CARDHOLDER AGREEMENT

Terms and Conditions for Your PlasticNow™ MasterCard® Card

This document constitutes the agreement ("Agreement") outlining the terms and conditions under which a PlasticNow™ MasterCard® Card has been acquired by or issued to you. By acquiring or accepting and using the Card, you agree to be bound by the terms and conditions contained in this Agreement. In this Agreement, "Card" means the PlasticNow™ Prepaid MasterCard® Card issued or acquired by you. "You" and "your" means the person or persons who have received the Card and are authorized to use the Card as provided for in this Agreement. "We," us," and "our" mean Mint Inc., our successors, affiliates or assignees. "Card Account" means the records we maintain to account for the value of claims associated with the Card. You acknowledge and agree that the value available on the card is limited to the funds that you have loaded onto the Card, or have been loaded onto the Card on your behalf. The expiration date of this Card will be indicated on the Card. The value available is recorded in your Card Account and will decrease each time you use the Card to make a purchase or cash withdrawal. You agree to sign the back of the MasterCard® Card immediately upon receipt. The Card is owned and issued by People's Trust pursuant to license by MasterCard International. Services in administering the Card are provided by Mint Inc. The Card will remain the property of People's Trust and must be surrendered upon demand. The Card is nontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice subject to applicable law. Please read this Agreement carefully and keep it for future reference.

You may use the Card to make purchases wherever MasterCard® is accepted. The Card does have a Personal Identification Number ("PIN") and can be used to obtain cash at ATMs displaying Cirrus®.

The Card will be valid and usable until either all the purchased monetary value is used or the expiration date of the card, whichever occurs first. The PlasticNow™ Card has an expiry date one year from the date of issuance. The Card is re-loadable at any time through:

Funds loaded to the Card may be available within approximately 3 business days after the load is initiated. Some forms of loading result in a substantially faster balance availability, such as card-to-card transfer, than others such as online banking. You may not load to more than $2000 balance on the card. The maximum and minimum load amounts at a PlasticNow™ Card Load Centre are $350. and $5. respectively. All other load methods have maximum and minimum load amounts of $500 and $10 respectively. The maximum allowable for POS purchases is $1100 per day and the maximum amount allowable for cash withdrawals from ATMs is $325 per day (combined ATM and POS daily limit is $1100). The number of POS purchases and ATM cash withdrawals are 10 and 5 respectively. YOU ARE NOT ALLOWED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD.

When You use the Card, the amount of the purchase and/or transaction plus any applicable fees for the transaction will be deducted from the unused monetary value. If the amount of value available is not sufficient to complete the transaction or purchase and pay any fees, the transaction may be denied. If You know this, we suggest You tell the merchant that You want to do a "Split Tender Transaction". In other words, use what's left on Your Card and pay the balance with another form of payment. (If the amount of value available is not sufficient to complete the purchase or transaction and pay any fees, a merchant may not accept combining the Card with another form of payment and You may not be able to complete the transaction). Any spending overdraft may be immediately repaid to the Issuer and/or our co-brand partners from the next load of funds. If You are entitled to a refund, You agree to accept credits to Your Card in place of cash.

You may obtain information about the unused monetary value on your PlasticNow™ Card by checking your online statement at www.myplasticnow.com or by calling toll free at 1-800-589-5033. Statement information is ONLY available online at www.myplasticnow.com and must be checked at least once per month. Paper statements will not be provided.

The Card is like cash. It may be used without a PIN to make purchases. However, a PIN is provided for Your use and protection for withdrawing cash from ATMs. You should not disclose Your PIN to anyone else. If You lose the Card, someone might be able to use all the remaining value. The zero dollar liability policy is a benefit to You as You will not be liable for any unauthorized transactions made with Your lost or stolen Card unless You have been grossly negligent or have engaged in fraud. The zero dollar liability does not apply to ATM transactions where a PIN is used.

If You lose Your Card and/or PIN, You may call us toll free at 1-800-589-5033. If You give us the name on the Card and the Card number, we will refund any remaining balance less our processing fee after we process all transactions completed before we have had an opportunity to act on Your information. You must exercise reasonable care in safeguarding the Card from risk of loss or theft. The replacement will not be made for 60 days after You report the Card lost or stolen to assure that all transactions have been processed properly.

In case of errors or questions about Your use of the Card, call us toll free at 1-800-589-5033 or go online at www.myplasticnow.com. If You think a receipt is wrong or if You need more information about a transaction, we must hear from You no later than 60 days after the receipt was issued on which the problem or error appeared.

If Your Card has expired with unused monetary value remaining, we will refund the unused value less any fees plus our processing fee, 12 months (6 months if card is used as a payroll card) from the later of the date of last value load or 30 days after expiry date. You must send us in writing the name of the Purchaser of the Card, Your mailing address, Your name and the Card number.

The Card represents a general liability to the issuing partner companies. The money paid by the You the Purchaser is not a deposit and does not establish a separate Individual deposit account. You will not receive interest on the Card account balance. The unused monetary value accessible by the Card, and Your rights regarding the use of the Card, are not insured by the Canadian Deposit Insurance Corporation, are not deposits of the Issuers, service providers, or Plastic Now Inc.; and are subject to normal risks. If You authorize or permit someone else to use the Card and/or PIN, You will be liable for any transactions made by that person.

We may disclose information to Plastic Now Inc.’s'* co-brand partner about You and Your Card. The Card is not a credit card and usage will not enhance or improve your credit rating.

PlasticNow™ MasterCard® Card Fee Schedule (subject to change)

Horizon Plus is an affiliate company of Peoples Trust. Peoples Trust is the principal member of MasterCard International. PlasticNow™ is a product of Plastic Now Inc.

It is solely your responsibility as an applicant cardholder to ensure you meet the terms and conditions of the PlasticNow™ Card program. You agree that the parties in the PlasticNow™ Card program bear no liability should you provide incorrect, incomplete, or information that does not meet the confirmation requirements of Peoples Trust or Mint Inc. Your registration form on the www.myplasticnow.com secure website may require you to provide details of a "government ID" for identity check purposes. The options for this ID will include, minimally, any one of: social insurance number; drivers license number; passport number and country; immigrant visa number; student ID number and school; citizenship certificate number. A bureau will complete a 'look up' to confirm that the address you have provided is a residential address and not a mail drop or other inappropriate location as solely determined in the opinion of Peoples Trust or Mint Inc. This is not a credit check and will not show on the bureau record for credit enquiries and will not affect any credit scoring process. For addresses or information that cannot be immediately confirmed, Peoples Trust or Mint Inc. may contact you for additional confirmation of information. Once identification details and the address verification has been confirmed in the sole opinion of Peoples Trust or Mint Inc., the card will be issued and sent to the address given. If you are declined, you will receive refund instructions.

Address Changes Should your address change you are required to notify us of that change. Notify us by calling customer service at 1-800-589-5033 or by email: info@myplasticnow.com