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"A Family Tradition for 133 Years" PORT PERRY STAR - Tuesday, February 23, 1999 - 15 LAURENTIAN BANK MAKES INVESTING EASY ~~ With the March 1st deadline fast approaching, now is the time to think about investing. But with all the different options available, how do you know which is right for you? The Laurentian Bank has the expertise to help clients sort through the options and 'make good, financially sound choices that suit their needs. "The right investment should be based on the clients goals," explained Beverley Durham, Senior Manager, and Mutual Fund Representative. "Whether they're trying to buy their first home, planning for their first child, saving for a child's education or for their LAURENTIAN BANK'S managers are available to meet and discuss investment choices at the client's convenience. At the Port Perry location are Donna Samis, (middle) and Cheryl Thurston (right). Also seen here is Manager of Operations for both Port Perry and Uxbridge sites, Susan Webb (left). own retirement, at Laurentian Bank we have the expertise to show them how it can be accomplished," she stated. Between two area branches, in Port Perry and Uxbridge, Laurentian Bank has six Mutual Fund Representatives on staff and four fully qualified account managers; Darlene Dale, Cheryl Thurston, Donna Samis and Cindy Young. "As account managers, out job is to encourage people to ask themselves how much money they have to save in order to reach their future goals, without losing sight of how they want to live in the present," Cheryl said. In Uxbridge are Account Managers Cindy Young and Darlene Dale along with Senior Branch Manager, Beverley Durham. 1 Brock Street East, Uxbridge Ontario L9P 1P6 Tel: (905) 852-3383 Fax: (905) 852-6208 LAURENTIAN BANK OF CANADA The Laurentian Bank offers Mutual Fund RRSPs, monthly RRSP savings, Self-Directed RSP, RSP GICs, RSP Loans (at prime minus one per cent), Stock Indexed GIC RSP's, Group RSP's as well as a variety of non-registered products and services. a : : The new Action GIC's being offered at the Laurentian Bank lets investors earn the potentially high returns of a stock market,while protecting their principal from market declines. The Multi-Rater GIC benefits clients with a guaranteed rate of five per cent in the first year, and a guaranteed rate of 4.85 per cent for five years. Plus, it is redeemable on each anniversary date starting the second year. No need to worry about market trends! Whether a client chooses a monthly investment plan - starting at as little as $10 per week, or sets up a personal portfolio, sound investment decisions are determined by a number of factors including income tax considerations and the level of risk the investor is willing to take. It is important for clients to sit down with an account manager, to discuss their situation and goals. The more information that is supplied, the account manager will be better equipped to offer advice on what products best suit their needs. When investing in Mutual Funds in particular it is important for the client to invest the time needed to complete a Personal Portfolio Planner with the account manager. This « ensures the client is investing at a"comfortable level of risk while maintaining the all" important aspects of Promotional Investments - (Minimum $500) 19 Month Redeemable 4.000 Cashable - 0 to 30 days - 0.00% 31 to 365 days - 3.25% 366 to 574 days - 3.50% 575 to 585 days - 4.00% Promotional Investments (Minimum $500) 18 Month Renewable (GIC) 4.500 18 Month Renewable (RRSP) - 4.750 Product can be reinvested without penalty after 90 days in another GIC of the same term, or longer than the remaining term. Multi-Rater GIC Can be reinvested in another GIC for an equal or longer term on Anniversary dates. This product is fully redeemable. Posted Rate # 1year 2Years 3 Years 4 Years 5 Years { 5.000 4.500 4.750 5.000 5.000 2 Redeemable Blended Rate "4 1 Year 2 Years 3Years 4 Years 5 Years 4750 4.750 4.812 Program Suits You? For more information call one of our Account Managers PORT PERRY 985-8435 UXBRIDGE 852-3383 diversification. "No two people are the same, everyone is different and unique. The same is true when it comes to investing money," explained Cindy. : Overall, clients are becoming more knowledgeable about investing and banking services, but those who are unfamiliar with the terminology needn't feel intimidated. "It's no different when | go into a car dealership. I need someone to sit down with me and explain my options, their benefits and their drawbacks," said Darlene. Both the Port Perry Branch at 165 Queen Street and the Uxbridge Branch at 1 Brock Street East, have extended banking hours from Feb. 22 to March 1 to better accommodate busy schedules. Account managers will be available at both locations until 8 p.m. Monday to Friday and 10 a.m. to 5 p.m. Saturday. "We're here to meet our clients on their time. Even though our doois indicate we are closed, we're not. After hours appointments can be arranged," Donna said. Until March 15, the Laurentian Bank of Canada is offering a cashback on four and five year non-registered GICs. Renewing a GIC for a four or five year term will earn clients a one per cent cashback. Those who transfer new money into a four or five year GIC will receive a two per cent cashback. Clients who increase their existing GIC at the time of renewal or transfer a GIC from another institution will be eligible to enter a contest to double their money, up to $50,000!! For a limited time, the Laurentian Bank mortgage sale is offering a one or two per cent cashback on new mortgages, or a discount on the current mortgage rate. Some conditions apply. For more information, or to set up an appointment with an account manager call the Laurentian Bank . today. The Action GIC Earn the potentially high returns, of a rising stock market, while protecting your principal from market declines: 4.850 Term tffective Matunty Participation Minimum Date Promotions: #7 Cashback - We offer a cashback on a 4 and 5 year ¥ non-registered GICs. If you renew your GIC into a 4 or 5 year GIC you receive 1 cashback. If you transfer new money into a 4 or 5 year GIC you will receive a 2% cashback. (GICs must be at posted rates). Do you haveé an investment at Laurentian Bank which will each maturity by March 31, 1999? Take advantage of renewing your deposit in order to increase its value and enter the "Double the fruits of your labour" contest: transfer your GICs held at other financial institutions, or increase the amount of your current investment. LAURENTIAN BANK OF CANADA 165 Queen Street, Port Perry, Ontario LIL 1B8 Tel: (905) 985-8435 Fax: (905) 985-0328 a I I I eg a Wm