• Use up to 85% of the equity in your home to secure a credit limit of $10,000 to $250,000¹.
• Use only what you need, when you need it, up to your available credit limit.
• Use it for consolidating higher-interest debt, making home improvements, helping with business start-up
  or operating costs, or even for managing unexpected or everyday purchases - it's entirely up to you.
• Monthly payments as low as 1% or 1.5% of your outstanding balance or $10, whichever is greater².
• Make additional payments at any time without penalty

• Competitive interest rates of 7.99%, 9.99% or 11.99%².
• You only pay the interest on the credit you have used.
• Replace high interest bills with one lower monthly payment.
• No annual fees - just a one-time account set-up fee of 2% of the approved credit limit and a legal fee of
  approximately $350 to $500 (varies by province) will be charged to your VISA account³.

• Apply only once - and it is set up to use when you need it.
• Access your credit by writing a convenience cheque, using any ATM with a VISA logo, or using your VISA card.
• Accepted in approximately 600,000 locations across Canada, in more than 150 countries with access to
  more than 950,000 Automated Teller Machines worldwide.
  

• Auto Rental Collision/Loss Damage Insurance:⁴ Save money by being able to waive the coverage offered by the car rental company!
• Emergency card and cash replacement: If you need an emergency cash advance or replacement card,
  just call VISA at 1-800-847-2113, 24 hours a day 7 days a week from anywhere in the world.
• Guaranteed hotel reservations: When you charge hotel reservations to your Home Trust Equityline VISA card, be sure to request a
  "guaranteed reservation." That way, your room will be held, even if you arrive later than expected.
• Health and Legal Assistant Services:⁵ Whether travelling or at home, you have a source to turn to when you need medical or
  legal information on a wide range of topics. Call 1-866-358-4140 for access 24 hours a day, 365 days a year to Assistance Coordinators
  who can refer you to health and legal experts.

® Visa Int./Home Trust Company, licensed user of mark.
¹Subject to credit approval.
²Interest rate, available credit and repayment terms will vary based on applicant's income, credit history and home equity available.
³Borrower is responsible for any appraisal fees (approximately $250).
⁴The VISA Collision/Loss Damage Insurance program is underwritten by Royal and Sun Alliance Insurance Company of Canada and is provided by a group   policy issued to Visa Canada Association. Complete terms and conditions, including exclusions and limitations, are outlined in the Certificate of Insurance   provided with your card.
⁵Health and Legal Referral Assistance services provided by Sigma Assistel Inc. Additional coverage information is outlined in the Cardholder Agreement provided   with your card.  Rates and fees subject to change without notice.  Offer only available in Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Ontario and PEI.