3 laurentian bank: a Winning combination of solidity and agility 6 our Responsibility to our clients 11 our Responsibility to communities 16 our business Practice and Management Responsibilities 19 our Responsibility to our employees 23 appendices 1, 2, 3, 4, 5 and 6 2 2 MESSAGE FROM THE PRESIDENT AND CHIEF EXECUTIVE OFFICER the excellent results posted by laurentian bank in 2009 are attributable in large part to the loyalty of its clients, the confidence of its shareholders, and to the dedicated efforts of its employees.