¹ Subject to credit department approval. Applicant must be a Canadian citizen or permanent resident of Quebec or Ontario. Certain conditions apply.

² 21-day, interest-free grace period from the date of issue of the monthly statement to pay off the entire statement balance without incurring credit charges, except on cash advances. The minimum payment is 5% of the total of: the balance shown on the statement for the previous period, credit charges for unpaid purchases and monthly instalments at the end of that period, current purchases and cash advances for the period covered by the statement, and credit charges on cash advances, plus any other amounts stipulated in the credit card agreement. Examples of applicable credit charges: if the average daily balance is $100, $500 or $1,000, the interest charges for a 30-day billing cycle will be $1.64, $8.18 and $16.36 respectively, for a current annual interest rate of 19.9%.

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