Appendix A

Pre-Authorized Debit (PAD) Terms for Deposit Account

Application

This Appendix A applies to Customers who have a Deposit Account as defined in the main body of the Agreement and is effective from the date the Customer has checked the Pre-Authorized Debit ("PAD") Agreement acceptance box on either the Automatic Funds Transfer Review and Approve or Manual Funds Transfer Review and Approve screen on the Website and all required Financial Administrators have provided the approval as described in section 4. The acceptance and delivery of this Appendix A to LTSA constitutes delivery by the Customer to its Financial Institution.

Authority To Debit Account

The Customer authorizes LTSA and the designated Financial Institution specified by the Customer on the Website to begin deductions of regular recurring Automatic payments, one-time Manual payments or both from the Customer's designated bank account at the Financial Institution for credit to the Customer's Deposit Account. The regular payments will occur at set intervals triggered as specified in Section 5 and be for variable amounts.

The Customer has specified on the Website whether the pre-authorized debits ("PADs") will be Automatic, Manual or both. The Customer may at any time modify payment parameters, change Financial Administrators, or change the Financial Institution by updating such information entered on the Website. To make payments by PAD, an account with a Canadian Financial Institution is required.

Pre-Notification Waiver

The Customer waives the requirement under the CPA Rules to receive a written pre-notification of a regular recurring PAD from the Customer's bank account prior to each PAD.

Valid Signing Authority

The Customer warrants and guarantees that all persons who have electronically approved the PAD Agreement have signing authority for the Customer's bank account at its Financial Institution and for the Deposit Account. A "Financial Administrator" is each person specified by the Customer as having such signing authority. The Customer must also specify whether the PAD Agreement must be approved by single or multiple Financial Administrators.

Frequency and Amount of Debits

Automatic Transactions

Automatic PADs for the Automatic Funds Transfer are processed after the end of each business day during which the Transfer Trigger Threshold is reached. The Financial Administrator assigns, edits, and updates the ranges and limits for PAD payment parameters on the Website which parameters create the Automatic Funds Transfer. "Automatic Funds Transfer" means the calculated payment amount that occurs as a result of applying the parameter rules defined below. The Automatic Funds Transfer amount will be the lesser of: the calculated difference between the specified Maximum Account Balance and the balance in the Deposit Account at the end of the business day; or the Maximum Transfer Amount.

PAD payment parameters that can be modified on the Website are:

Manual Transactions

The Financial Administrator authorizes the one-time amount of money to be debited.

Recourse/Reimbursement

The Customer has certain recourse rights if any debit does not comply with this Appendix. For example, the Customer has the right to receive reimbursement for any debit that is not authorized or is not consistent with this Appendix. To obtain more information on recourse rights, the Customer should contact its Financial Institution or visit www.cdnpay.ca.

Cancellation of Arrangement

This Appendix A may be cancelled at any time by the Customer on the Website or by contacting LTSA customer service at the telephone number or address set out below.