6.3
FEATURES OF STILL-ACTIVE BUT DISCONTINUED BANKING PRODUCTS
Day By Day Interest, Prime Savings, Chequing Savings Chequing Account
Account Service Fees Minimum monthly balance of $3,000 and more:
›› No monthly fees.
Minimum monthly balance of less than $3,000:
›› No monthly fees for an electronic bank statement via epostTM service1,2.
›› $2.00 per month for an account with a paper bank statement1.
›› $2.25 per month for an account with a bankbook.
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 epostTM service1,2.
›› $2.00 per month for an account with a paper bank statement2.
›› $2.25 per month for an account with a bankbook.
Transaction Fees Minimum monthly balance of $3,000 or more:
›› No fees for the following transactions: withdrawals, transfers, cheques and direct debits.
Minimum monthly balance of less than $3,000:
›› $1.00 per withdrawal or transfer 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 branch3.
›› $1.00 per withdrawal or transfer 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 branch3.
One free transaction per month for a Laurentian Bank personal loan or mortgage payment.
À la Carte Account Calculation and payment of
interest Calculated on the daily closing balance and paid twice yearly, on April 30 and October 31.
Fixed monthly plan fee $15.00 plus interest on any advance, if applicable.
49
FEATURES OF STILL-ACTIVE BUT DISCONTINUED BANKING PRODUCTS
The TimeSaver Plan
Validity criterion You must have signed up for the plan before December 28, 2006.
Specifics6 Fixed monthly fee of $10.85 for 35 free transactions41 per month among the following:
›› Transfers and bill payments via LBCDirect and Laurentian Bank ABMs.
›› Withdrawals at Laurentian Bank automatic banking machines.
›› Cheques and direct debits.
›› INTERAC® Direct Payment7.
» Electronic bank statement via epost™ service1,2: Free.
›› Paper bank statement2: $2.00/month.
» Bankbook: $2.25/month.
›› Free monthly statement, The Super Statement.
The SuperSaver Plan
Validity criterion You must have signed up for the plan before December 28, 2006.
Specifics6 Fixed monthly fee of $13.85 for 45 free transactions per month among the following:
›› Transfers and bill payments at the branch, with LBCDirect or at Laurentian Bank ABMs.
›› Withdrawals at Laurentian Bank ABMs or at the branch.
›› Cheques and direct debits.
›› INTERAC® Direct Payment7.
» Electronic statement via epost™ service1,2: Free.
›› Paper statement2: $2.00/month.
» Bankbook: $2.25/month.
Other privileges available
on request8 ›› No collection fees on public utility bill payments at the branch.
›› Overdraft Protection with no monthly user fees9.
›› $15.00/order of 100 personalized cheques, “Exclusive” model (regular price on other models) (taxes extra).
›› $15 discount on annual safety deposit box rental11.
›› Continue to benefit from a 1% rebate until your loan is fully repaid, if applicable.
›› Free monthly statement, The Super Statement.
MY ACTIVE PRODUCTS THAT ARE NO LONGER OFFERED BY THE BANK
FEATURES OF STILL-ACTIVE BUT DISCONTINUED BANKING PRODUCTS
Day By Day Interest, Prime Savings, Chequing Savings Chequing Account
Account Service Fees Minimum monthly balance of $3,000 and more:
›› No monthly fees.
Minimum monthly balance of less than $3,000:
›› No monthly fees for an electronic bank statement via epostTM service1,2.
›› $2.00 per month for an account with a paper bank statement1.
›› $2.25 per month for an account with a bankbook.
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 epostTM service1,2.
›› $2.00 per month for an account with a paper bank statement2.
›› $2.25 per month for an account with a bankbook.
Transaction Fees Minimum monthly balance of $3,000 or more:
›› No fees for the following transactions: withdrawals, transfers, cheques and direct debits.
Minimum monthly balance of less than $3,000:
›› $1.00 per withdrawal or transfer 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 branch3.
›› $1.00 per withdrawal or transfer 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 branch3.
One free transaction per month for a Laurentian Bank personal loan or mortgage payment.
À la Carte Account Calculation and payment of
interest Calculated on the daily closing balance and paid twice yearly, on April 30 and October 31.
Fixed monthly plan fee $15.00 plus interest on any advance, if applicable.
50
FEATURES OF STILL-ACTIVE BUT DISCONTINUED BANKING PRODUCTS Senior Citizen Program
Validity criterion You had to be age 60 or older when you signed up for the program before October 1, 2001.
Specifics6 ›› No transaction or account maintenance fees apply to your personal account if it is a Senior Citizen Account, Operations Account, Chequing Account or Chequing Savings Account (the only eligible accounts), regardless of whether you carry out your transactions at a branch, a Laurentian Bank banking machine or through LBCDirect.
›› Lets you carry out the following transactions free of charge: withdrawals, cheque transfers, direct debits and bill payments.
›› Lets your spouse, regardless of age, enjoy all the program benefits provided you have a joint account.
Other privileges available
on request8 ›› $15.00/order of 100 personalized cheques, «Senior Citizen» model (regular price on other models) (taxes extra).
›› Money orders (in CDN and USD), official cheques and certified cheques at no charge.
›› No service charge on standard format American Express® Travelers Cheques.
›› 1% discount on service charges for American Express Cheques for Two®.
›› No charge for the repurchase of foreign currency less than $1,000.
›› $5.00 discount on the rental of a safety deposit box11. The Senior Citizen Program - Indispensable Option
Validity criterion You must be aged 60 or more and have signed up for the plan before December 28, 2006
Specifics6 ›› All the advantages of the program extend to your spouse, regardless of age, provided you have a joint chequing account.
Fixed monthly fee of $7.50 for 45 free transactions per month among the following:
›› Withdrawals, transfers and bill payments at a Laurentian Bank automated banking machine or branch, or by LBCDirect; cheque and direct debit; INTERAC® direct payment7.
›› Lets you take advantage of no account maintenance fees, your choice of a monthly electronic bank statement via epostTM service1, a paper bank statement2 or a bankbook and the monthly statement and the Super Statement.
Other privileges available
on request8 ›› Overdraft Protection with no monthly user fees9.
›› $15.00/order of 100 personalized cheques, «Exclusive» model (regular price on other models) (taxes extra).
›› Official cheques, certified cheques and money orders (CAN and USD).
›› American Express® Travelers Cheques, with a single signatory, at no charge and a 1% discount on service charges for Cheques for Two®.
›› Repurchase of foreign currency up to $1,000 at no charge.
›› Free stop payments (complete information provided by the client).
›› $15 discount on annual safety deposit box rental11.
›› A 1% reduction on the interest rate in effect for fixed-or variable-rate personal loans12.
›› A $150 discount on fees upon transfer of a mortgage to Laurentian Bank12 ,13.