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A CONFIDENTIAL MATTER: STRICTLY BETWEEN YOU AND US


PROTECTING YOUR PERSONAL INFORMATION IS IMPORTANT TO US.

Safeguarding your personal information is one of our top priorities.
Underpinning our commitment to your privacy is our Code of Conduct and Ethics,
our various policies and practices, and our Privacy Officer, who ensures that
the applicable rules are followed.

You can contact the Bank’s Privacy Officer by email at confidentiality@nbc.ca or
by mail at:

700 De La Gauchetière Street West, Transit 5416-1, Montreal, Quebec H3B 3B5.

This policy applies to i) National Bank of Canada, its successors and assigns,
ii) all its subsidiaries offering to the public in Canada deposit and lending
services, credit, debit and payment cards, trust services, custodial, brokerage,
insurance, assistance and other personal financial services, including National
Bank Trust Inc., National Bank Investments Inc. and Natcan Trust Company and
iii) its subsidiaries established in the EU, including NBC Global Finance Ltd.,
and EU branches of its subsidiaries. Some subsidiaries may be subject to
specific statutes and different policies may apply to customers outside of
Canada depending on the laws applicable to their relationship with the Bank. A
list of our main Canadian subsidiaries can be obtained at any National Bank
branch.


OBTAINING CONSENT

Your consent is essential. Before we obtain your consent in writing or by phone,
we take care to clearly explain our practices to you.


PROVIDING SERVICES

To be able to offer the products and services you want and that are best suited
to your needs, we need to gather some basic information about you.

For example, when you open an account, we will ask you for your name, address
and telephone number.

If you require financial advice, or investment, financing or trust services, we
will need to collect information about your financial situation.

In addition, certain laws and regulations require us to gather specific
information about you, including information about your identity and your
investor profile.

We may record your telephone discussions with our representatives or use video
surveillance in our branches to capture your image. The purpose of the recording
will be explained each time you are recorded.

With your consent, we may also obtain information about you from third parties
to help us assess your eligibility for our financial products and services. For
example, for credit products, we contact other lenders, financial institutions
or credit bureaus to get your credit history.


IDENTIFYING YOU

We need your social insurance number (SIN) in order to comply with tax
legislation. For example, if you open an account that earns interest, or if you
invest in an RRSP or RRIF, we will ask you for your SIN so that we can issue tax
receipts.

Your SIN also makes it easier for us to identify you with other financial
institutions, credit reporting and assessment agencies, public registries, and
regulatory authorities and bodies. Although you are not required to disclose
your SIN for identification purposes, we think it is in your interest to do so.


RESPECTING YOUR CHOICES

With the appropriate consent1, the Bank and its affiliates or subsidiaries may
contact you to offer you products and services that might be of interest. The
consent you give us to contact you by telephone or fax takes precedence over the
National Do Not Call List2.

Should you not wish to receive our product and service offers or other
promotional materials, contact your branch, your representative or the relevant
partner3. If you no longer want to receive promotional emails, simply click on
the unsubscribe link in the message and follow the instructions. Your choice
will take effect as soon as our systems are updated and always within the
prescribed timeframe.

Rest assured that your choices will not impact the services you receive.

Otherwise, we are required to use and disclose some of your personal information
in order to open, maintain and manage your account. In these situations, if you
refuse or withdraw your consent we will be required to cancel our services.

1 We are not always required to contact you to obtain your consent since
legislation sometimes allows for implied consent. For example, Canada’s
Anti-Spam Legislation allows us to send promotional emails to individuals with
whom we have existing business relationships, provided they are able to
unsubscribe from these messages. For more information on Anti-Spam Legislation,
go to www.fightspam.gc.ca.
2 For further information about the National Do Not Call List, go to
www.lnnte-dncl.gc.ca or call 1-866-580-3625.
3 Regardless of the choice you make, the Bank may continue to send you
regulatory inserts, post messages on your account statements or ABM transaction
records, and provide you with information on its products and services in
person.


RESPECTING YOUR PRIVACY

Under certain circumstances, we must disclose your information to third parties.
When we do share your information, we share only what’s necessary.


WHEN REQUIRED TO SERVE YOU

We may share your information with our affiliates and subsidiaries in order to
offer you products and services, manage our risks, comply with applicable
legislation and update your client profile. We inform them of changes made to
your file, which helps to streamline your requests and transactions so that they
can be processed more quickly.


OUR SERVICE PROVIDERS

We sometimes contract outside providers to perform certain services such as
printing cheques, issuing bank cards or managing your investments.

Our service providers are carefully selected. Suppliers are required to sign a
confidentiality agreement to access personal information, and may only use that
information for the purposes outlined in the agreement. Furthermore, they are
required to ensure the same level of protection as is provided by the Bank.

When we contract suppliers, they are only given the information necessary to
perform the requested services.


SERVICES PROVIDED OUTSIDE CANADA

Some of our service providers are located outside Canada. Others, though located
in Canada, may store or process your information outside the country.

In either case, your information may be subject to the laws of the country in
which it is held, including the United States.

If you have any questions about the services provided by our suppliers or the
countries where your information may be held, please contact the Privacy Officer
(contact details at the beginning of this policy).


WHEN REQUIRED BY LAW

There are certain situations where we are legally permitted or required to
disclose information about you. We may therefore disclose your information to
various authorities or agencies, including international authorities, notably
those in the United States.


WHEN WE NEED TO PROTECT OUR OWN INTERESTS

If we are involved in court proceedings, we may have to disclose personal
information about you. Furthermore, if we have to return a cheque for
insufficient funds, a third party would then know that your account was
overdrawn. Likewise, if we employ an agency to collect funds, a third party
would know that you are not meeting your financial obligations.


WHEN PUBLIC INTEREST IS ENDANGERED

We are authorized to investigate any suspected criminal activity and report
certain situations. We may contact the authorities and disclose certain
information.


ACCESSING YOUR INFORMATION

Unless legal restrictions apply, you have the right to access the information we
hold about you free of charge. You must send your request in writing to your
branch or your representative at a subsidiary. You can also submit a request
through Internet Banking Solutions using the email option in the menu at the top
of your account overview. We will respond to your request within 30 days of
receipt, unless we inform you that it will take longer, as permitted by law
under certain circumstances.


KEEPING INFORMATION ACCURATE

We take reasonable measures to keep personal information as accurate, complete
and current as possible. We rely on you to inform us of any change, errors or
inaccuracies concerning your information. If need be, we will do what we can to
inform third parties with whom we have shared your information of any changes.


SAFEGUARDING YOUR PERSONAL INFORMATION

We take reasonable precautions to safeguard your information from loss, theft
and destruction, and from unauthorized access, disclosure, duplication, use or
modification, regardless of how or where it is stored. To this end, we have
implemented various security measures, such as:

 * Physical measures: Including the protection of infrastructures, e.g.,
   ensuring that access to our premises is secure, and that equipment is in a
   secure location.
   
 * Administrative measures: Aimed at limiting access to your personal
   information. Only employees who need to consult your information for work
   purposes may do so.
 * Technical measures: Such as closely managing passwords and using a firewall.

Furthermore, the passwords, user names and personal identification numbers (PIN)
you use to access certain financial services are confidential and only you know
them. Our employees cannot access this information and will never ask you for
it. Never disclose your passwords, user names or PINs and avoid including
personal information in emails. We encourage you to read the “ABCs of Security”
at nbc.ca.


RETAINING AND DESTROYING INFORMATION

We retain your information only as long as it is needed. If you stop doing
business with us, we must retain certain information in order to, among other
reasons, comply with laws, settle future transactions or obtain proof of past
transactions. When this information is no longer necessary, it is destroyed.
When destroying your information, we follow strict rules and ensure that only
authorized personnel has access to it.


UPDATING THIS POLICY

We reserve the right to update this policy at any time. Any changes will come
into effect on the date of the most recent update. By continuing to use our
services after this date, you accept the changes made to the policy.


QUESTIONS

If you have any questions or comments about our information handling practices,
please contact the Customer Service Manager at your branch or your
representative at a subsidiary, or write to us at one of the addresses below:

Privacy Officer
700 De La Gauchetière Street West, Transit 5416-1 Montreal, Quebec H3B 3B5
confidentiality@nbc.ca.

COMPLAINT SETTLEMENT

If you have a complaint, please refer to our Complaint Settlement brochure,
which is available at any branch or on our website at nbc.ca, by going to About
Us > Our Organization > Complaint Settlement > Complaint Process.

You also have the option of contacting the federal or provincial privacy
commissioner with jurisdiction over the organization involved. Depending on the
situation, it will be one of the


Office of the Privacy Commissioner of Canada
30 Victoria Street Gatineau, Quebec K1A 1H3
Toll-free: 1-800-282-1376
www.priv.gc.ca.
Commission d’accès à l’information du Québec
575 Saint-Amable Street, Suite 1.10 Quebec City, Quebec G1R 1G4
Tel.: 418-528-7741
Toll-free in Quebec: 1-888-528-7741
www.cai.gouv.qc.ca.
Office of the Information and Privacy Commissioner of Alberta
9925-109 Street, Suite 410 Edmonton, Alberta T5K 2J8
Tel: 780 422-6860
Toll-free: 1-888-878-4044
www.oipc.ab.ca.
Office of the Information and Privacy Commissioner for British Columbia
P.O. Box 9038, Stn. Prov. Govt. Victoria, British Columbia V8W 9A4
Tel: 250-387-5629
Toll-free in British Columbia: 1-800-663-7867
www.oipc.bc.ca.

GENERAL DATA PROTECTION REGULATION (EUROPEAN UNION)

If you have dealings with or your personal data is collected by one of our
establishments or subsidiaries located in the European Union, the General Data
Protection Regulation (“GDPR”) may apply to the processing of your personal
data. Nothing in this policy shall diminish your rights as a result of GDPR. A
detailed statement of your rights and of the use of your data will be provided
to you at the time when your personal data are obtained and is also available
upon request.