TERMS & CONDITIONS

*O.A.C. Subject to terms of your Flexiti cardholder agreement. Offer valid for residents of Canada (excluding Quebec). For no payments deferred plans, no payments are required during the promo period, except for payment protection insurance premiums and taxes, if applicable, which are billed monthly. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. For equal monthly payment plans, no interest will accrue during the promo period and monthly payments include premiums for payment protection insurance and fees, if applicable. If any payment is missed, the promo offer may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% and 37.99%. Any balance at the end of the promo period bears interest at the AIR. Admin fees apply and will be financed with purchase; fee amounts are based on purchase amount and promotional term length, ask a sales representative for details. Promos and terms may be changed without notice. Conditional upon ID verification and on approved credit and valid email address required. Applications may be subject to a secondary, manual review. Financing provided by Flexiti Financial. Flexiti and the Flexiti design are trademarks of Flexiti Financial Inc.

**An annual fee applies to your account in accordance with your cardholder agreement but may be waived depending on the merchant at which you applied for your account.