1. By agreeing to this Pre-authorized Credit and Debit Card Service, you acknowledge that authorization is provided for the benefit of the international student health fee (Health Fee), Revenue Services of British Columbia (RSBC) and your Card Issuer and is provided in consideration of your Card Issuer agreeing to process charges to the credit or debit card (Card) that you have provided to us.
2. The amount to be charged to your Card may vary as the Health Fee is subject to change. RSBC and your Card Issuer will process charges against your Card without any pre-notification from RSBC, or consent by you.
3. If your Health Fee account is in arrears, the payment will include any outstanding balance.
4. Your Card will be charged on the 15th of each month or, when the 15th is on a weekend or statutory holiday, on the next business day.
5. RSBC requires at least 1 calendar day in advance of the next payment date to change or stop future payments, where changes are made through the BPS website. To make changes or to cancel, log in and go to the account page. Alternatively, you may contact RSBC at least 14 calendar days in advance of the next payment date.
6. If you or RSBC terminate this Agreement, only the payment method is affected; your health coverage under the Health Fee account will not be terminated.
7. If charges are declined or charged back, we may terminate the Agreement. You will be notified of the outstanding charges by email to the email address on your Billing & Payment Services profile. RSBC will cancel this Agreement if there are no charges to the Card for 12 consecutive months.
8. Your Card Issuer is not responsible for verifying whether payments have been charged in accordance with the particulars of this agreement.
9. You can dispute a pre-authorized credit or debit card charge under the following conditions: a) The charge was not made in accordance with your authorization; or b) The authorization was cancelled in accordance with the terms and conditions of this agreement.
10. To be reimbursed for a disputed withdrawal, complete a declaration that one of the above conditions took place. Present the declaration to the Card Issuer within the time specified on your Card Holder agreement.

Please note the following requirements for your MSP account, which is administered by Health Insurance BC (HIBC):

1. International students enrolled in MSP are invoiced a monthly health fee. The fee is payable for any period that you hold a valid study permit.
2. Please contact Health Insurance BC (HIBC) if your legal status in Canada changes or if your address changes.
3. The Medicare Protection Act requires that you notify MSP within 10 days of a new address or name change for your account. Go to MSP Account Change Request.

Signing this application provides authorization for the benefit of the Province of British Columbia and our financial institution and is provided in consideration of your bank agreeing to process debits against the bank account indicated on the front of this form (hereafter referred to as "your account") in accordance with the rules of Payments Canada. For more information, visit Payments Canada at www.payments.ca/paying-pre-authorized-debit

The International Student Health Fee (ISHF) must be paid in the usual manner until you are notified that your pre-authorized debit (PAD) arrangement is in effect. If your account is in arrears, the first PAD withdrawal will include any outstanding health fees, dishonoured banking instrument fees and your current health fee.

The PAD amount may vary as health fees are subject to change and the amount may include an amount for overdue health fees or a dishonoured banking instrument fee. Revenue Services of British Columbia and your bank will process debits against your account and withdraw all such amounts without pre-notification to you as required by Payments Canada, Rule H1.

Revenue Services of British Columbia will issue a billing invoice, prior to the monthly withdrawal date, mailed to the address associated with the ISHF account if there is an adjustment (debit or credit), a non-sufficient funds (NSF) charge or a rate change in the monthly health fee.

The ISHF PAD withdrawal will take place on the 28th of each month or, when the 28th is on a weekend or statutory holiday, on the next business day. The agreement will continue until the ISHF account is closed or the agreement is cancelled by you or Revenue Services of British Columbia.

Any pre-authorized payment dishonoured by your bank may result in a dishonoured banking instrument service fee being applied to the ISHF account. Neither Revenue Services of British Columbia nor the Province of British Columbia is responsible for any additional service fees charged by your bank.

The PAD plan will be cancelled by Revenue Services of British Columbia after two consecutive monthly pre-authorized withdrawals are dishonoured by your bank due to NSF or "Funds Not Cleared," or if a pre-authorized withdrawal is returned for any other reason or if the ISHF account is closed due to your withdrawal from the Medical Services Plan.

You will be notified of any returned payment or cancellation of this agreement by Revenue Services of British Columbia by written notice to the current address on your account.

You may cancel this authorization by notifying Revenue Services of British Columbia at least 21 calendar days in advance of the next pre-authorized debit withdrawal. Failure to provide required cancellation notice may result in a service charge fee if the payment is dishonoured.

You have the right to dispute any debit that does not comply with this "Personal PAD" agreement. For example, you have the right to receive reimbursement for any debit that is not authorized or is not consistent with this PAD agreement. To understand your recourse rights, contact your bank or visit Payments Canada's website.

Neither the termination of the pre-authorized debit plan by Revenue Services of British Columbia nor cancellation of this authorization by you terminates British Columbia health coverage under the ISHF program; only the method of payment is affected.