Does not include InteracTM1 and CIRRUS® user fees.
2
Minimum rental period of 12 months in Canada. Certain conditions apply, particularly in respect of eligibility for safety deposit box rental. Details available in branches. This offer may not be combined with any other offer or promotion.
3
Certain conditions apply. A minimum of two pre-authorized transactions must be transferred. The transfer of your bank balance and the closing of your account is equivalent to a single pre-authorized transaction. Closing an account with another financial institution can result in a charge. If you have not signed up for a banking package or program at National Bank, regular rates will apply once your transactions are transferred.
TM1
Registered trademark of Interac Inc.
®
Registered trademark of CIRRUS SYSTEMS Inc. Authorized user: National Bank of Canada
TM2
American Express Company US. AUT copyright
American Express Canada, inc. 1992 SS-010-F
Contenu du sous-menu "CREDIT CARD"
OVATION Gold MasterCardTM,1
The OVATION Gold MasterCard gives you access to a complete insurance program and an advantageous rewards program.
Each time you make a purchase with your Ovation Gold MasterCard, you earn points that can be redeemed for great rewards! For each dollar spent, you earn 1.25 points.
Use your Ovation Gold card for every day purchases
Earn 1.25 point for every dollar charged to your credit card
Redeem your points at the online Boutique and discover a variety of rewards including many available exclusively on the website!
How to earn points faster
Use your credit card to pay for your everyday expenses such as groceries, gas, bills, etc.
Ask for an additional card for your spouse or anyone else. Their purchases will be added to your balance thereby generating more points for you!
Subject to credit approval by National Bank of Canada.
2
Grace period: no interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment: the minimum payment to be made to the Bank every period shall be equal to 3% of the unpaid balance indicated on the monthly statement or a minimum of $10 whichever amount is higher (or the new unpaid balance if it is lower than $10). Account statement: a statement of account is sent on a monthly basis.
Examples of interest charges for a 30-day period at the rate applicable on March 11th 2009:
Average Balance
Annual interest rate
$500
$3,000
19.5%
$8.01
$48.08
3
The discount represents a privilege granted to main OVATION Gold cardholders who have an eligible National Bank banking program or package issued in their name. The discount can only be granted if the OVATION Gold account is in good standing at the time of the monthly bank account billing. The 50% discount does not apply to financial programs, which already feature preferential pricing. Eligible packages and programs which already feature a fee exemption (because of a compensating balance for example), or special or negotiated pricing, do not qualify for the 50% discount. Only one monthly discount will be applied per eligible package or banking program A customer having more than one eligible banking package or program will get a discount on each one. Cardholders who are 60 and over are currently entitled to a monthly $5 rebate on the Virtuoso and AccessPlus packages. As main OVATION Gold cardholders, they qualify for an additional 50% discount on the reduced monthly fees applied to these two packages, to a maximum of $5 per month.
4
Services offered and insured by CanAssurance, a subsidiary of Blue Cross.
TM
MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.
Contenu du sous-menu "FINANCING"
Financing Solutions1
Personal Line of Credit
Withdraw funds as and when you need them, up to your credit limit.
Main Advantages
Credit limit based on your needs and borrowing capacity
Advantageous interest rate
Access to funds at all times
Possibility of using your Personal Flex Line as your main account
Free Services4
Client Card purchases
Bill payment at National Bank ABMs
Account administration (statements online or by mail)
Monthly enrolment in our Electronic Banking Solutions
200 personalized cheques per year
Certified cheques
Overdraft protection
American ExpressTM travellers cheques (for American ExpressTM Cheques For Two, fee = 0.5% of cheque amount)
Bank drafts or money orders
50% reduction on annual rental of a safety deposit box5
Our Mortgage Solutions1
National Bank offers a wide variety of mortgage financing solutions, some of which allow you to finance up to 95% of your property's value if your mortgage loan is insured by a National Bank approved loan insurer6.
Variable or fixed rate mortgage
Personal loan guaranteed by a marine mortgage
Personal loan with collateral mortgage
All-In-One banking solution
Our Other Financing Solutions1
Your program provides advantages and benefits on the following financing solutions:
Home improvement line of credit
Fixed-rate personal loan
Variable-rate personal loan
Car loan
RRSP line of credit.
For more information on the advantages of our financing solutions, please contact a financial advisor at the branch nearest you.
Eligibility for financing solutions is subject to National Bank credit approval. Credit may be refused if criteria are not met.
2
The prime rate means the annual variable interest rate published by National Bank of Canada from time to time and used by the Bank to determine the interest rates on demand loans granted by it in Canadian dollars in Canada.
3
Account statements are issued monthly. The line of credit accrues interest from the time it is used. The applicable rate is based on the prime rate and is therefore subject to change. The minimum monthly payment is limited to monthly interest charges and any insurance premiums.
Example of interest charges for a 30-day period at the rate applicable on March 11th 2009:
Average Balance
Annual Interest Rate
$500
$3,000
Prime rate (2.5%) + 0.75% = 3.25%
$1.34
$8.01
4
User fees for InteracTM1 and Cirrus® banking machine networks are extra.
5
Minimum rental period of 12 months in Canada. Certain conditions apply, particularly in respect of eligibility for safety deposit box rental. Details available in branches. This offer may not be combined with any other offer or promotion.
6
Any financing exceeding 80% of the property value is conditional on the loan being insured by Canada Mortgage and Housing corporation (CMHC) or by Genworth Financial Canada.
TM
Registered trademark of American Express Company US. AUT Copyright; American Express Canada, Inc. 1992 SS-010-F.
TM1
Registered trademark of Interac Inc.
®
Registered trademark of CIRRUS SYTEMS inc.
Contenu du sous-menu "INVESTMENT"
Investment Solutions
National Bank Financial Group offers you many ways to invest your money according to your needs. Your advisor will explain National Bank's products to you and if necessary, will refer you to other specialists for products offered at the Bank's subsidiaries.
Investments With Rate Bonuses
Offered by National Bank
Non-Registered and Registered Investments (RRSPs, RRIFs, LIFs, LIRAs, TFSA)
Conventional redeemable1 and
non-redeemable fixed-rate guaranteed investment
certificates (GICs) in CDN$2 and US$3
RRSP
Progress rate RRSP
¼% or ½% rate bonus if your portfolio is worth $50,000 or more4
RRIFs / LIFs
LIRA (Progress rate LIRA or fixed rate, non-redeemable GICs)
¼% rate bonus4
TFSA
¼% rate bonus4
Stocks, managed portfolios and baskets, bonds, debentures, options and index-linked or structures products
Offered by National Bank Financial
RRSP
RRIF
SSP
RESP
50% reduction on annual administration fees
Private Investment Management5
Offered by National Bank Trust
Private Investment Management
10% discount on fees for the first year
Personalized Administration Plan
10% discount on fees for the first year, or income tax return prepared free of charge the first year
Complex financial planning mandates
20% discount on fees
The NEW Tax-Free Savings Account
Guaranteed Investment Certificate (GIC)
solution
With an advisor's assistance, you can choose from the many GICs available from National Bank
National Bank Direct Brokerage solution6
Do-it-yourself investors will benefit from all National Bank TFSA-eligible investment solutions when they open a self-directed TFSA
National Bank Financial Solution
National Bank Financial's investment advisors will offer their clients a variety of TFSA-eligible financial products
Brokerage Solutions
Offered by National Bank Direct Brokerage6
Credit balance in a brokerage account
½% bonus interest on the interest rate in effect7
Debit balance in a brokerage account
½% interest discount on the interest rate in effect7
RRSP / RRIF
50% discount on annual management fees
For more information on the characteristics and advantages of our Investment Solutions, please make an appointment with a financial advisor at the branch nearest you.
Redeemable fixed-rate guaranteed investment certificate not available for LIRA.
2
Offer only valid for redeemable and non-redeemable fixed-rate Guaranteed Investment Certificates (GICs) in Canadian dollars. The minimum investment (Canadian dollars) required is $500 for registered GICs, $5,000 for non-registered GICs (with a term of 30 to 364 days), and $1,000 for non-registered GICs (with a term of 1 to 5 years).
The interest rate is based on the capital amount invested and the length of the term. For further information, visit nbc.ca under ''Rates''. Simple interest or compound interest, at the client's option, paid annually. This is a limited-time offer and may be withdrawn at any time without notice, at National Bank's discretion. It is not transferable and may not be combined with any other offer or promotion.
3
Offer only valid for redeemable fixed-rate Guaranteed Investment Certificates (GICs) in US dollars. The minimum investment required is $5,000. The interest rate is based on the capital amount invested and the length of the term. GIC redeemable with penalty. Simple interest only payable at maturity for a term of 30 to 364 days and semi-annually for a term of 1 to 5 years. For further information, visit nbc.ca under ''Rates''. This offer may be withdrawn at any time without notice at National Bank's discretion. It is not transferable and may not be combined with any other offer or promotion.
4
The interest rate is based on the amount of principal invested. For more details and to see the interest rates associated with each level of investment, consult nbc.ca under ''Rates''. This offer may be withdrawn at any time without notice at National Bank's discretion. It is not transferable and may not be combined with any other offer or promotion.
5
Eligibility for this service depends on certain conditions.
6
National Bank Direct Brokerage is a wholly-owned subsidiary of National Bank of Canada. National Bank Direct Brokerage offers no advice and gives no investment recommendations (with the exception of Privilege service). The client alone is responsible for the financial consequences of his investment decisions. Member CIPF.
7
Interest rates paid on credit and debit balances on your National Bank Direct Brokerage account may be modified without notice. Visit our Internet site for up-to-date information on our rates or contact one of our representatives.
Contenu du sous-menu "FOR YOUR BUSINESS"
For Your Business
Services Tailored to Your Needs
As a professional notary, there's a good chance you'll be involved in some sort of commercial process. Startup projects, business transfers or purchases of specialized equipment—our experts have the creativity and flexibility to give you services tailored to your needs. Our BusinessFlex team is there to support you every step of the way.
The Non-Interest-Bearing Current Account
The Non-Interest-Bearing Current Account makes banking simple!
Main Advantages
A business Client Card free of charge the first year
No monthly fee for our Internet Banking Solutions1 for the first three months
15% discount on regular fees2 for the following transactions
Cheques
Debits
Withdrawals at the branch
Deposits at the branch
Credits
Automated and electronic transactions
The Interest-Bearing Current Account
Are you losing money on cash you're not using right now? Our Interest-Bearing Current Account pays you interest and still makes day-to-day banking simple!
Main Advantages
A business Client Card free of charge the first year
No monthly fees for our Internet Banking Solutions1 for the first three months
15% discount on regular fees2 for the following transactions:
Cheques
Debits
Withdrawals, in-branch
Deposits, in-branch
Credits
Automatic and electronic transactions
Payment of interest at prime rate3 less 3.5% on balances of $25,000 and over.
To view today's interest rate click here .
(If the prime rate is less than or equal to 3.5%, no interest is paid on balances)
BusinessFlex Line of Credit
Carry out your transactions, capitalize on business opportunities or finance your accounts receivable with this easy-to-use short-term source of working capital.
Main Advantages
15% discount on the annual fee, which is $180 for lines of credit of $50,000 and under4
Balance information available via our Internet Banking Solutions1
Advances automatically repaid based on the funds available in your current account4
Interest is calculated only on the portion of credit used (transfers rounded to the nearest dollar)4.
BusinessFlex Inc. term loan
Finance the medium to long-term growth for your business.
Main Advantages
15% discount on the application fee, which represents 0.5% of the amount requested
Term varies depending on the life of the financed asset
Fixed or variable interest rate
Payment amounts are known in advance
Principal repayment moratorium of up to 12 months can be negotiated
(interest continues to accrue during that period)
To contact a BusinessFlex Centre, call 1-866-FLEXINC (353-9462), Monday to Friday, from 7:00 am to 7:00 pm (ET).
Payroll and Human Resources Management Solutions
Reduce time and costs related to personnel management and improve productivity. Until December 31st 2011, sign up for payroll processing services, free of charge, and enjoy the first month of service free5 :
Telephone Payroll
Nethris® Internet Suite (basic or professional).
The Nethris® Internet Suite is fully integrated and modular and may include your choice of the following options:
Human resources management
Time and attendance management
Payroll processing
Self-service portal.
For more details, go to nbc.ca/payroll or call 1-800-361-8688, extension 0721.
1
Certain browser versions are required to access National Bank's Internet financial services. For information, consult the browser requirements at nbc.ca/browsers.
2
Please refer to the Fee guide for Banking Services for Businesses, which is available in branches.
3
Prime rate means the variable interest rate that the Bank publishes from time to time, which is used to determine the interest rate on Canadian dollar demand loans granted by the Bank in Canada.
4
Account statements are issued monthly. The line of credit accrues interest from the time it is used. The applicable rate is based on the prime rate and is therefore subject to change. The minimum monthly payment is $10.00, excluding any insurance premiums.
Examples of interest charges for a 30-day period at the rate applicable on February 2nd 2009, are shown below:
Average Balance
Annual Interest Rate
$3,000
Prime rate (3%)
$15.60
5
This offer is valid until December 31st 2011 and may not be combined with any other offer or promotion. After December 31st 2011, pricing then in effect will apply.
®
Nethris is a registered trademark of CGI Group Inc. used under licence. These solutions and customer services are the property of CGI. National Bank acts solely as a distributor of CGI's services and solutions.
Do you need financial planning advice?
Here are three easy ways to contact a National Bank Financial Planner:
Included in the package)
