Ontario, Alberta and Manitoba: *Interest will accrue during the promo period, but will be forgiven if: (i) all minimum monthly payments on account, including debt cancellation, are paid when due; and (ii) the promotional balance, including optional charges, is paid in full within 12 months. If conditions for forgiveness of interest are not met, accrued interest will be billed based on an annual interest rate of 28.8% (as of 1/03/2011) from the purchase date. Existing cardholders refer to your current credit agreement for rates and terms. Subject to credit approval. If account goes 60 days past due, promo may be terminated early and standard account terms will apply.

British Columbia: *Grace Period: Interest will accrue during the promo period, but will be forgiven if: (i) all minimum monthly payments on account, including debt cancellation, are paid when due; and (ii) the promotional balance, including optional charges, is paid in full 12 months. If conditions for forgiveness of interest are not met, accrued interest will be billed based on an annual interest rate of 28.8% (as of 1/03/2011) from the purchase date. Existing cardholders refer to your current credit agreement for rates and terms. Subject to credit approval. If account goes 60 days past due, promo may be terminated early and standard account terms will apply.

Quebec: *Annual credit will accrue during the promo period, but will be forgiven if all minimum monthly payments on account, are paid when due. If conditions for forgiveness of annual credit are not met, annual credit accrued during the promo period will be billed based at an annual credit rate of 28.8% (as of 1/03/2011) from the purchase date. Existing cardholders refer to your current credit agreement for rates and terms. Subject to credit approval. Standard account terms apply after promo period expires. If account goes 60 days past due, promo may be terminated early and standard account terms will apply. The period for which a statement of account is furnished is every 30 days. There are no memberships or renewal fees. The consumer may discharge his obligation without being required to pay credit charges during 12 months and the minimum payment required for each period is equal to the greater of either (a) 1/30th of the new balance, or (b) $10, unless the new balance is less than $10, in which case the minimum payment is the new balance.