I certify the above information to be true and
correct and by signing below accept as notice in writing of, and
consent to, collection, use, disclosure and verification of any
credit, personal or other information about me at any time from,
to or with any credit reporting agency, credit grantor, or any other
person and I authorize those parties to give information to you.
I understand that all such information shall be collected, used
and disclosed by you, and any affiliates, agents, service providers,
successors or assigns thereof to assess my creditworthiness for
this application and my on-going creditworthiness, for determining
my eligibility for any other products and services to be offered
to me and for such other uses not prohibited by law. By signing
this application, I agree to abide and be bound by the terms and
conditions of the Cardholder Agreement which Home Trust will send
(as amended or restated from time to time). I agree that you may
open a Home Trust Visa account in my name ("Account"),
issue me card(s), Personal Identification Number and renewals or
replacements from time to time. I agree if I use my card or Account,
I shall be deemed to have requested and received the card, Account
and Cardholder Agreement, and that I agree with everything written
in the Cardholder Agreement and this application. Where a co-applicant
signs this application, we acknowledge the terms of this applications
and all consents given in it bind both of us, and all references
to "I" shall mean the applicant and co-applicant individually.
Each applicant and co-applicant, shall be jointly and severally
liable for any indebtedness incurred through the use of the cards
issued pursuant to this application. I may obtain your privacy code
or review my options for refusing or withdrawing this consent, including
my option not to be contacted about offers of products or services.
My Security Deposit will be held in an interest bearing account
with interest payable to me annually on the anniversary of the opening
of the Security Deposit Account. Interest rates for the Security
Deposit are shown on my Account Statement and are subject to change.
I am required to make regular payments of 3% of the outstanding
balance or $10 (whichever is greater) on my Account. Failure to
do so will result in forfeiting the Security Deposit up to the amount
of the Debt Owing.
A monthly fee of $6 applies, plus $3 monthly for
a co-applicant beginning with the second statement. If approved,
your account will be charged a one-time set up fee of $25, which
will be billed on your first statement. There is an overlimit fee
of $29 for every month the credit limit is exceeded and an NSF payment
cheque fee of $39. Annual interest rate on unpaid balances is currently
19.50% for purchases and 21.50% for cash advances. For Accounts
in Arrears the annual interest rate on unpaid balances is 24.50%.
These rates and fees are subject to change with notice. Deposit
minimum is $500. Deposit maximum is $5,000. ** My Social Insurance
Number is required on this application for tax reporting purposes
on the interest from my Security Deposit account.