTS AND SERVICES GIVES YOU IMPORTANT RIGHTS.                 cancel the insurance policy which has the same number                      credit to the making of an insurance contract with the
                                                                                                                           completion by you. The adjuster will
     review their decision and provide them with additional                                                                                                                                                                                                                as my account number:                                                      insurer specified by the distributor.
     information that would allow them to change their
                                                                                                                           request a copy of the report you filed                                        The Act allows you to cancel the insurance without
                                                                                                                           with the police. The adjuster’s report                                        penalty, within 10 days of its signature. For this product,       __________________________________________                                 No contract of credit may stipulate that it is made
                                                                                                                           and recommendation will be provided                                           the insurer allows you to cancel the insurance within 30                           (name of client)                                          subject to the condition that the insurance contract
     If you are still not satisfied, you may communicate with                                                              to Aviva to finalize the claim.                                               days from the date you received the proof of property             __________________________________________                                 subscribed with such an insurer remain in force until
     the Autorité des marchés financiers du Québec or consult                                                            • Denial letter from other insurance                                            coverage. To do so, you must give the insurer notice by                          (signature of client)                                       the expiry of the term, or subject to the condition that
     your own legal adviser.                                                                                               company (e.g. homeowner’s insurance)                                          registered mail within that delay. You may use the attached                                                                                  the expiry of such an insurance contract will entail
                                                                                                                                                                                                         form for this purpose.                                            This document must be sent by registered mail.                             forfeiture of term or the reduction of the debtor’s rights.
     DO YOU NEED TO KNOW ANYTHING ELSE?                            Enclosures           Original sales receipt and/or    Original sales receipt and/or               Original sales receipt and/or
                                                                                                                                                                                                                                                                           Sections 439, 440, 441, 442 and 443 of the Act must be                     The rights of the debtor under the contract of credit
     Please call 1-800-668-0377 or 604-669-2626                                         account statement                account statement                           account statement
                                                                                                                                                                                                                                                                           reproduced on this notice.                                                 shall not be forfeited when the debtor cancels,
     between 9:00 am and 8:00 pm EST, Monday through               Before Authorizing   Aviva will confirm coverage      Aviva will confirm coverage                 Aviva will confirm coverage                                                                           439. A distributor may not subordinate the making of a                     terminates or withdraws from the insurance contract,
     Friday, or write:                                             Repair or                                                                                                                                                                                                                                                                          provided that the debtor has subscribed for insurance
                                                                                                                                                                                                                                                                                contract to the making of an insurance contract with
               Aviva Insurance Company of Canada                   Replacement                                                                                                                                                                                                                                                                        with another insurer that is considered satisfactory by
                                                                                                                                                                                                                                                                                the insurer specified by the distributor. The distributor
                       1100 - 1125 Howe Street                                                                                                                                                                                                                                                                                                        the creditor, who may not refuse it without reasonable
                                                                   Resolution           Replacement receipt              Replacement receipt                         Repair invoice or replacement                                                                              may not exercise undue pressure on the client or use
                        Vancouver BC V6Z 2Y6                                                                                                                                                                                                                                    fraudulent tactics to induce the client to purchase a                 grounds.
      Phone: 1-800-668-0377 (toll free) or 604-669-2626                                                                                                              receipt
                                                                                                                                                                                                                                                                                financial product or service.                                                                                                       Responsibility of l’Autorité des marches financiers
                  Fax: 1-800-663-0329 (toll free)
                                                                                                                                                                                                                                                                           440. A distributor that, at the time a contract is made, causes                                                                          L’Autorité des marchés financiers does not express an
     SIMILAR PRODUCTS                                                                                                                                                                                                                                                           the client to make an insurance contract must give the                                                                              opinion on the quality of the product offered in this guide.
                                                                                                                                                                                                                                                                                client a notice, drafted in the manner prescribed by                                                                                The insurer alone is responsible for any discrepancies
     Other insurance that may include coverage similar to
                                                                                                                                                                                                                                                                                regulation of the Autorité, stating that the client may cancel                                                                      between the wording of the guide and the policy.
     Product Protector may exist on the market.
                                                                                                                                                                                                                                                                                the insurance contract within 10 days of signing it.                  DG-E-11/10 • 650                               MCC 893898 E

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650 PP_DIST_GUIDE_d.indd 1                                                                                                                                                                                                                                                                                                                                                                                                                                               11/11/10 4:26 PM
                                                                                                    INTRODUCTION                                                                            What Kind of Purchases Are Covered?                     How Broad Is the Coverage?                               When Does the Insurance Begin?                              CANCELLATION                                                Are There Any Other Conditions?
                                   Table of Contents                                                                                                                                                                                                                                                         Your coverage begins on the date you are enrolled                                                                       The Cardmember shall do all things reasonable to avoid or
                                                                                                    PRODUCT PROTECTOR is an insurance programme
                                                                                                                                                                                                                   CAUTION                                                                                                                                               Cancellation in the first 30 days
      Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1                                                                                                                                                                               CAUTION                           in Product Protector. The coverage in respect of                                                                        minimize any loss or damage to eligible purchases.
                                                                                                    available to Canadian Tire Credit Card Cardmembers. The
                                                                                                                                                                                            All items that are for personal use (not for a          Property Coverage provides coverage if an eligible       supplementary Cardmembers begins when their card            You have the right to cancel the insurance within the
      Description of the Property Insurance Coverage Offered. . . 1                                 programme includes property insurance coverage and                                                                                                                                                                                                                                                                               As a condition to the payment of any claim, the
                                                                                                    additional benefits such as the extended warranty and price                             business or commercial use) are eligible for            item is lost, damaged, or stolen, except if this loss,   is activated.                                               30 days following the date you received your Proof of
      Cancellation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5                                                                                                                                                                                                                                                                              Property Insurance . To do so, you must send a notice of    Cardmember may be required to transfer the covered item
                                                                                                    protection benefits. The Distribution Guide only discusses the                          coverage except:                                        damage or theft results from one or the other of         When Does the Insurance End?                                cancellation to Aviva by registered mail to the address     to Aviva and assign to Aviva all legal rights of ownership
      Change in Premiums and Coverage . . . . . . . . . . . . . . . . . . 5                         Property Insurance coverage. For information about the other                                                                                    the following:
                                                                                                                                                                                            • cash, travellers’ cheques, securities or any                                                                   The insurance is monthly, for the same period as your       below. You may use the form attached here to in Schedule    which the Cardmember has against any others for the
                                                                                                    benefits, please see the Additional Benefits Booklet received.
      How Do I Claim? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6                                                                                                       other negotiable instrument;                          • fraud;                                                 card statement. It renews automatically each month,         1 for this purpose.                                         loss.
                                                                                                    You, your, yours mean the person who holds a valid                                                                                                                                                       unless Aviva advises you that your insurance will not be
      Appeal of Aviva’s Decision and Recourses . . . . . . . . . . . . . 7                                                                                                                  • tickets or documents;                                 • abuse;                                                                                                                                                                         Product Protector is only for the benefit of the
                                                                                                    Canadian Tire Credit Card and is the primary Cardmember                                                                                                                                                  renewed.                                                    Attention: You should also forward to Aviva a copy of
                                                                                                    who receives the monthly account. Cardmember means you                                  • jewellery, gems, watches and furs, or garments                                                                                                                                                                                         Cardmember. The Cardmember shall not assign benefits
      Do You Need to Know Anything Else? . . . . . . . . . . . . . . . . . 7                                                                                                                                                                        • confiscation by authorities;                                                                                       Schedule 1, which represents your proof of receipt, by
                                                                                                    and all supplementary Cardmembers.                                                        trimmed with fur, while it is contained in your                                                                Note: Product Protector provides additional benefits                                                                    without Aviva’s prior written approval.
                                                                                                                                                                                                                                                                                                                                                                         registered mail.
      Similar Products . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7                                                                                                      baggage while travelling, unless such baggage         • any illegal activity committed by the Cardmember;      to Canadian Tire Cardmembers, please consult your
                                                                                                    This guide provides you with information on this insurance.                                                                                                                                                                                                          This cancellation takes effect as soon as Aviva receives    However, items purchased by a Cardmember and given as
      Referral to l’ Autorité des marchés financiers du Québec . . 10                                                                                                                         is with a Cardmember or a travelling companion        • normal wear and tear, including damage to sports       Additional Benefits Booklet for a complete overview of
                                                                                                    It will help you decide if this insurance is suitable for your                                                                                                                                                                                                       your notice of cancellation.                                a gift will be covered while owned by the original recipient
                                                                                                    needs.                                                                                    at all times;                                           equipment during the normal course of use of           the programme.
      Notice of cancellation of an insurance contract . . . . . . . . 11                                                                                                                                                                                                                                                                                                                                                             of the gift, provided the recipient complies with all of the
                                                                                                                                                                                            • living plants, animals, or any perishables such         such equipment;                                        Your coverage will remain in effect for all eligible        Also cancellation can be made by calling toll free at       terms and conditions of the insurance.
                                                                                                    DESCRIPTION OF THE PROPERTY INSURANCE
                                                                                                                                                                                              as food or liquor;                                                                                             purchases made until the first to occur of the following:   1-800-459-6415.
                                                                                                    COVERAGE OFFERED                                                                                                                                • mechanical breakdown;                                                                                                                                                          HOW DO I CLAIM?
                                                                                                                                                                                            • bullion, rare or precious coins, art objects or                                                                                                                            The premium that has been charged to your account will
                                                                                                    a) Nature of the Coverage                                                                                                                       • disappearance of an item that is unexplained,          1. the date on which you request that coverage be                                                                       All claims must be made by you.
                                                                                                                                                                                              antiques;                                                                                                                                                                  be refunded.
                                                                                                    PRODUCT PROTECTOR:                                                                                                                                or marked by an absence of evidence of the                terminated;
                                                                                                                                                                                            • used or pre-owned items;                                                                                                                                                   Cancellation after the first 30 days                        If you need to make a claim, simply call
                                                                                                    PROPERTY COVERAGE                                                                                                                                 wrongful act of another;                               2. the date on which your account is terminated;
                                                                                                                                                                                            • automotive parts and accessories                                                                                                                                                                                                       1-800-668-0377 or 604-669-2626, between 9:00 a.m.
                                                                                                    Personal Property purchased by a Cardmember and charged                                                                                         • consequential damages - something that happens         3. the date on which your account becomes 90 days in        You can also cancel the insurance at any time, even after   and 8:00 p.m., EST, Monday through Friday, prior to
                                                                                                                                                                                              NOT purchased at Canadian Tire;
                                                                                                    in full to the Canadian Tire Credit Card to which the Product                                                                                     as a consequence of loss or damage to an eligible         arrears; however, your insurance will automatically      more than 30 days following the date you received your      proceeding with any action or repairs and a representative
                                                                                                    Protector premium is charged is insured against all risks of                            • tires of any kind, purchased anywhere;                  purchase - are not covered by Product Protector.                                                                   Proof of Property Insurance, by sending Aviva a notice to
                                                                                                                                                                                                                                                                                                                be reinstated when your account is once again in                                                                     will direct you to an appropriate service centre in your
                                                                                                    direct physical loss or damage for 90 days from the date of                             • automobiles, boats or any other motorized                                                                                                                                  this effect to the address below.
                                                                                                                                                                                                                                                                                                                good standing; or                                                                                                    area - or authorize replacement or reimbursement .
                                                                                                    purchase. Please note there are conditions and exclusions.                                vehicles which are used for personal
                                                                                                                                                                                                                                                                                                             4. the date on which Aviva terminates or does not           Attention: You should also forward to Aviva a copy of       Unauthorized repairs can invalidate your coverage.
                                                                                                    b) Summary of the Specific Features of                                                    transportation.                                       Benefit Maximums
                                                                                                                                                                                                                                                                                                                renew your insurance, provided that you are given 30     Schedule 1, which represents your proof of receipt, by      Attention: you must also make your initial report of a claim
                                                                                                       Property Coverage                                                                                                                            The total of all your Property Coverage claims may not
                                                                                                                                                                                            If the covered item(s) belongs to a pair or set, then                                                                                                                        registered mail.
                                                                                                                                                                                                                                                    exceed $10,000 in any calendar year.                        days’ advance notice.                                                                                                within 45 days of becoming aware of the facts giving rise
                                                                                                    What Does It Do For the Cardmember?                                                     Property Coverage will repair or replace the pair
                                                                                                                                                                                                                                                                                                             The coverage in respect of a supplementary                  Also, cancellation can be made by calling toll free at      to the claim.
                                                                                                    Property Coverage automatically insures new items of                                    or whole set (or reimburse you for the purchase         How Much Does it Cost?
                                                                                                                                                                                                                                                                                                             Cardmember terminates automatically on the date             1-800-459-6415.
                                                                                                    personal property for 90 days, beginning on the date of                                 price) only if the individual items or components       The premium for Product Protector (including property
                                                                                                    purchase, when the full purchase price is charged to the                                                                                                                                                 your coverage terminates. It also terminates when the       If a premium was paid in excess, Aviva will refund it.      Please be sure to keep copies of all manufacturers’
                                                                                                                                                                                            cannot be replaced individually, or cannot be           insurance, extended warranty and price protection
                                                                                                    Canadian Tire Credit Card. It does not matter if the item is lost,                                                                                                                                       supplementary card is cancelled.                                                                                        warranties, Canadian Tire Credit Card statements, and
                                                                                                                                                                                            used individually. Otherwise, the benefit will be       coverages) is $4.99 per month. No premium will be                                                                    Send your cancellation notice to the address below:
                                                                                                    damaged, or stolen; it does not matter where in the world you                                                                                                                                                                                                                                                                    proof of maintenance (where applicable), as proof-of-
                                                                                                                                                                                            proportional to the cost of the lost, damaged or        charged in any month where the outstanding balance       In the event that coverage is terminated, whether by
                                                                                                    are when it happens.                                                                                                                                                                                                                                                 Aviva Insurance Company of Canada                           purchase and evidence of your coverage. You may be
                                                                                                                                                                                            stolen piece or component, compared with the cost       on your Canadian Tire Credit Card account is less than   you or by Aviva, Aviva will honour the insurance for all
                                                                                                    It will be at the sole discretion of Aviva whether the covered                                                                                                                                                                                                       1100 - 1125 Howe Street                                     required to submit these documents when making
                                                                                                                                                                                            of the complete pair or set.                            $10.00. Any applicable sales taxes are extra. If you     purchases charged in full to the Canadian Tire Credit
                                                                                                    item will be replaced or repaired, or whether you will be                                                                                                                                                                                                            Vancouver BC V6Z 2Y6                                        a claim.
                                                                                                                                                                                                                                                    do not have a balance, and therefore, do not receive a   Card prior to the date of termination.
                                                                                                    reimbursed for the original purchase price of the item                                                                                          statement, no premium will be payable, yet there will                                                                CHANGE IN PREMIUMS AND COVERAGE
                                                                                                    (including any applicable taxes). Property Coverage is not                                                                                      be no interruption of the coverage on your purchases.
                                                                                                    designed to act as a replacement for other insurance. As                                                                                                                                                                                                             The premium and the other terms and conditions
                                                                                                    such, it provides coverage for what is not covered by your                                                                                                                                                                                                           of coverage may be amended by Aviva upon renewal
                                                                                                    homeowner’s or tenant’s policy, or other applicable insurance.                                                                                                                                                                                                       of your insurance, provided that we give you 30 days
                                                                                                                                                                                                                                                                                                                                                                         advance notice.
                                                                                                ™ The trademarks of Canadian Tire Corporation, Limited are used under licence.

                                                                                                  Product Protector is a registered trademark of Canadian Tire Financial Services Limited
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