Legal notes – Bank accounts

1 Transactions carried out via our Automated Services or Digital Banking Solutions.

2 Banking services usually provided in National Bank branches during normal business hours, including deposits, withdrawals, transfers, bill payments, foreign exchange transactions, purchases of drafts and safety deposit box uses.

3 Services offered by the Bank via our Internet Banking Solutions, Mobile Banking Solutions and TelNat Telephone Banking Solutions. These services provide access to accounts via a Client Card number issued by the Bank and a password chosen by the client, and make it possible to carry out different banking transactions such as account, line of credit and credit card balance inquiries, viewing a list of deposits and withdrawals, funds transfers, transfers to other persons with a National Bank account, access to documents cheque images and bills, bill payments and cheque orders. Certain features are not available with Mobile Banking Solutions. Only certain browser versions can be used to access National Bank Internet Banking Solutions. Consult nbc.ca/browsers.

4 Services that provide access to bank accounts using a National Bank Client Card at automated banking machines in the Bank’s network or affiliated networks, point-of-sale terminals, and other equipment and technologies made available to Bank clients. These services make it possible to carry out different banking transactions such as withdrawals, deposits, account, line of credit and credit card balance inquiries, viewing a list of deposits and withdrawals, funds transfers and bill payments. User fees for the Interac®3 banking machine and point-of-sale network and the Cirrus®4 banking machine network are also payable. No additional fees apply for use of THE EXCHANGE®5 banking machine network.

5 The fee for drafts in US$ is charged in US$.

6 Minimum 12-month rental in Canada. Certain conditions apply concerning eligibility for safety deposit box rental.

7 Subject to credit approval by National Bank of Canada. This package does not waive credit charges. For more information on the Virtuoso Line of Credit, click here. For the integrated line of credit

8 This program must be renewed annually upon presentation of ID (proof of age) and proof of full-time student status (notice of registration, schedule or transcript).

9 A transfer from another account of a minimum of $10 per month is required. Transfers can be made from more than one account. Fees of $1.00 will apply if the transfer cannot be carried out because of insufficient funds. Preauthorized debits or cheques are not authorized in this account.

10 No fees upon presentation of proof of eligibility for full-time students aged 18 to 24 receiving government student aid, seniors aged 65 and over receiving the Guaranteed Income Supplement, and beneficiaries aged 18 and over of a Registered Disability Savings Plan (RDSP).

11 As of May 4, 2015, passbook account handling is no longer available.

®1 Progress Account, Strategist Account, Virtuoso, First Step, CoolCash and ClickStudent are registered trademarks of National Bank of Canada.

®2 Registered trademark of Interac Inc.