YARD CARD CANADA QUEBEC PROMOTIONS

AVAILABLE THRU 12/31/10

QUEBEC ONLY

3 Months Same As Cash w/min monthly payments*

* Minimum payments required equal to 3% of the original amount financed. Finance charges will be assessed from date of purchase at 28.9% unless total amount financed is paid in full within 3 months from date of purchase.

Original Amount	Repayment Factor	Promo Fee
No Minimum	3%	$0

3 Month Same As Cash w/min monthly payments*

* Minimum payments required equal to 3% of the original amount financed. Finance charges will be assessed from date of purchase at 28.9% unless total amount financed is paid in full within 3 months from date of purchase.

Original Amount	Repayment Factor	Promo Fee**
No Minimum	3%	$75

 

12 Months Same As Cash w/min monthly payments*

*Minimum payments required equal to 3% of the original amount financed. Finance charges will be assessed from date of purchase at 28.9% unless total amount financed is paid in full within 12 months from date of purchase.

Original Amount	Repayment Factor**	Promo Fee***
Under $1,000	3%	$25
$1,000 +	3%	$75

6 Months SAC w/min monthly payments 1.9% for 36 Months*

*Minimum payments required equal to 3% of the original amount financed. Finance charges will be assessed from date of purchase at 28.9% unless total amount financed is paid in full within 6 months from date of purchase. 1.9% APR is in effect for 36 months from date of purchase. After 36 months interest will be assessed at a rate of 28.9%.

Original Amount	Interest Rate	Repayment Factor**	Daily Periodic Rate	Promo Fee**
$1,500 Minimum	1.9%	3%	0.0052%	$125

**Promo fee is charged to consumer and will appear on customers first billing statement and added to the existing balance.

6 Months SAC w/min monthly payments 3.9% for 36 Months*

*Minimum payments required equal to 3% of the original amount financed. Finance charges will be assessed from date of purchase at 3.9% unless total amount financed is paid in full within 6 months from date of purchase. 3.9% APR is in effect for 36 months from date of purchase. After 36 months interest will be assessed at a rate of 28.9%.

Original Amount	Interest Rate	Repayment Factor**	Daily Periodic Rate	Promo Fee**
No Minimum	3.9%	3%	0.0107%	$50

0% for 24 Months

Original Amount	Interest Rate	Repayment Factor	Promo Fee**
No Minimum	0%	Equal	$0

3.9% for 60 Months

Original Amount	Interest Rate	Repayment Factor	Promo Fee**
No Minimum	3.9%	1.84%	$125

7.9% for 60 Months with Equal Payments

Original Amount	Interest Rate	Repayment Factor	Promo Fee**
No Minimum	7.9%	2.03	$125

**Promo fee is charged to consumer and will appear on customers first billing statement and added to the existing balance