Eligibility subject to Fédération des caisses Desjardins du Québec approval. All annual interest rates indicated are subject to change. The financing offer is available on RONA, Réno-Dépôt and RONA Visa Desjardins credit cards and other credit cards issued by the Federation (""the Card""). ×Cannot be combined with any other promotional offer, nor with the RONA and Réno-Dépôt credit cards sign-up offer. The ""Deferred payment, no payments or interest "" offer allows to make a purchase without having to make any reimbursement nor incurring interest during the period determined at the time of purchase. If the balance due for this purchase is not paid in full at the end of the period, such balance will be payable in 12 equal and consecutive monthly instalments, if the balance is less than $1,000, in 24 equal and consecutive monthly instalments if the balance is equal or greater than $1,000 but less than $3,000, and 36 equal and consecutive monthly instalments if the balance is equal or greater than $3,000. An annual interest rate of not more than 21.9% will apply to the balance. †† Minimum purchase: $1,500. The ""Equal Monthly Payments with interest"" offer allows the customer to pay for purchases through equal and consecutive monthly instalments. The annual interest rate of 8.9% set at the time of purchase applies to such purchases. Equal and consecutive monthly payments are included in the minimum payment due on the credit card. Other conditions: If the minimum payment due is not paid in full by the due date, the annual interest rate of not more than 19.9% on the card applies to the unpaid equal monthly instalment, including monthly instalment. There is a 21-day, interest-free grace period on the card from the date the monthly statement is mailed or from the date it is made available in electronic format to settle the account without paying interests. Minimum card payment is 5% of the total on: (i) the balance shown on the account statement for the previous period; (ii) interests on purchases and monthly instalments that have not been paid on the due date for the previous period; (iii) regular purchases during the statement period; (iv) monthly instalment(s) relative to Multiple purchases through equal payment or Multi-Purchase Plan for the statement period; (v) deferred payment purchases due on the statement date; and (vi) past due amounts and any other amount set out in the card contract. Other conditions can be applied. Refer to the variable credit agreement of the card. See details in store. (M54A)

EXAMPLES OF INTEREST CHARGES
	ANNUAL COST		COST FOR 30 DAYS
ANNUAL INTEREST RATE	Average daily balance		Average daily balance
	$100	$500	$100	$500
19.9%	$19.90	$99.50	$1.64	$8.18
21.9%	$21.90	$109.50	$1.80	$9.00
24.9%	$24.90	$124.50	$2.05	$10.23
The annual interest rate may apply to regular purchases, equal payment financing, deferred payment financing, deferred equal payment financing or multiple purchases by equal payment financing.