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Language (Quebec residents only /Résidents du Québec seulement):  You acknowledge that the French and English versions of this Agreement were remitted to you. You expressly request and agree to be bound exclusively by the English version of this Agreement and that all related documents, including any notices, be drafted in English only. Vous reconnaissez que les versions françaises et anglaises de cette convention vous ont été remises. Vous demandez expressément et acceptez d’être lié exclusivement par la version anglaise de cette convention et que tous les documents qui s’y rattachent, y compris les avis, soient rédigés en anglais seulement.

The Bank reserves the right to waive any fees or charges at its discretion.
Tangerine is a registered trademark of the Bank of Nova Scotia, used under licence. Forward Banking is a registered trademark of Tangerine Bank. Scotiabank® is a registered trademark of the Bank of Nova Scotia. Interac® is a trademark of Interac Inc. Tangerine Bank is an authorized user of the trademark. All fees will be charged in the currency of the Account. For example, US Dollar Accounts will be charged a fee in US currency.
¹ You acknowledge and agree that you are responsible for any charges incurred if debits can’t be processed due to insufficient funds, rejected Pre-Authorized Debits or any other reason for which you may be held accountable.
² Tangerine will waive the ABM Withdrawal Fee and Global ATM Alliance members will waive any surcharge fees for withdrawal transactions performed at a Scotiabank or Global ATM Alliance machine with your Tangerine Client Card. All other Account fees, including the Foreign Currency Conversion Fee, continue to apply. ‘Free access’ does not apply to Scotiabank ABMs in China, Colombia, Costa Rica, Guyana, Haiti, Malaysia, Netherlands Antilles, Panama, Thailand, Uruguay or Venezuela. Use our ABM Locator to find an eligible machine near you.
³ A $5 fee is applied on the day you go into overdraft if the balance remains overdrawn at 11:59 pm ET on that calendar day. Thereafter, if your Account remains overdrawn, a $5 fee will be applied on the first calendar day of the following month and on each subsequent month until the Account balance is returned to zero.
⁴ Interest payable on overdrawn balances is calculated daily on the closing overdrawn balance at 19.00% per annum. This interest is charged to your Account monthly.
⁵ Dormancy starts on the date when it has been 2 years since you last logged in or accessed your Account. This date is considered your dormancy date. A fee will be deducted per Account annually starting on the day after your dormancy date and continuing every 12 months for 7 years if your Account remains dormant. You have until 11:59 pm ET each year on the anniversary of your dormancy date to reactivate your Account and prevent the fee. If your Account balance is less than or equal to the Dormancy Fee, we reserve the right to close the Account when we deduct the fee.
⁶ Paper statements are typically sent quarterly for active Accounts. If you have questions about the statement frequency or fees, please contact us. You can choose the Account that the Paper Statement Fee is taken from. If you haven’t chosen an Account, we’ll deduct the fee from your oldest Savings Account first. If at the time we issue you a paper statement, you have no funds available in the Savings Account to cover the paper statement fee, we’ll update your Savings Account statement preference to electronic. You’ll immediately begin to receive your Savings Account statements electronically. This switch won’t impact your current statement preference for any other Account types or any other communication preferences.
⁷ Full terms and conditions are outlined in the Account Terms and Client Card Cardholder Agreement available to you on our website at tangerine.ca.