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.
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!
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
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.
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.
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.
Do you need financial planning advice?
Here are three easy ways to contact a National Bank Financial Planner:
Included in the package)
