§Certain conditions apply. Information available in-store. Totem gift card offer valid on purchases that meet the eligible requirements of the Federal Government Home Renovation Tax Credit (HRTC). Purchases must be charged to a special Multi-Purchase Renovation Plan (D77) available on the RONA VISA Desjardins card, certain exceptions apply, details in-store. Purchases must be made after Jan. 27, 2009 and before Feb. 1, 2010. Offer may end without notice. This offer cannot be combined with any other special or promotional offer with the exception of AIR MILES® bonus offers. Limit of $1000 in gift cards by customer and by home address for the duration of this promotional offer. The recipient accepts the gift card terms on the back of each card. †The HRTC is subject to eligibility criteria established by the Canada Revenue Agency. Totem does not express any opinion nor makes any representation or guarantee with respect to consumer eligibility to the HRTC for purchases made at Totem or with respect to the tax credit amount the consumer could be entitled to under the HRTC. ‡Subject to Desjardins Card Services approval. Desjardins Accord D financing program is available with RONA VISA Desjardins card. Apply for the card in-store on the same day. Interest rate determined by final balance of all purchases related to your renovation project at the end date of grace period. Multiple purchases totalling $2,499.99 or less are financed at 13.5% annual interest rate. Eg: financing amount of $400 paid in 36 equal payments of $13.57 per month for a total $488.52; total credit cost $88.52. For purchases of $2,500 and more, financing is at a 6% annual interest rate. Interest rates subject to change. For all other credit terms the cardholder should, refer to the Variable Credit Agreement. *Visa Int./Fédération des caisses Desjardins du Québec and RONA, authorized users.®/TM Trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Inc. and RONA Inc.