The All-In-One Banking™ Difference1



All-In-One Banking2 is different from any other account you've heard about.

Simple

All-In-One Banking consolidates all your financing and transactional needs into one solution.

Value

Consolidate debt at one of the best rates on the market (applicable rate is Prime + 1/2%3 - with no management fee. Property appraisal and legal fees do apply). Check the current prime rate.

Deposit your savings and income directly into All-In-One Banking, instantly reducing your total debt. Your money starts working for you, saving you much more in interest costs than you would make in interest earnings. And monthly fees4 are waived for CMA members and their families.

Flexible

Set-up separate sub-accounts within your All-In-One account to track certain borrowings separately. For example, if you wanted to borrow for a home improvement project and track the expenses and interest on that project separately you could set up a unique account to do that. Your monthly statement would report those costs separately.

For added convenience, you can set up a sub-account with a pre-determined spending limit and a bank card for others (e.g. children away at university.)

Flexible repayment options allow you to pay only the minimum interest each month up to your entire balance owing, without penalty.

Substantial Credit Limit

You can borrow up to 80%2 of the value of your home for ultimate purchasing power. It recognizes that life changes, so when you need financing in the future it's already approved and available and no new applications are required to access funds up to your credit limit. Use it for major purchases such as a cottage, wedding, home renovation, a sabbatical or tuition for your child's education.

Comprehensive

If you currently have a mortgage, All-In-One Banking can be all or part of a customized mortgage financing solution. For example, you can combine a fixed rate mortgage and the flexibility of All-In-One Banking. This could provide you with better protection against interest rate fluctuations and creates a tailored solution that best meets your needs.

If making extra payments on your mortgage is important, All-In-One Banking is fully repayable at anytime - penalty free.

High Interest Chequing Account

Enjoy the convenience of easy access, withdrawals, bill payments, deposits and transfers. Access your account by cheque, ATM, telephone or Direct Payment4. Earn a high rate of interest on any sub account that has a credit balance5.

Discussing your financing needs with your MD advisor gives you the advantage of professional and objective advice on all aspects of wealth management.

For professional advice and a banking referral contact your MD advisor or call
1 800 267-2332 to be put in touch with a MD Management office near you.

Email or call (1-866-333-2580) the National Bank's Partnership Branch for additional product information.


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™Trademark of National Bank of Canada.

1Banking products are provided by National Bank of Canada's Partnership Bank through a relationship with MD Management Limited.

2Subject to credit approval by National Bank of Canada. Certain conditions apply.

3The prime rate is the annual variable interest rate posted from time to time by National Bank of Canada as a benchmark for setting interest on demand loans in Canadian dollars granted by National Bank of Canada.

4Subject to applicable fees. Please refer to Your Guide to Personal Banking Solutions. Interac™1 and CIRRUS® network fees do apply.

5Interest rate as of October 7, 2011 is 1.2% applicable to the portion of credit balance exceeding $5000. No interest is paid on the portion under $5000.

™1Trade Mark of Interac Inc. Authorized user: National Bank
® Trademark of CIRRUS System Inc.