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Home > Accounts and Packages > Financial Packages > Professionals > At a glance - Health Sciences Specialists > Advantages — Health Sciences Specialists
 


Specialists
Health Sciences
Also offered:
Financial Package for students in health sciences
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Advantages

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Chequing Account Credit Card Financing Investment For Your Business

Contenu du sous-menu "CHEQUING ACCOUNT"


Summary
( Included in the package)


Monthly fee

$0.00/month

Number of electronic transactions1 included

Unlimited


Details

Electronic Banking Solutions

Internet and Telephone

Monthly fee

Transfers, transfers to another person and bill payments

Automated Services

Client-Card purchases (InteracTM1)

Withdrawals, transfers and bill payment at National Bank ABMs


Cheques and Debits

Cheques and Pre-Authorized Debits
Cheques, pre-authorized debits, certified cheques

Personalized cheques (basic model)


Unlimited

American ExpressTM2 travellers cheques


American Express Travellers Cheques for Two,
fee = 0.5 % of cheque amount


Other Services

Account handling (paper or online statement)

Overdraft protection

Drafts and money orders

Safety deposit box2: 1½''x5'', 2½''x5'', 3¼''x5''

50% discount
(subject to availability)


Simplified Transfer Service3

You can transfer all your pre-authorized transactions and bank balances from another financial institution to National Bank.

Simple and efficient with no sign-up fee3

( Included in the package)

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1 Does not include InteracTM or CIRRUS® user fees.
2 Minimum rental period of 12 months in Canada. Certain conditions apply, particularly in respect to eligibility for safety deposit box rental. Details available in-branch. 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"
Platinum MasterCardTM,1

The Platinum MasterCard gives you access to a complete insurance program and a generous rewards program.

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! For each dollar spent, you earn 1.5 points.
  • 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 or anyone else. Their purchases will be added to your balance thereby generating more points for you!
Insurance coverage

Travel Insurance

  • Out-of-Province 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 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.
  • Coverage of up to $2,000 during the vehicle rental period against loss, theft or damage 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.
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 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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1 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 October 1st 2010:

Average Balance

Annual Interest Rate

$500

$3,000

19.5%

$8.01

$48.08

TM

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

Contenu du sous-menu "FINANCING"

Financing Solutions1
Personal Flex Line

Withdraw funds as and when you need them, up to the credit limit of your line of credit.

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 payments at National Bank banking machines
Account administration (paper or online statement)
Monthly enrolment in our Electronic Banking Solutions
200 personalized cheques per year
Certified cheques
Overdraft protection
American ExpressTM travellers cheques
(For American Express Travellers Cheques for Two, fee = 0.5% of cheque amount)
Bank drafts and money orders
50% discount on the annual safety box5 rental fee

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
  • Mortgage Line of credit
  • All-In-One banking solution.

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.

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1 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 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 October 1st 2010:

Average Balance

Annual Interest Rate

$500

$3,000

Prime rate (3%) + 0.75% = 3.75%

$1.54

$9.25


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 based on your needs. Your advisor will explain National Bank products and those of its subsidiaries and will refer you as-needed to the specialists best-suited to your particular needs.

Private Investment Management1
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

Brokerage Solutions
Offered by National Bank Direct Brokerage2
  • Credit balance in a brokerage account
0.5% bonus interest on the interest rate in effect3
  • Debit balance in a brokerage account
0.5% interest discount on the interest rate in effect3
  • 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 one of our financial advisors at the branch nearest you.

Interested in this Package?
Subscribe now!

1

Eligibility for this service depends on certain conditions.

2

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.

3 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 health sciences specialist, there's a good chance you'll be involved in some sort of business venture. For start-up 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 Solutions6 for the first three months
  • 15% discount1 on regular fees for the following transactions:
Cheques
Debits
Withdrawals in-branch
Deposits in-branch
Credits
Automatic and electronic transactions
The Interest-Bearing Current Account

Losing money on cash you're not using right now? The Interest-Bearing Current Account pays you interest and still makes day-to-day banking simple!


Main Advantages

  • One business Client-Card free of charge the first year
  • No monthly fee for our Internet Banking Solutions6 for the first three months
  • 15% discount1 on regular fees 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 $15,000 and over.
    To view today's prime rate, click here.
    (If the prime rate is less than or equal to 3.5%, no interest is paid on balances)

BusinessFlex Line of Credit4

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

  • 15% discount on the annual subscription fee4
  • Balance information available via our Internet Banking Solutions6
  • Advances automatically repaid based on the funds available in your current account
  • Interest is calculated only on the portion of credit used (transfers rounded to the nearest dollar)3.
BusinessFlex Inc. Term Loan4

Finance medium or long-term growth for your business.

Main Advantages

  • 15% discount on the application fee7, up to $125
  • Term varies depending on the life of the financed asset
  • Fixed or variable interest rate
  • Payment amounts are known in advance
  • Possibility of a principal repayment moratorium for up to 12 months (interest will continue to accrue during that period).

To contact a BusinessFlex Centre, call 1-800 361-8688, extension 485212, 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 2010, sign up for payroll processing services, free of charge, and enjoy the first month of service free8:

  • 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 Please refer to the Fee guide for Banking Services for businesses, available in branches.
2 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.
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 $10.00, excluding any insurance premiums.
Examples of interest charges for a 30-day period at the rate applicable on October 1st 2010, are shown below:

Average Balance

Annual Interest Rate

$3,000

Prime rate (3%)

$15.60

4

Subject to credit approval by National Bank of Canada.

5

The annual subscription fees of the Business Flex line of credit are $250, for line of credit over $10,000 and under $100,000.

6

Certain browser versions are required to access National Bank's Internet financial services. For information, consult the browser requirements at nbc.ca/browsers.

7

The application fees for the BusinessFlex term loan correspond to 0.5% of the amount requested.

8

This offer is valid until December 31st 2010 and may not be combined with any other offer or promotion. After December 31st 2010, 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.


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