Financial Package Nurses, Registered Practical Nurses and Students in these professions. We take care of you

Transcription

1 Financial Package Nurses, Registered Practical Nurses and Students in these professions We take care of you

2 02 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions Understand, Plan, Act As a nurse or a nursing student, you lead a busy life and time is often in short supply. That s why we re offering you a complete financial package suited to your needs: let us take care of your financial health! First, we ll take the time to understand your situation and diagnose your financial needs. Then, we ll take action in order for you to attain your financial objectives. When you understand what s happening, you can plan accordingly and find the right solutions. This document is provided by National Bank and its affiliates for information purposes only, and creates no legal or contractual obligation for National Bank and its affiliates. The details of this service offering and the conditions described herein are subject to change.

3 03 A financial package geared to your needs Our approach was designed to offer you personalized service. Nurses Registered Practical Nurses Registered member of a provincial professional order related to nursing Postsecondary nursing students Registered member of a provincial professional order related to practical nursing Postsecondary practical nursing students

4 04 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions Professionals and students: Quickly discover all the advantages of your financial package! This financial package is an advantage available to holders of the Platinum MasterCard, 1 related to the package. It is offered for only $125 2 per year. Regular annual interest rates on the card are currently 19.99% for purchases and 21.99% for balance transfers and cash advances. Professionals The financial package includes: Services of a dedicated advisor Up to two CDN$ or US$ bank accounts 3 with unlimited transactions for certain automated services National Bank Platinum MasterCard Plus, you can look forward to advantages on the following financing solutions: Personal Flex Line 1, 4 : A financing option at an advantageous rate with unlimited transactions for certain automated services National Bank All-In-One Banking 2, 4 An attractive mortgage loan 4 Take advantage of our business solutions: Up to two commercial accounts*: A current account and a savings account with reduced fees on select transactions Financing solutions 4 Requirements for enrolling in the financial package Be a Canadian citizen or a permanent resident of Canada Provide proof of your professional status l Check out the many other advantages on personal and business* solutions detailed in the following pages! Your spouse can enjoy the personal banking advantages of the package by signing up for the additional MasterCard included**. * To benefit from advantages on business solutions, you do not need to have the Platinum credit card related to the package. ** For financial packages, only the spouse of the primary cardholder is eligible for an additional card.

5 05 Students The financial package includes: Services of a dedicated advisor A CDN$ or US$ bank account 3 with no monthly service fees for the transactions included in the package while you are pursuing your studies, and unlimited transactions for certain automated services Student line of credit: A financing option at an advantageous rate 5 with unlimited transactions for certain automated services National Bank Platinum MasterCard, 1 with no annual fee for the first two years 6. Regular annual interest rates on the card are currently 19.99% for purchases and 21.99% for balance transfers and cash advances. Requirements for enrolling in the financial package Be a Canadian citizen or permanent resident of Canada and be a full-time student in Canada You will have to visit your branch once a year to update your student line of credit file. Two pieces of identification, proof of your status as a full-time student and your most recent transcript will be requested. l To sign up Make an appointment with a National Bank advisor. For a list of our branches, go to nbc.ca/find-us.

6 06 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions Bank accounts available to professionals Automated services included Client Card purchases via Interac 3, NYCE 4 and Maestro 5 networks Bank account in CDN$ Personal Flex Line As a professional, you can have up to two bank accounts in CDN$ or US$ and a line of credit. Your CDN$ account will also include unlimited transactions for certain automated services (see opposite). Transactions at National Bank banking machines 7 : withdrawals, transfers**, bill payments and withdrawals for bill payments Online, mobile and TelNat telephone transactions 8 : transfers**, transfers to another person, Interac e-transfers and bill payments Simplified Transfer* Service for sending Interac e-transfer Cheques and debits included $1.00 per transfer $1.00 per transfer Our Simplified Transfer service is the easy way to transfer your pre-authorized transactions and salary deposit from another financial institution to National Bank. It s convenient, efficient and free of charge. Ask your advisor about this service. Cheques and preauthorized debits Unlimited personalized cheques Cheque certification American Express 6 travellers cheques American Express 6 travellers cheques for two: fee of 0.5% of the total value Other services included Drafts or money orders Online or mailed account statement Overdraft protection Use of THE EXCHANGE 7 banking machine network Safety deposit box 9 : 50% off rental charges Loan insurance to cover your line of credit 10 balance Life insurance, disability insurance and critical illness insurance are available at any time For life insurance and critical illness insurance, you can insure any amount you choose, up to the authorized limit. For disability insurance, you can choose a payment amount, depending on your needs Not offered Not offered Available Available * Some conditions apply. To benefit from the Simplified Transfer service, a minimum of two pre-authorized transactions as well as your salary deposit must be transferred. If you have not signed up for a banking package or program at National Bank, regular fees will apply once your transactions are transferred. Please refer to the Guide to Personal Banking Solutions, which is available in branches. ** The term transfer means transfers between transaction accounts held by the same person. The term transfer to another person means transfers between two National Bank of Canada account holders.

7 07 Advantages offered to students Automated services included Bank account in CDN$ Student line of credit Bank account Client Card purchases via Interac 3, NYCE 4 and Maestro 5 networks As a student, you can have one bank account in CDN$ or US$. Your CDN$ account will also include unlimited transactions for certain automated services (see opposite). Student line of credit Finance your studies thanks to this line of credit designed specially for students! You ll be able to obtain cash advances quickly and at an advantageous rate 5. Your Student Line of Credit will also include unlimited transactions for certain automated services (see opposite). Transactions at National Bank banking machines 7 : withdrawals, transfers*, bill payments and withdrawals for bill payments Transactions at National Bank counter: withdrawals, transfers*, bill payments and withdrawals for bill payments Online, mobile and TelNat telephone transactions 8 : transfers*, transfers to another person**, Interac e-transfers and bill payments Service for sending Interac e-transfer Cheques and debits included $1.00 per transfer Not offered $1.00 per transfer You can review and increase your credit limit 4 each year according to your needs and level of studies. Your repayment period will be established according to your credit limit. For more information, please contact your advisor. Cheques and preauthorized debits 200 personalized cheques per year Other services included Online or mailed account statement Government loans (Quebec only) As a participant in the loans and bursaries program offered by the Quebec government, National Bank can help you quickly receive the financial assistance you need. You pay no interest while pursuing your studies, since the interest is covered by the Quebec government. You can start to repay your loan six months after completing your studies. Flexible payment terms are available once you ve completed your studies. l For more information, please visit afe.gouv.qc.ca. Passbook Overdraft protection Use of THE EXCHANGE 7 banking machine network Not offered Loan insurance to cover your student line of credit 10 balance Life insurance, disability insurance and critical illness insurance are available at any time For life insurance and critical illness insurance, you can insure any amount you choose, up to the authorized limit. For disability insurance, you can choose a payment amount, depending on your needs Not offered Not offered * The term transfer means transfers between transaction accounts held by the same person. ** The term transfer to another person means transfers between two National Bank of Canada account holders. Available Available

8 08 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions National Bank Platinum MasterCard Enjoy the flexibility of your Platinum card 1 and travel without restrictions and with complete peace of mind. Regular annual interest rates on the card are currently 19.99% for purchases and 21.99% for balance transfers and cash advances. A generous and flexible À la carte Rewards Plan Treat yourself! When you sign up for the Platinum MasterCard, you automatically earn points for each purchase charged to your card which you can then redeem for: A wide variety of merchandise and gift cards A donation to one of our partner organizations À la carte Extras Apply your points toward products offered by National Bank or one of its subsidiaries, including: banking packages RRSP and TFSA contributions payments on principal on your mortgage loan* or All-in-One 2 Travel discounts: $1 in purchases = 1.5 points 11,000 points = $100 in travel discounts See how much you can save with your Platinum MasterCard: Points redeemed Travel discount 11,000 points $100 50,000 points $500 If you redeem more than 50,000 points, each additional 10,000 points will entitle you to a further $100 discount. l Redeeming your points online is easy! Simply visit nbcrewards.ca and select the reward you want. Be sure to go back to the site from time to time and subscribe to the À la carte newsletter to keep up with all the news and promotions. * For more information or to find out about applicable restrictions and conditions, visit nbc.ca/rewards.

9 09 A comprehensive travel insurance program* Out-of-province medical and hospital insurance (maximum length of insured trips based on your age) Trip cancellation insurance of up to $2,500 Trip interruption insurance of up to $5,000 Flight delay insurance of up to $500 per person for any flight delay of more than 4 hours Baggage insurance of up to $1,000 per person in case of theft, break-in, loss or vandalism, and up to $500 per person should checked baggage arrive more than 6 hours late Vehicle rental insurance: collision, theft and damage waiver when you rent a vehicle for a period of 48 days or less Coverage of up to $2,000 during the vehicle rental period against theft or vandalism of your personal effects Travel with complete freedom and peace of mind Reserve with the airline and travel agency of your choice or via the Internet and redeem your accumulated points. Plus, take advantage of last-minute deals and seat sales. Other coverage Purchase protection MasterCard Zero Liability** l For more information about the Platinum MasterCard related to your package, call MY-CARD ( ) or visit nbc.ca/nurses. l Students Good news! The National Bank Platinum MasterCard is available with no annual fee for the first two years. After that, the regular annual fees in effect will apply 6. * This coverage applies to purchases and rentals made using the card, except out-of-province medical and hospital insurance for which it is not necessary to make the purchase using the card. Certain conditions and restrictions apply. Please refer to the documents available in our branches for more information. ** Certain conditions apply. Visit mastercard.ca for additional information.

10 10 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions Financing solutions at attractive rates for all your needs Professionals, find the approach that suits you and your projects. Personal Flex Line 1, 4 This line of credit is accessible at all times and gives you total freedom to decide how to use your funds. You can therefore take action quickly without having to reapply for credit when you want to get going on a new project. In addition to its advantageous rate, the Personal Flex Line includes unlimited transactions for certain automated services (see page 6). National Bank All-In-One Banking 2, 4 All-in-One Banking is an innovative home equity line of credit that offers you a convenient way to manage all of your finances, bank accounts and short-term liquidity needs. Offered at an attractive variable rate, this flexible solution with its multi-account concept lets you easily monitor each of your projects. Made-to-measure mortgage loan 4 You can divide your mortgage loan into any number of portions, each with its own rate, term, payment frequency and amortization period. Combine various types of mortgage financing to arrive at a solution that truly fits your needs! No matter what your needs, our financing solutions can help you meet them. Talk to your advisor to find out more.

11 11 Investment solutions Many types of investments are available depending on your financial objectives and investor profile. Discuss them with your advisor! Full service brokerage Offered to professionals by National Bank Financial 11 Our investment advisors provide personalized wealth management 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 risk tolerance. RRSP, RRIF, RESP, TFSA, SSP II Receive a 50% reduction on annual administrative fees nbfwm.ca National Bank Trust Offered to professionals by National Bank Trust 12 National Bank Trust offers estate-planning and settlement services for clients who have accumulated significant wealth that they want to transfer to the next generation in the most tax-efficient manner. National Bank Trust also handles the portfolio management activities for Private Investment Management. Complex financial planning mandates Receive a 20% discount on fees Asset management Receive a 10% discount on first-year fees Complete estate settlement mandate Receive a 10% discount on fees nbc.ca

12 12 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions Business solutions To help you move your business forward and capitalize on opportunities, you can take advantage of convenient solutions such as: Non-interest bearing current account, to carry out your day-to-day transactions easily Interest bearing current account, to put your excess cash to work for you Financing solutions 4 tailored to your needs Payroll and human resources management services, to reduce the time and costs related to management tasks Access to Internet Banking Solutions Business 8 nbc.ca/health

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14 14 FINANCIAL PACKAGE Nurses, Registered Practical Nurses and Students in these professions 1 Subject to credit approval by National Bank of Canada. Certain conditions apply. Grace period: No interest will be charged on purchases made during the month provided the client pays his balance in full within twenty-one (21) days of 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 account balance plus any overdue amount or $10, whichever is higher (or the account balance if it is lower than $10). If the credit limit is exceeded, the minimum payment required will be 3% of the account balance or the amount in excess of the credit limit, whichever is higher. Account statement: A statement is sent monthly. Examples of credit charges calculated for a period of thirty (30) days based on the rate in effect on October 1, 2014: AVERAGE BALANCE Annual interest rate $500 $3, % (regular rate for purchase) $8.22 $ % (regular rate for cash advances $9.04 $54.22 and balance transfers) 2 The $125 annual fee will be billed automatically and will appear on the monthly Platinum MasterCard account statement. The credit terms and conditions for the National Bank Platinum MasterCard are described in the information box and on the back of the application form available in branches. 3 Bank account with chequing privileges. 4 Financing subject to credit approval by National Bank. Certain conditions apply. 5 Subject to credit approval by National Bank. Certain conditions apply. A guarantor who meets the Bank s criteria may be required. The annual amount is based on your personal budgetary requirements. 6 Two years after the card is issued, the annual fee in effect at that time will be billed automatically and will appear on the account statement of the Platinum MasterCard. On July 1, 2014, the annual fee was $125. Offer not renewable. 7 User fees for the Interac 3 banking machine and point-of-sale network and the Cirrus banking machine network are also payable. No additional fees apply for use of THE EXCHANGE 7 banking machine network. 8 Certain browser versions are required to access National Bank s Internet Banking Solutions and Mobile Banking Solutions. For information, go to nbc.ca/browsers. 9 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. 10 Subject to the terms and conditions described on the insurance certificate. Certain exclusions and restrictions apply. Insurer: National Bank Life Insurance Company. 11 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). National Bank Financial is a member of the Canadian Investor Protection Fund. 12 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. MasterCard and Cirrus are registered trademarks of MasterCard International Inc. Authorized user: National Bank of Canada. 1 Personal Flex Line is a registered trademark of National Bank of Canada. 2 National Bank All-In-One Banking is a registered trademark of National Bank of Canada. 3 Registered trademark of Interac Inc. 4 Registered trademark of NYCE Corporation. 5 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. 6 Registered trademark of American Express Company US. AUT Copyright; American Express Canada, Inc SS-010-F. 7 Registered trademark of Fiserv Inc. For internal use: Please use F for applications.

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16 Simplifying your day-to-day banking transactions. Helping you carry out the projects that are important to you. Customizing solutions and advice for your short-term projects and retirement plans. Insuring you and your assets for your peace of mind. Making sure your estate is transferred to your loved ones. Helping decisionmakers grow their business. l Should you have any questions, do not hesitate to contact us TelNat (2014/10) nbc.ca/nurses National Bank of Canada. All rights reserved. Any reproduction, in whole or in part, is strictly prohibited without the prior written consent of National Bank of Canada.