About BMO InvestorLine

• Why BMO InvestorLine online investing services?
• What types of accounts can I open at BMO InvestorLine?
• How can I open a BMO InvestorLine account?
• Is there a minimum amount needed to open a BMO InvestorLine Account?
• Is my account with BMO InvestorLine protected under CIPF?
• Can I get investment advice from BMO InvestorLine?

Why BMO InvestorLine online investing services?
BMO InvestorLine online investing service provides independent investors with excellent service and fast, efficient trade execution for a wide range of investments, including stocks, options, bonds, GICs and mutual funds. Our low commissions are highly competitive and our clients enjoy access to trading, quotes and account information 24 hours a day through Automated Telephone Trading or the web. To further assist you, our BMO InvestorLine Representatives are available Monday to Friday from 8:00 a.m. to 8:00 p.m. ET. We offer our clients tools to assist in making self-directed investment decisions; we do not offer advice or recommendations to clients.

If you feel you need investment advice, a BMO Nesbitt Burns Investment Advisor can provide you with the range of investment products and relationship style you need in order to create a financial strategy that's appropriate for you.

What types of accounts can I open with BMO InvestorLine?
You can apply online to open any number of accounts at BMO InvestorLine, including: cash or margin investment accounts, self-directed RRSPs and RRIFs, locked-in retirement accounts (LIRAs), life income funds (LIFs) and locked-in retirement income funds (LRIFs) and RLIFs (Restricted Life Income funds) and RLSPs (Restricted Life Income Funds).

How can I open a BMO InvestorLine account?
A client account application form needs to be completed. It's simple to obtain an application to open an account. You can simply:

• Complete an online application
• Download and print a copy from this web site
• Call 1-888-776-6886 during our business hours from 8:00 a.m. - 8:00 p.m. ET, Monday to Friday.
• Drop into any BMO Bank of Montreal branch

Is there a minimum amount needed to open a BMO InvestorLine Account?
The minimum amount needed to open a BMO InvestorLine account is $5,000. Your initial balance can be a deposit, transfer, or a combination.

Is my account with BMO InvestorLine protected under CIPF?
BMO InvestorLine is a member of the Canadian Investor Protection Fund (CIPF). As such, clients' accounts at BMO InvestorLine are covered by CIPF up to $1,000,000. The CIPF does not cover clients' losses that result from changing market values. Visit the CIPF for more information or contact us for a brochure for more details.

Can I get investment advice from BMO InvestorLine?
BMO InvestorLine does not offer advice or recommendations through the Self-Directed service. We do offer advice through our adviceDirect service which acts like a virtual investment advisor.
With adviceDirect you get personalized investing advice for your portfolio. This includes easy to understand ratings for all available stocks, Mutual Funds and ETFs. adviceDirect continuously monitors your portfolio ensuring you stay aligned with your personal investing style. It also instantly notifies you with unbiased buy and sell recommendations when your portfolio’s asset allocation, diversification or risk requires your attention. Finally - adviceDirect provides personal support and guidance through a dedicated team of licensed investment specialists.