INVESTMENTS

LBC Financial Services Inc.

LBC Financial Services Inc. (LBCFS) offers mutual funds, deposit products and financial planning services to our Laurentian Bank customers since 1994.

Everything you need to know.

Our mission.

Our team of specialized investment representatives are here to help you manage your portfolio and improve your financial well-being. Our representatives will:

thoroughly assess your personal and financial situation to offer the right consulting services;
provide personalized recommendations; and
create a custom plan.

Our representatives adhere to the regulations governing mutual funds and financial planning, so you can have confidence that they’re looking out for your best interests.

What is a conflict of interest?

A conflict of interest includes any situation where:

the interests of different parties such as a client, LBCFS or a representative are opposed.
a representative may be influenced to put their interests ahead of the client’s.
the monetary or non-monetary benefits available to LBCFS or a representative, or the potential harm to which they may be subject, could compromise the trust that a customer has in LBCFS or its representative.

Policies and procedures.

We’ve put in place policies and procedures to ensure that we avoid any potential conflicts of interest that may arise when working with you. We’re dedicated to addressing conflicts of interest with responsible business judgment, always keeping your best interests our top priority. Where conflict is unavoidable, we’ll let you know in writing, taking reasonable steps to address the situation.

Material conflict of interest.

If we, LBCFS or our representatives, end up in a position of material conflict of interest, we’ve put in controls to ensure that these conflicts are thoroughly reviewed and addressed. Material conflicts of interest are described in the Relationship Disclosure Document (PDF, 1.4 MB). This document is provided to you when you open an account.

Registration.

LBCFS is:

registered in all provinces as a Mutual Fund Dealer.
registered in Quebec with the Autorité des marchés financiers in financial planning.
a member of the Mutual Fund Dealers Association, which has jurisdiction in the Canadian provinces outside of Quebec.

Comments, suggestions or complaints.

Your satisfaction is our top priority. That’s why we've put in place ways to receive your comments on our policies and service quality. This helps us respond to your problems and concerns quickly and take the necessary steps to get them resolved.

If you have comments or complaints about our services, fees or how we handle your personal information, go to the resolving your complaints page.

Go to CIRO website

Let's connect.

Laurentian Bank: Laurentian Bank of Canada, Laurentian Trust of Canada Inc., B2B Bank, LBC Trust, LBC Financial Services Inc., Laurentian Bank Securities Inc. and B2B Trustco are all part of Laurentian Bank.

LBC Financial Services Inc. ("LBCFS") is a subsidiary of Laurentian Bank of Canada ("Bank"). LBCFS is a corporate entity separate from Laurentian Bank, B2B Bank Financial Services Inc., B2B Trustco, and any other issuer.

Pricing in effect as of December 1, 2024, except the charges for “Private Banking fee-based accounts” (the “fee-based accounts”) which have been in effect since December 17, 2018. All fees are subject to applicable taxes. LBCFS may change the fees that apply to the different services at any time by posting a notice in Laurentian Bank branches, at Laurentian Bank automated banking machines, on our website or on your statement. These changes will come into effect sixty (60) days after notice is first posted or, in the case of a statement, within sixty (60) days of the date on which the statement with new pricing is sent. You acknowledge that by using your account after the effective date of the changes, you consent to the changes made.
No withdrawal fees for RRIFs or LIFs.
This type of plan is offered exclusively to certain existing group RRSPs.
The interest rate on cash in accounts (all account types) may be changed.
Does not apply to fee-based accounts. Refer to the “Fee-based accounts” section.
The Annual service fees will not be charged to accounts that hold a pre-authorized payment plan for contributions to mutual funds of at least $600 per year.
Value of portfolio as at September 30.
The fee-based accounts are subject to a monthly minimum of $12.50, plus taxes, for each account.
This account type is offered exclusively to Private Banking clients who have more than $250,000 invested in mutual funds with LBC Financial Services Inc. and have agreed to sign up for the Private Banking fee-based accounts. Certain accounts could be combined to calculate fees if at least $500,000 in eligible mutual funds are invested. Refer to Private Banking for more information about fee-based accounts.
The fee percentage charged will be applied to an account upon purchase of a fee-based fund (LF and LF5 series).
These fees apply only to Private Banking fee-based accounts holding LF or LF5 series funds.

INVESTMENTS

LBC Financial Services Inc.

Everything you need to know.

Our mission

Accounts and investments

Service fees

About Investor Access

Our mission.

What is a conflict of interest?

Policies and procedures.

Material conflict of interest.

Registration.

Comments, suggestions or complaints.

Let's connect.

Book a meeting.

Find a branch.

Give us a call.

Legal