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Web Site Usage

Important notice:

This notice governs the use of the Laurentian Bank Securities Web site(s) ("Site"). Please read it carefully before accessing our Site(s) online.

If you access and use this Site, you accept and agree to be bound by and comply with these terms ("Terms"). If you do not accept the Terms, do not use the Site.

Information Purposes Only

The content of the Laurentian Bank Securities - www.lb-securities.ca; www.vmbl.ca; client.vmbl.ca; ti.vmbl.ca; cebl.vmbl.ca; lbdb.vmbl.ca - Web site(s) (the "Web site" or the "Site") is provided for information purposes and online discount trading purposes. Unless otherwise indicated, the Site does not constitute an offer to purchase or sell the products or services of Laurentian Bank Securities, its subsidiaries or its affiliates ("Laurentian Bank Securities"). This information is not intended as specific investment, financial, accounting, legal or tax advice for any individual and should not be relied on as such. If you choose to access the Site from another province or from outside Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. If you are not a resident of Canada, you should not consult the Site. The products and services described on pages of the Site are available only in jurisdictions where they may be legally offered for sale. Moreover, all products and services are subject to the terms and conditions of the various agreements specific to each one.

Accuracy and Change of Information

Information and materials provided on the Site are believed to be accurate when posted. Despite its best efforts, however, Laurentian Bank Securities cannot guarantee that they are accurate or complete or that they will be current at all times. The information, material and content provided in the pages of the Site may be changed at any time without notice. Changes may also be made to the Terms at any time without notice. You agree to review the Terms regularly and your continued access or use of the Site will mean that you agree to any changes. Furthermore, Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a computer.

Service Interruptions and Termination of Service

Laurentian Bank Securities has the right to modify, interrupt or terminate at any time parts or features of its service, such as content, hours of availability or hardware compatibility to access or use the service. You agree that we may suspend or terminate your access to the service for any reason and without prior notice. Laurentian Bank Securities cannot be held responsible for inconvenience or loss as a result.

Security of Transactions

Laurentian Bank Securities adheres to the principles adopted by the Canadian Bankers Association with respect to the protection of personal information. In addition, it uses the most secure encryption techniques presently available to ensure the confidential nature of the information it exchanges with you. However, complete confidentiality in the transmission of data via e-mail or any other means is not yet possible over the Internet. The Internet is not a secure medium and privacy cannot be ensured. Laurentian Bank Securities will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us and that information subsequently becomes lost or public through no fault of ours.

Confidentiality of Client Information

Laurentian Bank Securities adheres to the principles adopted by the Canadian Bankers Association with respect to the protection of personal information. We are committed to protecting the security and confidentiality of personal and financial information within the internal/external computer systems and Web server(s) hosting our Site. You will be protected against fraudulent activity resulting from a breach in computer security for which you are not responsible provided that you accept your part in the responsibility, including safeguarding your password and preventing unauthorized use of your accounts. Laurentian Bank Securities shall not be responsible for damages arising from improper use or fraudulent use of your password, user identification and account number.

Calculators, Tools and Inventories

Calculation or projections from inventories or other sources are provided for general illustrative purposes only. Unless otherwise specified, they are not warranted to be accurate or complete.

No Warranties

While every effort is made to ensure that the information and materials contained on the Site, including text, graphics, links to other Internet resources or other items are accurate, they are provided on an "as is, where is" basis. No warranty of any kind, implied, expressed, or statutory is given by Laurentian Bank Securities in conjunction with the information and materials including, without limitation, the accuracy, adequacy, timeliness, merchantability, operation, non-infringement, usefulness, completeness, reliability and fitness for a particular purpose or completeness of the information and materials and Laurentian Bank Securities expressly disclaims liability for errors or omissions in this information and materials. Further, Laurentian Bank Securities does not represent or warrant that the Site will be at all times available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and for taking reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

No Liability

Under no circumstance will Laurentian Bank Securities be liable to you or anyone else for any damages whatsoever (including without limitation direct or indirect, special, incidental, or consequential, exemplary or punitive damages, losses or expenses) arising in connection with the Site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data, any unauthorized use or reproduction of the Site or the information or otherwise, even if Laurentian Bank Securities, or its representatives are advised of the possibility of such damages, losses or expenses.

No Endorsement of Hyperlinks

Links to other Web sites from the Site (or references to products, services or publications other than those of Laurentian Bank Securities) are for convenience only and are at your own risk. No endorsement of any third-party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this Site. Such products, services or information are not investigated, verified, monitored, or endorsed by Laurentian Bank Securities. You are responsible for taking the necessary precautions to detect possible viruses and for ensuring that any software program accessed through one of the links offered on the Site is compatible with your computer. You must also ensure that you have up-to-date backup copies of the entire contents of your hard disk before installing software downloaded from these links.

Trademarks

Certain names, graphics, logos, icons, designs, words, titles or phrases on this Site may constitute trade names, trademarks or service marks of Laurentian Bank Securities or its subsidiaries of which Laurentian Bank Securities or its subsidiaries is an authorized user. Use of trademarks on this Site does not necessarily presume that a license of any kind has been granted. The and \u2122 symbols designate "registered trademark" and "trademark" respectively. The trademarks are distinguished from one another and accompanied, at first-time use, with the appropriate trademark symbol: /\u2122/*. These symbols are keyed to their respective legend, which describes the owner or licensee of the trademark: Registered trademark of Laurentian Bank Securities. /\u2122 Trademark of Laurentian Bank Securities./* Laurentian Bank Securities, licensee of trademark.

Proprietary Information

The information contained in the pages of the Site is the sole property of Laurentian Bank Securities and is for your personal use only. All information on the Site is protected under the copyright laws of Canada and in other countries. This information may not be reproduced, in whole or in part, without the express written consent of Laurentian Bank Securities. Unauthorized public or commercial use, downloading, storage in any medium, retransmission, redistribution or other reproduction or modification of trademarks or information contained on the Site is prohibited and may be a violation of such laws, including trademark or copyright laws and could subject the user to legal action.