O.A.C. 15% deposit of total sale including taxes and disposable surcharges where applicable are due at the time of purchase. A processing fee of $29.95 (e.g. $1500 financed amount with $29.95 PF equals an APR of 2.0%) is added to the order total and split amongst the 12 equal monthly payments. Balance is payable in 12 equal monthly payments starting with the statement following the purchase date. The Cardholder undertakes to reimburse Desjardins Financial Group the whole amount indicated on this invoice, in accordance with the Agreement governing the use of the Card. In addition, if this purchase results in exceeding the credit limit already granted, the Cardholder consequently requests an increase in said credit limit.