RRSP season: Laurentian Bank is offering savers four options to meet their investment needs

RRSP season: Laurentian Bank is offering savers four options to meet their 
investment needs 
MONTREAL, Jan. 30, 2014 /CNW Telbec/ - RRSP season is here, and Laurentian 
Bank is offering four vehicles designed to meet the needs of savers of all 
types, regardless of their investor profile, risk tolerance, age, or their 
plans for the future. 
Contribute in a Flash… to avoid the RRSP period crush(1) 
For the undecided investor, or those short on time but who wish to obtain an 
attractive rate now, the Contribute in a Flash promotion would be a smart 
choice. This product offers an annual rate of 3% for a three-month Guaranteed 
Investment Certificate (GIC), thus enabling savers to earn interest by 
contributing now, while avoiding the rush at the peak of the RRSP period. By 
investing immediately, they can take the time to analyze their financial 
situation thoroughly and make enlightened decisions in line with their 
financial objectives. Admissible for Registered Retirement Savings Plans 
(RRSPs) and Tax-Free Savings Accounts (TFSAs), savers can take advantage of 
this offer by investing a minimum of $500 or transferring the amount to 
Laurentian Bank from another financial institution. 
Duo GIC… for the best of both worlds combining return with guaranteed 
capital(2)
Designed for investors looking for portfolio diversification, but who also 
want a guaranteed return, the Duo GIC provides the best of both worlds. 
Offered with a five-year term and featuring an attractive potential return, a 
portion of which is assured, 50% of the investment is made in a Canadian 
Growth ActionGIC (Mackenzie All Cap Dividend Class - LB Series), while the 
other half is invested in a non-redeemable GIC at the exceptional rate of 3%. 
The Duo GIC's guaranteed annual return is 1.5%. 
2% Cashback… to benefit from an immediate return on the investment(3)
The 2% Cashback promotion offers savers an enhanced return on their 
investments in the form of cash back of up to 2% on new investments 
transferred to Laurentian Bank for a period of five years (1% for investments 
transferred and maintained at the Bank for three years). Valid for all 
transfers into registered (RRSP, LIRA, RIFF, TFSA) and non-registered 
accounts, this offer is an excellent way for savers to quickly grow their 
estate. 
Three-year GIC with a potential return of up to 12%… to take full advantage 
of the Canadian business market(4)
This product represents an excellent means of benefiting from the performance 
of Canadian companies, while guaranteeing capital like all other types of 
GICs. The large majority of securities held allows for portfolio 
diversification, optimization of the potential return, and the reduction of 
risk. The Canadian Growth ActionGIC — a guaranteed-capital investment whose 
performance is based on that of Mackenzie Canadian All Cap Dividend Class -LB 
Series funds — offers a maximum return of 12% for a three-year term, in 
addition to investing in a broad range of dividend-paying Canadian stocks, 
including high-yield securities and preferred shares. It is admissible for 
both registered (RRSP, TFSA, RRIF, LIF) and non-registered accounts, and it 
requires a minimum investment of $500. 
To take advantage of these offers during the RRSP season, savers are being 
invited to consult a Laurentian Bank branch advisor, or to call the Bank's 
Client Service Department at 1 800 252-1846. 
About Laurentian Bank
Laurentian Bank of Canada is a banking institution whose activities extend 
across Canada. Recognized for its excellent service, proximity and simplicity, 
the Bank serves one and a half million clients throughout the country. Founded 
in 1846, it employs some 4,000 people whose talent and dedication has made it 
a major player in numerous market segments. The institution has $34 billion in 
balance sheet assets and more than $37 billion in assets under administration. 
Laurentian Bank distinguishes itself through the excellence of its execution 
and its agility. Catering to the needs of retail clients via its extensive 
branch network and constantly evolving virtual offerings, the Bank has also 
earned a solid reputation among SMEs, larger businesses and real estate 
developers thanks to its growing presence across Canada and its specialized 
teams in Ontario, Québec, Alberta and British Columbia. For its part, the 
organization's B2B Bank subsidiary is a Canadian leader in providing banking 
and investment products and services to financial advisors and brokers, while 
Laurentian Bank Securities is an integrated broker that is also widely known 
for its expert and effective services nationwide. 
______________________________   
(1) As at December 31st, 2013, the posted annual interest rate for the 3-month 
GIC is 0.25%. The posted annual interest rate for the 3-month GIC will be 
increased by 2.75%. To take advantage of this offer, a minimum of $500 must be 
invested or transferred from another financial institution in an eligible 
savings account between January 1st, 2014 and March 3rd, 2014. Eligible 
savings accounts include a Registered Retirement Savings Plan (RRSP) and a 
Tax-free Savings Account (TSFA). Investment renewals and other GICs held with 
the Laurentian Bank and its subsidiaries are not eligible to this offer. When 
transferring investments from another institution, the annual interest rate 
shall be the posted rate upon receiving the funds. To be eligible to the added 
interest, funds must be received between January 1st and March 3rd, 2014. 
Annual Interest rate. Simple interest is calculated and paid at maturity. This 
promotion is offered only through Laurentian Bank branches and Telebanking 
Centre representatives. This offer is not available through B2B Bank, 
SME-National account subsidiaries or with other brokers. Some conditions 
apply. This offer and the GIC rates are subject to change at any time without 
notice. This offer cannot be combined with any other offer or promotion. For 
details, please contact an advisor. 
(2) The DUO GIC is composed of 50% of a Canadian Growth ActionGIC 5 years and 
50% of a GIC for a period of 5 years. The participation to the rate of return 
for the 5-year Canadian Growth ActionGIC is in effect from January 20(th) to 
Mat 26(th), 2014 inclusively. It is not an annual rate. The total rate of 
return will equal to 70% of the return of the benchmark index for that period. 
The benchmark index is based on the Mackenzie Canadian All Cap Dividend Class 
(Series LB) fund. The amount invested is guaranteed, but there is no 
guaranteed minimum return. The interest payable on the 5-year Canadian Growth 
ActionGIC is based on the performance of the benchmark index on the date the 
investment is issued and on the three calculation dates indicated in the 
purchase agreement times the participation rate. All fluctuations in the 
benchmark index will affect the final return, which can be known only when the 
investment has matured. Past performance is not an indicator of future 
performance.
The rate of the 5 year GIC is an annual interest rate. Compound interest is 
calculated and compounded annually and paid at maturity. These offers are not 
available at B2B Bank, at the SME-National account subsidiaries or with other 
brokers. Certain conditions apply. The offers and the GIC rates are subject to 
change at any time and without notice. This offer cannot be combined with any 
other offer or other promotion. For more information, contact an account 
manager. 
(3) Certain conditions apply. A cashback of 1% is paid if the amount 
transferred and the cashback is maintained in the client's account for three 
(3) years. A cashback of 2% is paid if the amount transferred and the cashback 
is maintained in the client's account for five (5) years. This offer does not 
apply to amounts transferred to a demand deposit. The amount transferred and 
the corresponding cashback must remain in a Laurentian Bank account in 
accordance with the blackout periods, otherwise a penalty equal to the 
cashback will be charged to the client's account. The blackout period begins 
on the date the investment is issued. The payment, which can reach a maximum 
of $20,000 per client, is made in Canadian funds from a Laurentian Bank 
Tactical account. To take advantage of this offer, please visit a branch or 
call your advisor. The Bank reserves the right to terminate or change this 
offer at any time, without notice. Please visit a branch for details. The 
client is entirely responsible for any tax consequences resulting from the 
payment, which is taxable if paid to a non-registered account. To take 
advantage of this offer, you must sign a transfer agreement between January 
1st and March 3, 2014. This offer applies to all transfers of funds, whether 
registered or non-registered. Transfers must be made no later than May 31, 
2014. 
(4) The rate for the 3-year Canadian Growth ActionGIC is in effect from 
September 16, 2013 to April 14, 2014 inclusively. It is not an annual rate. 
The total rate of return may not exceed the maximum rate of 12% over three 
years. The maximum annual compound rate is 3.850% and is subject to change at 
any time. The amount invested is guaranteed, but there is no guaranteed 
minimum return. The interest payable on the 3-year Canadian Growth ActionGIC 
is based on the performance of the benchmark index on the date the investment 
is issued and on the three calculation dates indicated in the purchase 
agreement. The benchmark index is based on Mackenzie Canadian All Cap Dividend 
Class (Series LB). All fluctuations in the benchmark index will affect the 
final return, which can be known only when the investment has matured. Past 
performance is not an indicator of future performance. All 3-year Canadian 
Growth ActionGICs purchased between September 16 and September 25 will be 
issued on October 28, 2013. Those purchased between October 28 and December 6 
will be issued on December 9, 2013. For funds purchased between December 9 and 
January 17, January 20 and February 28, or March 3 and April 11, the issue 
dates are January 20, March 3 and April 14 respectively. For more information 
on the 3-year Canadian Growth ActionGICs, please speak with an advisor at your 
branch. Certain conditions apply. This offer cannot be combined with any other 
promotion. The Bank reserves the right to terminate or change this offer at 
any time, without notice.
 

SOURCE  Laurentian Bank of Canada 
Mary-Claude Tardif Public Relations Advisor 514 284-4500, extension 4695 
mary-claude.tardif@banquelaurentienne.ca 
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CO: Laurentian Bank of Canada
ST: Quebec
NI: FIN FIN ANA  
-0- Jan/30/2014 11:30 GMT
 
 
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