Rewards Features:

• No annual fee

• Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases.

• Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.

• Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.

• No limit on the amount of Money-Back Rewards you can earn.

• Change your 2% Money-Back Categories to suit your spending.

• Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.

Additional Card Benefits:

• 2.5% Foreign Conversion Fee

• Free Cards for Authorized Users on your Account

• Purchase Assurance and Extended Warranty1 – For most new purchases made anywhere in the world using your Tangerine Money-Back Credit Card, you may receive a lifetime maximum of up to $60,000 for the following insurance coverage:

⋄ Purchase Assurance, which may automatically cover loss, theft or damage, in excess of other insurance, for 90 days from the date of purchase; and

⋄ Extended Warranty, which may double the period of repair services, to a maximum of one additional year, when the original manufacturer’s warranty expires.

• Add your Tangerine Money-Back Credit Card to the Wallet app on your Apple® device and use Apple Pay pretty much everywhere you love to shop. Look for the Apple Pay or contactless logo. It’s simple and secure. Learn more.

MasterCard® Benefits:

• Accepted worldwide at more than 24 million locations in over 210 countries

• MasterCard Zero Liability

• MasterCard Tap & GoTM