This table constitutes a hypothesis and is used to illustrate the benefits that could be derived from this product under identical conditions. This data does not in any way create a legal or contractual obligation for National Bank.

^TM MasterCard is a trademark of MasterCard International Inc. Authorized user: National Bank of Canada.
¹ APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage. As borrowing costs consist only of interest, the APR is the annual interest rate in effect as at April 2nd, 2013, based on a fixed-rate mortgage with a five-year term.
² Financing subject to credit approval by National Bank. Limited-time offer. Rates are subject to change. Financing must be for a residential dwelling with 1 to 4 units. These mortgage offers cannot be combined with any other offer, promotion or advantage at National Bank, except the free AccessPlus banking package for six months (for individuals who do not have banking packages at National Bank) and the MasterCard promotion with an introductory rate on balance transfers and cash advances (for individuals who do not have a National Bank MasterCard). Employees of National Bank, its subsidiaries and affiliates are not eligible for these offers. National Bank reserves the right to end the promotion at any time without notice. Complete details and conditions are available in branches.
³ Theses examples are based on a five-year term and a hypothetical rate of 5.14%. The reduced payments will result in savings on interest and a higher proportion of principal repaid.
⁴ This offer applies to persons who do not have a banking package at National Bank. Limited time offer. National Bank reserves the right to end the promotion at any time without notice. The monthly fee exemption on the package will apply when signing up for the AccessPlus package. Once the exemption period is over, current pricing will apply. Details are available in branches.
⁵ Subject to credit approval by National Bank. Offer valid until July 31, 2013. This offer applies to anyone who does not have a National Bank MasterCard. The promotional rate applies only to balance transfers and cash advances during the first six (6) monthly billing periods covered by the MasterCard statement (i.e., approximately six (6) months after the date the card is issued). After this period, all balance transfers and cash advances will be subject to the regular annual interest rate in effect for the chosen card. The promotional rate may be revoked if your account is not in order. Accordingly, please refer to the conditions governing the use of the National Bank of Canada MasterCard. No interest will be charged on purchases made during the month provided the client pays the balance in full within 21 days following the date of the statement. 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 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). A statement of account is sent on a monthly basis.
Examples of credit charges calculated for a 30-day period based on the rate in effect as at June 30, 2011:
⁶ APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage. As borrowing costs consist only of interest, the APR is the annual interest rate in effect as at May 17, 2013.
⁷ the 4 year Average rate and APR equivalent cannot be determined since the conditions following the renewal of the 1-year fixed rate portion are unknown. Please note that the average rate and APR could be more than 2.79% (average rate posted above for the first year)