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Bracken's All-Time Football Team
When Head Coach Lloyd Fields was contemplating moving on after this football season, he wanted to meet with other former Coaches as well as The ReSporter to see what the consensus would be for naming an All-Bracken team.
The following were the results of that discussion with a note that the first two years was not represented by people who had actually seen those players in person.
There were a few holdovers from that first club in 2006 but the majority of players on the 2006 team might have a different group that might not have been recognized.
So, with out any delay The ReSporter will name the top 6 players voted on and then expand that list by putting a player for each position on the field which would spread more mayonnaise on your sandwich.
Top Six Bracken Players from 2006-14 seasons. 1. Eli Achilles 2. Grady Achilles 3. RJ Braune 4. Marty Cruz 5. Austin Wilkinson 6. Noah Boriack Offensive Team Defensive Team Center: Davis Scott Defensive End: Grant Granato Guard: John Colby Defensive End: Stephen Burbank Tight End: Jeff Camp X-Backer: Austin Wilkinson Quarterback: Eli Achilles Linebacker: Gabe Cruz RB: Grady Achilles Linebacker: Joe Lonigro RB: Marty Cruz LB/Defensive Back: Eli Achilles Fullback: Erin Jacobson Defensive Back: RJ Braun Utility Back: Preston Koch Defensive Back: Coy Zunker Spread Back: Noah Boriack Punter: Kevin Knapkick WideReceiver: RJ Braun Special Team: Sam Hilgendorf Place Kicker: Ty Sanders
The ReSporter will comment on the top six players but will let you know that Marty Cruz and RJ Braun had left before the stats had been compiled by this publication.
Eli Achilles was a no brainer. This young man was a man among boys when he was on the field and it did not matter if that was defense or offense.
Here are a few defensive stats for Eli:
Career: 620 tackles….the next closest? Grant Granato with 342
Season: 206 tackles during the 2010 season which would rank 7th on the all-time tackle list.
Career Interceptions: 28 which is 51% of all interceptions using every Bracken player that has played combined.
Season Interceptions: 12 during his senior season in 2012. Next closest? 9 by Eli Achilles in 2010.
Here are a few offensive stats for Eli:
Yardage: Ranks first with a one game total of 452 yards against Gustine.
Average Run in a game: 27.7 yards in game with Sugar Land Logos
Longest Run: 78 yards tied with Grady Achilles.
Rushing Yards for Season: Second with 2,646 during his senior season.
Rushing Career: Second with 3,537 yards.
Passing: First, finishing with 3252 yards
Touchdowns passing: First with 52
Interceptions: First with 13 (The ReSporter wanted to humble Eli just a little)
Scoring: Second with 521 points
Game: 10 Touchdowns in game with Gustine
Ok, The ReSporter, thinks you might get the idea of why this young man was voted as the best on this list. If you think this is not enough evidence then get in touch with The ReSporter and more numbers can be added to the list above.
Grady Achilles was second on the list and certainly could of had more numbers on the defensive side of the
ball, but with deep teams during his tenure at BCS, this speedster could be saved for offense for much of his time.
Offensive stats for Grady:
Career Rushing: 7,988 yards with his last year being in 2011.
Season Rushing: 2,940 during the 2010 season. Three of the top four years are with Grady's rushing.
Scoring: 164 rushing touchdowns
100 yards or more: 32 games
Scoring: 1112 points
Receiving: Grady totaled 25 receptions and scored on 13 of those catches.
For the 2010 Year: Grady Achilles scored 62 Rushing Touchdowns and averaged 29.3 yards per Touchdowns.
14 Touchdown runs were from 50 yards or longer.
Grady rushed for 1817 yards on his 62 scores.
Defensive Stats:
Career: Finished with 222 tackles for 5th on the all-time Bracken list as a part timer.
Interceptions: Tied for 3rd with two other BCS players at 6 career thefts.
For RJ Braune and Marty Cruz, The ReSporter just does not have a whole lot of numbers for those two players.
One stat line for Braune was during his 2008 season when he had his best year receiving and a Warrior record with 1067 yards on 40 receptions and 17 touchdowns. Jeff Camp only missed that record, needing 24 yards to eclipse those yards.
Austin Wilkinson also is noted for being on a Warrior roster for one year, but Wilkinson had an outstanding year on both sides of the ball.
Defensively, Wilkinson finished with 108 tackles for his one year stint and offensively, this speedster had 386 yards with a BCS record of 16.8 yards per touch. While adding 185 yards receiving on just eight catches.
The ReSporter still remembers his one play of jumping over a blocker to get to the quarterback during one playoff game, he was a never give up player until hearing a whistle to stop play.
Noah Boriack was recognized as the sixth player on that all-time list.
Boriack finished his career having some stellar numbers both rushing and passing.
In the passing annals, Boriack had three of the top for games in completions. He topped the list with 16 completions in Bracken's game with OLH this year.
Boriack finished with the top three passing yardage this year throwing for a Bracken record of 248 yards in his game with Cedar Park Summit. He finished ahead of Cody Blackmon in career passing finishing with 1671 yards and 26 touchdowns.
In rushing, Boriack had 61 touchdowns and finished third in rushing yardage (3,395) trailing the Achillies brothers. Boriack finished with 15 games rushing for more than 100 yards during his career with his game with New Braunfels Christian averaging 31 yards per carry on four rushes and 124 yards.
Boriack had a way of making opposing defensive players ducking to get out of the way as he had a way of having punishing runs.
Many of the players mentioned on the offense and defensive units had great seasons as Bracken continues to
put stellar athletes on the uncrowded field.
It was tough to make decisions on players like Tye Sanders vs. Kevin Knapick as place kickers as both could kick it out of the end zone as well as punt when needed to not disappoint.
"Fish (Grant Granato) and (Stephen) Burbank were perfect for each other during our Championship season playing defensive end," Coach Lloyd Fields said. "Burbank was very intelligent and he certainly deserved this recognition even though he played just one season."
This year's team had three players making this 'Team', as Jeff Camp set almost all the receiving records and Coy Zunker finished in the top ten in tackles with 257 and finishing fourth on the BCS tackle list.
Zunker finished tied for second with 7 interceptions with Kevin Knapick and Sam Hilgendorf.
Jeff Camp had the top five reception yardage this year as well as scoring seven touchdowns in his game with OLH. No other Warrior had more than two touchdowns receiving before this year's squad not only having Camp with two games but Cristian DeLeon who had three.
DeLeon was also mentioned for the offensive team, but just having one year as a freshman did not give him enough plays to work himself on the list above.
Lots of fun putting this list together and The ReSporter hopes you enjoy looking back as much as the Coaches did.
Go Warriors and Congratulations!!!


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GENEVA, N.Y. – Junior Brooke Lalone led Keuka College by finishing in 22nd place at the CCOC Championships, hosted by Hobart and William Smith Colleges.
As a team, Keuka College finished in 11th place at the race. Lalone ran the 5k in 21:13.5. Next to cross the finish line for Keuka was Mariah Sergent. She finished in 55th place with a time of 23:05.6. Jennifer Vigo came across 31 seconds later, finishing in 65th place. Rounding out the scoring for Keuka was Taylor Alexis and Lila Barbero. They finished in 88th and 97th place respectively.
Keuka College will return to action on Halloween in their final race of the fall. The Green and Gold will be running in the North Eastern Athletic Conference Championships. The race will be hosted by Cazenovia College.

subset: commoncrawl


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"One can never consent to creep when one feels an impulse to soar." - Helen Keller
Wednesday, April 1, 2009
Good Vibrations
A few weeks ago, I asked my geeky and brilliant son to invent a way for deaf people to play a piano and to 'hear' what they were playing. I suggested that he have each of the piano's 88 keys emit a slightly different vibration which could be felt by the person who was deaf. The piano music would sound like it always does to people who are listening, but to the Deaf person, the music could also be 'heard' in the form of the key vibrations.
He said he wasn't an inventor and then asked what was for dinner.
This week, however, news stories about two exciting technology advances for people who are deaf and blind appeared via my google alerts, and they both reminded me of the request I made to my son.
The first, Picking Up A Good Vibration, tells of researchers from MIT's Sensory Communication Group who are designing new tactile devices that convert sound waves into vibrations so users can 'feel' words. This project was inspired by Tadoma, a method used very infrequently for people who are deafblind, and the subject of my post titled, Can You Feel Me Now?.
The second article, titled "Researchers develop braille for vibrating touchscreen devices", talks about researchers in Finland who are working on a way to have a raised dot in a Braille cell emit a single intense vibration and missing dots to emit a longer, less intense vibration. That Braille cell could then be 'read' through touch, a touch screen on a computer for instance.
And all this is leading me back to my son tonight for some more talk about that piano!!
Posted by Ashley's Mom at 10:44 AM
Labels: blind, deaf, deafblind, technology
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Buy Links
Aedan News Letter winners was
You should have already gotten your book in the mail if you did not get it please contact Denise at firstname.lastname@example.com and let her know ,
She will have the tracking numbers
Kenton McCade was the doctor in the family. When found Emma in his office treating a badly infected wound on her leg, he had to help her. The infection had spread and she was near death.
Kenton and his brothers were dragon shifters born without the ability to shift into their other half. The magic, it seemed, lay dormant in a sleeping dragon that was tied to six pieces of jewelry. When the ring found its way to Emma, her touch had woken the sleeping beast. When Emma touched Kenton's sigil on his chest, he shifted to his beast for the first time. But the beast from the ring would not be complete until all the jewelry found its way to their rightful dragons….
Emma was still on the run…they need her to survive…but Emma trusted no one…
THE McCADE DRAGON SERIES –
1. Kenton – http://smarturl.it/kenton
2. Jorden – http://smarturl.it/jorden


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"Note to self: never vacation on an active volcano."-Crow, MST3K
High noon at the Wilder house in November. Note the alien ship from the planet "Sony" materializing in my front yard.
The picture above shows a bit of high-noon up here in the Great Land. As you can see, there's very little high about noon this time of year. In fact, the Sun is never very high in the sky during any portion of the year; sometimes it's just out all of the time. At high noon in the beginning of November, the Sun's rays stream horizontally through our windows into the house. Before long, the sun will be below our trees, and we won't see direct sunlight in our windows again until February. So, for two months, the days will be shorter than the amount of time that Terrell Owens will spend with his next team. We won't have any Sun-created shadows in the house. The reflected glow from our pale skin serves as our primary illumination during these months.
We're also getting ready for the time when the daily high temperature occurs essentially randomly. The Sun has surrendered its battle with the air coming down from the Arctic, much like the French Foreign Legion surrendered its battle with that quick, perky Roadrunner. The Sun's rays become so weak that they no longer warm up the air outside, and the major influence is wind movement from the north or from the south.
It's also this time of year when we stop hearing many stories about global warming, since it's a hard sell with newsfolk standing around in -45F temperatures attempting to convince people it's getting warmer. I can see that now . . .
News Babe (On Location In Alaska): "Yes, L-l-l-arry, it's –45F here, and w-w-well it was –43F here last w-w-w-winter on this day. S-s-s-o you see it's g-g-g-getting warmer up here in Fairbanks."
Larry (In Studio): "Ummm, isn't that colder than it was last year?"
News Babe: "E-e-exactly as s-s-some predict, it's getting colder, which shows that it's getting w-w-warmer."
Larry: "So what's the forecast like now?"
News Babe: "W-w-we're predicting a hurricano."
Larry: "A hurricano?"
News Babe: "Yes, L-l-larry, a combination of hurricane and volcano."
Larry: "Did you just make that up?"
News Babe: "Y-y-yes."
Larry: "Umm, shouldn't you be wearing a coat?"
News Babe: "M-m-my contract prohibits that. It says I have to w-w-wear a sheer silk blouse no matter the outside conditions."
I do know that Leonardo DiCaprio is very, very concerned. He's like the poster-actor for, I guess, Concerned Hollywood Actors About Scientific Thingys. He's got the Global Warming Committee. Thank Heavens we have him, since I know his intensive acting training has prepared him to understand the nuances of climatologic phenomena. If I were looking for a spokesactor on a complicated subject, well, who better to pick than DiCaprio? For global warming, he's a natural: he had intense training with ice-related issues in filming of Titanic. I don't mean to spoil it for you, if you are one of the three people (including The Mrs. and I) that never saw Titanic, but in the movie the ship hits an iceberg. That almost never happens anymore, so, that's another sure sign of global warming. And, in what I'm sure is his biggest qualification, Leonardo cares.
But, caring won't stop the Sun as it dips lower and lower in the southern sky, with correspondingly fewer hours of daylight. It does tend to make you sleepier in winter, since we still react like the big mammals we are to the amount of ambient light that's available.
Pretty soon it's 6PM, and you yawn and say, "Isn't it time to go to bed?" And not for the fun stuff, but to sleep.
Some people buy "anti-depression" lights that they stare into for an hour or so a day to deal with the omnipresent darkness. The Mrs. and I buy "anti-depression" beer. It seems to work okay, and it doesn't use any electricity. My brother worries about that, since he's part of some religious cult that doesn't drink (Christians). We're Christians, too, but we read the part of the Bible where Jesus was kicking back with his buddies having some wine. The reason Jesus was drinking wine? No beer.
One other thing that changes is that people become concerned. They stop when you have car problems. Last winter about this time, I stopped to see if I could help several people. In all cases, I was the third, fourth, or fifth person who had stopped to offer assistance. The cold does something good to people – it allows them to be their best, since we're all in this together.
So, if your city is as impersonal as an ATM machine, a 120 day cold snap might be just what you need. But, watch out for the News Babe. And the hurricano.


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Hemmingway Design © The 'death of the high street' is one of those ubiquitous phrases that has come to define the times we live in. In 2018 major high street staples like Marks and Spencer and Carphone Warehouse announced mass store closures, with town centres across the country reporting falling sales and decreased footfall. Blackburn is bucking the trend, and a ten-year regeneration plan that began with improvements to their bus station led to a 2016 award for 'High Street of the Year.' Since winning the award, the town centre has gone from strength to strength, with a string of new businesses opening and 250,000 extra visitors coming into the town centre. It coincided with the new 'Cathedral Quarter' which has transformed the way residents and visitors view the town. 'The award gave people a sense of focus and validation of what people in the town were … (To read the full article, subscribe below)
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The Fundamentals of Small Apartment Decorating That You Can Benefit From Beginning Today
If you're thinking about decorating your apartment in a simplistic way, choose to purchase 1 bookcase. Decorating a little apartment can be hard, but it's an enjoyable challenge. In every corner, you can set a thing that is likely to make your small apartment appears so good looking. It could be difficult to produce approaches to decorate a little apartment on an even smaller budget, but nevertheless, it can be carried out. You may use the advice above to find perfect small apartment.
Top Small Apartment Decorating Choices
Your apartment might be short on space, but it doesn't indicate it must be short on style. The key isn't to put too lots of things in the apartment. Small apartment is a must. As you might believe it's tough to decorate a little apartment, see how to live large in a little apartment tips here too! Simple methods to effectively decorate a little apartment for christmas updated if you reside in or more decorating ideas include.
Where to Find Small Apartment Decorating
When you're residing in a studio apartment, it is completely feasible to make it resemble a million bucks without costing too much. Whether you are in possession of a small or a huge apartment, make certain you select the proper color to paint the walls. Apartment Decorating Ideas in case you have just moved to another apartment with reduced dimensions, you can feel that decorating it will be an arduous undertaking.
Each apartment has a different layout and will wind up with odd spaces which are begging for the ideal furniture to fill it. Therefore, you will feel comfortable in your little apartment. As most tiny apartments have a tendency to be box-shaped, use your furniture to add a few curves back in.
Over time, your house will come together and it's going to be well worth the wait! Turn a massive windowsill into a workspace for when you must take business house for the evening. Just because your house is pint-sized that doesn't indicate you've got to live with pint-sized decor. To begin with, developing a comfy house in an apartment doesn't require an immense outlay of cash, particularly if you're moving from a home to an apartment, either in your town or halfway across the nation.
In planning the best method to use a space, it's vital to consider vertically in addition to horizontally. Just because you've got a scarcity of space in your residence or apartment, doesn't indicate you still can't secure festive for the holidays and decorate your space with some creativity and a small imagination. In the event you've got space, remember every little corner. 1 great thing about living in a little space is the fact that it takes less money to decorate. By simply decluttering you may make a little space appear larger. Because you live in a little space you may just require a sofa, arm chair and a couple end tables, says Rental Decorating" magazine. If you own a design tip associated with small spaces, don't hesitate to share it in the comments below.
When it has to do with small apartment decorating ideas on a budget, it's a bit difficult. Concentrate on the social region of the apartment decorating suggestions to make it appear more spacious. At length, hopefully some little apartment decorating ideas above will be helpful for you, particularly for you who need to decorate your small apartment. Studio apartment decorating ideas for a little space is necessary due to the limited area in the city. Studio apartment decorating ideas for a little space isn't difficult to do.


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Frankenstein (1910)
Despite the historical significance to the medium of his early work, one must be grateful that Thomas Alva Edison is better known for his work on the light bulb rather than that on the movie camera. Once thought to be "lost," as many silent films now are, his 1910 short of Frankenstein is indeed a fascinating bit of early cinema, but that doesn't change the fact that it isn't very good. The surviving copy (available for viewing below) is just over thirteen minutes in length, consisting of a handful of single take scenes that lay out the bare bones progression of a significantly condensed adaptation of Mary Shelley's literary masterwork. There are no dialogue cards, and were it not for the inter-titles dictating the specifics of what happens in each scene, it would be difficult for anyone unfamiliar with the story to decipher the proceedings. Much of the film is hampered by largely nonexistent artistry, more of an observation than a criticism; unlike Dr. Frankenstein's monster, the film is certainly a successful experiment. Of greatest interest here, though, is the short's centerpiece, an extended scene where Dr. Frankenstein (portrayed as something of an alchemist in this version) "creates" the monster (played by silent actor Charles Ogle, visible in makeup here). Like A Trip to the Moon's immortal shot of the man in the moon, this sequence features one of the great early special effects (simple by today's standards, but downright brilliant at the time) when the monster is "born" out of a vat of chemicals. In reality, a human-like figure was created out of synthetic material, burned, and the footage played in reverse, creating an eerie image of a bone and flesh accruing even as flames mysteriously engulf them. We might be able to create more wondrous images with today's computers, but this miniature time capsule, narratively deficient it may be, still tops the majority of them for pure creativity.
Feature: Horror Marathon 2006
Feature: Horror Marathon 2006


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Your Tangerine Credit Card Cardholder Agreement effective August 1, 2019
Tangerine Money-Back Rewards Program Terms & Conditions
Tangerine Credit Card Privacy Policy
Tangerine Money-Back Credit Card Certificate of Insurance
Tangerine World Mastercard® Certificate of Insurance
Certificate of Insurance for Tangerine Credit Card Balance Protection Insurance
This Agreement is between you and Tangerine Bank in connection with your Tangerine Credit Card, including any renewal or replacement Card(s) issued to you.
When you or any Authorized User signs, activates or uses the Card or the Credit Card Account for the first time, it means that you and the Authorized User(s) have received and read this Agreement, its accompanying Disclosure Statement, and any other Agreements related to the Card, such as the Tangerine Money-Back Rewards Program Terms and Conditions. Together, all of these documents form the Agreement between you and us. You agree to abide by all its Terms and Conditions. We may send amendments to or replacements of this Agreement from time to time, and these also form part of your ongoing Agreement with us. You agree that we may send the Agreement and any amendments or replacement to the Primary Cardholder. We recommend you keep copies of all of these with the original Agreement, and any amendments we may send to you, in a secure location. Up-to-date copies of all of these can also be found on our website at tangerine.ca.
This Agreement replaces any previous Cardholder Agreement we may have provided to you for the Credit Card Account.
Definitions: Here are definitions of some of the words used in this Agreement
"Agreement" means this Agreement, the Disclosure Statement, and any updates, amendments or replacements to these documents.
"Authorized User" means a person to whom a Card has been issued at the authorization of the Primary Cardholder.
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"Cardholder" is the person to whom a Card has been issued, including an Authorized User.
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You may use your Card to pay for Purchases and obtain Cash Advances in accordance with the Terms and Conditions provided for in this Agreement. As the Primary Cardholder, you are responsible for all Transactions made on the Credit Card Account, including those made by any Authorized User(s).
We have the right to block the use of any Card, prevent use of the Credit Card Account, prevent the addition of Authorized Users, or decline or refuse any Transaction for any reason at any time, including transactions connected to mobile and/or online gambling, without telling you in advance, including blocking the use of the Card or the Credit Card Account in countries that are subject to government sanctions. You agree not to use the Credit Card or the Credit Card Account for any Transaction which may be subject to sanctions under the United Nations Act, Special Economic Measures Act and/or Export and Import Permits Act.
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You can avoid interest charges on new Purchases by ensuring that we always receive payment of the Balance in full every month by the Payment Due Date. You will lose your interest-free status if we do not receive payment of your Balance in full by the Payment Due Date. This means that we will charge you interest on the new Purchases that appeared on that statement, accruing from the original Transaction date until the date it is paid in full. These interest charges will appear on your next monthly statement. We do not charge interest on top of interest or fees.
If interest is charged, we calculate it daily using the annual interest rate(s) as shown on your monthly statement. We calculate interest on any amount owed each month by multiplying the outstanding average daily balance (excluding fees and interest) by the applicable daily interest rate or rates (note that the applicable daily rate is the annual interest rate in effect divided by the number of days in the year), and adding together those interest charges for each day in that month. The total is the amount of interest we charge you on your monthly statement.
Interest rates are subject to change. Any change to the applicable annual interest rate(s) will be indicated on your statement and prior notice of that change will be provided to you as described in "Changes to this Agreement".
Interest on Cash Advances including Balance Transfers and Cash-Like Transactions: Interest is always charged on Cash Advances from and including the Transaction date of the Cash Advance until the Cash Advance is paid in full. When funds are transferred through a Balance Transfer, or a Cash-Like Transaction, we treat that Transaction as a Cash Advance. Note that we may set a Cash Advance limit on your Credit Card Account that is less than your Credit Limit. If we do not show a separate Cash Advance limit on the Disclosure Statement or monthly statement, it means the total Credit Limit is available for Cash Advances.
Balance Transfers: We treat a Balance Transfer as a Cash Advance. The annual interest rate that applies to Cash Advances applies to Balance Transfers, although we may, from time to time, offer a promotional interest rate on a Balance Transfer. If the Primary Cardholder accepts a promotional offer on a Balance Transfer, this Agreement will continue to apply to that Balance Transfer, in addition to any additional Terms we set out in the promotional offer.
Foreign Currency Transactions and Fees: We will bill you in Canadian currency for any amount incurred in a foreign currency on your Credit Card Account (including returns). We will convert foreign currency amounts into Canadian currency at the exchange rate set by Mastercard International Incorporated ("Mastercard") in effect on the date we post the Transaction to your Credit Card Account. This exchange rate may be different from the rate in effect on the Transaction date. When the amount is posted to your Credit Card Account, in addition to the exchange rate, you will be charged a foreign currency conversion fee for each converted amount. The foreign currency conversion fee is disclosed in your Disclosure Statement and applies to both debit and credit transactions. Any amount incurred in a foreign currency on your Credit Card Account may be converted into another currency (such as U.S. Dollars) before it is converted to Canadian Dollars and posted to your Credit Card Account. Credits to the Credit Card Account involving a foreign currency will also be converted directly to Canadian Dollars, or first to U.S. Dollars and then to Canadian Dollars, depending on the foreign currency as described above. Whether or not foreign currency will be converted directly to Canadian Dollars before being posted in your Credit Card Account is determined by Mastercard and is subject to change. If the Card is used for a Transaction in a foreign currency, and the Transaction is subsequently cancelled or refunded, the credit to the Credit Card Account will not be exactly the same as the original Transaction because we do not reverse the foreign currency conversion fee and the exchange rate may be different on the date when the cancelled or refunded Transaction is posted to your Credit Card Account. Once the credit has been processed, you will be required to pay any remaining balance of the Transaction resulting from an exchange rate differential.
The conversion rate shown on your Credit Card Statement includes Mastercard's exchange rate and the foreign currency conversion fee we charge you. The conversion rate shown only displays the first nine decimal places (following the decimal point), even though we use the more detailed calculation explained above to convert to Canadian dollars.
Promotional Interest Rates on Balance Transfers: On occasion, we may offer promotional interest rate(s) on Balance Transfers, Cash Advances, and/or new purchases. We will provide you with the specific Terms and Conditions that apply with the promotional offer. If you take advantage of the offer, it means that you agree to the terms of the promotional offer. Transactions made under a promotional offer are also subject to the terms of this Agreement.
Statements: We will provide a monthly statement to the Primary Cardholder if there has been any activity on the Credit Card Account during the last month, or if there is any outstanding Balance. Statements may not be provided on the same date in each month and therefore the Payment Due Date on your statement may not always be the same. Each statement normally covers between 28 and 33 days. We do not provide monthly statements if this Agreement or your Credit Card Account has been suspended or cancelled and we have demanded repayment of the outstanding Balance.
It is your responsibility to keep your address and contact information with us up-to-date. If your statement is returned to us because of an incorrect address, we will not send you any more statements to that address. In addition, we may suspend charging privileges for your Credit Card Account until you give us the correct address.
Past Statements: Printed copies of past monthly statements can be ordered from us for a fee as long as such statements are available.
Making Payments:You can make payments by telephone, by mail, through another financial institution, through a drop box at a Tangerine Café, or online. Depending on the method used, payments may take several days to reach us. It is your responsibility to choose a method of payment that results in our receipt of your payment by the Payment Due Date. It may take several days before your available credit reflects the payment you made. We do not accept cash payments, and payment must be in Canadian funds. While you must ensure that at least your Minimum Payment is received by us on or before the Due Date every month, you can pay your Balance in full or make a partial payment to your Credit Card Account at any time without penalty.
After Hours Payments: If we receive a payment after our normal business hours, that payment will be treated as having been received on the next business day.
Where Payment Falls on a Saturday, Sunday or Holiday: If your Payment Due Date falls on a Saturday, Sunday or statutory holiday in your province of residence, a payment we receive on the next business day will be treated as though we received it by the Payment Due Date.
Pre-Authorized Debit (PAD) Agreements: A PAD is an automatic monthly Credit Card payment, set up by you, to be withdrawn from a designated bank account on the Payment Due Date for either the current statement's Minimum Payment or the full Balance. To setup a PAD using your Tangerine Chequing Account or your Tangerine Savings Account, log in at tangerine.ca and go to 'Move money'. If you set up a PAD to make your Minimum Payment automatically every month, and you make a payment that is equal to or greater than that month's Minimum Payment before the PAD is withdrawn from your Account, the automatic PAD withdrawal will not be processed that month.
How We Apply Your Payments and Overpayments: We will apply your payments to your Account first to your Minimum Payment, in this order:
interest charged to your Credit Card Account;
fees charged to your Credit Card Account;
Transactions charged to your Credit Card Account, including any amount that exceeds your Credit Limit or any past due amounts;
In any of the above categories, those amounts with the lowest rate(s) of interest will be paid first before those amounts with the higher rate(s) of interest.
If you pay more than your Minimum Payment, we will apply that excess amount to the remaining Balance on your statement as follows:
first, all items that have the same interest rate(s) will be placed into the same category.
second, we apply the amount of the excess payment to the different interest rate categories in proportion to the remaining Balance. For example, if the amount of your Purchases represents 70% of your remaining Balance and the amount of your Cash Advance category represents 30% of your remaining Balance, we will apply 70% of your payment towards the Purchase category and 30% of your payment towards your Cash Advance category.
You must not pay more than the total Balance owing on your Credit Card Account, including both posted and pending Transactions. If you do, Tangerine may reject the overpayment and your Account may not be considered to be in good standing. In any event, if you pay more than the total Balance owing on your statement and we do not reject the overpayment, the excess amount will be applied to Transactions that have not yet appeared on your statement, using the same proportionate payment allocation described above.
Making payments when statement delivery is disrupted: During any delay or interruption in mail delivery, you agree to continue to make payments even if we are delayed in or prevented from sending your statement to you for any reason, including postal interruptions. You also agree to contact us or access your Credit Card Account online at least once a month to obtain the information required to meet your payment obligations under this Agreement, and to keep your Credit Card Account current and in good standing. To this end, you also agree that during periods of delay or interruption in mail delivery, we may send you your statement electronically to your online Inbox at tangerine.ca, and we may consider it to have been delivered to you on the day it is available to you online.
Credits to the Credit Card Account: If we owe you any amount on the Credit Card Account at any time we will not pay you interest on that amount. A credit Balance in the Credit Card Account will not increase your available credit or Credit Limit. We are not liable if you are, at any time for any reason, unable to access your Credit Card Account. We may issue a credit Balance refund to the Primary Cardholder from time to time.
Issues with Merchants: We are not responsible for any issues you may have with a merchant, including a merchant's refusal to accept your Card. You must first settle any disputes you may have directly with the merchant. You may then also contact us if you still have a dispute with that merchant. Any dispute that you have with a merchant does not affect your obligation to pay us the full Balance.
We may credit your Credit Card Account in the event of a dispute that you have with a merchant. The credit will be applied pending investigation into the dispute and we may reverse the credit at any time. You agree to co-operate with us by signing any documents we may require in connection with any investigation. We have no obligation to credit the Credit Card Account, and if we do credit the Credit Card Account, it will not be considered a precedent for crediting the Credit Card Account in the future.
Merchant Refunds: If a merchant provides a refund and we receive a credit voucher from the merchant, we will credit the Credit Card Account with the amount that has been refunded. However, if interest has been charged in the meantime as a result of the Transaction, we will not refund the interest charged.
Optional Products and Services: We are not responsible for optional products or services, including insurance provided by other companies that we may make available to Cardholders. You may not refuse to pay us any amount charged to the Credit Card Account for such products, services or coverages. These products, services and coverages are subject to the terms set by the companies providing them, and any disputes must be settled directly with those companies.
Card PIN: Your Card PIN is equivalent to your signature. It indicates the Cardholder's acceptance of Transactions completed on the Card. Each Cardholder must keep their Card PIN in strict confidence and away from their Card at all times. If you fail to do this, or if you select a Card PIN which in our view can be easily discovered, or if you keep the Card and Card PIN in a way that would enable an unauthorized person to use them together, you will be liable for all Transactions, charges, and debt (including interest and other charges) arising from the unauthorized use.
Pre-Authorized Bill Payments: You are responsible for all pre-authorized bill payments charged to your Credit Card Account, including those charged to the Credit Card Account by any Authorized User and those charged to the Credit Card Account after the authorization ends or the Card or Credit Card Account has been cancelled.
You must provide us with a copy of the written notice you sent to the merchant to cancel the pre-authorized bill payments, if we request it. It is your responsibility to contact a merchant if you want to cancel any pre-authorized bill payments and then to check your statement to ensure it has been cancelled. You are responsible for providing a merchant with adequate, correct and up-to-date information for any pre-authorized bill payments to be charged to your Credit Card Account, including if your Card number or Card expiry date changes. However, if you have established pre-authorized bill payments with a merchant and your Card number or Card expiry date changes, you agree that we may, but we are not required to, provide that merchant with your new Card number and/or Card expiry date using the updating service provided to us through Mastercard. We are not liable if any pre-authorized bill payments cannot be posted to your Credit Card Account for any reason. You must settle any dispute or liability you may have for the Transactions relating to those pre-authorized bill payments directly with the merchant involved.
How We Communicate with You: You can elect to receive statements and other communications from us electronically or by mail.
If you elect to receive information by mail, statements and other communications will be sent by regular mail to the address we have on file for you.
If you choose to receive information electronically, statements will be posted to your online Tangerine Inbox, and a notification may be provided to you by email (depending on your chosen notification settings). If you provide us with your email address, we may also send other communications to you by email. Even if you elect to receive statements and notifications electronically, we have the option to send them to you by mail instead.
Communications sent to you by mail will be considered to have been received by you five (5) business days after we mail it, or at the time of sending in the case of an electronic method, or when delivered in the case of a communication provided by hand. For our mutual protection, we may record all telephone calls that relate to the Credit Card Account.
Each Authorized User acknowledges that the statement, any information on the statement and other communications will be provided to the Primary Cardholder without notice to any and all Authorized Users, and that this acts as sufficient communication to all Cardholders and Authorized Users.
Loss, Theft or Unauthorized Use: It is your responsibility to protect your Card, Card PIN and Credit Card Account against theft, loss or unauthorized use. You must tell us immediately by telephone, in writing or any other means we permit about any actual or suspected loss, theft, or unauthorized use of your Card, Account or Card PIN. You agree that we may consider all Transactions and other use as authorized by you until you tell us otherwise.
If you report any loss, theft or unauthorized use of a Card, Account or Card PIN, you are not responsible for that use if, after we have investigated the matter, we determine that:
the Card, Account or Card PIN was used by a person other than you or any Cardholder and without any actual or implied consent or authorization;
you or any Cardholder did not receive any benefit from the use;
you and any Cardholder fulfilled all obligations under the agreement including exercising reasonable care to safeguard the Card, Account or Card PIN against loss, theft or unauthorized use including; and
you cooperated fully with us in our investigation.
If you meet the above criteria, we will consider the use "unauthorized use" and you are not liable for any Transactions (including interest) that occurred as a result of that unauthorized use.
When you tell us that a Card or Card PIN was lost or stolen, we will block the Credit Card Account to prevent unauthorized use. As such, you will not be liable for any Transactions made on the Credit Card Account that occur after you tell us that a Card or Card PIN was lost or stolen because we will consider that unauthorized use.
Tangerine may, from time to time, offer you the option of pausing your Card and the Credit Card Account temporarily. In that event, while the Card or Credit Card Account remains paused temporarily, Tangerine reserves the right to cancel the Card at any time if it suspects fraud, loss, or theft. If you suspect your Card has been lost or stolen, you must not use the pause feature and instead notify us immediately of the loss, theft, or misuse of the Card as described above.
Statement Errors: You agree to promptly review your statement and notify us of any errors or irregularities. We investigate errors reported to us within thirty (30) days of the Statement Date. If we don't receive notice from you within thirty (30) days of the Statement Date, we will consider the statement, every item on the statement, and our records respecting the Credit Card Account and statement to be correct. However, if we discover that we incorrectly credited your Credit Card Account, we may reverse the credit at any time. You and your Authorized User(s) are required to cooperate fully with any investigation we conduct.
Expiry Date: You may not use the Card after its expiry date as shown on the Card. However, if any Transactions are charged to the Credit Card Account after the expiry date, you are still responsible for and must pay us those amounts.
Our Limitation of Liability: We will not be liable for any damages (including special, indirect, punitive, consequential damages or otherwise) resulting from:
any failure, error, malfunction or inaccessibility of any Card, ABM, terminal or other machine or equipment; or,
if for any reason your Card is not accepted or for any other reason you cannot use the Credit Card Account, even if we knew that damage was likely or the damage was a result of our negligence or the negligence of our employees, agents or representatives.
Cancellation of Card(s): You, as the Primary Cardholder, may instruct us to cancel any Card at any time. If you cancel your Card, then we will cancel access to the Credit Card Account and all other Cards issued on the Credit Card Account will automatically be cancelled. An Authorized User may also instruct us to cancel their own Card at any time. Cancelling a Card or Credit Card Account will not affect your obligation to pay all amounts owing on the Credit Card Account including Transactions charged to the Credit Card Account before cancellation (even if these amounts do not appear on your Credit Card Account until after cancellation). We may cancel any Card or withdraw or limit access to the Credit Card Account at any time without notice to you.
Rewards Programs and Other Benefits: This Agreement sets out the Terms and Conditions applicable to your Card(s) and Credit Card Account. We may also provide other benefits with the Card, such as a rewards program. We will provide you with the initial principal features and Terms and Conditions of any such program, typically in a separate Rewards Program Terms & Conditions booklet, which is provided to you with the Card or by such other means as we determine. The most current version of the Rewards Program Terms & Conditions is also available on our website; at tangerine.ca. Rewards programs may be changed or cancelled by us at any time, without prior notice to you (unless notice is required by law).
Changes to this Agreement: You agree that we may make changes to this Agreement or the services that are available for your Card or Credit Card Account but we will give you notice in writing before we do so (or at any time as permitted by law).
We may change any of the following sections or elements of this Agreement with you: annual interest rate(s), annual fee, any other fees and/or charges for your Credit Card Account; and any other terms and conditions set out in your Disclosure Statement or in this Agreement including the payment network associated with the Card or Credit Card Account and any of these sections and all elements under the following headings in this Agreement:
Before we make these changes we will provide the Primary Cardholder with a written notice at least 30 days in advance of any change setting out the change, the effective date the change comes into force and your right to refuse the change and to cancel this Agreement without cost, penalty or cancellation indemnity to you other than for a change to the annual interest rate(s) and any annual fee or any other change where your consent is not required by law.
You must notify us within 30 days of the effective date of the change if you do not agree with that change. If you notify us within that 30 day period that you do not agree with the change, we will cancel this Agreement and any outstanding Balance or any other amount you owe under this Agreement will immediately become due.
Subject to applicable law, we will consider you to have accepted any change if you do not notify us within 30 days of the effective date of any change that you do not agree with the change or if you keep the Credit Card Account open, use the Credit Card Account or if there is any outstanding Balance or other amount owing on the Credit Card Account after the effective date of the change.
We may also change or terminate any benefits, services or coverages associated with any Card or the Credit Card Account, at any time, unless advance notice or notice in some other way is required by law. Except if we change this Agreement in writing, any waiver by us of any provision of this Agreement will not be considered a precedent for waiving that or any other provision of this Agreement.
For the purposes of this section, any "written" notice or notice "in writing" may be provided by us to the Primary Cardholder electronically if that Primary Cardholder has expressly consented to receive such notices electronically and if we agree to send those notices to the Primary Cardholder electronically.
Transfer of Rights: We may transfer, sell or otherwise assign all or a portion of our rights under this Agreement to a third party at any time. If we do so, we may disclose information about you and the Credit Card Account to the assignee or any potential assignee.
Terminating this Agreement: We have the right, at any time without telling you in advance (unless the law requires us to notify you) to:
cancel, suspend, or limit your right to access the Credit Card Account
cancel, suspend, or limit any Authorized User's access to the Card and/or the Credit Card Account
take away or limit any benefits or privileges related to your Credit Card Account
demand you repay the entire Balance owing on the Credit Card Account immediately, together with interest on such Balance at the annual interest rate(s) payable on the Credit Card Account at that time; and/or,
terminate this Agreement.
The Primary Cardholder may also terminate this Agreement by notifying us at any time. If you request termination, your Credit Card Account will automatically be cancelled, however the termination of the Agreement will not take effect until the full Balance has been paid and received by us.
This clause is required by the Québec Consumer Protection Act and is only applicable to residents of the province of Québec who have a personal Credit Card Account: (Clause of forfeiture of benefit of the term)
Before availing itself of this clause, the merchant must forward the consumer a notice in writing and unless the merchant is exempted in accordance with section 69 of the General Regulation, it must forward the consumer a statement of account.
Within 30 days following the receipt by the consumer of the notice and, where necessary, of the statement of account, the consumer may:
(a) either remedy the fact that the consumer is in default;
(b) or present an application to the court to have the terms and conditions of payment prescribed in this contract changed.
It is in the consumer's interest to refer to sections 104 to 110 of the Consumer Protection Act (chapter P-40.1) as well as to section 69 of the General Regulation made under that Act and, where necessary, to communicate with the Office de la protection du consommateur.
You remain liable for the Balance: If your Credit Card Account is cancelled or this Agreement is terminated, for any reason, it will not affect your obligation to pay any and all amounts owing on the Credit Card Account, including all Transactions charged to the Credit Card Account before it is cancelled (even if these amounts do not appear on your Credit Card Account until after cancellation). We may, without notice to you, deduct money from any other Credit Card Account that you have with us, and use it to pay the amount that is owing to us. You must also pay all legal expenses we incur to collect or attempt to collect what is owing to us.
If this Agreement ends, you must destroy all Cards and all other available means of accessing your Credit Card Account, or return them to us upon request. In any event, we or our representatives may take possession of them.
If you do not use your Credit Card Account: If your Credit Card Account remains inactive (e.g. there is no outstanding Balance on your Credit Card Account and there have been no Transactions or charges on your Credit Card Account) for such period as we may determine from time to time, we may close your Credit Card Account and you may be required to reapply for a new Credit Card Account.
Ownership of the Card: The Card continues to remain our property. We may revoke your Card or any Authorized Users' Card at any time and require that you destroy or return the Card(s) to us.
Use of Information:The headings to each section of this Agreement are added for convenience and don't change the meaning of any provision of this Agreement.
We may exchange Credit Card Account-related information about you with other parties, such as participating partners, merchants, or third-party service providers, as required to administer the Card and/or the Credit Card Account. All collection, use or disclosure of personal information about you will be in accordance with the Tangerine Privacy Code (available at tangerine.ca) and the Tangerine Credit Card Privacy Policy.
Headings: The headings to each section of this Agreement are added for convenience and do not change the meaning of any provision of this Agreement.
Severability: If it is found by a court that any portion of this Agreement is invalid or unenforceable, the remainder of the Agreement remains valid and enforceable.
Governing Law: This Agreement is governed by and interpreted in accordance with the federal laws of Canada.
Enforcing our Rights: We may delay enforcing our rights under this Agreement and may accept late payments, partial payments and payments marked as "paid in full" or containing similar wording without losing any rights that we have under this Agreement or by law, including the right to recover in full all amounts that you owe us on the Credit Card Account.
Language: It is the express wish of the parties that this Agreement and any directly or indirectly related documents be drawn up in English. Les parties ont exprimé la volonté expresse que cette convention et tous les documents s'y rattachant directement ou indirectement soient rédigés en anglais.
For Residents of the Province of Québec Only: This clause is required by the Québec Consumer Protection Act and is only applicable to Québec residents with a personal Credit Card Account: (Open credit contract).
If the consumer uses all or part of the credit extended to make full or partial payment for the purchase or the lease of goods or for a service, the consumer may, if the open credit contract was entered into on the making of and in relation to the sale, lease or service contract, and if the merchant and the open credit merchant collaborated with a view to granting credit, plead against the lender any ground of defence urgeable against the merchant who is the vendor, lessor, contractor or service provider.
The consumer may also, in the circumstances described in the first paragraph, exercise against the open credit merchant, or against the merchant's assignee, any right exercisable against the merchant who is the vendor, lessor, contractor or service provider if that merchant is no longer active or has no assets in Québec, is insolvent or is declared bankrupt. The open credit merchant or the merchant's assignee is then responsible for the performance of the obligations of the merchant who is the vendor, lessor, contractor or service provider up to the amount of, as the case may be, the debt owed to the open credit merchant at the time the contract is entered into, the debt owed to the assignee at the time it was assigned to him or the payment the open credit merchant received if he assigned the debt.
A consumer who has entered into a preauthorized payment agreement with a merchant under which payments are made out of credit obtained under a credit card contract may end the agreement at any time by sending a notice to the merchant.
On receipt of the notice, the merchant must cease to collect the preauthorized payments.
On receipt of a copy of the notice, the card issuer must cease debiting the consumer's account to make payments to the merchant.
The consumer is not liable for debts resulting from the use of a credit card by a third person after the card issuer has been notified, by any means, of the loss, theft or fraudulent use of the card or of any other use of the card not authorized by the consumer. Even if no notice was given, consumer liability for the unauthorized use of a credit card is limited to $50. The consumer is held liable for the losses incurred by the card issuer if the latter proves that the consumer committed a gross fault as regards the protection of the related personal identification number.
The consumer may demand that the merchant send, without charge, a copy of the vouchers for each of the transactions charged to the account during the period covered by the statement. The merchant must send the copy of the vouchers requested within 60 days after the date the consumer's request was sent.
It is in the consumer's interest to refer to sections 103.1, 122.1, 123, 123.1, 124, 126, 126.2, 126.3, 127 and 127.1 of the Consumer Protection Act (chapter P-40.1) and, if further information is necessary, to contact the Office de la protection du consommateur.
If you have a Tangerine Credit Card, you agree to the following Terms and Conditions which form part of your Tangerine Credit Card Cardholder Agreement (the "Agreement"). Definitions contained in the Tangerine Credit Card Cardholder Agreement also apply to these Terms.
Definitions: Here are definitions of some of the words used in this Agreement.
"Account in Good Standing" means a Credit Card Account that is not more than one (1) monthly statement period past due and is not closed, charged off, or in credit revoked status, all according to our credit risk policies that may change from time to time.
"Application" means the formal application (whether electronic, online, by telephone, in paper form, or otherwise) made by you for the Credit Card Account and Card(s).
"Authorized User" means a person to whom a Card has been issued at the authorization of that Primary Cardholder.
"Balance Transfer" means a Transaction in which you use funds from your Tangerine Credit Card Account to pay the outstanding balance on another credit card (other than a credit card issued by Tangerine), effectively transferring the balance from the other credit card to your Tangerine Credit Card Account.
"Billing Date" means the end of the monthly statement period in any given month, as reflected on the monthly statement.
"Card" means the Credit Card we issue to you as well as any renewal or replacement Cards we may issue to you from time to time, and any other payment device or application we provide to enable you to access the Credit Card Account.
"Cardholder" is the person to whom a Card has been issued including an Authorized User.
"Cardholder Agreement" means the Tangerine Credit Card Cardholder Agreement.
"Cash Advance" means a Transaction where funds are advanced from the Credit Card Account to a Cardholder and includes:
a Cash Advance obtained at an Automated Banking Machine (ABM), over the phone or on the Internet;
a Balance Transfer;
a Cash-Like Transaction; or
using telephone or online banking to pay bills or transfer funds from your Tangerine Credit Card Account.
"Cash-Like Transactions" means Transactions involving the purchase of items that are directly convertible into cash. Cash-Like Transactions include casino gaming chips, money orders, wire transfers, travellers' cheques and gaming transactions (including betting, off-track betting, race track wagers, and some lottery tickets).
"Credit Card Account" or "Account" means a Tangerine Credit Card Account established in the name of the Primary Cardholder.
"Monthly Statement Period" means a one (1) month period ending on the Billing Date.
"Money-Back Rewards" or "Rewards" means the money earned on purchases and returns posted to your Credit Card Account.
"Net Purchases" means purchases of goods and services that any Cardholder charges to your Credit Card Account during a monthly period, less all returns and merchant credits. Net Purchases excludes (i) Cash Advances, (ii) Cash-Like Transactions, (iii) interest charges, (iv) fees, (v) insurance premiums, and (vi) adjustments.
"Primary Cardholder" means the person who applied for the Card and whose name is on the Credit Card Account.
"Rewards Program" means the Tangerine Money-Back Rewards Program that allows you to earn Money-Back Rewards as described in this Agreement.
"Redemption Destination" means the method by which you chose to receive your Money-Back Rewards.
"Tangerine Savings Account" means a non-registered Savings Account offered by Tangerine Bank and in your name as sole or joint Account holder.
"Transaction" means any use of a Tangerine Credit Card or the Credit Card Account to purchase goods or services or make any other charges to the Credit Card Account.
"We", "us", "our", "Bank" and "Tangerine" means Tangerine Bank.
"You" and "your" means the Primary Cardholder on the Credit Card Account.
Application of Terms: These Terms apply to the Rewards Program. These Terms should be read in tandem with the Cardholder Agreement, which is issued to you separately.
Eligibility: The Rewards Program is automatically available to you if you have a Tangerine Credit Card Account in Good Standing. It applies to all Net Purchases made by any Cardholder on your Credit Card Account everywhere your Card is accepted, worldwide. The Rewards Program is offered to you at no extra cost and is in addition to the other benefits that come with your Credit Card Account. We review the status of your Credit Card Account every Billing Date and deposit any Money-Back Rewards earned into your chosen Redemption Destination (as explained in Section 5 below).
Authorized Users and the Rewards Program: While all Tangerine Credit Cards are automatically included in the Rewards Program for the purpose of accumulating Money-Back Rewards, only you, the Primary Cardholder, will receive Money-Back Rewards to your chosen Redemption Destination. Authorized Users have no rights to Rewards – either against you or us – under these Terms.
Redemption Destinations: You can receive your Money-Back Rewards in one of two ways:
To a Tangerine Savings Account: You can ask us to deposit your Money-Back Rewards into either an existing or a new Tangerine Savings Account in your name (either as sole or joint Account holder). The Money-Back Rewards amount will be calculated on every Transaction and will be deposited into your Tangerine Savings Account every month on or about the Billing Date, or the next business day if the Billing Date falls on a Saturday, Sunday or holiday in your province of residence.
To your Credit Card Account: You can elect to redeem the Money-Back Rewards by instructing us to apply it as a credit to your Tangerine Credit Card Account. The Money-Back Rewards amount is calculated on every Transaction and is credited to your Credit Card Account every month on or about the Billing Date or the next business day if the Billing Date is a Saturday, Sunday or holiday in your province of residence. The Money-Back Rewards credited to your Credit Card Account do not count towards your minimum payment. You are still responsible for making the minimum payment each month.
You cannot take any Money-Back Rewards to cash. You cannot deposit Rewards to an account held by you at another financial institution, and you cannot deposit Rewards to any Investment Funds Account, Chequing Account or to a separate Credit Card Account at Tangerine. If you miss one (1) minimum payment (as shown on your monthly statement), the Money-Back Rewards you earned for that Billing Cycle will be withheld until you bring your Account into good standing. If you miss two (2) consecutive minimum monthly payments, if your Account is closed by us, or if your Account is not in good standing, your outstanding or withheld Money-Back Rewards will be cancelled.
You must choose your Redemption Destination at the time you apply for the Tangerine Credit Card, although you can change your chosen Redemption Destination at any time by logging in at tangerine.ca or by calling us at
How You Earn Money-Back Rewards: Money-Back Rewards are earned as follows:
0.50% Money-Back Categories – You will earn 0.50% Money-Back Rewards on all other Net Purchases not falling within your chosen
Drug Stores: merchants classified as "Drug Stores/Pharmacies" (MCC 5912);
Eating Places: merchants classified as "Eating Places, Restaurants, Bars, Lounges, Discos, Nightclub Taverns and Fast Food Restaurants" (MCC 5812 – 5814);
Entertainment: merchants classified as "Sports Venues, Theatres, Amusement Parks, Carnivals, Circus, Tourist Attractions and Exhibits, Movie Theatres, Zoos, Bands, Orchestras, Aquariums" (MCC 7941, 7922, 7996, 7991, 7929, 7998, 7832, 7829);
Furniture: merchants classified as "Home Furnishing Stores, Furniture Reupholstery" (MCC 5712, 5719, 7641);
Gas: merchants classified as "Service Stations" (MCC 5541/5542);
Grocery: merchants classified as "Grocery Stores and Supermarkets" (MCC 5411, 5462);
Home Improvements: merchants classified as "Hardware Stores, Home Supply Warehouse Stores, Lawn and Garden Supply Stores, Glass/Paint/Wallpaper Stores, Florist supplies nursery stock & flowers, Floor Coverings, Drapery and Window Coverings" (MCC 5251, 5200, 5261, 5231, 5718, 5713, 5714);
Hotels-Motels: merchants classified as "Lodging, Hotels, Motels, Resorts or by Property name" (i.e. Fairmont, Marriott, Holiday Inn, etc.) (MCC 7011, 3500-3828);
Public Transportation and Parking: merchants classified as "Automobile Parking Lots and Garages, Public Transportation (including Buses, Trains, Ferries), Taxis, Road Tolls" (MCC 7523, 4111, 7524, 4121, 4784);
Recurring Bill Payment: Recurring bill payments are defined as payments made on a monthly or other regular basis, and which are automatically billed by the merchant to your Tangerine Credit Card, such as your monthly phone bill. Not all merchants offer recurring payments, and not all ongoing payments will be considered "recurring payments" for purposes of this category. Please check with your merchant to see if your recurring payment qualifies.
Eligible categories are subject to change, without notice to you. The current list of qualifying
The following situations are representative of merchants which may not earn
Purchases at wholesale clubs, alcohol retailers, general merchandise merchants, convenience stores and other merchants whose business is not limited and thus the businesses are not categorized under any eligible Merchant category codes.
Food purchased at discount retailers or specialty retailers such as fish markets and health food stores;
Gasoline purchases that are not for retail or automobile gasoline;
Purchases for dining within a retail store, hotel, pub, bar, club, lounge or other merchant that is not categorized as a restaurant;
If the merchant category for the purchase is not identified. This may happen when the transaction information we receive does not come directly from the merchant.
Tangerine is not responsible for how merchants are categorized. Tangerine will not issue new or additional Rewards to you should the merchant from whom you made your Net Purchase not be classified in the category you expected. Further, Tangerine will not transfer or re-categorize purchases from a 0.50% Money-Back Category to a
Changing Your
Whether you choose your
Changing your Redemption Destination: As noted in Section 5 above, you can change your Redemption Destination one time per cycle. However, the following will apply:
If you change your Redemption Destination from your Tangerine Savings Account to your Credit Card Account, you will be required to select the two (2)
If you change your Redemption Destination from your Credit Card Account to a Tangerine Savings Account, you will be required to add one
If you change your Redemption Destination from one Tangerine Savings Account to another Tangerine Savings Account, the Redemption Destination will change, but your
If you close the Tangerine Savings Account you had chosen as your Redemption Destination, you will be prompted to open a new Tangerine Savings Account. If you do not do so, your Money-Back Rewards will automatically be deposited into your Credit Card Account as provided for above, and you will be required to remove one
Promotional Money-Back Offers: We may, from time to time, offer special promotions to earn Money-Back Rewards at a higher rate than those specified above. The Rewards earned through these promotional offers will be included on your monthly statement and will be subject to change at any time.
Eligible Purchases: Money-Back Rewards can only be earned on Net Purchases charged to your Credit Card Account provided that your Credit Card Account is in Good Standing at the time the purchase is posted. Balance Transfers and Cash Advances are not eligible to earn Money-Back Rewards.
Posting the Money-Back Rewards amount: The Money-Back Rewards earned will appear on your monthly statement alongside the corresponding posted transactions. Transactions that have not yet posted to your Account will appear in the Pending Transaction section in your online Account summary and will not include any Money-Back Rewards. You will not earn any Money-Back Rewards until the transaction is posted to your Credit Card Account.
Returns: When purchases are returned, any Money-Back Rewards paid to you on those purchases will be reversed and your Money-Back Rewards balance will be deducted accordingly, based on your selection of
Reversing and Terminating Money-Back Rewards: We may reverse or terminate any Money-Back Rewards or pending Money-Back Rewards issued to you.
Limitations: Money-Back Rewards cannot be earned after the date your Credit Card Account is closed or the date the Rewards Program is terminated. We may also refuse to issue Rewards or may withdraw the Rewards if we have reason to believe that you committed, caused or allowed a breach of the Cardholder Agreement or these Terms.
Negative Rewards Balance: If your Rewards Balance is negative at the end of the Billing Cycle, you will have to earn enough Rewards to return your Rewards Balance to positive, at which point Rewards deposits to your Redemption Destination will restart.
Calculating the Money-Back Amount: Money-Back Rewards are calculated on the Canadian dollar amount of qualifying Transactions, and the Money-Back Rewards balance is credited to you in Canadian dollars. We round Money-Back Reward calculations to the nearest cent.
Money-Back Rewards Verification: A section on your Credit Card Account monthly statement will show the amount of Money-Back Rewards earned, adjusted or credited during the Billing Cycle. You can also obtain information by contacting us at 1-888-826-4374 or on tangerine.ca. Each month, you are expected to review your Money-Back Rewards summary and report any discrepancies or concerns you may have within thirty (30) business days of your statement date. If you do not, we will deem the Money-Back Rewards balance to be accurate.
Death: Upon your death, your participation in the Money-Back Rewards Program automatically ceases and the Credit Card Account is closed. Purchases that are not posted to your Credit Card Account as of the date of death will be ineligible to receive Rewards.
Death of Authorized User: You must immediately notify us of the death of an Authorized User. Upon the death of an Authorized User, their Card will be cancelled and their accumulation of Money-Back Rewards will automatically cease – although any Rewards accumulated but not yet posted as of the date of death will be provided to you in the usual manner.
Transferring the Money-Back Rewards Balance: A Money-Back Rewards balance may not be transferred, consolidated, converted, exchanged, or combined in connection with any other Rewards Program offered by the Bank. The Money-Back Rewards balance is not transferable from your Tangerine Credit Card Account to another Card or Cardholder's Tangerine Credit Card Account. However, if your Card is lost or stolen, the Money-Back Rewards balance at time of loss or theft will be automatically transferred to your new Tangerine Credit Card Account, provided your Credit Card Account was in Good Standing on the date of the loss or theft.
Suspension and/or Termination of the Rewards Program:
The Rewards Program may be suspended or terminated at any time with no notice to you. Provided your Credit Card Account is in Good Standing at the time of the suspension or termination of the Rewards Program, all Money-Back Rewards earned up to the date of termination or suspension – as the case may be – will be deposited in your chosen Redemption Destination.
Subject to the terms of your Cardholder Agreement, we may, without notice to you, suspend or terminate your participation in the Rewards Program, cancel your Money-Back Rewards balance without compensation to you upon (i) fraud or abuse relating to the Rewards Program, (ii) misrepresentation of information to us, (iii) failure by you to follow these Terms, (iv) your bankruptcy.
Amendments: We may make changes to the Rewards Program including but not limited to changes to the Rewards percentage rates and amounts, timing of the deposits of Rewards, Money-Back Categories, and Redemption Destinations, at any time and without notice to you. We may also change anything in these Terms at any time with no advance notice to you, unless otherwise provided for in these Terms. We may also cancel the Rewards Program at any time without any notice to you.
The impact of closing your Credit Card Account: Unless in circumstances of death, if your Credit Card Account is in Good Standing at the time of closure, the Money-Back Rewards that are not yet posted to your Credit Card Account will be deposited to your Redemption Destination on or about the next Billing Date. If your Credit Card Account is not in Good Standing, any Money-Back Rewards will be cancelled.
No Cash Value: Money-Back Rewards have no cash value until they are posted to your Redemption Destination. You have no property interest in the Rewards or the Rewards Program.
Currency: All references to dollar amounts in these Terms are expressed in Canadian dollars.
Use of Information: We may exchange Rewards Program and Credit Card Account-related information about you with other parties, such as participating partners, merchants or service providers, as required to administer the Rewards Program. All collection, use, or disclosure of personal information about you will be in accordance with the Tangerine Privacy Code (available at tangerine.ca) and the Tangerine Credit Card Privacy Policy.
Taxes: Payment of any taxes related to the Money-Back Rewards is your responsibility.
Tangerine Savings Account: To open a Tangerine Savings Account, you must complete the required application process with Tangerine Bank, which will include accepting all the Terms and Conditions of that Account. We may require you to provide us with a Social Insurance Number in opening the Account for tax purposes only, as required under the Income Tax Act.
Communications: Unless you elect to receive communication in print, we will communicate with you electronically about your Credit Card and the Money-Back Rewards Program. You must notify us immediately of any changes to your mailing address and any other contact information that we may have in connection with the Credit Card Account. We will not be liable for any misdirected, lost, or delayed mail resulting from your failure to provide us with such notice.
Acceptance of Terms: When you activate, sign, or use your Credit Card for the first time, it will mean that you have read these Terms and have understood and agreed to everything contained in this document. When we update and revise the Terms, we will post them to our website. The posting of these Terms constitutes notice and delivery.
Your privacy is important to us. The information you share with us before and during our relationship with you in respect of your Tangerine Credit Card will be safeguarded by Tangerine according to our Privacy Code, and this Tangerine Credit Card Privacy Policy. Where Tangerine's Privacy Code and this Tangerine Credit Card Privacy Policy conflict, Tangerine's Privacy Code governs.
Why We Collect, Use, and Disclose Information: We collect personal information so that we may do business with you by providing you with a Credit Card. As a result, we limit the collection, use and disclosure of personal information to what is necessary in order for us to serve you and administer our business. For example, we may collect information to:
verify your identity and protect against fraud;
evaluate and process your application, open and operate your Account(s), transactions, and reports;
better understand your financial situation and financial service requirements to determine the suitability of products or services and offer products and services to meet these needs;
protect Tangerine and you from error and criminal activity; and comply with legal and regulatory requirements, including court orders, search warrants, or other demands or requests which we believe to be valid;
collect a debt or enforce an obligation owed to Tangerine or its service providers, agents, assignees or partners;
for any purposes contained in our Privacy Code; and as required or permitted by law.
From time to time, we may obtain reports about you from credit reporting agencies for purposes of the continued administration of the Credit Card.
What Information We Collect: We collect personal information about you, which may include identification and financially-related information, including:
your name, gender, date of birth;
your address, phone number, email address, occupation;
the information you provide on an application for any of our products and services;
your financial preferences and activity;
identification numbers such as your Social Insurance Number (SIN); and/or
information about financial activities such as your payment history and credit worthiness.
From Whom We Collect Information: Personal information may be collected from you and a number of other sources including government agencies and registries, law enforcement and public records; credit reporting agencies; other financial institutions or service providers, agents and other organizations with whom you make arrangements; or persons authorized to act on your behalf under a Power of Attorney or other legal authority.
To Whom May We Disclose Your Information: Information may be disclosed to any of the following individuals or entities for the purpose with which the information was collected:
upon your request, or with your prior and explicit consent;
to credit bureaus, law enforcement and/or regulatory bodies, for purposes of detecting, investigating, confirming or preventing fraud or other criminal activity, in response to a court order, or to self-regulatory organizations of which we are a member or participant;
to authorized employees of Tangerine and affiliated entities of Tangerine such as our parent company or subsidiaries;
to other financial institutions or merchants with whom you have already shared your address;
to service providers, agents, assignees and partners;
to a potential and/or actual purchaser(s) of all or part of Tangerine;
to any references you provide;
to debt collection agencies; and
to any person or organization who may reasonably require information, where permitted or required by law.
All our employees and third party service providers are required to maintain the confidentiality of your information. Their services may be performed outside of Canada, and therefore your information may be securely used, stored or accessed in other countries and may be subject to the laws of those countries. Tangerine will safeguard this information from loss, theft, unauthorized access, disclosure, duplication, use or modification. You may submit a written request for access to your information and make corrections to it, however, access may be restricted as permitted or required by law.
When speaking with one of our Client Service Associates, we may monitor and record your telephone discussions for our mutual protection, to enhance Client service and to confirm our discussions with you.
We retain your information only as long as required for Client service, legal or regulatory purposes.
You acknowledge that we may amend this Tangerine Credit Card Privacy Policy and our Tangerine Privacy Code from time to time to reflect changes in legislation or other issues that may arise. We will post the revised provisions and Privacy Code on our website. You acknowledge, authorize and agree to be bound by such amendments. You acknowledge that this Privacy Policy constitutes prior written notice to you, and your consent to, the collection, use and disclosure of your personal information as described above.
Read our Privacy Code online at https://www.tangerine.ca/en/privacy/privacy-code.
Please click here to view the Certificate of Insurance.
Please click here to view the Certificate of Insurance (Applicable for Tangerine World Mastercard holders only).
Please click here to view the Certificate of Insurance.
A Promotional Rate of 1.95% (unless this promotional low interest rate is further reduced by us in any offer we make to you) will apply to any and all Balance Transfers made within 30 days of your Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer is posted to your Account (the "Promotional Rate Period"). The exact promotional low interest rate that applies during the Promotional Rate Period will be disclosed to you at the time an offer is made. After the expiry of the Promotional Rate Period, the remainder of your Balance Transfer amount will become subject to the Cash Advances rate outlined below.
Standard Rates – These rates are in effect when your Account is opened:
Purchases: 19.95%
Cash Advances: 19.95% (includes Balance Transfers after the Promotional Rate Period has ended)
If you don't make your Minimum Payment by the payment due date as shown on 2 consecutive monthly statements, your interest rate will increase to 24.95% on Purchases, Cash Advances and Balance Transfers, including Balance Transfers with Promotional Rates in effect. This increase will take effect immediately, and will be reflected on the following monthly statement. Your interest rate will go back to 19.95% when you've made 12 consecutive Minimum Payments by the payment due dates shown on your monthly statements.
For Residents Outside of Québec:
Your required Minimum Payment is the sum of Interest + Fees + $10, in addition to any over-limit or past due amounts. If your outstanding New Balance is less than $10, the Minimum Payment will be the balance.
For Québec Residents Only:
For Accounts opened on or after August 1, 2019: Your required Minimum Payment is the greater of 5.00% of the outstanding New Balance on your statement or $10.
For Accounts opened prior to August 1, 2019: Your required Minimum Payment is the greater of:
A. 2.50% of the outstanding New Balance on your statement
"2.50%" will increase by increments of 0.50% of the outstanding New Balance shown on your statement in each 12 month period from August 1, 2019, until it reaches 5.00% as shown below:
2.50% to 3.00% (effective August 1, 2020)
3.00% to 3.50% (effective August 1, 2021)
3.50% to 4.00% (effective August 1, 2022)
4.00% to 4.50% (effective August 1, 2023)
4.50% to 5.00% (effective August 1, 2024)
In addition, in all cases your Minimum Payment will include any over-limit or past due amounts. If your outstanding New Balance is less than $10, the Minimum Payment will equal the balance.
We'll bill you in Canadian currency if you use your Account to make a transaction in a foreign currency. We'll convert the transaction into Canadian currency at the exchange rate set by Mastercard International Inc. that's in effect on the date that the transaction is posted to your Account. This exchange rate may be different from the rate in effect on the date of the transaction.
When the converted transaction amount gets posted to your Account, we'll add a foreign currency conversion fee of 2.50% to the converted transaction amount.
To be charged on the day the transaction occurs (unless otherwise indicated):
The Bank reserves the right to waive any fees or charges in its discretion.
All rates, fees and other terms are effective as of
The Tangerine World Mastercard® is a premium Card and may impose higher acceptance costs on merchants.


text:
- This device loads power or particle automatically with high speed
- With the full application of the servomotor and the electric control system,
- Anybody can operate the speed control through the numerical date input.
- Chemical resins, pellet, feeds, fertilizer
- Salt, various corrosive raw materials, food additives
- Mineral product, etc.
Specification :
Model : KPF-500G / KPF-1000
Capacity : 30~40 Ton/hr at 500~1000kg/bag
Accuracy : ±1/500~±1/1000
Application : (Pellets, Granule, Powder), Fertilizer
Power Source : 380/440V. 60Hz. 3Φ
Kind of Bag


text:
There's a funny thing no one tells you about failure. It is the unsung hero of teaching you what you didn't think you needed to learn. Sitting in a camp chair at Ollalie Meadows, whipping tears and trying to avoid eye contact with other runners coming through, I tried to graciously accept both my fate and delicious pierogies from Scott McCoubrey. It was hard to process a lot of what had happened in the last three hours. I had felt relaxed and strong coming through each of the aid stations, and despite being almost 50 miles into the race, my energy level hadn't flagged yet. The prospect of not pushing through it hurt almost as much as the hotspots that had seemingly instantaneously erupted on my heels just a few hours before and turned my gait into a caricature of human motion. Deep in the infamous pain cave, my type-A brain screaming at me that at least we could do the respectable thing and get to Hyak, every time I shuffled my feet I was reminded of where it hurt. Four days later, it's oddly comforting that things still hurt- it partially validates my choice to drop. I planned obsessively for the race and prepared myself not just physically but mentally for embracing the suck. It was in the script that at some point it would hurt and I would have to push through the lows to get to the greener pastures on the other side. Being so hobbled by blisters and biomechanical failures by the halfway point that I could barely navigate the technical terrain was not in the script.
"If you want to make God laugh, tell him about your plans." Woody Allen
Everything up to mile 38 flew by faster than I could have ever imagined. I spent miles running with familiar faces and getting acquainted with new ones . This is one of my favorite part of trail races- you meet someone, you share a few miles and in those moments you get a candid glimpse into their soul. Usually one or the other of you pulls ahead at an aid station and then maybe you find each other again, maybe you don't. Each aid station was huge boost in morale, especially when I got to Tacoma Pass and I got to see my crew for the first time and my furball, who was predictably concerned about my sudden disappearance from the Easton Fire Station. Many people describe Sibes as humans in dog's clothing, and after getting emphatically lectured on how very not okay it was that I ran off, it's hard to not agree. Addy is among the most human-focused and perceptive dogs I've ever known, and she was all business as she navigated the orange ribbons from Tacoma Pass to Stampede Pass. When my crew picked me up from the aid station at Ollalie Meadows, she repeatedly checked to make sure I didn't disappear again, a humorous process that involved her switching from leading the group to looping around to the back to stand in front of me. When she had reassured herself that I was indeed coming too, she would take the lead again- a cycle so like a doting mother that it was impossible not to laugh at it and start to feel human again.
It's a disappointment and to some, a failure, but it doesn't feel that way. Perhaps it's because the rest of my running this year has been so good. I've run more miles than I ever felt was possible and have managed to avoid any major injury setbacks that kept me off running for more than a few days. I have no doubt that I will try another 100 miler and have spent the last few days making Yes/No Decision charts for several. Did I really need to see that Run Rabbit Run has cleared their waitlist? How wise is it to dive immediately into another 100 miler? How realistic is it to plan a trip to Colorado on the fly? Maybe the elevation will help slow my ass down and keep me from going out to fast? Why does this line of thinking seem like a slippery slope…and a profoundly silly idea?! Wait, what about Orcas?! Ooo… I have no doubt that I will have another go at Cascade Crest, despite spending a hot second at Ollalie Meadows never wanting to run that first 50 miles again. Some day I'll find that wooden token from Blowout Mountain in my Salomon pack and the hunger will reawaken. When that day comes I don't doubt this experience will prove a great boon.
There's a disconnect between feeling fine energetically and feeling trashed from the knees down, and after targeting 50 miles a week for the entirety of 2018, losing that regular schedule of training is disorienting. The hell do you mean I'm not doing a long run on Saturday? How about 10-12 on the road and keep the hills to a minimum- it'll be easy peasy! Then let's find some hapless marathon or 50K to tear into… That urge to swing for fences is strong. Maybe dust off some of those old road goals you have… Funnily enough, I do have something else on my calendar coming up. A particular race that I have "unfinished business" with, and considering that my favorite 50K is sold out and I have a whole extra five minutes to BQ, that pull is strong to go out and try to find a little bit of redemption on the road is strong. No script and no expectations this time though. Just a girl and her running shoes, and maybe a bit of an axe to grind.