3 Months No Payment, No Interest: Administration Fee is $0.00. Minimum Purchase (excluding taxes) of $0 is required. Any fees or charges financed on your Account (including Administration Fee, if applicable) will form part of your Purchase under the Promotional Offer (the Offer). No interest accrues and no payments are required towards the Purchase during the Promotional Period. If the balance of the Offer has not been paid in full by the Promotional Due Date, the Offer will end and will be automatically converted to an equal instalments financing plan: if the converted balance is less than $1000 by 12 equal monthly instalments; $1000 to less than $3000 by 24 equal monthly instalments; and $3000 or more by 36 equal monthly instalments. The Preferred Rate (21.9%) will then apply on any unpaid balance owing under the Offer at the time the Offer ended until it is paid in full. Any unpaid instalments after the Offer ended will have the Preferred Rate (21.9%) apply after the end of the Promotional Period until paid in full.
18 Months No Payment, No Interest: Administration Fee is $129.95. Minimum Purchase (excluding taxes) of $250 is required. Any fees or charges financed on your Account (including Administration Fee, if applicable) will form part of your Purchase under the Promotional Offer (the Offer). No interest accrues and no payments are required towards the Purchase during the Promotional Period. If the balance of the Offer has not been paid in full by the Promotional Due Date, the Offer will end and will be automatically converted to an equal instalments financing plan: if the converted balance is less than $1000 by 12 equal monthly instalments; $1000 to less than $3000 by 24 equal monthly instalments; and $3000 or more by 36 equal monthly instalments. The Preferred Rate (21.9%) will then apply on any unpaid balance owing under the Offer at the time the Offer ended until it is paid in full. Any unpaid instalments after the Offer ended will have the Preferred Rate (21.9%) apply after the end of the Promotional Period until paid in full.
12 Equal Monthly Payments with No Interest: Administration Fee is $59.95 (not applicable in Quebec). Minimum Purchase (excluding taxes) of $250 is required. The minimum payment for this Promotional Offer (the Offer) is based on a special repayment factor of 8.333% of the amount of the Purchase for a 12 month Promotional Period. Any fees or charges financed on your Account (including Administration Fee, if applicable) will form part of your Purchase under the Promotional Offer. If the minimum payment on the Account during the Promotional Period is not made, the annual interest rate ("Preferred Rate") of 21.9% will then apply on the unpaid balance owing under this Offer at that time until it is paid in full.
24 Equal Monthly Payments with No Interest: Administration Fee is $99.95 (not applicable in Quebec). Minimum Purchase (excluding taxes) of $250 is required. The minimum payment for this Promotional Offer (the Offer) is based on a special repayment factor of 4.167% of the amount of the Purchase for a 24 month Promotional Period. Any fees or charges financed on your Account (including Administration Fee, if applicable) will form part of your Purchase under the Promotional Offer. If the minimum payment on the Account during the Promotional Period is not made, the annual interest rate ("Preferred Rate") of 21.9% will then apply on the unpaid balance owing under this Offer at that time until it is paid in full.
36 Equal Monthly Payments with No Interest: Administration Fee is $149.95 (not applicable in Quebec). Minimum Purchase (excluding taxes) of $799 is required. The minimum payment for this Promotional Offer (the Offer) is based on a special repayment factor of 2.778% of the amount of the Purchase for a 36 month Promotional Period. Any fees or charges financed on your Account (including Administration Fee, if applicable) will form part of your Purchase under the Promotional Offer. If the minimum payment on the Account during the Promotional Period is not made, the annual interest rate ("Preferred Rate") of 21.9% will then apply on the unpaid balance owing under this Offer at that time until it is paid in full.
For accounts established in Quebec, a $35.00 Annual Fee applies on the Primary Card. An Account Statement will be provided monthly and cover a billing period (statement period) of 28-33 days. A 21 day interest-free grace period applies from statement issue date. The balance may be paid at any time before the Promotional Period ends.

Quebec Use Only

Average Daily Balance $500 $1,000 $2,000
Monthly credit charges based on the Preferred Rate of 21.9% $9.30 $18.60 $37.20
Monthly credit charges based on the Preferred Rate of 21.9% plus optional credit insurance (credit rate of 39.74% based on $1.39/$100 of coverage) plus sales tax $16.88 $33.75 $67.50
Annual Membership Fee (applies in Quebec Only) $35 (Primary Cardholder)
($0 Authorized User Card)