Your Guide to. Personal Banking. Everyday banking with BMO Personal Accounts Bank Plans

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1 Your Guide to Personal Banking Everyday banking with BMO Personal Accounts Bank s Effective May 1, 2015

2 Contents Select your Personal Accounts...2 Primary Chequing Account Premium Rate Savings Account Smart Saver Account Savings Builder Account Select your Bank...10 Premium Performance AIR MILES * Plus Practical Discounted Banking Programs...16 Free and Discounted Banking Getting started Next Steps - Checklist Anywhere, Any Time Banking - BMO Online, BMO Mobile and BMO Telephone Banking - Online and Mobile Appointment Booking - BMO Alerts Pre-Authorized Transactions - Direct Deposits - Pre-Authorized Payments PowerSwitch Continuous Savings Overdraft Protection Accessing your money... 2 Your BMO Debit Card BMO Mobile Banking BMO Telephone BMO Online Banking Interac Online Branch Banking ATMs Managing your money...28 BMO Manage My Finances estatements epost Sending your money...0 Interac e-transfer Transfer money between Canada and the U.S. Western Union * Money Transfers * via Interac e-transfer BMO Global Money Transfer How to contact us...back Cover

3 Welcome to Everyday Banking At BMO Bank of Montreal, we offer banking solutions that are suited to your unique needs and life stages. By following two simple steps, you can select the personal bank accounts and Bank that best match your everyday banking needs. 1STEP Select your personal accounts 2STEP Select your Bank In this guide, you ll find the information you need to make the most of your everyday banking 1 including our diverse range of products and services that offer the ease, convenience and flexibility our customers have come to expect 2. Of course, we re always here to help you can contact us online at bmo.com, by phone by calling CALL BMO ( ), or by visiting one of our branches. 1 Your Guide to Personal Banking allows you to view various Everyday Banking products and services at a glance. For full fee disclosures, including additional services and fees, refer to Agreements, Bank s and Fees for Everyday Banking, which is available at BMO branches where personal accounts are serviced and online at bmo.com/agreements. 2 Some BMO products and services are only available to our customers. Our ability to offer these services is subject to our providers policies to comply with applicable regulations. In some instances, the use of these services may be restricted and are not available to all customers. 1

4 1STEP We all have different priorities depending on our life stage. Let us guide you to the personal accounts that best meet your unique needs. Personal accounts At BMO, we have accounts that allow you to bank the way you want; from doing your everyday banking to saving for your future. We offer four types of personal accounts, each with a choice of helpful options such as: Accounts in U.S. dollars 1 estatements Select your personal accounts Continuous savings plans Primary Chequing Account Perfect for your everyday banking needs like debit card purchases, withdrawals, deposits, and bill payments. Premium Rate Savings Account A great option to help you reach your short-term savings goals. This account allows you to earn daily interest 2 and gives you complete flexibility to access your cash when you need it. Smart Saver Account Save for longer-term goals and earn a competitive interest rate 2 on every dollar in the account, no matter what your balance. Savings Builder Account Designed for active savers, this new account rewards you with a Bonus Interest rate when you increase your balance by $200 or more each month. BMO is the only bank where you can earn AIR MILES reward miles for your everyday banking 4. To find out how you can maximize your rewards for your everyday spending and savings, visit bmo.com/airmiles. 1 U.S. Dollar Accounts are not eligible for Canadian Deposit Insurance Corporation (CDIC) insurance coverage. 2 Current interest rates are available at BMO branches where accounts are serviced, at bmo.com/rates and by calling Interest is paid in the currency of the account. Interest rates are calculated on a per annum basis. Interest is calculated on the daily closing balance and paid monthly on the last business day of the month. Interest rates and balance tiers are subject to change without advance notice. Current interest rates are available at BMO branches where accounts are serviced, at bmo.com/rates and by calling Interest rates are calculated on a per annum basis. The base interest rate applies to the entire balance in your Savings Builder Account ( Account ). The base interest is calculated on the daily closing balance and payable as of the last business day of the month. The bonus interest rate applies to your Account balance, up to $250,000.00, when you increase your monthly Account balance by $ or more. The bonus interest is calculated on the daily closing balance and is calculated from the first business day of the month, regardless of the day you increased your Account balance to qualify. The bonus interest is payable as of the second business day of the following month. We may change the amount that you must increase your Account balance each month to earn Bonus Interest at any time. Full details are available in the Agreements, Bank s and Fees for Everyday Banking, available at BMO branches and online at bmo.com/agreements. 4. Award of AIR MILES reward miles is made for BMO Debit Card purchases minus refunds from your Primary Chequing Account when your Primary Chequing Account is the lead account for the AIR MILES or Premium. The lead account is the one you designate to pay any fees required by your Bank, for example, your monthly fees and transaction fees. The number of AIR MILES reward miles will be rounded down to the nearest whole number. Monthly limits apply to the number of AIR MILES rewards miles you can earn. 2

5 Personal Accounts continued I need an account that... Review the chart below to choose the right personal bank account 1. I need an account that... Primary Chequing Premium Rate Savings Smart Saver Savings Builder is perfect for my everyday use like debit card purchases, withdrawals, deposits and bill payments. 4 offers interest on my daily balance offers a higher interest rate for funds needed less frequently offers bonus interest for saving regularly. 4 allows me to set up Direct Deposits allows me to set up Pre-Authorized Payments. 4 allows me to write, view, and track cheques. 4 offers overdraft protection. 4 is available in U.S. dollars For identification requirements required to set up your account, refer to the Agreements, Bank s and Fees for Everyday Banking, which is available at BMO branches where personal accounts are serviced and online at bmo.com/agreements. 2 Current interest rates are available at BMO branches where accounts are serviced, at bmo.com/rates and by calling Interest is paid in the currency of the account. Interest rates are calculated on a per annum basis. Interest is calculated on the daily closing balance and paid monthly on the last business day of the month. Interest rates and balance tiers are subject to change without advance notice.. Current interest rates are available at BMO branches where accounts are serviced, at bmo.com/rates and by calling Interest rates are calculated on a per annum basis. The base interest rate applies to the entire balance in your Savings Builder Account ( Account ). The base interest is calculated on the daily closing balance and payable as of the last business day of the month. The bonus interest rate applies to your Account balance, up to $250,000.00, when you increase your monthly Account balance by $ or more. The bonus interest is calculated on the daily closing balance and is calculated from the first business day of the month, regardless of the day you increased your Account balance to qualify. The bonus interest is payable as of the second business day of the following month. We may change the amount that you must increase your Account balance each month to earn Bonus Interest at any time. Full details are available in the Agreements, Bank s and Fees for Everyday Banking, available at BMO branches and online at bmo.com/agreements. 4 U.S. Dollar Accounts are not eligible for Canadian Deposit Insurance Corporation (CDIC) insurance coverage. 5 6

6 Personal Accounts continued Primary Chequing Premium Rate Savings Smart Saver Savings Builder Key Features The monthly Bank fee is waived when you maintain a minimum monthly balance 1 Complete flexibility to access your everyday savings when you need to High interest savings account that offers a competitive interest rate on all balances 8 High interest savings account that offers a bonus interest rate when you increase your balance by $200 or more each month 10 Interest No interest is paid Interest is calculated on the daily account closing balance, and paid monthly 8 Interest is calculated on the daily account closing balance, and paid monthly 8 Base interest paid on all balances, calculated on the daily account closing balance, and paid monthly 8. Bonus interest is calculated on the daily account closing balance up to $250, and paid monthly in the months that you increase your balance by $ or more 10 Personal Cheques Write cheques View cheques paid from your account online 2 Cheque images returned with your paper statement 2, N/A N/A N/A Currency Available in Canadian and U.S. dollars 4,5 Available in Canadian and U.S. dollars 4,5 Available in Canadian dollars Available in Canadian dollars Pre-Authorized Transactions Direct Deposits and Pre-Authorized Payments Direct Deposits Direct Deposits Direct Deposits Statements View your monthly estatement for free online or get one monthly consolidated paper statement that combines all of your personal accounts 6 Money Management Savings and Investments Access to BMO Manage My Finances our online financial management tool that helps you to view, track, and manage your money Set up a continuous savings plan to help manage and grow your savings For other investment needs, our qualified BMO representatives are available to help you with mutual funds and term investments Additional Benefits Earn AIR MILES reward miles with the AIR MILES or Premium 7 Overdraft Protection with three options to best meet your needs. Include this account in a Bank to save on transaction fees 9 One free transfer per month from your Smart Saver Account to your other BMO accounts 9 One free transfer per month from your Savings Builder Account to your other BMO accounts 9 1 The monthly Bank fee can be eliminated by maintaining the minimum monthly balance at all times in a Primary Chequing Account that has been designated as the lead account for your Bank. The lead account is the one you designate to pay any fees required by your Bank, for example, your monthly fees and transaction fees. 2 You are able to view, save and print cheque images from the previous three () months through online banking. If you require any copies of cheques that are no longer available through online banking, you may request a copy at a BMO branch or by calling A per-item fee may apply. Cheque images are not available with estatements however, you are able to view, save and print cheque images using online banking. Cheques made payable to you or to cash, and cashed at any BMO branch, may not be returned but are described on your statement. 4 If you select a U.S. Dollar Account as the lead account, all and transaction fees will be charged in U.S. dollars. 5 U.S. Dollar Accounts are not eligible for Canadian Deposit Insurance Corporation (CDIC) insurance coverage. 6 A paper statement fee may apply. 7 Award of AIR MILES reward miles is made for BMO Debit Card purchases minus refunds from your Primary Chequing Account when your Primary Chequing Account is the lead account for the AIR MILES or Premium. The lead account is the one you designate to pay any fees required by your Bank, for example, your monthly fees and transaction fees. The number of AIR MILES reward miles will be rounded down to the nearest whole number. Monthly limits apply to the number of AIR MILES rewards miles you can earn. 8 Current interest rates are available at BMO branches where accounts are serviced, at bmo.com/rates and by calling Interest is paid in the currency of the account. Interest rates are calculated on a per annum basis. Interest is calculated on the daily closing balance and paid monthly on the last business day of the month. Interest rates and balance tiers are subject to change without advance notice. 9 Bill payments, Pre-Authorized Payments, debit card purchases, Interac e-transfer, Interac Online purchases and cheques are not permitted on this account. 10 Current interest rates are available at BMO branches where accounts are serviced, at bmo.com/rates and by calling Interest rates are calculated on a per annum basis. The base interest rate applies to the entire balance in your Savings Builder Account ( Account ). The base interest is calculated on the daily closing balance and payable as of the last business day of the month. The bonus interest rate applies to your Account balance, up to $250,000.00, when you increase your monthly Account balance by $ or more. The bonus interest is calculated on the daily closing balance and is calculated from the first business day of the month, regardless of which day you increased your Account balance to qualify. The bonus interest is payable as of the second business day of the following month. We may change the amount that you must increase your Account balance each month to earn Bonus Interest at any time. Full details are available in the Agreements, Bank s and Fees for Everyday Banking, available at BMO branches and online at bmo.com/agreements

7 2STEP Select your Bank Now that you ve chosen your personal account, the next step is to identify the Bank that best suits your current life situation. What is a Bank? A Bank allows you and your spouse or partner to consolidate all of your everyday banking transactions under one, fixed monthly fee. Instead of paying for each transaction, service or a separate monthly fee for each account, you can save by choosing the that provides you with the everyday banking transactions and other features that best fits your individual needs. Choose the Plus, Performance, AIR MILES or Premium, and you can combine up to 20 single and joint Canadian or U.S. Dollar Primary Chequing or Premium Rate Savings Accounts under one 1,2. If you re looking for a low-cost alternative, you can select the Practical and combine up to one Primary Chequing Account and one Premium Rate Savings Account in either Canadian or U.S. Dollars 1,2. Whatever your banking needs are, we have a that s right for you. Benefits of a Bank There are many advantages to having a Bank. You can: open as many personal bank accounts as you need 1,2 to organize your money, track your spending, budget more efficiently and set savings goals include your spouse or partner and have them benefit from the services under the Bank at no additional charge 2 eliminate your monthly Bank fee when you maintain a minimum monthly balance in your account Monthly Bank fee Offers unlimited transactions Offers free banking when I keep a monthly balance of at least Number of accounts included 1 Offers AIR MILES reward miles on purchases made with my BMO Debit Card 4 Offers an annual fee rebate for an eligible BMO World Elite * or BMO World MasterCard * card 5 Offers free or discounted banking for: Kids, Teens, Students and Recent Graduates Seniors and Beneficiaries of an RDSP Premium $ $5, /$40 spent 4 $19.05 $26.00 Performance $ Review the chart below for a quick comparison of the individual Bank features, options and discounts tailored to meet your specific banking needs. AIR MILES $ Plus $ Practical $4.00 $,500 $2,500 $1,500 $4.00 $10.95 We also offer discounts for kids, teens, students, recent graduates, seniors and beneficiaries of a Registered Disability Savings (RDSP) through the Discounted Banking Program. 1/$0 spent $14.95 $10.95 FREE 2 $6.95 FREE 1 You can have up to twenty (20) eligible Canadian or U.S. Dollar Accounts (excluding Smart Saver Accounts and Savings Builder Account) under one (1) Plus, Performance, AIR MILES and Premium. You can have one (1) Canadian or U.S. Dollar Primary Chequing Account and one (1) Canadian or U.S. Dollar Premium Rate Savings Account under one (1) Practical. 2 All accounts covered by the are subject to the monthly transaction limit(s) for the selected. The monthly Bank fee can be eliminated by maintaining the minimum monthly balance at all times in a Primary Chequing Account that has been designated as the lead account for your Bank. The lead account is the one you designate to pay any fees required by your Bank, for example, your monthly fees and transaction fees. You are responsible for all transaction, service and product fees not included in your Bank. 4 Award of AIR MILES reward miles is made for BMO Debit Card purchases minus refunds from your Primary Chequing Account when your Primary Chequing Account is the lead account for the AIR MILES or Premium. The lead account is the one you designate to pay any fees required by your Bank, for example, your monthly fees and transaction fees. The number of reward miles will be rounded down to the nearest whole number. Monthly limits apply to the number of AIR MILES rewards miles you can earn. 5 You will receive an annual credit card fee rebate up to $150 (the Rebate ) if you are the primary cardholder of a BMO World Elite, BMO AIR MILES World Elite, BMO AIR MILES World, BMO CashBack World Elite, BMO CashBack World MasterCard card (each a BMO Credit Card ) and an accountholder of the of the lead account. If the lead account is joint, and both accountholders have a BMO Credit Card, the Rebate will be applied to the BMO Credit Card with the higher annual fee. BMO Nesbitt Burns and BMO Private Banking clients are not eligible for the Rebate

8 Features Premium Performance AIR MILES Plus Practical Everyday Banking Monthly transaction limit including account history inquiries 1,2 Number of accounts eligible under one Monthly number of withdrawals using a non-bmo ATM on the Interac network 4,5 Monthly number of Interac e-transfer 5 Fee for debit transaction and/or account history inquires in excess of monthly transaction limit 2 Cheque image return option 6,7 View cheques online 7 Assisted-service bill payments estatement Monthly paper statement or passbook 5,8 Unlimited $2.00/month Unlimited 20 1 $1.50/each $2.00/month Unlimited 20 $1.50/each $1.50/each $2.00/month 0 20 $1.50/each $1.50/each $1.25/each $2.00/month 12 2 $1.50/each $1.50/each $1.25/each $2.50/month 1 Added protection Overdraft Transfer Service between personal accounts in the Bank to cover overdraft 9 Overdraft Protection: Standard 10 Overdraft Protection: Occasional 10,11 $5.00/transfer $4.00/month $5.00/item $5.00/transfer $4.00/month $5.00/item $5.00/transfer $4.00/month $5.00/item $5.00/transfer $4.00/month $5.00/item Travel needs International: Monthly number of withdrawals using a non-bmo Harris ATM on the Cirrus * network 4,5 International: Debit card transactions at merchants using the Maestro * network 12,1 Preferred exchange rate when buying or selling U.S. cash (up to $5,000 U.S. per transaction) Travellers Cheques: traditional style single signature U.S. dollar bill payments or transfers to U.S. financial institutions through BMO Telephone Banking 14 5 $.00/each $.00/each $.00/each $.00/each Additional features Receive a rebate up to $150 towards the annual fee of an eligible BMO World Elite * or BMO World MasterCard * card 15 Personalized cheques (cheque styles limited) Money orders and drafts (in available currencies) 16 Certified cheques Stop payments (Individual/Series) Safety deposit box annual $12.00 discount (subject to availability one box per Bank ) Varies by style $7.50/each $15.00/each $12.50/$20.00 Varies by style $7.50/each $15.00/each $12.50/$20.00 Varies by style $7.50/each $15.00/each $12.50/$20.00 Varies by style $7.50/each $15.00/each $12.50/$20.00 AIR MILES reward miles Earn on purchases made with your BMO Debit Card 17 Earn 50 Bonus AIR MILES rewards each month when you maintain a balance of $,000 or more per month 18 Earn 25 Bonus AIR MILES rewards each month when you also have a BMO AIR MILES World or BMO AIR MILES World Elite MasterCard card Earn 100 Bonus AIR MILES rewards with each direct deposit set-up within the first 90 days 19 Earn 20 Bonus AIR MILES rewards with each Pre-Authorized Payment set-up within the first 90 days 20 1/$ /$0.00 Monthly Bank fee Minimum monthly balance needed in a Primary Chequing account to eliminate monthly fee 21 Discounted banking programs: Kids, Teens, Students and Recent Graduates Seniors Beneficiaries of a Registered Disability Savings (RDSP) $0.00 $5,000 $19.05 $26.00 $26.00 $14.95 $,500 $4.00 $10.95 $10.95 $14.95 $14.95 $10.95 $10.95 $10.95 $2,500 FREE $6.95 $6.95 $4.00 $1,500 FREE FREE Items indicated with a are not applicable to the selected Bank. 1 You are responsible for all transaction, service and product fees not included in your Bank. 2 Account histories completed through BMO Mobile or BMO Online Banking do not count towards the monthly transaction limit. The Practical allows you to have one (1) Canadian or U.S. Dollar Primary Chequing Account or Interest Chequing Account (existing customers) and one (1) Premium Rate Savings Account under the. All other Bank s allows you to have up to a total of twenty (20) accounts in Canadian or U.S. Dollars, any combination of Primary Chequing Accounts, Premium Rate Savings Accounts and Interest Chequing Accounts (existing customers only) under the. 4 Does not include fees that may be charged by non-bmo ATMs. 5 Per-item fees will apply when you exceed the number of transactions included in your. 6 Cheque images are not available with estatements. 7 You will be able to view, save and print cheque images from the previous three months through BMO Mobile and BMO Online Banking. If in the future you require any copies of cheques that are no longer available through BMO Mobile and BMO Online Banking you may request a copy at a BMO branch or by calling A per item fee may apply. Cheques made payable to you or to cash, and cashed at any BMO branch, may not be returned but are described on your statement. 8 Passbooks are no longer offered and only available to existing customers who have this service. 9 You are required to provide initial set-up instructions for this service. The Overdraft Transfer Service fee is in addition to any debit transaction fee. 10 Available to qualified customers; interest will be calculated on the daily overdraft balance at prevailing overdraft interest rates and charged to the account at the end of the month. Overdraft Protection fees apply individually to each account with an authorized limit within the. 11 The Overdraft per-item fee applies to each item that creates or increases overdraft. For cheques and pre-authorized debits, we process debit transactions against accounts in the order in which we receive them via the clearing system. Overdraft per-item charges will be incurred in the same order as items are received from the clearing system. 12 Applies to purchases made outside of Canada on the Maestro network. Other transaction or network fees may apply. 1 Subject to Monthly Transaction Limit. 14 To transfer funds you must register each account and financial institution to which you wish to transfer funds. The registration period may take up to ten (10) business days. 15 You will receive an annual credit card fee rebate up to $150 (the Rebate ) if you are the primary cardholder of a BMO World Elite, BMO AIR MILES World Elite, BMO AIR MILES World, BMO CashBack World Elite, BMO CashBack World MasterCard card (each a BMO Credit Card ) and an accountholder of the of the lead account. If the lead account is joint, and both accountholders have a BMO Credit Card, the Rebate will be applied to the BMO Credit Card with the higher annual fee. BMO Nesbitt Burns and BMO Private Banking clients are not eligible for the Rebate. Full details are available in the Agreements, Bank s and Fees for Everyday Banking, available at BMO branches and online at bmo.com/agreements. 16 We and/or other financial institutions may charge additional fees for refunds or replacements of lost or stolen money orders or drafts. The receiving financial institution may charge associated fees. U.S. Dollar money orders and drafts are available at no cost when purchased through a U.S. Dollar personal account. U.S. dollar drafts are drawn on BMO Harris Bank N.A. and are subject to United States Anti-Money Laundering regulations, including screening the payee against the Specially Designated Nationals and Sanctioned Countries lists maintained by the Office of Foreign Assets Control, an agency of the Government of the United States. Depending on the result of that screening, a payee might not be able to cash a U.S. dollar draft. 17 Your Primary Chequing Account or Interest Chequing Account (for existing customers) must be your lead account. The lead account is the one you designate to pay any fees required by your Bank, for example, your monthly fees and transaction fees. Award of AIR MILES reward miles is made for debit card purchases minus refunds from your Primary Chequing Account. The number of AIR MILES reward miles will be rounded down to the nearest whole number. Fractions of AIR MILES reward miles will not be awarded. A maximum of forty (40) AIR MILES reward miles on the Premium or fifty (50) AIR MILES reward miles on the AIR MILES can be earned per month for debit card purchases. 18 AIR MILES reward miles can be earned by maintaining the minimum monthly balance at all times in a Primary Chequing Account or Interest Chequing Account (for existing customers) that has been designated as the lead account for the AIR MILES. The lead account is the one you designate to pay any fees required by your banking, for example, your monthly fees, transaction fees. 19 Bonus AIR MILES reward miles can be earned by setting up a qualified direct deposit to a Primary Chequing Account or Interest Chequing Account (for existing customers) that has been designated as the lead account for the AIR MILES. A maximum of one (1) direct deposit set-up per month. Bonus offer is limited to the first ninety (90) days after the is added to the lead account. 20 Bonus AIR MILES reward miles can be earned by setting up a qualified Pre-Authorized Payment from a Primary Chequing Account or Interest Chequing Account (for existing customers) that has been designated as the lead account for the AIR MILES. A maximum of five (5) Pre-Authorized Payment set-ups per month. Bonus offer is limited to the first ninety (90) days after the is added to the lead account. 21 The monthly Bank fee can be eliminated by maintaining the minimum monthly balance at all times in a Primary Chequing Account that has been designated as the lead account for your Bank. The lead account is the one you designate to pay any fees required by your Bank for example, your monthly fees and transaction fees

9 Bank s continued Discounted Banking Program We offer several discounted banking program options for kids, teens, students, recent graduates, seniors and beneficiaries of an RDSP. Refer to the following chart for more details. What do I get in the program? You can still take advantage of additional services that may not be included in your. For a list of pay-per-use services and fees, refer to Agreements, Bank s and Fees for Everyday Banking at any BMO branch or online at bmo.com. How I would qualify Kids (up to 12 years old) Teens (118) Students (19 or older) Recent Graduates Seniors (60 or older) Beneficiaries of an RDSP Free Plus 1 Or use the $10.95 discount towards the monthly Performance or Premium fee 2 Interac e-transfer transactions included with the Plus and Performance 2 1 monthly paper statement included at no additional charge Free Plus 1 Or use the $10.95 discount towards the monthly Performance or Premium fee 2 Interac e-transfer transactions included with the Plus and Performance 2 Free SPC ** Card Free Plus 1 Or use the $10.95 discount towards the monthly Performance or Premium fee 2 Interac e-transfer transactions included with the Plus and Performance 2 Overdraft Transfer Service included at no additional charge 4 Free SPC Card Free Plus for up to one year after graduation from post-secondary education 1 Or use the $10.95 discount towards the monthly Performance or Premium fee 2 Interac e-transfer transactions included with the Plus and Performance 2 Overdraft Transfer Service included at no additional charge 4 Free SPC Card Free Practical 1 Or use the $4.00 discount towards the monthly Plus, Performance, AIR MILES or Premium fee Overdraft Transfer Service included at no additional charge 4 Free Practical 1 Or use the $4.00 discount towards the monthly Plus, Performance, AIR MILES or Premium fee Register at any BMO branch by providing proof of age You will automatically be converted to the Teens discounted banking program on your thirteenth birthday Set up a Bank for each child to receive the full benefits of the Register at any BMO branch by providing proof of age Set up a Bank for each child to receive the full benefits of the Register at any BMO branch by providing proof of registration 5 Provide annual proof of full-time registration in a post-secondary university or college or registered vocational school by December 24 of each year you re enrolled 5 Register at any BMO branch by providing proof of graduation 6 Register at any BMO branch by providing proof of age If your date of birth is on file, you will automatically receive the $4.00 senior discount applied to your 7 Register at any BMO branch by providing proof of eligibility 8 1 You are responsible for all transaction, service and product fees not included in your Bank. 2 Subject to your s Monthly Transaction Limit. Students with a BMO SPC MasterCard credit card will not receive a separate SPC Card and can take advantage of SPC Card discounts by showing their BMO SPC MasterCard credit card at participating merchants. 4 You are required to provide initial set-up instructions for this service. 5 The discount will be applied to the fee after proof of eligibility is provided. and other fees paid prior to confirming eligibility may not be refunded. 6 You are required to provide proof of eligibility by December 24 of the year you graduate otherwise, the full monthly fee will be applied automatically. and other fees paid prior to confirming eligibility may not be refunded. 7 The Senior Discounted Banking Program provides you with a monthly discount that can be applied to the Practical, Plus, Performance, AIR MILES or Premium. To qualify for the Senior Discounted Banking Program you must be 60 years of age or older; or, if your account is joint, one of the accountholders is 60 years of age or older. The Senior discounted banking program will be applied automatically the month after you turn 60 if proof of age is on file and you are in an eligible. The discounted banking program is not eligible on s no longer offered. 8 You are required to provide proof of eligibility once every three () years otherwise, the full monthly fee will be applied automatically. and other fees paid prior to confirming eligibility may not be refunded

10 Getting started We want you to be able to do your banking your way, so we provide a variety of flexible services to make banking easier. Whether you d like to bank on the go, set up automatic deposits and payments, or save for the trip of a lifetime, we give you the tools you need to achieve your financial goals. Next Steps Follow these next steps to ensure that you re making the most of your everyday banking: 1. Anywhere, Any Time Banking Sign up for BMO Online, BMO Mobile or BMO Telephone Banking to make your banking fast and easy. 2. Pre-Authorized Transactions Set up your Transactions (Direct Deposits and Pre-Authorized Payments) on your new account.. Switching is easy with PowerSwitch Use PowerSwitch 1 in BMO Online Banking to easily transfer your banking arrangements from other institutions to your BMO account. 4. Continuous Savings Set up a continuous savings plan to help manage and grow your money. 5. Overdraft Protection Arrange Overdraft Protection that suits you 2. 1 PowerSwitch is not available for Canada Revenue Agency deposits. Some billers, including financial institutions, do not accept the use of the PowerSwitch service for transfers, including pay cheques. Financial institutions that do, may request confirmation of the transfer from customers. 2 Available to qualified customers

11 Getting started continued 1. Anywhere, Any Time Banking a) The benefits of setting up BMO Online, BMO Mobile and BMO Telephone Banking It s easy and convenient to bank with us online, using your smartphone, tablet and by telephone. You can quickly, simply and securely manage your banking needs, check your balance, make bill payments and transfer funds all from the comfort of your home or on the go. Visit bmo.com/onlinebanking to register for BMO Online Banking today. Once registered, download the BMO Mobile Banking App for your smartphone to bank anywhere, any time 1. b) Online/Mobile Appointment Booking Need an appointment? It s easy to book an in-branch appointment in real time with one of our financial experts at a time that is convenient for you. Visit bmo.com/appointment to book online or from your mobile device - 24 hours a day, 7 days a week 2. c) BMO Alerts BMO Alerts help you stay on top of your account activity by alerting you to changes in your account via text message 4 or , including: Low Balance Alert when your account balance drops below an amount set by you. Withdrawal Alert if a withdrawal is taken from your account that is more than an amount set by you. Deposit Alert when a deposit is made to your account that is more than an amount set by you. Debit Card Security Alert if there is a security concern with your BMO Debit Card. estatement Alert when your estatement is available for viewing. 1 There is no charge to download the BMO Mobile App or to access BMO Mobile Banking. Transactions completed through BMO Mobile Banking may be subject to transaction fees depending on your bank account or Bank. Your mobile carrier or service provider may charge fees when you access BMO Mobile Banking. Check with your mobile carrier or hardware provider if you have questions about your specific device. 2 Subject to interruptions in telecommunications or online systems or in power supply or any other 2. Pre-Authorized Transactions a) Direct Deposit Direct Deposits ensure you have access to your money the moment it s deposited. You can arrange for electronic Direct Deposits of most employer paycheques and government payments. Once set up, funds will automatically be deposited into your account no need to visit the branch or ATM to deposit your cheque. Visit bmo.com/directdeposit to get started. b) Pre-Authorized Payment There couldn t be an easier way to pay your bills. Once you ve set up Pre-Authorized Payments with your billing companies, your designated bills will automatically be paid from your account on the due date.. Switching is easy with PowerSwitch Switching your banking to BMO is easy! We offer PowerSwitch in Online Banking a free service that allows you to transfer your existing Pre-Authorized Payments from your bank account(s) at other financial institutions to your account at BMO Continuous Savings Make it easier to save for your future by setting up a continuous savings plan. You can eliminate the hassle of manually transferring money between your accounts regularly. Speak to a BMO representative to learn how any amount saved on a continuous basis can help you reach your financial goals. factor or event beyond the control of BMO. BMO Alerts may be delayed or prevented because of a variety of factors. We do our best to provide alerts in a timely manner and with accurate information. We do not guarantee the delivery or the accuracy of the contents of any alert. By using BMO Alerts, you also agree that we will not be liable for any of the following: (i) any delays, failure to deliver, or misdirected delivery of any alert; (ii) for any errors in the content of an alert; or (iii) for any actions taken or not taken by you or any third party in reliance on an alert. 4 BMO Alerts received as text messages on your mobile device may incur a charge from your mobile service provider. 5 Some billers, including financial institutions, do not accept the use of the PowerSwitch service for transfers, including pay cheques. Financial institutions that do, may request confirmation of the transfer from customers

12 Getting started continued 5. Overdraft Services Enjoy the peace of mind that comes with having Overdraft Protection on your account 1. It s a simple way to cover unexpected shortfalls in your account and avoid the potential embarrassment of a declined transaction or the cost and inconvenience of a returned cheque or Pre-Authorized Payment. Coverage ranges from $500 to $2, Our Overdraft Protection has two fee options: a) Standard This option is best suited if you use the Overdraft Protection service once a month or more A monthly fee applies 2,. Your account must have monthly deposits and a positive balance at least once every 90 days. b) Occasional This option is best suited if you don t regularly use Overdraft Protection and would like to have the coverage for peace of mind There is no monthly fee. A fee per transaction applies 2,. Your account must have monthly deposits and a positive balance at least once every 90 days. Our Overdraft Transfer Service provides protection against unexpected shortfalls at a low per-transaction fee 4. You can pre-arrange to have available funds transferred to your BMO account from one of your other BMO accounts, your BMO credit card or your BMO line of credit to cover any accidental overdrafts 5. Accessing your money Do your everyday banking on your schedule, thanks to convenient options that let you access your money whenever, wherever and however you please 6. Your BMO Debit Card Your BMO Debit Card connects you to your accounts at every touch point whether it be at an automated teller machine (ATM), a merchant, BMO Online, BMO Mobile, BMO Telephone Banking or at a BMO branch your BMO Debit Card is your gateway to your everyday banking. 1 Available to qualified customers. 2 Interest will be calculated on the daily overdraft balance at prevailing overdraft interest rates and charged to the account on the last business day of the month. The Overdraft Protection Standard monthly fee and Overdraft Protection Occasional per-item fee is waived if you have selected the Premium. 4 Transaction fees are waived if you have selected the Premium or for customers with the Student and Recent Graduate or Seniors Discounted Banking Program. 5 You are required to provide initial set-up instructions for this service. 6 Fees may apply for these services. Some of the fees may be covered by a Bank, refer to Agreements, Bank s and Fees for Everyday Banking which is available at BMO branches where personal accounts are serviced and online at bmo.com/agreements. 22 2

13 Accessing your money continued BMO Mobile Banking With the BMO Mobile Banking app, completing everyday transactions is quick, easy and it s safe and secure, so you can confidently bank on the go. Quickly view your bank account, credit card, loan, line of credit, mortgage, and investment balances directly from your Account Summary. View transaction history on any of your accounts with a simple swipe of your finger. Transfer funds between all of your eligible accounts. Send and receive an Interac e-transfer; send to anyone on your recipient list or add new recipients on the go. Pay bills immediately or set up a future-dated bill payment. Add or manage existing payees, and review your payment history. Get the information you need anytime you choose. View credit card and line of credit statement balances, due dates, minimum payments and funds available in your bank account. Book a branch appointment in real time on your smartphone. It s fast and easy. Set up a travel notification for your BMO MasterCard * card so we ll know to expect out-ofcountry charges on your credit card and can ensure you ll have uninterrupted access while you are away. Save your most used BMO Debit Cards or BMO personal credit cards with nicknames to sign in quickly and securely. Search for nearby BMO branches and ATMs. BMO Online Banking customers can simply download the app to their smartphone 1 to use BMO Mobile Banking. Visit bmo.com/onlinebanking to register today. For other touch devices that don t have an app, you can access BMO Mobile Banking through your browser at m.bmo.com. BMO Telephone and BMO Online Banking BMO Telephone Banking is easy, convenient and just a phone call away. Our customer contact agents are able to answer any of your questions and can provide professional financial advice to meet your specific everyday banking, borrowing and investment needs. To access BMO Telephone Banking, call With BMO Online Banking you can quickly and simply manage your banking needs whenever and wherever you want. You can access a range of financial services and products from anywhere, 24 hours a day, 7 days a week 2. To register, visit bmo.com/onlinebanking. In addition to completing your day-to-day banking, you can: send and receive money using Interac e-transfer order travellers cheques and foreign currency open a bank account apply for a loan or mortgage view estatements reorder cheques, change address information, request a stop payment 1 There is no charge to download the BMO Mobile App or to access BMO Mobile Banking. Transactions completed through BMO Mobile Banking may be subject to transaction fees depending on your bank account or Bank. Your mobile carrier or service provider may charge fees when you access BMO Mobile Banking. Check with your mobile carrier or hardware provider if you have questions about your specific device. 2 Subject to interruptions in telecommunications or online systems or in power supply or any other factor or event beyond the control of BMO. Transaction limits apply to orders placed by BMO Telephone and BMO Online Banking

14 Accessing your money continued BMO Telephone and BMO Online Banking continued enhance your security online by downloading Trusteer Rapport, a robust online fraud and identity theft protection solution, at no charge 1 Interac Online Interac Online offers personal banking customers the option of paying for goods and services online directly from their Primary Chequing Account using their BMO Debit Card. The service is secure and easy to use because it links you directly to BMO to complete the payment. And, if you ve selected the AIR MILES or Premium, you may be eligible to earn AIR MILES reward miles on your purchase when you use Interac Online 2. Branch banking BMO Bank of Montreal has over 900 branches across Canada offering you a range of financial services and the convenience of extended hours, including some branches that are open 7 days a week. ATMs BMO ATMs give you convenient access to cash withdrawals, up-to-the-minute account balances, deposits, funds transfers, electronic bill payments, and you can also get a printout of your most recent transactions. You can use your BMO Debit Card to withdraw cash at BMO Cash ATMs, any ATM in Canada with the Interac symbol and throughout the world at any ATM with the Maestro * or Cirrus * symbol. You also have access to the over 1,50 BMO Harris ATMs in the U.S. at no additional charge. Find the nearest ATM with the Branch/ATM Locator in our BMO Mobile Banking app. All of our BMO ATMs have audio capability to help customers with vision loss complete their banking transactions. 100% Electronic Banking Guarantee 100% Electronic Banking Guarantee When you bank online with BMO, you have our 100% Electronic Banking Guarantee, which reimburses you for any losses in the unlikely event of unauthorized online banking transactions 4. 1 Downloading and use of the Trusteer Rapport software is governed by the terms of the Rapport license agreement, which is provided with the software. Bank of Montreal makes no representation or warranty respecting the software or Trusteer s website. You agree Bank of Montreal is not responsible for any difficulties, consequences, costs, claims, damages or losses arising in any way whatsoever out of the downloading or use of the software. 2 Award of AIR MILES reward miles is made for BMO Debit Card purchases minus refunds from your Primary Chequing Account when your Primary Chequing Account is the lead account for the AIR MILES or Premium. The lead account is the one you designate to pay any fees required by your Bank, for example, your monthly fees and transaction fees. The number of AIR MILES reward miles will be rounded down to the nearest whole number. Monthly limits apply to the number of AIR MILES rewards miles you can earn. Subject to your s Monthly Transaction Limit. 4 For complete details of your obligations and responsibilities, please refer to our Bank of Montreal Electronic Banking Services Agreement part of the Agreements, Bank s and Fees for Everyday Banking which is available online at bmo.com/agreements and at any BMO branch

15 Managing your money Keeping an eye on your money couldn t be easier. Now you can track, transfer, and manage your money just the way you want to and free up more time for life s little pleasures. BMO Manage My Finances Make a habit of knowing your spending habits. Now there is a better way to view, track and manage your money so you ll know how much you are saving and where you are spending all in one place! With BMO Manage My Finances you can: consolidate your transactions set your savings goals and spending budgets track your spending habits customize your experience in a secure and safe environment use the Community feature, which allows you to compare your spending to other customers in a similar demographic BMO Manage My Finances is a free service available to personal banking customers through BMO Online Banking and the BMO Banking & InvestorLine App. There is no additional sign-in or password required. Just go to the Manage My Finances tab within BMO Online Banking to take control of your day-to-day money management and reach your financial goals sooner! estatements estatements help you stay on top of your finances and are: free, safe and secure an exact replica of your paper statement stored electronically and available for seven years 1 accessible from anywhere at any time through BMO Online Banking and BMO Banking & InvestorLine App BMO Alerts notify you when your statement is ready for viewing 2. Make the switch from paper and start enjoying the benefits of estatements. To sign up follow these four easy steps: Sign in to BMO Online Banking. Choose any of your accounts from the left-hand navigation. Select Change Statement Options. From the Available Statements Options, choose estatement. epost View and pay your bills with BMO Online Banking and epost. With epost, a free online mail service provided by Canada Post, you can receive, pay, print and store over 200 bills, such as phone, hydro, cable and credit cards bills all online. 1 Everyday Banking statements are archived from June Credit card and line of credit statements are archived from May Receive alerts by or to your smartphone. Standard messaging and data charges may apply

16 Sending money At BMO we provide quick, convenient and secure options to help you send money locally and internationally. Interac e-transfer Interac e-transfer is a convenient, faster way to send and receive money to or from almost anyone in Canada. It has the same level of security as BMO Mobile and BMO Online Banking transactions because the money is never sent by . is only used to notify the recipient and provide collection instructions 1. With Interac e-transfer you can: send money to your child away at school pay money owed to a friend, colleague, family member or neighbour send money to yourself to deposit into an account at another financial institution contribute to an office collection for baby showers, wedding showers, and other events To send an Interac e-transfer, all you need is the recipient s address 2 and then login to BMO Mobile or BMO Online Banking to complete the transaction. 1 Recipients will receive an notification when an Interac e-transfer is available. There may be a delay between sending and receiving the money. Funds are credited to the recipient s bank account immediately after they complete the transaction if they deposit the money online into a bank account at one of the Transfer money between Canada and the U.S. Conveniently transfer funds from your BMO U.S. dollar account to your BMO Harris checking account at no cost 4 through BMO Online Banking. Transfer up to $25,000 U.S. per transaction Funds will be credited to your BMO Harris checking account within two business days 4 Western Union Money Transfers via Interac e-transfer Need a more affordable solution for sending money to family and friends? BMO offers Western Union Money Transfers via Interac e-transfer, through BMO Online Banking. Available to personal banking customers, the Western Union Money Transfer service allows you to send money within Canada and to more than 200 countries and territories connected to the Western Union network. BMO Global Money Transfer With BMO Global Money Transfer (BMO GMT), personal banking customers can send money to a designated bank account in Portugal. It s quick and easy. As soon as you deposit money into your BMO GMT, it s on its way. You can send money to Portugal not only from your branch but from any BMO ATM, by phone, BMO Online or BMO Mobile Banking. And when you have a Bank, you can send money to Portugal for less. We have a preferential arrangement with Millennium Bank, allowing us to offer you lower fees for transfers to Millennium accounts than to other banks in Portugal. Ask us about other banks in Portugal that can receive BMO GMT. participating financial institutions in Canada. Visit interac.ca for a list of participating institutions. 2 Recipient has to accept the transfer before the amount is credited. Versus BMO wire payment services for transfers under $1, Transfers submitted up to and including 4 p.m. ET (Eastern Time) will be processed the same business day. Transfers submitted after 4 p.m. ET will be processed the next business day. Funds will be credited to your BMO Harris account within two (2) business days after the processing date. Transfer fees will be debited and credited to the BMO U.S. dollar account the same business day of the wire transfer initiation and the transaction will be described as wire payment on the account statement. 0 1

17 Making banking better for you At BMO, we re making everyday banking more flexible to fit your needs. Our full range of products and solutions provides you with the tools you need to make the right financial decisions. We give you options that let you bank whenever, wherever and however you like. / Trademarks of Bank of Montreal. * Registered trademarks of AIR MILES International Trading B.V. Used under license by LoyaltyOne, Co. and Bank of Montreal. Interac, the Interac logo and Interac e-transfer are registered trademarks of Interac Inc. Used under license. Trademark of Canada Post Corporation. Used under license. ** Registered trademark of Student Price Card Ltd. * Registered trademarks of MasterCard International Inc. Used under license. * / * The Western Union name, logo and related Trademarks and Service Marks are owned by Western Union Holdings, Inc., are used with permission. Trusteer and Trusteer Rapport are trademarks or registered trademarks of Trusteer, an IBM Company.

18 Notes 4 5

19 How to contact us We want your everyday banking to be as convenient and easy to understand as possible. If you have questions or concerns, we re here to help. You can contact us by: Calling CALL BMO ( ) TeleTypewriter (TTY) Visiting bmo.com/personal Dropping by any BMO branch Additional services Wheelchair access: To find the location of the nearest BMO branch with wheelchair access, please contact us at CALL BMO ( ). Lost or stolen BMO Debit Cards If your BMO Debit Card is lost or stolen, be sure to notify us as soon as possible (within 24 hours). During business hours, contact your local BMO branch. Outside of business hours, speak to a customer contact agent at CALL BMO ( ) APGUIDE-E (06/15) The First Canadian Bank

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