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CONDITIONS – Milesopedia WORLD ELITE CARD PROMOTIONAL OFFER Q1 2027

Length of the welcome promotion

From November 5, 2026 to March 31, 2027

Eligibility conditions

Sign up for a National Bank^® World Elite^® Mastercard^® credit card during the promotion period via the redirection link provided on the Milesopedia network websites during the promotion as a primary cardholder, as the primary cardholder.

Not have held any National Bank Mastercard credit card for individuals in the past 24 months as the primary cardholder.

Maintain the credit card account open and in good standing until the rewards points are paid. To be considered in good standing, you must comply with the conditions set out in the Credit Card Agreement, such as paying all fees and minimum payments on time.

Not be employed by us or by any entity within our group.

Description of the promotion

Up to 35,000 rewards points upon enrollment, with the annual fee reimbursed for the primary cardholder in the first year.

Reimbursement of annual fees for the first year for the primary cardholder.

We will charge these annual fees to your new card account and reimburse them. You will receive this reimbursement within five months of opening your account, provided your account is still open and in good standing. You will see it appear on your statement as a credit.

Annual fees for cards held by other authorized users are not eligible for this promotion.

Rewards points

Bonus current account offer

Combine your credit card with the opening of a first current account within a maximum of 14 days following the signing of the credit card application form and meet the following conditions to obtain bonus rewards points:

*To apply for payment insurance, you must complete the Credit Card Payment Protection Plan (CCPP) section in the credit card application form.

**The purchase calculation period starts on the date you sign up for the card. For example, if you sign up for the card on 15 February 2027, you have until 15 May 2027 to make the required $5,000 in purchases to obtain the 5,000 points offered, which will be credited to your account by the end of August 2027.

How total purchases are calculated

The calculation covers the total amount of purchases made with all cards linked to the account. Transactions not included in the calculation are listed in article 1.5 of the À la carte Rewards PlanTM.

Other conditions

You may only benefit from the promotion once.

The card is issued subject to credit approval by the National Bank. Other conditions apply to the issue of the card.

You must keep your National Bank current account in good standing for at least 180 days from the date the new current account is opened and until the points are credited to the credit card account. For the purposes of this promotion, the current account is not in good standing if:

• It is overdrawn, meaning it has an unauthorised negative balance.
• It has been used inappropriately, unauthorisedly, illegally, or abusively, as described in article 8.7 of the Deposit Account Agreement of the National Bank.

This promotion may not be combined with any other promotion applicable to National Bank credit cards, nor is it retroactive.

This promotion may be modified or withdrawn without notice.

World Elite – Winter 2027 À la carte Travel Contest

Contest rules

1. THE CONTEST

National Bank of Canada is the Contest Organizer of the World Elite – Winter 2027 À la carte Travel contest

The Contest Period runs from November 5, 2026, to March 31, 2027.

2. WHO CAN PARTICIPATE?

To enter, you must be:

a resident of Canada;

of the age of majority in your place of residence when you enter the Contest.

The following persons are not eligible to enter the Contest: employees, representatives and agents of the Contest Organizer, its subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, as well as members of their immediate families (brothers, sisters, children, father and mother), their legal or common-law spouses, and all persons with whom those employees, representatives and agents reside.

3. HOW TO ENTER

During the Contest Period, you may enter the Contest as follows:

3.1 Apply for a National Bank Mastercard World Elite credit card as the primary cardholder through one of the links available on nbc.ca, on a partner website or through an advisor between November 5, 2026, and March 31, 2027, and activate the card before the draw.

3.2 Additional entry: during the Contest Period, open a first chequing account with National Bank as a primary holder, joint holder or sole holder, provided that you have not held a chequing account in any of those capacities during the previous two years.

Provided that you comply with these Contest Rules, we will use the personal information you have provided to us (last name, first name, telephone number, including area code, mailing address, including postal code, and email address) and enter it in the database used for the Contest in order to award you one entry in the Contest. You will thereby receive one entry in the Contest.

3.3 No purchase necessary

You may enter the Contest without applying for a National Bank Mastercard World Elite^® credit card as the primary cardholder and activating the card before April 30, 2027.

To enter this way, you must:

Send us an original handwritten letter of at least 50 words explaining why you would like to win one (1) gift certificate redeemable through the À la carte Travel agency’s telephone service, valued at $10,000 CAD (ten thousand Canadian dollars).

Include the following personal information in your letter: last name, first name, age, full address, including postal code, telephone number, including area code, and email address.

Send only one letter per sufficiently stamped envelope no later than March 31, 2027. The postmark will constitute proof of mailing, failing which the entry will be void. Your letter must be sent to the following address:

National Bank of Canada

“World Elite – Winter 2027 À la carte Travel” contest

No-purchase entry

800 St-Jacques Street

Montreal, Quebec H3C 1A3

To obtain an additional entry without opening a first chequing account, you must send us a second original handwritten letter of at least 50 words explaining what your dream travel destination would be, in a separate, sufficiently stamped envelope, no later than March 31, 2027, and comply with all the instructions set out above for the first no-purchase entry letter.

Upon receipt of your letter containing all required information, we will enter the personal information you have provided to us (last name, first name, telephone number, including area code, mailing address, including postal code, and email address) in the database used for the Contest. You will thereby receive one entry in the Contest.

Entries obtained in this manner are subject to the same conditions as all other entries.

4. ENTRY LIMIT

There is a limit of one Contest entry per person for applying for the credit card during the entire Contest Period, regardless of the method of entry.

Additional entry:

During the Contest Period, open a first chequing account with National Bank as a primary holder, joint holder or sole holder, provided that you have not held a chequing account in any of those capacities during the previous two years.

5. PRIZE

A total of 5 gift certificates will be awarded in the Contest. One gift certificate will be awarded in each draw in accordance with the conditions set out in section 6.

Each prize consists of one (1) travel gift certificate redeemable through À la carte Travel agency’s telephone service, valued at $10,000 CAD (ten thousand Canadian dollars).

The prize is non-transferable, cannot be exchanged for cash and must be accepted as awarded.

6. DRAW

The draws will be held as follows:

For applications submitted between November 5 and 30, 2026: January 5, 2027

For applications submitted between December 1 and 31, 2026: February 5, 2027

For applications submitted between January 1 and 31, 2027: March 5, 2027

For applications submitted between February 1 and 28, 2027: April 5, 2027

For applications submitted between March 1 and 31, 2027: May 5, 2027

Each draw will be held at 12:00 p.m. at our offices located at 800 St-Jacques Street, 28th Floor, Montreal, Quebec H3C 1A3.

At each draw, we will randomly select one (1) eligible entry from among all eligible entries received and registered during the applicable month.

7. CHANCES OF WINNING

The odds that your entry will be selected at random for a prize depend on the date of the credit card application and the number of entrants in the applicable draw.

8. CONDITIONS APPLICABLE ONLY TO A SELECTED ENTRANT

Your entry may be selected in a draw. However, before being declared a winner, you must:

Be contacted by us within 5 days following the draw.

Correctly answer, without assistance and within a limited period of time, a mathematical skill-testing question. We will ask you the question by telephone at a mutually agreed time.

Complete and return to us, within 5 days after receiving it, the Declaration and Liability Waiver that we sent you. By signing the Declaration and Liability Waiver, you will agree:

To accept your prize as described in these Contest Rules.

That you may not transfer your prize to another person, exchange it for cash or replace it with another prize.

That once you have received your prize, the performance of the related services will be the sole and exclusive responsibility of the various prize suppliers.

That we may use your first or last name, photograph, image, statement about the prize, place of residence or voice for publicity purposes, without compensation.

That we are not liable for any harm you may incur as a result of accepting or using your prize, including any tax consequences. Our subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, and their employees, representatives and agents also cannot be held liable.

Within 10 days after receiving your Declaration and Liability Waiver, we will contact you again to explain how your prize will be awarded.

If you fail to comply with these conditions or any other condition set out in these Contest Rules, you will be disqualified. If time permits, we may hold another draw until an entrant is selected and declared a winner. An unclaimed prize may be cancelled.

9. CONDITIONS APPLICABLE TO AN ENTRANT

9.1 Our decisions in connection with the Contest are final and without appeal.

9.2 We, our subsidiaries, advertising and promotional agencies, suppliers of materials, prizes and services related to the Contest, and our employees, representatives and agents are released from all liability relating to:

Your entry or attempted entry in the Contest.

Any harm caused by downloading a webpage or software or transmitting information for the purpose of entering the Contest.

Any limitation on or inability to enter the Contest due to the malfunction of computer equipment, software or a communication line; the loss or absence of network communication; or a transmission that is faulty, incomplete, unintelligible or deleted by a computer or network.

9.3 We do not guarantee that the Contest website will be accessible or operate without interruption throughout the Contest Period or that it will be error-free.

9.4 During the Contest Period, our computer system may be unable to register all entries received. The draw may then be held solely from among the entries that were registered. Entry in the Contest may also end before the end date set out in these Contest Rules. In that event, the draw may be held from among the entries received and registered up to the date of the event that ended participation in the Contest.

9.5 Entry forms, no-purchase entry letters and Declaration and Liability Waiver forms are our property and will not be returned to you.

9.6 We will not contact you in connection with the Contest except as provided in these Contest Rules or on our own initiative.

9.7 We will use some of your personal information to administer the Contest. By entering the Contest, you consent to the use of your personal information for your entry in the Contest or when the prize is awarded.

10. OUR REMEDIES

10.1 We may verify entry forms, no-purchase entry letters and Declaration and Liability Waiver forms. We may reject an entry form, letter or Declaration and Liability Waiver, for example, if it is incomplete, fraudulent or submitted late. A rejected entry form, letter or Declaration and Liability Waiver will not entitle you to an entry or a prize, as applicable.

10.2 We may disqualify you or cancel one of your entries if you enter or attempt to enter in breach of these Contest Rules or in a manner that is unfair to other entrants, such as through hacking or by exceeding the permitted entry limit. You may be referred to the appropriate judicial authorities.

10.3 Any attempt to deliberately damage a website related to the Contest or to undermine the legitimate operation of the Contest is a violation of civil and criminal laws. If such an attempt is made, we reserve the right to reject your entry and seek remedies under the law.

10.4 We reserve the right, at any time and in our sole discretion, to cancel, terminate, modify or suspend the Contest, in whole or in part, if an event or human intervention occurs that may corrupt or affect the administration, security, fairness or operation of the Contest. In all cases, we will not be required to award more prizes or to award a prize other than as provided in these Contest Rules.

11. INTERPRETATION OF THE CONTEST RULES

11.1 In these Contest Rules, the entrant is the person identified on the entry form or no-purchase entry letter, as applicable. The prize will be awarded to that person if they are selected and declared a winner.

11.2 If any provision of these Contest Rules is declared unenforceable by a court of competent jurisdiction, that provision will be deemed null and void, but all other unaffected provisions will remain in force.

11.3 If the English and French versions of these Contest Rules are not identical, the French version will prevail.

^® Mastercard and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

^® The À LA CARTE REWARDS logo is a registered trademark of National Bank of Canada.

^® NATIONAL BANK OF CANADA LOUNGE is a registered trademark of National Bank of Canada.

^® À LA CARTE REWARDS PLAN is a registered trademark of National Bank of Canada.

^® Apple Pay is a registered trademark of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor of or participant in National Bank Mobile Banking Solutions.

^® Google Pay is a registered trademark of Google LLC. Use of this trademark is subject to Google Inc. Permissions.

^TM À LA CARTE TRAVEL is a trademark of National Bank of Canada. The À la carte Travel agency is owned by Transat Distribution Canada Inc. and holds a Quebec permit (No. 753141).

^TM À LA CARTE REWARDS is a trademark of National Bank of Canada.

^® THE TOTAL, THE CONNECTED and NATIONAL BANK are registered trademarks of National Bank of Canada.

* Mastercard^® World Elite^®

The National Bank^® World Elite^® Mastercard^® credit card was voted best Mastercard credit card by Milesopedia in 2026, 2025 and 2024.

The National Bank^® World Elite^® Mastercard^® credit card was voted best travel credit card by Milesopedia in 2026, 2025 and 2024.

Every year, Milesopedia reviews credit card offers from major financial institutions and establishes its Ranking based on over 150 criteria such as fees, welcome offer, minimum income required, number of points per category, account credits, insurance, airport lounge access, etc.

1. Certain restrictions apply. For more information, see the Rewards Plan section or the Plan Rules applicable to point accumulation.
2. Grace period: No interest is charged on purchases made during the month if the cardholder pays the full balance of their account within twenty-one (21) days of the statement date. This grace period does not apply to cash advances and balance transfers. Minimum payment: if your account balance is less than $10, you must pay the balance in full. If you reside in the province of Quebec, your minimum payment is 5% of your account balance plus any overdue amount, or $10, whichever is greater. If you reside outside Quebec, your minimum payment is 2.5% of the credit card account balance plus any overdue amount, or $10, whichever is greater. Account statement: an account statement is sent monthly.

   Table of examples of credit fees calculated over a 30-day period

   Annual interest rate	$500	$3,000
   22.49%	$9.24	$55.45
   20.99%	$8.63	$51.76
   13.2%	$5.53	$33.16
   9.2%	$3.78	$22.68

   *Variable interest rate in effect as of September 1, 2021.

3. Balance transfers and cash advances are subject to National Bank credit approval. Each amount transferred cannot be less than $250.
4. Exclusive to World Elite Mastercard cardholders. Presentation of the physical credit card and boarding pass is required to access the lounge. The National Bank^® Lounge is accessible to customers traveling on international flights only (excluding flights to Canada and the United States). You benefit from free and unlimited access with one guest and two children aged 12 and under. Until October 4, 2026 (date subject to change), customers can enter the National Bank Lounge three hours before their flight departure time. From October 5, 2026 (date subject to change), access will be authorized for a maximum duration of 2 hours (3 hours for customers who hold a Private Banking 1859^® World Elite^® Mastercard^® credit card). National Bank customers who are not World Elite ^® Mastercard ^® cardholders can also access the current lounge based on current rates and benefit from a 25 % discount on these rates : 63,24 $ taxes included for adults (excluding discount) $40.24 taxes included for children aged 2 to 12 (excluding discount) free for children under 2 (excluding discount) The entry fee is subject to change without notice and is the responsibility of the lounge operator.
5. Subject to providing the required supporting documents in the manner and within the prescribed timeframe. Certain conditions may apply. Only the primary cardholder of a National Bank World Elite Mastercard (Cardholder) whose account is in good standing can request a « Travel Fee Reimbursement ». « Account in good standing » means an account linked to the credit card that does not violate the Credit Card Agreement in any way and on which no restrictions apply. For example, and without limitation, the associated annual fees must have been paid in full. The maximum reimbursement of $150 can be requested from January 1 to December 31 of each year. Eligible expenses are: airport parking baggage fees seat selection airport lounge access worldwide airline ticket upgrades A reimbursement request must be made within 60 days of the purchase date. Travel expenses must be charged to the National Bank World Elite Mastercard credit card account. The maximum reimbursement of $150 is applicable per account. Please allow up to 7 business days for the reimbursement to be processed from the date your request is submitted. National Bank reserves the right to request additional supporting documents for validation purposes (e.g., invoices). You must keep all receipts and supporting documents for a period of 12 months from the date you made your reimbursement request. An unused reimbursement in one year cannot be carried over to the next year. You can make your request online at rewards.nbc.ca or by calling 1-800-341-8083 (toll-free) for an agent to assist you with your travel fee reimbursement request.
6. Point accumulation on grocery and restaurant spending depends on the total gross monthly amount charged to the credit card account, across all categories. Earn 5 points per dollar spent on eligible grocery and restaurant purchases. The 5 points per dollar accumulation is valid for the first $2,500 of gross monthly purchases charged to the account. Beyond this amount, eligible grocery and restaurant spending will earn 2 points per dollar. The calculation of the gross monthly purchase amount is based on monthly billing. A grocery purchase means a purchase made at a merchant whose primary business is selling food, such as a grocery store, delicatessen, supermarket, fruit store, or specialty food store. Meal kit subscriptions and meal delivery services are eligible. Therefore, this definition excludes, among others, retail stores and big-box stores whose primary business is selling non-food items. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. A restaurant purchase means a purchase made at a restaurant, including quick-service restaurants, bars, discotheques, nightclubs, and taverns. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan^® terms and conditions document.
7. These protections apply if the purchases or rental are paid for in part with the card before departure, except, if applicable, for out-of-province medical-hospital insurance for which it is not necessary to charge the purchase of an à la carte trip and for baggage delay protection where the full cost of transport must have been charged to the card. All these protections apply to the primary cardholder, their spouse and/or their dependent children when they (spouse and dependent children) travel with the cardholder. Extended warranties apply to most new items purchased with the card, in Canada or abroad, provided the manufacturer’s warranty exists and is valid in Canada. Certain conditions, limitations and restrictions apply. For more information and details regarding your insurance coverage, please consult the insurance certificate linked to your card.
8. Subject to credit approval by National Bank.
9. Certain conditions apply. Visit mastercard.ca for more information. See all credit card terms and conditions.
10. To earn 2 points per dollar spent, you must pay for your gas or electric charging purchases at a gas station or certain big-box stores. Some merchants may sell products or services identical or similar to those of eligible merchants, or are separate merchants located on the same premises as eligible merchants, but are classified by Mastercard in different categories. Purchases made from other merchants only earn base reward points. To view the full list of Mastercard codes associated with eligible merchants, download the À la carte Rewards Plan^® terms and conditions document.
11. Recurring bill payments are defined as payments made monthly or regularly that are automatically charged by the merchant to your National Bank World Elite Mastercard. Not all merchants offer recurring payments, and not all recurring payments are considered recurring bill payments. Therefore, some payments may not qualify for accelerated reward points.
12. To earn 2 points per dollar spent, you must pay for your eligible purchases through the À la carte Travel^TM agency section of our À la carte Rewards^TM site.
13. For example, if you spend $400 monthly on groceries, $200 on gas, $100 on recurring bills and $150 on other purchases, the $850 spent will generate 2,750 points, broken down as follows: 2,000 points for grocery spending (since the total gross monthly amount is $850, which is less than $2,500), 400 points for gas spending, 200 points for recurring bills and 150 points for other purchases.
14. Insurance up to $1,000 in case of breakage, loss or theft of mobile devices for a maximum period of 2 years following the date of purchase. Subject to purchasing the device with the National Bank World Elite Mastercard or a phone service subscription paid by recurring payments from your National Bank Platinum Mastercard starting September 1, 2022. For all conditions, please consult the insurance certificate linked to your card.