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  • Retirement (RRSP, RRIF, LIRA) | National Bank
    Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News Room Press Releases National Bank Media Centre Biographical Notes Publications Social Networks Contests The Winner Online Services Personal Business Direct Brokerage NB Financial Natbank Group Retirement Plans Securities Custody Login Interest Rates and Returns Exchange Rates Prime rate Mortgages Personal Loans and Lines of credit Investments Fixed Rate GICs Investments Market linked GICs Retirement RRSP RRIF LIRA Mutual Funds Bank Accounts MasterCard Credit Cards Rates and Analysis Interest Rates and Returns Retirement RRSP RRIF LIRA Print Retirement RRSP RRIF LIRA Rate as of February 13 2016 4 00 PM Escalarater TermNote Plus Evoluterm Progress Fixed rate RRSP RRIF LIF RRSP loan and line of credit Markets linked GICs What is my investor profile Plan for my retirement CONTRIBUTE Escalarater RRSP only Minimum investment 500 Non redeemable Redeemable 3 years 5 years 3 years 5 years 1 st year 0 700 0 500 0 400 0 400 2 nd years 1 000 1 150 0 800 0 800 3 rd years 1 900 1 250 1 600 0 850 4 th years 1 550 1 000 5 th years 2 550 2 000 Average rate 1 199 1 398 0 933 1 009 top TermNote Plus RRSP only Minimum investment 1 000 Rate 61 months 1 450 84 months 1 850 top Evoluterm RRSP only 3 years Minimum investment 1 500 1 500 and 1 year 1 000 2 years 1 200 3 years 1 300 5 years Minimum investment 2 500 2 500 and 1 year 1 000 2 years 1 200 3 years 1 300 4 years 1 450 5 years 1 600 top

    Original URL path: https://info.commercial.bnc.ca/en/rates-and-analysis/interest-rates-and-returns/retirement-rrsp-rrif-lira.html (2016-02-14)
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  • Systematic Investment | National Bank
    business clients Opening a Business Account Business Current Account Packages for Businesses Financial Packages for Professionals Business Banking Management Electronic Solutions Payroll Solutions Telephone Banking Solutions Cash Management Night Depository Smart Business Client Card Human Resources Solutions Investing Investment Solutions Business investment account Short Term Investments Medium and Long Term Investments Fiera Capital Corporation National Bank Direct Brokerage Private Banking 1859 Group Retirement Plans Group RRSP Deferred Profit Sharing Plan DPSP Simplified Pension Plan SPP Individual Pension Plan IPP Voluntary retirement savings plan VRSP Defined Contribution Registered Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News Room Press Releases National Bank Media Centre Biographical Notes Publications Social Networks Contests The Winner Online Services Personal Business Direct Brokerage NB Financial Natbank Group Retirement Plans Securities Custody Login Investment Solutions Diversified Funds Strategic Portfolios Managed Portfolios Monthly Income Portfolios Regulatory documents Systematic Investment Through Automated Debit List of all Mutual Funds Personal Investing Investment Solutions Managed Solutions Mutual Funds Systematic Investment Through Automated Debit Print Systematic Investment Through Automated Debit For most people systematic investment makes a lot of sense it s much easier to invest a little every month than to find a big lump sum to invest once a year And with automated debit you don t have to lift a finger the money automatically goes into your investment account What s In It for You No front end back end or other administration fees Minimum contribution 25 Automatic debit from your bank account You choose the amount and frequency of your contributions Switch from one mutual fund to another within the same program without

    Original URL path: https://info.commercial.bnc.ca/en/personal/investing/investment-solutions/our-solutions/managed-solutions-mutual-funds/systematic-investment-through-automated-debit.html (2016-02-14)
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  • Account for ages 6 and under — First Step | National Bank
    Pension Plan SPP Individual Pension Plan IPP Voluntary retirement savings plan VRSP Defined Contribution Registered Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News Room Press Releases National Bank Media Centre Biographical Notes Publications Social Networks Contests The Winner Personal Banking Accounts and Packages Chequing Accounts and Packages Youth chequing account Account for ages 6 and under First Step Print Account for ages 6 and

    Original URL path: https://info.commercial.bnc.ca/en/personal/banking/accounts-and-packages/youth-chequing-account/first-step.html (2016-02-14)
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  • Loan insurance FAQ | National Bank
    stopped working or are unemployed you are not eligible for disability insurance Top 1 3 Am I eligible for critical illness and accidental dismemberment insurance To be eligible you must have enrolled in life insurance Top 1 4 What is the insured amount in the event of death In the event of death the insurer will pay the death benefit to the Bank based on the following rules Mortgage loan personal loan or personal loan with mortgage security the insured loan balance calculated on the date of death plus all accrued interest since the date of death All In One or line of credit if death is accidental or demand note the insured balance outstanding calculated on the date of death plus all accrued interest since the date of death All In One or line of credit if death is not accidental the lesser of the following amounts The insured loan balance on the date of death or o 110 of the average daily balance used over the past 12 months or since the effective date of insurance if less than 12 months The maximum amount that can be insured is 500 000 for insurance on a mortgage loan an All In One and a demand note It is 1 000 000 for a personal loan and a personal line of credit Top 1 5 What is the insured amount in the event of disability The benefits are prorated for each day of disability that is not part of a complete period covered by a payment Mortgage loan or personal loan with mortgage security the insured payment up to a maximum of 24 months of consecutive insured payments for the same disability without exceeding 48 months of insured payments for all the insureds for the term of the loan Personal loan the insured payment up to a maximum of 24 months of payments if the disability prevents you from carrying out your normal work duties or until the end of the loan term if the disability prevents you from carrying out any remunerated work All In One or line of credit if disability is accidental the lesser of the following amounts up to a maximum of 24 months of consecutive insured payments for the same disability without exceeding 48 months of insured payments for the term of the loan 2 of the loan balance or the insured amount chosen or the amount of the maximum benefit All In One or line of credit if disability is not accidental the lesser of the following amounts up to a maximum of 24 months of consecutive insured payments for the same disability without exceeding 48 months of insured payments for the term of the loan 2 of the loan balance or the insured amount chosen or 2 of 110 of the average daily balance used over the past 12 months or since the effective date of the insurance if less than 12 months or the amount of the maximum benefit The maximum insured

    Original URL path: https://info.commercial.bnc.ca/en/faq/personal-services/loan-insurance.html (2016-02-14)
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  • Personal Solutions - Pay Off Your Mortgage Sooner | National Bank
    Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News Room Press Releases National Bank Media Centre Biographical Notes Publications Social Networks Contests The Winner Online Services Personal Business Direct Brokerage NB Financial Natbank Group Retirement Plans Securities Custody Login Mortgage Solutions Pay Off That Mortgage Mortgage Prepayment Guide Personal Financing Mortgage Solutions Pay Off That Mortgage Print Pay Off That Mortgage You want to pay

    Original URL path: https://info.commercial.bnc.ca/en/personal/financing/mortgage-solutions/pay-off-that-mortgage.html (2016-02-14)
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  • Personal Solutions - Mortgage Options | National Bank
    Business Client Card Human Resources Solutions Investing Investment Solutions Business investment account Short Term Investments Medium and Long Term Investments Fiera Capital Corporation National Bank Direct Brokerage Private Banking 1859 Group Retirement Plans Group RRSP Deferred Profit Sharing Plan DPSP Simplified Pension Plan SPP Individual Pension Plan IPP Voluntary retirement savings plan VRSP Defined Contribution Registered Pension Plan RPP DC Trust Shareholders Agreement Financing Farm Transfer Estate Settlement Trustee Mandates Depository Mandates Securities Custody Securities Lending Financing Financing Solutions Short Term Financing Medium and Long Term Financing Loan Insurance Specialized Financing Health Care and Life Sciences Technology Group NPO Organizations Agri Business Financing Retail financing Credit Cards MasterCard Credit Cards for Businesses Promotions and News MasterCard Business Card Platinum MasterCard Business Card MasterCard Business Line MasterCard Corporate Card National Bank U S Dollar MasterCard Advice and Tools Powering your business Start your business My Business Model Business Financing Business development support Cash Flow Management Business Transfer Resources National Bank Business Central Solutions BusinessFlex Term Loan BusinessFlex Line of Credit International Foreign Exchange and Derivate Products Import Export Services Foreign Currency Accounts Export Financing Supply Chain Management Solution Funds Transfers Complementary Products and Services Agriculture services AgriInvest program Agricultural swap Producer Agricultural swap Buyer Fuel Swap About Us Our Organization The Bank Portrait of the Bank Network and Subsidiaries Complaint Settlement Accessibility Standards Suppliers Social Responsibility Our Social Commitment Diversity Youth Entrepreneurship Environment Arts and culture Employee Involvement Social Responsibility Report Request for Financial Support Governance Corporate Practices Corporate Governance Practices Board of Directors Board of Directors Independence Policy Committees of the Board Office of the President Patriot Act Certification Reporting Accounting Irregularities Codes and Commitments Investors Investor Relations Quarterly Results Annual Reports Proxy Circulars AIF Information for Shareholders Annual meeting Presentations and Events Contact Us Capital Debt Information News News

    Original URL path: https://info.commercial.bnc.ca/en/personal/financing/mortgage-solutions/mortgage-options.html (2016-02-14)
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  • The ABCs of Mortgage Financing | National Bank
    rate Mortgage Line of Credit Line of credit that is secured by a mortgage Mortgage discharge A mortgage discharge also known as a release or an acquittance in Quebec is the removal of a mortgage from the registry in which it was listed Once the mortgage has been discharged the lender loses any rights it had against the property under the mortgage The borrower must pay the legal fees for preparing and registering the mortgage as well as any administrative fees charged by the lender Refinancing Renegotiation of a loan to obtain an additional amount with new terms and conditions Renewal Agreement determining the terms and conditions of a new term duration of new term interest rate payment frequency etc upon the end of the term Top Commitment on Mortgage Securities A mortgage or charge depending on the province is granted by a borrower in favour of a lender to secure repayment of a loan If the borrower fails to pay back the debt the mortgage gives the lender the right to take possession or to sell the property The mortgage must be registered or published in Quebec against the property at the appropriate registry Each province has its own mortgage and registration rules There are two types of mortgages the collateral charge mortgage and conventional charge mortgage A recap of the differences between the two types of mortgages is outlined in the table below Learn more Recap of the Differences Between the Two Types of Mortgages Collateral Charges Mortgage 1 Conventional Charge Mortgage Registered mortgage amount May be higher than the financed amount 3 No credit terms are registered in the registry Generally matches the financed amount Some credit terms are registered in the registry Secured debt Possibility of additional funds Used to secure one or more existing or future debts No need to register a new mortgage to secure additional funds 2 No legal fees Traditionally used to secure a mortgage to purchase a property A new mortgage must generally be registered to secure additional funds Legal fees apply to discharge the initial mortgage and to create the new mortgage Possibility of transferring the mortgage subrogation in Quebec A new mortgage must generally be granted to another lender and the initial mortgage must be discharged or cancelled There are legal fees for discharging the initial mortgage and creating the new one Generally all debts secured by the initial mortgage must be repaid to the initial lender Generally possible if no additional funds are requested There are legal fees for completing the transfer It is not necessary to repay other debts prior to the transfer Discharging the mortgage Possible once all the debts secured by the mortgage are repaid in full At the borrower s request Possible once the mortgage loan is repaid in full Automatic or at the borrower s request depending on the lender and the province 1 This is the type of mortgage used by National Bank 2 Up to the registered mortgage amount 3 National

    Original URL path: https://info.commercial.bnc.ca/en/personal/financing/mortgage-solutions/the-abcs-of-mortgage-financing.html (2016-02-14)
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  • Personal - Buying a First Home: 7 Steps to Follow | National Bank
    insurance premium would be charged to you 1 The smaller the downpayment the higher premium rate Where can I find the money for my downpayment The downpayment could come from your cash savings investments a gift an inheritance or even your RRSPs Home Buyers Plan 2 HBP The HBP is a federal government program designed to make the purchase of a home more accessible to the average household If you have registered investments RRSP you could take advantage of the Home Buyers Plan and withdraw up to 25 000 from your RRSP to use as a downpayment Withdrawal is not taxable You must start repaying your RRSP in the second year following the withdrawal You have 15 years to repay what you withdrew Home Buyers Plan and the RRSP loan Don t have 25 000 in your RRSP but still want to make benefit from of the Home Buyers Plan Ask your advisor how an RRSP loan 3 could help you Did you know that it is now possible to make a down payment on a home using National Bank s Internet Banking Solutions and Mobile Banking Solutions Assyst Payment a Telus solution offered in cooperation with the Chambre des notaires du Québec enables you to deposit your down payment directly to your notary s in trust account using a Coupon for Funds Transfer that your notary will give you or send to you by e mail or fax Follow the steps below to make a down payment using our Internet Banking Solutions or Mobile Banking Solutions Open a session and select Add to add a bill In the list of suppliers look for Assyst Payment and add it as a supplier by using the unique reference number indicated on the Coupon for Funds Transfer you received from your notary Confirm the addition and select Bill payment Enter the amount of the down payment and confirm the payment Please allow three business days for the funds to be transferred to the notary s in trust account 3 Plan for additional costs You need to plan for certain additional expenses when buying a home Here are a few to consider Mortgage transaction fees Building inspection and appraisal fees Provincial taxes on the mortgage insurance premium for homes in Quebec and Ontario Federal and provincial sales taxes new home purchase Property taxes Municipal and school taxes Quebec real estate transfer tax welcome tax Adjustment for property taxes prepaid by the seller Other expenses Moving fees Home insurance Home improvement painting interior decorating etc Utilities electricity heating etc 4 Request a pre approved mortgage loan You will enhance your negotiating power and the credibility of your offer to purchase if before beginning your search you ask to be pre approved by a National Bank advisor either a branch representative or a mortgage development manager He can even give you a range of affordable home prices to make your house hunting easier 5 Find your home Why wait Start looking now What kind of

    Original URL path: https://info.commercial.bnc.ca/en/personal/financing/mortgage-solutions/buy-a-home/buying-a-first-home-7-steps-to-follow.html (2016-02-14)
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