PROMOTION

Offer for students in health sciences

Ensure your financial well-being

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At a glance

Up to

$565

in annual savings¹

1 bank account³

with no monthly fee

Platinum²

credit card

Student

line of credit⁴

For students training to be:

Audiologists
Denturists
Occupational therapists
Dental hygienists
Respiratory therapists
Opticians
Speech therapists
Pharmacologists
Physiotherapists
Psychologists
Midwives
Medical technologists

Medical imaging and radiation oncology technologists
Osteopaths
Social workers (including marriage and family therapists)
Paramedics
Dieticians and nutritionists
Chiropodists (outside Quebec only)

Study with peace of mind thanks to our great offer!

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The perks in detail

A bank account with no monthly fee

Get a Canadian or U.S. dollar account with no monthly fee.

Advantages

• Unlimited ABM and online transactions
• Unlimited Interac e-Transfers®
• 100 personalized cheques free of charge
• Overdraft protection
• Access your account from anywhere in Canada via THE EXCHANGE^® ABM network • Manage your finances through our mobile app or online platform

A Platinum Mastercard^® credit card

Pay no annual fees for the first two years. The regular annual fee will be billed automatically two years after the card is issued.

$89 annual fee

19.99% purchase rate

22.99% balance transfer and cash advance rate^5-6

Advantages

Travel rewards
Up to 1 point per dollar spent⁷
Comprehensive travel insurance⁸
Vehicle rental insurance

View card details

A line of credit with preferential terms and conditions

Our student line of credit⁹ helps you cover unexpected expenses.

Great rates

Prime rate +0.75%

Current interest rate

4.70%

No management fees

Advantages

Repaid credit can be reused as needed
Your credit limit is established based on your needs and program of study

See our student line of credit

Tip

Twice as nice: Get a second Mastercard credit card so your spouse can also benefit from this offer.¹⁰

Providing support throughout your career

Professionals

Are you a graduate? Save on your transactions and get a great deal on a line of credit and a mortgage with our offer for health science specialists.

See offer

Business banking

Have you completed your studies and want to open your own firm? Get financing¹¹ and benefit from tools and advice to simply your HR management with our offer for entrepreneurs.

See offer

National Bank is a proud partner of

Ordre professionnel des inhalothérapeutes du Québec

Ordre des hygiénistes dentaires du Québec

Ordre professionnel des technologistes médicaux du Québec

Ordre des technologues en imagerie médicale, en radio-oncologie et en électrophysiologie médicale du Québec

Corporation des Paramédics du Québec (CPQ)

Opticians association of Canada

New Brunswick Society of Medical Laboratory Technologists

Little details that matter

Eligibility criteria

Be a full-time student in Canada.
Visit the branch once a year to update your file. You will be asked to show a piece of ID and proof of full-time student status.
Have an eligible bank account¹².

Student line of credit rate

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	Rate
With guarantor	P + ${p1.ecart\|percent:"true"} = ${p1.taux\|percent:"true"}
Without guarantor	P + ${p1.ecartAutre\|percent:"true"} = ${p1.tauxAutre\|percent:"true"}

Legal disclaimers

® MASTERCARD is a trademark of Mastercard International Inc. used under licence by National Bank of Canada.

®THE EXCHANGE is a registered trademark of Fiserv Inc.

® INTERAC, the INTERAC logo and INTERAC e-Transfer are trademarks of Interac Inc. Used under licence.

® THE TOTAL is a registered trademark of National Bank of Canada.

1. Subject to credit approval by National Bank. The $567 in annual savings is provided as an example only to illustrate what a holder could save with the package. It is based on the profile of a client who has the following products: The Total^® package or equivalent (The Total^® is available for a $16 monthly fee to full-time post-secondary students between the ages of 18 and 24 years old; other accounts and offers are also available) and a student line of credit with a $30,000 limit authorized by the Bank with a guarantor.

Savings are calculated as follows: No monthly fee for transactions included in The Total^® Account (annual savings of $192), plus an annual 1.25% rate discount for the Student Line of Credit (annual savings of $375). These savings represent the difference between what a client with the package and a client without it would pay. Certain eligibility conditions apply. Potential savings may not reflect the net savings that you will receive; this amount will vary based on your financial situation.

2. Subject to credit approval by National Bank of Canada. Certain conditions apply. Two years after the card is issued, the regular annual fee in effect will automatically be charged to the account. Offer cannot be renewed.

3. A chequing account. Some services such as the passbook and paper statement by mail are not included.

4. Subject to credit approval by National Bank. Certain conditions apply. A guarantor who satisfies National Bank's criteria may be required. The annual amount is based on your personal budget needs.

5. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. The minimum payment to be made to the Bank every period will be equal to 2.5% of the account balance plus any overdue amount or $10, whichever is higher (or the account balance if it is lower than $10). If the credit limit is exceeded, the minimum payment required will be 2.5% of the account balance or the amount in excess of the credit limit, whichever is higher. Account statement: A statement is sent monthly.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate	Average balance
Annual interest rate	$500	$3,000
19.99%	$8.22	$49.29
22.99%	$9.45	$56.69

6. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

7. Certain restrictions apply. Please consult the applicable rules governing reward points under Rewards plan.

8. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, his/her spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new articles purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your card.

9. Subject to credit approval by National Bank.

The regular rate for a line of credit is the prime rate* + 3%, which corresponds to 6.95% ( ${p1.tauxBase|percent:"true"} + 3%) as at October 25, 2018. As the applicable rate is based on the prime rate, it may fluctuate over time. No management costs. Account statements are produced monthly. Interest accrues as soon as an amount is drawn on the line of credit. Students must start repaying the principal when they have a full-time job or within 12 months of the end of their studies.

*The prime rate means the annual variable interest rate posted by National Bank, from time to time, and used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out today's rate.

Examples of credit charges calculated for a period of thirty (30) days for the student line of credit based on the rate in effect on September 8, 2017.

	Average balance
	$5,000	$15,000
Prime rate + 3.00% (6.20%)	$25.48	$76.44

10. Only the spouse of the main cardholder of the Mastercard credit card included with offer is eligible for an additional card. Regular annual fees apply for the additional card.

11. Subject to credit approval by National Bank.

12. National Bank reserves the right to cancel the savings and benefits offered as part of the offer for professionals at any time, without prior notice, if the client closes his eligible bank account or Mastercard credit card and replaces them with an ineligible account or Mastercard credit card.

Ready to apply for the package?

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Offer for students in health sciences