Notes: Preferred interest rates do not apply to Registered Accounts. Registered accounts receive standard interest rates.
On cash or margin accounts interest is not paid or charged if less than $5 per month. On registered accounts interest is not paid if less than $5 per month. Interest rates paid on cash balances or charged on debit balances in your BMO InvestorLine account are subject to change without notice. Interest is calculated on the average monthly credit and/or debit balance in (the bank account component of) your BMO InvestorLine account during the period from the 22nd day of the previous month through to and including the 21st day of the current month, and is posted to your account on the 22nd day of the month.

Preferred Interest Rates on Canadian $ Accounts

Receive the following preferred rates on your Canadian $ cash balances:

Cash Balance Standard Rate Silver Star Client Rate Gold Star Client Rate
$0 - $24,999 0.00% 0.00% 0.00%
$25,000 - $99,999 0.00% 0.00% 0.00%
$100,000 - $249,999 0.00% 0.00% 0.00%
$250,000 + 0.00% 0.00% 0.00%

Receive the following preferred rates on your Canadian $ margin debit balances:

Margin Debit Balance Standard Rate Silver Star Client Rate Gold Star Client Rate
$0 - $24,999 3.50% 3.50% 3.50%
$25,000 - $99,999 3.50% 3.00% 3.00%
$100,000 + 3.50% 2.50% 2.25%

Interest rates are subject to change without notice.


Preferred Interest Rates on US $ Accounts

Receive the following preferred rates on your US $ cash balances:

Cash Balance Standard Rate Silver Star Client Rate Gold Star Client Rate
$0 - $24,999 0.00% 0.00% 0.00%
$25,000 - $99,999 0.00% 0.00% 0.00%
$100,000 - $249,999 0.00% 0.00% 0.00%
$250,000 + 0.00% 0.00% 0.00%

Receive the following reduced rates on your US $ margin debit balances:

Margin Debit Balance Standard Rate Silver Star Client Rate Gold Star Client Rate
$0 - $24,999 4.75% 4.50% 4.50%
$25,000 - $99,999 4.75% 4.25% 4.25%
$100,000 + 4.75% 4.00% 3.75%

Interest rates are subject to change without notice.

(Effective as of April 22, 2009)