MY MONEY, MY TOOLS. 5. My personal information, my security 5.1 How my banking operations are protected 5.2 My precautions

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2 2 MY MONEY, MY TOOLS 1. My management, my solutions 1.1 My personal bank account 1.2 My fixed monthly fee plan 1.3 My special advantages 1.4 My tips for lowering service charges 2. My funds, my transactions 2.1 My account access 3. My credit, my possibilities 3.1 My credit card 3.2 My rewards program 4. My needs, my options 4.1 My choices 5. My personal information, my security 5.1 How my banking operations are protected 5.2 My precautions 6. My complementary info, my contacts 6.1 My account application form 6.2 Fees for my banking services 6.3 My active products that are no longer offered by the Bank 6.4 My contacts Fee structure in effect as at May 1, 2013.

3 3 Your money. You earn it, you manage it, you save it, you spend it, you make the most of it. And to do all that, you need tools. Like a bank account, a debit card, a savings plan, management services, a credit card and a few other tools of the trade. Your money. You earn it, you manage it, you save it, you spend it, you make the most of it. And to do all that, you need tools. Like a bank account, a debit card, a savings plan, management services, a credit card and a few other tools of the trade. Come see us! Because we have all the choice you could want to manage your money smoothly. Want well-stocked coffers? Come see us! Because we have all the choice you could want to manage your money smoothly. Along with the tools mentioned above, we also have special plans, programs adapted to your life needs, protection instruments and everything it takes to help you manage your money. Efficiently. Skillfully. Want well-stocked coffers? Come see us! Because we have all the choice you could want to manage your money smoothly. Along with the tools mentioned above, we also have special plans, programs adapted to your life needs, protection instruments and everything it takes to help you manage your money. Efficiently. Skillfully.

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5 1 5 My management, my solutions As you might expect, banking habits vary greatly from one person to the next. Many factors explain this. For example, the average number of transactions per month, a preference for counter service or automatic banking machines, age or the capacity to save. That s why we offer you a series of accounts, plans and programs to help you take care of everyday business. You ll see, there s something for every habit. It s up to you to find the solution or solutions that simplify your life the most and that cut your bank charges to a minimum. Simultaneously. Obviously. You ll see, there s something for every habit.

6 6 1.1 My personal bank account We don t like to complicate things for nothing. That s why we only offer three accounts that, in our opinion, meet every need. So whether it s to manage your everyday transactions, save towards a specific goal, make periodic payments, invest in the future, stir up business in the United States, or for anything else, you ll find what you need with one of our three choices. solution The Operations account Type of account Use Account Service Fees Transaction Fees Chequing account Ideal for current account transactions. Can be linked with a banking plan to reduce transaction fees. Choice between a paper bank statement 1 or an electronic bank statement 1, 2 Minimum monthly balance of $3,000 or more: No monthly fees. Minimum monthly balance of less than $3,000: No monthly fees for an electronic bank statement via epost TM service 1,2. $2.00 per month for an account with a paper bank statement 1. Minimum monthly balance of $3,000 or more: No fees for withdrawals or transfers at the branch 3, at a Laurentian Bank automated banking machine (ABM) or through LBCDirect, cheques and direct debits. No fees for bill payments made at Laurentian Bank automated banking machine or through LBCDirect. Minimum monthly balance of less than $3,000: $1.00 per withdrawal, transfer or bill payment 3 at a Laurentian Bank ABM or through LBCDirect. $1.00 per direct debit. $1.00 per cheque. $1.25 per withdrawal, transfer or bill payment at the branch 3.

7 7 The Investment Excellence account Type of account Savings account solution CHOIX2 Use Interest rate 4 (Interest is calculated on the minimum daily balance and paid monthly.) Account Service Fees Transaction Fees Ideal for saving or investing large sums while enjoying access to your funds at all times. A wise choice if few transactions are carried out in the account. Choice between a paper bank statement 1 or an electronic bank statement 1, 2 Progressive annual rate by tiers; the yield compares favourably with a short-term deposit certificate. Charges in force as at: Balance of $5,000 to $24,999.99: Balance of $25,000 to $59, : Balance of $60,000 to $99, : Balance of $100,000 and more 4 : No fees and your choice of a monthly electronic bank statement via epost TM service 1,2 or a paper bank statement 1 $1.00 per withdrawal, transfer or bill payment 3 at a Laurentian Bank ABM or through LBCDirect. $1.00 per direct debit. $1.25 per cheque. $1.50 per withdrawal or transfer at the branch 3. $1.00 discount on the first debit transaction of the month. % % % %

8 8 solution 3The Day by Day Interest Plus account in American dollars Type of account Chequing account in U.S. funds Use Interest rate 4 (Interest is calculated on the minimum daily balance and paid monthly.) Account Service Fees Transaction Fees Ideal for everyday banking transactions in U.S. funds. The features and charges are also in U.S. funds. For use at a branch only the account cannot be accessed using an automated banking machine or LBCDirect. Cannot be linked with a banking plan. Choice between a paper bank statement 1 or an electronic bank statement 1, 2 Progressive annual rate by tiers. Charges in force as at: Balance of less than $1,000 USD: Balance of $1,000 to $4, USD 4 : Balance of $5,000 to $9, USD 4 : Balance of $10,000 USD and more 4 : Minimum monthly balance of $3,000 USD or more: No monthly fees. Minimum monthly balance of less than $3,000 USD: No monthly fees for an electronic bank statement via epost TM service 1,2. $2.00 USD per month for an account with a paper bank statement 1. Minimum monthly balance of $3,000 USD and more: No fees for cheques, withdrawals or transfers at the branch 3. Minimum monthly balance of less than $3,000 USD: $0.85 USD per cheque. $1.00 USD per withdrawal, transfer or bill payment at the branch 3. % % % % Forward thinking at 8:46 p.m. every day CONSEIL TIP Please note that all transactions carried out after 8:45 p.m. Eastern Standard Time (EST) at a Laurentian Bank automated banking machine or through LBCDirect is dated the next day.

9 1.2 9 My fixed monthly fee plan Whether you carry out just a few, some, a lot or loads and loads of transactions per month, we have a banking plan for you. Check out which of our four plans suits your needs and habits best! x x Monthly fee $3.50 $6.50 $13.75 Transact a Little plan 5 Transact a lot plan 5 Transact without Limit plan 5 x Typical client Carries out very few transactions per month. Uses automated banking services and occasionally services at the branch. Carries out many transactions per month. Uses both automated banking services and services at the branch. An ideal solution for people with extensive banking, offering an unlimited number of transactions of all kinds. Maximum number of free transactions per month 6 8 transactions 20 transactions Unlimited Laurentian Bank ABMs (withdrawals, transfers and bill payments) LBCDirect (transfers and bill payments) INTERAC Direct Payment 7 6 per month Cheques Direct debits At the branch (withdrawals 3, transfers) 2 per month Account Service Fees Electronic bank statement via epost TM service 1,2 : free Paper bank statement 1 : free Electronic bank statement via epost TM service 1,2 : free Paper bank statement 1 : $2.00/month Electronic bank statement via epost TM service 1,2 : free Paper bank statement 1 : $2.00/month Other privileges available on request Free monthly statement, The Super Statement. (paper bank statement or electronic bank statement via epost service 1,2 )

10 10 Monthly fee $29.00 Typical client The Gold service plan 5 Wants complete freedom as to how many transactions can be carried out. Has complex financial needs. Uses both automated banking services and services at the branch. x Maximum number of free transactions per month 6 Unlimited number of transactions Laurentian Bank ABMs (withdrawals, transfers and bill payments) LBCDirect (transfers and bill payments) INTERAC Direct Payment 7 Cheques Direct debits At the branch (withdrawals 3, transfers) Account Service Fees Other privileges 8 available on request None Your choice of a monthly electronic bank statement via epost TM service 1,2 or a paper bank statement 2 Free payment of bills at the branch. Free withdrawals at INTERAC 7 and PLUS TM7 network ABMs. A line of credit starting at $1,500 with no transaction fees 9. Overdraft Protection with no monthly user fees 9 if you do not qualify for a personal line of credit. Free personalized cheques 10. Free stop payments (complete information provided by the client). Official cheques, certified cheques and money orders (CAN and USD). Bank drafts at no charge. American Express Travelers Cheques, with a single signatory, at no charge and a 1% discount on service charges for Cheques for Two. A 50% discount on annual safety deposit box rental 11. A 1% reduction on the interest rate in effect for fixed- or variable-rate personal loans 12. A $150 discount on fees upon transfer of a mortgage to Laurentian Bank 13. Free additional VISA 14 EXPLORE card for your spouse. A $50 discount on the fees for a self-directed RRSP 15. Tactical RRSP with no annual fees. A $100 discount on management cost of a Laurentian Trust portfolio 16. Free monthly statement, The Super Statement. Paper bank statement 1 or electronic bank statement via epost service 1,2

11 All in one, once and for all Want to cut your banking charges? Choose a banking plan! It s amazing how much you can reduce your banking expenses. Especially if you carry out lots of transactions every month. To give you some idea, we created the following example with our Transact without limit banking plan that lets you carry out an unlimited number of transactions per month. We now leave you the pleasure of discovering the power of all-in-one on 41 monthly transactions compared to the cost per transaction without a plan.! 11 Transactions carried out Normal cost (without a plan) Cost with Transact without limit PLAN 5 withdrawals at a Laurentian Bank ABM ($1.00 each) $ transfers at a Laurentian Bank ABM or through LBCDirect ($1.00 each) $ transactions paid by INTERAC Direct Payment 7 ($1.00 each) $ bill payments at a Laurentian Bank ABM or through LBCDirect ($1.60 each: $1.00 transaction fee on bill payments + $0.60 collection fee on bill payments) $8.00 Included in the plan 4 direct debits ($1.00 each) $ cheques ($1.00 each) $3.00 Monthly statement, The Super Statement $2.50 Total $46.50 The plan s fixed fee $13.75 Monthly savings with Transact without limit plan $32.75 Annual saving $ There you have it: $32.75 in savings per month! Multiply that by twelve and you could save no less than $ during the year based on our example. Obviously, your savings would depend on the services you use. Our example doesn t cover everything. For more details on our banking plans, check out their fact sheets on pages 9 and 10.

12 My special Advantages Are you under age 18, a student between the ages of 16 and 25, or older than 60? Well then, have we got something for you - one of our special advantages programs that offer you privileges and free services. Take advantage while time is on your side! If you re eligible for one of them, there are great savings to be had. Monthly fee The Operations account Youth 5 Free x To be eligible Be under age 18. Specifics 17 Maximum number of free transactions per month Allowable transactions User fees for complementary services Account Service Fees Special chequing account for youth. Unlimited number of free transactions Withdrawals, transfers and bill payments at the branch 3 and at Laurentian Bank ABMs. Transfers and bill payments through LBCDirect. Cheques. Direct debits. INTERAC Direct Payment 7 : $1.00 per transaction. None Your choice of a monthly electronic bank statement via epost TM service 1,2 or a paper bank statement 1. Top secret The more you make the most of our banking plans and special advantages, the less it will cost you and the more you ll be able to save your bank notes, all the better to bulk up your piggy bank!

13 x STUDENT ADvantage 5 To be eligible Be between the ages of 16 and 25. Be enrolled full-time in a recognized establishment (proof required). Specifics Gives access to financial privileges exclusively for students. Offers a $8 monthly rebate on the regular monthly fee of one of the selected plans: Plans Transact a lot Transact without limit The Gold Service 13 Reduced monthly fee Free $5.75 $21.00 Maximum number of free transactions per month 6 20 transactions Unlimited Unlimited Allowable transactions and other privileges 8 Details on page 9 Details on page 9 Details on page 10 Financial privileges 8 Student line of credit 18 (financing starting at $1,500, and only the interest must be paid while studying). VISA 14 Black credit card for students (no annual fee, ideal to build a credit history, practical for online purchases, advances of available funds, the Reward Me option at $3.50 per month or free when making more than $350 in net purchases during the month 19, - a perfect option to collect points that can be exchanged for gift cheques at more than 80 retailers, such as Future Shop, Bureau en Gros/Staples, SAQ, Sports Experts and many others).» The credit card cannot be offered to students aged under 18. x 60+ AdVANTAGE 5 To be eligible Be aged 60 or older. Specifics All the advantages of the program extend to your spouse, regardless of age, provided you have a joint chequing account.» No fees for electronic bank statement via epost service 1,2 or a paper bank statement 1 Offers a $5 monthly rebate on the regular monthly fee of one of the selected plans: Plans Transact a lot Transact without limit The Gold Service Reduced monthly fee $1.50 $8.75 $24.00 Maximum number of free transactions per month 6 20 transactions Unlimited Unlimited Allowable transactions and other privileges 8 Details on page 9 Details on page 9 Details on page 10 x 65+ Banking Plan Monthly fee Free 6 To be eligible Be over age 65 Maximum number of free transactions per month 6 Allowable transactions 4 transactions Withdrawals, transfers and bill payments at the branch 3 and at Laurentian Bank ABMs. Transfers and bill payments through LBCDirect. Cheques. Direct debits. INTERAC Direct Payment 7 Account Service Fees Electronic bank statement via epost TM service 1,2 : free Paper bank statement 1 : free

14 Tip 1 Tip 2 Tip 3 Tip 4 My tips for lowering service charges The first step to reduce your service charges is of course to take advantage of our banking plans and special programs. But there are a few other little tricks as well. MAINTAIN the minimum monthly balance required If you don t have a banking plan, the simple act of getting one lets you avoid transaction and account management fees. Also, avoid having too many bank accounts. Instead, regroup all your funds in a single account with our Red Carpet Simplified Service. This is simpler to manage and it keeps charges from piling up. Take out more money LESS often Since you pay fees for each transaction, it is not in your interest to regularly make small withdrawals or transfers. Not only does that cost you money, but your frequent trips to ABMs are a waste of your valuable time. Avoid PAYINg YOUR bills AT the branch Transactions at the branch are the most costly. So unless you have a banking plan or a program that covers them, opt for transactions at an automated banking machine or through LBCDirect we tell you all about that In point 2.1. Ask FOR Overdraft PROTECTION Cheques and direct debits without sufficient funds cost a bundle: $65.00 to be precise, and your financial reputation takes a hit. So why take the risk of that happening to you when you can avoid it with our Overdraft Protection? It provides protection from $250 to $1,500 against a temporary shortfall of funds. And since you only pay fees when you use it - $5.00 per month of usage plus the applicable interest on the overdraft it s a real bargain to keep your peace of mind, and your reputation, intact.

15 15 5 Tip 6 Tip Tip 7 Take advantage of DIRECT PAYMENT When you make purchases, make INTERAC 7 Direct Payment your preferred choice. It s fast and some retailers even let you withdraw funds. If you need cash, kill two birds with one stone. It saves you a trip to a branch and since time is money, you re a double winner. Choose our AUTOMATED banking MAChines When you are a Laurentian Bank client, it s always in your best interest to use automated banking machines because there are no user fees in addition to transaction fees. At other institutions ABMs, it could cost you $1.50 in INTERAC 7 fees per transaction plus any applicable surcharges from the institution that owns the ABM. By PREPARED when YOU make a STOP PAYMENT If you have all your information with you, the charges for your request will be less expensive ($13.00 instead of $20.00) than if you are missing papers and the Bank has to conduct research to find them.

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17 2 17 My funds, my transactions When you re always on the go and torn between work, family, leisure activities and obligations, it s not always possible to get to the Bank during business hours to carry out transactions and take care of everyday business. It is exactly for this reason that there are all sorts of ways you can access your funds. No need to rush or stress out to get to the Bank in time because now, you can enjoy access to your account anytime and from almost anywhere, to carry out just about all your transactions when and how you please. Freely. Calmly. No need to rush or stress out to get to the Bank in time because now, you can enjoy access to your account anytime and from almost anywhere!

18 My account access My branch My client card and ABMs My Direct PAYMENT service It s only natural that your branch is your primary contact with the Bank. For many services starting with the opening of an account you have to go there. If you also prefer to conduct your transactions there because you like the human contact, we advise you to take a banking plan or program that includes them to limit your costs. Service charges in the branch are higher per item than those for automated services. Without a banking plan or program, the bill could become heavy pretty quickly. Your client card is your key to use a host of electronic services: Laurentian Bank automated banking machines, the INTERAC 7 network in Canada and the PLUS 7 network in the rest of the world, and INTERAC 7 Direct Payment. To get a client card, just ask for it at your branch. Then you can use it in complete security to carry out transactions 24 hours a day, 7 days a week. Your client card lets you easily access your bank account to withdraw money and make deposits or transfers, pay bills or make purchases at retailers affiliated with the INTERAC 7 Direct Payment service. The INTERAC 7 Direct Payment service lets you use your client card to pay for your purchases at more than 87,000 merchants in Quebec that have an INTERAC terminal on site. When you pay, the money is automatically debited directly from your Bank account, exactly as if you were paying in cash.

19 19 My other access modes TO my funds Even though there are already all kinds of ways to access your funds, there are still two more that you can use to manage your funds and settle affairs from your account: cheque payment direct debit The first is a flexible payment method that you manage independently as you need it. The second gives you access to your funds to pay bills or accounts without you having to think about it, except to discipline yourself to set aside funds in a savings account for a specific goal (e.g. trip, new home, studies, etc.). My telephone and LBCDirect Internet services Sign up for LBCDirect telebanking service and do your banking by phone or online from home, the office or anywhere else, when and how it suits you. With LBCDirect telebanking services, you don t have to go to your branch; your branch comes to you. Once you ve tried it, you ll never want to do without it!

20 20 LBCDIRECT easy less expensive secure Subscribing to services It s easy! All you have to do is call or It s free, and when you register, you can make as many bill payments as you want for the first three months. After that, you ll continue to save because the transactions through LBCDirect are less costly than those carried out at the branch. Secure services LBCDirect services are not only simple and practical, they are also very safe. Our specialized personnel always do their best to make their services as secure as possible. On the Internet, for example, advanced measures to ensure the confidentiality of the transmission of your personal information include, in particular: The use of 128-bit encryption technology the maximum security available at this time; Automatic logout of any online banking session after ten minutes of inactivity; Monitoring mechanisms of abnormal transactions.

21 21 MAIN BANKING OPERATIONS THAT CAN BE PERFORMED THROUGH LBCDIRECT SERVICES Banking operations ABM Internet Telephone Check your account balance Transfer funds between accounts held at the Laurentian Bank Make deposits and withdrawals Consult current bills Pay bills Receive bills and statements and store them for seven years with epost the Laurentian Bank online service Check the balance of your line of credit Check the balance of your credit card(s) Check your loan balances (mortgage, personal loan, etc.) Check the balance of your investment products Get a cash advance on your credit card Get your account s transaction history Get your Laurentian Bank VISA credit card account transaction history Download your transaction history to your financial management software (Quicken, Money) Transfer from another financial institution 20 Order cheques Update your bankbook Enjoy 24/7 accessibility Enjoy international access to your accounts

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23 3 23 My credit, my possibilities These days, the pressure is on from every direction to spend, spend, spend. On a trip, on a necessity, for a treat or an outing, and whether planned or unplanned all these opportunities and temptations seem to arise or pop up everywhere. If on top of that you always had to have the cash on hand to pay for everything, you d never get out of the woods! It s a good thing there s credit especially the kind that comes in a card to give you the latitude to manage your affairs and occasionally treat yourself without always having to dip into your account right then and there. When used well, credit is a tool that can work wonders and even reward you. Usefully. Flexibly. When used well, credit is a tool that can work wonders and even reward you.

24 The Laurentian Bank offers a full lineup of credit cards that meet a variety of specific needs. From collecting cashbacks or points to travel, redeem rewards and gift cheques to taking advantage of a low interest rate to finance a project or building your credit profile, you will find a VISA that will meet your expectations to a tee! VISA advantages YOUR FOREMOST METHOD OF PAYMENT Travel with your card knowing that VISA is accepted worldwide and used in over 150 countries. Get cash advances from 800,000 automatic banking machines and 400,000 financial institutions. 21 Easily check your VISA transactions online or by phone via LBCDirect. Make a smart use of your account statement as an efficient management tool that allows you to keep tabs on your purchases and expenses organized by purchase category. Request Quickly and easily settle small purchases with Visa paywave. additional cards free of charge regardless of the card you choose!

25 30% $0 MAY Take advantage of a 21-day interest-free grace period on purchases charged to your VISA account. You must then pay the balance due on your account. Register for e-statements free of charge. Account Statement VISA Laurentian Bank Robert Martin Judith Martin 1981 McGill College Montreal QC H3A 3K3 RECEIVE (See page 3) $10 1/6 cards Easily settle your VISA account by mail, telephone, Internet or at bank branches. Seize the opportunity to transfer the balance from your other credit with VISA cheques. 21 Account Overview From March 31, 2010 to April 30, 2010 Account No.: Account This Month s Spending by Category T Reward Zone Robert Martin Judith Martin Credit Limit $6, Credit Available $2, Purchase Annual Interest Rate 19,99% Cash Adv. Annual Interest Rate 19,99% Remittance Slip Return this part with your payment Printed on paper containing 30 % post-consumer fiber, EcoLogo certified and manufactured using biogas. Grocery Pharmacy Motor fuel Telecommunications Restaurant Travel Transportation Cash advances Home Others Pay your next grocery bill with your VISA and pocket $10. See page 3 for details. Robert Martin Judith Martin 1981 McGill College Montreal QC H3A 3K $ % $80 2 % $120 3 % $200 4 % $200 4 % $ % $85 2 % 0 % $ % $ % DUE DATE 25 ACCOUNT BALANCE $4, MINIMUM PAYMENT DUE $ Previous points balance Points earned this period Bonus points earned this period Points redeemed this period Points adjusted this period New points balance During the period Visit: Account No.: AMOUNT PAID PAYMENT METHODS ON REVERSE. Please allow sufficient time for payment to reach our Credit Card Services by the Due Date ABCD 1234 ABCD 1234 ABCD 1234 ABCD 1234 PEACE OF MinD WITH ASSUR-PAYMent CONSEIL Benefit from Assur-payment 22 offered as an option with your VISA card. Guarantee your security and that of your loved ones and enjoy life worry-free! TIP Reimbursement of the minimum Legal assistance payment 23 in the event of loss of Convalescence assistance employment or disability Health assistance Reimbursement of the balance in Domestic assistance case of death 24 This protection for Laurentian Bank VISA cards is underwritten by the the Industrial Alliance, a personal insurance company. Fees of $0.97 per $100 used balance apply.

26 26 visa explore CarD THE PERFECT TRAVEL AND LEISURE COMPANION. Take advantage of a generous point-based program. 3 points on each new bill registered for recurring payments. $1 = 3 points 2 points on travel, transportation and foreign currency purchases. $1 = 2 points 1 point on all other purchases. $1 = 1 point Travel with no blackout dates or restrictions on destinations Total freedom! Redeem your points to settle the cost of a trip booked with the program agency or the agency of your choice (airfare, accommodations, train tickets). 25 Invest and save Grow your savings with Laurentian Bank investment gift cheques 26 or save by settling your VISA annual fees with your points. Choose your reward Discover a variety of gift cheques from over 80 participating merchants or choose from a selection of 350 articles. Comprehensive travel insurance coverage When you re travelling out-of-province or abroad: Medical and hospital care and services up to 31 days 27 Trip cancellation/interruption 28 Collision and damages to a rental vehicle, 48 days included 29 Delayed baggage 28 Public transport vehicle accident 28 Other protections Purchase insurance 30 Extended warranty 31 Zero Liability 32 Convenient paywave technology Annual fee: $110 Interest rate: 19.99% on purchases and 21.99% on balance transfers and cash advances

27 27 visa dollars CarD CASHBACks on everyday purchases. Your regular expenses will earn you a bundle: 3% on recurring payments. Collect 3% cashback on each new bill registered for pre-authorized debits. 2% on groceries and gas. Collect 2% cashback each time you go grocery shopping or fill up on gas. 1% on all other purchases. Collect 1% cashback on whatever else you buy with your VISA DOLLARS card. Collect your cashbacks as you see fit You can collect your cashback as soon as you reach $25. We will promptly credit your cashback to your VISA Dollars account. 33 Easy and flexible, all you need to do is: visit dial Other protections Purchase insurance 30 Extended warranty 31 Zero Liability 32 Convenient paywave technology Annual fee: $49 Interest rate: 19.99% on purchases and 21.99% on balance transfers and cash advances

28 28 visa Black Reward Me card REWARDS TO TREAT YOURSELF. Charge all your daily purchases to your VISA REWARD ME card. No monthly fee 19 Charge at least $350 monthly to your account and we ll reimburse the fee of $3.50. Collect points quickly $1 = 1 point Reward yourself without paying a dime Redeem your points for a variety of gift cheques from over 80 participating merchants or choose from a selection of 350 articles. Grow your savings You can also redeem your points for Laurentian Bank gift cheques. 26 Other protections Purchase insurance 30 Extended warranty 31 Zero Liability 32 Convenient paywave technology Monthly fee: $3.50. No fee when charging $350 in purchases to the account Interest rate: 19.99% on purchases and 21.99% on balance transfers and cash advances Apply online at

29 29 visa Black card USEFUL TO BUILD YOUR CREDIT PROFILE. The VISA BLACK is perfect as your first credit card. No annual fee This economical card is the ideal payment tool for all your purchases. Make your VISA card your foremost method of payment to better group your transactions under the same statement of account. The statement = an indispensable tool Make a smart use of your statement as a financial management tool. Use it to keep tabs on your purchases organized by purchase category. With LBCDirect you can access your VISA account by phone or online. Get peace of mind Zero Liability 32 Convenient paywave technology Annual fee: none Interest rate: 19.99% on purchases and 21.99% on balance transfers and cash advances reduced RATE VISA BLACK card IDEAL TO FINANCE PROJECTS. With this option on the VISA BLACK you can pay later for what you buy today. Made-to-measure financing Save money with a competitive interest rate on credit cards while taking advantage of an excellent method of payment! Benefit from a 12.49% interest rate year-round. Make your life easier Centralize all your purchases and expenses on your credit card: grocery, pharmacy, gas, etc. You can then make a smart use of your statement as an efficient management tool. Annual fee: $30 Interest rate: 12.49% on purchases and 12.49% on balance transfers and cash advances

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31 4 31 My needs, my options There are all kinds of things you can do with money: save it, spend it, borrow it, invest it and even give it away. We ll leave that last part to you, but we have some great options for all the other possibilities. There are several ways to make your money go as far as possible. But the best way to make it is to have well-organized finances. How? By exploring the range of options that can allow you to manage your financial needs better and then make the most of them. Expeditiously. Ideally. There are several ways to make your money go as far as possible.

32 MY ChOiCEs My systematic savings plan The Goal Getter. With a name like that, there can be no doubt that our systematic savings plan has a lot to do with discipline. Financial discipline, that is. To the power of three! Plans Uses Interest rate in force as at: INTerest paid The Organizer To respect an obligation or carry out a short-term project. % Every six months, interest is calculated on the minimum monthly balance. The Dream Builder For long-term planning and to set aside a small cushion. Base rate: Plus incentive bonus % % Every six months, interest is calculated on the minimum monthly balance and the interest rate increases according to the number of payments made within predetermined tiers. The RRSP Goal Getter To spread out your RRSP contribution over the year. % Every six months, interest is calculated on the minimum monthly balance. Special rates for The Organizer plan: $10.00 for terminating a plan before maturity $2.00 for withdrawal, transfer or suspension of monthly payments

33 33 My overdraft protection To cover your upcoming payments (bills, INTERAC, etc.), cheques and direct debits without running short of funds, or for short-term access to ready cash, get Overdraft Protection 12. MAIN FEATURES OF OVERDRAFT PROTECTION Protection offered $250 to $1,500 Fees $5.00 per month of usage (plus the applicable interest charge on the overdraft) No fees if not used 34 My PERSONAL AND EQUITY line of credit Need a little more latitude to manage your affairs? Give yourself credit by getting a line of credit 12! As soon as your application is accepted, you can take advantage of flexible, reliable, ongoing borrowing power that will make it possible for you to finance your various projects or needs as you see fit, up to your limit. MAIN FEATURES OF THE LINE OF CREDIT Personal Equity Amount available $1,500 or more $10,000 or more Monthly repayment provisions Transaction fees Your choice interest only, a percentage of the balance, or a fixed amount. $1.00 per withdrawal, transfer or bill payment 3 at a Laurentian Bank automated banking machine, through LBCDirect or by direct debit $1.00 per cheque $1.25 per withdrawal or transfer at a branch 3

34 34 My simplified transfer service Your pay is deposited into one account, your hydro and telephone bills are automatically paid from a second account in a different financial institution, the mortgage is with yet another that calls for help! Allow us to roll out our Red Carpet Simplified Service that lets you centralize all your preauthorized banking operations into a single account with us. All you have to do is give us the necessary information and we ll take care of the rest! Our Red Carpet Simplified Transfer service includes the following: transfer of preauthorized operations at your former financial institution (direct debit for your public utilities, subscriptions, loan payments, insurance policies, etc.); the modifications schedule, so you can manage your affairs during the transfer; transfer of your pay through a personalized form with your new account number that you can bring to your employer; issue of a request for closing your former account, if you d like. simplified transfer red carpet

35 35 My safety deposit box Do you have jewelry, legal documents, precious souvenirs and other valuable objects that you want to keep safe and sound some place else than at home? Have you thought about renting a safety deposit box? They come in different sizes for prices that vary accordingly, and they are one of the safest ways to store your things 11. And if you have The Gold Service, you re entitled to an annual discount on the rental. When you rent a safety deposit box, you can put as many things into it as it will hold. You can then access it with your exclusive key during your branch s business hours. Sample rental costs of a safety deposit box Small (up to 9.2 sq. in.): $55.00 per year (taxes not included). Large (from 18.1 to 36.8 sq. in.): $ per year (taxes not included). Several other formats and prices are also available. My super statement Its function? To offer you a global profile on a single statement of all the products you have with us: account, loan, mortgage, credit card and line of credit, investments, etc. In short, your whole financial situation at the Bank in a single document. We send it to you free of charge every month or every three months, if you have one of our banking plans 35 such as Transact without limit or The Gold Service plans. Don t have a banking plan? you can still receive The Super Statement every month, every three months or every six months for $2.50 per statement.

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37 5 37 My personal information, my security When it comes to financial operations, especially electronic transactions, your personal information is as vital to your security as your eyes are to your sight. So it s in your best interest to take care of it. Believe us, it s way better to err on the side of caution when you use your contact information, your personal identification number (PIN), a password or any other security code. The rule is simple: never, ever disclose your personal information unless you are sure that it is safe to do so. Totally. Completely. Absolutely. The rule is simple: never, ever disclose your personal information...

38 How my banking operations are protected Client cards You see, your PINs are the keys that open the doors to your bank accounts or the funds available on your credit card. To protect your money, here is a list of the main things to do and not to do when using your client cards. RECOMMENDations TO PROTECT YOUR CLIENT CARDS Always choose a different PIN or password for each of your cards. Choose a PIN or a code that is easy for you to remember, but difficult to guess. Never choose your date of birth, your phone number or any other code of this type. Always memorize your PINs and passwords. Don t write them down anywhere and never give them to anyone. Always keep an eye on your card during an operation and never lend it to anyone. Always shield the keypad when you enter your PIN at a banking machine or on an INTERAC point-of-sale terminal. Check your account and credit card statements regularly. If there are any anomalies, contact us right away. Immediately notify us if one of your cards is lost or stolen. Contact us ASAP if you have any reason to believe the security of your cards or PIN is compromised.

39 39 Protecting my online operations Carrying out transactions online is very practical. But it also takes vigilance. You have to exercise caution here, as well. And not just once over and over! Measures to keep your online operations secure Never send confidential information (account numbers, card numbers, passwords, etc.) by . The Bank never s its clients to ask them for personal or confidential information. To go to your LBCDirect Online Banking Services site, you must always use Laurentian Bank s official website address: Avoid using software that records passwords. Never leave your computer unattended during an LBCDirect session. Always close an LBCDirect session by clicking on the link in the upper-right corner of the screen. Always empty your browser cache after each LBCDirect session. Use a recommended browser with 128-bit encryption. Install efficient antivirus software and a firewall, and update them regularly. Never download software or accept a file attachment when accessing websites, chat rooms or newsgroups unless you are absolutely sure of their authenticity. Disable the computer s file sharing function. Before conducting an online financial transaction with your credit card, ALWAYS make sure that you are on a secure site in the browser s status bar in the lower-right corner of the screen, there should be an icon of a locked lock, and the address of the website should start with the letters https (which confirm that this is a secure site). By double clicking on the lock, you should be able to ascertain the legitimacy of the security certificate issued for it. Transaction actions The more precautions you take, the more verifications you make, the safer your business and the fewer hackers you ll interest!

40 My precautions In addition to anti-fraud precautions, there are general precautions to take in your everyday activities, when using your debit or credit cards or when online. The point is to make vigilance a habit and to take every precaution. PRECAUTIONS TABLE General or everyday precautions Specific precautions with debit and credit cards Pay attention to your regular billing cycle. If one of your bills stops being delivered or doesn t arrive as often on its regular date, tell the company concerned. Be careful with your social insurance number. Your social insurance number is a key piece of your identity. Always be sure to take back your debit or credit card after a purchase. Be doubly careful on trips, where the consequences of a memory lapse could be even more disagreeable. Always check that the card returned to you is actually yours. Check the amount of any bill before signing it. Never leave your receipts or bank statements lying around, especially not in the car, not even in a locked glove compartment. Register your bills and bank statements in the online electronic statement service. They will be less vulnerable to retrieval by a dishonest individual. Trust your instincts. If a place seems shady to you, pay cash or don t buy anything if you don t have cash on hand. Sign the back of your credit cards as soon as you receive them. Immediately report any loss or theft. Do not use a banking machine that looks abnormal or that offers questionable or unfamiliar options. Choose a personal identification number (PIN) that is easy to remember but that has nothing to do with your date of birth, telephone number or your children s personal information. Memorize your PIN. Do not write it on your card or on any paper that you keep with you. Not even in code, for example by adding a 1 to every number (e.g., for ). A code can be figured out. Never lend your cards or give your PIN to anyone. Change your PIN regularly. keep your receipts and check that the transactions carried out on your account are those you actually made. Make a list of all your credit card numbers and keep it in a safe place. It s practical in case of loss, theft or fraud.

41 41 PRECAUTIONS TABLE (cont.) Internet precautions Use passwords that are easy to memorize but difficult to guess. Never write down your passwords anywhere especially not in your computer memory and never give them to anyone. Change your passwords regularly. Install antivirus software, antispyware and a personal firewall on your computer. Update them regularly. Regularly update your browsers (Explorer, Firefox, etc.) and operating system (Windows, Mac OS, etc.). The updates help resolve security vulnerabilities. Before opening a session to perform a financial transaction on a website, make sure that the site is secure. If it is, there will be an icon of a locked lock on the right side of the browser s status bar and the page s address will start with https//. As soon as your session is completed, don t forget to end it by clicking on the link for this purpose ( end of session, log out or something similar).

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43 6 43 My complementary info, my contacts There are also lots of other things to know about money management and banking matters. Like what to do to open an account. Like how much it costs to do this or that transaction. Like to whom to speak when you want to make a complaint or a comment. We are committed to transparency and to keeping you informed to the best of our ability, so don t hesitate to contact us if you need more information. Promptly. Conscientiously. There are lots of other things to know, don t hesitate to contact us!

44 My account application form The first thing to do when you want to manage your money is obviously to open an account at a financial institution. Would you like to open an account? Come see us, and be sure to provide the following information to complete your application 36 : your contact information; your date of birth; your occupation; an original, valid, undamaged piece of identification from Group A; one other piece of identification from Group A and B, or a reference from a client in good standing with us, or a reference from a person with a good reputation in the community where the branch in which you do business is located. ACCEPTED PIECES OF IDENTIFICATION Group A Your driver s license if issued in Canada, as permitted to be used for identification purposes under provincial law Your Canadian passport Your Canadian Citizenship or Certification of Naturalization, in the form of a paper document or card but not a commemorative issue Your Permanent Resident card or your Citizenship and Immigration IMM 1000 Form, if issued before June 28, 2002, otherwise your IMM 5292 Form if issued after June 28, 2002 or IMM 1442 Form Your birth certificate if issued in Canada Your Social Insurance Number card issued by the Government of Canada Your Old Age Security card, issued by the Government of Canada, which displays your Social Insurance Number Your Certificate of Indian Status Identification card issued by the Government of Canada Your provincial or territorial health insurance card, as permitted to be used for identification purposes under provincial law Your identity card issued by a provincial government authority or their successors that can serve as your identification the card must bear your photograph and signature Group B Your employee identity card issued by an employer that is well-known in the community, bearing your photograph A bank, client or automated banking machine card issued by a member institution of the Canadian Payments Association in your name, or bearing your name, and signed by you A credit card issued by a member institution of the Canadian Payments Association in your name, or bearing your name, and signed by you A client card from The Canadian National Institute for the Blind (CNIB) bearing your photograph and signature Your foreign passport

45 45 Cashing my federal government cheque or Minister of Finance cheque Have a cheque or other payment instrument from the federal government or Finance minister to cash, but you re not a client with us? Come to one of our branches and we ll be glad to cash it for you, without delay and at no charge if you are a private individual, provided that the cheque is in your name and in the amount of $1,500 or less 37. You must identify yourself in one of the following three ways. 1. By presenting an original, valid, undamaged piece of identification from Groups A and B, with the photograph and the signature specimen of the individual making the request. 2. By presenting two pieces of identification from Groups A and B. 3. By presenting one piece of identification from Groups A and B, accompanied by a reference from a client in good standing with us, or a reference from a person with a good reputation in the community where the branch in which you do business is located. Please note that only beneficiaries can cash a cheque or similar item, and only if the cheque or item in question has not been changed or altered. We also reserve the right not to cash the cheque or item if we have reasonable grounds to believe that a fraud or crime has been committed with it. The holding periods on my funds The Bank puts a hold on all cheques and instruments ( Instrument ) deposited to your account via an automated banking machine or at the counter of the Bank s branches. Instrument drawn on a financial institution s branch located in Canada Deposit at the counter of the Bank s branches:» Instrument under $1,500: maximum hold period of 4 business days;» Instrument of $1,500 and more: maximum hold period of 7 business days. Deposit at the Bank s automatic banking machine:» Instruments under $1,500: maximum hold period of 5 business days;» Instruments of $1,500 and more: maximum hold period of 8 business days. Instrument drawn on a financial institution s branch outside Canada and Instrument in foreign currency» Instrument drawn from the United States and Instrument in U.S. currency: maximum hold period of 20 business days» Instrument drawn outside Canada and the United States and Instrument in foreign currency: maximum hold period of approxi mately 30 business days EXTENDED HOLD In certain circumstances, the hold period may be extended, regardless of the financial institution on which the Instrument is drawn. The following describe the circumstances under which the Bank may hold funds for longer periods that those stated above:» Your account has been open for less than 90 days;» Anomalies with the Instrument require further investigation;» The Instrument has been endorsed more than once;» The Instrument is stale-dated.

46 Fees for my banking services 38 The Bank offers you a host of services for your banking affairs, for different fees. Here is a full list. If you have one of our banking plans, some of these fees may be included in your plan s fixed monthly fee. Where applicable, the term «account» used in this section refers to both personal bank accounts and the personal line of credit described in section 4.1. Account service fees for an account with a bankbook: $2.25/month Administration fee applicable to each payment, information request and disclosure made by a third party in relation to administrative or legal proceedings, as per applicable laws (e.g. seizure, bankruptcy, alimony) $10.00 Annual interest on authorized or unauthorized overdraft 22% Certified cheque At the request of a client $10.00 At the request of a non-client $15.00 Cheque or direct debit without sufficient funds (NSF) $65.00 Cheques to send monthly Account with statement only $0.35 /cheque (min. $3.25) Cheque or direct debit without sufficient funds paid by the Bank $5.00 Cheque drawn on a non-chequing account $6.50 Closing an account Open for 90 days or less $20.00 Open for more than 90 days No charge Debit card remplacement» As of the 2 nd remplacement during the same calendar year: $5.00 per additional card Dormant account No transactions carried out for at least one year.» If the client responds to the inactive account notice within the 90-day limit No charge» If the client doesn t take action on the inactive account notice within the 90-day limit for the first dormant year $15.00 from the 2nd to 4th dormant year $30.00/year from the 5th to 8th dormant year $40.00/year for the 9th dormant year $45.00/year (If the balance is less than the amount to be collected, the charges correspond to the remaining balance. Note that a line of credit account with a credit balance that s inactive for more than 36 months (3 years of inactivity) will be charged fees based on the above grid.) Fee to copy a safe deposit box key $30.00/key Fees for payment of public utility bills At a branch, by a client with an account $2.00 At a branch, by a client without an account $3.00 At a Laurentian Bank automated banking machine or with LBCDirect $0.60 At a branch, from a VISA account at another financial institution $2.00 (When paying a bill at the branch, at an ABM or through LBCDirect, withdrawal fees related to the account apply in addition to any bill payment fees, if applicable.) Fund transfer via LBCDirect Internet free Information on your account balance At a Laurentian Bank ABM or through LBCDirect No charge By a phone call to the branch $4.00 INTERAC Direct Payment $1.00/transaction Item received by mail for deposit to an account $5.00 Notice for non-payment of a safety deposit box 1 st notice $ nd notice $ rd notice $30.00 Official cheque $1,000 or less $7.50 More than $1,000 $10.00 Payment at the branch of a VISA account from another financial institution $2.00 Postdated cheque $5.00 Printing or reprinting an account statement $3.25/statement Printing of a partial statement (record of previous 10 transactions) 39 $1.00/statement Rental of a safety deposit box upon closure of an accountor at the request of a non-account holder Annual rent + $20.00 Request to transfer an account to another financial institution $20.00 Research related to an account Within 90 days of the transaction date $5.00/item 90 days or more after the $40.00/hour transaction (min. $20.00, taxes not included)