Advantages

Professionals
Healthcare

Also offered:
Financial Package for Healthcare Students

Chequing Account		Credit Card		Financing		Investment		For Your Business

Contenu du sous-menu "CHEQUING ACCOUNT"

Summary


Monthly fee	0.00 $ / month

Automated services included
Client Card purchases in Interac^®, NYCE^®1et Maestro^®2 networks

Transactions at National Bank banking machines¹: withdrawals, transfers, bill payments and withdrawals for bill payments

Online and mobile transactions²: transfers, transfers to another person and bill payments
Cheques and debits included
Cheques and preauthorized debits

Unlimited personalized cheques

Cheque certification

American Express^®5 travellers cheques for one

American Express^®5 travellers cheques for two: fee of 0.5%
Other services included
Drafts or money orders

Online or mailed account statement

Overdraft protection

Use of THE EXCHANGE^®4 banking machine network

Safety deposit box³: 50% off yearly rental charges

(

Included in the package)

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1	User fees for the Interac® banking machine and point-of-sale network and the CIRRUS^®3 banking machine network are also payable. No additional fees apply for use of THE EXCHANGE^®4 banking machine network.
2	Certain browser versions are required to access National Bank's Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.
3	Minimum 12-month rental in Canada. Some conditions apply, particularly concerning eligibility for safety deposit box rental. Details available in branches. Safety deposit box rental charges are indicated in the Guide to Personal Banking Solutions, which is available in branches.
®	Registered trademark of Interac Inc.
®1	NYCE is a registered trademark of NYCE Payments Network, LLC.
®2	Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at nbc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and then converted into Canadian dollars.
®3	Registered trademark of CIRRUS SYSTEM Inc.
®4	Registered trademark of Fiserv Inc.
®5	Registered trademark of American Express Company US. AUT Copyright; American Express Canada, Inc. 1992 SS-010-F.

Contenu du sous-menu "CREDIT CARD"

World^®^,1
A world of privilege
For those who want more than just a travel card: prestige, flexibility and generosity.

Regular rate

19.5% / $125 per year²

Rewards

Rewards Plan: Included

Additional card

No fee

Minimum credit limit

$5000
(depending on your credit file)

Accumulate points at an accelerated pace.
Travel when and where you want and take advantage of travel discounts.
Enjoy the peace of mind that comes with superior insurance program.
Get access to an outstanding concierge service.
Receive an annual statement listing all charges to your card.
Benefit from reassuring protection.

The World credit card allows you to accumulate points at an accelerated pace.

Indeed, as the table below illustrates, during the 12-month reference period, for each dollar in purchases between $20,001 and $30,000 charged to your account, you’ll accumulate 0,5 additional point.

Net purchase volume² over 12 months:
0 to $20,000 =	1.5 points per dollar in purchases
$20,001 to $30,000 =	2 points per dollar in purchases
$30,001 and more =	1.5 points per dollar in purchases

Accelerated point accumulation is calculated based on a period of 12 months from the date at which the account was opened.

You can redeem your points to obtain:

brand name products,
gift cards,
À la carte Extras,
a donation to a cause you hold dear.

You can also exchange your points for a travel discount, and use them to save on flights, packages, hotels, excursions, vehicle rentals, train tickets, etc. There’s no restriction related to dates or the choice of travel agency. It’s all up to you.

Points exchanged	Travel savings
11,000 points	$100
50,000 points	$500
More than 50,000 points	Above and beyond 50,000 points in the same transaction, every 10,000 points segment entitles you to an additional $100 travel discount.

Details

A complete travel-insurance program³

Out-of-Province-of-Residence Medical/Hospital Insurance up to $5,000,000. Maximum trip coverage period is calculated based on age.

Age	Maximum Trip Length
54 and under	60 days
55 to 64	31 days
65 to 74	15 days

Trips exceeding the maximum admissible length will not be covered by the Medical/Hospital Insurance. Coverage applies to main cardholder, their spouse and any dependent children.

Trip Cancellation Insurance up to $2,500 per person.
Trip Interruption Insurance up to $5,000 per person.
Flight Delay Insurance up to $500 per person for flights delayed 4 hours or more.
Baggage Insurance up to $1,000 per person in case of theft, burglary, disappearance, or vandalism, plus up to $500 per person should your checked baggage be delayed more than 6 hours.

The Concierge Service

The World MasterCard credit card gives you all-time access to a wide range of services designed to make your life easier. Shows, restaurants, trips, sporting events, golf: Our thoughtful staff is here to help. They can offer information and recommendations as well as make reservations—here and abroad!

Annual statement helps you manage your finances

Once a year, you'll receive a comprehensive statement listing all charges to your World MasterCard.

Reassuring protection³

	Vehicle Rental Insurance
	Exoneration from liability in case of collision, theft or damage to any vehicle rented for a period of 48 days or less. Personal Effects Insurance of up to $2,000 per rental period in case of theft or vandalism.

	Purchase Protection
	Purchase Insurance provides protection in case of theft or damage for 180 days following the date of purchase. An Extended Warranty triples the manufacturer’s coverage period for up to two additional years.

	MasterCard’s Zero Liability⁴
	Protects you against all liability if unauthorized purchases are made with your credit card. This coverage extends to purchases made in-store, over the telephone and online.

	Medical, general and legal assistance
	24-hour toll-free number for medical, administrative and legal problems, anywhere in the world. 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 on 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. Emergency cash transfers.

Insurance certificate

Consult the insurance certificate

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1	Subject to credit approval by National Bank.
2	The net annual purchase volume is the amount charged to the account minus returns and reimbursements. Annual fees, balance transfers and cash advances are not included in this calculation.
3	Theses protections apply if purchases or rentals are paid for with the card, with the exception of the Out-of-Province-of-Residence Medical/Hospital Insurance, for which it is not necessary to pay for a trip with the card. Certain conditions and restrictions apply. For more information, consult the documentation available in branches.
4	Certain conditions apply. Visit mastercard.ca for more information. Consult the credit card's terms and conditions.

Contenu du sous-menu "FINANCING"

Personal Flex Line^®

This line of credit¹ gives you access to financing and provides an easy way to manage your banking transactions.

Main advantages:

Credit limit based on your needs and borrowing capacity
Advantageous interest rate
Access to funds at all times²
Possibility of using your Personal Flex Line as your main account

Automated services included
Client Card purchases in Interac^®1, NYCE^®2et Maestro^®3 networks

Transactions at National Bank banking machines³: withdrawals, transfers, bill payments and withdrawals for bill payments

Online and mobile transactions⁴: transfers, transfers to another person and bill payments
Cheques and debits included
Cheques and preauthorized debits

Unlimited personalized cheques

Cheque certification

American Express^®6 travellers cheques for one

American Express^®6 travellers cheques for two: fee of 0.5%
Other services included
Drafts or money orders

Online or mailed account statement

Overdraft protection

Use of THE EXCHANGE^®5 banking machine network

Safety deposit box⁵: 50% off yearly rental charges

For more information regarding the advantages of our Financing Solutions, please contact a financial advisor at the branch nearest you.

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1	Financing subject to credit approval by National Bank. Certain conditions apply.
2	Subject to banking charges for usage (per transaction or according to banking package). Please refer to our Fees, General Information and Agreement guide, which is available in branches.
3	User fees for the Interac^®1 banking machine and point-of-sale network and the CIRRUS^®4 banking machine network are also payable. No additional fees apply for use of THE EXCHANGE^®5 banking machine network.
4	Certain browser versions are required to access National Bank's Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.
5	Minimum 12-month rental in Canada. Some conditions apply, particularly concerning eligibility for safety deposit box rental. Details available in branches. Safety deposit box rental charges are indicated in the Guide to Personal Banking Solutions, which is available in branches.
®	Personal Flex Line is a registered trademark of National Bank of Canada.
®1	Registered trademark of Interac Inc.
®2	NYCE is a registered trademark of NYCE Payments Network, LLC.
®3	Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at nbc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and then converted into Canadian dollars.
®4	Registered trademark of CIRRUS SYSTEM Inc.
®5	Registered trademark of Fiserv Inc.
®6	Registered trademark of American Express Company US. AUT Copyright; American Express Canada, Inc. 1992 SS-010-F.

Contenu du sous-menu "INVESTMENT"

Investment Solutions

Investments Offered to professionals by National Bank
Conventional redeemable¹ and non-redeemable fixed-rate GICs in CDN$² and US$³ Progress RRSPs⁴ Progress LIRAs⁴ TFSA cash balance⁴ Receive a bonus of ¼% on the posted rate⁵ for all these products
Private Investment Management Offered to professionals by National Bank Trust⁶
Complex financial planning mandates Receive a 20% discount on fees Asset management Receive a 10% discount on first-year fees Complete estate settlement plans Receive a 10% discount on fees For more information, please visit nbc.ca/pim.
Direct Brokerage Offered to do-it-yourself investors by National Bank Direct Brokerage⁷
National Bank Direct Brokerage gives you powerful tools, competitive pricing and unbeatable customer service to help you monitor your investments and keep you informed of market developments. Credit balance in a brokerage account Receive a bonus of ½% Debit balance in a brokerage account Receive a discount of ½% RRSP/RRIF Receive a 50% reduction on annual management fees RESP No annual management fees For more information, please call 1-800-363-3511 or visit nbc.ca/nbdb.
Full Service Brokerage Offered by National Bank Financial⁸
Our investment advisors provide personalized services to guide you with your financial strategies, maximize your returns and reduce the risks associated with your investments, depending on your investor profile and on your risk tolerance. National Bank Financial can also provide advice on managing your family assets. RRSP, RRIF, RESP, TFSA, SSP II Receive a 50% discount on annual administration fees For more information, please call 1-800-361-8838 or visit info.nbf.ca.

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.

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1	Redeemable fixed-rate guaranteed investment certificates not available in LIRAs
2	Offer valid only for redeemable and non-redeemable fixed-rate guaranteed investment certificates (GICs) in Canadian dollars. The minimum investment required (in CDN$) is $500 for registered GICs, $5,000 for non-registered GICs with terms of 30 to 364 days and $1,000 for non-registered GICs with terms of 1 to 5 years. The interest rate is based on the principal amount invested and the length of the term. For further information, visit nbc.ca under ''Rates''. Simple or compound interest, at the client's option, paid annually. 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.
3	Offer valid only for redeemable and non-redeemable fixed-rate guaranteed investment certificates (GICs) in U.S. dollars. Minimum investment of US $5,000. The interest rate is based on the principal amount invested and the length of the term. GIC redeemable with penalty. Simple interest only, which is payable at maturity for terms of 30 to 364 days and semi-annually for terms 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	Minimum contribution: $25.
5	The interest rate is based on the principal amount 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.
6	Private Investment Management is offered by National Bank Trust Inc. and Natcan Trust Company, two subsidiaries of National Bank of Canada using the business name of National Bank Trust. Eligibility for this service depends on certain administrative conditions.
7	National Bank Direct Brokerage Inc. is a subsidiary of National Bank of Canada. National Bank Direct Brokerage Inc. offers no advice and gives no investment recommendations. The client alone is responsible for the financial consequences of his/her investment decisions.
8	National Bank Financial is a wholly owned indirect subsidiary of National Bank of Canada. National Bank of Canada is a public company listed on the Toronto Stock Exchange (NA: TSX).

Contenu du sous-menu "FOR YOUR BUSINESS"

Our specialized account managers can help you with your projects :

Start up or relaunch a business
Finance an activity¹
Acquire new office space
Finance specialized equipement¹
Plus many other benefits!

For more information, please contact your account manager in your nearest branch, or call 1-800-361-8688 (or 514-394-5000) extension 485212. You can also visit financialcures.ca.

Non-interest bearing current account
Carrying out your day-to-day transactions² is easy. No monthly fee for our Internet Banking Solutions³ - Business The following transactions are free of charge: cheques and debits, withdrawals and deposits at the branch counter, credits, and automated and electronic transactions No charge on deposit contents A Business Client Card free of charge the first year. After that period, an annual fee of $25 will apply Bill payments via National Bank banking machines and our Internet Banking Solutions³ - Business
Interest bearing current account
Put your excess cash to work for you. A Business Client Card is free of charge the first year. After that period, an annual fee of $25 will apply No monthly fees for ou Electronic Banking Solutions 50% off transaction fees if an account balance of $25,000 is maintained Interest payments at preferential rate on balances of $25,000 or more Bill payments via National Bank banking machines and our Internet Banking Solutions³ - Business No monthly fees for ou Electronic Banking Solutions and TelNat Business Automated Telephone Service
BusinessFlex Inc. line of credit
Capitalize on business opportunities and carry out your transactions. Advantageous interest rate Minimal account management fees No transfer charges Balance information available via our Electronic Banking Solutions Advances automatically repaid based on the funds available in your current account Interest calculated only on the portion of the line of credit used (transfers rounded to the nearest dollar) Loan insurance (life insurance) available at any time⁴
Term loan
Help your business grow over the medium and long term. Discount on credit analysis fees Variable amortization based on the life of the financed asset Reduced, fixed or variable interest rate Balance information available via our Electronic Banking Solutions Possibility of equal payments, depending on the repayment option selected Repayment of principal can be deferred (interest continues to accrue during this time) Loan insurance (life and disability) are available at any time⁴
Payroll and human resources management services
Reduce the time and costs related to personnel management. No start-up fees and no processing fees and no processing fees for the first month⁵: Telephone payroll Nethris Internet Suite^TM (basic or professional) The Nethris Internet Suite is fully integrated and modular, allowing you to choose the following options : Human resources management Time and attendance management Payroll processing Self-service portal For more information, please call 1-800-361-8688 ext. 0721 or visit nbc.ca/payroll.

Pharmacists operating under a banner or professionals who are members of a commercial association

Did you know that we have developed a privileged offer for you? National Bank puts the expertise of its specialized team at your disposal to offer solutions tailored to your needs and your reality thourgh its Commercial Banking Managers and Franchises and Commercial Partnerships Advisors.

Available solutions include made-to-measure financing for your growth, expansion and acquisition projects as well as solutions to improve the daministration of your banking operations.

To discover all the details of your priviliged offer, call 1-800-394-6611 (or 514-394-6611) and ask for the Franchises and Commercial Partnerships Departments or e-mail us at franchises@bnc.ca.

Platinum MasterCard Business Card^®^{, 1}

Regular rate

19.5% / $75 per year⁶ (instead of $125)

Reduced rate

Not offered

Additional card

$35

Rewards plan

Yes

Minimum credit limit

$1 000
(depending on your credit file)


	Rewards program
	Generous and flexible Rewards Plan geared to travellers You can mix business with pleasure thanks to the À la carte Rewards Plan included with your card ! The Platinum Business card offers you the opportunity to redeem your points for credit to your account and for quality items, gift certificates and even trips.

	Insurance coverage
	Platinum Business personal protection insurance program is an optional program offered by Blue Cross⁸. Find out more about three types of insurance offered exclusively to Platinum Business cardholders. Extensive insurance programs are included with the Platinum Business card.

	Other advantages
	Easily control all spending with the Platinum Business card!

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1	Financing subject to credit approval by National Bank. Certain conditions apply.
2	Please refer to our Fees, General Information and Agreement guide, available in branches.
3	Certain browser versions are required to access National Bank's Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.
4	Subject to the terms and conditions described on the insurance certificate. Certain exclusions and restrictions apply. Insurer: National Bank Life Insurance Company.
5	This offer may not be combined with any other offer or promotion. For more information, please visit nbc.ca/payroll.
6	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 May 1 2012:
®	MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.
TM	Nethris is a 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 solutions and services. TD EDS/Trans Alliance L.P. TD Registered trademark of Fiserv Inc.