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0244

7 A

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2016

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DESJARDINS ONLINE

FOR MORE INFORMATION

ACCORD D FINANCINGYou’ve just been granted Accord D Desjardins through a merchant of the RONA banner. Accord D is offered through your credit card as a second limit, separate from your regular limit, with its own interest rate.

TYPES OF FINANCING PLANSEQUAL PAYMENT FINANCING Buy now and pay in equal instalments. Your Accord D instalments are automatically added to your regular credit card balance every month, so your minimum payment due includes your monthly Accord D payment.

DEFERRED PAYMENT FINANCINGBuy now and pay later. During the deffered period, you can make a payment at any time on your financing by following the steps to make a principal payment. Between 30 and 59 days before the financing is due, you’ll receive a notice with your account statement reminding you of the payment deadline. If you aren’t able to pay off the full balance by the due date, it will automatically be converted into equal monthly instalments at the interest rate in effect.

MULTI-PURCHASE PLANGet two months, with no fees or interest, to manage all of your purchases and refunds. At the end of this grace period, your total purchases will be spread over 36 equal monthly payments at a fixed interest rate. Monthly payments are managed in the same way as equal instalment financing.

You can go to desjardins.com/accordd-plan or call Customer Service at one of the following numbers:

Montreal: 514-397-4415Toll-free: 1-800-363-3380

MAKING A PAYMENT MINIMUM PAYMENT Use one of the following options to make the minimum payment due (including your Accord D instalment):

- Through Desjardins or most other financial institutions.* If necessary, add “Rona Desjardins” or “Réno-Dépôt Desjardins” to your list of bills using your card or account number.

• On the website

• Through the telephone payment system

• At an ATM

• At a branch

- By pre-authorized payment.

- By mailing a cheque payable to Desjardins Card Services (along with the payment stub).

- In-store with your statement payment slip (participating merchants only).

PRINCIPAL PAYMENT You can make a payment on the principal at any time before your financing comes due. The payment will be applied directly to the principal or balance of the financing plan and you won’t be penalized. Any payment will not impact your current or future monthly instalment(s).

If you pay the entire balance of your financing plan before it comes due, you may still have to pay interest that was accrued between the date of your last statement and the date of the principal payment.

Use one of the following options to make a payment on the principal:

- Through Desjardins or most other financial institutions.* If necessary, add “Desjardins financing principal payment” and use your account or card number followed by the three-digit plan number.

• On the website

• Through the telephone payment system

• At an ATM

• At a branch

- By mailing a cheque payable to Desjardins Card Services (along with the payment stub).

- In-store with your statement payment slip (participating merchants only).

* Participating financial institutions only.

YOU CAN USE ACCÈSD TOO! You don’t need to be a Desjardins caisse member to use AccèsD to make payments on your credit card account or view your account statement. Sign up at www.desjardins.com/accesd-registration.

SIGN UP FOR ONLINE STATEMENTSYou can manage your account more easily and help save the environment at the same time!

1 Log in to AccèsD.

2 Click Statements and documents in the right-hand menu.

3 Select Credit cards and prepaid cards.

4 Choose the appropriate card and follow the instructions to register.

or

1 Go to www.postel.ca.2 Log in or create an account.

3 Follow the instructions to add your statement.

You will receive a notice by email every month when your statement becomes available.

YOUR ACCORD D STATEMENT EXPLAINED

Day Month Year

include your currentThis balance does not

Only the principal portionof your instalments isdeducted from thefinancing plans balance.

instalments

Total of your current instalments transferred toregular account

EPF: Equal Payment FinancingDPF: Deferred Payment Financing, without interest before due dateTBD: The interest rate will be set on the basis of the final balance of your multiple purchases to be paid in equal instalments:

. . % if the amount is equal to or lower than $ ;

. . % if the amount is equal to or higher than $ .

Account Number

Statement Day Month YearDate

Transaction Date Posting Date Transaction Description AmountD M D M Number

+ - =+ - =

Previous Payments/ Current Monthly InstalmentsPlan Balance / Adjustments

Number New On Principal Principal Interest Total New BalanceFinancing After Payment (2)

Total 631.69 + 100.00 - 21.25 1.82 23.07 = 510.44

23.07

Plan Initial Posting Due AnnualNumber Type Amount Date Date Description Interest

Financed D M Y D M Y Rate

STATEMENT DATE 20 08 2013

Plan No

Plan No

TotalAmount Paid

17 08 19 08 001 PLAN004-PRINCIPAL PAYMENT 100.00

004 DPF 456.32 19 07 2013 21 09 2013 MULTIPLE PURCHASES PLAN TBD005 EPF 257.66 13 05 2013 13 05 2014 MERCHANT GATINEAU QC 13.50%

004 456.32 100.00 0.00 0.00 0.00 356.32005 175.37 0.00 21.25 1.82 23.07 154.12

Available Accord D financing Credit Limit: 2,489Authorized Accord D financing Credit Limit: 3,000

1 - Indicate the plan number2 - Indicate the payment amount

Take a copy of this statement with you tomake a payment at your caisse/branch

Page : 2 of 2

ACCORD D FINANCING ACCOUNT OPERATIONS

ACCORD D FINANCING TRANSACTION SUMMARY

ACCORD D FINANCING TRANSACTION DETAILS

4530 XXXX XXXX 4009

+ $ .

+ $ .

= $ .

20 08 2013

G. RAYMOND425 VIGER WESTMONTREAL QC H2Z 1W5

Day Month Year

Day Month Year

AARNA

RNA

Due Day Month YearDate

Minimum Payment Due Amount Paid

Account Number

Statement Day Month YearDate

Transaction Date Posting Date Transaction Description AmountD M D M Number

Transaction Date Posting Date Transaction Description AmountD M D M Number

Due Date: 13 09 2013

Please make this minimum payment or more. .

Total balanceincluding Accord D

financing instalments

STATEMENT DATE 20 08 2013

The amount paid willbe applied to yourregular balance

Minimumpayment on regular

transactionsTotal balance

including Accord Dfinancing instalments

Accord D financingInstalments

Purchases / Debits + 25.03 Available Credit Limit : 4,198Authorized Credit Limit : 4,500

Annual Interest Rate . %

Credit Charges (Interest on Purchases) + 4.51

Accord D financing Instalments + 23.07 See Accord D financing transaction summary

Payments / Credits - 60.00

Minimum Accord Dpayment on regular financing Past Due

transactions Instalments

New Regular New Accord DBalance (1) financing

Balance (2)

Transactions made with the card of: G RAYMOND #3 Card: 4530 XXXX XXXX 4017

Account Operations 4530 XXXX XXXX 4009

Previous Balance 308.82

New Regular Balance (1) = 301.43 Amount Paid

MinimumPayment Due

Total of your Accord D FINANCING Instalments- See Accord D FINANCING transaction summary

Minimum PaymentDue:

Information regarding the total balanceof your account:

Page: 1 of 2

REGULAR TRANSACTION DETAILS

REGULAR TRANSACTION SUMMARY

4530 XXXX XXXX 4009

13 09 2013

37.07 .

14.00+

811.87

23.07=

20 08 2013

G. RAYMOND425 VIGER WESTMONTREAL QC H2Z 1W5

12 08 13 08 001 PAYMENT CAISSE/BRANCH 60.00CR20 08 20 08 002 CREDIT CHARGE 4.5120 08 20 08 003 23.07

05 08 05 08 001 MERCHANT SHERBROOKE QC 25.03

Total 25.03

14.00 + 23.07 + 0.00 = 37.07

301.43 + 510.44 = 811.87

HERE IS A SIMPLE EXPLANATION OF YOUR STATEMENT.

Your regular credit card transactions

The total balance on your statement including: the full balance of your regular purchases

+ your Accord D financing Details in (C)

Minimum payment due, including your monthly Accord D instalment. Details in (B)

Your regular credit limit (does not include your Accord D limit).

Total monthly balance:This is the amount you need to pay so you don’t generate interest on your regular transactions.

Amount left to pay on your Accord D financing.

Details of all your transactions on the regular limit since the last statement was issued. The total of these transactions can be found in the Regular transaction summary table (A).

Details of all operations on the regular limit of your account since the last statement was issued. The amounts of these operations can be found in the Regular transaction summary table (A).

Use this slip to make a principal payment on your Accord D financing by mail. Simply fill out the appropriate boxes and include the slip with your payment.

Your Accord D financing limit (does not include your regular credit limit).

Description of your current financing plans (initial amount, date, rate, plan number, etc.).

Details of the operations on your Accord D financing plans since the last statement was issued. In this example, Mr. Raymond made a principal payment on plan 004 (E).

To help you understand the example: Mr. Raymond had two Accord D financing plans, with a total balance before payment of $631.69 (D). Since the last statement was issued, Mr. Raymond: - made a principal payment of $100.00 on

plan 004 (E) - will pay his monthly instalment (F) by paying

his credit card account (see page 1 section (B)The new balance on his financing plans is $510.44 (G), since his monthly instalment has been transfered to the regular limit and included in the minimum payment due.

1• 8•

2• 9•

3• 10•

4•11•

5•

6•

7•

Your Accord D Desjardins financing

B

1

2

3

5

4

6

7

C

A

8

D E F G

9

11

10

Day Month Year

Day Month Year

AALEO

LEO

Due Day Month YearDate

Minimum Payment Due Amount Paid

Account Number

Statement Day Month YearDate

Transaction Date Posting Date Transaction Description AmountD M D M Number

Transaction Date Posting Date Transaction Description AmountD M D M Number

Due Date: 05 07 2016

Please make this minimum payment or more. .

STATEMENT DATE 09 06 2016

New Regular Balance

The amount paid willbe applied to yourregular balance

Minimumpayment on regular

transactions

Accord D financingInstalment

If you make only the minimum payment required each billing period, we estimate that it will take 1 year(s) and 1 months to pay off your balanceon purchases and cash advances. See reverse for details.

Purchases / Debits + 599.03

Available Credit Limit : 4,831Authorized Credit Limit : 6,000

Authorized Accord D financing Credit Limit : 5,500

Annual Interest Rate19.90%

Cash Advances + 0.00

Credit Charges (Interest on Purchases) + 10.72

Credit Charges (Interest on Cash Advances) + 0.00

Accord D financing Instalment + 0.00

Payments / Credits - 100.00

Minimum Accord Dpayment on regular financing Past Due

transactions Instalment

Statement of Account

Transactions made with the card of: G. RAYMOND Card: 4530 9390 0001 0028

Account Operations 4530 9390 0001 0002

Estimated time to pay your balance

Previous Balance 658.62

New Regular Balance = 1,168.37 Amount Paid

MinimumPayment Due

Minimum PaymentDue:

LEON'S VISA DESJARDINS Page: 1 of 2

REGULAR TRANSACTION DETAILS

REGULAR TRANSACTION SUMMARY

4530 9390 0001 0002

05 07 2016 1,168.37

59.00 .

59.00+

0.00=

09 06 2016

G. RAYMOND425 VIGERMONTREAL QC

30 05 31 05 001 PAYMENT THANK YOU 100.00CR09 06 09 06 002 CREDIT CHARGE 10.72

13 05 13 05 001 RENFREW CHRYSLER RENFREW ON 497.6502 06 03 06 002 MNR-FISH & WILDLIFE PETERBOROUGH ON 50.6902 06 03 06 003 MNR-FISH & WILDLIFE PETERBOROUGH ON 50.69

Total 599.03

59.00 + 0.00 + 0.00 = 59.00