Rewards Program FAQ

Q. What is the Elite Rewards Program?

A.The Elite Rewards Program is a company-sponsored program that is being implemented across all Canada for deals funded by one of our Mortgage Agents. This program rewards you with points that you earn and accrue...similar to an airline's frequent flyer program. The points can be redeemed for a wide range of high quality travel and merchandise offerings - giving you the freedom and flexibility to choose the rewards you really want.

Q. How do I participate in the rewards program?

A. The Elite Rewards Program is open to any person referring business to one of our Mortgage Agents. Points will be awarded according to a Point Award Matrix based on funded mortgages. Special promotions may be offered where you will be able to earn additional points. Please refer to the Program Rules (on the reverse side) for more details.

Q. How long will the rewards program run?

A. The Elite Rewards Program launch date is February 1, 2008. This program will run for one year and shall be renewable at the company's option annually thereafter.

Q. Will my points expire?

A. Your points are valid for the life of the program and as long as you are an active member in the rewards program. If the program is discontinued, you will have 90 days to redeem your points for rewards.

Q. Are my points only good for airline travel?

A. No. You can choose from a wide variety of travel options…airline tickets, resort and hotel accommodations, cruises, car rental, special leisure and sporting event packages. In addition, your points can be redeemed for a wide variety of high-end, branded merchandise...you decide what rewards you would like.

Q. How do I find out how many points I have earned?

A. You may check your point balance, redemption information, and view an electronic Rewards Catalog, online anytime on our website. You will also receive a printed Reward Program Statement that shows your points earned on a monthly basis.

Q. How do I redeem my points for merchandise or travel?

A. You may conveniently go online to redeem your points on our website. Or simply call the Redemption Center. For help with travel rewards, call 1-800-210-8539. For help with merchandise rewards, call 1-877-690-2080

Q. Can I combine cash with my to redeem for higher-level rewards?

A. No. Your program is based on a points value system, not a cash value system. Rewards can only be awarded and redeemed based on points.