For Office Use Only
CHS Canada LP
Open Account Application
Finance Account Application
Salesperson_____________________
Account # ______________________
Credit Limit $____________________
Approval _______________________
th
Main Office: 102 – 7777 10 St NE | Calgary, AB T2E 8X2
Phone (587) 755-2000 | Fax (587) 955-1619
Date __________________________
PRODUCTS PLANNING TO PURCHASE:
CREDIT NEEDED: $ _______________________________
INDIVIDUAL:
Last Name:
First Name:
Middle Name:
Address:
City:
Home Phone Number:
Social Insurance Number:
Province:
Cell Phone:
Date of Birth:
/
/
Postal Code:
Fax Number:
BUSINESS: (Please complete GUARANTOR information on Page 2)
Legal Name:
Contact Person:
Physical Address / PO Box:
City:
Business Phone:
Fax Number:
Corporate Account Number:
Type of Business:
Province:
Postal Code:
Email Address:
Sole Proprietorship
Corporation
General Partnership
Limited Liability Company
Limited Partnership
Other: ________________________________
AUTHORIZED SIGNER:
If you are applying as a business, are you an authorized signer?
Please Print Name:
No
Title:
Yes
BANK REFERENCES:
Lender Name:
Contact Person:
Account Number:
Total Commitment:
Bank Name:
Account Number:
Location:
Phone Number:
Fax Number:
Operating Line:
No
Yes
Chequing/Saving:
No
Collateral: (i.e. Crop, machinery, livestock)
Contact Person:
Location:
Phone Number:
Fax Number:
Yes
CREDIT / TRADE REFERENCES:
Name:
Account Number:
Location:
Phone Number:
Contact Person:
Name:
Account Number:
Location:
Phone Number:
Contact Person:
CO-APPLICANT: (If Applicable)
Last Name:
First Name:
Middle Name:
Address:
City:
Home Phone Number:
Bank Reference:
Operating / Chequing
Social Insurance Number:
Province:
Cell Phone / Fax Number:
Bank Name:
Account Number:
Date of Birth:
/
/
Postal Code:
Relationship to Applicant:
Contact Person:
Location:
Phone Number:
Fax Number:
Notice: a. Do not sign this credit agreement before you read it or if any spaces intended for the agreed terms are left blank. b. You are entitled to a copy of this credit agreement at the time you sign it.
Keep it to protect your legal rights. c. You may at any time pay off the full unpaid balance under this credit agreement.
You authorize CHS Canada LP and its affiliates to collect, use and disclose any of your personal information (“Information”) from time to time for the following purposes (“Purposes”). To: (a) assess your
creditworthiness; (b) extend credit to you; (c) service and collect your CHS Canada LP and/or CHS Canada LP Finance account; (d) comply with applicable law; (e) establish your eligibility for special offers and
discounts; (f) identify your preferences for goods and services; and (g) promote and market additional goods and services that we, our affiliates or other well-established companies offer, including by means of
direct marketing.
Check here if you do not consent to items (e), (f) or (g). Your ability to receive credit from us will not be affected if you do not so consent. You understand that CHS Canada LP and its
affiliates: (1) may disclose certain of the Information to dealers, merchants, credit reporting agencies, credit bureaus, affiliates does or propose to do business, whose goods or services we believe you may
find interesting or useful, (2) will make these disclosures for the Purposes above and to maintain the integrity of the credit-granting process, and (3) may collect personal Information about you from your financial
institution, credit reporting agencies or credit bureaus, and other whom you do business from time to time for the Purposes above. You authorize these persons to provide such Information to us. You are not
required to provide your social insurance number to us, but if you do, it will be used to match credit bureau information. You can withdraw your consent to our collection, use or disclosure of Information for the
Purposes above by writing to us or calling us at 587-755-2000. If you do, we may no longer be able to offer you the credit you request. We may use Information in our records for so long as it is needed for
the Purposes and your consent remains valid after the termination of our relationship with you.
You represent that the Information given in this application is complete and accurate. Married applicants may apply for an individual account. You acknowledge that you have received a true copy of this
credit agreement and you agree to the terms.
APPLICANT SIGNATURE(S) REQUIRED:
Individual Signature
Date
Co-Applicant Signature
Date
BUSINESS SIGNATURE(S) REQUIRED:
Business Name
By: Authorized Signer’s Signature and Title
Date
*FOR CREDIT REQUESTS OVER $10,000 – PLEASE ATTACH A CURRENT SIGNED BALANCE SHEET.
**APPLICATION MUST BE COMPLETE. IF YOU HAVE ANY QUESTIONS ABOUT HOW TO COMPLETE THIS APPLICATION, PLEASE CALL YOUR CHS CANADA LP LOCATION
Page 1 of 2
CHS Canada LP
Finance Account Application
FINANCIAL INFORMATION:
BALANCE SHEET AS OF __________________ FOR _____________________________ (NAME OF INDIVIDUAL OR BUSINESS) OR, PLEASE
ATTACH YOUR MOST RECENT BALANCE SHEET. (NOTE : ALL INFORMATION MUST BE COMPLETED TO RECEIVE CONSIDERATION FOR ANY
CREDIT LIMIT REQUESTS GREATER THAN $10,000)
ASSETS
DEBT & NET WORTH
CASH & INVESTMENTS
$
ACCOUNTS PAYABLE
$
CROP INVENTORY TOTAL
NOTES DUE WITH BANK
LIVESTOCK INVENTORY
CURRENT PORTION - TERM DEBT (DUE 1 YR.)
PRE-PAID EXPENSES - CROPS
LAND RENT PAYABLE
NOTES / ACCOUNTS RECEIVABLE
CREDIT CARD DEBT
OTHER CURRENT ASSETS (__________)
OTHER CURRENT DEBT (CONTRACT FOR DEED)
TOTAL CURRENT ASSETS
TOTAL CURRENT DEBT
$
MACHINERY & EQUIP. TOTAL
EQUIP. LOANS (NET OF CURRENT ABOVE)
FARM REAL ESTATE
VEHICLE LOANS
OTHER FIXED ASSETS (___________)
REAL ESTATE LOANS (NET OF CURRENT)
$
TOTAL LONG TERM ASSETS
$
TOTAL LONG TERM DEBT
$
TOTAL ASSETS
$
TOTAL LIABILITIES
NET WORTH
$
$
CROP INFORMATION: Projected / Implemented Crop Plan
CROP TYPE
WHEAT
BARLEY
CANOLA
PEAS
RYE
FLAX
EDIBLE
BEANS
POTATOES
________
OTHER
ACRES
AVG. YIELD
UNIT/ACRE
PRIMARY
COUNTY
GUARANTOR: (This MUST be signed if applicant is a corporation, partnership or LLC)
Business Name:
Relationship to Business:
Last Name:
First Name:
Middle Name:
Address:
City:
Home Phone Number:
Bank Reference:
Operating / Chequing
Bank Name:
Social Insurance Number:
Province:
Cell Phone Number:
Account Number:
Date of Birth:
/
/
Postal Code:
Fax Number:
Contact Person:
Location:
Phone Number:
Fax Number:
I/We personally guarantee absolutely and unconditionally the full and prompt payment of any and all sums owed to CHS Canada LP by the above named entity. This guaranty shall be a continuing and
irrevocable guaranty and indemnity for indebtedness of the entity. I/We do hereby waive notice of default or non-payment and consent to any modification or renewal of the credit agreement hereby guaranteed.
I/We agree to pay upon demand any such due to CHS Canada LP by the entity whenever the entity shall fail to pay the same when due. I agree to further indemnify CHS Canada LP against any resulting claims,
losses or damages it may suffer by reason of the failure of the above named entity to perform its obligations to CHS Canada LP
The undersigned personal guarantor, recognizing that his or her individual credit history may be a necessary factor in the evaluation of this personal guaranty, hereby consents to and authorizes the use of a
consumer credit report on the undersigned, by CHS Canada LP from time to time as may be needed, in the credit evaluation process.
This application is not intended to, nor does it, create an obligation of CHS Canada LP to supply merchandise or services to your store(s).
GUARANTOR SIGNATURE:
Individual Signature
Date
* ENCLOSE WITH THIS APPLICATION *
1.
2.
3.
Applicant Entity Documents – Partnership: Partnership Agreement with Amendments / Corporation: Articles of Incorporation with Amendments, Stockholder and
Officer Certification, and Resolution to Borrow.
IF LOAN IS UNDER $250,000. Current Bank Financial Statement of fill in the Financial Statement above,
IF LOAN IS OVER $250,000. Two (2) Years of Financial Statements (with Schedules) and Three (3) Years of Tax Returns.

If Applicant is an entity or is separate co-applicants, then each participant is required to provide the financial information described above.
Please fax completed application to 587-955-1619, and mail original completed application to the following address:
CHS Canada LP
102 – 7777 10th St NE
Calgary, AB T2E 8X2
Page 2 of 2
CHS Canada LP Finance Account
CREDIT AGREEMENT
Ja n u ar y 20 1 5
THIS IS YOUR AGREEM ENT – PLEASE READ IT AND KEEP IT FOR YOUR RECORDS
I n t hi s A g r e em e nt t he w or d s y o u, y ou r, a n d y o u rs m e an e ac h p er s o n a n d/ or b u s i n e s s e nt i t y w h o ap pl i e s f o r a nd i s g r an t e d a C H S C a n ad a
LP an d / o r C H S C a n ad a LP Fi n an c e D ef e rr e d t e r ms A c c ou n t ( he r ei n C H S C a na d a LP an d C H S C a n ad a LP Fi n a nc e A c c ou nt re s p e c t i v e l y) ,
as w e l l as a n y p e rs o n pe rm i t t e d t o u s e t he C H S C a na d a LP an d / o r C H S C an a da LP Fi na nc e A c c ou n t . T h e w o rd s w e , us a nd o u r m ea n
C H S C a n a da L P .
C H S C AN A D A LP A N D / O R C H S C A N A D A LP F I N A N C E A C C O U N T. Y o u re q u es t a C H S C a na d a LP a nd / o r C H S C an a d a LP Fi na n c e
A c c ou n t f rom us b y ap pl yi ng f o r a C H S C a n ad a LP a n d/ o r C H S C a na d a L P F i n a nc e A c c o u nt w h en m ak i n g a p ur c h a s e f r om a m er c h a nt w h o
re q ue s t s u s t o o p e n o n e f or yo u . If yo u r a c c o un t r es ul t e d f r om ou r ap p ro v al o f a n ac c o u nt ap pl i c a t i on , yo u r ac c o u nt w i l l be c l a s s i f i e d as a
C H S C a n ad a LP A c c o un t . I f yo ur A c c o u nt r es ul t e d f r om ou r a p pr ov al o f yo u r c om p l e t e d a c c ou nt a pp l i c at i o n a nd f i n an c i al i n f o rm a t i on f orm
re q ue s t i n g es t a bl i s hm e nt o f a C H S C a n ad a LP F i n a nc e A c c o un t , yo u r A c c o un t w i l l b e c l as s i f i ed a s a C H S C a n ad a LP F i n an c e A c c o u nt .
C e rt ai n s pe c i al f ea t ur es o r p ro m ot i o ns w e m a y of f er f r om t i m e t o t i m e m a y b e m a de av ai l a bl e onl y t o C H S C a n ad a L P Fi n an c e A c c ou nt s .
W hen w e o p en yo u r C H S C a n a da LP a nd / or C H S C a n ad a LP Fi na n c e A c c ou nt , a nd on ea c h m on t h l y s t a t em en t , w e wi l l i n di c a t e w h et he r
s u c h ac c o u nt i s ei t h e r a C H S C a na d a LP a nd / o r C H S C an a da LP Fi na nc e A c c ou n t . Y ou ag r ee t h a t t hi s A g re em e n t wi l l ap pl y t o al l
pu rc h as es m ad e t hr o ug h yo u r C H S C a n ad a LP an d / o r C H S C a n ad a L P Fi n an c e A c c ou n t b y yo u or a n y pe rs o n yo u au t h o ri z e . Y ou au t ho ri z e
us t o h on o ur a n y p ur c h as e s yo u m ak e b y t el e p h on e , m ai l , f ac s i m i l e t ra n s m i s s i o n (f a x ) or ot h er el ec t ro ni c m e an s on yo u r C H S C a n ad a LP
an d / o r C H S C a na d a LP F i n a nc e A c c o u nt . Yo u a gr e e t ha t yo u r s i g n at u re i s n o t n ec e s s ar y a s i d en t i f i c at i o n i n s uc h c as es . Y o u a g re e t h at
an y a ut h or i z ed us e o f yo u r C H S C a na d a LP a n d/ o r C H S C a n ad a L P Fi n an c e A c c ou n t c o ns t i t u t e s yo u r a c c ep t an c e of a l l t h e t e rm s an d
c o n di t i o ns o f t hi s A g re em en t , a s i t m a y b e am e n de d f r om t i m e t o t i m e. If yo u s u bm i t yo u r a c c o un t a pp l i c at i o n t o u s b y f a x , yo u ag r e e t h at
t h e f a x e d c o p y of t h at a pp l i c at i on w i l l h av e t h e s am e ef f ec t a s a s i g ne d or i g i n al . Yo u w i l l pr om pt l y n o t i f y u s o f an y s us p ec t e d l os s , t h ef t o r
un a ut h or i z ed u s e o f yo u r C H S C a na d a LP a nd / o r C H S C a n a d a LP Fi na n c e A c c o u nt . I f t h at no t i c e i s gi v e n o ral l y yo u w i l l c o nf i rm i t i n
w ri t i ng . Yo u m a y be l i a bl e f or t he un a ut h or i z ed us e of yo u r C H S C a na d a LP a n d/ o r C H S C an a da LP F i n a nc e A c c o un t b ef o re yo u n ot i f y us
or al l y or i n w ri t i n g at C H S C a n ad a LP 1 02 – 7 77 7 10 t h S t N E , C al g ar y, A B T 2 E 8 X2 ( or b y f a x t o 5 8 7 - 9 5 5 - 1 61 9 ) of t h e u na u t h o ri z e d u s e .
Y o u c on s e n t a n d a g re e t h at y ou r t el e ph o n e c on v e rs a t i on s w i t h us m a y b e r ec o rd e d f or e d uc at i o n al p u rp o s e s t o f ur t he r i m pr ov e o u r
c u s t om e r s er v i c e . Y o u a gr e e t ha t w e m a y p l a c e p ho n e c a l l s t o yo u . Y ou ag r ee t o g i v e u s pr om pt n o t i c e o f a n y c h an g e i n yo u r n am e ,
m ai l i n g ad d re s s , or p l a c e of e m pl o ym e n t . U n t i l w e re c ei v e n ot i c e of yo u r n e w a dd r es s , w e m a y c o n t i n u e t o s e nd s t a t em e nt s an d o t h e r
no t i c e s t o t he ad d r es s yo u p r o v i d e d t o u s o n t he a pp l i c at i o n f or yo u r C H S C a n ad a LP a n d/ or C H S C an a da LP Fi na nc e A c c o un t . F or t h e
pu r po s es o f t hi s A g r eem en t yo u wi l l b e d e em e d t o re s i de i n t h e pr ov i n c e of yo u r bi l l i ng ad d r es s as s h o w n on ou r re c o r ds . If m or e t h an o ne
pe rs o n o r e n t i t y s i gn e d t he c r ed i t a p pl i c a t i on e ac h i s j oi nt l y an d s ev er al l y r e s p o ns i bl e f or al l obl i g a t i o n s a nd am o u nt s d u e u n de r t hi s
A g re em e n t . Y o u a c k n o wl e dg e t ha t no o ne a c t ed a s a b rok e r f o r t h e C H S C an a d a LP a n d/ or C H S C a n a da LP Fi n an c e A c c ou nt . T h i s
A g re em e n t i s n ot bi n di ng on u s un t i l w e h av e a pp r ov ed yo u r c r e di t an d gi v e n yo u no t i c e o f ap p r ov al .
A C C O U N T U S E . B y a pp l yi n g f o r o r a c c ep t i ng a C H S C a n ad a L P an d/ o r C H S C a n ad a LP Fi n a nc e A c c o u nt y o u a gr e e t o us e yo u r ac c o u nt
pr i ma ri l y t o m ak e pu r c h as es f o r a g ri c ul t u r al / c om m e rc i al pu r po s e s . Y ou c a n m ak e p ur c ha s e s up t o t h e f ul l am ou nt of yo u r c re di t l i m i t ( s ) ,
an d yo u a g re e t o pa y us al l am ou n t s c h a r ge d b y t h e us e of yo ur C H S C a na d a LP a n d/ or C H S C a n a da LP Fi na nc e A c c o u nt , pl us Fi n a nc e
C h ar g es a n d t h e o t h e r c h a rg es as p r ov i d ed i n t hi s A g re em en t . W e are no t r es po ns i b l e f or t h e re f us al of an yo n e t o a l l o w a p ur c h as e t o be
m ad e t h r ou g h yo u r C H S C an a d a LP an d/ o r C H S C a na d a LP Fi na n c e A c c o un t . W e ar e no t re s po n s i b l e f or t he g o od s a n d s e rv i c e s ac qu i r e d
or p r ov i d ed t hr o u gh t he u s e o f yo u r C H S C a na d a LP an d / o r C H S C a n a da LP F i n a nc e ac c o u nt . A n y s uc h c l ai m s an d al l d i s pu t e s r es p ec t i ng
an y t r a ns ac t i on m u s t b e s et t l ed b et w e e n yo u a n d t h e m e rc ha n t a t t h e l o c a t i on at w hi c h t he c h ar g e w a s m ad e a n d s h al l ha v e no ef f e c t o n
yo u r ob l i g a t i on s t o u s .
C R E D I T L I M I TS . W e wi l l e s t a bl i s h an d a d v i s e yo u of yo u r c r ed i t l i m i t ( s ). W e m a y c h a ng e yo ur c r ed i t l i m i t ( s ) as s p ec i f i ed un d e r t h e
he a di ng “C ha n gi ng t hi s A g re em en t ”. Y o u m a y r e q ue s t a c h an g e t o yo u r c r e di t l i m i t ( s ) b y w r i t i n g t o us a t t h e a b ov e a dd r es s .
FI N AN C E C H A R G E R A T E S . F i n an c e C h ar g es w i l l a c c ru e o n yo ur C H S C a na d a LP an d / o r C H S C a na d a LP Fi n an c e A c c o u nt B a l a nc e ba s e d
up o n t h e a pp l i c a bl e A nn u al P e rc en t ag e R a t e (“A P R ”) c h ar g ed b y u s . T h e A P R c ur r en t l y ap p l i c abl e t o re g ul ar p u rc h as es o n yo u r C H S
C a na d a LP a n d/ o r C H S C a n ad a LP F i n a nc e A c c o un t i s 1 9. 75 % p e r an n um , w hi c h i s a m o nt hl y r a t e o f 1. 6 4 % , c al c u l a t e d m on t h l y a n d
c om po u nd e d m o nt hl y. S am pl es of i nt er es t c h a r ge d:
O u t s t a n di ng B al an c e
S t a t em e nt P e ri o d
I n t e r es t C h ar g e d
$ 5 00
$ 8. 2 0
$ 1, 5 00
$ 2 4. 60
$ 3, 0 00
$ 4 9. 20
T he A P R i s s u bj ec t t o v a ri a t i o n f r om t i m e t o t i m e as s p ec i f i ed un d er t h e he a di ng “C ha n gi ng T hi s A g re em en t . ” T h e AP R a pp l i c a bl e a t a n y
t i m e h e re af t er wi l l be d i s c l o s ed o n yo u r m o n t h l y s t at em en t or i n s u c h o t h e r f o rm of n o t i c e as w e m a y d e t e rm i ne . C h a ng e s i n yo u r AP R w i l l
ap pl y t o yo u r e xi s t i n g A c c ou nt B al an c e( s ) a s w el l a s t o f u t u r e pu rc h as es . A n i nc r ea s e i n yo u r ra t e wi l l i nc r ea s e t he t ot al Fi n a nc e C h ar g es
ac c r ui n g o n yo u r A c c o un t B al a nc e a n d t h e b al a nc e o n w hi c h yo ur Mi ni m um R eq ui r ed P a ym en t i s c al c ul at e d. C H S C a na d a LP Fi na nc e
A c c ou n t s m a y c ha r ge F i n a nc e C h ar g es a t a di f f e r en t r at e/ f o r m ul a t o be s et f or t h i n a s p ec i al t e rm s di s c l o s u r e, as w el l a s n on -i nt e re s t
f i n a nc e c h a r ge s as a l s o s t at e d i n t h at di s c l os ur e .
FI N AN C E C H AR G E C A L C U L A T I O N . Fi na nc e C h ar g es w i l l ac c r ue o n yo u r A c c ou nt B al a nc e (s ) as f ol l o w s : S u bj ec t t o t he “ G r ac e P eri o d ”
no t ed bel o w , o n p u rc ha s es wi t h i n yo u r c re di t l i m i t (s ) w e wi l l ad d a F I N A N C E C H A R G E o n e ac h pu rc ha s e t r a ns ac t i on , wh i c h ac c r ue s f rom
t h e d at e of pu rc h as e ( un l e s s w e el ec t a l a t er d a y) a n d i s c a l c ul at e d as s ho w n he r ei n.
G R A C E P E R I O D . W e wi l l n ot c ha r ge i nt e r es t on pu r c h as es w h i c h ap p ea r o n yo u r m o n t hl y s t a t em en t f or t h e f i rs t t i m e , i f yo u pa y t he N e w
B al an c e i n f ul l b y t h e P a ym en t D u e D at e s h o w n o n yo u r m o nt hl y s t a t em e nt . T h e P a ym e nt D u e D a t e i s t h e 1 5t he o f t h e m on t h f ol l o wi n g t h e
pu rc h as e d at e s u bj ec t t o a m i n i m um o f 20 d a ys f r om t ha t da t e. ( I n re s p e c t of a C H S C a n a da L P Fi n an c e A c c o u nt t he P a ym e nt D u e D a t e i s
s e t f o rt h i n a s p ec i a l t e rm s d i s c l o s u r e) . If yo u d o n ot p a y t h e N e w B al an c e i n f ul l b y t h e P a y m en t D u e D at e, w e c h a rg e i nt e re s t f o r t h at
s t at em e nt p e ri o d ( 1. 5% pe r m o nt hl y s t a t em en t pe ri o d) o n e a c h t r an s a c t i o n s h o w n i n t h at s t a t em en t un t i l w e r ec ei v e f u l l p a ym e nt . I f yo u
m ak e a p a rt i al p a ym e nt , t h e b al an c e wi l l be r ed u c e d t o r ef l ec t t h e am o un t of yo u r p a ym e nt ( ap pl i e d i n ac c o r d an c e wi t h t h e h ea di n g
“P a ym e n t A p pl i c a t i on ” ), a n d w e wi l l c o nt i n ue t o c ha r ge i nt e re s t un t i l f ul l p a ym e nt i s r ec ei v e d . Yo u m a y a v oi d or r e d uc e Fi n a n c e C h a rg e s
b y pa ym e n t o f t he f ul l A c c ou nt B al an c e o n or b ef or e t h e P a ym en t D u e D at e. U n p ai d F i n a nc e C h ar g es a re i n c l u d e d i n t h e c al c ul at i o n of t h e
ba l a nc e s up o n w hi c h Fi na nc e C h ar g es a r e pa ya bl e i n t h e ne x t bi l l i n g c yc l e. T hi s c o ul d r es ul t i n yo u p a yi n g Fi na n c e C ha r ge s o n un p ai d
Fi na n c e C ha r g e s w h i c h m a y i n c re as e yo u r ac t ua l c os t of b o rr o w i n g o n an a n n ual i z e d ba s i s t o an e f f ec t i v e r at e i n e x c es s of t h e A P R us e d
t o c al c ul a t e t he F i n a nc e C h ar g es pa ya b l e o n yo u r C H S C a na d a L P a n d/ or C H S C a n ad a LP Fi na n c e A c c o un t , d ep e nd i n g on y ou r pa ym e n t
re c o r d. P a ym en t i n f ul l of yo u r en t i re b al a n c e on or be f or e t h e P a ym en t D u e D at e m a y d ec r e as e yo u r e f f ec t i v e c os t o f b or r o wi n g o n a n
an n ua l i z e d b as i s t o a ra t e bel o w s uc h A P R .
Page 1 of 3
P A YM E N T. T h e P a ym e nt D u e D a t e i s t he d at e t he Mi ni m um R e qu i r e d P a ym e n t i s du e a t t h e a d dr es s s ho w n o n t he f r o nt o f yo u r m o nt hl y
s t at em e nt . If t h e Mi ni m um R e qu i r e d P a ym e nt i s n ot s t a t ed i n t ha t m o nt hl y s t at em e n t t h e n i t s h al l be de em ed t o be t h e f ul l A c c ou n t
B al an c e. Y ou m a y at an y t i m e pa y yo u r en t i re N e w B a l a nc e or pa y m o re t h a n t he Mi ni m um R eq ui r ed P a ym e nt . P a ym e nt of m or e t h an t h e
Mi ni m um R e qui r ed P a ym en t w h i l e r ed uc i n g yo u r b al an c e wi l l n ot p r ep a y o r b e a pp l i ed a g ai ns t f ut ur e Mi ni m um R e q ui re d P a y m en t s . I f yo u r
P a ym e nt D u e D at e f al l s o n a S at u rd a y, S un d a y o r h ol i d a y, t h e P a ym e nt D u e D at e w i l l n ot be e x t e n de d . A l l p a ym en t s m us t b e i n C an a di an
do l l ar s an d d r a w n on f u nd s o n de p os i t i n C an a da . Y o u c a n p a y yo u r C H S C a n ad a LP a n d/ or C H S C a n ad a LP Fi na nc e A c c o u nt a t al l C H S
C a na d a LP l oc at i o ns , b y m ai l t o t he a b ov e a d dr es s o r b y p h on e t o 58 7 - 75 5 -2 0 00 .
P A YM E N T AP P L I C A T I O N . S u bj ec t t o a ppl i c ab l e l a w yo u r p a y m en t wi l l b e al l oc a t e d i n a m a n ne r w e d et e rm i ne an d m a y c h a ng e f r om t i m e
t o t i m e. Y o ur m o n t hl y p a ym en t s wi l l b e a ppl i e d f i rs t t o i n t e r es t ne x t t o f ee s (i f a n y) , ne x t t o yo ur P re v i o us B a l a nc e , t h e n t o ne w pu rc h as es .
P a ym e nt s wi l l be c r edi t ed a s of t he d at e o f re c e i p t at t he a dd r es s on t he s t a t em e nt i f r ec ei v e d b y 9 : 0 0 a. m . Mo u n t ai n T i m e Mo n d a y
t h r ou g h F ri da y (o t he r w i s e n e xt bu s i ne s s d a y) .
A C C E P T I N G P A YM E N T. W e c an ac c e pt l a t e or pa r t i al p a y m en t s as w el l as p a ym e nt s m ark e d “p ai d i n f u l l ” o r wi t h o t he r r e s t ri c t i v e
en d or s em e nt s w i t h ou t l o s i n g a n y o f o u r ri gh t s u n de r t he A gr e e m en t .
S P E C I A L P R O M O TI O N S . Fr om t i m e t o t i m e s pe c i al f i n an c i ng t e rm s , s u c h as e x t e nd e d i n t er es t f r e e p e ri od s , i nc e nt i v e i nt e re s t ra t e s o n
c e rt ai n p ur c ha s e s o r f o r l i m i t e d t i m e pe ri o ds o r ot h e r pr om ot i o ns m a y b e av ai l ab l e f o r t h e pu rc h as e o f c e rt ai n i t em s f rom p a r t i c i pa t i ng
m er c h a nt s . T h es e s p ec i a l t e rm s wi l l b e di s c l os ed b y t h e m e r c h a nt at t h e t i m e o f p ur c h as e . P u rc h as es yo u m ak e d u ri ng t he s e s p ec i al
pr om ot i o ns w i l l b e t ra ns f er r ed f r om yo u r C H S C a n ad a LP A c c o u nt t o yo u r C H S C a na d a LP Fi n a nc e A c c ou n t on t he 1 5 o f t h e m on t h
f ol l o w i ng a nd w i l l b ec om e p a r t o f t h e b al a nc e o n w hi c h yo ur F i n a nc e C h ar g e i s c a l c ul at ed a t t he t i m e p r ov i d e d i n a s p ec i al t erm s
di s c l os ur e .
N O – P A YM E N T S / N O - I N TE R E S T ( “ N P / N I ” ) T R AN S A C T I O N S . U nl es s o t h e r wi s e di s c l os e d , d ur i n g t h e N P / N I p eri o d d e s c r i b ed o n yo u r
m on t h l y s t at em e n t Fi n a nc e C h ar g es w i l l n ot a c c ru e o n N P / N I p ur c h as e s a n d s uc h p ur c h a s e s wi l l n o t f orm p a rt of t he b al a nc e on w h i c h
yo u r Mi n i m um R e qu i r e d P a ym e nt i s c al c u l a t e d . A f t e r t h e N P / N I pe ri o d d e s c ri be d on yo u r m on t hl y s t at em en t , Fi n an c e C ha r ge s w i l l b egi n t o
ac c r u e o n N P / N I p u rc h as es at t he A P R a p pl i c a bl e t o r eg ul a r p ur c h a s e s o n yo u r C H S C a n ad a LP A c c o u nt . N o Fi na n c e C h ar g e s w i l l b e d u e
un t i l t h e en d o f t h e n e x t s t at em en t d ue da t e w hi c h i s t h e 1 5t h of t he m o n t h f ol l o w i n g t ha t s t at em e nt pe ri o d.
C H S C A N AD A LP FI N AN C E D E FE R R E D TE R M S TR A N S A C TI O N S . U nl e s s o t h e r wi s e di s c l os ed , Fi n a nc e C h a rg e s w i l l a c c r u e o n d ef er r ed
t e rm s t r a ns ac t i o n b al a n c e s f ro m t h e d at e t h e pu rc h as e (s ) w er e p os t ed t o t he C H S C a n ad a L P Fi n an c e A c c o un t t o t h e d a t e s u c h b al a n c e s
ar e pai d i n f ul l . U n l e s s yo u a r e i n d e f a ul t u nd e r t hi s A g re em en t , n o Fi n a nc e C h a r ge or pa ym e n t i n re s p ec t o f s ea s on al t e rm s t ra ns a c t i o ns
w i l l b e d u e u nt i l t he en d o f t he s ea s on al t e rm s p e ri od . H o w ev er , yo u m us t pa y a c c ru e d F i n a nc e C ha r ge s o n s ea s o n al t erm s t ra n s a c t i o ns
ev e n i f t h e bal a nc e i s p ai d i n f ul l o n or b e f o r e t h e en d o f t h e s e a s o n al t e rm s p e ri o d . I f a s p ec i al s ea s o n al t e rm s Fi na nc e C h ar g e ra t e
ap pl i e s t o a s e a s o n al t e rm s t r an s ac t i o n, t ha t r at e w i l l be di s c l o s e d t o yo u. T h e e nt i r e ba l a nc e o f a s ea s o n al t e rm s t r an s ac t i o n , pl u s
ac c r u ed Fi n a nc e C h a rg e s w i l l be d u e i n f ul l a t t h e e nd o f t he s e as on al t erm s pe ri o d o r, at o u r op t i on , u po n yo u r d ef a ul t u n d er t hi s
A g re em e n t , w hi c h ev er i s ea rl i e r .
D E F A U L T FI N AN C E C H A R G E R A TE . I f yo u ar e i n d ef au l t , yo u m a y no l o n ge r q ual i f y f or a n y r ed u c e d i nt e re s t r at e s p ec i al p ro m ot i o ns an d
s u bj ec t t o a ppl i c ab l e l a w an d a t o ur o pt i o n, t he AP R a p pl i c a bl e t o s uc h s p ec i al p r om o t i on m a y be i nc re as e d t o 1 9. 7 5% pe r a nn um a n d yo u
ag r ee t o p a y i nt e re s t a t s u c h ra t e o n t he am o un t o ut s t an di n g i n r es p ec t of p u rc ha s es u n de r s u c h s pe c i al p rom ot i o n .
S E C U R I T Y I N TE R E S T. Y o u gr a nt us a p ur c ha s e m o ne y s ec u r i t y i nt e re s t ( as t ha t t e rm i s d ef i ne d u nd e r t h e a p pl i c a bl e pe r s o na l p r op e rt y
s e c u ri t y l egi s l at i o n ) i n al l m e r c h a ndi s e p ur c h a s e d t hr o ug h y ou r C H S C a n a da LP a n d/ or C H S C a n ad a L P Fi n an c e A c c o u nt , a nd i t s
pr oc e e ds , i nc l u di ng i ns u ra nc e pr oc e e ds , an d t hi s a g re em en t i s a s e c u ri t y a g re em en t u nd e r s ai d l eg i s l at i o n a n d w e a r e e nt i t l ed t o al l
rem e di es t h at i t p r ov i d es up o n yo u r de f a ul t . O u r s e c u ri t y i nt e re s t or c h a rg e c o nt i n u es u nt i l s uc h m e rc h an di s e i s p ai d f o r i n f u l l b y
ap pl i c at i o n of yo u r p a ym e nt i n t he m a n ne r d es c r i b e d i n t hi s A g re em en t . Yo u m a y be r e qu i r e d t o pr o v i d e u s w i t h a dd i t i o nal s ec ur i t y a n d/ o r
t o c au s e an o t h e r e xi s t i n g s e c uri t y h ol de r t o po s t p on e t he pri o ri t y o f t ha t s e c u ri t y t o us .
P R O P E R T Y I N S U R A N C E . W hi l e ou r s ec ur i t y i n t e r es t i n t h e m e r c h a ndi s e c o n t i n u es , yo u m us t m ai n t ai n al l - ri s k p h ys i c al dam a ge i ns u r an c e
on e ac h m e rc h an di s e i t em o f w hi c h $5 , 0 0 0 o r m or e i s f i na n c e d t hr o u gh yo u r C H S C a n ad a L P an d / o r C H S C an a d a LP Fi n a nc e A c c o u nt .
Y o u m a y ob t ai n s uc h c o v e r ag e f r om an y s o ur c e an d i t i s no t av ai l a bl e f rom o r t h r ou g h us . Y ou wi l l n am e C H S C a na d a LP as a l os s pa ye e
of t h e i n s ur a nc e w hi c h i s e nt i t l ed t o at l e as t t e n (1 0 ) d a ys a dv an c e n ot i c e of i t s c a nc el l a t i o n , an d at ou r r e qu e s t yo u w i l l p ro v i d e e v i d e nc e
t h e re of . Y o u as s i gn an d di r ec t t h e i n s u r er t o p a y u s t h e p r oc e ed s of s uc h i n s ur a nc e. Yo u a ut ho ri z e us t o m ak e an d s et t l e c l ai m s , an d t o
en d or s e i n yo u r n am e( s ) an d ap pl y a n y i ns t r um e n t f o r s uc h pr oc ee d s t o t h e u np ai d p u rc h as e p ri c e o f t he i t em , at ou r op t i on , t o i t s
re s t o ra t i on , r et u rni n g a n y e x c es s t o yo u
D E F A U L T. Yo u w i l l b e i n d e f a ul t i f : ( a ) yo u f ai l t o p a y t he Mi n i m um R eq ui r ed P a ym e nt w i t hi n 10 d a ys a f t e r t h e P a ym en t D u e D a t e ; ( b ) t h e
v al u e of ou r s ec u ri t y i n t e r es t i n an y c ol l a t e r al i s m a t e ri al l y i m p ai re d; (c ) i n ou r o pi ni on , yo u r a bi l i t y t o r e pa y i s m a t e ri al l y r ed uc e d b y yo u
e x c e e di ng yo u r c r ed i t l i m i t ( s ) , b y a c ha n ge i n yo u r em pl o y m en t , b y a n i n c r e as e i n yo u r obl i g at i o ns , b y ba nk r u pt c y o r i ns ol v e nc y
pr oc e e di n g s i n v ol v i n g yo u , b y t he i n s t i t u t i o n o f g a r n i s hm e nt , a t t ac hm e nt o r e x e c ut i o n p r oc ee d i n gs ag ai ns t yo u o r yo u r p ro p e rt y, b y yo u r
de a t h o r i n c ap ac i t y o r ( f or c om m uni t y p ro p er t y p ro v i nc e r e s i d e nt o nl y) b y a c ha n ge i n yo u r m ar i t al s t a t us or d om i c i l e ; ( d ) yo u pr ov i d e d u s
f al s e or m i s l e a di ng i nf o rm a t i o n re l a t i ng t o yo u r c re di t a pp l i c at i on or yo u r C H S C a n ad a L P an d / o r C H S C a na d a LP F i n a nc e A c c o u nt ; or (e )
yo u f ai l t o p er f o rm an y ot h er o f yo u r o bl i g at i o ns u n de r t h e t e rm s o f t hi s A gr e em e n t a s i t m a y b e am e n de d or a n y o t he r ag r e em e n t be t w e en
yo u a nd u s . U po n d e f a ul t , w e m a y i m m e di at el y c l os e yo u r C H S C an a da L P an d / o r C H S C an a da L P Fi na n c e A c c o u nt t o f u t u r e pu r c h as es
an d t o t he e x t en t no t pr o hi bi t ed b y l a w , d em an d i m m ed i a t e p a ym e n t o f yo u r e nt i r e C H S C a na d a LP an d / o r C H S C a n ad a LP Fi na nc e
A c c ou n t B al a nc e (s ), a f t e r gi v i n g yo u an y n ot i c e a nd o pp o rt un i t y t o c ur e t h e d ef au l t re q ui r e d b y ap pl i c a bl e l a w . In ad di t i on w e s h al l h a v e
al l t he r i g h t s of a s e c u r ed c re di t o r u nd e r ap pl i c ab l e l a w, a n d s h al l b e e nt i t l e d t o c ol l ec t a d ef a ul t c h ar g e (p r es e nt l y $5 0 0. 0 0) w he r e
al l o w e d b y l a w.
D E L A Y I N E N F O R C E M E N T. W e c an d el a y e n f o r c i n g o u r ri gh t s un d er t hi s A g re em en t w i t h ou t l o s i n g t hem .
R E T U R N E D P A YM E N T FE E . If yo u s en d u s a c he q ue t h at i s di s h on o ur e d, w e wi l l a dd t o yo ur C H S C an a da LP a nd / or C H S C a na d a LP
Fi na n c e A c c o u nt a f e e of $5 0.
C O L LE C T I O N C O S T S . I f w e h a v e t o r e f e r c ol l ec t i on of yo u r C H S C a n ad a LP a n d/ or C H S C a n ad a LP F i n a nc e A c c o u nt B al an c e t o a l a w ye r,
yo u w i l l b e r eq ui r ed t o p a y t o us t h e l a w ye r’ s f e es ( o n a s ol i c i t o r an d c l i e nt b as i s ) pl u s c o ur t c o s t s an d r el at e d f e es i nc l u di ng a n y
ba nk r u pt c y f e e s an d c os t s , t o t he e xt e nt n o t l i m i t ed or p r oh i b i t ed b y a p pl i c a bl e l a w .
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M O N TH L Y S T A TE M E N T
U nl es s ot h er w i s e r e qui r ed b y l a w , w e w i l l s en d yo u a m o nt hl y s t at em en t w h e ne v e r t he r e i s a c t i v i t y on yo u r C H S C a na d a LP a nd / or C H S
C a na d a L P Fi n an c e A c c o u nt . W e wi l l b i l l yo u o n t he m on t hl y s t a t em e nt f o r a l l am o un t s yo u o w e. Y o ur m on t h l y s t a t em e nt w i l l s ho w yo u r
s t at em e nt pe ri o d, N e w B al an c e, a n y Fi n an c e C h a rg es , t he Mi ni m um R e qu i r e d P a ym e nt , t he P a ym e nt D ue D a t e , yo u r a v ai l a bl e c re di t
l i m i t (s ), p a ym e nt s a n d c r e di t s , an d a n y c ha r ge s ap pl i e d i n a c c or d an c e wi t h t hi s A g re em e n t , a s w el l a s ot he r i n f orm at i o n c o n c e rn i n g yo u r
C H S C a na d a L P a n d/ o r C H S C a na d a LP Fi n a nc e A c c ou n t a s r eq ui r ed b y l a w . S u bj ec t t o ap pl i c ab l e l a w , w e w i l l s e n d y ou r m on t h l y
s t at em e nt on da t e s a nd i n i n t e r v al s d et erm i n e d b y u s . S uc h s t a t em en t s h al l b e de em ed c o rr ec t an d ac c e p t e d b y yo u u nl es s w e ar e no t i f i ed
t o t h e c o nt r ar y i n w ri t i ng w i t hi n 60 d a ys of ou r m ai l i n g s uc h s t at em e n t . Y o u a r e re s p o ns i bl e f or n ot i f yi n g us of a n y c h a n ge i n yo u r bi l l i ng
ad d re s s . If yo u t h i nk yo u r m on t hl y s t a t em e nt i s i nc o rr e c t w ri t e t o u s o n a s e p a ra t e s h e et a t t he ad dr es s s ho w n on t h e b ac k of yo u r m on t h l y
s t at em e nt no l at e r t h a n 6 0 d a ys af t e r w e s e nt yo u t h e f i rs t s t at em e nt on w hi c h t h e e rr o r o r p ro bl em ap p ea r e d. P l ea s e de s c ri b e t h e e r ro r a s
be s t yo u c a n a n d i n c l ud e yo u r C H S C a n ad a L P a nd / o r C H S C a na d a LP Fi na n c e A c c ou nt n um b e r i n a l l c or r es po n d en c e . E ac h m o nt hl y
s t at em e nt wi l l o t h e r wi s e b e d e e m ed t o b e c o nc l u s i v el y ac c e p t e d b y yo u as c or r ec t e x c e pt as t o t h e am ou n t i m pr o p erl y c r e di t e d
M E R C H A N T C H A R G E B A C K S . W e m a y c h ar g e b ac k t o a m er c ha n t w ho s ol d go o ds or s e r v i c e s t o yo u on yo u r C H S C an a da L P an d / o r C H S
C a na d a LP F i n a nc e A c c o un t , an y p ar t of yo u r A c c o u nt B a l an c e re l a t e d t o t h os e p u rc ha s es . I n t ha t ev e nt , o ur r i g ht (s ) u n de r t h i s
A g re em e n t wi l l h e de em ed as s i gn e d t o t h e m e rc h an t t o t h e e xt en t of t h e c h ar g eb a c k . Yo u ag r ee t o s uc h a n as s i gnm en t an d f ur t he r ag r ee
t o p a y t h e m er c ha nt t h e am o u nt o f s u c h c h ar g eb ac k i n a c c o rd a nc e w i t h t he t e rm s of t hi s A g re e m en t .
C H A N G I N G TH I S A G R E E M E N T . W e m a y c h an g e t h i s A g r eem e nt , i nc l u di n g t h e Fi n a nc e C h a rg e C al c ul a t i o n an d t he A P R , a t a n y t i m e u po n
no t i c e t o yo u at yo u r l as t ad d re s s s ho w n i n o ur re c o r ds . T hi s n ot i c e m a y b e c on t ai n e d i n yo u r m on t h l y s t a t em e nt o r s uc h ot h e r f o rm a s we
m a y d et e rm i n e . T o t h e e x t e nt t h at t h e l a w pe rm i t s , t h e c h a ng es wi l l ap pl y t o yo u r e xi s t i n g C H S C an a da LP a nd / o r C H S C a n ad a LP F i n a nc e
A c c ou n t ba l a nc e a s w el l as t o f ut u re t r an s a c t i o ns .
S E R V I C E FE E S . W e m a y a d d t o yo u r C H S C a na d a L P a n d/ or C H S C a na d a L P F i n a nc e A c c o u nt a r e as o na bl e c h ar g e f o r p h ot oc o pi e s a n d
re p ri nt s of ac c o u nt a n d t r an s a c t i on d o c um en t s w hi c h yo u m a y r e qu e s t a nd f or o t he r s p ec i a l s e rv i c es . W e m a y a s s es s a c ha r ge n o t t o
e x c e e d $2 5 p e r ho u r, o r f o r a n y p or t i o n t h er e of , f o r r es e ar c h p er f orm ed on yo u r C H S C a na d a LP a nd / o r C H S C a na d a LP Fi n a nc e A c c o un t
at yo u r r e qu es t , w h e t h e r p e rf o r m ed b y us o r o u r s e rv i c e p ro v i d er . A n y s u c h c h a rg e s wi l l b e s u bj ec t t o F i n a nc e C h ar g es i n ac c o r d an c e wi t h
t hi s A g re em en t .
C L O S I N G YO U R A C C O U N T. Y o u m a y c l o s e yo u r C H S C a na d a LP an d/ o r C H S C a na d a LP Fi na nc e A c c ou nt a t a n y t i m e b y n ot i f yi n g u s i n
w ri t i ng . W e m a y c l os e o r s us pe nd yo u r C H S C a na d a L P a n d/ or C H S C a na d a L P Fi n a nc e A c c o un t t o f u t u r e p u rc h as es at a n y t i m e w i t h ou t
pr i o r no t i c e . W e m a y c l o s e o r s us p en d yo u r C H S C an a d a L P a nd / or C H S C a n a da LP Fi n a nc e A c c ou n t t o f u t u r e p u rc h as es i f yo u r a c c o un t
ha s n o ac t i v i t y f or 2 or m o r e m on t hs . R e ga r dl es s o f t h e c l os i n g or s us p en s i on of yo u r C H S C an a da LP an d / o r C H S C an a d a LP Fi n an c e
A c c ou n t , yo u r em ai n re s p o ns i bl e f o r p a yi n g t h e am o un t yo u o w e us a c c o rd i n g t o t h e t e rm s of t hi s A gr e em e nt .
C R E D I T R E P O R TS . W e m a y r e po r t yo u r pe rf o rm a nc e u n de r t h i s A g re em en t t o c re di t r ep o rt i n g a ge nc i e s an d o t h e rs w ho r e q ue s t a c r ed i t
re f er e nc e f rom u s ; yo u a re h er eb y n ot i f i e d t h a t a n e ga t i v e c r ed i t r e po r t r ef l ec t i n g o n yo u r C r ed i t R e po rt m a y b e s u bm i t t e d t o a c re di t
re p or t i n g A ge n c y i f yo u f ai l t o f ul f i l l yo u r c re di t o bl i ga t i on s t o us . W e m a y as k c r edi t r ep o rt i ng a g e nc i es o r ot h e rs yo u l i s t as a c re di t
re f er e nc e f or c o ns um er r ep o rt s o r i n f orm at i o n r e ga r di ng yo ur c r e di t hi s t or y a t a n y t i m e f or al l l e gi t i m a t e p ur p os es , i n c l u di ng c r e di t
de c i s i o ns a n d t h e re v i e w a nd c ol l ec t i on o f yo u r C H S C an a d a L P a nd / or C H S C an a d a L P Fi na n c e A c c o un t . Yo u a ut h ori z e C H S C a n ad a LP
an d i t s a f f i l i at es t o c ol l ec t , u s e an d di s c l os e , a n y o f yo u r p e rs o na l i nf o rm a t i o n (" I n f o rm at i o n" ) f rom t i m e t o t i m e f or t he f ol l o w i ng p u rp os e s
(" P u r p os es " ): t o (a ) as s e s s yo ur c re di t w o rt hi n es s , ( b) e x t en d c r ed i t t o yo u , (c ) s er v i c e a n d c ol l e c t yo u r C H S C a n ad a LP a nd / or C H S
C a na d a LP Fi n an c e ac c o u nt , ( d ) c om pl y w i t h ap pl i c abl e l a w , ( e ) e s t ab l i s h yo u r el i gi bi l i t y f o r s pe c i al o f f e rs a n d di s c o un t s , ( f ) i d en t i f y yo u r
pr e f e r en c e s f o r g oo ds a n d s e r v i c es , an d ( g) p r om o t e a n d m ark e t a dd i t i o nal g o o ds a nd s e rv i c e s t h at w e, o u r a f f i l i at es o r ot he r w e l l
es t a bl i s he d c om pa ni es o f f e r, i n c l u di n g b y m ea ns o f di re c t m a r k et i n g . P l e as e c al l u s at 5 87 - 75 5- 2 00 0 i f yo u d o n o t c o ns en t t o i t em s (e ) (f )
or (g ). Y ou r a bi l i t y t o r ec ei v e c r ed i t f rom u s w i l l n o t be af f e c t ed i f yo u do n o t s o c on s en t .
Y o u un d e rs t a nd t h at C H S C a n a da LP a nd i t s a f f i l i a t es : (1 ) m a y di s c l os e c e rt ai n o f t h e I nf o rm at i o n t o de al e r m er c h a nt s , c r ed i t - r ep o rt i n g
ag e nc i e s , c r e di t b ur e au s , T hi r d P a rt y s er v i c e p ro v i de rs , as s i g ns a nd o t h e r, w i t h w h om C H S C a na d a LP or a n y of , i t s af f i l i at es d oe s or
pr o po s es t o d o bu s i ne s s , w ho s e g o o ds or s er v i c e s w e bel i e v e yo u m a y f i n d i n t e r es t i n g o r u s ef ul , ( 2 ) wi l l m ak e t h es e d i s c l o s u re s f o r t h e
P u rp os es a b ov e a nd t o m ai nt ai n t h e i n t e g ri t y of t he c r edi t -g r a nt i n g pr o c e s s , an d ( 3) m a y c ol l ec t pe rs o na l i nf o rm a t i on a b o ut yo u f r om yo u r
f i n a nc i al i ns t i t ut i o n , c r e di t re p o rt i n g a ge n c i e s o r c r e di t b ur e au s an d o t he rs wi t h wh om yo u d o bu s i ne s s f r om t i m e t o t i m e f or t he P u rp os es
ab o v e . Y o u a ut ho ri z e t h es e p er s o ns t o p ro v i de s uc h i n f orm at i o n t o u s .
Y o u c a n wi t h d ra w yo u r c on s en t t o o u r c o l l e c t i o n, us e o r di s c l o s u re of I n f o rm a t i o n f o r t he P u rp os es ab ov e b y w r i t i n g t o us at C H S C an a da
LP 1 0 2 – 77 7 7 1 0t h S t N E , C al ga r y, A B T 2E 8 X2 o r b y c al l i n g us a t 5 8 7- 7 55 - 20 0 0 . I f yo u d o, w e m a y n o l o n ge r b e abl e t o o f f er yo u t he
c r ed i t yo u re q ue s t . W e m a y us e i n f orm at i o n i n o u r r ec or ds f o r s o l o ng as i t i s n e ed e d f o r t he P ur p os es a n d yo u r c o ns e nt r em a i n u nt i l af t e r
t e rm i na t i on o f o ur re l a t i on s h i p w i t h yo u.
O TH E R S E R V I C E S . T h i r d p a rt i es m a y of f e r a d di t i o n al f e a t u r e s , s e r v i c es an d e nh a nc em en t s re l a t e d t o yo u r C H S C an a d a L P a n d/ o r C H S
C a na d a LP Fi na nc e A c c o un t . Y ou a c k no w l ed g e t h at w e a re n o t l i ab l e f o r t h os e f e at u re s , s er v i c e s o r e nh a nc em e nt s an d t h at t h e y a re t he
s ol e r es p on s i bi l i t y o f s u c h t hi r d pa r t i e s .
E LE C T R O N I C D I S C LO S U R E S . Y o u ag r e e t h at an y n ot i c e s , s t at em e n t s a n d/ or di s c l os ur e s re l at e d t o yo u r C H S C an a da LP an d / o r C H S
C a na d a LP Fi n an c e A c c ou n t m a y be d el i v e re d t o yo u i n p ri nt e d f o rm o r b y el ec t r o ni c m ea ns i f y ou pr o v i d e an el e c t r on i c m ai l a dd r es s t o us
w h en yo u a p pl y f o r yo u r C H S C a na d a LP an d/ o r C H S C a na d a L P Fi na nc e A c c o un t o r at a l at e r d at e . U nt i l w e re c e i v e no t i c e of a n e w
el ec t r o ni c m ai l ad d re s s , w e m a y c on t i nu e t o s e n d s u c h n ot i c e s t a t em en t s a n d/ o r di s c l os u r es t o t h e el ec t ro ni c m a i l a dd r es s yo u m os t
re c e n t l y p r ov i d e d t o u s .
G O V E R N I N G L AW . T h e i nt e rp r e t a t i on of t h i s A g re em en t wi l l b e go v er n ed b y A l b e rt a l a w . T hi s i s t he e nt i r e A g r e em e nt b et w e e n yo u a n d us
an d no o ral c h a ng e s c a n be m ad e . I nv al i di t y o f a n y p ro v i s i o n of t hi s A g r eem e nt s h al l no t a f f ec t t h e v al i di t y a nd en f or c e a bi l i t y of t h e
rem ai n de r o f i t s t erm s . T hi s A g r eem e nt m a y no t b e as s i gn e d b y yo u .
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