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Peoples Trust® Secured MasterCard® Credit Card Application
YOUR INFORMATION Simply  Fill In The Form And Print.
Ref - 15036
 
I prefer to receive my correspondence in English French
Last Name First Name Initial
Suite Street Address
City/Town Province Postal Code
Years at this address yrs. mos.   Own? Rent? Other?
Previous address if less than 2 years
Social Insurance Number - - Date of Birth (dd/mm/yyyy) / /
Telephones: Home  
- Work   - Cell phone   -
Email Mother's Maiden Name
Current Employer Yearly income
Employer Address
Years at current employment Occupation

Co-Applicant or Secondary Cardholder Information

Last Name First Name Initial
Suite Street Address
City/Town Province Postal Code
Years at this address yrs. mos.   Own? Rent? Other?
Previous address if less than 2 years
Social Insurance Number - - Date of Birth (dd/mm/yyyy) / /
Telephones: Home  
- Work   - Cell phone   -
Email Mother's Maiden Name
Current Employer Yearly income
Employer Address
Years at current employment Occupation

My signature means that I agree to the Conditions included with this form, and consent to, and accept this written notice of your obtaining a credit report or other information about me from any person. I also agree to the ongoing collection, use and disclosure of information relating to me as set out in the conditions and in the credit card agreement relating to my account. I agree that if no box is checked, I have expressly requested that any agreements and related documents be drawn up in English. Je conviens que si aucun choix n’est effectué, j’ai expressément demandé que toutes conventions et tous documents qui s’y ratachent soient rédigés en langue anglaise.

I/We the undersigned hereby declare that I/we am/are not acting on behalf of a third party and that the account referred to herein does not have any beneficial owners.

Applicant's signature X   Date (dd/mm/yyyy)
Co-applicant signature X   Date (dd/mm/yyyy)
Select this box if you would only like to receive one copy of the monthly statement.
Personal Cheque (only acceptable form of payment) enclosed for $ (Minimum of $500.00)

After completing this application form, send it together with your personal cheque to: Peoples Trust, P.O. Box # 48235, 595 Burrard St. Vancouver, BC, V7X 1A1






I certify that the information given above is true and correct and by signing, I 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 of your affiliates, agents, service providers, successors and assigns to assess my creditworthiness for this application and my on-going creditworthiness, for determining my eligibility for any other products or services to be offered to me and for such other uses not prohibited by law. The Peoples Trust Credit Card is issued by Peoples Trust, a Principal Member of MasterCard®. By signing this application, I agree to abide and be bound by the terms and conditions of the Credit Card Agreement which Peoples Trust will send to me (as amended or restated from time to time). I agree that you may open a Peoples Trust MasterCard® account in my name ("Account"), issue me a card(s), Personal Identification Number and renewals or replacements from time to time. I agree that if I use my card or account, I shall be deemed to have requested and received the card, Account and Credit Card Agreement, and to agree with everything written in the Credit Card Agreement and this application. Where a co-applicant signs this application, we acknowledge the terms of this application 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 (in Quebec, solidarily) liable for any indebtedness incurred through the use of the card(s) issued pursuant to this application. The co-applicant will receive a duplicate statement unless otherwise selected on the application form.

I may obtain your privacy policy or review my options for refusing or withdrawing my consent, including my option not to be contacted about offers of products or services by contacting your Customer Service Center at 1-877-694-6200.

Security – Cash Collateral

As security for the performance of all my obligations relating to my credit card account ("Account"), including repayment of all credit extended through my Account, I pledge and grant to Peoples Trust Company and to Peoples Trust Financial Ltd and to their assignees (collectively, “Peoples Trust”), a first-priority security interest (in Quebec, a movable hypothec with delivery) in all funds, including interest on such funds, now or hereafter delivered by me to Peoples Trust (the “Funds”) as of the date of my delivery of such funds to Peoples Trust. The Funds will be held in an interest bearing account at Peoples Trust Company (the "Security Deposit Account"), with interest payable to me annually on the anniversary of the opening of the Security Deposit Account. Interest rates for the Security Deposit Account are subject to change. I agree to pay all charges and fees relating to my Security Deposit Account and the Funds, as disclosed to me from time to time by Peoples Trust Company. I will not grant any other party any interest in the Funds. I also understand that my Funds will not be returned to me until all of my indebtedness with respect to my Account is fully satisfied, all credit cards have been returned to Peoples Trust and all of my other obligations have been performed, and in no event will Funds be returned in less than 4 weeks after receipt of notice of termination of my account. If I have made a false or misleading material statement in this application, if I exceed my credit limit, fail to make a payment when due or otherwise default under the terms of the Peoples Trust Credit Card Agreement or the security agreement, or if Peoples Trust or I terminate my Account, Peoples Trust may, without notice to me or demand for payment, withdraw Funds from the Security Deposit Account and apply such amounts in satisfaction of any of my obligations with respect to my Account. If Peoples Trust hires a law firm to enforce its rights with respect to my Account or the Funds, I agree to pay Peoples Trust all reasonable legal fees and court costs that Peoples Trust incurs, to the extent permitted by law.

If approved, my Account will be charged a one time set up fee of $49.00 plus $29.00 for each supplemental card, which will be billed on the first statement. A monthly fee of $5.95 applies plus $2.95 monthly for each additional card. There is an over-limit fee of $29.00 for each month the credit limit is exceeded, and a NSF fee of $39.00 for each cheque or other instrument that is returned unpaid. The annual interest rate on unpaid balances for purchases is currently 19.5% and accrues from the date the purchase is posted, if the outstanding balance is not paid in full within 25 days of the statement date. The annual interest rate for cash advances is 24.5% and accrues from the date the cash advance is made until it is paid in full. There is a transaction fee of $5.00 for each cash advance. When the Account is in arrears for more than one month, the annual interest rate is 24.5% on all balances. These rates and fees are subject to change without notice. The minimum deposit required is $500.00 and the maximum deposit accepted is $25,000.00.

REV. JUNE 2009
 
SECURED MASTERCARD FEATURES
(all subject to change without notice)

Security Deposit and Credit Limit Minimum $500.00 – Maximum $25,000.00
Interest* Paid on Security Deposit 0.50%
Annual Percentage Rate for Purchases 19.5%; 24.5% for accounts in arrears
Annual Percentage Rate for Cash Advances 24.5%
Fees for Issuance and Availability of Credit Account Set Up Fee (one time non-refundable): $49.00 plus $29.00 for each additional card
Monthly fee of $5.95 plus $2.95 for each additional card
Grace Period for Payment for Purchases At least 25 days from the Statement Date. If the outstanding balance is not paid in full before the end of the grace period, interest is charged from the date the purchase is posted until it is paid in full
Transaction Fee for Cash Advances $5.00
Returned Payment $39.00 for each cheque or other instrument that is returned unpaid
Over Limit Fee $29.00 each month the outstanding balance exceeds the credit limit
Inactive Credit Balance $10.00 fee will be applied to inactive accounts which have been closed and which have outstanding credit balances

* Interest payable at time of closure only if MasterCard Card is active a minimum of one year Ref - 15036