* On credit approval. An annual enrolment fee, as set out in the Account Agreement, may be charged to your Account subject to certain conditions. Financing is provided by Fairstone Financial Inc. and is subject to all of the terms and conditions of your Cardholder Agreement and Disclosure Document provided to you at the point of sale (collectively the "Account Agreement"). A reduced Credit Charge rate will be calculated on the Purchase. The amount of the purchase, plus the Credit Charge, is divided by the term to arrive at equal monthly amounts due at the end of each billing cycle. Interest is calculated in advance and included in each monthly payment. If the Minimum Payment is not made by the due date or if there is a Balance remaining after the Promotional Period has expired, a Credit Charge will be calculated at the APR set forth in the Retail Credit Agreement and the Statement of Conditions.

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