Canadian Tire Options MasterCard Rewards Rate is not 1%


Note: the CT Options Mastercard reward scheme has changed since this article was created and is now described in multipliers from a basic rate (eg: 2X or 10X depending on where you shop).  However, it is no more transparent now than it was when I was forced to investigate what my earnings were (and finding out it was less than the staff were telling me).  The content remains relevant from an customer relations and transparency point of view.  The reward rate is not calculable from the information on Canadian Tire’s web site or the Options Mastercard site, and may still be subject to the rounding issues described below.  See “Update 4” at the bottom for some information on the new programme.

Bottom Line Up Front

  • Depending on the specifics of how you spend your rate can be much lower than the commonly stated 1% cash back (in Canadian Tire ‘money’).
  • In my case the rate is closer to 0.86%.
  • I have moved on to the President’s Choice Financial MasterCard and am much happier with their transparency.
  • Based on what I learned when I cancelled my card (see the Aug 2012 update at the bottom of my post), Canadian Tire MasterCard is intentionally, unethically, misleading its customers to think they get a better rate of return than they really are.

 

The Details

One of our credit cards was recently automatically replaced with a new variant.  On looking at its reward level I decided I wanted to compare to my Canadian Tire Options MasterCard.  I recalled that the rate was 1%, but I wasn’t certain, so I opened up my most recent statement.  I was quite surprised when I did the math and found only 0.86%.  Given that we use only one credit card, and funnel most purchases through it, this is easily a $50/year difference in rewards.

When I first got the credit card, at least 10 years ago, I recall it being advertised at 1% (for purchases outside of Canadian Tire).  I can’t swear by it, but the 1% was sure stuck in my head.  Perhaps the rate had changed?  I went to the web site to check and see the following:

Header page on CTFS site for the Canadian Tire Options MasterCard

Well that’s less than helpful.  Interestingly, the other credit cards on offer from the same (Gas Advantage, Cash Advantage) site detail their rewards pretty well.  But there is a footnote – surely that will clear it up?

The unhelpful footnote for the Canadian Tire Options Mastercard

OK, not so much.  Neither does the legal text, which only talks about the generalities of reward programs.  But the footnote had a link to the Canadian Tire ‘Money’ Rewards Program Page.  Sadly, this doesn’t help either, and only starts making me a little angry:

The Canadian Tire Rewards Program - Unexplained

So, they reserve the right to change the program at any time, without a requirement of informing the program members, and even if someone wants to learn how they earn rewards, they have to call to determine their benefits.

I now pick up the phone and speak to a very nice and eager-to-help man.  At first he tells me the rate of cash back, in general, on non-Canadian Tire purchases, is 1%.  When I explain my issue to him, he further clarifies that sometimes the exact amount can differ, as purchases are rounded both up and down to the nearest dollar, so the exact amount of cash back will not be equal to 1%, but should be close.  When I tell him the large difference I’ve encountered, he digs deeper by examining my specific purchases and we find:

  • Purchases are always rounded down, never up.
  • Purchases seem to be rounded down in different increments depending on amount of money being spent.

For example, we looked at the following purchases and payback:

  • $1.84 resulted in 1 cent reward (rounded down to $1)
  • $73.33 was rounded down to $70 for reward calculation.
  • $244.61 resulted in a $2 reward (rounded down to $200)
  • $278.25 resulted in a $2.5 reward (rounded down to $250)

In general, it looked to me like:

  • in the <$10 range purchases were truncated to the nearest dollar
  • from $10 to <$100 range purchases were truncated to the nearest ten dollars
  • greater than $100 purchases were truncated to the nearest $50

I told him that I was pretty upset with this arrangement and that I would like someone from management to call me.  (I will just point out here that the guy helping me was great and spent a lot of time looking this info up with me).  I didn’t hear anything for a week, and just when I was getting ready to call back, a physical paper letter arrived in the mail (click either to enlarge).

Letter From Canadian Tire Options MasterCard (2)

The start of the letter explains how money is earned when shopping at Canadian Tire specifically (not really important in this comparison as I don’t spend enough money there to make a difference).  After telling me that the reward program on out-of-store purchases is “one of the most generous customer reward programs on the market” a set of examples follow.  While I’m not stating it the same way they do, in essence:

  • $278.25 is rounded down to $250
  • $244.61 is rounded down to $200

They then generically explain how purchases are handled:

  • Outside merchant purchase <$1 —- 1% rounded down to nearest 0.10
  • Outside merchant purchase >$1 —- 1% rounded down to nearest 0.50
  • [The remaining 3 calculations are for Canadian Tire stores/services/fuel specifically]

The calculations are generally what I saw but don’t explain the $73.33 purchase.  They’re obviously missing something because a purchase of $49 would, from the math and ranges they provided, be multiplied by 1% and rounded down to the nearest 0.50 – which would be zero.  So some sort of bracket is missing in their explanation and is likely a rounding down to the nearest 0.10 for purchases greater than $1 but less than $100.  (This is even more likely given that they have roundings of 0.10 for in-Canadian-Tire purchases).  If this is correct it is quite astounding – from the point of view of making small purchases in the $50 to $200 range,  the more you spend, the less of a reward you get, as a percentage, in general!  No wonder they don’t list the details online…

The last part of the letter is in regards to the benefits we receive for being “elite” members which increases our rewards by 20% but doesn’t affect the base rate – by which I mean, my base rewards would be exactly the same no matter if I was an elite member or not.  With the elite rewards added in, we earn close to the original 1%.

Bottom Line

Canadian Tire Options MasterCard is not the deal it used to purport to be, not the deal people think they are getting, and not even the deal its customer support people understand it to be.  I am now investigating other rewards programs (almost all of which obfuscate the rate of rewards in one way or another but at least they give you the details online) and will likely move to a card that doesn’t have such a blatant unnecessary and confusing formula as to how rewards are generated.  Come on Options MasterCard – if you only want to pay out at 0.86% then just make that the rate.  Stop taking advantage of the laziness of your consumers!

 

Update: Now including a link to a web search I had forgotten to include in this write up, seems to me to be shilling for the card, wherein the rate is given as 1% without any nuance.  Number 5 on Google search results.  That is the only information I can find on the rate being paid out.

Update 2 (15 Dec 2011): this article has recently captured some attention; it’s nice to see there are some other folks out there willing to look at their monthly statement.  No, I haven’t switched cards yet – but only due to laziness.  I am keeping my eyes open for a new contender.

Update 3 (2 Aug 2012): Wow.  Having switched to a new card a couple of months ago, I finally bit the bullet and cancelled my Canadian Tire MasterCard card today.  I wish I had recorded the call.  I was immediately transferred to an account specialist.  She asked why I wanted to close my account.  I told her that I had simply done the math and wasn’t getting the rate of return I had expected.  She told me (and I have to paraphrase here): “With our card you get 1% everywhere you shop”.

I found that really funny as clearly, you don’t, and I would have thought the specialist would know that.  I decided to clear it up for her and told her that this was in fact the exact reason I was cancelling – that the rate is actually much less because the amounts rewarded are rounded down, and it results in around 0.86% for my purchasing profile.  She then told me: “Well yes, we round down to the nearest $10.”

So holy crap, she knew this, but told me the 1% anyway.  But there’s more!  I then went on to say that yes, you round down to the nearest $10, but that there are different brackets of rounding according to a letter I received, and that the rounding is as much as the nearest $50.  She then said: “Yes, we round down to the nearest $50 when you spend above $100.”

So she knew!  The staff – their “specialists” – know this, even as they make a blanket statement of 1%.  This is no longer an artifact of a confusing system with ill-trained staff.  This is a deliberately misleading attempt to fool consumers into thinking they’re getting a better deal than they really are.  It’s crossed from incompetence into the realm of the unethical.  I’m very disappointed in Canadian Tire.  And looking at your comments below, I wasn’t the only one who didn’t know how the card works.

Update 4 (1 Dec 2014): As noted in a comment from today, the program has changed. Visting the Options Mastercard site I see the following:

New Rewards Information

It is obvious that they’re going for a new approach.  I haven’t been to Canadian Tire for a while, but it seems they have a collector card for e-money now that will work irrespective of using their credit card.  So, I think what is being shown here is that you can earn more money than the normal collector rate by using your CT Options Mastercard at Canadian Tire itself, along with their subsidiaries.  However, our line of particular interest is this:

“Collect 2X e-Canadian Tire ‘Money’ everywhere else you shop†”

OK, got it.  2X.  Twice.  Double.  That’s a lot.  Not 10X good, but I can shop at any merchant and still get the 2X rate.  However… right now I get no e-Canadian Tire ‘Money’ when I shop elsewhere…so 2X still doesn’t feel like much.  But the disclaimer symbol (†)is here to help… let’s go see what it has to say.:

† In the form of e-Canadian Tire ‘Money. Terms and conditions apply to collecting and redeeming. Visit canadiantire.ca or ctfs.com/ctm for more information. Canadian Tire Options MasterCard cardmembers paying with their Options MasterCard collect e-Canadian Tire ‘Money’ at a rate that is 10X the rate at which other members of the My Canadian Tire ‘Money’ program collect e-Canadian Tire ‘Money’ on purchases made by such other members at Canadian Tire stores (if those other members paid by cash, debit or a credit card not linked to this loyalty program). The offered rate is exclusive of any bonus or promotional offers or redemption transactions.

Uh oh.  This is starting to sound familiar.  Leaving aside the oversight that the paragraph is only talking about 10X rewards and not 2X rewards, it seems that the reward rate is defined by another reward rate that they’ve chosen to explain elsewhere.  Maybe this can be cleared up with a visit to ctfs.com/ctm…

Nope.

I would like to post all of the leagaleese I found there, but your eyes would glaze over and you might never reach the end of this entry.  So let’s focus on this gem:

“The rate at which eCTM can be collected may vary from time to time and by location and is subject to change by Canadian Tire without notice.”

So whereas before we had a credit card reward program with an ill defined rate of return (that could change without notice) it seems Canadian Tire has now piggybacked its credit card program onto its e-Canadian Tire ‘Money’ program.  But, somewhere along the way it changed the Canadian Tire ‘Money’ deal so that you don’t know what your rate of return is, and it can change any time without notice.

My best guess at this point is that if you knew the rate at which eCTM is being payed out that you could double that for shopping outside of Canadian Tire.  But it isn’t explained on either of their web sites and I don’t feel sufficient self-loathing to call their customer service and inquire again.

I think it makes sense for Canadian Tire to express their card earnings as a multiplier of their basic rewards.  I see how they have been forced to enter a digital rewards program for efficiency as well as to play in the customer shopping habits space (as all reward programmes do).  And in so doing, it makes a lot of sense then to just express the Mastercard benefits as a multiplier of the normal benefits.  What’s sad is that they seem to have really tinkered with their ‘Money’ reward payout scheme, making it difficult to understand, and then hidden it behind closed doors hoping no-one will ask.

In all fairness though – if you are a Canadian Tire Family junkie – shopping at SportChek, Mark’s, and Canadian Tire, this might be a good deal.  But without knowing the base rate, you can’t be sure.  And I suspect it will be next to impossible to find out how much you’re earning on purchases at other retailers.  Until they publish a rate, use this card only in the CT Family, or just find another card with a published rate and focus your efforts there.

78 Comments

  1. Comment by Mike LeSauvage on July 31, 2013 at 11:25 am

    I’m very happy you followed up on that with us Duncan. Sorry you got no joy with the commission.

    Lots of activity here lately – I wonder if CT is running promotions or if people are just going through a period of belt tightening…

    Reply

  2. Comment by fred on October 1, 2013 at 7:43 pm

    Thanx for posting this I just got my new options card and will now only use it at CT and the CT gas Bar!
    Getting the PC card now also
    Good research on your part! But on the bright side it beats paying 5o bucks to get a card from the capital one guys!

    Reply

  3. Comment by Bubba on October 2, 2013 at 2:27 am

    AWESOME ARTICLE !!!

    Thanks, I’m now looking in to a different card.

    Reply

  4. Comment by Anonymous on December 1, 2013 at 3:09 pm

    I am cancelling my card. I recently went to Canadian tire, purchased two articles and used my money on the card leaving me a balance of 45.82 on the card. Two days later took my car in to have my winter tires put on and when I went yo use the balance of money on the card they said my balance was 0. I phoned MasterCard and they said the it was a busy season and I used my credit card a lot. I do use my card but I pay it off in full at the end of the month and I’m sure it’s not used as much as some. They also said that my 45.82 could not be put back on my card for two weeks. This was not the reason for this to have happened and it was not the first time this has happened but the first time I complained about it. I find them completely dishonest and when this bill comes in it will be paid and never used again.

    Reply

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  6. Comment by JC_Ontario on December 20, 2013 at 10:26 pm

    This is a very interesting thread, and Mike, you have done a lot of good work. I will throw in a little bit more info, just in case it may help someone make a choice. I, too, have been a CT Options Mastercard holder since…..well pretty well since they started. I did not follow the numbers in detail in the early years as Mike did, but I was often accosted at the local grocery store to get a PC card, and I would do the math and see I was getting between 1.1 and 1.4 %. But I believe this was also after CT upgraded my wife and I to Elite status. We used our card a lot–$35,000 – 50,000/yr, always paying full amount each month. I believed it was the best no-fee card readily available in Canada. But I admit, when we started to travel more, we checked out cards with fees, to see if, in total, here were some better picks. We ended up going to the Capital One World Travel card, and we are very happy with it. $120 annual fee–with an annual top up of 10,000 points which is $100 if used properly, 2% on all purchases, and a very lengthy and valuable list of benefits like warranty extensions, travel insurance, cancellation, rental car, etc. They are a little more sticky than some on the application side, but this has been a great choice for us. No word from CT yet if they have realized that I now use my CT Options card for 2-3K/yr instead of 50k, but we’ll see about that. And don’t forget about that redemption deal tomorrow where they will give you back $75 dollars in redeemed points!

    Reply

  7. Comment by DC on March 20, 2014 at 3:17 pm

    I got a 3.85% return on a gas purchase today. For a free card, that’s not a bad rate of return. I agree with the fact that they are misleading consumers and that is not right. I would strictly keep it for the gas bar since it is located close to my house. Otherwise, there are better cards out there that can yield up to 2% cash back on purchases.

    Thank you Mike for giving us a better understanding of how the reward program works!

    Reply

  8. Comment by Toykykid on May 20, 2014 at 1:26 pm

    Hummmm… I have been a PC card guy for 5yrs now and use it for everything. I dont carry a balance over and just get points.
    I recently (Until today) was actually going to make my CT as my new primary. I only applied for it for their ”12 month equal billing” for new tires on my Murano. I think i’m gonna hafta look into it further now as there probably are hidden charges in doing so, eh?

    Reguardless… Informative article that I will be sharing with family and friends.

    Thanks again Mike for your research

    Reply

  9. Comment by David on July 3, 2014 at 10:34 pm

    Thanks Mike for your research.
    I also feel the CT Options Mastercard doesn’t have 1% CT money back.
    MBNA Smart Cash back has 2% on gas and grocery shopping, and other purchase has 1% cash back. It’s much better than CT Options Mastercard.
    MBNA money back calculation is very clear, you can check the statement and cash back online.
    But how CT money’s calculation is hidden. I can’t find it on any website.
    I’m going to use PC Mastercard instead.
    There is one good thing to use CT options Mastercard: pay Toronto property tax and Toronto water bill monthly online.
    These payments will be counted as shopping and you can get less 1% CT money back.
    Other Mastercard doesn’t allow pay bill online.
    Finally, you can use MBNA or PC mastercard to purchase things, use CT mastercard to pay monthly bill and shopping at CanadianTire.

    Reply

  10. Comment by bluebel on September 22, 2014 at 11:40 pm

    Judging from your findings, you can beat canadian tire at their tiering game. Buy gift cards. At exactly $10, $20, $100 then use them. Then ctfs cannot screw you over.

    Reply

  11. Comment by mlepage on October 26, 2014 at 4:05 pm

    Just went through the exact same web searching to try to find the reward rates, found the same pages, thought it odd it didn’t say online, and then phoned. Didn’t wait to speak to a person. Then searched and found this page. Ugh. That’s it, I’m switching cards.

    Reply

  12. Comment by rachel on November 3, 2014 at 5:47 pm

    My husband has CT master card and I want to see the difference with the PC financial MasterCard. Where do I look on his bill to figure out what % he is getting back. I don’t know how you all figured it out to see of they are rounding it down still. Have they made changes to the CT MasterCard since 2011?

    Reply

    Reply by Mike LeSauvage on November 3rd, 2014 at 8:22 pm

    Take the amount of CT “money” you earned on your bill (I’m pretty sure they show that). Divide this by the amount you spent on that bill. Don’t include interest or cash advances.

    You might do a lot better than 1% if you spent a ton of money at Canadian Tire itself – and if there were any point bonuses on products you bought, or from fuel purchases, etc. If that’s the case, you need to look at another bill as it won’t reflect your rate outside of the store (unless you basically get everything you need in life at Canadian Tire…)

    As for current policies… About six months ago, I checked in a store where they were trying to get people to sign up for a new card. After I pushed the salesperson for about 5 minutes, she did admit how the program worked (though there was confusion from her co-workers amusingly) and it wasn’t any different than the research I posted here. I haven’t checked since, but the above comment from 26 October does make it sound like they still aren’t disclosing the rate online, which I think is telling.

    Reply

    Reply by RubberCheese on November 9th, 2014 at 12:01 am

    Rachel – there is a section on your CT Options bill (I think near the top right) that shows you “New CT Money Earned” or something to that effect.

    Just take that number and divide it by your overall purchases (will be the same as your total bill provided you didn’t make any payments since your last bill).

    For example, if you earned $40 in CT money on $5000 purchases, that would be 40/5000=0.008 which represents a 0.8% return.

    I believe that they still round purchases down, except for online bill payments where they pay exactly 1%.

    Reply

    Reply by RubberCheese on November 9th, 2014 at 12:01 am

    Ah sorry, didn’t notice Mike’s answer posted already!

    Reply

  13. Comment by Crybaby on November 9, 2014 at 6:54 am

    I have a CT card and even then very rarely use it to buy gas only.
    I go to a CT store at most 6 times a year.
    My comment here is about rounding up at that CT store with cash payment.
    Last Xmas, I noticed that my bill was rounded up to 10.80$ instead of 10.75$
    when the actual cost was 10.77$.
    After about 15 minutes, the head cashier was called.
    She manually reduced my payment to 10.75$ because the register always rounded up.
    The rounding up happened again this summer. I said I will complain to consumer
    protection and left as I did not want to waste time.
    Anyway I went up to Finance Ministry as consumer protection refused to get involved.
    The letter reply I received was that rounding is up to the business.
    There is no law but a guideline to be fair and I was free to take my business elsewhere.

    Reply

    Reply by Bluebell on February 24th, 2015 at 4:45 am

    They are allowed to round up if its 10.77. They are not breaking the law. They rounded down for you because they didn’t want to argue with you and waste time. CT isn’t breaking the law or rounding up wrong. They are following the rules.

    Reply

    Reply by Mike LeSauvage on February 24th, 2015 at 9:19 am

    Crybaby clearly noted “There is no law”, so I don’t see why you are correcting him. But at the same time, I don’t know what rules they are following. They’re making their own rules. What I have posted about here is that they don’t tell you what those rules are, I have seen them generalize and imply that the deal is better than it is, and they can change the rules without telling you. People can decide what to do with that as they wish.

    Reply

  14. Comment by Omega One on November 12, 2014 at 12:01 pm

    I just reviewed my CT Options World Mastercard statement(Nov 2014), and they stopped showing ‘CT Money Earned’ on the card. It just shows a balance now. No idea how much I redeemed or earned since the last statement.
    Sneaky way of keeping users in the dark!

    There may be a website showing how much e-CT money earned, but I don’t know of any.

    Reply

    Reply by Omega One on November 12th, 2014 at 12:24 pm

    Reviewing my Oct 2014 statement and it has the Canadian Tire Money on the Card awards:
    Previous Balance
    New CT ‘Money’ Earned
    Ct ‘Money’ World Bonus
    Adjustments/Returns
    Ct ‘Money’ Redeemed
    Current Balanace

    This information has been removed in the November 2014 statement as part of their new look (the statement now separates purchases by credit card; my wife has a card on my account). This statement only has the balance of e-CT ‘Money’

    Reply

  15. Comment by Paul Burns on December 1, 2014 at 1:05 am

    The loyatly program on the options mastercard has now changed since this article was created.

    Collect 10X e-Canadian Tire ‘Money’ every day at Canadian Tire stores, including on automotive service
    Collect 10X e-Canadian Tire ‘Money’ every day at Sport Chek®, Mark’s®, PartSource® and Canadian Tire Home Services

    Collect e-Canadian Tire ‘Money’ at participating Canadian Tire Gas Bars
    Collect 2X e-Canadian Tire ‘Money’ everywhere else you shop

    Reply

    Reply by Mike LeSauvage on December 1st, 2014 at 9:45 am

    Nice find, thanks. I did some research on those rates you can now see in “Update 4” above. As a consumer, you need to ask: “10X what”? As far as I can tell, Canadian Tire doesn’t tell you; they can change it at any time without telling you; and the base rate may still have all the same rounding shenanigans going on as before.

    Reply

  16. Comment by Scott on December 10, 2014 at 9:42 am

    I just phoned the Canadian Tire MasterCard customer service line and was advised that their new program came into effect on October 28th and offers a flat 1% CT money reward on all outside purchases (they specifically stated that there is no longer any rounding) and 10x on purchases at CT stores. The “regular” CT money reward program at CT stores offers 0.4% CT money, and so with the 10x multiplier you get 4% CT money for purchases at CT stores. I will have to monitor my statements to see how they calculate the rewards. The 4% reward at actual CT stores seems too good to be true.

    Reply

  17. Comment by Quan on February 3, 2015 at 2:12 pm

    Thanks so much for your project about the BE-AWARE Canadian Tire Options MasterCard. I got pissed off when I found out that there are extra monthly charges like purchase insurance, cash advance,.. a few years ago. I did not even know that the 1% award point is not true until now when I see your webside. They lie. I hope everyone will read your blog, and bring the matter to court.

    Reply

  18. Comment by Bluebell on February 24, 2015 at 5:28 am

    With deductive reasoning from the news post of their new loyalty bonus card, rders have managed to figure out the ct’s card true rebate rate now. The basic loyalty card that you can use and pay with any form of payment nets you 0.4% as mentioned by ct in a press release. So the options card says 2x rewards rate everywhere else so that means 0.8% return rate everywhere else. 10X Rewards rate at ct family of stores gives you 4% back in rewards.

    Do note that you now get the full 4% back at ct and ct family of stores when paying with the options card. I have no idea about other purchases though

    Reply

    Reply by Mike LeSauvage on February 24th, 2015 at 9:25 am

    Thanks for the info. Sadly though, you shouldn’t have to be doing deductive reasoning to unwind the Byzantine payback structure of your reward program. The company should simply state how the program works, clearly, and let you know if it changes.

    I couldn’t find the press release, but even if they have stated the current plan, the fact is that they still don’t tell you what the rate is on their web site. I just went there now, and it still directs you (in the fine print) to go to https://www.ctfs.com/Products/CreditCards/OptionsMasterCard/CTMoneyRewards/ This is what that page tells you:

    “The rate at which eCTM can be collected may vary from time to time and by location and is subject to change by Canadian Tire without notice. In addition, you may collect eCTM at a different rate if you pay with a Program Credit Card than you would if you use a My Canadian Tire ‘Money’ Card (or Cardless Method). Please call 1-800-226-8473 for current rates.”

    I would also point out that if your current deductive reasoning is correct, that is still a 0.8% return, not 1%. For some reason, many CT Options MC holders believe they receive 1% outside of Canadian Tire.

    Reply

  19. Comment by Phil on July 1, 2015 at 9:05 pm

    Thanks Mike. Very informative post. For months now I have been trying to answer the same question “10x of what”. I needed to know that as I have been using their Gas card for a few years and recently got the Options card. My purchases at CT is mainly gas. From my first gas fill up with the Options card I realized that the touted 10x in benefits was a scam. My gas card would have gotten me $2.25 discount at the pump (45 liters x 5 cents) whereas the Options card got me 80 cents in e-money. Even if I have to spend $500 to get my 5 cent discount I figured that the Gas card is giving me the equivalent of 2+% back each month. I’m cancelling that Options card. CT is not being transparent with their customers on the benefits. Not nice.

    Reply

  20. Comment by Jerry on July 9, 2015 at 12:42 pm

    I wanted to make a large purchase at CT so I phoned the Financial service to ask what the Reward in CT money would be and she told me it would be 4% if that was purchased at a CT store. I was ready to destroy my CT master card but I’ll use it for the purchase.

    Reply

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