Rapport is easy to install and use, and works with your existing firewall and anti-virus protection to further protect your computer. Rapport will:

• Protect the connection between BMO InvestorLine's website and your computer against common online threats.
• Ensure you have accessed BMO InvestorLine's website and not a website claiming to be BMO InvestorLine's website .

Learn more about Rapport

How do I know Rapport is protecting me?

Once you have installed the software, look for the Rapport icon that will appear near your browser's address bar.

The Rapport icon will appear in green when you are protected:

If the icon appears in grey, Rapport has not been enabled to protect the website you are visiting:

If you require any assistance using the software please contact Trusteer directly at: support@Trusteer.com

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.

About Cache

Cache has been designed to improve performance and reduce network traffic. When you view a web page, it is stored in both your browser's memory cache and your computer's disk cache.

Your browser relies on its memory cache when you use the browser's "Back" button. Rather than going to the network to retrieve the page, the page is retrieved from the browser's memory cache. After you have signed out of your BMO InvestorLine account, transactions cannot be executed. However, information may be viewed using the browser's "Back" button. To protect the confidential nature of your personal information, we highly recommend that you clear your browser's memory cache or close your browser (which will also clear the browser's memory cache) after your session.

You should also be aware that by retrieving a page from cache, you may be provided with "stale" information. To ensure the page you are viewing is accurate and up to date, select the "Refresh" (Microsoft IE) or "Reload" (Firefox) option from your browser's toolbar.

To Clear Your Cache
If you are using any version of Microsoft Internet Explorer 7.0:

1. From your browser menu, select "Tools"
2. From the "Tools" drop-down menu, select "Internet Options"
3. From the "Internet Options" window, select "General"
4. From the "General" tab, look for the "Browsing History" section near the middle of the window, click on "Delete." and a new window should pop-up. Click on "Delete files." under the "Temporary Internet Files" subheading.
5. A new window appears with the option to delete all your offline content/temporary files. If available, check the box beside "Delete all offline content". Click "OK" then close the "Delete Browsing History" window. Select "OK" at the bottom of the "Internet Options" window.

If you are using any version of Firefox 2.0:

1. Click Tools and select Options on the Firefox menu bar.
2. Click the Privacy Icon on the Option menu bar to open the Privacy Properties.
3. Click Clear across from the Cache option.
4. Click Ok to return to the browser main page.
5. Exit and relaunch the browser.

BMO InvestorLine's use of cookies
BMO InvestorLine uses cookies in a number of locations. For example, cookies are used to allow you to save your search results when you use our stock screening tools. Additionally, we may use pixel tags (also known as clear gifs) and cookies in promotional email messages and online advertising. These tools allow us to measure the effectiveness of our advertising and promotional campaigns.

You may determine if and how a cookie will be accepted by your computer by choosing specific "preferences" or "options" in your computer's browser. However, please note that cookies must be enabled in order to use certain features within the BMO InvestorLine web site.

1. Check the box beside "Override automatic cookie handling", click on "Accept" First-party Cookies
2. Also check the box beside "Always allow session cookies"
3. Click "OK" at the bottom of the "Advanced Privacy Settings" window

If you are using any version of Firefox 2.0 or higher:

1. Click Tools and select Options on the Firefox menu bar.
2. Click the Privacy Icon on the option menu bar, to open the Privacy Properties.
3. Click the Cache button to extend the Cache Properties.
4. Click to check mark the box for Allow sites to set cookies.
5. Click to remove the checkmark to disable the for the originating web site only option.
6. Click the arrow to select until they expire in the Keep Cookies field.
   Note: If this option is already checked, close the window to accept the Cookies settings.
7. Click Ok to return to the browser main page.
8. Exit and relaunch the browser.

For more information about cookies please visit: Microsoft

Browser & Security Information

Among the several features that we have introduced to assist you in protecting your personal and financial information, our web site supports the following browsers:

BMO InvestorLine	adviceDirect
Internet Explorer browsers, version 7.0 or higher for Windows platform Firefox browsers, version 3.0, 4.0 and 5.0 for Windows platform For Apple Macintosh computers, our site is optimized for Safari web browser version 3.1 and Firefox version 3.0 for Mac running on OS X version 10.4.8 or higher.	Internet Explorer browsers, version 7.0 or higher for Windows platform Firefox browsers, version 3.0 or higher for Windows platform Chrome browsers, version 10 and higher for Windows platform For Mac users, the site is optimized for Safari 3.2.1 and higher running on OSX version 10.4.

Encryption is a means of scrambling information for transmission, in this case, between your PC and the Bank's computing systems. Information that is encrypted at one end is decrypted (decoded) upon receipt at the other end.

BMO Financial Group and BMO InvestorLine require that our clients use at least 128 bit encryption (and up to 256-bit encryption) when conducting financial transactions over the Internet. We also recommend the use of up to 256-bit encryption for all non-financial transactions over the Internet, e.g., the use of BMO InvestorLine's Online Application.

If you are a BMO InvestorLine client and wish to access your account through our web site, please ensure that you have a browser up to 256-bit encryption. If your browser doesn't operate at this level of encryption, you will likely see an "Insufficient Encryption" message when you try to sign into your account.

You can find out what version of web browser you are using by looking under the Help menu within your browser program. For your own protection and security we recommend that you upgrade to the latest version of Firefox, Chrome, or Safari by clicking on the respective icon below:

NOTE: Internet Explorer (IE) 8.0 has a feature that affects session cookies in the following way: when you open multiple IE browser windows, the same session cookie could apply to every window.

For BMO InvestorLine clients, in the event you place a trade in one IE browser window and you open a second IE browser window using the New Window, New Tab or Duplicate Tab from the File menu or by clicking a desktop shortcut, this trade could also end up in the account which appears in that second IE browser window.

To avoid this problem, simply choose New Session from the File menu when you open an additional browser window. This will prevent two browser windows from sharing one session cookie.

Online Security Guarantee

100% reimbursement in the event of unauthorized transactions through BMO InvestorLine.

To ensure superior quality client service, we will guarantee a 100% reimbursement for any unauthorized transactions conducted in your BMO InvestorLine account that results in a direct loss.

To ensure reimbursement under this guarantee, there are a few steps you'll need to take, including:

• Signing out and closing your Internet browser at the end of each online investing or online banking session;
• Keeping your password confidential;
• Reviewing your online account activity, statements and trade confirmations; and
• Calling us within 5 days if you suspect your password or your BMO InvestorLine account number has become known to someone else without your permission, if there has been suspicious activity in your account that you did not authorize or you suspect your computer system has been compromised by a virus or spyware. Call us at immediately at 1 888 776-6886.

To help you protect your information, BMO InvestorLine conducts periodic reviews of the security of our computer systems to ensure they are not compromised. At BMO InvestorLine, information security is of paramount importance and our employees are fully aware of their responsibilities to keep customer information safe secure and confidential. Whether you choose to deal with us online, over the telephone or in person, we follow rigorous security procedures and use state of the art technologies to protect your information and transactions against unauthorized access, disclosure, alteration and misuse.

While we do our utmost to ensure security and confidentiality, there are steps you can take as well to enhance your security when using the Internet and when conducting business online. We encourage you to review the Security & Privacy Frequently Asked Questions, which gives you a complete look at the tools and safe computing practices we offer to help you enhance your online security.

In addition to this, here are some easy steps that can help keep your personal information secure:

Manage your passwords
Keep your passwords safe by never disclosing them, changing them regularly and ensuring the passwords you select are not overly simplistic.

Safeguard your computers
In addition to using a firewall and anti-virus software, protect your computer's privacy by regularly installing security updates, clearing your browser's cache and protecting your laptop with a password. Keep in mind that anti-virus programs often cannot detect spyware on your computer. You may need a special spyware removal program.

Practice safe surfing
Take steps to protect yourself against "phishing"— a type of online fraud that asks you to disclose private information. Think twice before clicking on links embedded in emails asking you to log into your account. Other signs that a site may be suspicious include misspelled or slightly altered website addresses. Check the URL in your browser to make sure the website is authentic.

Check for security
Legitimate organizations that allow you to conduct online transactions generally take steps to safeguard your security. Look for the security certificate on each site to make sure it is valid. You can confirm this by double-clicking on the locked padlock icon. By informing yourself about ways to stay safe online, you do more than protect the confidentiality of your data. You also arm yourself with the knowledge you need to enjoy the benefits of online investing transactions. In the event that you notify us of an unauthorized transaction, we will work closely with you to complete a prompt and thorough investigation. We will rely on your assistance in taking all necessary measures to protect you from additional losses. This includes your permission to employ a third party to investigate and review the virus present on your computer.

What We Do
Some of the security measures we have in place to help protect you when using our online investing services include:

• Strong encryption technology to help ensure that data passing between your PC and our web server is secure. Therefore you must have a browser that supports this level of encryption (in technical jargon: 128 bit encryption).
• Digital certificates issued by trusted third-party companies to let you know that our website is secure and genuine.
• Automatic log out after 15 minutes of inactivity.
• Firewalls to protect your information with us.

What We Don't Do

• We never send you messages asking you to provide us with personal or account information via email (i.e. phishing). If you do receive an email that appears to be from BMO InvestorLine asking you for personal information, please contact us immediately.

What You Can Do

• Ensure you have installed the latest Spyware detection and firewall software on your computer(s).
• Do not share your account numbers and Passwords with anyone.
• Keep in mind that email messages are not encrypted and therefore are subject to being intercepted and read by third-parties. Please do not send us any personal information by email.
• Do not use public computers to login to your BMO InvestorLine account, always use your own secure connection.

*Terms and Conditions apply.

Security Guarantee Terms and Conditions

1. Security Guarantee:
Subject to Sections 2 and 3 below, BMO InvestorLine will indemnify you for monetary losses resulting directly from any unauthorized transactions in your BMO InvestorLine account. This does not include any monetary losses resulting directly from any unauthorized transactions in your BMO Bank of Montreal bank account. We may amend the terms and conditions of, or revoke, this security guarantee at any time without prior notice. For the purpose of this security guarantee, an "unauthorized transaction" refers to a transaction that was carried out in your BMO InvestorLine account through online investing without your permission, authorization or knowledge where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation. For greater certainty, an "unauthorized transaction" does not include any transaction carried out in your account by any person acting under any authority to trade in your account or to otherwise act on your behalf.

2. Your Responsibilities:
BMO InvestorLine will not indemnify you and will refuse all requests for compensation pursuant to this security guarantee unless you:

• notify us immediately upon discovering an unauthorized transaction but in any event, no later than 5 business days after the date you receive your monthly account statement following the date of the unauthorized transaction;
• notify us immediately if you know or suspect that your BMO InvestorLine account number or your username, and/or your password has become known to someone else or if there has been any suspicious activity in your account; and
• cooperate fully and provide all information and take all actions that we reasonably request when investigating an alleged unauthorized transaction.
• grant BMO InvestorLine your permission to employ a third party to investigate and review the virus present on your computer.
• abide by the terms and conditions of the BMO InvestorLine User Agreement, as well as the agreements governing your personal or business banking or brokerage account(s) or other financial service or product offered by us.

3. Limitations:
BMO InvestorLine will not indemnify you and will refuse all requests for compensation pursuant to this security guarantee if we have reason to believe that:

• we have reason to believe that you failed to maintain a current version of antivirus and firewall software;
• you engaged in, alone or in concert with others, any fraudulent, criminal or dishonest acts relating to the unauthorized transaction;
• you shared your BMO InvestorLine account number or password with any other person including, without limitation, an online account aggregation service provider, or were otherwise negligent or careless in keeping your BMO InvestorLine account number or password confidential; (d) you accessed online investing using a computer that would reasonably be believed to contain software that had the ability to reveal to a third party, or to otherwise compromise, your BMO InvestorLine account number or your password; or
• you failed to take reasonable precautions to prevent an unauthorized transaction (for example, you failed to sign out and close your Internet browser at the end of your online investing session).

Limitation of Liability: BMO InvestorLine will not under any circumstances, indemnify you or provide you with any compensation other then as detailed in Section 1 above or be otherwise liable to you for any indirect, consequential, special, aggravated, punitive or exemplary damages whatsoever, in who or in part (including but not limited to any business interruption, loss of profit, loss of opportunity, market loss, or any other commercial or economic loss) resulting from an unauthorized transaction in your account, even if we have been advised of the possibility of such damages.