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Air. Water. Food. Warmth. Credit. Don't be denied one of life's basic needs. Having a major credit card isn't just a luxury anymore. If you have no credit history, or have had credit troubles in the past, getting a card can be very difficult. And as you know, without a card it is very difficult or even impossible to make a hotel reservation, rent a car, make purchases by telephone or over the Internet, or even rent a video. Home Trust is here to help. The Home Trust Visa card offers you the flexibility, convenience, and opportunities that you may have been previously been denied. Accepted at over 450,000 Canadian locations and over 16 million worldwide. Cash advances available at over 620,000 ATMs displaying the VisaŽ logo. Your security deposit account earns one of the highest savings rates available. Your card provides an excellent form of identification. Flexible monthly repayment to reflect cash flow. Secondary card available. Convenient, affordable monthly fee. Few are excluded. The Home Trust VisaŽ is a credit card that requires a security deposit, on which Home Trust pays a GIC rate of interest, for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $1000, or as much as $10,000. It's very simple and few are excluded. The application process is very simple and almost everybody is approved! Of course, if your application is not approved your security deposit will be immediately returned to you. There is a monthly fee of $7.50 for the first card issued to the account plus an additional $3.00 for a secondary card. The interest currently being charged on outstanding balances is 19.50% per annum for purchases and 21.50%, for cash advances (with associated ATM processing charges). If the account is maintained in good standing by making a minimum monthly payment of 3% on the outstanding balance, there are no additional fees. If you decide to cancel your card, you can just pay off the balance, and you'll get your security deposit - plus interest - back from Home Trust. And for your peace of mind, you'll be pleased to know that Home Trust is a Member of CDIC (Canada Deposit Insurance Corporation). So don't get left out just because you don't have a credit card. Apply for your very own Home Trust VISA card today. You'll earn interest while building or rebuilding your credit. It's that simple. You'll start building a solid credit rating, and be able to enjoy all the advantages of being VisaŽ cardholder, the most widely accepted card in the world. Make life more convenient now. Rent your favourite movies. Book tickets over the phone. Purchase goods online. Access cash anytime from almost anywhere. Everything's easier with a Home Trust VisaŽ card. So why deny yourself? Get started by filling out an application today.