Does not include InteracMD1 and CIRRUS®1 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 preauthorized transactions must be transferred. The transfer of your bank balance and the closing of your account is equivalent to a single preauthorized 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.
MD1
Registered trademark of Interac Inc.
®1
Registered trademark of CIRRUS SYSTEMS Inc. Authorized user: National Bank of Canada
MD2
American Express Company US. AUT copyright
American Express Canada, Inc. 1992 SS-010-F
Contenu du sous-menu "CREDIT CARD"
OVATION Gold MasterCardMC,1
Platinum MasterCardMC,1
Regular rate
19.5% / $70 per year2
instead of 19.5% / $90 per year
NEW! Out-of-Province-of-Residence Medical/Hospital Insurance (As of May 1, 2009)
UP TO $5,000,000.
Maximum trip coverage period is calculated based on age.
Person aged
Maximum Trip Lenght
54 and under
60 days
55 to 64
31 days
65 to 74
15 days
If the trip exceeds the number of days allotted, it will not be covered by the Medical/Hospital Insurance. Coverage applies to main cardholder, their spouse and any dependent children.
Trip Interruption Insurance up to $5,000 per person
Flight Delay Insurance up to $500 per person for any flight delay of 4 hours or more
Baggage Insurance up to $1,000 per person in case of theft, break-in, loss or vandalism, and up to $500 per person should your checked baggage arrive more than 6 hours late
Vehicle rental insurance
Liability coverage in case of collision, theft or damage to a rented vehicle, charged to your Platinum MasterCard, for a rental period of 48 days or less (As of May 1, 2009. Before May 1, 2009, maximum period for coverage is 31 days)
Coverage of up to $2,000 during the vehicle rental period against loss, theft or damage to your personal effects
Medical, general and legal assistance4
In case of a medical, administrative or legal problem, you can get help anywhere in the world, 24 hours a day, by calling a toll-free number
You will be referred to a lawyer in the event of an emergency, even if you are abroad
If necessary, bail and legal fees can be paid by means of a cash advance from your credit card
Assistance if your baggage is lost or stolen
Assistance replacing travel documents and tickets that are lost or stolen while you're away
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 $10m 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 11, 2009:
Average balance
Annual interest rate
$500
$3,000
17,5%
$7,19
$43.15
14,5%
$5,96
$35.75
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 preferencial 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:
Prime rate2, with no handling charges3;
(which corresponded to an annual interest rate of 2.5% as at March 11, 2009)
Credit limit based on your needs and borrowing capacity;
You can acces funds at any time;
Interest is calculated only on the capital used.
Free services4:
Client Card purchases
Bill payments at National Bank baking machines
Account administration (statements on line or by mail)
Monthly enrollment in our Electronic Banking Solutions
200 personalized cheques per year
Certified cheques
Overdraft protection
American ExpressMD travellers cheques (0,5% of the amount for American ExpressMD cheques for two)
Bank drafts or money orders
50% reduction on the annual cost of using a safety deposit box5
Our Mortgage Solutions1
National Bank offers a wide variety of mortgage financing solutions, some of which can enable 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 regarding the advantages of our Financing Solutions, please contact Financial Advisor at a branch nearest you.
Eligibility for financing solutions is subject to National Bank credit approval. Credit may be refused if the relevant 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 dertemine the interest rates on demand loans granted by it in Canadian dollars in Canada.
3
Account statements are issued monthly. The line of credit bears 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 perod at the rate applicable on March 11, 2009:
Average balance
Annual interest rate
$500
$3,000
Prime rate (2.5%)
$1.03
$6.16
4
User fees for InteracMD1 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.
MD
Registered trademark of Amrican Express Company US. UT Copyright; American Express Canada, Inc. 1992 SS-010-F.
MD1
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 based on 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
Progress rate RRSP
¼% or ½% rate bonus if your portfolio is worth $50,000 or more4
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
ESP
Self-directed RSP
Self-directed RIF
50% reduction on annual administration fees
RESP brokerage service
No 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 financial products eligible for the TFSA
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
RESP
No annual management fees
For more information on the characteristics and advantages of our Investment Solutions, please make an appointment with one of our Financial advisor at the nearest branch.
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 Nationale Bank of Canada. National Bank Direct Brokerage offers no advice and gives no investment recommendations (with the exception of Privilege service). The client alon 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
Enjoy the services of a specialized team
For physicians, dentists, denturists,veterinarians, chiropractors, optometrists, podiatrists, physiotherapists and independant pharmacists
As a health professional, there's a good chance you'll be involved in some sort of business venture. Startup projects, business transfers or purchases of specialized equipment - our experts have the crativity and flexibility to give you services tailored to your needs. Our BusinessFlex team is there to support you every step of the way.
For more information, contact the BusinessFlex Centre at 1-800-361-8688, extension 485212, Monday to Friday, 7:00 am to 7:00 pm (Eastern Time) and talk to a specialized Healthcare Program account manager.
For pharmacists operating under a banner or members of a commercial association Our specialized team, known for its skill and experience in providing financial services, can offer you products and advice tailored to the realities of practicing as healthcare professionals in a competitive environment.
For more information, contact your Commercial Banking Manager or a National Bank Franchise and Partnership Advisor atfranchise@nbc.caor call us at 1-877-394-6611 or 514-394-6611.
The Non-Interest Bearing Current Account
The Non-Interest Bearing Current Account makes banking simple!
Main advantages:
No account opening fees
A business Client Card free of charge the first year
No charge on deposit contents
Bill payments at National Bank banking machines1
No fees2 for the following transactions:
Cheques
Debits
Withdrawals at the branch
Deposits at the branch
Credits
Automatic and electronic transactions
The Interest-Bearing Current Account
Loosing money on cash you're not using right now? The Interes-Bearing Current Account pays you interest on it and still makes day-to-day banking simple!
Main advantages:
No account opening fees
A business Client Card free of charge the first year
No monthly fees for our Internet Banking Solutions3
50% off transaction fees2 if a minimum account balance of $25,000 is maintained
Payment of interest at prime rate4 less 3.5% on balances of $25,000 and over. The prime rate was 3.00% on February 2, 20095. (If the prime rate is less than or equal to 3.5%, no interest is paid on balances.)
BusinessFlex Line of Credit
Manage day-to-day banking, capitalize on business opportunities or finance short-term cash needs with our easy-to-use BusinessFlex Line of Credit.
Main advantages:
Attractive interest rates
Minimal fees
No transfer charges
Access to the available balance of the line of credit via Internet Banking Solutions3
Line of credi advances automatically repaid on the funds available in your current account
Interest calculated only on the portion of the line of credit used (transferred amounts rounded to the nearest dollar)
BusinessFlex Inc. term loan
Help your practice grow over the medium to long term.
Main advantages:
Discount on credit analysis fees
Variable term based on the line of the financed asset
Fixed or variable interest rate
Flexible repayment options
Prepayment options
Repayment of principal can be deferred for up to 12 months (interest continues to accrue during that time)
For more information, contact the BusinessFlex Centre at 1-800-361-8688, extension 485212, Monday to Friday, 7:00 am to 7:00 pm (Eastern Time) and talk to a specialized Healthcare Program account manager.
Payroll and Human Resources Management Solutions
Reduce time and costs related to personnel management and improve productivity. Until December 31, 2010, sign up for payroll processing services, free of charge, and enjoy the first month of service free6 :
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 attendane management
Payroll processing
Self-service portal
For more details, go to nbc.ca/payroll or call 1-800-361-8688, extension 0721.
1
User fees for ABM network, InteracTM1 outlets, and the CIRRUSTM2 network are also payable. No additional fees apply for the use of THE EXCHANGETM3 banking machine network.
2
Please refer to the Fee guide for Banking Services for businesses, which is available in branches.
3
Certain browser versions are required to access National Bank's Internet financial services. For information, consult the browser requirements at nbc.ca/browsers.
4
Prime rate means the variable annual 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.
5
Account statements are issued monthly. The line of credit bears 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 June 18, 2007, are shown below:
Average balance
Annual interest rate
3 000 $
Prime rate (3%)
15,60 $
6
This offer is valid until December 31, 2010 and may not be combined with any other offer or promotion. After December 31, 2010, pricing then in effect will apply.
TM1
Registered trademark of Interac Inc.
TM2
Registered trademark of CIRRUS SYSTEMS Inc.
TM3
Registered trademark of Fiserv, Inc.
®
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's three easy ways to contact a National Bank's Financial Planner:
Included in the package) 
