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 $89.95 (e.g. $1500 financed amount with $89.95 PF equals an APR of 6.0%) is added to the order total. Balance is due 12 months from the date of purchase. 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.