|Home Trust Secured visa|
|Short Card Name||Home Trust Secured|
|Balance Transfer APR||19.99%|
|Balance Transfer Fee||19.99%|
|Cash Advance APR||19.99%|
|Cash Advance Fee||$2.50|
|Grace Period||21 days|
|Over Credit Limit Fee||$29.00 per billing cycle|
|Primary Feature||For Purchases or Cash Advances in a foreign currency, that foreign currency will be converted into Canadian dollars at the exchange rate set by Visa International in effect on the day the transaction is posted to your Account, plus a 2% currency conversion charge.|
|Marketing Copy||Over Limit Fee: $29.00 if the Debt is permitted to exceed the Credit Limit during any period covered by an Account Statement.|
These are fees charged for services requested by you and will be charged on the day the transaction occurs:
ATM Charge: $2.50 for Cash Advances up to $250.00 and 1% of Cash Advances for amounts greater than $250.00 up to a maximum fee of $10.00 for Cash Advances from an ATM displaying the Visa or Plus logo located in Canada; $4.50 for Cash Advances up to $300.00 and 1.5% of Cash Advances for amounts greater than $300.00 up to a maximum fee of $15.00 for Cash Advances if the ATM is located in United States; $5.50 for Cash Advances up to $366.67 and 1.5% of Cash Advances for amounts greater than $366.67 up to a maximum fee of $15.00 for Cash Advances if the ATM is located outside Canada and the United States. These fees are in addition to any other charges that may be levied by the owner/operator of the ATM.
Dishonoured (NSF) Cheque Charge: $45.00 for each cheque or other instrument used to pay Debt that is dishonoured by the financial institution on which it is drawn.
Statement Copy/Update Fee: $5.00 for a copy of your Account Statement for any other period other than the current statement period.
Sales/Cash Advance Draft Copy Fee: $5.00 for each copy of a Purchase or Cash Advance draft. No charge will be applied for any copy of a draft to which an Account posting error is determined.
Rush Plastic Fee: $39.00 for the delivery of a new or replacement Card by courier at your request.