This table shows how much you could save on interest if you consolidated all your financing needs with All-In-One Banking:

 Without the All-In-One (Traditional approach: all loans are separate) Amount Monthly payment Interest rate and APR1 Interest paid Over 1 year Over 5 years Mortgage loan2 \$200,000 \$1,474.31 5.69% \$11,078.68 \$51,350.32 Personal loan3 \$10,000 \$212.47 10.00% \$926.96 \$2,748.23 Renovation loan4 \$15,000 \$297.02 7.00% \$967.75 \$2,821.08 Credit card5 \$3,000 \$46.58 14.00% \$410.73 \$1,796.66 Big store credit card6 \$2,000 \$46.92 26.00% \$514.49 \$2,381.94 Total \$230,000 \$2,077.30 --- \$13,898.61 \$61,098.23
All-In-One-Banking (New approach: all loans are grouped together)
Total \$230,000 \$2,077,30 *4.00%7 \$8,908.43 \$37,744.35
With the All-In-One, a client would save   \$4,990.18 \$23,353.88

The data shown in this table are assumptions only and illustrate the advantages of this product under identical conditions. These data do not create any legal or contractual obligations for National Bank. The granting of the line of credit remains subject at all times to credit approval by National Bank.

*Interest rate for the All-In-One (line of credit)

As at August 16, 2017 10:00 PM: 2.950% + 1%

This is a variable rate that corresponds to the prime rate + 1%, representing one of the lowest rates on the market.

The prime rate is the annual variable interest rate published by National Bank 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.

Fees for the All-In-One (fixed transaction fees)

• Main account: \$6.00/month
• You are responsible for the property appraisal fees and any legal fees.

1The APR, or annual percentage rate, represents the amount of interest and fees charged by the Bank, expressed as an annual rate. It corresponds to the annual interest rate if there is no cost of borrowing other than interest.

2The example is based on a financing need of \$200,000 for a 5-year term, with a eighteen-year residual amortization and a fixed mortgage rate of 5.69%, and no monthly fees.

3The example is based on a financing need of \$10,000 with 5-year residual amortization and a fixed mortgage rate of 10%.

4The example is based on a financing need of \$15,000 with 5-year residual amortization and a fixed mortgage rate of 7%.

5The example is based on a financing need of \$3,000 with a fixed mortgage rate of 14%. Instalments have been determined to repay the debt in 120 months.

6The example is based on a financing need of \$2,000 with a fixed mortgage rate of 26%. Instalments have been determined to repay the debt in 120 months.

7The example is based on a hypothetical rate of 4.00%. Rates may vary.