Flag of St. Pierre and Miquelon

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a yellow sailing ship facing the hoist side rides on a dark blue background with yellow wavy lines under the ship; on the hoist side, a vertical band is divided into three parts: the top part (called ikkurina) is red with a green diagonal cross extending to the corners overlaid by a white cross dividing the rectangle into four sections; the middle part has a white background with an ermine pattern; the third part has a red background with two stylized yellow lions outlined in black, one above the other; these three heraldic arms represent settlement by colonists from the Basque Country (top), Brittany, and Normandy; the flag of France is used for official occasions