From: XXXX Sent: December-03-13 12:52 PM To: Consumer Code / Code consommateur Subject: Prepaid credit card Any unutilized balance in the cards after definitive long years say 3 years to be transferred to the government treasury or bank of Canada and not to the bottom line of commercial banks who issue the cards. Card holder can then still claim the amount from treasury with id This is not free money to the banks XXXX