Interest Payable on deposits 2% p.a. Interest Collectable on outstanding balance Retail Sales generated 19.5% p.a. Cash Advance generated 24.5% p.a. Application & Set-up fee $49.00 Monthly maintenance fee $5.95 Cash Advance fee per transaction $5.00 Over Limit fee per occurrence $29.00 Additional Card (Supplementary) per account $29.00 Maintenance fee for supplementary card $2.95per card per month Currency conversion premium 2.5% Duplicate sales draft $5.00 per page Duplicate Statement $2.50 per page

Secure MasterCard Conditions

Applicant must be a Canadian Resident, age of majority.

Must be discharged from bankruptcy if applicable.

Applications will not be processed unless accompanied by the security deposit in the amount of the requested credit limit.
(Minimum $500.00 - Maximum $10,000.00)

Security deposit must be from the applicant and can only be a Personal Cheque or Personal Certified Cheque.

As security for the credit requested from HorizonPlus Financial, funds equal to or greater than the requested credit limit must be placed on deposit with People's Trust and assigned to HorizonPlus.

Applications that are declined will be notified promptly. The funds provided as security for the application will also be returned with the decline notice.

Minimum monthly payments on the account will be 3% of the balance or $10, whichever is greater.

Delinquent accounts will have privileges suspended and if in arrears for more than 60 days, the cards will be cancelled and the security deposit will be liquidated to cover the outstanding account balance together with any charges, fees or interest that is due. The balance of the security deposit, if any, will be forwarded to the cardholder after HorizonPlus is satisfied that no additional charges are outstanding against the account.