MasterCard Services:

Balance Insurance Plan — Application

Application for ATB MasterCard Personal Card Balance Insurance Plan (Optional):

• Download Application Form - (PDF - 25k)

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Balance Insurance Plan — Information

The ATB Financial MasterCard Personal Card Balance Insurance Plan ("The Plan") is underwritten by The Manufacturers Life Insurance Company ("Manulife Financial") and First North American Insurance Company ("FNA"), and is offered to eligible ATB Financial MasterCard Personal Cardholders on a group basis.

Eligibility:

The Plan is optional and not a condition of credit approval. To be eligible to enroll for The Plan, you must be a resident of Canada, aged 18 through 64, and have entered into an ATB Financial MasterCard Cardholder Agreement.

Benefits:

Job Loss Benefits - If you involuntarily lose your job, and your unemployment continues beyond the 30 day waiting period, FNA will pay a monthly amount equal to the greater of $10 or 5% of your last statement coinciding with or immediately preceding the date of loss until you rejoin the work force or your entire balance is paid off, up to a maximum of $10,000. A 90 day elimination period will apply. You must also be employed by the same employer for six consecutive months immediately prior to losing your job to be eligible for this benefit.

Disability Benefits - If you become totally disabled, then Manulife Financial will pay a monthly amount equal to the greater of $10 or 5% of your last statement coinciding with or immediately preceding the date of loss until you rejoin the work force or your entire balance is paid off, up to a maximum of $10,000. Disability benefits will commence after 90 days of uninterrupted total disability, and thereafter you must remain under the care of an approved doctor. A 90 day elimination period will apply.

Critical Illness - If you or your spouse, who is a joint cardholder, are diagnosed, for the first time in your life, as suffering from a stroke, a heart attack or cancer and survive this first diagnosis for at least 30 days in the case of stroke or heart attack and 90 days in the case of cancer, then Manulife Financial will pay off your balance as of that date up to a maximum of $10,000. A 90 day waiting period for this benefit will apply. This critical illness benefit will not be paid more than once with respect to any other cardholder regardless of the number of critical illnesses diagnosed.

Death - If you or your spouse, who is a joint cardholder die, then Manulife Financial will completely pay off your account balance as of that date, up to a maximum of $10,000.

Cost:

Cost of coverage is $0.89 per $100 of your previous month's account balance. If you enroll, your first 30 days of coverage is compliments of ATB Financial. This will give you the opportunity to receive and review the actual Certificate of Insurance. If for any reason you are not satisfied, you may return the Certificate within the first two months of your insurance commencement date. All premiums that may have been paid by you will be refunded.

Commencement:

The Plan Coverage will commence on the date that appears on your welcome letter which will be sent to you with your Certificate of Insurance. Your coverage will cease upon request or if your account fails to remain in good standing.

All benefits described herein are subject to EXCLUSIONS AND LIMITATIONS. Please refer to your Certificate of Insurance for the details of your coverage and for information regarding privacy and confidentiality of personal information.

Inquiries:

Inquiries may be directed to: Manulife Financial, Affinity Markets, 5650 Yonge St., 16th Floor, North York, Ontario, M2M 4G4. For general information call 1-877-362-2103.

Additional Information:

For more information about ATB Financial's MasterCard products, call us at  1-888-ATB-5678 today or visit any branch of ATB Financial. For the address of a location nearest you, please browse this site using the Branch Locator.

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