Health Sciences Specialists | Advantages

Specialists
Health Sciences

Also offered:
Financial Package for students in health sciences

Advantages

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"

Platinum MasterCard^®,1

A flexible, rewarding tool, your Platinum MasterCard lets you travel with complete freedom and peace of mind.

Regular rate²

19.5 %

$125 per year

Reduced rate

Not available

Additional card

No fee

Rewards plan

Yes

Minimum credit limit

$500
(depending on your credit file)

Platinum Card

Rewards program

Generous and flexible À la carte Rewards Plan geared to travellers

Each time you make a purchase with your Platinum MasterCard, you earn points that can be redeemed for great rewards!

Use your Platinum card for every day purchases
Earn 1.5 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. His purchases will be added to your balance thereby generating more points for you! Additional cards are free and your spouse can enjoy the advantages of the package!

Insurance coverage

Travel Insurance

Out-of-Province of residence Medical/Hospital Insurance
UP TO $5,000,000.

Maximum trip coverage period is calculated based on age.

Person aged Maximum Trip Length

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, spouse and 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 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 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.
Coverage of up to $2,000 during the vehicle rental period against theft or vandalism to your personal effects.

Medical, General and Legal assistance³

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 using 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
Emergency cash transfers.

Insurance certificate

Consult the insurance certificate 566 kB - 13 pages.

Travel advantages

Travel when and where you want!

What's more, with the Platinum MasterCard rewards plan, you enjoy greater flexibility when making travel plans. You can:

Choose your own travel agency
Travel when you want, with the airline of your choice
Take advantage of last-minute discounts and seat sales
Redeem points for any service offered by a travel agency, online interactive agency or airline
Pay with points only or combine your points and your Platinum MasterCard.

Points exchanged	Travel savings
11,000 points	$100
50,000 points	$500
More than 50,000 points	When you exchange more than 50,000 points, each additional block of 10,000 points entitles you to $100 in travel savings

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Financing subject to credit approval by National Bank of Canada. Certain conditions apply.

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^st , 2012:

	Average Balance
Annual Interest Rate	$500	$3,000
19.5%	$8.01	$48.08

Services offered and insured by CanAssurance, a subsidiary of Blue Cross.

MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

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 on 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

Private Investment Management Offered to professionals by National Bank Trust¹
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 Brokerage²
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 Financial³
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 one of our financial advisors at the branch nearest you.

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1	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.
2	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.
3	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 team 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 1-866-353-9462. You can also visit financialcures.ca.

Non-interest bearing current account
Carrying out your day-to-day transactions² is easy. Enrollment in Internet Banking Solutions - Business³ is free for the first three months. 15% off the fees for cheques and debits, withdrawals and deposits at the branch counter, credits, and automated and electronic transactions. Business Client Card free of charge the first year. After that period, an annual fee of $25 will apply. For more information, please call 1-877-394-6611 or 514-394-6611.
Interest bearing current account
Put your excess-cash to work for you. Enrollement in Internet Banking Solutions - Business is free for the first three months. Interest paid at an advantageous rate on balances of over $15,000. 15% off the fees for cheques and debits, withdrawals and deposits at the branch counter, credits, and automated and electronic transactions. Business Client Card is free of charge the first year. After that period, an annual fee of $25 will apply. For more information, please call 1-877-394-6611 or 514-394-6611.
BusinessFlex Inc. line of credit
Capitalize on business opportunities and carry out your transactions. 15% off the annual fee⁴ 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 time⁵
Term loan
Help your business grow over the medium and long term. 15% off the application fee⁶, up to $125 Variable amortization based on the life of the financed asset 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 time⁵
Payroll and human resources management services
Reduce the time and costs related to personnel management. No start-up fees and no processing fees for the first month⁷: 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.

1	Financing subject to credit approval by National Bank. Certain conditions apply.
2	Please refer to our Fee Guide - Banking Services for Businesses, which is 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	The annual fee for the BusinessFlex Inc. line of credit is $250 if the limit is between $10,000 and $100,000.
5	Subject to the terms and conditions described on the insurance certificate. Certain exclusions and restrictions apply. Insurer: National Bank Life Insurance Company.
6	The term loan application fee represents 0.5% of the requested amount.
7	This offer may not be combined with any other offer or promotion. For more information, please visit nbc.ca/payroll.
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.