!"#$%&'( Better Banking Guide

• !"#$

• %&'()*

+,

• -./0(123

(AIR MILES®†)4526

!2008"8#1$%&'

!"#$%&'()*

+,-./0123456-789:;<=>?@

0ABCDEFGHIJAKLMN&OPQ7ER

S6FGTUVW BMO XYZ'( (BMO Bank of

Montreal®) [\]^_`abP-CD01457

!"cd#$%&'()*(Banking Plans)Eefgh

cijklmno6-pZcqrs_bP-%&Q

tfu7vw:)*xyz

1+, !"#$-.!" 2+, !"#$

$%&'() 3+, /0123

1

!"#$%&'()*

() 1+,-%'./0 2

–!"#$%&(Primary Chequing)–!'($%&(Interest Chequing)–!)*'+,-&(Premium Rate Savings)

() 2+,-%12345678 5

– ./!012345&678– 9:;<=>01236?@

() 39:;<= 8

– .A6BCDEFG– HIJKLMN6$%– OPQR

!S1TU&VW45 10

X>YZ[\6]^ 12

_`\6ab 14– cdefg–!hci&(Account Tracker®)–!jkZl&(Direct Deposit)– mnop$qcg– r$QR–!sdi&(PowerSwitch)– tu`a23–!vwa3x`yG&(Personal

Financial Manager Software)

z{23Y<> 17

|}~�6!��012345&

Ycd 21

���� 24

�\�����6�#�3 26

�����6?@ ��

��C����\����./\A#6/�]���\��`��

01 3¡9:¢L6£¤ ¥ ¦§��¨©d.ª«6�¬­?®

¯°±²³´~�6µ¶·¸¹º¯23»

¼½���¾¡¿�À\~�ÁÂ�ÃÄ=>Å�Æ­ÇÈÉÊË�

��ÌÍ1ÉÎÏ�01�����»

!"#$%&'()*+),-. ! /0123456

7869:4;<=>?4;@AB4C?BMO DEFGHIJKLM!NOP),-.Q!RSTUNV

(WXYC

• !FZ[U\2]W^_4;I`abc3*deG

Hf.ghi(Banking Plan)jk 1

• lm!nopqIFrkstGHf. uvwxyz

{6|{7}~

• ��*\eOPGHf.ghi(Everyday Banking

Plan)IF�!��TU ! abc3*df.jk

• ��e�H��i����

• ?*��oj<5�YF9�!��N4;

• lm!nopqIF��r�2��Nf.jk�v

wxyz{15}~

• steB;�i(PowerSwitch®)`�V ! �1*d

��BMO DEFGH�;�FstN�5`rkN

f.�vwxyz{16}~

• ?��stJK��� NeINTERAC ¡¢p£B4i

(INTERAC®* Email Money Transfer) ¤¥W¦�

p£

! "

1 ÐÑ 20v!"#$%&(Primary Chequing)�!'($%&(Interest Chequing) É!)*'+,-&(Premium Rate

Savings) cd��ÒÓ]ÔÕÖ�\.×Ø6!012345&� �´ÙÚAÛqÜÝe<»Þß!0123

45&6àecÝá¬âãâä»

• Saskatchewan GovernmentInsurance

• Department of Service Nova Scotiaand Municipal Relations

• Department of Transportation and

Public Works of the Province of Prince Edward Island

• Department of Service NewBrunswick

• Department of GovernmentServices and Lands of the Provinceof Newfoundland and Labrador

• Department of Transportation ofthe Northwest Territories

• Department of CommunityGovernment and Transportation of the Territory of Nunavut

!"#$ BMO%&'

()*+,-./0

()1234567

89:3;<=>?

@ABCD

3!" #$%&'

• !"#$%&'&()*+,

• -"#$./%&'01234

567(Social Insurance Number

89 SIN) :

• -"#$./%&'0;<347

(Old Age Security) :

• -"#$./%&'0=>?@

A)*+7(Certificate of Indian

Status)

• -B./%&CD!B./EFG

HIJKL@A)*MN'OP3

Q:

• -IRSTUVWX%&DYZ[

'\]^_`'MNU:a

• Insurance Corporation of British

Columbia

• Alberta Registries

• British Columbia Identification (BCID)

8

(A) ()

• -B./Ubc./%&'de

fgZh"#$ijk\lmn

opUqrk\s1

• Zh'"#$t\

• "#$u?:Uvwxy)*+

U)*: (z{aD|}~�)

• "#$op�?:U0"#$

u?^�?���7(Citizenship

and Immigration Canada)' IMM

1000�IMM 1442 U IMM 5292

��

!"#$%&'(%& (personal accounts))*$+,-./0*+EFGH:IJK>LMN BMO %&'()O):PQRSTEFUVWXYZ (personal identification 6[ ID) N!\]V^

_`\abcVdef (A) ()^4g>hicV (A)jVkTlN ID:_mi (B)jVkTnNo5 ID:>NUV'pqcr$s)tiuvwxNyHz{WX:|q}O)k~���

9

(B) !"

!"#$%&'()&*+,-.

,-/012345(678

• 9:;<(=>?"@A45(

BC(=D)&*

• 9 Canadian Payments Association

(EF CPA)(GDHIJK?"

A4L7(MNO

• 9 CPA (GDHIJK?"(;

PO (A4L7)

• 9 Canadian National Institute for

the Blind (EF CNIB) ?"@A4

5(BC(QL7)(*+O

• RSTTUVUW (College)(U

X)&* 2.Y/01A45(

BCZUX[\Q]^_`ab

• 4c(defB

• A47gQ)&hi\b(de

jklB

4mno(pq.rh_s 26tu

1vwxyz (Alberta){|}jklBu 2$~)&*+v�P���RST��(��u

!"#$%&'()*+,-./01,-23456 789

:;1<=>?@ ABCDEFGHIJK.LMNO/0'

,-23P89=QRSTUVWB/XY;'Z[A\]^

_`aNbc.

#$%&'()*+,(- BMO./01234)

�����5��RST��(��.��� $1,500.51��8

• �&� (A)%&V (B)%&���( ID.V

• �5()&9����N:4��;<(��� *+.V9¡¢N�

£¤¥'��;<��(¦§� *+.¨�� (A)%&V (B)%&��

�( ID ©ª«���&.V

• � (A)%&V (B)%&ª«���&A45(BC¬L7( IDu

4mno(pq.rh_s 26tu

5678(Holding of Funds)

4m{­®.rh_¯°±MN²I³´µ(Agreements for EverydayBanking)u

9:;<

BMO ¶·�MN�¸¹º»¼¬½¾5¿¦ÀÁ(ÂÃ.@¹ºÄ5(¿

¦ÀÁ½ÅuÆÇNÈÉÊË�Ìͽ¾��¿¦ÀÁ(ÂÃ.�MNÎ

Ï.½ÅÐÑÒÓ(uÔÕÖ×Ø��¹ºÄ½¾5¿¦ÀÁ(ÂÃÙÚ

Û(½Åܨ.r¸ BMO ¶·�MN¢NÝÞ�&��(¯½¾ÂÃß

¨µ(Privacy Code brochure)Vàá��(âã bmo.com/privacy

10

1 !"#$%&' BMO ()*+,-.! $40/0123456 15789'()*:&;<=>?)@+,-. A(BCDEFG7 2 &HIJKLMNOPQ534RSTAAIR

MILES Reward Option) ;NBMO Mosaik QUVWT7 3 X<=>?YZ[\0V 40%]^;3456_ HIJK"`NBMO Mosaik QUVWT_abc<=>?; BMOde0fPg

h_'i&<=>?;fP)@aNjkfPlmnoT7&;)@HIpqrs_'it&;fP)@uNBMO Mosaik QUVWTavw<=>?;)@];NOPQ5xyz{

|TAAIR MILES Collector Number) HI}~7 !E<=>?;gh_[\��D_�0:&!$���&;N�X��)@T�N����)@T���;de0fP()*_i��

&;NBMO Mosaik QUVWT;+,-.�1Z��3456_���1 10% ;NOPQ5T34567����� bmo.com/airmiles74 ����� bmo.com/business7

!"! #$%&'()*$+

40%,-./01234 !

�&��&;()*i��NBMO Mosaik QUVWT+,-.12NOPQ5T

3456;~�_�&b�JK��Jvw<=>?; BMOde0fPg

h_���� Du¡¢)@�£�¤�� 3_&/K¥¦�Y[\0V 30%

]^;��3456§�¨&©ª«;¬­fPlm;®@_&!$��&

¯°a&;¬­)@4 ±²;#³()i � �#³NBMO Mosaik QUVWT�

´P;+,-._0'!$YZ�� 10%;345637

#567BMO Mosaik 89+:;<=>?$&'@#)*1234A

�&��&;NBMO Mosaik QUVWT2_&;340'µ¶Z·¸7¹�_

�&tª«fPº»&�K;»¼Um�_&¦K·�¥¦12347

BMO !"#$%&'(

()*+,-./%012

34156$%78 BMO

9:+;<=>7*+?

@AB+6CDEFGH

+IB BMO JKL7+

MNOPQR+6341

5STUVUWX"YZG

!"#$%&'()* (AIR MILES®†

Reward Program)BMO !"#$%[,-./%01234159W\9OP – H+IB+6 BMO ]^_ ($%_`\.BMO Mosaik 0abc2(BMOMosaik® MasterCard®+) CDEFdeG

#6BCD<=>?1$&'@#)*1234A

½¾"#NOPQ5Txyz_&K¥¦'&;()*+,-.¿xy34

567!"#$%&'()*+,-.! $40/0'xy3456 157À

I��,� – '()*+,-.¿xy3456¯ÁÂÃÄt&;Njkf

PlmnoT%17XÅÆ��ª«º»&;jk»¼Um_ÇÈR�"#

N�X��T�N����T)@ (���É 2Ê)a"#NjkfPlmnoT

(���É 5Ê)_Ë©ÌÍÎϧ

EFGH@7IJ83;KLM (AIR MILESCollector)?Ð�ÑÒÓÔÕ��Ö×Øairmiles.ca �ÙÚ1-888-AIR-MILES (ÛÜ)7

11

!!" BMO #$%&'(%)*+,,$-.

5 !"#$%&'()*+,-. $15/01234506789:(Gold 1/$15 AIR MILES Reward Opton) (;< $90=>) ?' 6 ()*@ABCDEFGH%IJKLMNOPQRST%UV$WXO'670YWZ[\]-U^_`T%WXO /abcd>JNeYfg/=hUijWklmn'opqrstuUvwx670YyzP{tu|nf}~

oPtu�����'����� bmo.com/airmilesG�o���4��'Uj��W67��.345067?�:(AIR MILES Reward Program)W��`����PQ��j��f�

���m�"�4}~'�LM����';��+ j��'����� airmiles.ca'

9602,5

2401

!"Ur_

x.3450:

670Y

$800

$1200

480

1200#$%&'(!")*+$,-./

/!0(12345*+676$89:;<=

>?@ 1-877-CALL-BMOc0(AB1C'DEFGH bmo.com/airmiles

16806

I;JKL01 40% 234MNOPQRST1UV%WXKL 10% 3,4

¡¢£� ¤¥FC(SavingsAccount)

H£[(Line ofCredit)

¦§¨4ab(Business Banking)

!5d>JN

!"#$%&'()*+

!"#$%&'()*+,-./

%012!3456INTERAC 789

:;<=>?@ABC,D-EF

GHCIMaestro JKDLMNO

5PQ>JKC789:RST

,INTERAC -./01'2(INTERAC Email Money Transfer)

UV BMOWH+XY>JZ6INTERAC

[\](^_;`abcD/d8e

](CfghijCklmnopq

• r](bcsItuv>wxT

• ry:bcsz{h|}d~�T

• r](bcs*��C�*+,

��*-���a��>_BT

• r](bc����Sh���

��h���S�>��e��T

!"#

$%&'# *�"��UVJZ�

�`aC�l��* bc](>

}¡¢£5>[\H¤ 2Cj+UV

¥¦`aT

12

,3456(2

*>6§�XY¨;

(FirstBank® Card)©ª6�«¬­�;(Automated BankingMachine®¯ ABM)h6INTERAC789:;(INTERAC ®* Direct Payment)`ah[°h[±ZJC²³´52

!�µ BMOWH+XY¶YCr*·*>_B¸¹¸Hº»¼½T

,BMO !"782(BMO Direct) –9:;<-=78>?

BMO WH+XY>78��`aCU

V®¾¿ÀC�"Á�Â[°dë

[±ÄÅCj+ij��TUV[°1

DJZ��`aC*+ÆÇÈ 7ÉC

ÆÉ 24ʹ¸¹¸HUVËÌ�Í

Î>XY��Ïз`aTÑtCN

O>6BMO 78��;Ò�+Ó*Ô

Õ2!Ö×C�Ó*PQØÙ��Ú

ÛC,ÜÝ*Þ�>ßà��há:

·â]" T

ã��ßàXYäatåæçè9_

¾h](^_héê_B��,D_

¦ëÀ�ìCí+UV6BMO 78�

�;îïÎVðñ

• ©ª6INTERAC [\](^_;

(INTERAC Email Money Transfer)r]

(^_T

• RòóYèôDtõT

• ö÷6øùúûüý;_BT

• ÷þ6ßàXY`a;ÿÝ!�¾T

• "Rèôhí#H¤]$C %&

'9:T

()$%*BMO +,-./0

– (Ì bmo.comDÃ�6JZ��

`a;(online banking)

– )[n*+,-. 1-800-665-8800

d/,-. 1-800-363-9992hd

– 01 BMOWH+XY2!¶Y

@ABCD EFG ABMsH

BMO WH+XY>6À23;(Instabank®)

�«¬­�+�*¸¹P4'(hé

ê5�>_B��h�:h^_,D

è9_¾TúVNO>6À23;�

«¬­�C*6+,í��7�8C

dÎ9�:5;È>_¦ëÀ]$T

*í+UV*>6§�XY¨;I.

/%012!345 INTERAC <=>

�«¬­�d-EFGH2!345

Cirrus®* d Maestro®# <=>�«¬­

�P4'(T

$%1234567!"#$%&'()*+,-./0123456789&'(:;4

<#=>?)?@ABCD#EF(&G+HIJKL#(MNO

1 <=>�?Z7¹>`a�@ABCDCæçEFGHXY¨CdI[±ÍJæYKL`a,)" M�8NUVJZ��`aT 2 e:}OPI./%QRS(T������`aCD5./%H¤T3 e:}+þU8e6INTERAC [\](^_;>](·V9WVCçXMOIJZrYZ:¦��L[�|\]>./%(T��>XY_B[T4 e:>XY+^_e:}e4WVT

!"# !INTERAC "#$%&'()

*+,-./012,345678

9$%3:

$%&'#!INTERAC "#$%&'(

2;<.=>?@ABCDEFGH

I*J:!"#$%&'()*+,-,

()./012345678

9:;<=>

BMO KLMNOPQRSTLUV

WX 950 YZO7[\NO (InStore)A

]^_`a*bc2%def:g

h2[\NOZOPij7klm

UVnopjAqrFGstu:

epost™‡

vw!BMO DEFGef((BMO

BMO ?@!"AB (BMOGlobal Money Transfer) vw!BMO xy$%&'( (z{ BMO GMT)

efA!+|NOef(

}Personal Banking)^_M~�$%

56���� }Portugal)*+��2

NO'_:�01���IA*�r

�$%��r2 BMO GMT '_A$

%-�p56:r��M�r2ZO

56$%�ArsMP�� BMO �

�����~"��PDEnF5

6:QE��rV!��NOef

� (2�ArsM~w/¡2¢

w56$%����:

BMO £ Millennium Bank ¤��*

¥¦§;¨AMqgh]r`a/

&'�©ªP���2NO]¡2

¢w«&¬$%� Millennium Bank

2'_:­®gh¯°V±©ªM

89 BMO GMT 2���NO$²:

BMO ?@!"ABC0 4

()* +),-BMO ./012345

³V!��NOef

� (2^_

Millennium bcp $7.50

P���´µ Millennium bank 2NO $25.00

¶·¸¢ (Pay-as-you-

go) (¹V!��NOe

f� ()2^_

Millennium bcp $12.50

P���´µ Millennium 2NO $35.00

Online Banking)7 epost«º»�¼¸

r2'½¾vw epostAQRS#f¿

(Canada Post)2À¢DE#ÁefA

rM~PDE9Â�¼¸�cÃ�

Ä�WX 200Å'½AÆ�"��

"ÇoÈ�VÉ"Ê~7ËwÌ:

V± epost2ÍÎ$².ÏÐÑv

w epostA ­Ò�ÓÔ bmo.com DE

FGefAÕÖ×Bill PaymentsØÙ¶

×epost – View BillsØÚÛ:

DINTERACEF=>G(INTERAC Online)

!Interac®* DEef(]+|NOe

f^_`aPDE~!Ü*NOÌ(

Ý¢ÞßpAà8�ªh2 BMO K

LMNO'_¸á2ÕÖ:â¥ef

�;<ãä��IvwAå]æ�r

à8çè� BMO KLMNO4éê

¸á:ëX!Interac DEef(ìO

2Ý¢Þßíî]ï'ÌÝ¢Þß$

ðAÙMñÂ!òOóô(õöô÷

}Íø­ùºÜ 107Ü 11úû:

67#

859:#��r³Òüvw BMO

KLMNO2DEFGefAr³

Mýþvw!InteracDEef(:

;<#ÿrPDEÝ¢ÞßpAr

!PM~V"*#¸áÕÖ:

=>#r$%`a��Gf$²�

Ì&'�Ò�$²()DE*_:

$%&'#!InteracDEef(̀ a

+B,�DEFGef2-@;<

.=>?@:

13

14

!"#$%&!"#$%&'()*+,-./)0$123456%789

:;<=;>?"#$%&'0@A$BCDEFGHIJK%

LMNO.

!"#$%

!"#$!%&'()*+,-.

/01-23456!"78/0

2349:;!'<=*+>?@

*+>A/BCD*+'3EF*

GHI'JKLMNO!PQ&R

ST!'LU16

VWJXBYZ%&*+[\./

01-3]45N^_`!ab'

cdeBfgh!YijOklBMO

mnopqN^rstu bmo.com B

vwxyz{|} 1-800-665-8800

B~{|} 1-800-363-99926

&'!()(Account Tracker)

lBMO V*�q(BMO Account Tracker)

�/G����'p��o��N�

'��!'()p�����/��

�'��6lBMO V*�q����

���c��L.lBMO ���Uq

(BMO Mutual Funds) BlBMO ���

Lq(BMO Term Investments) NB8�

�L. fN¡¢�L£7 $25,000

B#9'¤+6¥'¦§[\¨

• �!'lBMO ���Lq>lBMO �

��Uq#A BMO ©ª"«d()

*+��/01-3]4

• "¬lop��­oq(Financial

Services Manager) '®¯N�!°

±²³F´µ�L¶·

• �!´¸¹�Lº»#¼½!'�

L¾¿QÀ-!'oÁF�Â

• "#7�Ãt9¬:lBMO V*�q

*+LMN8�"ÄÅ.t9ÆÇ

lBMO ���UqAlBMO ���

LqG�6

VWJXBij��lBMO V*�q

¤+N^vwÈ

xyz{|}È1-800-665-8800

~{|}È1-800-363-9992

Brstu b̈mo.com/account_tracker(�JÉÊ(*+'*G

HIËÌ

«d'ÍÎÏÐ>LMF"¯!ÑÒopRÓ'�Ô

7ÃÕ¤+���N!%ÖY'%&()«dLM

!%&*+3E'1-×Y

PQRST;UVW

X>YZ[\]^_;

X<`^ab>?cd

efg0BMO hi1

jklm!nopjk

qrCstJiuT

$op%#&v!.

1%&1-234ZY&/Ø�ÙÚY*+N¡Û*+ÜÝ�ÞD*+6<= ßà�áâãäåÄÅæ��ç1-2349ÙÚY*+6

15

!"#$

!"#$%&'()*+,-./0

12/$3456789:$;<'

(6=>?@AB2*CDE*F%

DGHIJKL"-)*+,1M$

NO9BMO PQ1RSTU2V)

*+,WXY

1.!"#$%&'(

(Overdraft Transfer Service)

• Z[N\]$^_`aHb-%

cBMO Mosaik defgh(BMO

Mosaik® MasterCard) iBj%

cakil>h(Personal Line of

Credit) m@AnH

• opqBrGcsth-u'C

vHwxyB?-z'{GCy

|c}~st��h�c��st�

�h�c��st��h���

{G�y�

2.!)*+,-.((Personal Credit Reserve /0 PCR)

• TU] $500� $2,500J)*+,-��2:"���� 2

• $2,5002�J)*+,-���qB!c)*nHsthJ

cakil>h2

• ��{GCy|�()*�>�$����J PCR �>��

• rGstJ` st¡y�c}~st��h�c��st

��h�c��st��h�

1���

%&'(

¢£¤�1¥+$¦¤�J`§81

¨"©B@A9` ª«J¬A*F

%­®*C¯$J�G-$°1N\

qB±²¢£¤�7³¤�9`´N

\µ:¶-·¸@Am&¹º¤»$

JHb9

)*+,"-./01

*CHI¼�½¾¿x9:$ÀÁI

ÂÃN\µ:Z[ÄÅ*CHIs

t-$ÆÇ*CJHI8&�HI<

Èɹº]$JHb*C9�À$J

ÁIÂÃÊË%ÌÍ BMO PQ1R

SÎSÏÐÑK9

2'ÒÓ@Ô9

16

!"#$%(PowerSwitch)

!"#$%&'()*+ BMO ,

-./01#234!"5#$

26789.:;<=->?@

A9B+CDEFGHIJK7

LMN#*OP2QRSTUN

(VWNXYZ"N)[/\]^

(_`a92bcVd)e"f9

gh2GHi\B]2 BMO,

-./0N#j (!klmno

pN#%qr)8!"#$%s.

tu>9v:wK7LM2x]

"y9v BMO,-./02N

#j8

&'()*+

9.v9z{2 BMO ,-./0

|0e\}~� 7������

�\��PK67����678

• %&'(

��!���$%(American Express®††)

�0Vd.�9S���8

• )*+,

��.�5�P2r���n8

!,-)+.(%(Personal Financial Manager /0 PFM ) 12

!A�K7EP%����&u9O

PK7  +¡¢£.¤¥¦P§

¨©�2ª«¬8­9v��®¯

°±PK672²�e9.:³9

2N#´µ°±�¶f_` Microsoft

Money®## \ Quicken®#*· PFM ��

j8¸¹º»¼ bmo.com [½¾�

�PK67 (online banking)8

17

!"#$%&'!"#$%&'()*+,-./0123456789:

;<=>?@

!"

!#$%&'

!"#$#%&'()*)+,-./#$0123456)789:;<=>?@ABCDE!"()FG*)0

,-*)+HI#$J()KLHIBM01 N)OPQ (point-of-sale) RSET$UVWXYZ()02 1*)[E\]^_`#ab(cd( $1.500 3e%fghijklmn#$o-/0;pqrsD#$Gtijukv-;<=>?@ABCDnw$0

() *+,-./ *01-./ *230456/(Primary Chequing)3 (Interest Chequing) (Premium Rate Savings)

*78()/(Self-serve)()*+,-./

xyz{r^#a /|# $0.65 $0.75 $0.85|#}~�1 $0.65 $0.75 G*)INTERAC ��|# $0.65 $0.75 G*)

01234,-./iXl� $0.65 $0.75 $5.00f��# $0.65 $0.75 $0.85��#ab(@A $0.65 $0.75 G*)#$���� $0.65 $0.75 $0.85

(567#$,-./f��# $0.65 $0.75 $0.85#ab( $0.65 $0.75 G*)#$���� $0.65 $0.75 $0.85

8967#$,-./f��# $0.65 $0.75 $0.85#ab( $0.65 $0.75 G*)

:;<=>=?,-./ $0.75 $0.85 G*)

*98()/(Assisted-service)01234,-./

�#ab(@A $1.00 $1.10 G*)@AB3C BMO DE67F6,-./

i� $1.00 $1.10 $5.00f��# $1.00 $1.10 $1.25#ab(2 $1.00 $1.10 G*)#$���� $1.00 $1.10 $1.25

:;()

;<GHI C JKL,-M/ $2.00 $2.00 $2.00

18

!"

#$%&'

!"#$%&'($)*+,-#$./0123456789#!:;<:=#>

?@=#ABCDEFGHIJK/012345678L>

MN($OPQ*+)#$.45=#R!PQ6S>TUPQ*+)PQVWXAYZQ[\6S>1 ]^_T`*+ab^_cde;#$fghij.Kklm>

!"#$%&' ()*

( ) ( )

+,

-.+/0)&1234#$56 $1.50

+,789:; $10.00

+,<=7>/En3opqrst!uvwxwy $5.00

?@AB+,CDEF%GHIJKL $5.00z{|}S~qe�q��deq*�,-=��

M,N 90OP

JQ+, $20.00

RS (Dormant)+,TU;|�+E������

600L�� �#600��*+�� 2���� $20.00*+�� 5���� $30.00�_��;*+}�

10����Z��I�23 (Bank of Canada) $40.00

=VW8 $3.00

X+ G.+YZ

z&'�*,-#!:)<:=#�

��t�a�m ¡; ¢ $4.50

zm£¤` ¥¦qtE§¨W©

*+)ª�*«

n3�¬;­® ¢ $4.00¯*+}���H° $20.00 ±5²³

-V1

[\-V1]^_L61`a6 $2.50

bc-V (Certified Cheque)¦de´µ_¶· $10.00¦¸de´µ_¶· $15.00

dS.e (Stop payment)~Jde $12.50J¹ºde

(»¼½¾¿qÀ�¶·� $20.00

fgh2AB+,5i,

jc-V $5.00(Z��ÁµÃ)deÄ:)

19

1 !"#$%&'()*+,-./0*+123456789:;<2 =>?@ABCDEFGHIJ<E"KLMDNEOPQDEIJ<3 RSTUVWX4YZR3[\<4 BMO ]^_`aZK4bcdeLfg\AhiE4j%7kO7YZ)l,EImTUV,-fg\AhEn4j%bc7EF<5 0oKCpkqKr;Cst7uv'wCxyO=>?@AB./DEz*IJ<6 Ew4?@AB./EFGHIJ< 7 =>?@AB{y|$EF}o./uEFGHIJ<~� ��~�����Z� BMO EF)IJ*O./�DZ��*IJ<���n�k~�<8 IJ���l $5,000(G����)4����*+[\<9 Y�����^_����qK.���IJ<

! " ! "

!"#$ 1

{��^_!"*+ZK $5.00���� ¡(American Express®††

¢kZK�*]{��^_Z�*+ZK $10.00

%&'()*NSF+,-./01 $42.50 (£¤ZKC¥j¦§Z�^¨ �©^,-)

$234 (Items sent on collection)2

$100.00��$�ªZK $10.00$100.00���«ZK 0.125%,¬­EI $25.00

®¬¯EI $200.00

5#67

5#8967

lb°^ $5.00(IJ±²³©^´µI�*4z*EI)

:;<=>? (PCR)3

¶·¸I $2.50

5#@04A (OPIC) l¹º»C¼�YZ

4,- 4 $5.00½�¾J� PCR¿zÀ4wzÁM PCROIJ±¶·¸I�*4z*EIÃ3

BCDE;

FINTERAC GH&'89I $1.50

J$ (Money orders) KB$ (Drafts)*LMNOPQRST"+5,6,9 $6.50

JO#$ (Official cheque) $5.00

FUVWXYZI(American Express Gift Cheques)Ä��z4ÅÆ 3.00%

GB 7

o"Çowpk4EI $14.00Èow�ÉÊË

o|Ç�}oz[\Ë 0.20%¬­EI $15.00¬¯EI $125.00��Ì ÍIJ $10.00

[\O;]QR/'^67

_ `a!"

Î BMO ÏÐ.pkÑ_�Ò�� $2.50�"=>*+

– ÓÔ®�k 8 $5.00– ÓÔ®¹�ÕÖÐ× 8 $8.50Ò|=>*+ $5.00

20

!"#$%&' ()*

! " ! "

+, BMO -./01234'563

+, BMO 789:;<=!"#$% (INTERAC &') $1.50()$%2 $3.00!"#*()$+ (,-./) 2 $5.00>?@=AB5CDEF!"#$+ $0.50

GHIJ

0123456789:;:<=>?;@ABC8DEFG?HIJK $50 (L!MINO)P

#$&

JK0QR!?S<TUVWXJYZ[\]^_R!XJ` 30a`bcdefgPhi[jk^_JKR!` 60al.mn*op[qrstuvFwxP

KL

0Hyz{|}~N (GST)* /;���N (PST)��E?MI�N�^m���lcde�X����gP

M=NO

���b�YZPQ���8����?�� BMO �/��n.mn��?;��&� bmo.com?;�  BMO �/��n¡¢£D�E¤¥¦§ 1-800-363-9992 ;9)¨¥¦§ 1-800-665-8800��P��©ª«6¬P

(­VW�JK®©(­6¬P1 ¯Qmn®°±²³9:°´#µ8¶·¸P 2 JK°¹K_º» Cirrus&'¼KBMO½£¾�n (BMO Harris Bank) 8uvF P3 ¿ BMOÀÁ�ÂÃ�ÄÅsÆ8VOÇpJKÈXJP

EPQ1RSÉÊË©ÌÍÎÏ6¬Ð 1.25%(­oÑUÒÓr(Cheques for Two™††)ÉÊË©ÌÍÎÏ6¬Ð 1.75%

�ÔXJ $3.00

TUQ1RS¿BMO�/��nÕW=> $3.00ÖnÒÓJK

(o()×[rÖnÒÓØ+)

4'V>?WXYEPQ1RS%Z[\]@^_`&'ÙÚÛS!"#/Ü $8.50

abc1

d'e& >f 2008e g2009e

12h31ij 1h1iklm

µ¶·¸ $40.00 $40.00ݶ·¸ $55.00 $60.00#¶·¸ $80.00 $100.00!#¶·¸ $150.00 $200.00Þ#¶·¸ $240.00 $300.00ßà¶á¸ âãäå âãäå*Yæçè�éê

#$%l¹Këìí?HLIN� (PST/GST/HST)BMO �/��n8 GST/HST îïðR100390095

!"#$%&'()*+,(Occasional Overdraft Protection Service-. OOPS!)!"#$ $5.00 (%&'()*+,1-./0"1$)234567893:

*;<

/012 (Fee waivers)

5=>?@ABCDEFGHIJK

LMNOP$@./QRKST<U

VSTWX'YZ[\()*+,]

^_`2abcdefgXh^iST jkV2'349l,cdefgX

'mn9l,o2p"./qrstu<

(345/012(Account maintenance fee waivers)

5=>?@ABCOP $200vKST$@./3 QRKST<UVST

WX'YZ[\()*+,]^_`2afgXh^iST2p"./

qrstu<

*+67/012 (Plan fee waivers)

5=>?@ABCDEFGHIJK

LMNOP'()*+,$@./w

x'yz*+,(Standard Plan){'|}*+,(Enhanced Plan)QRKST<UV~f'[\()*+,2afgXh^iST2p"./qrstu<

4589 !:;'<,2

'yz,(Standard)4 $10,000

'|},(Enhanced)4 $15,000

21

!"#$%&'()*+,-./012

45 =>?3@

'349l,2 $1,500

1 =�'()*+,]H"1$��./�'��,(Plus)�'yz,�'���,(i.connect)�'��,(Performance)�'|},{'��,(Premium)< 2 >OPwx���'��9lST,(Investment Chequing Account)�'���9l��ST,(Chequable Savings Account)�'Y4��ST,(Daily Interest Savings Account)�'����ST,(True Savings Account){'����ST,(Investment Savings Account) Q'349l,ST< 3 ������FGHIJKLMQST2�#vKSTI$ $1.00< 4 pC'[\($*+,b� OP<

45 =>?3@

'349l,2 $200

!"#$%&'()*+

,-./0123456

789:8;<=>?@

ABC9 BMODEF/

0G0HIIJK'0

9LMNOPQFR&

A9STUV<=WX

9YZ[\>

2322

!"#$%&'()*+,-./012 345

!"#$%&'() !*+%&'() !,-#%&'() !./%&'() !01%&'() !01./%&'()(Instabanking Plan) (Standard Plan) (i.connect Plan) (Enhanced Plan) (Senior Plan) (Enhanced Plan for Senior)

!2345%&)•!"#$%&'()*+#,-./01 2023'456789 502 6023'456789 702 402 602• !":;< BMO =45>?@A9(BC ABM)DE INTERAC FGHI=J#%&2K1 42 42 102• !":;4LMNOP#9782K 22 22 22• QRST UVWXYZ [Cheque (image) return]78[\ ✓ ✓ ✓ ✓ 1995]8"31^_ ✓

`abc478de9• :;f678 (Assisted-service)Sg#hijklmgn ✓ ✓ ✓ ✓

6789•op478de9q=rs#,ctHI4DSP#789(Overdraft Transaction Service)uvwDS(ijk(mgn ✓ ✓ ✓ 1995]8"31^_ ✓

`abc478de9• -.xy=z{ST#,o|}~ $50z{=DS�� ✓ ✓ ✓ ✓

• o:;4rs�;DS��9(Personal Credit Reserve) (o}� $2,5001ijklg"n��$gn ✓ ✓ ✓ ✓

• op�=478de9q=�r#,:;4<���DS��7892 (OOPS!®) (o}� $5001ijk�$gn ✓ ✓ ✓ ✓ ✓

:;<=>?•�IST�o�g��n����h$��=�IST ✓ ✓ ✓ ✓ ✓

•�IST�o�g��n��z{ Cheques for Two �IST ��(= ✓

0.50% • p�����!":;< BMO =45>?@A9DE CirrusFGHIJ#%&=2K1 22 22 22• p�����!":; Maestro 78p�,HI4��g�9(Direct Payment)��=2K 22 22 22• � z{¡Oo¢|£¤¥¦§)!2%&o}� $5,000z{1 ✓ ✓ ✓

•oDEL¨©ª78uz{Sg#h�P#~z«=O¬A­ ✓ ✓ ✓

67@A• STjk(mgn)ST�®|'1 ✓

• YT (money orders)¯°T (drafts))YI|±²c³´1 ✓ ✓

• �¥ST (certified cheques)u¯µ¶g� ✓

• �n�·¸T¹º ✓ ✓

•4»¼ST93 ¢|(m¼§ (`½c¼§u]¼§d¯¾¿|ÀÁ ) ✓ ✓

• Â;ÃI�ÄÅoÆ!] $5ÇJ£¤)kÈÉÊË|²ÌÍ!478de93oÂ;�r�ÄÅ1 ✓

• Â;ÃI�ÄÅoÆ!]$12ÇJ£¤)kÈÉÊË|²ÌÍ!478de93oÂ;�r�ÄÅ1 ✓

• f678J#%&¯/�#,-./0c78În)!$d1 $1.00 �n $1.00 �n ÏÐ; ÏÐ;

• ÑÒ!"#$%&'(=J#%&¯/�#,-./0c78În)!$d1 $0.60 $0.60 $0.60 $0.60 $0.60 $0.60

!%&'()BC $5.50 $11.00 $11.00 $15.00 $0.00 $4.50• Ó4ÔÕST9(Primary Chequing)#,=78den;Ö�)×Ø!"ÙÚÛº'(ÜÝÖ�Þß1 $1,500 $3,000 $3,000 $5,000 ÏÐ; $5,000• Ó4»¼ST9(Interest Chequing)#,=78den;Ö�)×Ø!"ÙÚÛº'(ÜÝÖ�Þß14 ÏÐ; $10,000 ÏÐ; $15,000 ÏÐ; $15,000

DEFGH!2345%&'()uà3Ð;áâãÏä±²=¡º4ÃI78de9åæçÀÁ4ÃI78de9=¨Íèãéêë¾ìíîå

1Ï*+< BMO45>?@A9(ABM)oïÎí=n;å

2Ïä±²å3±²Ó¡º#,ð|sÍ»¼uñ¿»§dòå

33±²Óóô�Ê4^¼�õ9(DailyInterest Savings )�4ö÷�õ9(TrueSavings)=4»¼ST9(InterestChequing )#,å

43±²Óóô�Ê4øNST9(Investment Chequing)#,ù4o�úST�õ9(Chequable Savings) #,ù4^¼�õ9#,�4ö÷�õ9#,¯4øN�õ9(Investment Savings )#,=4»¼ST9#,å

24

!"#$!"#$%&'()*+,-#./012+,34567$

89&:;(<=>

!"#$%&(Customer activity) : !

"#$%&'()*#+,)*

-./0123*4567869

2*#&:;<=>?@"#A

%B0CD*#EFGH@IAJB

(inactive)9

!'()*&[Debit Transaction(s)] :

KL>?:MNOPQRST*#

+,)U-V*./0WXYZ[

\]86-^0128_`a4Y

b*c4deV*fgh4ia3

*[jklmYb*c /V*9

!+,-./'(0123&[Direct

payment (debit card) purchase] : K

den)@o:p,fB(FirstBank

Card) qr@INTERAC stb6Bu

v07 Maestro uv0stwn)

*#V*b6)>?gh./9

!456789:;&[(Everyday

Banking Plan(s)]<!89:;&

[Plan(s)] : KL:Sxyuvz{

|8})~���uv9

!=%>?@AB(CDE89&

(ABM electronic bill payment):K"#R@/��B(Instabank)�%���stYb*c|�����b*

���9

!=%>?@F(CDE89&

(ABM paper bill payment):K"#R@/��B�%�����b*��

��NYb*c9

!(#GHIJ&(Account historyinquiry) :K"#��:���*-./��9

!KL89&(Assisted-service):K!�,����&�,47qr@BMOstNOB(BMO Direct)��)V*./7*#��� 07de�%��

��*c¡{uv9

!BMO+,MN&(BMO Direct) : KBMO ¢£¤p,)stNOuv0¤¥"#qr¦§[ /7&¨©ªN�«)NO¬-9

OP: >?R�­®¯<\8[)YZ7YZ °±²³�´µ¶0C

K·�\¸¹)YZ4 ·�YZ

)Gº±² °»�´7·�YZ)

¦¯±²9

!456789:;EQRS&

[Everyday Banking Plan fee

waiver(s)]: K¼½:SFKy¾

¿$�*#À(lead account) )@$

�YZB(Primary Chequing)*#

)@p,uvÁÂBz{-!&

D*#RÃSz<>?ÄÅÆÇ

ÈÉKy)Ê5Ë9>?ÌrÍ

z./ÎË)V*./0CIÏ

WXR@p,uvÁÂ{eмB

Ñ<9

!INTERAC ATUVW(&

(INTERAC Email Money Transfer) :

Ò:-¨©NOuv0¥"#Ó

Ä|ÔÕÖ£L¦¯×ØÙÚÛ

tÜia9ia¤qr¨©NO

uvÙÚÝ>?Þ]¦ß£àL

[áâãp,*#)Tä9Ü6

T¤Ï¦ß��å]ia3Ýæ

çèé5�*#9Ü6T¤êë

\8})Kì0Eia5�'(

\íî)áâãp,*#<9

25

!"#$%&'()/*(+[Pre-

authorized bill payment(s)/debit(s)]:

!"#$%&'()*+!,-.

/0123456789:;5<=

>5?@A5B

!,-./+(Self-serve) : CD

a)<=EFGHA5IJKb)?

LMNOPQFGHA5IJRS

CDT9:UVWXYZ5?[\

]^_@56`abcBNOPQ

CD2Jde79:UVWf<g

hi BMOjklmGnlH9:

UVWfXYA5opqf2BMO

rstu7Rv" BMO rstuw

txyHz{_f|}$%=>5

?/A5<ghiw~Gl�#X

YH��NO��B

!Interac 01./+(Interac Online) : 2Interac ��

]^7���l<�#T���

\pq-0rs1#HmG56

>�����6H>���B#

��<#XY2��tu]^7

H��o�����0��z�

l<1#�����#H2��m

G(FirstBank) o7��H ¡¢£

�56/=>B

!23(4+(Lead account) : �#

!,Y¤=>2]^¥¦70<g

hi]^\YH3456B

!56789:+[Monthly

transaction limit(s)] : !CDT

2§¨mG]^¥¦7/HA5I

J0<g256`abc7R��

56`abc©ª_H«¬­®B

!;<(4+[Personal account(s)]

=!(4+[account(s)] : !T BMO

jklmG¯°±²³34=E

56@´µ56B

4.!"#$%&'$()*+,-

(Ombudsman for Banking Services

and Investments ./ OBSI). 01

3 23456789 6 :;<

!" OBSI=>?@6)&+AB

C2)DEFOBSI GHIJ#$

KL%&'MN)OPKLF

QR6S BMO @6)&+TA

)JUVWX)Y56Z[\]

^G_ OBSI B$`a%bcd)

eEF

OBSI =bfghi58%Vj

klmno(pqrFOBSI k

lmnTGH)KLstm)F

Ombudsman for Banking Services

and Investments

P.O. Box 896, Stn. Adelaide

Toronto, Ontario M5C 2K3

!"#1-888-451-4519

$%# 1-888-422-2865

!&#ombudsman@obsi.ca

'(#www.obsi.ca

)*+,-./

QR6Zuv&+5wxyz67

8{+wx5=|wxhj}IJ

~�Fwx��j���,(��

�6)&+5�k��6Swx)

����uSwxs���>)F

1.���&+�%)�$o�]

�5o6����#$]LT9

�)��KL����FQ~�

��IJ5�>?0�o �¡

-¢£F

¤on5�!¥¦

BMO W�7#$ (BMO Bank of

Montreal®)

§¨©�ªKL«�¬(Direct Banking)

012345#

1-877-CALL-BMO (225-5266)

6789:;!" <==>?@5#

1-866-889-0889

'(#bmo.com

2.QR6)&+08­23®�¯°

IJ567\&+BC2G_±²

³´µ)¶·¡-5'¸Q¹¦

BMO Bank of Montreal

District Vice President

(6)�$º7GH»U)¼½

!¥'¸)

AB

President and Chief Executive Officer

Personal and Commercial Banking

BMO Financial Group

P.O. Box 1, First Canadian Place

Toronto, ON M5X 1A1

!"#1-800-372-5111

$%#416-927-6658

3.QR6)&+0­¾¿À23

®�¯°IJ567Á BMO ª

LÂÃÄÅ*+,-GÆ­+F

*+,-sÇÈ8OP)ÉÊ

}eE6)&+F*+,-º

�`aĘ̈�Í�)ÉÊÎ

eE6)&+5=j²Ï�A

ÆC:bÐÑÒ)GÓF

*+,-VjfÔ¦

• #$)�ÕÖ×oØÙ �

)JUF

• Z�²ÚÛTZ��)ÜÝ

ÞaËKLmoßàámF

• uvâ0_ãäåD�)

]ÀF

BMO Financial Group Ombudsman

55 Bloor Street West, 8th Floor,

Toronto, ON M4W 3N5

!"#1-800-371-2541

$%# 1-800-766-8029

'(#bmo.com

!"#$%&'()*+,

26

27

BMO!"#$%&(BMO Bank of Montreal)'!"#$%()*+,-

™/® !"#$%./ /01./-

®* !"#$%23#45 MasterCard InternationalInc. (./6INTERAC Inc. (01./78Cirrus System, Inc. (01./-

®** !"#$%(01./6923#45-CIPF :;-

®‡ <=>?@&(Nesbitt Burns)' BMO Nesbitt Burns Corporation Limited (01./6923#45-

®# !"#$%2AB Maestro ./C MaestroInternational Incorporated 3#45D./-

®† AIR MILES International Trading B.V. (./-Loyalty Management Group Canada Inc. 8!"#$%23#45-

®††/™†† American Express Company (./-

®## Microsoft Corporation (01./-

®#* Intuit Inc. (01./-

™‡ Canada Post Corporation (./6923#45-

!"#$%&'()*+(Financial Consumer Agency ofCanada ,- FCAC )

EFGH*IJKLMNOPQR

STUVCH*WX67YZ[\

]%STZ^IJK_`78ab

cde (voluntary commitments) f

ghij (codes of conduct)-

`k6H*WXlmnopIJK

BqrsNtuvwxJw=yf

qz{%C|}-k~�B�q�$

%��w�58Z����8��S

TZ^IJK_`wabcde�g

hijCrs6�#7S� FCAC�

Financial Consumer Agency of Canada

6th Floor, Enterprise Building

427 Laurier Avenue West

Ottawa, Ontario K1R 1B9

./ 012341-866-461-FCAC (3222)

052341-866-461-ACFC (2232)

674 1-866-814-2224

Bq��CSTZ^IJK_`wa

bcdefghijC|}6#��

FCAC ���

www.fcac-acfc.gc.ca

30225_PGE_Chin_june20:30225_PGE_Chin_june20 6/24/08 11:00 AM Page 1