Terms & Conditions - BMO InvestorLine Self-Directed

Open and fund your first Self-Directed account and get up to $3,500.

The Promotion
The Promotion begins on Tuesday, March 5, 2024, at 12:00 AM ET and ends on Monday, June 3, 2024, at 11:59PM ET
(the "Promotion Period") and applies only to new BMO InvestorLine Self-Directed clients (referred to in this
document as “you”) who open and fund a qualifying Self-Directed Account (the "Promotion Account").

The Award
Deposit at least $5,000 Net New Assets (“Net New Assets” or “NNA”) into the Promotion Account and we will deposit
up to $3,500 (the “Award”) into your account. *Net New Assets defined in paragraph 4 under the section titled
“Please Note”.

The more you invest, the more you could earn

While the minimum investment required to qualify for this promotion is $5,000, see just how much you could get
toward your Self-Directed account as you invest more.

$5,000 - $24,999 $200

$25,000 - $99,999 $300
$100,000 - $249,999 $400
$250,000 - $499,999 $500
$500,000 - $999,999 $1,000
$1,000,000 - $1,499,999 $2,000
$1,500,000+ $3,500

Exclusive $50 bonus for BMO Bank of Montreal (‘BMO’) customers

BMO customers who have already or who open a BMO chequing or savings account, BMO credit card, mortgage,
retail investment (GIC or Mutual Fund) or retail lending account by June 30, 2024 (the “Funding Deadline”) will be
eligible to receive an additional $50 on top of the cash Award they qualify for. The maximum cash Award you can
receive is $3,550.

Qualifying Account Types (Self-Directed only)

BMO InvestorLine Self-Directed Cash or Margin (individual or joint), Corporate, Sole Proprietorship, TFSA, RRSP, RRIF,
Spousal RRSP, and Spousal RRIF.

How to Qualify
• Account Opening: Open a Self-Directed Promotion Account between March 5, 2024, and June 3, 2024,
using the promotion code: SDCASH
Account Funding: Fund at least $5,000 in Net New Assets into the Promotion Account by June 30, 2024, and
maintain this amount until November 30, 2024 (the “Holding Period”).

PLEASE NOTE:

1. Offer eligibility limited to new Self-Directed clients only. If you already have a Self-Directed account, you will
not be entitled to receive the cash Award.

2. Limit of one Award per client. In the case of a joint account, only the primary account holder will be entitled
to receive the cash Award.

3. Net New Assets are cash and/or securities sourced from a non-BMO Wealth Management account. Assets
held at any time prior to the start date of the Promotion in an account with BMO InvestorLine Inc., BMO
Nesbitt Burns Inc., BMO Private Investment Counsel Inc., or BMO Investments Inc. do not qualify as Net
New Assets and cannot be used to fund the Promotion Account. The originating source of the assets will be
 tracked from the beginning of the Promotion Period (March 5, 2024) through to the end of the Holding
Period (November 30, 2024).

4. You may only have one (1) Promotion Account. Deposits that are split across more than one account will
not be considered for eligibility irrespective of whether you meet the Net New Asset minimum threshold
(for example, $2K in an Individual Investment account and $5K in a Joint Investment account). If during the
Promotion Period you open or fund more than one Promotion Account that are tied to the same User ID
and using the same promotion code, the following criteria will be used to select the Qualifying Account that
will receive the Award, in descending priority:

i. The Qualifying Account with the highest Net New Asset transfer as of June 30, 2024 (the funding
deadline) will be automatically selected to maximize your Award.
ii. Cash Qualifying Accounts will be selected over registered or margin Qualifying Accounts.
iii. The Qualifying Account with the most recent opening date will be selected; and
iv. If more than one Qualifying Account is opened on the same date, the Qualifying Account with the
lower account number will be selected.

5. The Award will be paid into the Promotion Account the week of December 9, 2024, provided you comply
with all requirements outlined in these Terms and Conditions including maintaining the minimum Net New
Assets balance in your Promotion Account and across all your BMO InvestorLine Self-Directed accounts as of
March 5, 2024, until November 30, 2024. Your Award will be determined based on the cumulative sum of
Net New Assets deposited into the Promotion Account by the Funding Deadline.

See scenario below for further clarification

During promotion period David opened a new Individual Investment account (his Promotion
Account) with $5k NNA. Two months later, he deposited an additional $100K NNA into his
Promotion Account. Since $105K Net New Assets were deposited to his Promotion Account by the
Funding Deadline, he qualifies for a $400 cash Award.

6. Withdrawals across any of your BMO InvestorLine Self-Directed accounts during the Holding period will be
deducted from your Net New Assets. You will not qualify for the Award if during the Holding Period
withdrawals across any of your BMO InvestorLine Self-Directed accounts cause your Net New Assets to
drop below the minimum threshold.

See scenarios below for further clarification

1. During the Promotion Period David opened a new registered account with a $300K deposit ($5K
was the min. requirement to meet promotion eligibility) and qualifies for a $500 Award. However,
during the Holding Period, he withdrew $50K from his non-registered account.
o This brings his Net New Assets to $250K.
o Since $250K is the minimum threshold for the $500 Award, he remains eligible.

2. During the Promotion Period David opened a new Individual Investment account. He deposited
$10K before the Funding Deadline, but during the Holding Period, he withdrew $10K from his
account.
o This brings his Net New Assets to $0.
o Since $5K is the minimum threshold, he no longer qualifies for the offer.

7. The Promotion Account must be in good standing throughout the Holding Period to qualify for the Award. If
during the Holding Period the Promotion Account has: (a) been in a debit position, (b) had unfunded margin
calls, or (c) had outstanding documentation or other pending items, the Promotion Account may be deemed
ineligible, in our sole discretion.

8. You will continue to qualify for the Award if during the Holding Period market fluctuations cause your Net
New Assets to fall below the minimum threshold.
 9. BMO InvestorLine may cancel, suspend, revise, or change the offer and terms of the Promotion (including
the Promotion Period) set out herein, without notice, at any time and for any reason, in its sole discretion.
BMO InvestorLine further reserves the right, in its sole discretion, to immediately disqualify any client from
eligibility for the offer and Promotion set out herein and any future offers and associated promotions, if
found or considered by BMO InvestorLine to be engaged in any conduct that impairs the fair operation
and/or integrity of the offer and Promotion.

10. There may be tax implications to the Award. For registered accounts, no tax receipt will be issued for the
Award. If you require tax advice, please contact your personal tax advisor.

11. BMO Employee Share Ownership Plan transfers are not permitted and are not eligible and are not included
in this Promotion. No exceptions will be made.

12. This offer cannot be combined with any other BMO InvestorLine promotional offer other than BMO
InvestorLine’s Affiliate promotion.

BMO InvestorLine Inc. is a member of BMO Financial Group. “BMO (M-bar Roundel symbol)” is a registered trademark of Bank of Montreal, used under
licence. BMO InvestorLine Inc. is a wholly-owned subsidiary of Bank of Montreal. Member - Canadian Investor Protection Fund and Member of the
Canadian Investment Regulatory Organization.

BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates, including BMO
InvestorLine Inc., in providing wealth management products and services.

"BMO Financial Group" and "BMO Bank of Montreal" are trade names used by Bank of Montreal.