Advantages

Professionals
HEC Montreal Graduates

Also offered:
Financial Package for HEC Montreal students

Chequing Account		Credit Card		Financing		Investment		For Your Business

Contenu du sous-menu "CHEQUING ACCOUNT"

Summary


Monthly fee	$7.95/month (no monthly fee if a balance of $2,500 is maintained)

Automated services included
Client Card purchases in Interac^®, NYCE^®1et Maestro^®2 networks

Transactions at National Bank banking machines¹: withdrawals, transfers, bill payments and withdrawals for bill payments

Online and mobile transactions²: transfers, transfers to another person and bill payments
Cheques and debits included
Cheques and preauthorized debits

200 personalized cheques per year

Cheque certification

American Express^®5 travellers cheques for one

American Express^®5 travellers cheques for two: fee of 0.5%
Other services included
Drafts or money orders

Online or mailed account statement

Overdraft protection

Use of THE EXCHANGE^®4 banking machine network

Safety deposit box³: 50% off yearly rental charges

( Included in the package)

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1	User fees for the Interac® banking machine and point-of-sale network and the CIRRUS^®3 banking machine network are also payable. No additional fees apply for use of THE EXCHANGE^®4 banking machine network.
2	Certain browser versions are required to access National Bank's Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.
3	Minimum 12-month rental in Canada. Some conditions apply, particularly concerning eligibility for safety deposit box rental. Details available in branches. Safety deposit box rental charges are indicated in the Guide to Personal Banking Solutions, which is available in branches.
®	Registered trademark of Interac Inc.
®1	NYCE is a registered trademark of NYCE Payments Network, LLC.
®2	Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at nbc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and then converted into Canadian dollars.
®3	Registered trademark of CIRRUS SYSTEM Inc.
®4	Registered trademark of Fiserv Inc.
®5	Registered trademark of American Express Company US. AUT Copyright; American Express Canada, Inc. 1992 SS-010-F.

Contenu du sous-menu "CREDIT CARD"

OVATION Gold^® MasterCard^®1^,1

The OVATION Gold MasterCard gives you discounts on banking fees, a well-designed rewards plan and exclusive insurance coverage.

Regular rate

19.5% / $90 per year
	²

Reduced rate¹

Additional card

$30

Rewards plan

Yes

Minimum credit limit


	Rewards program
	Generous rewards plan Each time you make a purchase with your Ovation Gold MasterCard, you earn points that can be redeemed for great rewards! Use your Ovation Gold card for every day purchases Earn 1.25 point for every dollar charged to your credit card Redeem your points at the online Boutique and discover a variety of rewards including many available exclusively on the website! How to earn points faster Use your credit card to pay for your everyday expenses such as groceries, gas, bills, etc.

	Insurance coverage
	Travel Insurance A discount of up to $200 on the regular rate of any Quebec Blue Cross travel insurance product Vehicule rental insurance Collision, theft and damage waiver when you rent a vehicle for a period of 31 days or less Coverage up to $2,000 during the vehicle rental period against theft or vandalism to your personal effects Purchase protection Purchase insurance that offers protection in case of theft or damage for 180 days following the date of purchase Extended warranty that triples the original warranty period, up to a maximum of two additional years Zero liability MasterCard Zero Liability³ protects you against unauthorized use of your card

	Other options and advantages
	Medical, general and legal assistance⁴: In case of a medical, administrative or legal problem, you can get help anywhere in the world, 24 hours a day, by calling a toll-free number You will be referred to a legal advisor in the event of an emergency, even if you are abroad If necessary, bail and legal fees can be paid by means of a cash advance from your credit card Insurance certificate Consult the insurance certificate 512 kB - 10 pages

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Financing subject to credit approval by National Bank of Canada.

Grace period: no interest will be charged on the purchases made during the month if the balance is paid in full within twenty-one (21) days of the date of the statement. This grace period does not apply to cash advances and balance transfers. Minimum payment: the minimum payment to be made to the Bank every period shall 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). Account statement: a statement of account is sent on a monthly basis.
Examples of interest charges for a 30-day period at the rate applicable on May 1 , 2012:

	Average balance
Annual interest rate	$500	$3,000
19.5%	$8.01	$48.08

Certain conditions apply. Visit mastercard.ca for additionnal information.

OVATION Gold is a registered trademark of National Bank of Canada.

®1

MasterCard is a registered trademark of MasterCard International Inc. Authorized user: National Bank of Canada.

Contenu du sous-menu "FINANCING"

Personal Flex Line^®

This line of credit¹ gives you access to financing and provides an easy way to manage your banking transactions.

Main advantages:

Credit limit based on your needs and borrowing capacity
Advantageous interest rate
Access to funds at all times²

Automated services included
Client Card purchases in Interac^®1, NYCE^®2et Maestro^®3 networks

Bill payments at National Bank banking machines³
Cheques and debits included
200 personalized cheques per year

Cheque certification

American Express^®6 travellers cheques for one

American Express^®6 travellers cheques for two: fee of 0.5%
Other services included
Two drafts or money orders per year

Online or mailed account statement

Overdraft protection

Use of THE EXCHANGE^®5 banking machine network

Safety deposit box⁴: 50% off yearly rental charges

For more information regarding the advantages of our financing solutions, please contact a financial advisor at the branch nearest you.

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1	Financing subject to credit approval by National Bank. Certain conditions apply.
2	Subject to banking charges for usage (per transaction or according to banking package). Please refer to our Fees, General Information and Agreement guide, which is available in branches.
3	User fees fo the Interac^®1 banking machine and point-of-sale network and the CIRRUS^®4 banking machine network are also payable. No additional fees apply for the use of THE EXCHANGE^®5 banking machine network.
4	Minimum 12-month rental in Canada. Some conditions apply, particularly concerning eligibility for safety deposit box rental. Details available in branches. Safety deposit box rental charges are indicated in the Guide to Personal Banking Solutions, which is available in branches.
®	Personal Flex Line is a registered trademark of National Bank of Canada.
®1	Registered trademark of Interac Inc.
®2	NYCE is a registered trademark of NYCE Payments Network, LLC.
®3	Maestro is a registered trademark of MasterCard International Inc. Currency exchange charges apply. For complete details about transactions in foreign currencies, please refer to the Agreement Governing the Use of Automated Services and Electronic Banking Solutions, available in branches or at nbc.ca. Transactions in foreign currencies other than U.S. dollars will first be converted into U.S. dollars and then converted into Canadian dollars.
®4	Registered trademark of CIRRUS SYSTEM Inc.
®5	Registered trademark of Fiserv Inc.
®6	Registered trademark of American Express Company US. AUT Copyright; American Express Canada, Inc. 1992 SS-010-F.

Contenu du sous-menu "INVESTMENT"

Investment Solutions

Investments Offered to professionals by National Bank
Conventional redeemable and non-redeemable fixed-rate GICs in CDN$¹ and US$² Progress RRSP³ Progress LIRA³ TFSA cash balance³ Receive a bonus of ¼% on the posted rate⁴ for all these products
Private Investment Management Offered to professionals by National Bank Trust⁵
Complex financial planning mandates Receive a 20% discount on fees Asset management Receive a 10% discount on first-year fees Complete estate settlement plans Receive a 10% discount on fees For more information, please visit nbc.ca/pim.
Direct Brokerage Offered to do-it-yourself investors by National Bank Direct Brokerage⁶
National Bank Direct Brokerage gives you powerful tools, competitive pricing and unbeatable customer service to help you monitor your investments and keep you informed of market developments. Credit balance in a brokerage account Receive a bonus of ½% Debit balance in a brokerage account Receive a discount of ½% RRSP/RRIF Receive a 50% reduction on annual management fees RESP No annual management fees For more information, please call 1-800-363-3511 or visit nbc.ca/nbdb.
Full Service Brokerage Offered to professionals by National Bank Financial⁷
Our investment advisors provide personalized services to guide you with your financial strategies, maximize your returns and reduce the risks associated with your investments, depending on your investor profile and on your risk tolerance. National Bank Financial can also provide advice on managing your family assets. RRSP, RRIF, RESP, TFSA, SSP II Receive a 50% discount on annual administration fees For more information, please call 1-800-361-8838 or visit info.nbf.ca.

For more information on the characteristics and advantages of our investment solutions, please make an appointment with one of our Financial advisor at the branch nearest you.

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1	Offer valid only for redeemable and non-redeemable fixed-rate guaranteed investment certificates (GICs) in Canadian dollars. The minimum investment required (in CDN$) is $500 for registered GICs, $5,000 for non-registered GICs with terms of 30 to 364 days and $1,000 for non-registered GICs with terms of 1 to 5 years. The interest rate is based on the principal amount invested and the length of the term. For further information, visit nbc.ca under ''Rates''. Simple or compound interest, at the client's option, paid annually. This offer may be withdrawn at any time without notice at National Bank's discretion.
2	Offer valid only for redeemable and non-redeemable fixed-rate guaranteed investment certificates (GICs) in U.S. dollars. Minimum investment of US $5,000. The interest rate is based on the principal amount invested and the length of the term. GIC redeemable with penalty. Simple interest only, which is payable at maturity for terms of 30 to 364 days and semi-annually for terms of 1 to 5 years. For further information, visit nbc.ca under ''Rates''. This offer may be withdrawn at any time without notice at National Bank's discretion.
3	Minimum contribution: $25.
4	The interest rate is based on the principal amount invested. For more details and to see the interest rates associated with each level of investment, consult nbc.ca under ''Rates''. This offer may be withdrawn at any time without notice at National Bank's discretion.
5	Private Investment Management is offered by National Bank Trust Inc. and Natcan Trust Company, two subsidiaries of National Bank of Canada using the business name of National Bank Trust. Eligibility for this service depends on certain administrative conditions.
6	National Bank Direct Brokerage Inc. is a subsidiary of National Bank of Canada. National Bank Direct Brokerage Inc. offers no advice and gives no investment recommendations. The client alone is responsible for the financial consequences of his/her investment decisions.
7	National Bank Financial is a wholly-owned indirect subsidiary of National Bank of Canada. National Bank of Canada is a public company listed on the Toronto Stock Exchange (NA: TSX).

Contenu du sous-menu "FOR YOUR BUSINESS"

Our specialized team can help you with your projects :

Start up or relaunch a business
Finance an activity¹
Acquire new office space
Plus many other benefits!

For more information, please contact your account manager at the branch nearest you, or call 1-866-353-9462. You can also visit nbc.ca/professionals.

Non-interest bearing current account
Carrying out your day-to-day transactions² is easy. Enrollment in Internet Banking Solutions - Business³ is free for the first three months. 15% off the fees for cheques and debits, withdrawals and deposits at the branch counter, credits, and automated and electronic transactions. Business Client Card free of charge the first year. After that period, an annual fee of $25 will apply. For more information, please call 1-877-394-6611 or 514-394-6611.
Interest bearing current account
Put your excesscash to work for you. Enrollement in Internet Banking Solutions - Business is free for the first three months. Interest paid at an advantageous rate on balances of over $15,000. 15% off the fees for cheques and debits, withdrawals and deposits at the branch counter, credits, and automated and electronic transactions. Business Client Card is free of charge the first year. After that period, an annual fee of $25 will apply. For more information, please call 1-877-394-6611 or 514-394-6611.
BusinessFlex Inc. line of credit
Capitalize on business opportunities and carry out your transactions. 15% off the annual fee⁴ Balance information available via our Electronic Banking Solutions Advances automatically repaid based on the funds available in your current account Interest calculated only on the portion of the line of credit used (transfers rounded to the nearest dollar) Loan insurance (life insurance) available at any time⁵
Term loan
Help your business grow over the medium and long term. 15% off the application fee⁶, up to $125 Variable amortization based on the life of the financed asset Fixed or variable interest rate Balance information available via our Electronic Banking Solutions Possibility of equal payments, depending on the repayment option selected Repayment of principal can be deferred (interest continues to accrue during this time) Loan insurance (life and disability) are available at any time⁵
Payroll and human resources management services
Reduce the time and costs related to management tasks. No start-up fees and no processing fees for the first month⁷: Telephone payroll Nethris Internet Suite^TM (basic or professional) The Nethris Internet Suite is fully integrated and modular, allowing you to choose the following options : Human resources management Time and attendance management Payroll processing Self-service portal For more information, please call 1-800-361-8688 ext. 0721 or visit nbc.ca/payroll.

1	Financing subject to credit approval by National Bank. Certain conditions apply.
2	Please refer to our Fee Guide - Banking Services for Businesses, which is available in branches.
3	Certain browser versions are required to access National Bank's Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers.
4	The annual fee for the BusinessFlex Inc. line of credit is $250 if the limit is between $10,000 and $100,000.
5	Subject to the terms and conditions described on the insurance certificate. Certain exclusions and restrictions apply. Insurer: National Bank Life Insurance Company.
6	The term loan application fee represents 0.5% of the requested amount.
7	This offer may not be combined with any other offer or promotion. For more information, please visit nbc.ca/payroll.
TM	Nethris is a trademark of CGI Group Inc. used under licence. These solutions and customer services are the property of CGI. National Bank acts solely as a distributor of CGI's solutions and services. TD EDS/Trans Alliance L.P. TD Registered trademark of Fiserv Inc.