Fee Guide for Personal Banking Solutions

Fee Guide

Effective April 22, 2024

Now more than ever, you’re looking for banking solutions designed to meet your needs

and expectations. At National Bank, we understand that. So we created this Fee Guide,

a simple reference tool that outlines a competitive fee structure for our products

and services, as well as a wealth of information to help you make the right choices.

Some of the terms used in this guide are defined in the glossary at the end.

Table of Contents

› Banking Packages ................................................................................. 02

› Banking Offers ......................................................................................... 04

› Deposit Account ..................................................................................... 06

› Line of Credit Account ......................................................................... 07

› National Bank All-In-One Banking

........................................... 09

› Breakdown of Service Charges ...................................................... 10

› Interac e-Transfer

................................................................................ 10

› Automated Banking Machine ......................................................... 10

› Draft .............................................................................................................. 10

› Cheque ........................................................................................................ 11

› Wire Transfer ............................................................................................. 13

› Purchase or Sale of Foreign Currency Banknotes ................ 13

› Specific Funds Transfer ....................................................................... 14

› Other Fees ................................................................................................. 14

› Online Banking Services ..................................................................... 16

› Account Handling .................................................................................. 17

› Customer Satisfaction ........................................................................ 17

› Glossary ...................................................................................................... 18

Fee Guide for Personal Banking Solutions 02

Banking Packages

Choose the banking package that best meets your needs. Estimating the number of banking transactions you carry

out each month will help you find the package that’s right for you.

The Minimalist

®, 1

The Modest

The Connected

The Total

Monthly fees $3.95 $10.95 $15.95 $28.95

Transactions included

12 transactions

(including

2 branch

transactions)

30 transactions

Unlimited

transactions

Unlimited

transactions

(including branch

transactions)

At the branch

› Withdrawal, transfer,

withdrawal for bill payment

2 transactions

included

$1.50/

transaction

$1.50/

transaction

Included

› Bill payment service

at the branch

$2.00/bill $2.00/bill $2.00/bill Included

Electronic

› Withdrawal, transfer,

withdrawal for bill payment

Included Included Included Included

› Debit purchase Included Included Included Included

› Cheque, pre-authorized debit Included Included Included Included

Minimum daily balance to have

flat monthly fees waived

n/a $3,000 $4,500 $6,000

Sending an Interac e-Transfer

®, 6

Free Free Free Free

Statement fees

› Online statement Free Free Free Free

› Paper statement Free

$2.50/month/

account

$2.50/month/

account

Free

› Passbook

$2.50/month/

account

$2.50/month/

account

$2.50/month/

account

$2.50/month/

account

› List of transactions via ABM Free Free Free Free

1 The Minimalist package is oered with no flat monthly fee for seniors aged  and over upon presentation of eligibility for the Guaranteed Income Supplement and for

beneciaries (aged  and over) of a Registered Disability Savings Plan (RDSP) upon presentation of proof of eligibility for an RDSP.

2 When transactions are indicated as being included, they are included as long as the maximum number of transactions included in the package has not been reached. Any

transaction over the maximum as well as any transaction or service that is not indicated in the table but for which our fee guide sets out fees will be charged based on the

applicable pricing for your account or based on the general pricing set out in the “Breakdown of Service Charges” section.

3 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.

4 Includes transfers between accounts, transfers to another person, international transfers and Interac e-Transfers (in those last two situations, through our online banking

services only).

5 Each bill payed at an ABM or through our online banking services counts as a transaction.

6 Fees apply to the Interac e-Transfer itself (see note  above) if you exceed the number of transactions included in your package or oer.

Fee Guide for Personal Banking Solutions 03

The Minimalist

®, 1

The Modest

The Connected

The Total

Discount on monthly fees

0–17 years old ($3.95) ($10.95) ($15.95) ($10.95)

18–24 years old ($3.95) ($10.95) ($15.95) ($15.95)

60 years and older n/a ($5.00) ($5.00) ($5.00)

For the holder of a Platinum

Mastercard

, World Mastercard

or World Elite

credit card

n/a n/a ($5.00) ($10.00)

Other advantages

Cashback on the annual fees

for a National Bank Mastercard

credit card, at enrolment

n/a n/a

Up to

$30.00

Up to

$150.00

The Total – other advantages included

With The Total package, you enjoy these benefits:

› Use of the Interac

and Cirrus

networks

› Overdraft protection

› Bank draft

› Purchase or sale of paper money

(in a foreign currency)

› Stop payment

› 100 personalized cheques

(excluding shipping fees and taxes)

› Integrated credit line

› Automatic transfer carried out by the bank

at a specific date at your request

Banking Packages (cont.)

1 The Minimalist package is oered with no flat monthly fee for Seniors aged  and over upon presentation of eligibility for the Guaranteed Income Supplement and for

beneciaries (aged  and over) of a Registered Disability Savings Plan (RDSP) upon presentation of proof of eligibility for an RDSP.

2 We reserve the right to terminate, without notice, the discount applicable to your banking package if you do not hold eligible products. You must also keep your credit card

account in good standing by adhering to the terms set out in the Credit Card Agreement. This discount cannot be combined with a Banking Oer. In the event you close your

eligible credit card account, or don’t keep your eligible banking package or credit card account in good standing, we will charge you for the total amount of the applicable xed

monthly fees without the discount. The applicable monthly fees can be found on page  of this Fee Guide.

3 The cashback on the annual fees for a National Bank Mastercard credit card can only be applied one time, at enrolment.

4 When transactions are indicated as being included, they are included as long as the maximum number of transactions included in the package has not been reached. Any

transaction over the maximum as well as any transaction or service that is not indicated in the table but for which our fee guide sets out fees will be charged based on the

applicable pricing for your account or based on the general pricing set out in the “Breakdown of Service Charges” section.

5 This line of credit is subject to credit approval by the bank. This package does not waive interest charges on the line of credit.

Fee Guide for Personal Banking Solutions 04

Banking Offers

Find the solution that’s right for you.

Offer for newcomers

Monthly fees before the discount (conditions apply)

› Years 1 to 3 $0/month

› Year 4 and following $15.95/month

Applicable conditions to open a zero-monthly-fee account

› Be in Canada

› Year 1 : zero monthly fees

› Years 2 and 3: zero monthly fees on the condition you:

— sign up for online statements;

— apply for and activate an eligible National Bank Mastercard personal credit card; and

— set up salary deposits or make at least two electronic bill payments per month.

Monthly fees without the discount

› Year 1 $0/month

› Year 2 $7.98/month

› Year 3 $11.96/month

› Year 4 and following $15.95/month

Transactions included Unlimited electronic transactions

Branch transactions

› Year 1 Free

› Year 2 and following $1.50/transaction

Bill payment service at the branch $2.00/bill

Other services

Online statement Free

Paper statement

› Year 1 Free

› Year 2 and following $2.50/month/account

Personalized cheques

› First order of 100 personalized cheques (excluding shipping fees and taxes) Included

1 To benet from this oer, the newcomer must sign up no later than  months aer arriving in Canada.

Fee Guide for Personal Banking Solutions 05

Offer for professionals and students

Professionals Students

Eligibility requirements

› Practice an eligible profession or have

an employer eligible for the offer

› Have a transactional bank account

and a National Bank personal credit

card eligible for the offer

› Be a full-time student in Canada

› Be in a study program eligible

for the offer

Advantages

› Bank accounts with an unlimited

number of several types

of transactions

› A bank account with an unlimited

number of several types

of transactions

› Unlimited access to

assistance services

› Unlimited access to

assistance services

› Attractive interest rates on the

Personal Flex Line

and the

National Bank All-In-One Banking

› A student line of credit with

an attractive interest rate

Eligible professions, employment

sectors

Eligible fields of study

Banking Offers (cont.)

1 nbc.ca/professionals

2 nbc.ca/students

Fee Guide for Personal Banking Solutions 06

Deposit Account

Chequing

Account

Progress Account

in US$

High Interest

Savings Account*

We offer a number of

deposit account options

to meet your needs.

For everyday banking

Combine the advantages

of a Savings Account and

a Chequing Account.

To help you save more,

interest on the High

Interest Savings Account

is calculated as of the

first dollar deposited.

Currency CA$ US$ CA$

Payment of interest credit

No Yes Yes

Determination of interest credit n/a

Progressive rate

based on account

balance tiers. Interest

is paid monthly.

Interest calculated on

the daily closing balance

and paid monthly.

Eligible for a banking

package or offer

Yes Yes No

Transaction fees

At the branch

› Withdrawal,* transfer* $1.50 Free $5.00

› Withdrawal for bill

payment*

$1.50 Free $5.00

› Bill payment service $2.00/bill $2.00/bill $2.00/bill

Electronic

› Debit purchase $1.25 $1.25 $5.00

› Transfer between

accounts*

$1.25 $1.25

$5.00

Free for transfers between

accounts through our

online banking services

› Withdrawal,* transfer

to another person,*

international transfer*

and Interac e-Transfer*

$1.25 $1.25 $5.00

› Sending an Interac

e-Transfer

$1.25 $1.25 $1.25

› Cheque,* pre-authorized

debit*

$1.25 $1.25 $5.00

* The High Interest Savings Account allows one free transaction per month among the transactions listed with an asterisk.

1 https://www.nbc.ca/rates/bank-account-rates.html

Fee Guide for Personal Banking Solutions 07

Chequing

Account

Progress Account

in US$

High Interest

Savings Account

Other services

Online statement Free Free Free

Paper statement, passbook $2.50/month/account $2.50/month/account $2.50/month/account

Automatic transfer carried out

by the bank at a specific date

at your request

$1.50 $1.50 $1.50

Additional information

› The Progress Account in US$ is not accessible through through ABMs, terminals at participating merchants

or our online banking services (except in the last case, to view your transactions).

› The High Interest Savings Account does not offer the option to write cheques.

Line of Credit Account

Lines of credit are subject to credit approval by the bank. The interest rates payable on advances and if the credit limit

is exceeded are stated in the credit agreement you enter into when setting up the line of credit.

The RRSP Line of Credit enables you to finance your RRSP contributions year-round by making it easy for you to include

your retirement savings goals in your budget.

Personal Flex Line

($5,000 and over) and

Student Line of Credit

RRSP Line of Credit

($5,000 and over)

National Bank

All‑In‑One Banking

Eligible for a banking

package or offer

Yes Yes

Fixed monthly transaction

fees for each account

related to the All-In-One:

$7.00/month/account

Transaction fees

At the branch

› Withdrawal Free n/a $1.50

› Transfer between

accounts

Free

Free $1.50

› Bill payment Free n/a $1.50

› Bill payment service $2.00/bill n/a $2.00/bill

1 These transfers will be charged if the number of transactions allowed under the oer or package is exceeded: . per transfer at one of our branches and . per transfer

using an ABM or online banking services.

Note: Transactions involving paper items (cheques) or paper money shall not be processed.

Deposit Account (cont.)

Fee Guide for Personal Banking Solutions 08

Personal Flex Line

($5,000 and over) and

Student Line of Credit

RRSP Line of Credit

($5,000 and over)

National Bank

All‑In‑One Banking

Electronic

› Debit purchase $1.25 n/a Included

› Withdrawal, transfer

to another person,

international transfer,

Interac e-Transfer

$1.25 n/a Included

› Transfer between

accounts

Free

Free to invest in an RRSP

at National Bank or one

of its subsidiaries

Included

› Sending an Interac

e-Transfer

$1.25 n/a Included

› Cheque $1.25 n/a Included

› Pre-authorized debit $1.25

$1.25

Free to invest in an RRSP

at National Bank or one

of its subsidiaries

Included

Other services

Management fee $1.00/month $1.00/month Included

Automatic transfer carried out

by the bank at a specific date

at your request

$1.50 n/a Included

Tip!

By using your Personal Flex Line or Student Line of Credit as your day-to-day deposit account, you’ll save

on interest charges for advances. Plus, you can limit your service charges by opting for one of our flat-fee

banking packages.

Line of Credit Account (cont.)

1 These transfers will be charged if the number of transactions allowed under the oer or package is exceeded: . per transfer at one of our branches and . per transfer

using an ABM or online banking services.

Note: Transactions involving paper items (cheques) or paper money shall not be processed.

Fee Guide for Personal Banking Solutions 09

National Bank All-In-One Banking

The All-In-One Banking home equity line of credit, which includes an authorized credit limit, allows you to

access financing and carry out banking transactions. Thanks to its competitive financing rate, you can reduce

your expenses and benefit from lower fees on most of your transactions. All-In-One Banking is subject to

credit approval by the bank. The interest rate payable on advances is stated in the credit agreement you

enter into when setting up the line of credit.

Interest rates applicable on credit balances

› Progressive rate based on account balance tiers. Interest is calculated at the end of

each day on the applicable portion of the daily closing balance and is paid monthly.

The interest rate in effect is displayed in branches, on nbc.ca › Personal › Mortgage ›

See current rates, “Home equity line of credit” section, and can be obtained by contacting us.

› No compensation is made between creditor and debtor accounts.

Structure

› All-In-One Banking is a line of credit linked to one or more accounts so you can

separate your needs (e.g., home financing, renovation project).

Flat monthly transaction fee for each account related to the All-In-One

› Main account $7.00/month

› Additional accounts $7.00/month/account

The flat monthly fee includes these transactions:

› Debit card purchase

› Cheque, pre-authorized debit

› Withdrawal, transfer between accounts, transfer to another person, international

transfer, Interac e-Transfer and withdrawal for one bill payment via ABM and our

online banking services

› Sending an Interac e-Transfer

› Receiving an Interac e-Transfer

› Automatic transfer carried out by the bank at a specific date at your request

› List of transactions via ABM

Service charges (Branch transactions)

› Withdrawal, transfer and withdrawal for bill payment $1.50

› Bill payment service $2.00/bill

Fee Guide for Personal Banking Solutions 10

Breakdown of Service Charges

Please note that some fees are subject to the federal goods and services tax (GST) and, if applicable, any other

provincial tax.

Interac e-Transfer

Receiving an Interac e-Transfer Free

Sending an Interac e-Transfer (free with a banking package or offer) $1.25

Cancelling an Interac e-Transfer $3.50

Automated Banking Machine

Fees for transactions carried out through an ABM network other than National Bank’s

(excluding Mastercard cash advances).

ABM network transaction fee

› Interac

› Cirrus

› THE EXCHANGE

$2.00/transaction

$5.00/transaction

Free

List of ABM transactions (free with a banking package, certain banking offers

or All-In-One Banking)

› Fee per transaction

› Flat fee

$0.75

$1.00/month

Draft

1, 2

Draft in CA$

Draft in CA$ CA $9.00

Draft in US$

$5,000.00 or less US $9.00

$5,000.01 or more US $12.50

Draft in foreign currency

$5,000.00 or less CA $9.00

$5,000.01 or more CA $12.50

1 Unless otherwise indicated, no transaction fees are added for the use of any of the services included in this section.

2 Subject to National Bank requirements and standards. Branch withdrawal fees and correspondent fees may be added.

Fee Guide for Personal Banking Solutions 11

Refund or issuing of a duplicate of a draft

$99.99 or less

› In CA$

› In US$

› In another foreign currency

CA $10.00

US $10.00

CA $10.00

$100.00 or more

› In CA$

› In US$

› In another foreign currency

CA $10.00

US $16.00

CA $25.00

Cheque

Cheques or pre-authorized debit

CA$ or US$ (depending on

the account currency)

Manual processing fee per unencoded or unqualified cheque or item $5.00

Processing fee per cheque, item or payment instruction drawn on the account

and returned or rejected due to insufficient funds

$45.00

Pre-authorized debit from an account without chequing privileges $6.50

Item received by mail for deposit in an account $5.25

Cheque in foreign currency cashed or deposited

CA$ or US$ (depending on

the account currency)

US$ item into US$

(no fee if the client has a US$ account)

US $7.00

US$ item into CA$ CA $7.00

Foreign currency other than US$

› $1,000.00 or less

› $1,000.01 or more

$11.00

$13.00

Cheque in US$ or any other currency drawn on a CA$ account $20.00

1 Unless otherwise indicated, no transaction fees are added for the use of any of the services included in this section. The costs incurred by the correspondent are not included.

2 Subject to National Bank requirements and standards. Branch withdrawal fees and correspondent fees may be added.

3 Deposits in foreign currency are not accepted for the Personal Flex Line, Student Line of Credit or RRSP Line of Credit.

4 Certain conditions apply.

Draft

1, 2

(cont.)

Fee Guide for Personal Banking Solutions 12

Miscellaneous fees

Ordering cheques

The cost depends on the model selected and number of cheques ordered.

Repurchase of American Express

Travelers Cheques purchased

at National Bank of Canada

Free

Stop payment

With complete information $16.00

With partial information $30.00

Series of cheques or pre-authorized debit $30.00

Item subject to special collection procedures in Canada

Item in CA$ sent to collection

› $5,000.00 or less

› $5,000.01 to $20,000.00

$7.50

$15.00

› $20,000.01 or more 0.10% of the item amount

Incidental fees (mail, courier, etc.)

may apply.

› Dishonoured item $5.00

Item subject to special collection procedures outside Canada

CA$ or US$ depending on

the account currency

Express collection service

› Item in US$ sent to collection drawn on an institution in the United States

› Dishonoured item

$50.00

$100.00

Item (all currencies) sent to collection

› Item sent to collection drawn on a foreign financial institution:

— $20,000.00 or less

— $20,000.01 to $100,000.00

$50.00

0.25% of the item amount

— $100,000.01 or more $250.00

(banking and incidental

fees may apply)

› Dishonoured item

› Information requested from or by a correspondent

$50.00

$20.00/transmission

1 Only available for accounts with chequing privileges.

2 Fees charged by the nancial institution where the item was issued not included.

3 Fees incurred by the correspondent not included. This service is not available in all countries, and the list may vary without notice.

4 The item must meet certain criteria.

Cheque (c ont.)

Fee Guide for Personal Banking Solutions 13

Wire Transfer

Incoming wire transfer from Canada or abroad

CA$ or US$ depending on

the account currency

Unlimited accounts and users

$100.00 or less $5.00

$100.01 to $100,000.00 $20.00

$100,000.01 to $1,000,000.00 $20.00

$1,000,000.01 or more $25.00

Outgoing wire transfer to Canada or abroad

1, 2

CA$ or US$ depending on

the account currency

Branch services 0.34% of the amount

(min. $20.00 to max. $70.00)

(wire charges not included)

› Wire charges

— For Canada and the US

— For all other countries

— Tracing fee

$15.00

$20.00

Online international transfers

(plus account withdrawal transaction fees, if applicable)

$5.95

Purchase or Sale of Foreign Currency Banknotes

Client with a deposit account

US$ Free

Other currency $3.00/transaction

Individuals without a deposit account

US$ $3.00/transaction

Other currency $5.00/transaction

1 Certain bank correspondents may deduct additional fees from the payment amount.

2 In US if the transfer is in US.

3 The service charges for wire transfers are calculated based on the amount of the wire transfer and then converted into the currency of the account (US or CA).

4 Additional research fees for certain correspondent banking may apply.

5 Deposits in foreign currency are not accepted for the Personal Flex Line, Student Line of Credit, RRSP Line of Credit, Home Improvement Line of Credit or Superior Flex

LineProgram.

6 This fee also applies to the purchase of banknotes through online banking services. Canada Post delivery fees are not included.

Fee Guide for Personal Banking Solutions 14

Specific Funds Transfer

Overdraft protection

› Via funds transfer from another deposit account, from a margin account

or from a National Bank Mastercard

$5.00/day

Funds transfer request by mail or by telephone $6.50

Funds transfer for insufficient funds

› Via funds transfer from another account

$5.00

Funds transfer at the request of another financial institution when closing an account

(including estate account)

$16.00

Other Fees

Dormant account

First notice after 1 year $20.00

Second notice after 2 years $30.00

No notice after 3 and 4 years $40.00

Third notice after 5 years $40.00

No notice after 6 and 7 years $50.00

No notice after 8 years $60.00

Fourth notice after 9 years and beyond $60.00

Bank confirmation

Per confirmation $18.00

After 30 minutes $36.00/hour

Banking fees confirmation $12.00

Balance inquiry or transaction confirmation by phone with a representative $5.00

Overdraft

Transaction that leads to or increases overdraft

› For a cheque, pre-authorized debit, payment instruction, debit card purchase

or ABM withdrawal with insufficient funds (plus interest)

$5.00/transaction

1 These fees will be refunded if you request it within days of the billing date. If the account balance is equal to or less than the fee, we will take the balance and close your account.

2 No overdra fees will apply for the Personal Flex Line, Student Line of Credit, RRSP Line of Credit, integrated line of credit or any other authorized account overdra. Note that

for new applicants, authorized overdra has been replaced by the integrated line of credit. As of July , , no overdra fees will apply for the All-In-One line of credit.

Fee Guide for Personal Banking Solutions 15

Fees for administrative or legal proceedings

Administration fees applicable to each payment, information request or disclosure

resulting from administrative or legal proceedings instituted by a third party under

applicable legislation (e.g., seizure, bankruptcy, support payments requirement

for information)

$10.00

Tracing and reproducing documents

Issuing a letter at your request

$10.00/letter,

plus tracing fee

Request for images of a cleared item through our call centre or at a branch

(regardless of the transaction date)

$5.00/item

Access to images of a cleared cheque through our online banking services Free

Tracing or reproducing a document (other than cleared items in your account

and statements of account)

› Within 90 days of the transaction date

› 90 days or more after the transaction date

$5.00/document

$10.00/document

$20.00 min.

Copy of a previously issued statement of account $5.00

Additional copy of a line of credit account statement $3.25

List of recent transactions prior to the issuing of the monthly account statement $5.00

Fees for a safety deposit box

This service is no longer offered. It remains active for current holders only.

Annual fee

› 1 ⁄ in. x 5 in. x 24 in.

› 2 ½ in. x 5 in. x 24 in. and 3 ¼ in. x 5 in. x 24 in.

› 2 ½ in. x ⁄ in. x 24 in. and 5 in. x 5 in. x 24 in.

› 5 in. x 10 ⁄ in. x 24 in.

› 5 in. x 15 in. x 24 in.

› 10 in. x 10 ⁄ in. x 24 in.

$60.00

$90.00

$120.00

$220.00

$240.00

$300.00

Annual fee for a safety deposit box of another size

› First 180 cu. in.

› Additional inches

$0.24/cu. in.

$0.115/cu. in.

New key

If both keys are lost, fees will apply for the forced opening of the safety deposit box.

$15.00

1 Fees charged to you even if the request is from a third party.

2 Taxes not included. The annual fee covers the period from January  to December  and is charged in January. A . discount on the annual fee is oered to holders of

TheTotal package.

Other Fees (cont.)

Fee Guide for Personal Banking Solutions 16

Online Banking Services

For secure transactions, whenever you do your banking. Our online banking services are constantly evolving.

Visit our website at nbc.ca to learn more about the latest features.

Online

Services offered

› Banking transactions: bill payment (withdrawal for

one bill payment), transfer between accounts, transfer

to another person, international transfer, Interac

e-Transfer, cheque order, stop payment, etc.

› Transaction history: balance inquiry for bank accounts,

credit cards, loans and investments, list of banking

transactions and bill payments

› Online statement

› Personal information update

› Debit card limit management

› Access to images of cleared cheques in your account

› Access to a void cheque

› Investments (National Bank Investments): mutual fund

purchase or sale, transfer between funds, Systematic

Investment Plan for National Bank Mutual Funds

Mobile

Services offered

› Banking transactions: bill payment (withdrawal

for one bill payment), transfer between accounts,

transfer to another person and Interac e-Transfer

› Transaction history: balance inquiry for bank accounts,

credit cards, loans and list of banking transactions

and bill payments

› Debit card limit management

Call centre

Services offered

› Account balance

› Funds transfer

› Bill payment

› Transaction list

Registered plans

These charges apply to National Bank of Canada, Natcan Trust Company and National Bank Trust Inc.

plans available through our branch network.

Transfer to another financial institution

A transfer may apply to one or more certificates maturing on the same date.

› Guaranteed investment certificate

› Progress or variable-rate account

› Tax-free savings account (TFSA)

$86.97 + taxes/transfer

Partial or total withdrawal

A withdrawal may apply to one or more certificates.

These charges also apply to the Lifelong Learning Plan (LLP) and the Home Buyers’ Plan (HBP) if the

loan is advanced by another financial institution. For Registered Retirement Income Funds (RRIFs)

and Life Income Funds (LIFs), these charges apply to total withdrawals only.

› Guaranteed investment certificate

› Progress or variable-rate account

$86.97 + taxes/withdrawal

Other Fees (cont.)

1 Fees may apply.

Fee Guide for Personal Banking Solutions 17

Account Handling

You can choose between an online statement or a statement by mail. Since May 4, 2015, passbooks are no longer

offered. If you were issued a passbook before this date, you have the option of keeping it to periodically update

your account entries.

The statement of account will consolidate all the information on any investment, RRSP, transaction and line of credit

accounts for which you are the primary holder (except the Progress Account in US$ and the tax-free savings account).

If you are a joint holder of a line of credit account, you will receive a separate statement of account addressed

to all borrowers. You can also receive the statement of account and any cost of borrowing disclosure documents

on an individual basis. To take advantage of the separate disclosure option, please schedule a meeting with

a branch advisor or get in touch with our call centre at 514‑394‑5555 (Montreal area) or 1‑888‑835‑6281.

Online statement of account

The contents of the online statement are the same as the statement by mail. If you choose to switch from statements

by mail to the online statement, all eligible statements will be converted and will be available online.

If you have chosen to receive separate statements for your joint line of credit account, all co-borrowers must subscribe

to the online statement to receive the online statement free of charge.

Customer Satisfaction

Complaint settlement

For more information on our complaint settlement process, visit nbc.ca. Go to the “About Us” section at the bottom

of the page and select “Complaint settlement” or call 1‑888‑835‑6281.

Information about the Bank Account Comparison Tool

The Financial Consumer Agency of Canada (FCAC) has a bank account comparison tool to help consumers compare

bank accounts.

For more information, go to the “Bank Account Comparison Tool” section at fcac-acfc.gc.ca.

Notice of changes to fees listed in this Fee Guide

You will be informed of any fee changes:

› At least 30 days before the effective date, by mail or electronically, if you have opted for this mode of

communication.

› At least 60 days prior to the effective date, by means of a notice displayed at our branches, points of service,

automated banking machines and on our website at nbc.ca or by means of a new notice or a new Fee Guide

made available in branches or on our website at nbc.ca.

Interest rates

Interest rates are posted in branches and on our website nbc.ca and are subject to change without notice.

Fee Guide for Personal Banking Solutions 18

- (/)

TM NATIONAL BANK ALLINONE BANKING and PROGRESS ACCOUNT are trademarks of National Bank of Canada.

® AMERICAN EXPRESS is a registered trademark of American Express Company US. AUT Copyright; American Express Canada Inc.  SS--E.

® INTERAC and INTERAC e-TRANSFER are registered trademarks of Interac Corp. Used under licence.

® MASTERCARD, WORLD MASTERCARD, WORLD ELITE, PLATINUM MASTERCARD, MAESTRO and CIRRUS are registered trademarks of Mastercard International Inc.

NationalBankofCanadaisanauthorized user.

® NYCE is a registered trademark of NYCE Corporation.

® THE EXCHANGE is a registered trademark of Fiserv Inc.

® THE MINIMALIST, THE MODEST, THE TOTAL and THE CONNECTED are registered trademarks of National Bank of Canada.

Should you have any

questions, do not hesitate

to contact us.

514-394-5555 (Montreal area)

1-888-835-6281 (toll-free)

nbc.ca

Less paper, same information.

Our documents are evolving to make

your daily life easier and reduce our

paper consumption.

Glossary

Access to cheque images: Access to cleared cheque

images through our online banking services that offer

this feature.

Bill payment service: Service for handling a bill when

paid at the branch.

Branch transactions: Transactions carried out at our

branches during normal business hours.

Debit: Withdrawal made from your account at either

a National Bank counter, an ABM or a terminal at a

participating merchant or through our online

banking services.

Debit card purchase: Payment made using the bank

debit card for the purchase of goods or services from

a participating retailer by making a withdrawal directly

from your account.

Int erac, Cirrus and THE EXCHANGE networks: Your

debit card gives you access to the Interac, Cirrus and

THE EXCHANGE automated banking machine networks,

enabling you to carry out various transactions in

Canada and abroad, as applicable.

Int erac, NYCE

and Maestro

networks: Your debit

card gives you access to the Interac, NYCE and

Maestro point-of-sale terminal networks, enabling

you to carry out various direct payment transactions

with participating merchants located in Canada

and abroad, as applicable.

Online banking services: Banking services we offer that

are accessible via a technological device.

Pre-authorized debit: Pre-authorized withdrawal by

a participating merchant to whom you have granted

permission to regularly or periodically withdraw

an amount from your account. Pre-authorized debit

enables the automatic payment of bills or other types

of payments such as mortgage payments, insurance

premiums, bill payments for public services

and contributions.

Prime rate: Annual variable interest rate posted from

time to time by the bank as a benchmark for setting

the interest rate on demand loans in Canadian dollars

granted by the bank in Canada.

Transactions: Transactions carried out at our ABMs,

a participating merchant or through our online banking

services (including our call centre) or those related

to certain operations in your account.

Transfer between accounts: Transfer of funds you make

between your deposit accounts held at the bank.

Transfer to another person: Transfer of funds you make

from your deposit account at the bank to another

person’s deposit account held at the bank.