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TERMS OF USE


IMPORTANT NOTICE TO USERS OF NATIONAL BANK OF CANADA'S WEBSITE

For the purposes hereof, ”We,” “Us,” and “Our” means National Bank of Canada,
its subsidiaries and affiliates. When the complete name “National Bank of
Canada” is used in any paragraph of these Terms of Use, only this specific
entity is contemplated.

When using our website (the "Website" or the “Site”), you accept these Terms of
Use, which are subject to change without notice. Furthermore, you agree to
consult these Terms of Use from time to time and acknowledge that your
continuing use of the Website means that you have accepted any changes that may
have been made.




GOVERNING LEGISLATION

The Website will be governed by, and construed in accordance with, the laws of
Canada and the applicable laws of the Province of Québec, with the exclusion of
its principles of conflicts of laws. Any litigation, dispute or claim arising
from or related to the use of the Website shall be subject to the jurisdiction
of the courts of Québec and you hereby accept to submit to the exclusive
jurisdiction of the courts of Québec in this respect.


RESPONSIBILITY OF THE USER

As a user of the Site, you agree to use it responsibly and with discretion. You
agree to follow both the applicable laws in force and our security standards,
which are described under ABCs of Security.


ACCESSING AND USING THE WEBSITE

We cannot guarantee that the Site will be accessible at all times, without
interruption, or that it will be free from errors. We shall not be held
responsible for any damages that may result from the inaccessibility of the
Website or from any difficulties that you may experience while accessing or
using the Website, including: an interruption of service; a network failure; the
malfunction of any computer hardware or software; or any faulty, incomplete,
incomprehensible or deleted transmission, whether or not such difficulties have
been brought to our attention.

We reserve the right to suspend at any time, without warning, full or partial
access to: the Website; www.m.bnc.ca and each of our pages accessible through
certain social media sites. We additionally reserve the right to discontinue
uploading information to such sites, in which case we shall not be held
responsible for any damages that you may incur.


CONTENTS

The contents of the Website are provided for informational purposes only, unless
otherwise stated. This content does not constitute an offer to purchase or sell
our products or services, nor does it constitute solicitation on our part or on
the part of our authorized third parties. All of our products and services that
may be of interest to Canadian residents are not necessarily offered in each
province of Canada. They are generally available in regions where they may be
legally offered for sale. Furthermore, eligibility for our products and services
is subject to the terms and conditions established for each of them.

The contents of the Website must not be interpreted, considered or used as if
they were financial, legal, tax, or other professional advice. We shall not be
held responsible for any damages that you may incur as a result of relying on
such content.

The information contained on the Website is the property of National Bank of
Canada and may not be reproduced, in whole or in part, unless for your personal,
non-commercial use. In all other cases, you must obtain the written consent of
National Bank of Canada prior to reproducing any contents of the Site.


ONLINE TRANSACTION SERVICES

You may carry out transactions with us on the Website through our Internet
Banking Solutions for several of our financial products and services. These
services are governed by specific agreements and rules that describe your access
and use. You should familiarize yourself with them at your earliest convenience.
If you have accessed our financial products and services through our Internet
Banking Solutions, these Terms of Use apply concurrently to the specific
agreements and rules that govern those products and services. In the event that
these Terms of Use are incompatible with the applicable specific and agreements
and rules, the latter shall prevail.


INTERNET BANKING SOLUTIONS

When you carry out transactions with us through our Internet Banking Solutions,
you alone are responsible for ensuring that all user codes, access card numbers,
passwords, and personal identification questions used on the Site are protected.
We shall not be held responsible for any damages that you may incur as a result
of the unauthorized or illegal use of the user code(s), access card number(s),
password(s), or personal identification question(s), or your failure to ensure
the secure and confidential nature of the transactions.

When using our Mobile Banking Solutions, it is possible that you may not have
access to the entirety of the features, functions, content or information
related to our products and services, and that they may not be accessible
outside of Canada. Any fees charged by your service provider for the use of our
Mobile Banking Solutions are your sole responsibility. We can collect, using
cookies and other information-gathering technologies, information on your online
activity to evaluate the effectiveness of our online promotions and to collect
data on the functioning of the Site in order to: enhance our understanding of
your needs and interests; offer you a personalized online experience; and
provide you with information on our products and services that may be of
interest to you. We may make software available for you to download that allows
you to use our Mobile Banking Solutions. We reserve at all times our
intellectual property rights in this software. You may not copy such software in
whole or in part, or make it accessible to third parties. Please consult the
Agreement Governing the Use of Automated Services and Electronic Banking
Solutions and the ABCs of Security for more information.


CONFIDENTIALITY AND SECURITY

We comply with the applicable law governing the protection of personal
information. In addition, we use the latest encryption techniques to guarantee
the confidentiality of the information exchanged with you through Internet
Banking Solutions and Mobile Banking Solutions. We cannot, however, protect
information exchanged when the Website is accessed through a non-secure platform
or in a public location, which could endanger the confidentiality of your
personal information. We shall not be held responsible for any damages that you
may incur under such circumstances. Please consult the ABCs of Security for more
information on this topic.

E-mail communications are neither secure nor confidential. They can be lost or
intercepted, in much the same way as communications by other means (for example,
by post). We shall not be held responsible for any damages that you may incur
from any exchange of e-mail or electronic messages, whether originating from you
or from us.

You alone are responsible for ensuring the protection and safekeeping of your
data and computer platforms and devices.


ACCURACY AND CHANGES OF INFORMATION ON THE WEBSITE

We consider the data and information contained on the Site to be reliable when
posted. Despite our best efforts, however, we cannot guarantee that the
information is exact or complete, free from errors or omissions, or that it is
up to date at all times. For example, financial information (exchange rates,
interest rates and other information subject to fluctuation) is considered
reliable when it is posted on the Website, but this does not guarantee that it
will be reliable at the time that you consult the Website. We are in no way
required to update this data or information.

The data and information available on the Site may be changed, moved or deleted
without notice.


TRADEMARKS

Certain names, words, titles, phrases, graphics, logos, icons or designs used on
the Website may be trademarks belonging to us or used by authorized third
parties. Certain trademarks are registered in Canada and/or other countries.
However, use of these trademarks on the Website does not necessarily mean that a
licence of any kind has been granted. The ® and TM symbols designate registered
trademarks and other trademarks respectively.


PRECAUTIONS TO BE TAKEN BEFORE DOWNLOADING AND INSTALLING SOFTWARE

If you choose to access a software program through one of the links offered on
the Site, you are responsible for taking the necessary precautions to detect and
destroy possible viruses and for ensuring that the software is compatible with
your computer. You should also ensure that you have up-to-date backup copies of
the entire contents of your hard drive before installing software downloaded
from the Website.

We shall not be held responsible for any damages or losses that could result,
directly or indirectly, in whole or in part, from downloading any internet page
or software, or from sending any information when using the Site.


HYPERLINKS

The fact that the Website offers links to other websites does not mean that we
endorse or approve the content of these sites or the products, services or
publications that may appear thereon. The content available through these
hyperlinks is not subject to our policies. Therefore, we shall not be held
responsible for any damages that you may incur when you are redirected to
another website by way of a hyperlink.


SOCIAL MEDIA SITES

National Bank of Canada pages are accessible through the following social media
websites: Facebook, Twitter, YouTube and LinkedIn. Before consulting or using
the pages of National Bank of Canada on these social media websites, you must
read and comply with their respective terms of use, which can be found at
www.nbc.ca/socialnetworks.


LIMITATION OF LIABILITY

In general and without limiting the specific cases of limitation of liability
mentioned above, and notwithstanding any provisions to the contrary, we shall
not be held responsible for any damages that may result from or relate to the
Site and/or its contents. In particular, and without limiting the generality of
the foregoing, we shall not be held responsible for issues of access, use,
accuracy of contents, or the loss of data or information, whether or not we have
been informed of the possibility of such issues.


NATIONAL BANK OF CANADA SHORT CODE TERMS AND CONDITIONS

Last updated: April 24, 2020

Short Codes used by National Bank of Canada and its subsidiaries (“National Bank
of Canada”) :

 * Alert short code – 262258 (BNCALT)
 * Promotion and information short code – 262622 (BNCNBC)

A Short Code is either 5 or 6 digits long and displays as the sender or the
receiver of a text message to a mobile device. Short codes are owned and
administered by the Canadian Wireless Telecommunications Association.

 1. These are the National Bank of Canada terms and conditions for services
    related to the National Bank of Canada Short Codes. Please read these terms
    and conditions carefully. These terms and conditions may have changed since
    your last visit. Always check the “Last updated” date above.
 2. The National Bank of Canada may send you text messages through the National
    Bank Short Codes for various purposes including:
     * promotion and information;
     * account and personal alerts;
     * emergencies and events.

    Text messages will be sent according to the extent of the consent that you
    provide to the National Bank of Canada. For example, you may provide your
    consent by:

     * Sending a text message from your mobile device to a National Bank of
       Canada designated number;
     * Managing your text message preferences through a National Bank of Canada
       designated webpage;
     * Making a verbal request to a National Bank of Canada representative;
     * Making a written request through a National Bank of Canada designated
       document.

    For information about each type of text message that you may receive,
    including instructions on how to opt in, opt out, manage preference or
    obtain assistance, consult the description of each type of message below:

    
    

    Promotion and information

    Text messages related to promotion and information are sent from the
    promotion and information short code [262622] and may concern:

     * promotional messages about offers and rewards on selected products and
       services from the National Bank of Canada;
     * informational messages about topics related to the National Bank of
       Canada, its fields of activity and/or its products and services;
     * alerts referring to publications containing promotional or informational
       messages, such as a newsletter, from the National Bank of Canada.

    To stop receiving these text messages, text STOP.

    To receive assistance, text HELP or INFO.

    To sign up or to continue receiving messages after previously opting out,
    text an approved keyword to the promotion and information short code
    [262622]. Please note that depending on the promotional or informational
    campaign, you may be able to sign up by texting a keyword specified by the
    National Bank of Canada.

    Message frequency and nature varies based on account activity and the
    preferences you set. To manage these text messages, text HELP or INFO.

    
    

    Account and personal alerts

    Text messages related to account and personal alerts content are sent from
    the alert short code [262258] and may concern:

     * an authentication process related to the verification of your identity;
     * a confirmation related to the use of your selected National Bank of
       Canada products and services;
     * a detection of an event related to your selected National Bank of Canada
       products and services;
     * a personalized message based on your profile and/or activity.

    To stop receiving these text messages, text STOP.

    To receive assistance, text HELP or INFO..

    To sign up or to continue receiving messages after previously opting out,
    text ALERTSto the alert short code [262258].

    Message frequency and nature varies based on account activity and the
    preferences you set. To manage these text messages, text HELP or INFO.

    
    

    Emergencies and events

    Text messages related to emergencies and events are sent from the
    emergencies and events short code and may concern

     * emergencies at your local branch;
     * events hosted at your local branch.

    To stop receiving these text messages, text STOP.

    To receive assistance, text HELP or INFO.

    To sign up or to continue receiving messages after previously opting out,
    text an approved keyword to the alert short code.

    Message frequency and nature varies based on account activity and the
    preferences you set. To manage these text messages, please text HELP or INFO
    to short code.

 3. The National Bank of Canada does not charge for the sending or receipt of
    text messages, but standard messaging and data fees may be charged by your
    carrier. For further details concerning what your carrier may charge, please
    consult your plan. Your carrier and the National Bank of Canada are not
    liable for delayed or undelivered text messages.
 4. The National Bank of Canada can deliver messages to the following mobile
    phone carriers:
     * United States Carriers:
       
       AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, Alltel (Verizon
       Wireless), U.S. Cellular, Cellular One, MetroPCS, ACS/Alaska, Bluegrass
       Cellular, Cellular One of East Central Illinois, Centennial Wireless, Cox
       Communications, EKN/Appalachian Wireless, GCI, Illinois Valley Cellular,
       Immix/Keystone Wireless, Inland Cellular, Nex-Tech Wireless, Rural
       Cellular Corporation, Thumb Cellular, United Wireless, West Central
       (WCC), Cellcom, C Spire Wireless CellSouth, Cricket, Cincinnati Bell and
       Virgin Mobile®. Additional carriers may be added.
       
       T-Mobile is not liable for delayed or undelivered messages.
    
     * Canada Carriers:
       
       Aliant Mobility, Bell Mobility, Eastlink Wireless, Fido, Mobilicity, MTS,
       NorthenTel Mobility, Public Mobile, Rogers Wireless, SaskTel Mobility,
       Telebec Mobilité, TELUS Mobility, Vidéotron, Virgin Mobile Canada, WIND
       Mobile. Additional carriers may be added.

 5. For all questions about the service provided herein, you can contact the
    National Bank of Canada at https://www.nbc.ca/contact-us/courriel.html by
    telephone (toll-free) at 1 888 835-6281.
 6. For all questions regarding privacy, please read the National Bank of Canada
    Privacy Policy.

 

© 2010-2020 National Bank of Canada

The information available on the Website is protected under the copyright laws
of Canada and other countries, as applicable. This information may also be the
property of parties other than National Bank of Canada.

Please direct any request for authorization with respect to copyright to:

National Bank of Canada

Corporate Marketing and Communication

600 de la Gauchetière West

Montreal, Québec

H3B 4L2