From:	XXXX
Sent:	December-03-13 1:03 PM
To:	Consumer Code / Code consommateur
Subject:	Prepaid Payment Products 

Under this Regulations consideration should be given to included prepaid cell phones. Personally I 
prepay $100 per year for my cell phone, if I don't use the minutes I loss the balance in my account. Is 
this any different than a prepaid credit card?

b) Prepaid: If we are providing you with Prepaid Services, you will not receive a monthly bill. You 
must maintain a positive balance of funds in your Prepaid account in order to use the Services. To 
add funds to your account, you must "Top Up". Taxes are extra. Prepaid funds are valid for a 
specified number of days starting from the time on the day they are added to your account ("Active 
Period"). Unused funds will expire at the end of the Active Period. Expired Prepaid funds will be 
restored if you Top Up your account within 7 calendar days of their expiry. If you Top Up your 
account before your existing Prepaid funds expire (or are used up), then your Top Up will be added 
to your existing Prepaid funds and the Active Period for the Top Up will apply to the combined 
amount of Prepaid funds. Prepaid funds are non-refundable. Any Prepaid funds which are added to 
your account on a promotional basis will expire at the end of the Active Period and are not restored 
by Top Up. Any included but unused minutes, text messages or data in Prepaid Plans or Add-ons 
will not carry over beyond the applicable Plan or Add-on period. If you use an automatic Top Up 
program to add funds to your Prepaid account, the funds may take up to 48 hours to be deposited 
into your account. You cannot transfer any funds deposited into your Prepaid account to another 
account. 

XXXX