The sole sponsor of the following promotion, the "Win with eStatements Contest” (the "Contest"), is BMO InvestorLine Inc. ("BMO InvestorLine"). The Contest shall only be construed and evaluated according to Canadian law.

How to Enter:

No purchase is necessary. The contest period is from December 1st to December 31st, 2007. There are three (3) ways to enter electronically:

1. Sign up for eStatements by selecting the eServices option of your Account Profile. Sign into your account online at bmoinvestorline.com, and edit your Account Profile found under the Account Services section.
2. Call a BMO InvestorLine representative to sign up your account for eStatements.
3. Non-account holders of BMO InvestorLine will receive one (1) contest ballot after completion of the Online Application process (and signing up for eServices in the appropriate field) for a new account with BMO InvestorLine within the BMO InvestorLine website (bmoinvestorline.com or bmolignedaction.com). This ballot will be eligible only after BMO InvestorLine has approved your account application.

For "No Purchase" entries, you can enter by mail. “No Purchase” entries will be eligible for the last prize draw only. Please write, by hand, a 1,000-word essay in English or French on BMO InvestorLine’s Guided Investing®. Submissions should be on a plain piece of paper and must include your name, address, age and daytime telephone number at the end of the essay. Entries cannot be mechanically reproduced. Each entry by mail must be sent in a separate, postage-paid envelope to: BMO InvestorLine “Win with eStatements Contest”, 100 King Street West, 54th floor, Toronto ON M5X 1H3. Only one (1) mailed-in entry per household during the contest period will be accepted.

All entries must be received no later than 5:00 p.m. Eastern Time ("ET") on December 31, 2007, after which time the Contest will be closed.

The odds of being selected in the random draw(s) depend on the number of eligible entries actually received.

Prizes:

There are fifty (50) Prize(s) each consisting of one (1) copy of Sherry Cooper’s new book “The New Retirement: How It Will Change Our Future”. Approximate retail value of each Prize is Twenty-Six dollars ($26.00 Cdn).

Prizes must be accepted as awarded and are non-transferable. Prizes may not be substituted for different items.

How to win: 

The draw will include ballots from all eligible entries received. One ballot per account. In order to win, each selected entrant must first correctly answer, unaided, arithmetical, skill-testing question on the release form. The chances of winning depend on the number of entries received.

A random draw will be conducted by BLACK, a third-party independent communications agency, on the following days, from all eligible entries received.

Prize draw date: January 2, 2008 at 5:00 pm ET.

All draws will take place in Toronto, Ontario. The prizes will be awarded to the first entry drawn excluding duplicates.

In order to win, the entrant must hold an active BMO InvestorLine account, or have had their Online Application approved by BMO InvestorLine, or have entered their “No Purchase” essay by December 31, 2007 before 5:00 pm.

Potential winners will be contacted by telephone. Attempts will be made to contact potential winners using the telephone numbers listed in our client database, or on the information provided on the mailed in entry, for a period of five (5) business days. If efforts to communicate with the potential winner have not been successful by 11:59 p.m. ET at the end of the 5th business day after the day the potential winner's ballot was drawn, the selected entrant will no longer be eligible to win and another entrant will be drawn and the process of contacting the new potential winner will be repeated.

Only potential winners will be contacted. To be confirmed as a winner, the potential winners must correctly answer a mathematical skill-testing question, must be eligible according to the official rules and must sign a waiver form and liability/publicity releases.

General:

To enter and be eligible to win, entrants must be individuals permanently residing in Canada who are of the age of majority in their province of residence. The employees, representatives and agents of Bank of Montreal, BMO InvestorLine Inc., any of their affiliates, BLACK, and their respective advertising, media buying, promotion agencies, and members of their respective immediate families, persons with whom any of the foregoing are domiciled, are not eligible to enter this contest.

By entering, entrants acknowledge that they have read these official rules and agree to abide by the official rules of the Contest and the decisions of BMO InvestorLine and BLACK, which are final. To accept the prize(s), the winner(s) will be required to sign a waiver form and liability/publicity releases granting BMO InvestorLine or the Bank of Montreal permission to use their names, address, voice, comments, and photograph for publicity purposes without compensation. If a potential winner fails to sign and return the waiver form within 21 days, BMO InvestorLine reserves the right to void that entry and select another eligible entrant.

This Contest is subject to all applicable federal, provincial, and municipal laws and regulations. For residents of Quebec, any litigation involving a Quebec resident respecting the conduct or organization of a publicity contest may be submitted to the Régie des alcools, des courses et des jeux for a ruling. Any litigation involving a Quebec resident respecting the awarding of a prize may be submitted to the Régie des alcools, des courses et des jeux only for the purpose of helping the parties reach a settlement. No purchase of any product or service is required in order to enter this Contest.

The names of all winners will be posted online on or after February 1, 2008, and will also be available by sending a self-addressed envelope bearing sufficient postage to: Winners List, BMO InvestorLine Win with eServices Contest, 100 King Street West, 54th floor, Toronto ON M5X 1H3.

All written entries are the property of BMO InvestorLine and will not be returned. BMO InvestorLine assumes no responsibility for lost, delayed, destroyed or misdirected entries. BMO InvestorLine will use the contact information in the entry for administration of this Contest. BMO InvestorLine may retain and use this information for future marketing of its products and services to you and may share it within the BMO Financial Group (that is, the Bank of Montreal and its subsidiaries and affiliates) which provides deposit, loan, investment, securities, brokerage, insurance, trust and other products and services. If you do not wish your information retained, shared or to be used for these purposes, please contact BMO InvestorLine by writing to us at BMO InvestorLine Marketing Department, 100 King Street West, 54th Floor, Toronto, ON, M5X 1H3. For complete details on our commitment to privacy, please refer to our Privacy Code available online at www.bmo.com/privacy.

BMO InvestorLine is not responsible for any failure of the website during the contest period, including any problems or technological malfunctions of any computer online systems, servers, access providers, computer equipment, software, failure of any email or entry to be received on account of technical problems or traffic congestion on the Internet or website, or any combination thereof including any injury or damage to the entrant's or any other person's computer related to or resulting from downloading any material in the Contest, all of which may affect an entrant's ability to participate in the contest.

BMO InvestorLine reserves the right to cancel or suspend the online portion of the Contest should a virus, bug or other cause beyond the reasonable control of BMO InvestorLine corrupt the security or proper administration of the Contest. If, for any reason, the draws are not capable of running as planned, including infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of BMO InvestorLine, which in the opinion of BMO InvestorLine corrupt or affect the administration, security, fairness, integrity or proper conduct of these draws, BMO InvestorLine reserves the right, at its sole discretion, to cancel, terminate, modify or suspend the draws, subject to the approval of the Régie des alcools, des courses et des jeux.

All decisions of BLACK are final and the contest sponsors and judging organization shall not be held responsible for any errors or negligence that may arise or occur in connection with the Contest.