O.A.C. Subject to the terms of the Flexiti. cardholder agreement. Minimum purchase may apply and varies depending on the merchant. No interest will accrue during the promo period for no interest equal monthly payment plans. The purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. For interest-bearing equal monthly payment plans, the annual promotional interest rate for the promo term will be disclosed before the completion of the transaction. The purchase amount is to be paid in equal monthly payments of principal and interest, plus payment protection insurance premiums, fees and taxes, if applicable. 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 all plans, if any payment is missed, all promo offers on the account may be cancelled, and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval and varies based on the cardholder's creditworthiness at the time of application. Current Account AIRs are 31.99%, 34.99% (max for Quebec residents). Depending on the merchant, an admin fee may apply and will be financed with purchase (not applicable for Quebec residents); it varies based on purchase amount and promo term length and is payable in full if the promo is paid off early. An annual fee of $39.99 applies to residents of Quebec, and $24.99 may apply to residents of other provinces. Any balance at the end of the promo term bears interest at the Account AIR. No payments deferred plans are not available for Quebec residents. However, other deferred interest promos are available. Eligibility for promotions varies with cardholder creditworthiness. Promos and terms may be changed without notice. Conditional upon ID verification and on approved credit, and a valid email address is required. Applications may be subject to a secondary, manual review. BC License #83660, Flexiti Financial provides financing Flexiti, FlexitiCard, and the flexible way to pay are trademarks of Flexiti Financial Inc.