*All rates and fees for the PC ^® Mastercard^® credit cards. **Information about fees for special requests and services for the PC Money^TM Account is available here. 1 Total value estimate is based on PC Optimum^TM points earned on purchases with a PC Financial^® World Elite^® Mastercard^® at stores that participate in the PC Optimum^TM program. For illustrative purposes only; results may vary based on individual spending behaviour. 2 PC Express^TM Pass is a monthly or annual subscription plan that gives you $0 pickup or delivery on same-day or future PC Express^TM online grocery orders of $30 or more for the duration of the plan. Annual subscription fee of $99.99, plus applicable taxes, is waived for PC Insiders^TM World Elite^® Mastercard^® cardholders. Cannot be combined with any other PC Express^TM Pass subscription promotional offer. Priority pickup and delivery are available with a PC Express^TM Pass for $3. PC Express^TM Rapid Delivery is available with a PC Express^TM Pass for $3. PC Express^TM online grocery orders require a $30 minimum spend (before taxes and fees) in order to receive free same-day or future pickup or delivery. Subscription may be automatically cancelled, and your benefits will end immediately if at any time your PC Insiders^TM World Elite^® Mastercard^® account is not in good standing, restricted, closed, or changed to a different President’s Choice Financial^® credit card. Visit https://www.pcexpress.ca/pass for details on the program. 3 Average annual value estimate consists of PC Express^TM Pass annual subscription ($99.99) plus PC Optimum^TM points predicted to be earned annually by average active PC Insiders^TM World Elite^® Mastercard^® cardholders. Total and category spending estimates are based on 2022 annual purchase data from PC Financial^® World Elite^® Mastercard^® cardholders projected to upgrade to PC Insiders^TM World Elite^® Mastercard^®. For illustrative purposes only; results vary based on individual spending. 4 Value shown is for illustrative purposes only; results may vary based on individual purchase behaviour and savings. Annual value of $700 includes: · Up to $60 in points annually: Earn a monthly bonus of up to 5,000 PC Optimum^TM points when you deposit funds to your PC Money^TM Account using automatic payroll or pension direct deposits. Payroll or pension deposits totalling between $1,500 and $2,999 within a calendar month will earn a bonus of 2,000 PC Optimum^TM points, and deposits totalling greater than $2,999 will earn an additional bonus of 3,000 PC Optimum^TM points, for a maximum monthly bonus of 5,000 PC Optimum^TM points. Limited to one bonus per customer, per month, even if you have multiple PC Money^TM Accounts. The classification of a direct deposit as a payroll or pension direct deposit is determined solely by President’s Choice Bank. Interac e-Transfer^® services, electronic funds transfers, and other forms of deposits or transfers to your account do not count towards this bonus. Bonus points will be awarded to your PC Optimum^TM account within 2–7 business days of when you meet the minimum direct deposit amount(s). · Up to $60 in points annually: Earn a bonus of 1,000 PC Optimum^TM points for each of up to five bill payments of $50 or more to unique payees, per calendar month, made using a valid PC Money^TM Account. Bonus points will be awarded to your PC Optimum^TM account within 2–3 weeks of a successful bill payment. · Estimate of $80 in points annually when you use the PC Money^TM Account as your primary spending account: Spending estimate of $1,166.67 monthly (with 15% spent at eligible stores and 85% spent everywhere else) is based on 2023 annual purchase data of PC Money^TM Account holders who use the account as their primary spending account. Earn at least 5 PC Optimum^TM points per dollar on qualifying purchases with your PC Money^TM Account, wherever your card is accepted. Earn 10 PC Optimum^TM points (5 regular PC Optimum^TM points plus a bonus of 5 PC Optimum^TM points) per dollar on qualifying purchases at participating Loblaw banner stores, Shoppers Drug Mart^® stores, Joe Fresh^® stores, and Esso^TM and Mobil^TM stations in Canada. Bill payments, electronic funds transfers, account fees and interest are not qualifying purchases for the purpose of earning PC Optimum^TM points. PC Optimum^TM points will be deducted for any credits or returns. President's Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates at any time. Account must be in good standing at time of qualifying transaction and awarding of points. Value shown is for illustrative purposes only; results may vary based on individual purchase behaviour. · Estimate of $12 in savings annually from foreign exchange transaction fees. Calculated based on a monthly spend of $40 at a 2.5% foreign exchange fees. · Up to $203 in savings annually: Savings on monthly fees based on an average of moderately priced, unlimited transaction chequing accounts at the big 5 Canadian banks. Some banks may rebate or waive monthly fees for customers who hold multiple products or maintain a minimum account balance each month. · An estimated $285 in interest earned on your savings balance, calculated using a simple interest calculation and assuming a minimum annual interest rate of 2.85% and a daily closing savings balance of $10,000. ^®/TM Trademarks of Loblaws Inc., used under license. Mastercard^® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks. Shoppers Drug Mart^®, Pharmaprix^® and logos are trademarks of 911979 Alberta Ltd., used under license. ^®/TM Esso is a trademark of Imperial Oil Limited. Imperial Oil, licensee. Mobil^TM is a trademark of Exxon Mobil Corporation or one of its subsidiaries. Imperial oil, licensee. PC Money^TM Account and President's Choice Financial^® Mastercard^® are provided by President’s Choice Bank. The PC Optimum^TM program is provided by President's Choice Services Inc.

'^®/^TM Trademarks of Loblaws Inc., used under license.

The PC Optimum^TM program is provided by President's Choice Services Inc