Terms and Conditions*

Cash Incentive Promotion
November 02, 2009 – January 03, 2010

To qualify for the $250 credited to your BMO InvestorLine account, you must have a minimum balance of $100,000 CDN when you open your new account, or deposit or transfer a minimum of $100,000 CDN into your existing account (RRSP and non-registered) and maintain it for six (6) months after your account has been funded.

OR

To qualify for the $600 credited to your BMO InvestorLine account, you must have a minimum balance of $250,000 CDN when you open your new account, or deposit or transfer a minimum of $250,000 CDN into your existing account (RRSP and non-registered) and maintain it for six (6) months after your account has been funded.

The cash incentive ($250 CDN or $600 CDN) will be deposited into your RRSP or Non-Registered BMO InvestorLine account up to eight (8) months after the account opening date, and/or funding date of your BMO InvestorLine account.

Important note: For clients who open an RRSP account, or deposit or transfer the minimum assets into their account, the $250 or $600 bonus will be deposited in the account by BMO InvestorLine on behalf of the issuer, BMO Trust Company. The cash incentive value deposited into the account will not be considered a contribution; you will not receive a tax receipt.

A promotion code 'CASH' MUST be entered into the Online Application (OLAP) at the time of application for your new BMO InvestorLine account in order to qualify.

Offer available to select clients and new accounts opened between November 02, 2009 to January 03, 2010. BMO InvestorLine may change the end date of this offer at any time.

Eligibility

The cash incentive offer is available to registered and non-registered accounts, subject to the exceptions listed below.

Locked In accounts are not eligible, no exceptions.

Self-directed registered retirement income fund (RRIF) accounts are not eligible.

Corporate non-registered accounts are eligible.

In addition, the following accounts are not eligible: Tax Free Savings Account (TFSA), Delivery Against Payment (DAP), BMO Employee Share Ownership Plan (ESOP), Personal Holding Company, Discretionary, Investment Club/Partnership, Estate, all Formal and Informal Trust accounts, Association, Prospect, and Financial Collateral.

BMO ESOP transfers are not permitted and are not eligible and are not included in this offer. No exceptions will be made.

Within the 6 month promotional period of your account opening date, your BMO InvestorLine account must be in good standing. Your account must not be in the debit position. Your account should not have any margin calls. No outstanding documentation or any other outstanding items should be pending on your account.

Maximum one (1) offer per client - regardless of the number of accounts that are opened and/or funded during the promotion.

Examples

EXAMPLE	QUALIFYING OFFER
John Smith opens one (1) new Non-Registered account and deposits $100,000+ and the funds remain in the account after the 6 month period.	$250 deposit into non-registered account.
John Smith opens one (1) new RRSP account and deposits $100,000+ and the funds remain in the account after the 6 month period.	$250 deposit into the RRSP account.
John Smith opens one (1) new Non-Registered account and deposits $250,000+ and the funds remain in the account after the 6 month period.	$600 deposit into non-registered account.
John Smith opens one (1) new RRSP account and deposits $250,000+ and the funds remain in the account after the 6 month period.	$600 deposit into the RRSP account.
John Smith opens one (1) new RRIF or Locked In account and transfers $100,000+ and the funds remain in the account after the 6 month period.	RRIF and Locked In accounts are not eligible for the offer.
John Smith opens three (3) new Non-Registered accounts and deposits $100,000+ in each account and funds remain in the account after the 6 month period.	One (1) $250 deposit into one (1) non-registered account. * Maximum one (1) offer per account per client name.
John Smith opens one (1) new Non-Registered account and deposits $100,000+ and the funds remain in the account after the 6 month period. John Smith also opens a joint non-registered account with his spouse and deposits $100,000+ in the account.	One (1) $250 deposit into one (1) non-registered account. * Maximum one (1) offer per account per client name.
John Smith opens one (1) new Non-Registered account and deposits $250,000+ and the funds remain in the account after the 6 month period. His wife, Sally Smith also opens one (1) new Non-Registered account and deposits $250,000+ and the funds remain in the account after the 6 month period.	One (1) $600 deposit into John Smith’s non-registered account. One (1) $600 deposit into Sally Smith’s non-registered account. *2 different clients, 2 different accounts
John Smith opens one (1) new Non-Registered account and deposits $250,000+ and transfers out $20,000 before the 6 month mark and does not replenish the account with funds.	Client not eligible for the offer – insufficient funds for offer.

This offer cannot be combined with any other BMO InvestorLine promotional offer.

By agreeing to participate in this offer you acknowledge that BMO InvestorLine will be sharing this information between BMO Financial Group entities.

BMO InvestorLine is a member of BMO Financial Group. ®Registered trade-mark of Bank of Montreal, used under licence. BMO InvestorLine Inc. is a wholly owned subsidiary of Bank of Montreal Holding Inc. Member CIPF and IIROC.

*Terms and Conditions updated as of November 6, 2009