CLINCARD

WHAT YOU NEED TO KNOW ABOUT THE CLINCARD

You’ve probably heard about our new payment method: the ClinCard!

The ClinCard is a reloadable debit MasterCard on which we deposit your compensation.

Your ClinCard can be used at any point of sale where MasterCard is accepted, such as:

ATMs
At grocery stores
At gas stations
In Stores and restaurants
Online
Online-payment of certain bills

Daily Limits

You can make up to $5,000 worth of transactions per day:
- Up to $5,000 at point of sale and/or online
- Up to $1,500 ATM withdrawal

You can make a maximum of 15 transactions per day:
- 10 transactions at point of sale and/or online
- 5 ATM withdrawals

The maximum purchase amount per transaction is $1,000.

Fees associated with the ClinCard

There are no fees for the following transactions:

In-store purchases
Online purchases (including payment of bills)
Accessing your account online

Charges for ATM withdrawals range from $2 to $4 per transaction. For more details, refer to the section ‘’ATM Withdrawal’’.
Restaurants, hotels and airlines may apply a temporary holding of funds of 20 % over the total amount of the transaction. The purpose of the holding is to cover for tips, room service or seat reservation that may add to the transaction total. These funds are usually released within 24-48 hours. For more details, refer to the section ‘’Avoid Surprises’’.

ATM Withdrawals - Limits & Fees

ClinCard-ATM.

You can make up to 5 withdrawals per day at an ATM
and withdraw a maximum of $1,500 per day. This amount includes transaction fees.

Financial Institutions	Limit per ATM Withdraw (Including ATM Transaction Fee) [1] [2]	Fee per ATM Transaction [2]
Scotia Bank	$1,000	$3
Desjardins	$1,000	$2
BMO Bank of Montreal	$1,500	$3.50
TD Canada Trust	$1,500	$3.50
National Bank	$1,500	$4
Laurentian Bank	$1,500	$3
CIBC	$400	$3.50
RBC Royal Bank	$400	$3

[1] Limits per ATM Transaction are independently managed by each financial institution. Listed limits per ATM are subject to change.
[2] ATM Transaction fees are independently managed by each financial institution. Listed ATM Transaction fees are subject to change.

Benefits: ClinCard versus Cheque

ClinCard	Cheque
Access to up to $5,000 the same day (including point of sale and ATM).	Funds are held for 4 to 7 business days before being accessible.
No need for a personal bank account.	Participants who don’t have a personal bank account need to go to costly cheque-cashing outlets (3.2% of the value of the cheque + flat service fee of $3.99 per transaction).

Avoid Surprises

Example: ATM Withdrawals

You go to the National Bank to make a withdrawal from the ATM.

The daily limit for ATM withdrawals is $1,500 (including transaction fees).
The limit per transaction to a National Bank ATM is $500.
A $4 transaction fee applies for each withdrawal to a National Bank ATM.
Most ATMs, including National Bank, only hand out $20 bills.

Assuming that your ClinCard balance is $1,600 and taking into account that the daily limit for ATM withdrawals as well as ATM transaction limits and fees, this means:

You will be able to withdraw a maximum of $1,480 in a single day. Based on the National Bank's limit per transaction, you will need to proceed to 3 transactions to reach that daily maximum:
- 2(x) ATM withdrawals of $500 (25 x $20)
- 1(x) ATM withdrawal of $480 (24 x $20)

The following transactions will display on your ClinCard statement:

2(x) "Domestic ATM Cash withdrawal - Debit - $504" i.e.: ATM withdrawal of $500 + National Bank transaction fees of $4
1(x) "Domestic ATM Cash withdrawal - Debit - $484" i.e.: ATM withdrawal of $480 + National Bank transaction fees of $4

Once those transactions are completed:
- You will have a total of $1,480 of cash on hand.
- Your ClinCard balance will be $108 (initial balance of $1,600 minus ATM withdrawal #1 for $504 minus ATM withdrawal #2 for $504 minus ATM withdrawal #3 for $484).
- $1,492 out of the $1,500 daily ATM withdrawal limit will be used.
- You will need to wait for the next business day to complete any new ATM withdrawal as the remainder of the daily limit is $8 and the minimum ATM withdrawal is $20.
- There is no need to wait for the next business day to use the remaining balance of $108 on your ClinCard. The balance is available immediately to make purchases in point of sales, online or to pay certain bills.

Frequently Asked Questions

Why are we changing to this payment method?

Using ClinCard will facilitate the payment process for us, and more importantly for you, our participants. Payment via debit card has many benefits over issuing cheques and cash. Instant access to your indemnity is one of them!

What are the benefits of the ClinCard for participants?

Funds are available as soon as they are deposited onto your card.
No personal bank account is needed to access your funds.
You can use the card for purchases in stores, online or to withdraw cash from an ATM.
You can access your account information online, including transaction history and your remaining balance.

When do I get my ClinCard?

Your personal ClinCard will be issued shortly after you check in for your first or next study. You will then need to activate the card by calling the number included in the envelope that will be given to you. Don’t forget to sign the back of your new card!

When can I start using my ClinCard?

The funds are generally deposited within 72 hours after you leave the clinic but in most cases, the funds will be available as soon as you leave the clinic. The first study payment will already be issued on the card and you can use the card anywhere MasterCard is accepted. Don’t forget to activate and assign a PIN prior to using your card by calling 1 855-587-3910.

How do I use my ClinCard?

Your ClinCard can be used anywhere MasterCard is accepted. Each time you

make a purchase or withdrawal, the funds will be deducted from your remaining balance. Once all your funds are used and your account balance is at $0, the card will not be functional until your next study payment.

Funds can only be added by Altasciences.

Do I need to keep the ClinCard once the balance is at $0?

Yes! Your ClinCard is reloadable. Every time you visit us for your current or future studies, your indemnity payments will be made to your card. If you lose your card, there will be a charge of $15 to issue a new card at your next check-in.

What should I do if my ClinCard is lost or stolen?

You should contact MasterCard directly at 1 855-587-3910. They will be able to reissue a replacement card.

What if I try to make a purchase for an amount higher than my balance?

If you attempt to make a transaction higher than the remaining balance on your ClinCard, the transaction will be declined.

Does the ClinCard require a PIN (personal identification number)?

Yes. Like any other debit or credit card, you will be given a PIN while activating the card. The PIN is embedded in the chip on the card and therefore cannot be changed.

How can I check the balance of my account?

You can check your balance anytime by visiting clincardca.mycardplace.com or by calling 1 855-587-3910.

How do I retrieve/change a PIN?

The PIN is the access code to your account for all pinned Point of Sale (POS) purchases and ATM transactions.
To retrieve/change your PIN, call customer service at 1-866-952-3795 and follow the prompts through the Interactive Voice Response System (IVRS).
- IVRS is a technology that allows a computer to interact with humans, using input via keypad.
- PIN retrieval/change can also be accessed through the ClinCard cardholder website and My ClinCard mobile app (standard message and data rates may apply).

PIN retrieval/change will require you to enter your 16-digit card number and a valid Date of Birth.
Memorize the PIN and do not share it with anyone.

How do I link the ClinCard prepaid debit card to my phone or other device (mobile wallet setup)?

Log in to the ClinCard cardholder website (www.myclincard.mycardplace.com) or the My ClinCard mobile app* (see “How do I login to the ClinCard cardholder website or My ClinCard mobile app?”) and ensure you have registered your card and have a valid email address on file
Download the mobile wallet app* from the Apple Store or Google Play (if not already pre-installed on your device).
Add your ClinCard prepaid Visa debit card in the mobile wallet app*:

1. Go to the “Add Credit/Debit Card” options and tap the “Add Card” button within the app.
2. You will be prompted to add the card by manually entering the full 16-digit card number, card expiration date, and CVV Number (or to take a picture of the physical card).
  - The address data associated with the card account is verified at this point, comparing the address linked to the card account vs. the address linked to the mobile wallet account.
3. Upon successful entry of card data, you will be required to select the method for the additional verification step. You can choose one of the following verification options, depending on availability:
  - One Time Password (OTP) via Email (only displays if you have an email address on file for ClinCard) - Upon selection of the “Email” option to get an OTP in email, you will be redirected to another page within the mobile wallet app* where you can enter the OTP. If you provide the correct OTP within the defined time, you will be able to complete the setup of your ClinCard in the mobile wallet.
  - Call Center Activation (standard option, always visible) – You can call Cardholder Support at 1-866-952-3795 to speak to a live agent to verify your identity with a list of verification questions (i.e., name, address, and DOB).
4. In case of card activation through OTP via Email, card activation occurs immediately, and you are sent a success message by Email. Typically, you see the card appear in your mobile wallet ready for use within 24 hours in the case of Call Center Activation.
5. You can make purchases after

* Standard message and data rates apply.