® Mastercard, Platinum Mastercard, World Mastercard and
World Elite are registered trademarks, and the circles design is a
trademark of Mastercard International Incorporated. Authorized user:
National Bank.
® THE EXCHANGE is a registered trademark of Fiserv Inc.
® PERSONAL FLEX LINE, 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.
TM SECURIZONE 360 is a trademark of National Bank of Canada used
by NBC Assistance Inc.
® Interac is a registered trademark of Interac Inc.
Used under licence.
1. Subject to credit approval by National Bank. The discount is
offered to holders of a National Bank Platinum®, World
or World Elite® Mastercard credit card. The $1,688 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.
Savings are calculated as follows: No monthly fee for transactions
included in 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 0.75% on the All-In-One line of credit rate (annual
savings of $1,125), minus the annual fee for the World
Elite® Mastercard® for a 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.
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 - Personal Banking Solutions.
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 Investments Inc., a wholly owned subsidiary of National
Bank of Canada.
5. Eligible credit cards: National Bank Platinum, World or World
Elite Mastercard credit card. Credit card is issued subject to credit
approval by National Bank of Canada. Certain conditions apply.
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 for 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.
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. Discount is applicable to the standard rates of the Securizone or
Securizone 360 plans for as long as you benefit from an exclusive
offer. If you no longer benefit from an exclusive offer, you must
agree to pay the applicable regular rate in order to continue to
benefit from the plan. NBC Assistance Inc. reserves the right to
terminate or modify this offer at any time. Please consult the rates
and other applicable conditions on the Securizone page.
NBC Assistance Inc. and National Bank can terminate or change the
duration and preferred rate of SECURIZONE products for holders of
National Bank's exclusive offers at any time, with 30 days' notice
prior to the effective date of the amendment. This notice will contain
the new and amended clause, the old one (if applicable), and the
effective date of the amendment. If you do not agree to the changes,
you can cancel the program with no penalty by sending us a notice no
later than 30 days after the changes come into effect.
9. 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.
10. 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.
