Introducing the new Michael Hill FlexitiCard®

3 equal monthly payments, no interest plan

$500 minimum purchase

On approved credit. Subject to the terms of the Michael Hill FlexitiCard cardholder agreement. Minimum purchase of $500 applies. No interest will accrue during the 3-month promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% - 34.99%. Annual fee of $39.99 applies for residents of Quebec. Any balance at the end of the promo term bears interest at the Account AIR. Promos and terms may be changed without notice. Eligibility for promos varies with cardholder creditworthiness. Financing provided by Flexiti Financial.

6 equal monthly payments, no interest plan

$500 minimum purchase

On approved credit. Subject to the terms of the Michael Hill FlexitiCard cardholder agreement. Minimum purchase of $500 applies to 6 month plans. No interest will accrue during the 6-month promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% - 34.99%. Admin fee of $24.99 applies and will be financed with purchase and is payable in full if the promo is paid off early (excluding Quebec residents). Annual fee of $39.99 applies for residents of Quebec. Any balance at the end of the promo term bears interest at the Account AIR. Promos and terms may be changed without notice. Eligibility for promos varies with cardholder creditworthiness. Financing provided by Flexiti Financial.

12 equal monthly payments, no interest plan

$1000 minimum purchase

On approved credit. Subject to the terms of the Michael Hill FlexitiCard cardholder agreement. Minimum purchase of $1,000 applies to 12-month plans. No interest will accrue during the 12-month promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% - 34.99%. Admin fee of $49.99 applies and will be financed with purchase and is payable in full if the promo is paid off early (excluding Quebec residents). Annual fee of $39.99 applies for residents of Quebec. Any balance at the end of the promo term bears interest at the Account AIR. Promos and terms may be changed without notice. Eligibility for promos varies with cardholder creditworthiness. Financing provided by Flexiti Financial.

18 equal monthly payments, no interest plan

$1500 minimum purchase

On approved credit. Subject to the terms of the Michael Hill FlexitiCard cardholder agreement. Minimum purchase of $1,500 applies to 18-month plans. No interest will accrue during the 18-month promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% - 34.99%. Admin fee of $74.99 applies and will be financed with purchase and is payable in full if the promo is paid off early (excluding Quebec residents). Annual fee of $39.99 applies for residents of Quebec. Any balance at the end of the promo term bears interest at the Account AIR. Promos and terms may be changed without notice. Eligibility for promos varies with cardholder creditworthiness. Financing provided by Flexiti Financial.

24 equal monthly payments, no interest plan

$2000 minimum purchase

On approved credit. Subject to the terms of the Michael Hill FlexitiCard cardholder agreement. Minimum purchase of $2,000 applies to 24-month plans. No interest will accrue during the 24-month promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% - 34.99%. Admin fee of $99.99 applies and will be financed with purchase and is payable in full if the promo is paid off early (excluding Quebec residents). Annual fee of $39.99 applies for residents of Quebec. Any balance at the end of the promo term bears interest at the Account AIR. Promos and terms may be changed without notice. Eligibility for promos varies with cardholder creditworthiness. Financing provided by Flexiti Financial.

12-month deferred payment, no interest plan

$1000 minimum purchase On approved credit. Subject to the terms of the Michael Hill FlexitiCard cardholder agreement. Minimum purchase of $1,000 (excluding taxes) is required.Available in-store only. No payments are required during the 12-month promo period. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% - 34.99%. Any balance at the end of the promotional period bears interest at the Account AIR. Admin fees of $49.99 apply. Do not pay/no payment deferred plans are not available for Quebec residents, however, other deferred interest promos are available (max Account AIR is 34.99%, annual fee of $39.99 applies). Promotions and terms may be changed without notice. Financing provided by Flexiti Financial. Eligibility for promos varies with cardholder creditworthiness.

18-month deferred payment, no interest plan

$1500 minimum purchase On approved credit. Subject to the terms of the Michael Hill FlexitiCard cardholder agreement. Minimum purchase of $1500 applies, including taxes. Available in-store only. No payments are required during the promotional period, except for payment protection insurance premiums, fees and taxes, if applicable, which are billed monthly. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% - 34.99%. Admin fee of $74.99 applies and will be financed with purchase. Annual fee of $24.99 may apply. Any balance at end of promo term bears interest at the Account AIR. No payments deferred plans are not available for Quebec residents, however, other deferred interest promos are available (max Account AIR is 34.99%, $39.99 annual fee applies). Promo and terms may be changed without notice. Financing provided by Flexiti Financial.