12 Months Same As Cash Promotional Offer: OAC with a Yard Card Canada or Yard Card Canada Plus credit card account. No payments are required during the promotional period. Interest will accrue at the Preferred Rate from the date of purchase. If the purchase amount plus any applicable fees or charges, is not paid in full by the Promotional Due Date the accrued interest is charged to the account. If during the promotional term you do not make a required monthly payment the Promotional Offer will terminate and the Preferred Rate of interest will apply. After the promotional term expires the remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9% per annum. A $75 fee applies to the Promotional Offer. For purchases $2,000 or greater a $75 fee applies to the Promotional Offer.

24 Equal Monthly Payments with No Interest: OAC with a Yard Card Canada or Yard Card Canada Plus credit card account. The minimum payment for this Promotional Offer is a special repayment factor of 4.167% of the purchase amount for a 24 month promotional term. Interest will not accrue during the promotional period. If during the promotional term you fail to make a required monthly payment, the Promotional Offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9% per annum. A $50 fee applies to the Promotional Offer.

6 Months Same As Cash followed by 36 Months at 1.90% Interest Rate: OAC with a Yard Card Canada or Yard Card Canada Plus credit card account. A minimum purchase amount of $1,500 or more is required. No payments are required during the 6 month Same As Cash promotional period. Interest will accrue at the rate of 1.90% from the date of purchase. If the purchase amount plus any applicable fees or charges is not paid in full by the end of the 6 month period, the accrued interest is added to the account. After the 6 month period, the Rate of Interest remains at 1.90% and a minimum monthly payment equal to the greater of $10 or 3.0% of the purchase amount is required during the promotional period. If during the promotional term you fail to make a required monthly payment the promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9% per annum. A $125 fee applies to the Promotional Offer.

6 Months Same As Cash followed by 36 Months at 3.90% Interest Rate: OAC with a Yard Card Canada or Yard Card Canada Plus credit card account. No payments are required during the 6 month Same As Cash promotional period. Interest will accrue at the rate of 3.90% from the date of purchase. If the purchase amount plus any applicable fees or charges is not paid in full by the end of the 6 month period, the accrued interest is added to the account. After the 6 month period, the Rate of Interest remains at 1.90% and a minimum monthly payment equal to the greater of $10 or 3.0% of the purchase amount is required during the promotional period. If during the promotional term you fail to make a required monthly payment the promotional offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9% per annum. A $50 fee applies to the Promotional Offer.

60 Equal Monthly Payments with 7.90% Interest Rate: OAC with a Yard Card Canada or Yard Card Canada Plus credit card account. A minimum purchase of $1,500 or more is required. The Rate of Interest is 7.90% and the minimum payment for this Promotional Offer is a special repayment factor of 2.030% for a 60 month promotional term. If during the promotional term you fail to make a required monthly payment, the Promotional Offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9% per annum. A $125 fee applies to the Promotional Offer.

60 Equal Monthly Payments with 3.75% Interest Rate: OAC with a Yard Card Canada or Yard Card Canada Plus credit card account. The Rate of Interest is 3.75% and the minimum payment for this Promotional Offer is a special repayment factor of 1.820% for a 60 month promotional term. If during the promotional term you fail to make a required monthly payment, the Promotional Offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9% per annum. A $125 fee applies to the Promotional Offer.

36 Equal Monthly Payments with No Interest: OAC with a Yard Card Canada or Yard Card Canada Plus credit card account. The minimum payment for this Promotional Offer is a special repayment factor of 2.778% of the purchase amount for a 36 month promotional term. Interest will not accrue during the promotional period. If during the promotional term you fail to make a required monthly payment, the Promotional Offer will terminate. The remaining balance owed on the promotional purchase will then be charged interest at the Preferred Rate until the account balance is paid in full. The Preferred Rate of Interest is 29.9% per annum. A $125 fee applies to the Promotional Offer.