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Rotating strikes at Canada Post Ottawa/Gatineau Tornadoes Credit cards Bank Accounts Security

Rotating strikes at Canada Post

A rotating strike by Canada Post employees began early this morning and will result in a 24-hour service interruption in one or several targeted region(s) of the country. Considering that the strikes will be short and affect only a limited number of regions per day, we anticipate that they will have little to no impact on our day-to-day activities.

However, as a preventive measure, we recommend the following:

Sign up for our digital (online, mobile) and/or telephone banking solutions. You can use these solutions to:
- Access your banking information at any time
- Check balances or amounts payable (credit cards, mortgage, other loans) and payment deadlines
- Pay your bills
- Transfer funds and other everyday banking transactions
Contact service providers (cable, telephone, Internet, etc.) to request electronic delivery of statements and bills so you don't miss any payment deadlines
Set up automatic debits from your bank account to make sure your regular payments are carried out on time (can also be charged to your credit card)
Pay bills via ABM or at a branch
For cheques or recurring payments from other organizations or government agencies, please contact them for options available to you. If possible, sign up for direct deposit so payments are automatically deposited into your bank account.

IMPORTANT! Despite one or more possible work stoppages in your region, your payments must still be made by their due date.

Be prepared by signing up for our Internet Banking Solutions today

Online Banking Solutions

Mobile Banking Solutions

Telephone Banking Solutions

Are you a business client? Be prepared

Clients of National Bank Financial – Wealth Management

Take this chance to sign up for our Online Documents Service.

An environmentally-friendly choice that offers easy, secure access to all your account documents.

Visit the following websites to view information related to securities you currently hold or those you are interested in:

www.sedar.com (Canada)
www.sec.gov/edgar.shtml (U.S.)

If you have any questions, please contact your Investment Advisor.

Private Banking 1859 Clients

Take this chance to sign up for our Secure Acces.

An environmentally-friendly choice that offers easy, secure access to all your account documents.

Visit the following websites to view information related to securities you currently hold or those you are interested in:

o www.sedar.com (Canada)

o www.sec.gov/edgar.shtml (U.S.)

If you have any questions, please contact your PB1859 Advisor

Clients of National Bank Direct Brokerage

Take this chance to sign up for our Online Documents Services.

An environmentally-friendly choice that offers easy, secure access to all your account documents.

Visit the following websites to view information related to securities you currently hold or those you are interested in:

o www.sedar.com (Canada)

o www.sec.gov/edgar.shtml (U.S.)

If you have any questions, please contact us as 514-866-6755 or toll-free at 1-800-363-3511.

Clients of National Bank Investments

If you are an Investment Advisor with any questions, you can contact us by phone at 1-877-463-7627 or by e-mail at dealer.services@nbc.ca.

If you are an investor, contact your advisor directly.

FAQ

I usually receive my credit card bill by mail. How can I make payments?
Sign up for our Online or Telephone banking solutions. With these solutions, you can check the amount payable and due date at any time, then carry out your payment.

I do not have a computer or a mobile phone. How can I find out how much I owe and make my payments?
Sign up for our telephone banking solutions at 1-888-483-5628 to be able to check the amount payable (credit card, mortgage or other loans) and due date at any time, then carry out your payment.

Pay bills via ABM or at a branch.

Are there any fees to use Internet Banking Solutions?
That depends on your banking package and the type of transactions you make. Fees may apply to some transactions. Please refer to our Fee Guide or contact one of our agents at 1-888-483-5628.

* Fees may apply. Please consult our Fee Guide.

Ottawa/Gatineau tornadoes: Supporting the victims

Many of our fellow citizens are in difficulty following severe tornadoes in Ottawa and Gatineau.

They need our support, both physically and financially.

I would like to offer my support

We support disaster victims by accepting donations online and at all our branches across Canada.

Visit your nearest branch to make a donation to the Red Cross.

Donate online

Donate with Mastercard points via à la carte rewards

Find a branch to make a donation

I am a client affected by tornadoes

Clients affected by the disaster, call 1-888-483-5628

The Bank will be deploying its usual support measures for clients affected by the disaster which include, among other things:

Deferred payments on personal loans
Deferred payments of principal and interest on personal mortgage loans
Personalized, case-by-case agreements for affected business clients

Clients impacted by the disaster are encouraged to contact their branch or Telnat Telephone Banking Solutions to discuss their case.

Clients in the Gatineau region, our 920 St-Joseph Blvd. branch was affected by the tornadoes and is closed for the moment. Please visit another branch or call us.

See the press release for more details.

Credit cards

Changes to credit cards

As of July 9, 2018, changes to the À la carte Rewards plan^®, pricing, insurance coverage and/or Cardholder agreement of our credit cards will come into effect.

To find out which changes are applicable to you, please click on one of the following links.

For simplified management of your finances, learn about the advantages and new features of our digital tools.

Personal

Business

I benefit from an offer for professionals.
I have a personal credit card:

I have a business credit card:

Business
Business Line
Platinum Business
PREMIA^®

Allure^®
CAA Rewards^®
ECHO^® Cashback
Edition^®
Escapade^®
MC1
OVATION^®Gold
Platinum
Regular
Syncro

Ultramar^®
World
World Elite^®
World Elite affiliated with the Crescendo or Private Banking 1859 banking offer

Platinum, World and World Elite cards

Changes to the À la carte Rewards plan applicable rules for your Platinum, World or World Elite card

How to earn points

Until July 8, 2018

Effective July 9, 2018

1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte Plan. To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website at nbc.ca/creditcard.

1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte Plan when your account is in good standing. The points accumulated will be posted to your account once a month, provided your account is in good standing on the statement date.

Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date).

To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca.

Changes to the Cardholder agreement for your Platinum, World or World Elite card

Minimum payment

Until July 8, 2018

Effective July 9, 2018

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 3% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 2.5% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

Changes to the pricing, the insurance coverage and/or the À la carte Rewards plan for your card

To find out which changes are applicable to your card, please click on the appropriate link:

To access the full version of the Insurance Certificate related to your card, go to the Reference material section.

World Elite card affiliated with the Crescendo or Private Banking 1859 banking offer

Changes to the Cardholder agreement for your World Elite card

Minimum payment

Until July 8, 2018

Effective July 9, 2018

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 3% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 2.5% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

ECHO Cashback card

Changes to the Cashback program applicable rules for your ECHO Cashback card

How to earn a cashback

Until July 8, 2018

Effective July 9, 2018

1.2 You will earn a cashback for each eligible purchase dollar made using the credit card. The accumulation of the cashback will vary based on the accumulation table in effect available on nbc.ca/ECHO-card.

1.2 You will earn a cashback for each eligible purchase dollar made using the credit card when your account is in good standing. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date).

The accumulation of the cashback will vary based on the accumulation table in effect available on nbc.ca/ECHO-card.

Changes to the Cardholder agreement for your ECHO Cashback card

Minimum payment

Until July 8, 2018

Effective July 9, 2018

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 3% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 2.5% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

Syncro, MC1, Regular, Ultramar and CAA Rewards cards

Changes to the Cardholder agreement for your Syncro, MC1, Regular, Ultramar or CAA Rewards card

Minimum payment

Until July 8, 2018

Effective July 9, 2018

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 3% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 2.5% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

Allure and Edition cards

Changes to the Cardholder agreement for your Allure or Edition card

Minimum payment

Until July 8, 2018

Effective July 9, 2018

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 3% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 2.5% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

The following changes only apply to the Allure and Edition cards with a reward or cashback program.

Changes to the À la carte Rewards plan applicable rules or the Cashback rules for your Allure or Edition card

	How to earn points
	Until July 8, 2018	Effective July 9, 2018
À la carte Rewards plan (exchangeable points)	1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte plan. To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website at nbc.ca/creditcard.	1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte plan when your account is in good standing. The points accumulated will be posted to your account once a month, provided your account is in good standing on the statement date. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date). To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca.
Cashback program	2.1 You accumulate points for each purchase made using your card. For every two dollars ($2) in purchases charged to your card, you’ll earn one (1) point.	2.1 You accumulate points for each purchase made using your card. For every two dollars ($2) in purchases charged to your card, you’ll earn one (1) point when your account is in good standing. The points accumulated will be posted to your account once a month provided your account is in good standing on the statement date. Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date).

OVATION Gold and Escapade cards

Changes to the À la carte Rewards plan applicable rules for your OVATION Gold¹⁴ or Escapade¹⁴ card

How to earn points

Until July 8, 2018

Effective July 9, 2018

1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte plan. To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website at nbc.ca/creditcard.

1.4 You may earn points for every eligible purchase dollar charged to a credit card account which offers the À la carte plan when your account is in good standing. The points accumulated will be posted to your account once a month, provided your account is in good standing on the statement date.

Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date).

To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca.

Changes to the Cardholder agreement for your OVATION Gold or Escapade card

Minimum payment

Until July 8, 2018

Effective July 9, 2018

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 3% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 2.5% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

Business, Platinum Business, PREMIA and Business Line cards

Changes to the Cardholder agreement for your Business, Platinum Business, PREMIA¹⁴ or Business Line card

Minimum payment

Until July 8, 2018

Effective July 9, 2018

8.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $50 and more: 3% of the credit card account balance plus any overdue payment or $50, whichever amount is higher.
> For a balance under $50: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 3% of the account balance
OR
b. the amount of the overlimit.

Exceptionally, for cards with a corporate responsibility (without guarantees), as described in section 10 of this agreement, the minimum payment corresponds to the total unpaid balance.

8.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 2.5% of the account balance
OR
b. the amount of the overlimit.

Exceptionally, for certain accounts with a corporate responsibility, the minimum payment may correspond to the total unpaid balance. See your monthly statement for details.

The following changes only apply to the Platinum Business card.

Changes to the pricing for your Platinum Business card

	Annual fee
	Until July 8, 2018	Effective July 9, 2018
Main card	125$
Additional card	$35	$50

Changes to the À la carte Rewards plan applicable rules for your Platinum Business card

How to earn points

Until July 8, 2018

Effective July 9, 2018

Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date).

To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca.

Cards affiliated with an offer for professionals

Changes to the À la carte Rewards plan applicable rules for your Platinum, World or World Elite card

How to earn points

Until July 8, 2018

Effective July 9, 2018

Your account is in good standing when you comply with the obligations of your cardholder agreement (e.g., making your minimum payment by the due date).

To know the number of points you may earn for each purchase dollar charged to the card you hold, visit our website, nbcrewards.ca.

Changes to the Cardholder agreement for your Platinum, World or World Elite card

Minimum payment

Until July 8, 2018

Effective July 9, 2018

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

> For a balance of $10 and more: 3% of the credit card account balance plus any overdue payment or $10, whichever amount is higher.
> For a balance under $10: the entire credit card account balance.

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 3% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

10.1 Minimum payment

You can make a full or partial payment of the account balance at any time. However, you must make the minimum payment by the due date indicated on your statement. The minimum payment due represents:

If you exceed your credit limit, the amount of the minimum payment due will be the highest of the following amounts:

a. 2.5% of the account balance
OR
b. the amount of the overlimit.

In case of a partial payment, interest will be calculated as described in section 11 of this agreement.

Changes to the pricing, the insurance coverage and/or the À la carte Rewards plan for your card

To find out which changes are applicable to your card, please click on the appropriate link:

To access the full version of the Insurance Certificate related to your card, go to the Reference material section.

FAQ

Why haven't I received my rewards points?
As of July 9, 2018, if your account is not in good standing on the billing date, any points you've earned during the month will not be awarded. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). For the current terms and conditions on earning and redeeming points, please refer to the À la carte Rewards plan applicable rules.

Why haven't I received my cashback?
As of July 9, 2018, if your account is not in good standing on the billing date, any points you've earned during the month will not be awarded. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). For the current terms and conditions on earning and redeeming points, please refer to the Cashback rules.

Why haven't I received the cashback for my ECHO card?
As of July 9, 2018, if your account is not in good standing, you will stop earning cashback until your account is in good standing again. Your account is considered to be in good standing when you fulfill the obligations under your cardholder agreement (e.g., make the minimum payment by the due date). For more information about the current terms and conditions on earning cashback, please refer to the Cashback program applicable rules .

I already have an ECHO card. Will I have to pay the $30 annual fee now?
No, you won't have to pay the fee, because you were an ECHO cardholder before July 9, 2018. The fee applies only to cards issued after July 9, 2018.

I paid for a trip using my Platinum card on July 1, 2018, but I don't leave until July 15, 2018. What insurance coverage applies for out-of-province emergency medical care?
The maximum duration currently in effect applies to all trips with departure dates before July 9, 2018. For departure dates on or after July 9, 2018, the new maximum duration will apply. Please refer to the section about your particular card for more information.

N.B. You will be able to download your new Distribution guide | Insurance certificate from the Reference material section as of July 9, 2018.

I paid for a trip using my Platinum card on June 15, 2018, but I don't leave until August 15, 2018. What insurance coverage applies for trip cancellation, trip interruption and bankruptcy of a travel provider?
The maximums currently in effect will apply to all trips purchased before July 9, 2018. For trips purchased on or after July 9, 2018, the new maximums will apply. Please refer to the section about your particular card for more information.

N.B. You will be able to download your new Distribution guide | Insurance certificate from the Reference material section as of July 9, 2018.

My World Mastercard no longer offers access to the National Bank Lounge at Montreal Trudeau airport. Is there another way for me to use the Lounge?
As of July 9, 2018, as a World Mastercard holder, you're entitled to the preferential rate for National Bank clients (10% off the regular admission fee) when travelling within Canada and internationally (not including the United States).Regular admission to the Lounge is approximately $40 plus tax for adults and $25 plus tax for children. The exact price will be confirmed at the airport. If you use the National Bank Lounge on a regular basis, you may be interested by the World Elite Mastercard, which become the only card that offers free access to the Lounge.

The benefits of my travel credit card have changed. Should I or can I change cards?
We changed the pricing and benefits of our travel credit cards to adapt our offer to your needs and the changing market. Depending on your profile, you may benefit from changing cards. To find the card that's right for your lifestyle and apply online, please refer to our comparative table. You can also make an appointment to meet with an advisor at the branch or contact a customer service representative by calling
1-888-622-2783.

Reference material

To download the reference material applicable to your Mastercard card, click on the following links.

Notices concerning changes

Platinum, World and World Elite

Allure and Edition

OVATION Gold and Escapade

ECHO Cashback

Syncro, MC1, Regular, Ultramar and CAA Rewards

Business, Business Line, Platinum Business and PREMIA

Insurance certificates (if applicable)

Platinum
World and World Elite
Allure, Edition, ECHO Cashback, Syncro, MC1, Regular and Ultramar
Escapade**
OVATION Gold**
CAA Rewards
Platinum Business

* Note that the new version of the Platinum card Certificate, which comes into effect July 9, 2018, will be available here as of the same date.

** These products are only available to current cardholders. They are no longer offered to new clients. To get a copy of the certificate insurance, contact your advisor.

Changes to our bank accounts

The changes made to our banking packages came into effect on January 22, 2018. We have reduced the number of banking packages available to simplify our offering.
On March 18, old products will automatically be replaced by one of our four core packages. See the FAQ below for details of our new improved products.

Changes to our banking fees

Starting January 22, 2018, we will update our fees for personal banking solutions. These changes will be reflected in our Fee Guide

See changes

New fees

> Account handling (paper statement and passbook) fees will now apply, regardless of the account balance:

	Until January 21, 2018	As of January 22, 2018
High Interest Savings Account
Statement sent by mail	Free	$2.50/month/account
Strategist, Natcan Strategist and Crescendo Account^®
Passbook⁵ or statement sent by mail	Free	$2.50/month/account
Chequing Account, USD or CAD Progress Account, Daily Interest Savings Account, Youth Savings Account, Multi-Transaction Account
Passbook⁵ or statement sent by mail	No fee with a minimum or average monthly balance of $2,500	$2.50/month/account

The changes below will apply to the following banking packages:: Accessible, Direct Access, AccessPlus, Virtuoso^®, Direct Access+, UniFee^TM, UniFee+, ClickStudent^® and Perspective

	Until January 21, 2018	As of January 22, 2018
Discount on flat monthly fee
OVATION^{®, 13} Gold Credit Card card holder	50% off (max. $5.00/month)	No discount

As of May 2018, bills paid online will be processed as transactions made through our new ABMs:

	Until end of April 2018	As of May 2018
Online bill payment	Up to 5 bills can be paid in the same transaction	Each bill paid will count as a single transaction

Therefore, your fees or number of your transactions may increase.

Changes to our financial offers

Starting January 22, 2018, we will update our offers. These changes will be reflected in our Fee Guide.

See changes

The changes below will apply to the following offers:

Wealth management; Health sciences specialists and students; Healthcare professionals and students; Business professionals and students: lawyers, notaries, CPA accountants (CA, CGA and CMA) and graduates of HEC Montréal and the Rotman School of Management in Toronto; Nurses and registered practical nurses and nursing students; Engineers, engineering graduates and engineering students; Students and young professionals

	Until January 21, 2018	As of January 22, 2018
Transactions
Sending an Interac^® e-Transfer⁴	$1.00/transfer	Free
Other services
Personalized cheques (shipping fees and taxes not included)	from 200 cheques per year to an unlimited number, depending on the offer	First order of 100 cheques included

Gold and Crescendo (Private Banking); Offer for Newcomers; Made-to-Measure Financial Package; National Bank All-In-One Banking^TM

	Until January 21, 2018	As of January 22, 2018
Transactions
Sending an Interac e-Transfer⁴	$1.00/transfer	Free

Changes to our banking packages

Starting January 22, 2018, we will update the fees for our personal banking solutions.

Below is a reminder of our four main packages as well as the changes being made.

Accessible will be renamed The Minimalist^®

THE MINIMALIST	Accessible Until January 21, 2018	The Minimalist As of January 22, 2018
Number of monthly transactions included¹	12 transactions including 2 teller-assisted transactions
Transactions²
Client Card purchase	Included
Withdrawal, transfer³, withdrawal for bill payment	Included
Sending an Interac^® e-Transfer⁴	$1.00/transfer	Free
Cheque, pre-authorized debit	Included
Branch transactions
Withdrawal, transfer, withdrawal for bill payment	2 included
Bill payment service	$2.00/bill
Other services
Online statement or statement sent by mail	Free
Passbook⁵ (if applicable)	$2.50/month/account
List of transactions at ABMs – Each – Flat fee	$0.75 1.00/month	Free
Fees
Flat monthly fee for transactions included in the package	$3.95 Flat monthly fee regardless of the account balance

No fees for young people aged 0-17, students aged 18-24⁶, seniors aged 65 and over⁷ or beneficiaries (aged 18 and over) of a Registered Disability Savings Plan (RDSP)⁸.

Direct Access will be renamed The Modest^®

THE MODEST	Direct Access Until January 21, 2018	The Modest As of January 22, 2018
Number of monthly transactions included¹	22 transactions	30 transactions
Transactions²
Client Card purchase	Included
Withdrawal, transfer³, withdrawal for bill payment	Included
Sending an Interac e-Transfer⁴	$1.00/transfer	Free
Cheque, pre-authorized debit	Included
Branch transactions
Withdrawal, transfer, withdrawal for bill payment	$1.50/transaction
Bill payment service	$2.00/bill
Other services
Online statement	Free
Statement sent by mail or passbook⁵ (if applicable)	$2.50/month/account
List of transactions at ABMs	Free
Fees
Flat monthly fee for transactions included in the package	$8.25	$9.95
Discount on flat monthly fee⁹
Young people aged 0–17	N/A	$9.95 discount
Students aged 18–24¹⁰	N/A	$9.95 discount
Clients aged 60 or older	N/A	$5.00 discount
Minimum monthly account balance to have flat monthly fee waived	$2,500	$3,000

AccesPlus will be renamed The Connected^®

THE CONNECTED	AccessPlus Until January 21, 2018	The Connected As of January 22, 2018
Number of monthly Transactions included¹	Unlimited transactions
Transactions²
Client Card purchase	Included
Withdrawal, transfer³, withdrawal for bill payment	Included
Sending an Interac e-Transfer⁴	$1.00/transfer	Free
Cheque, pre-authorized debit	Included
Branch transactions
Withdrawal, transfer, withdrawal for bill payment	$1.50/transaction
Bill payment service	$2.00/bill
Other services
Online statement	Free
Statement sent by mail or passbook⁵ (if applicable)	$2.50/month/account
List of transactions at ABMs	Free
Fees
Flat monthly fee for transactions included in the package	$14.25	$14.95
Discount on flat monthly fee⁹
Young people aged 0–17	N/A	$9.95 discount
Students aged 18–24¹⁰	N/A	$9.95 discount
Clients aged 60 or older	$5.00 discount
Minimum monthly account balance to have flat monthly fee waived	Flat monthly fee regardless of the account balance	$4,500
Other advantages
Cashback on the annual fees for a National Bank Mastercard^® credit card¹¹	No cashback	Cashback of up to $30.00

Virtuoso will be renamed The Total^®

THE TOTAL	Virtuoso Until January 21, 2018	The Total As of January 22, 2018
Number of monthly transactions included¹	Unlimited transactions
Transactions²
Client Card purchase	Included
Withdrawal, transfer³, withdrawal for bill payment	Included
Sending an Interac e-Transfer⁴	$1.00/transfer	Free
Cheque, pre-authorized debit	Included
Branch transactions
Withdrawal, transfer, withdrawal for bill payment	Included
Bill payment service	Included
Other services
Integrated line of credit¹²	Included
Online statement	Free
Statement sent by mail or passbook⁵ (if applicable)	Free	$2.50/month/account
List of transactions at ABMs	Free
100 personalized cheques	Free (shipping fees and taxes not included)
Use of the Interac network (ABM)	0.50 discount on withdrawals	Free
Use of the CIRRUS^® network (ABM)	$4,00	Free
Overdraft protection	Free
Bank drafts in CAD or foreign currency	Free
Purchase or sale of paper money in a foreign currency	Free
Automatic transfer carried out by National Bank at your request	Free
Fees
Flat monthly fee for transactions included in the package	$24.95	$25.95
Discount on flat monthly fee⁹
Young people aged 0–17	N/A	$9.95 discount
Students aged 18–24¹⁰	N/A	$9.95 discount
Clients aged 60 or older	$5.00 discount
Minimum monthly account balance to have flat monthly fee waived	$5,000	$6,000
Other advantages
Cashback on the annual fees for a National Bank Mastercard credit card¹¹	No cashback	Cashback of up to $150.00
Safety deposit box	$5.00 discount on the annual cost

Existing packages will be replaced

Removal of certain banking packages and offers

On January 22, 2018, some packages and offers will be removed from our range of solutions. Starting March 18, 2018, they will be replaced by one of our main packages.

The list below shows our existing packages and the packages that will replace each one. Existing packages will automatically be switched to the most similar main package.

12 packages that will be removed	4 main packages (new packages)
First Step CoolCash	The Minimalist^® (was Accessible)
ClickStudent Perspective Direct Access + UniFee^® i.d.	The Modest^® (was Direct Access)
UniFee +	The Connected^® (was AccessPlus)
NatPlus^®	The Total^® (was Virtuoso)

Want to see all our offers or choose another package?

Our comparison tool lets you compare all our packages and find the one that's best for you (please use Internet Explorer).

As of January 22, 2018, you may choose another package through our online services or by contacting your advisor. Use our branch locator to find one that’s near you.

Call 1-888-483-5628 at any time to talk to one of our Customer Service agents.

Amendments to the contract governing personal deposit and investment accounts

We have reworked our contract governing personal deposit and investment accounts to make it more clear and concise. We have also made some changes and introduced new elements in keeping with our new financial services approach.

The amended contract will come into effect on January 22, 2018. It replaces all previous versions of the General Information and Agreement Governing Investment, Transaction and Margin Accounts.

Please consult the documents below:

FAQ

Why did your fees change?

We regularly update our products and services. It's an opportunity to improve our offering and ensure it is aligned with our transition to e-channels. As part of this process, we may need to adjust our fees to maintain the quality of our products and services.

Will there be a fee for Interac^® e-Transfers?

Starting January 22, Interac e-Transfers will be included with all of our banking packages (see the list above or the Personal Banking Solutions document). The current fee is $1 per Interac e-Transfer, in addition to the standard fee per transaction. Fees may apply if you exceed the transaction limit for your package or if you do not have a package.

What happens on January 22, 2018?

The changes listed in our “Important Notices” section come into effect on January 22, 2018. This includes changes to our pricing (fees and packages) and the contract governing deposit accounts and personal investment accounts.

What happens on March 18, 2018?

On March 18, 2018, certain banking packages will be automatically replaced with one of our main packages. A notice was sent to clients affected by these changes. If you didn't receive a notice, visit a branch or talk to your advisor for more details. You can contact your advisor or make an appointment with them online.

Will there be changes to all packages?

Yes, all of our packages are changing. Use the interactive tool (please use the browser Internet Explorer) to see what's new.

How can I compare the old packages with the new ones?

Use the interactive tool (please use the browser Internet Explorer) to compare all of the packages.

What happens when my package is discontinued?

On March 18, 2018, your package will automatically be replaced with the one that is most similar to what you have now. Open the interactive tool (please use the browser Internet Explorer) and select your current package from the left-hand column to see your new package to the right. I'm not satisfied with the new package I've been offered.

I see that my banking package will automatically be replaced on March 18, 2018. How will this change impact the amount debited each month from my account?

You will be charged the fee for your old package until March 18. For March only, two entries for fees will appear on your statement. One will show the fees charged for the days the old package was in effect, and the other will show fees charged after your new package came into effect. From April, only the fee for your new package will appear on your statement (billed at the end of the month). See the bank accounts section for more information.

How do I change it?

Compare packages using the interactive tool (please use the browser Internet Explorer) to find the one that meets your needs. Starting January 22, you will be able to change your package online or by speaking with an advisor at a branch or over the phone.

When can I replace my package with one of the four main ones?

After January 22, 2018, you will be able to change your package through our online and mobile banking services, by visiting a branch or by calling Customer Service.

How can I change my package online?

Sign into our online or mobile banking services, select your account and click "Sign up or change your banking package" Find this option by following the steps below.

From the web:

Sign into your account
In the top menu, click “Online Applications"
In the first section “Bank accounts and Packages”, click “sign up or change your banking package”

From a mobile device:

Sign into your account
Click on the account linked to your package (in this case your chequing account)
Tap the arrow and scroll until you see a button that says "Change my banking package"
Click “Change my banking package”

Where can I find out more and sign up for one of the new packages?

View our current and future main packages in the Personal Banking Solutions document or the information above. You can sign up for any of our packages online or at a branch starting January 22, 2018. After this date, there will be more information available on our website and in our pricing guide. Until then, you can sign up for a similar package that will be replaced on January 22, 2018.

Reference material

Wave of fraudulent emails

Phishing emails are being sent to our clients. The emails ask recipients to click on a link to update their personal information. Play it safe. Do not click on the link or provide the information requested under any circumstances. National Bank will never use email to ask for your personal information, such as your social insurance number, password, etc.

Have you received a phishing email?

Learn more

If you received such a message and did not click on the link, we recommend that you delete the email.

If you are a Bank client who has received such an email and unfortunately provided the requested information, please call Customer Service as soon as possible at 1-888-483-5628 or 514-394-5555. A representative will assist you.

If you received such a message and are a client of another financial institution, please contact your institution’s customer service department.

At National Bank, we place the highest importance on safeguarding your personal information. To learn more about our policies and best practices for preventing fraud, please consult our ABCs of Security section.

Security

Fraudulent text messages

Phishing text messages are being sent to our clients. The text messages ask recipients to click on a link because the Bank has terminated their services. Play it safe. If you receive this message, do not click on the link or provide the information requested under any circumstances. National Bank will never use text message or email to ask for your personal information, such as social insurance number, etc.

Have you received a phishing text message?

If you have received this text message and did not click on the link, we recommend that you delete it.

If you are a Bank client who has received such a text message and provided the requested information, please call Customer Service as soon as possible at 1-888-483-5628 or 514-394-5555. A representative will assist you.

To learn more about our policies and best practices for preventing fraud, please consult the ABCs of Security section.

Wave of fraudulent emails

Have you received a phishing email?

Learn more

If you received such a message and did not click on the link, we recommend that you delete the email.

If you received such a message and are a client of another financial institution, please contact your institution’s customer service department.

Little details that matter

Legal Disclamers

TM NATIONAL BANK ALL-IN-ONE BANKING, UNIFEE, THE MINIMALIST, THE MODEST, THE CONNECTED and THE TOTAL are trademarks of National Bank of Canada.

^® À LA CARTE REWARDS PLAN, PREMIA, ECHO, ALLURE, EDITION, ESCAPADE, FIRST STEP, COOLCASH, CLICKSTUDENT, NATPLUS, VIRTUOSO and OVATION are registered trademarks of National Bank of Canada.

^® MASTERCARD, WORLD MASTERCARD, WORLD ELITE and CIRRUS are registered trademarks of Mastercard International Inc. National Bank of Canada is an authorized user.

^® INTERAC is a registered trademark of Interac Inc.

^® The registered trademarks of CAA and CAA Rewards are the property of the Canadian Automobile Association, which authorizes their use.

^® ULTRAMAR is a registered trademark of Valero Energy Inc. National Bank of Canada is an authorized user.

1. When transactions are indicated as being included, they are included as long as the maximum number of transactions included in the package has not been reached. Any transaction over the maximum as well as any transaction or service that is not indicated in the above table but for which our fee guide sets out fees will be charged based on the applicable pricing for your account or based on the general pricing set out in the “Breakdown of Service Charges” section.

2. Transactions completed without a teller, including transactions at an ABM or merchant, online and mobile transactions, etc.

3. The term “transfer” includes transfers between accounts, transfers between individuals and Interac e-Transfers.

4. Fees apply to the Interac e-Transfer itself (see note 3 above) if you exceed the number of transactions included in your package or if you do not have a package.

5. The passbook option is no longer available.

6. No fees upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts). To allow the client to continue benefiting from no-fee banking, the package is validated annually by presenting the above documents.

7. No fees upon presentation of proof of eligibility for the Guaranteed Income Supplement.

8. No fees upon presentation of proof of eligibility for an RDSP.

9. Discounts are applied upon presentation of supporting documents.

10. The discount is for full-time students, aged 18 to 24 inclusively, attending a post-secondary institution, upon presentation of identity documents (proof of age) and proof of full-time student status (proof of registration, course schedule or transcripts). Only for individual account holders. The package is validated annually by presenting the above documents.

11. The cashback on the annual fees for a National Bank Mastercard credit card can only be applied one time, at enrolment.

12. This line of credit is subject to credit approval by National Bank of Canada. This package does not waive interest charges.

13. The discount is only for clients who already hold an OVATION Gold credit card.

14. These products are only available to current cardholders. They are no longer offered to new clients.

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