Offer for Engineers and Engineering Graduates

Take advantage of these exclusive benefits for professionals in your field.

How does it work?

Sign up for a Mastercard credit card and access bank accounts and financing solutions with attractive terms and conditions.

Sign up for a World, World Elite or Platinum Mastercard credit card

Get three bank accounts with no monthly fee

Enjoy a line of credit and a mortgage with preferential terms and conditions

1. Choose your Mastercard credit card

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balance transfer and cash advance rate

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See credit terms

Tip

Your spouse can also benefit by signing up for an additional Mastercard credit card.⁸

2. Enjoy three bank accounts with no monthly fee

Get up to three bank accounts and pay no monthly fee—plus you get an unlimited number of transactions on most automated services.

Advantages

Get three bank accounts (individual or joint) in CAD or USD
Sending an Interac e-Transfer: free of charge
Carry out several types of transactions in an unlimited number
First order of 100 personalized cheques included
Protect your valuables with a 50% discount on a safety deposit box⁹
Ensure that you never get caught short with our overdraft protection
Access your accounts from anywhere in Canada with the THE EXCHANGE^® ABM network
Do your banking online using our website or mobile app

3. Enjoy attractive terms and conditions on your financing solutions

Personal Flex Line^®, 10

This line of credit is accessible any time. Power your ideas without having to apply for a new loan!

Exclusive rate

Prime rate + 0.25%

4.20%

current interest rate
No management fees

Discover the Personal Flex Line

National Bank All-In-One^®, 11

A home equity line of credit that groups together your bank accounts and your short-term cash and financing needs.

Exclusive rate

Prime rate + 0.25%

4.20%

current interest rate
Fee of $7 per month per account

Discover the National Bank All-in-One

Mortgage loan⁴

Split your mortgage into smaller portions—each with its own rate, term, payment frequency and amortization period.

4 - Grow your savings

Take advantage of great offers on the following investment products¹⁴:

Conventional redeemable and non-redeemable fixed-rate guaranteed investment certificates (GICs) in CDN$ and US$
Progress RRSPs
Progress LIRAs
Cash Advance Liquidity Solution

5 - Leverage the expertise of our Financial Planners to meet your needs at key milestones in your life.¹⁵

6 - Benefit from our exclusive commission fees at National Bank Direct Brokerage!

Take control of your investment by trading on our new brokerage platform, and benefit from the preferential pricing offered to you.

Advantages:

Stock commissions at $5.95 per trade¹⁶
Canadian and American Exchange Traded Funds at $0 commission¹⁷
No annual administration fee

Discover the direct brokerage offer

Providing support throughout your career

Businesses

Get financing⁴ for an office space, manage your employees more efficiently and benefit from commercial accounts with reduced fees. Our team of experts is here to help.

Discover our offers for businesses

Students

Earn savings while you study and manage your finances more easily with a Mastercard credit card², a bank account³ with no monthly fee and a personal line of credit.⁴

Discover our offers for students

National Bank is a proud partner of

Ordre des ingénieurs du Québec

Fondation et alumni de Polytechnique Montréal

Réseau ÉTS : Association des diplômés

Ontario society of professional engineers

Little details that matter

Eligibility criteria

Provide proof of professional status.¹²
Have a bank account and a credit card eligible for the offer.¹³

Legal disclaimers

PROMOTION

Terms and conditions

1. Credit card is issued subject to credit approval by National Bank of Canada. Terms and conditions apply.
Offer valid until February 29, 2020.
Over a 12-month period, get cashback for each (calendar) month you charge a minimum amount in net purchases to an eligible credit card account. The cashback will be credited to the account no later than the 15th of the following month.

$10 cashback per month
Get $10 cashback for each month you charge at least $200 in net purchases to your card (from the 1st to the last day of the month), with a maximum annual rebate of $120. The eligible cards are MC1, Allure^®, mycredit™, Syncro™, ECHO^®, Mastercard Business and Mastercard Business Line.

$40 cashback per month
Get $40 cashback for each month you charge at least $500 in net purchases to your card (from the 1st to the last day of the month), with a maximum annual rebate of $480. The eligible cards are Platinum, World^®, World Elite^® and Platinum Business.

Net purchases correspond to the amount in purchases charged to the account minus returns and refunds. Annual fees, balance transfers and cash advances are not included in the calculation.

The total amount of monthly net purchases is calculated from the first day of the month after the account has been opened. For example, an account that was opened on September 15 will have its net purchases calculated on October 1 and the first cashback will be made no later than November 15.

The account must be in good standing for the cashback to be awarded.
This promotion applies to all persons and businesses who do not hold and have never held a National Bank credit card in the past 24 months. It cannot be combined with any other offer or promotion related to new National Bank credit cards. National Bank employees and entities of its group are not eligible to this offer. Upgrades and additional cards are excluded from the offer. National Bank reserves the right to modify, extend, or withdraw this promotion at any time without notice.

^®ALLURE and ECHO are registered trademarks of National Bank of Canada.

™MYCREDIT and SYNCRO are trademarks of National Bank of Canada.

^®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.

® 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 Personal Flex Line, the All-In-One and THE TOTAL are registered trademarks of National Bank of Canada.

National Bank Direct Brokerage (NBDB) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada, the Canadian Investor Protection Fund, and is a subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA). NBDB provides order execution only services and makes no investment recommendations. Clients are solely responsible for the financial ant tax consequences of their investment decisions.

1. Subject to credit approval by National Bank. The discount is offered to holders of a National Bank Platinum, World Mastercard^® or World Elite^® Mastercard credit card. The $1,911 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: a banking package equivalent to The Total^®, 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 a personal line of credit with an annual balance of $25,000, and has a good credit rating.

Savings are calculated as follows: No monthly fee for transactions included in the The Total^TM package (annual savings of $311), plus an annual discount of 0.75% on the All-In-One line of credit rate (annual savings of $1,125), plus an annual discount of 2.50% on the rate of a personal line of credit (annual savings of $625), minus the annual fee for the World Elite^® Mastercard^® for a year. 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. Subject to credit approval by National Bank of Canada. Certain conditions apply.

3. A chequing account. Some services such as the passbook and paper statement by mail are not included.

4. Financing subject to credit approval by National Bank. Certain conditions apply.

5. Certain restrictions apply. Please consult the applicable rules governing reward points under Rewards plan.

6. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you reside outside of Quebec, your minimum payment represents 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. Account statement: A statement is sent monthly.

Examples of credit charges

Example of credit charges over a 30-day period:

Annual interest rate	Average balance
Annual interest rate	$500	$3,000
22.99%	$9.45	$56.69
20.99%	$8.63	$51.76
14.5%	$5.96	$35.75
8.9%	$3.66	$21.95

*Variable interest rate in effect on December 20, 2016.

7. Subject to credit approval by National Bank. Each balance transfer must be at least $250.

8. Only the spouse of the main cardholder of the Mastercard credit card included with the offer for professionals is eligible for an additional card. Regular annual fees apply for the additional card.

9. Minimum 12-month rental in Canada. Certain conditions apply. Details are available at our branches. For safety deposit box fees, see Your Guide to Personal Banking Solutions.

10. Subject to credit approval by National Bank. Upon receipt of each statement, the borrower must pay a minimum instalment to the 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 instalment must be made without using the line of credit.

11. Subject to credit approval by National Bank. Interest rate on the All-In-One (line of credit portion) as at October 25, 2018: ${p1.tauxBase|percent:"true"} + 1%
This rate is variable and corresponds to Prime + 1%, and is one of the lowest rates on the market. "Prime" means the annual variable interest rate posted by National Bank from time to time, used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out the day's rate.

12. This offer must be renewed annually on presentation of identification and proof of professional status.

13. National Bank reserves the right to cancel the savings and benefits offered as part of the banking offer at any time, without prior notice, if the client closes his eligible bank account or Mastercard credit card and replaces them with an ineligible account or Mastercard credit card.

14. For more details, contact an advisor.

15. 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.

16. The commissions shown are for trades carried out online. For more information about commissions and general fees, please refer to our brochure.

17. Trades must involve 100 or more ETF units and must be carried out using our electronic solutions. Clients must also sign up to receive all their documents electronically.

Ready to apply?

Apply online and an advisor will contact you shortly to set up an appointment.

Apply

1-888-835-6281

Offer for engineers and engineering graduates

Offer details

Exclusive benefits for

How does it work?

Sign up for a World, World Elite or Platinum Mastercard credit card

Get three bank accounts with no monthly fee

Enjoy a line of credit and a mortgage with preferential terms and conditions

1. Choose your Mastercard credit card

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${productPricing.TX_INT.productPricingValue|percent:"true"}

${productPricing.TX_TRF.productPricingValue|percent:"true"}

2. Enjoy three bank accounts with no monthly fee

3. Enjoy attractive terms and conditions on your financing solutions

4.20%

4.20%

4 - Grow your savings

5 - Leverage the expertise of our Financial Planners to meet your needs at key milestones in your life.¹⁵

6 - Benefit from our exclusive commission fees at National Bank Direct Brokerage!

Providing support throughout your career

Businesses

Students

National Bank is a proud partner of

Ordre des ingénieurs du Québec

Fondation et alumni de Polytechnique Montréal

Réseau ÉTS : Association des diplômés

Ontario society of professional engineers

Little details that matter

Ready to apply?

1-888-835-6281

Frequently Asked Questions

Offer for engineers and engineering graduates

Offer details

Exclusive benefits for

Enroll, receive, receive.

How does it work?

Sign up for a World, World Elite or Platinum Mastercard credit card

Get three bank accounts with no monthly fee

Enjoy a line of credit and a mortgage with preferential terms and conditions

1. Choose your Mastercard credit card

${nomProduit}

${productPricing.AF_CRD.productPricingValue|amount:"true"}

${productPricing.TX_INT.productPricingValue|percent:"true"}

${productPricing.TX_TRF.productPricingValue|percent:"true"}

2. Enjoy three bank accounts with no monthly fee

3. Enjoy attractive terms and conditions on your financing solutions

4.20%

4.20%

4 - Grow your savings

5 - Leverage the expertise of our Financial Planners to meet your needs at key milestones in your life.15

6 - Benefit from our exclusive commission fees at National Bank Direct Brokerage!

Providing support throughout your career

Businesses

Students

National Bank is a proud partner of

Ordre des ingénieurs du Québec

Fondation et alumni de Polytechnique Montréal

Réseau ÉTS : Association des diplômés

Ontario society of professional engineers

Little details that matter

Ready to apply?

1-888-835-6281

Frequently Asked Questions

5 - Leverage the expertise of our Financial Planners to meet your needs at key milestones in your life.¹⁵