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PERSONAL CREDIT AGREEMENT COMPANION BOOKLET

PERSONAL . CREDIT . AGREEMENT . CO M PA N I O N B O O K L E T. MAY 2020. Please read this BOOKLET 1 Section Mortgage Default 25. Section Progress Draw Construction 26. Part 1 3. Section Interest 27. Section Language 3 (a) Fixed Rate Mortgage 27. Section What's in this BOOKLET ?.. 3 (b) For Variable Rate Mortgage Loans (VRM).. 27. Section Definitions you need to 4 (c) Compound 32. Section Prepayment of your Mortgage 32. Part 2 General Terms and Conditions for all CREDIT 8 (a) Open Mortgage 32. Section General Terms and 8 (b) Closed Mortgage 33. (a) 8 (c) Prepayment 34. (b) Who is bound by the AGREEMENT ?.. 8 (d) Miss-a-Payment 37. (c) Separate Agreements and 9 (e) Cashback 37. (d) Security 9 (f) If you Move (Porting the Mortgage Loan).

3 4 PERSONAL CREDIT AGREEMENT COMPANION BOOKLET PART 1 Introduction Section 1.01 Language Choice You have requested that the Agreement and all …

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