Executive Officers

2005 Laurentian Bank Executive ofﬁcers 101

EXECUTIVE OFFICERS

MEMBERS OF THE MEMBERS OF THE William Galbraith Pierre Minville MANAGEMENT COMMITTEE PLANNING COMMITTEE Vice-President, Senior Vice-President, Commercial Banking Risk management, Raymond McManus Marcel Beaulieu Mergers and Acquisitions President and Vice-President, Mario Galella Chief Executive Officer Product Management Vice-President, Marc Paradis Retail Financial Senior Vice-President, Robert Cardinal Yassir Berbiche Services, North Strategic Planning Senior Executive Vice-President, Senior Vice-President and West Montreal and Control Finance, Administration and Treasurer and Strategic Development Michel Gendron Yves Ruest and Chief Financial Officer Luc Bernard Vice-President, Vice-President, Executive Vice-President, Corporate Banking, Finance and Administration Bernard Piché Retail Financial Services Quebec and Chief Financial Senior Executive Vice-President, Officer, Laurentian Bank Treasury, Capital Markets and Louise Bourassa Paul Hurtubise Securities Inc. Brokerage Senior Vice-President, Senior Vice-President, Administrative Services Real Estate Financing Claude Sasseville Lorraine Pilon Vice-President, Executive Vice-President, Denise Brisebois Rick C. Lane Retail Financial Services, Corporate Affairs, Human Senior Vice-President, Vice-President, East Montreal and South Shore Resources and Secretary Human Resources Real Estate Financing, and Mortgage Development Ontario Réjean Robitaille François Desjardins Al Spadaro Senior Executive Vice-President, President and Chief Chantal Lauzon Vice-President, Business Retail and Commercial Executive Officer, B2B Trust Vice-President, Development, B2B Trust Financial Services Taxation Jean-François Doyon Eva Stamadimos André Scott Vice-President, André Lopresti Vice-President, Human Executive Vice-President, Internal Audit Vice-President Resources and Chief Commercial Financial Services and Chief Accountant Risk Officer, B2B Trust Philippe Duby Senior Vice-President, Michel Garneau Michel C. Trudeau Real Estate Management Vice-President, President and Chief Executive and Chief Information Officer Retail Financial Services Officer, Laurentian Bank Quebec, Eastern Quebec Securities Inc. Richard Fabre and Mauricie Vice-President, Raymond Trudeau Retail Financial Services, Louis Marquis Senior Vice-President, North Shore, Downtown Senior Vice-President, Retail Services, Laurentian Montreal and Western Quebec Credit Bank Securities Inc. 102 Branches 2005 Laurentian Bank

BRANCHES

Alma Laval 7705, av. Papineau Rouyn — Noranda 500, rue Sacré-Cœur O. 928, Autoroute 13 5059, av. du Parc 24, rue Perreault E. 928, Autoroute Chomedey O. 1430, rue Poirier, Saint-Laurent Amos Saguenay 233, boul. Curé-Labelle 1100, boul. René-Lévesque O. 1, 1ère Avenue O. 1611, boul. Talbot, Chicoutimi 3387, boul. Dagenais O. 936, rue Sainte-Catherine E. 3460, boul. Saint-François, Jonquière Baie Comeau 510, boul. des Laurentides 8090, rue Saint-Denis 1220, av. du Port, La Baie 600, boul. Laflèche 750, rue Montrose 391, rue Saint-Jacques 3870, boul. Notre-Dame 4080, rue Saint-Jacques Saint-Bruno de Montarville Belœil 1899, boul. René-Laennec 3730, boul. Saint-Laurent 690, montée Montarville 706, boul. Laurier 1995, boul. Saint-Martin O. 7192, boul. Saint-Michel 335, boul. des Promenades Blainville 4600, boul. Samson 8930, boul. Saint-Michel Saint-Constant 1356, boul. Curé-Labelle Longueuil 2490, rue de Salaberry 400, route 132 9, boul. de la Seigneurie 2836, chemin Chambly 1805, rue Sauvé O. Sainte-Marie-de-Beauce Boucherville 4, rue Saint-Charles E. 801, rue Sherbrooke E. 16, rue Notre-Dame N. 999, boul. Montarville 6250, boul. Cousineau 6615, rue Sherbrooke E. 5925, boul. Payer 12050, rue Sherbrooke E. Sainte-Thérèse-de-Blainville Brossard 3700, boul. Taschereau 5651, rue Sherbrooke O. 95, boul. Labelle 1635, boul. Rome 1291, boul. Shevchenko, Lasalle 81, rue Turgeon Maniwaki Campbell’s Bay 6640 av. Somerled 111, boul. Desjardins Saint-Eustache 148, rue Front 1447, av. Van Horne, Outremont 250, boul. Arthur-Sauvé Mascouche 4790, av. Van Horne Côte St-Luc 848, montée Masson 5501, av. Verdun, Verdun Saint-Georges 5479, av. Westminster 8945, boul. Viau, Saint-Léonard 11400, 1ère Avenue Mont Laurier Chateauguay 4214, rue Wellington, Verdun 476, rue de la Madone Saint-Hyacinthe 111, boul. Saint-Jean Baptiste Murdochville e 5915, rue Martineau 530, 3 rue Montréal 601, 5e rue 4945, rue Beaubien E. Saint-Jean-sur-Richelieu Dolbeau — Mistassini 6593, rue Beaubien E. New Carlisle 605, Pierre-Caisse 1372, boul. Wallberg 4155, rue Bélanger E. 168, boul. Gérard-D.-Lévesque Saint-Jérome Dollard-des-Ormeaux 5900, rue Bélanger E., Saint-Léonard New Richmond 900, boul. Grignon 4057, montée Saint-Jean 290, rue Chabanel O. 228, boul. Perron 3500, boul. des Sources 8262, boul. Champlain, Lasalle Saint-Lambert 4135, rue D’Amiens, Montréal Nord Nicolet 400, av. Victoria Dorval 6225, av. Darlington 92, place 21 mars 325, av. Dorval Saint-Raymond 865, boul. Décarie, Saint-Laurent Ottawa 300, rue Saint-Joseph Drummondville 5159, boul. Décarie 1021 Cyrille Road 571, boul. Saint-Joseph 88, boul. Don Quichotte Sept-Îles 885, rue Fleury E. Paspébiac 770, boul. Laure Fort Coulonge 2200, rue Fleury E. 120, boul. Gérard-D.-Lévesque 532, rue Baume Sherbrooke 10451, boul. Gouin O., Port Daniel 2637, rue King O. Gatineau Pierrefonds — Roxboro 10, route 132 4857, boul. Bourque, Rock Forest 139, boul. de l’Hôpital 5501, boul. Henri-Bourassa E., 75, du Plateau Montréal Nord Québec Sorel — Tracy 770, boul. Saint-Joseph 8595, rue Hochelaga 999, rue de Bourgogne 831, route Marie-Victorin 136, boul. Jacques-Bizard, Île Bizard 510, boul. Charest E. Granby Terrebonne 7050, rue Jarry E., Anjou 1221, Charles-Albanel 40, rue Évangéline 1035, boul. des Seigneurs 4725, rue Jarry E., Saint-Léonard 580, Grande Allée E. Grand-Mère 790, rue Jarry O. 8000, boul. Henri-Bourassa Thetford Mines 531, 6e Avenue 10, rue Jean-Talon E. 2600, boul. Laurier 222, boul. Frontenac O. 5355, rue Jean-Talon E., Saint-Léonard 2700, boul. Laurier Grenville Trois-Rivières 555, rue Jean-Talon O. 1275, Chemin Sainte-Foy 240, rue Principale 425, rue des Forges 6651, boul. Joseph-Renaud, Anjou 3930, boul. Wilfrid-Hamel O. 4450, boul. des Forges Joliette 9095, rue Lajeunesse 3333, boul. du Carrefour 373, rue Notre-Dame 8410, boul. Langelier, Saint-Léonard 5401, boul. des Galeries Val d’Or 6525, boul. Léger, Montréal-Nord 872, 3e Avenue Lachute Repentigny 6500, av. de Lorimier 470, rue Principale O. 150, boul. Iberville Vaudreuil — Dorion 2937, rue Masson 910A, boul. Iberville 43 Cité des Jeunes La Prairie 8646, boul. Maurice-Duplessis, 995, boul. Taschereau Rivière des Prairies Rimouski Valleyfield 6270, boul. Monk 320, rue Saint-Germain E. 187, Victoria 1981, av. McGill College Roberval Victoriaville 1100, av. du Mont Royal E. 773, boul. Saint-Joseph 403, boul. Jutras E. 8787, boul. Newman, Lasalle 1675, rue Notre-Dame, Lachine Rosemère Westmount 3720, rue Ontario E. 401, boul. Labelle 4848, rue Sherbrooke O. 2005 Laurentian Bank Ofﬁces, subsidiaries and afﬁliated companies 103

OFFICES

Laval 7705, av. Papineau Rouyn — Noranda AGRICULTURAL Markham Granby LBC TRUST 928, Autoroute 13 5059, av. du Parc 24, rue Perreault E. FINANCING 11 Allstate Parkway 20, Place du Lac Montréal 928, Autoroute Chomedey O. 1430, rue Poirier, Saint-Laurent Drummondville Suite 430 1981, avenue McGill College Saguenay Kamouraska 233, boul. Curé-Labelle 1100, boul. René-Lévesque O. 571, boul. Saint-Joseph 20e étage 1611, boul. Talbot, Chicoutimi Mississauga 622, rue Elzéar 3387, boul. Dagenais O. 936, rue Sainte-Catherine E. 3460, boul. Saint-François, Jonquière Granby 989 Derry Road E. 510, boul. des Laurentides 8090, rue Saint-Denis Laval MICRO-BUSINESS 1220, av. du Port, La Baie 40, rue Évangéline Suite 303 750, rue Montrose 391, rue Saint-Jacques 2525, boul. Daniel-Johnson Alma 3870, boul. Notre-Dame 4080, rue Saint-Jacques Saint-Bruno de Montarville Lachute Montréal Bureau 500 500, rue Sacré-Cœur O. 1899, boul. René-Laennec 3730, boul. Saint-Laurent 690, montée Montarville 470, rue Principale 255, boul. Crémazie E. Longueuil Montréal 1995, boul. Saint-Martin O. 335, boul. des Promenades Bureau 1100 7192, boul. Saint-Michel Saint-Hyacinthe 1111, rue St-Charles O. 425, boul. de Maisonneuve O. 4600, boul. Samson 8930, boul. Saint-Michel Saint-Constant 5915, rue Martineau Montréal — Major accounts Bureau 350 Bureau 105 Longueuil 2490, rue de Salaberry 400, route 132 1981 McGill College avenue Saint-Jean-sur-Richelieu Montréal Québec 2836, chemin Chambly 1805, rue Sauvé O. Suite 1670 Sainte-Marie-de-Beauce 605, boul. Pierre-Caisse 1981, avenue McGill College 2600, boul. Laurier 4, rue Saint-Charles E. 801, rue Sherbrooke E. 16, rue Notre-Dame N. Québec Bureau 100 Bureau 25 6250, boul. Cousineau 6615, rue Sherbrooke E. Sainte-Marie-de-Beauce 2700, boul. Laurier Sainte-Foy 5925, boul. Payer 12050, rue Sherbrooke E. Sainte-Thérèse-de-Blainville 16, rue Notre-Dame Nord Québec Bureau 2287 3700, boul. Taschereau 5651, rue Sherbrooke O. 95, boul. Labelle 2600, boul. Laurier Victoriaville Sainte-Foy PRIVATE BANKING 1291, boul. Shevchenko, Lasalle 81, rue Turgeon Bureau 2280 Maniwaki 403, boul. Jutras E. Montréal 6640 av. Somerled Sherbrooke Sainte-Foy 111, boul. Desjardins Saint-Eustache 1981, avenue McGill College 1447, av. Van Horne, Outremont 2637, rue King O. 250, boul. Arthur-Sauvé B2B TRUST Saint-Jean-sur-Richelieu Mezzanine South Tower Mascouche 4790, av. Van Horne Toronto — Head Office Saguenay 100, rue Richelieu 848, montée Masson 5501, av. Verdun, Verdun Saint-Georges 130 Adelaide Street W. 1611, boul. Talbot Bureau 150 REAL ESTATE FINANCING 8945, boul. Viau, Saint-Léonard 11400, 1ère Avenue Mont Laurier 3nd Floor Bureau 100 Calgary 4214, rue Wellington, Verdun Toronto 476, rue de la Madone Saint-Hyacinthe Chicoutimi 1122 — 4 Street SW 130 Adelaide Street W. Murdochville 5915, rue Martineau COMMERCIAL FINANCING Suite 450 Montréal e 601, 5 rue INTERNATIONAL Sainte-Thérèse-de-Blainville 4945, rue Beaubien E. Saint-Jean-sur-Richelieu Drummondville Kitchener SERVICES 212, boul. Labelle 6593, rue Beaubien E. New Carlisle 605, Pierre-Caisse 571, boul. St-Joseph 10 Duke Street W. Montréal Bureau 102 4155, rue Bélanger E. 168, boul. Gérard-D.-Lévesque Suite 100 Saint-Jérome Gatineau 1981, avenue McGill College 5900, rue Bélanger E., Saint-Léonard New Richmond 900, boul. Grignon 770, boul. Saint-Joseph Bureau 1750 LAURENTIAN TRUST Montréal 290, rue Chabanel O. 228, boul. Perron Hull OF CANADA INC. 1981, McGill College 8262, boul. Champlain, Lasalle Saint-Lambert Markham (Ontario) Montréal Mezzanine 4135, rue D’Amiens, Montréal Nord Nicolet 400, av. Victoria Kitchener 11 Allstate Parkway 425, boul. de Maisonneuve O. 6225, av. Darlington 92, place 21 mars 10 Duke Street W. Suite 430 Ottawa Saint-Raymond 865, boul. Décarie, Saint-Laurent 1021 Cyrville Road, Ottawa 300, rue Saint-Joseph Laval LBC CAPITAL II INC. 5159, boul. Décarie LAURENTIAN BANK Unit 9 1021 Cyrille Road 1991 Boul St-Martin O. Montréal 88, boul. Don Quichotte Sept-Îles SECURITIES INC. Bureau 105 1981, avenue McGill College Toronto 885, rue Fleury E. Paspébiac 770, boul. Laure Cornwall 20e étage 130 Adelaide Street W. 2200, rue Fleury E. 120, boul. Gérard-D.-Lévesque Longueuil 55 Water Street W. Sherbrooke 3nd Floor 10451, boul. Gouin O., 4, rue St-Charles E. Suite 385 Port Daniel 2637, rue King O. LBC FINANCIAL Pierrefonds — Roxboro Vancouver 10, route 132 4857, boul. Bourque, Rock Forest Drummondville SERVICES INC. 5501, boul. Henri-Bourassa E., 700 West Georgia Street 645, boul. Saint-Joseph Montréal Montréal Nord Québec Sorel — Tracy Suite 603 Bureau 100 425, boul. de Maisonneuve O. 8595, rue Hochelaga 999, rue de Bourgogne 831, route Marie-Victorin Bureau 105 136, boul. Jacques-Bizard, Île Bizard 510, boul. Charest E. Terrebonne 7050, rue Jarry E., Anjou 1221, Charles-Albanel 1035, boul. des Seigneurs 4725, rue Jarry E., Saint-Léonard 580, Grande Allée E. 790, rue Jarry O. 8000, boul. Henri-Bourassa Thetford Mines 10, rue Jean-Talon E. 2600, boul. Laurier 222, boul. Frontenac O. 5355, rue Jean-Talon E., Saint-Léonard 2700, boul. Laurier Trois-Rivières 555, rue Jean-Talon O. 1275, Chemin Sainte-Foy 425, rue des Forges 6651, boul. Joseph-Renaud, Anjou 3930, boul. Wilfrid-Hamel O. 4450, boul. des Forges 9095, rue Lajeunesse 3333, boul. du Carrefour 8410, boul. Langelier, Saint-Léonard 5401, boul. des Galeries Val d’Or SUBSIDIARIES AND AFFILIATED COMPANIES 6525, boul. Léger, Montréal-Nord 872, 3e Avenue Repentigny 6500, av. de Lorimier 150, boul. Iberville Vaudreuil — Dorion Carrying value 2937, rue Masson of voting shares Percentage 910A, boul. Iberville 43 Cité des Jeunes As at October 31, 2005 Principal owned by the Bank (1) of voting shares 8646, boul. Maurice-Duplessis, Name ofﬁce address ($000) owned by the Bank Rivière des Prairies Rimouski Valleyfield 6270, boul. Monk 320, rue Saint-Germain E. 187, Victoria 1981, av. McGill College B2B Trust Toronto, Canada $177,123 100% Roberval Victoriaville 1100, av. du Mont Royal E. 773, boul. Saint-Joseph 403, boul. Jutras E. Laurentian Trust of Canada Inc. Montreal, Canada $ 65,425 100% 8787, boul. Newman, Lasalle LBC Trust Toronto, Canada $ 44,654 100% 1675, rue Notre-Dame, Lachine Rosemère Westmount 3720, rue Ontario E. 401, boul. Labelle 4848, rue Sherbrooke O. Laurentian Bank Securities Inc. Montreal, Canada $ 24,682 100% LBC Financial Services Inc. Montreal, Canada $ 1,918 100% LBC Capital II Inc. Montreal, Canada $ 18,067 100% 4327853 Canada Inc. Montreal, Canada $ 79,806 100% Brome Financial Corporation Inc. Montreal, Canada $ 6,812 51%

(1) The carrying value of voting shares is stated at the Bank’s net equity in these investments. 104 Shareholder information 2005 Laurentian Bank

SHAREHOLDER INFORMATION

Head office Valuation day price Change of address Direct deposit service Tour Banque Laurentienne For capital gains purposes, and inquiries Shareholders of the Bank may, 1981 McGill College Avenue the market value of Laurentian Shareholders should notify by advising the Transfer Agent Montreal, Quebec H3A 3K3 Bank common shares on the Transfer Agent of a in writing, have their dividends Tel.: (514) 284-4500 ext. 5996 Valuation day, December 22, change of address. Inquiries deposited directly into an Fax: (514) 284-3396 1971, adjusted for the stock splits or requests may be directed account held at any financial of July 1983 and January 1987, to the Secretary’s Office at institution member of the Telebanking Centre, was $3.72. Head Office or by calling Canadian Payments Association. Automated Banking (514) 284-4500 ext. 7545. and customer service: Transfer agent and Registrar This Annual Report was (514) 252-1846 Computershare Trust Investors and analysts produced by the Public Affairs, (Montreal region) Company of Canada Investors and analysts may Communications and Investor No charge dial: 1500 University Street contact the Investor Relations Relations Department of 1-800-252-1846 Suite 700 Department at Head Office Laurentian Bank. Website: Montreal, Québec H3A 3S8 by calling (514) 284-4500 www.laurentianbank.ca ext. 7511. Vous pouvez recevoir un Telex: 145069 Ombudsman’s office exemplaire français de ce Swift Code: BLCM CA MM Laurentian Bank of Canada Media rapport annuel en faisant Tour Banque Laurentienne Journalists may contact parvenir votre demande Annual meeting 1981 McGill College Avenue the Public Affairs and par écrit à : The Annual Meeting of 14th Floor Communications Department Banque Laurentienne the Shareholders of the Montreal, Québec H3A 3K3 at Head Office by calling Tour Banque Laurentienne Bank will be held on Tuesday, (514) 284-7192 (514) 284-4500 ext. 7511. 1981, avenue McGill College, March 7, 2005, at 9:30 a.m., at 1-800-473-4782 20e étage the Impérial, 1430 rue de Bleury, Montréal (Québec) H3A 3K3 Montréal, Québec H3A 2J1.

STOCK SYMBOL AND DIVIDEND PAYMENT

The common and preferred shares indicated below Stock Symbol Dividend Dividend are listed on the Toronto Stock Exchange. Code CUSIP Record Date* Payment Date*

Common shares 51925D 10 6 LB First business First business day of: day of: January February April May July August October November Preferred shares Series 9 51925D 87 4 LB.PR.D ** March 15 Series 10 51925D 86 6 LB.PR.E ** June 15 September 15 December 15

* Subject to the approval of the Board of Directors. ** On such day (which shall not be more than 30 days preceding the date fixed for payment of such dividend) as may be determined from time to time by the Board of Directors of the Bank. Printed in Canada PRINTING: TRANSCONTINENTAL LITHO ACME PHOTOGRAPHS ON PAGES 3 AND 4: STÉPHANE DUMAIS PHOTOGRAPHS: PIERRE MANNING, SHOOTSTUDIO.CA WWW.NOLIN.CA

DESIGN:

C3 995304A