For Laurentian Bank Visa Infinite*, Laurentian Bank Visa* Cashback and Laurentian Bank Visa* Reward Me credit card:

• Purchases: 20.99%
• Balance transfers (non-promotional rate): 21.99%
• Cash advances : 22.99%

For Laurentian Bank Visa* Reduced Rate credit card:

• Purchases and balance transfers (non-promotional rate): 12.49%
• Cash advances: 13.99%

For all Laurentian Bank Visa* cardholders:

No interest is charged on purchases appearing on your account statement for the first time if there is no outstanding balance from a previous account statement and if the account is paid in full by the due date indicated on the account statement. Only cash advances or balance transfers charged to the account will bear interest from the day the cash advance is granted or the balance transfer is charged to the account until the date the interest-bearing balance is repaid in full. If there is an outstanding balance from a previous account statement or, if there is a new balance which has not been paid in full by the due date indicated on the account statement, interest will be charged on the interest-bearing balance in the following manner:

a) On the amount of any purchase, from the day it is charged to the account (date of entry on the account statement) until the date the interest-bearing balance is repaid in full; and

b) on the amount of any cash advance or balance transfer charged to the account, from the day the cash advance is granted or the balance transfer is charged to the account until the date the interest-bearing balance is repaid in full.

Promotional annual interest rate for the Laurentian Bank Visa Infinite*, Laurentian Bank Visa* Cashback and Laurentian Bank Visa* Reward Me:

For balance transfers 2.99%

This promotional rate is applicable for the first 9 months from the day the balance transfer is posted to your Visa* account. This promotional rate does not apply to other cash advances. Balance transfers must be completed within the first 50 days following the date printed on the card carrier that you received.

A minimum amount of $400 must be transferred to the account in order to take advantage of this promotional rate. You will lose this promotional rate and your interest rate on balance transfers will be 21.99% if you:
i) do not make your minimum payment on later than on the due date indicated on your monthly statement; or
ii) do not abide by the terms and conditions outlined in the Agreement.

This annual interest rate will be applicable, as of the first day of the next statement period after the default, to any new balance transfers charged to your account and to all remaining balances (for balance transfers).

This promotional rate offer is only available to clients who request a new credit card with Laurentian Bank. Existing Laurentian Bank Visa* cardholders and those who request a credit card product change and authorized users are not eligible for this offer.

Annual interest rates for instalment plans:

If you choose to convert an eligible purchase into an instalment plan, interest will be charged on that instalment plan at the interest rate you agreed to in the relevant terms and conditions.

If you reside in Quebec, your minimum payment corresponds to 5% of the account balance at the end of the period (excluding purchase amount converted to an instalment plan).

If you reside in Canada, and outside Quebec, your minimum payment corresponds to 3% of the account balance at the end of the period (excluding purchase amount converted to an instalment plan).

For all Laurentian Bank Visa* Cardholders:

If applicable, your monthly minimum payment will also include any current monthly instalment amounts related to instalment plans, as indicated on your monthly statement.

In all cases, any unpaid minimum amount from previous months, if applicable, will be added to your minimum payment indicated on your current statement of account.

If at any time you change your address from Quebec to another province or territory in Canada, the minimum payment will be updated to that which applies to jurisdictions outside Quebec within ten (10) business days of the date Laurentian Bank of Canada receives notice of the change in address.

If at any time you change your address from another province or territory in Canada to Quebec, the minimum payment will be updated that which applies to Quebec within ten (10) business days of the date Laurentian Bank of Canada receives notice of the change in address.

In all cases, any unpaid minimum amount from previous months, if applicable, will be added to your minimum payment indicated on your current statement of account.