®THE EXCHANGE is a registered trademark of Fiserv Inc.
®Mastercard, World Mastercard, World Elite and Platinum
Mastercard are registered trademarks, and the circles design is a
trademark of Mastercard International Incorporated. Authorized user:
National Bank.
®The Personal Flex Line, the All-In-One and THE TOTAL are
registered trademarks of National Bank of Canada.
®SECURIZONE is a registered trademark of National Bank of
Canada used by NBC Assistance Inc.
® Interac is a registered trademark of
Interac Inc. Used under licence.
®App Store and Google Play are respectively trademarks of
Apple Inc. and Google LLC.
1. Subject to credit approval by National Bank. The discount is
offered to holders of a National Bank Platinum, World
Mastercard® or World
Elite® Mastercard® credit card. The $1,538 in
annual savings is provided as an example only to illustrate what a
holder could save with the offer. It is based on the typical profile
of a client who has the following products: two bank accounts
equivalent to The Total® package, with the
individual Securizone product, a World Elite®
Mastercard® credit card, a National Bank
All-In-One® home equity line of credit with an annual
balance of $150,000, and has a good credit rating.
National Bank reserves the right to terminate, without notice, the
savings and other benefits on all products and services included in
the banking offer, if the client closes their eligible bank account.
In the event the client cancels their eligible credit card or replaces
it with a credit card that is not eligible for the offer, National
Bank will charge fixed monthly fees of $12.95 on the transaction
accounts to enable the client to maintain their savings and other
benefits in the banking offer.
2. Bank account with chequing privileges. Certain services, such as
the passbook and paper statement by mail, are not included. Included
services and fees for unrelated services are indicated in our Fee Guide.
3. Financing subject to credit approval by National Bank. Certain
conditions apply.
4. Financial planning services are offered through subsidiaries of
National Bank. Financial Planners provide their services on behalf of
National Bank Savings and Investments Inc., a wholly owned subsidiary
of National Bank of Canada.
5. Eligible credit cards: Platinum, World or World Elite National
Bank Mastercard credit card. Credit card is issued subject to credit
approval by National Bank of Canada. Certain conditions apply.
Savings are calculated as follows: No monthly fee for transactions
included in the The Total® package (annual savings of $694
for two active chequing accounts), plus an annual discount on the
individual Securizone product (annual savings of $19), plus an annual
discount of 0.65% on the All-In-One® line of credit rate
(annual savings of $975), plus no fee for the World Elite®
Mastercard® credit card for the first year (savings of
$150). These savings represent the difference between what a client
with the offer and a client without it would pay. Certain conditions
apply. Potential savings may not reflect the net savings that you will
receive; this amount will vary based on your financial situation.
6. Transactions carried out at our ABMs, a participating merchant,
through our online banking services (including our call centre) or
those related to certain operations in your account.
7. Transactions carried out at our branches during business hours.
8. Subject to credit approval by National Bank. Upon receipt of each
statement, the borrower must pay a minimum installment to National
Bank that corresponds to the sum of the interest and insurance
premiums charged to the account for the period covered by the
statement, and any other amount required to ensure the account's debit
balance does not exceed the credit limit. This minimum installment
must be made without using the line of credit.
9. This offer must be renewed annually on presentation of
identification and proof of professional status or claim status.
Monthly account statement. No management fees. The Personal Flex
Line® rate is established by the prime rate, plus a spread
established by the client’s credit history. As a guideline, the
applicable rate for a typical Personal Flex Line is comprised of the
prime rate + 4%. Once an amount is borrowed from the line of credit,
it accrues interest. The minimum monthly payment is limited to the
monthly interest and life insurance premiums (as applicable). Examples
of credit fees calculated over a 30-day period at the applicable rate
as of January 22, 2024.
