Grants (CDSG) and Canada Disability Savings Bonds … · Occupation(s) Source of Wealth (See Branch...

Form No. 435 (01/14)

IMPORTANT INFORMATION

In order for the Beneficiary to be eligible to receive Canada Disability SavingsGrants (CDSG) and Canada Disability Savings Bonds (CDSB), informationprovided on the BMO Disability Savings Plan application form must matchexactly to the information on file with Human Resources and SkillsDevelopment Canada (HRSDC) and Canada Revenue Agency (CRA) for theAccountholder(s), Beneficiary and Primary Caregiver (if applicable).

Note: Ensure that the correct HRSDC CDSB/CDSG Application Form is completed.Include all PCG information on the applicable grant forms. For beneficiaries age 18 at the time the application for the Disability Savings Plan is made andthose who turned 18 during the year of the application, the HRSDC form forBeneficiaries Aged 18 or Over must be completed. In addition, Part C of theHRSDC form for Beneficiaries Under the Age of 18 must be completed since the PCG information at the beginning of the year is mandatory to apply forCDSG and/or CDSB.

ATTENTION: BRANCH EMPLOYEES

Clients may require assistance with completing and/or transmitting theRegistered Disability Savings Plan (RDSP) application to

BMO Investment Centre (BMO IC).

Fax all completed RDSP applications to 1-888-840-2817 or 1-888-840-2816 and advise the client that A BMO IC representative will be

contacting them to review the application.

If the client requires assistance with completing the application, please directthe client to BMO IC at 1-800-665-7700 or visit the RDSP website at:

bmo.com/RDSP/process

Form No. 435 (01/14)

IMPORTANT INFORMATION

In order for the Beneficiary to be eligible to receive Canada Disability SavingsGrants (CDSG) and Canada Disability Savings Bonds (CDSB), informationprovided on the BMO Disability Savings Plan application form must matchexactly to the information on file with Human Resources and SkillsDevelopment Canada (HRSDC) and Canada Revenue Agency (CRA) for theAccountholder(s), Beneficiary and Primary Caregiver (if applicable).

Note: Ensure that the correct HRSDC CDSB/CDSG Application Form is completed.Include all PCG information on the applicable grant forms. For beneficiaries age 18 at the time the application for the Disability Savings Plan is made andthose who turned 18 during the year of the application, the HRSDC form forBeneficiaries Aged 18 or Over must be completed. In addition, Part C of theHRSDC form for Beneficiaries Under the Age of 18 must be completed since the PCG information at the beginning of the year is mandatory to apply forCDSG and/or CDSB.

ATTENTION: BRANCH EMPLOYEES

Clients may require assistance with completing and/or transmitting theRegistered Disability Savings Plan (RDSP) application to

BMO Investment Centre (BMO IC).

Fax all completed RDSP applications to 1-888-840-2817 or 1-888-840-2816 and advise the client that A BMO IC representative will be

contacting them to review the application.

If the client requires assistance with completing the application, please directthe client to BMO IC at 1-800-665-7700 or visit the RDSP website at:

bmo.com/RDSP/process

Form No. 435 (12/17)

In order for the Beneficiary to be eligible to receive Canada Disability Savings Grants (CDSG) and Canada Disability Savings Bonds (CDSB), information provided on the BMO Disability Savings Plan application form must match exactly to the information on file with Employment and Social Development Canada (ESDC) and Canada Revenue Agency (CRA) for the Accountholder(s), Beneficiary and Primary Caregiver (if applicable).

Note: Ensure ESDC CDSG/CDSB application form (BMO Form 580) is completed with beneficiary, accountholder(s) and/or Primary Caregiver(s) information (if applicable).

Accountholder 1 Detai ls : Mr. Mrs. Miss Ms. Dr. Other _______________ Gender: Male Female

_______________________________________ _______________________________________ ___________________________________________Last Name First Name Middle NameOr

_____________________________________________________________ _____________________________________________________________Public Department, Agency or Institution (if applicable) Contact name of the Public Department, Agency or Institution (if applicable)

Birth Date* S.I.N. B.N. (if applicable)

________________________________________________________________________________________________________________________________Accountholder 1 Address

_____________________________________________________________ Language: English FrenchCity Province Postal Code

[_______]_______________________________ [_______]_______________________________ ___________________________________________Telephone Number (Residence) Telephone Number (Business) E-Mail Address

______________________________________________________________________________________________________________________________

_____________________________________________________________

Occupation(s)

Source of Wealth (See Branch Instruction Sheet for details)_______________________________

Name of Employer(s)

Number of Dependant(s)

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D D M M M Y Y Y Y

Form No. 435 (01/14)

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A C C O U N T H O L D E R ( S ) D E TA I L S ( C O M P L E T E F O R N E W A C C O U N T O N LY )

NEW/EXISTING ACCOUNT APPLICATION BMO DISABILITY SAVINGS PLAN (DSP)

1 A C C O U N T T Y P E

Account No. (Mandatory)

RISR Transit

________________________________________________________________ _______________________________________________________________Accountholder Last Name Accountholder First Name

BMO INVESTMENTS INC.

Accountholder name must match name on S.I.N. card as required by CRA.Contributions to the DSP cannot be made after the calendar year in which the Beneficiary turns 59 years of age.

Account Effective Date (DD/MMM/YYYY)

For referral use only: Name ___________________________________________________ RISR Transit

New Existing Transfer from an RDSP account from another Financial Institution Account opens under the Qualified Family Member Rule

Rollover from RRSP/RPP/RRIF account (also complete CRA Form RC4625): External Account #:_________________ or Internal Account #: _________________

Specimen Plan Number RDSP 2-527-001








_____________________________________________________________

Occupation(s)


Name of Employer(s)


________________________________________________________________________________________________________________________________Accountholder Mailing Address (if applicable)

_____________________________________________________________ ______________________________City Province Postal Code Country (if not Canada)*Mandatory for Accountholder who is not a Public Department, Agency or Institution.

FE

D D M M M Y Y Y Y

______________________________________________________________________________________________________________________________

______________________________________________________________________________________________________________________________

______________________________________________________________________________________________________________________________








______________________________________________________________________________________________________________________________

_____________________________________________________________

Occupation(s)


Name of Employer(s)


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Occupation(s)


Name of Employer(s)


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______________________________________________________________________________________________________________________________

______________________________________________________________________________________________________________________________

______________________________________________________________________________________________________________________________

Form No. 435 (12/17)

RolloverfromRESPaccount(alsocompleteE-Form579)

4 PRIMARY CAREGIVER (PCG) (complete only if the Beneficiary is under age 18) (COMPLETE FOR NEW ACCOUNT ONLY)

Important information: Primary Caregiver (PCG) is the eligible individual who is receiving (or would be receiving if qualified) the Canada Child Tax Benefit at the time of thecontribution or at the time of the request for the Canada Disability Savings Bond; or the Department, Agency or Institution that receives the allowance payable under theChildren’s Special Allowances Act.

PCG’s name must match name on S.I.N. card as required by CRA.

Mr. Mrs. Miss Ms. Dr. Other _____________________ Gender: Male Female

_______________________________________ _______________________________________ ___________________________________________Last Name First Name Middle NameOr_______________________________________________________________________________________________________________________________Public Department, Agency or Institution (if applicable)

PCG Birth Date PCG S.I.N. PCG. B.N. (if applicable)

[_______]______________________________________________________Telephone Number (Business)

Cert i f i cat ion of Pr imary CaregiverAs the Primary Caregiver of the Beneficiary,

I, ___________________________________________________ certify that the information I have provided is, to the best of my knowledge, correct and complete.(Name of Primary Caregiver)

I agree that this information may be used by the Government of Canada to validate the Beneficiary’s information and disability tax credit (DTC)-eligibility.

_____________________________________________________________Signature of Primary Caregiver Date

_______________________________________ _______________________________________ ___________________________________________Beneficiary Last Name Beneficiary First Name Beneficiary Middle Name

______________________________________________________________________________________________________________________________Beneficiary Address

_____________________________________________________________City Province Postal Code

[_______]_____________________________________________________ [_______]_______________________________________________________Telephone Number (Residence) Telephone Number (Business)

_____________________________________________________________ [_______]______________________________________________________Contact Person (if other than the Beneficiary) Telephone Number (Contact Person)

Canadian Resident: Yes No (Mandatory)

Beneficiary Gender: Male Female

Beneficiary Language Preference: English French

Beneficiary Birth Date Beneficiary S.I.N.

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2 A C C O U N T H O L D E R ( S ) D E TA I L S ( C O N T ’D )

3 B E N E F I C I A R Y D E TA I L S ( C O M P L E T E F O R N E W A C C O U N T O N LY )

For Accountholders, other than the Beneficiary, please answer all of the following: Accountholder 1 Accountholder 2

Are you a legal parent of the Beneficiary? Yes No Yes No

Are you the spouse or common-law partner of the Beneficiary? Yes No Yes No

Are you a guardian, tutor, curator or other individual who is legally authorized to act on behalf of the Beneficiary? Yes No Yes No

Are you a public department, agency, or institution that is legally authorized to act on behalf of the Beneficiary? Yes No Yes No

Please attach additional pages in case of a third Accountholder.

Form No. 435 (01/14)

D D M M M Y Y Y Y

D D M M M Y Y Y Y

D D M M M Y Y Y Y

Beneficiary’s name must match name on S.I.N. card as required by CRA.

Form No. 435 (12/17)

Form No. 435 (01/14)

5 Y O U R I N V E S T M E N T O B J E C T I V E S ( C O M P L E T E F O R A L L P U R C H A S E S )

This information will help us ensure that you (the Accountholder) have chosen an appropriate investment option for your needs. Provincial securities laws mandatethat we obtain this information and keep it up-to-date for all purchasers of investment products. Accountholder confirms that the primary objectives stated beloware for the account and agree with his/her own personal objectives.

No material changes to investment objectives or other KYC information (proceed to Section 6)

Primary Objectives* High Low Time Horizon* Annual Income (000’s) Net Worth (000’s)

Security of Capital S Short Term (less than 2 years) A Under $20 A Under $25

Income M Medium Term (2 - 10 years) B $20 - $50 B $25 - $50

Balanced L Long Term (Over 10 years) C $50 - $100 C $50 - $100

Growth D $100 - $200 D $100 - $250

Risk Tolerance* 5 High 4 Medium to High 3 Medium 2 Low to Medium 1 Low E Over $200 E Over $250

Do you own other funds? Yes No Investment Knowledge

If yes, describe type (eg. Equity, Fixed Income, Security)_____________________________________ N Nil F Fair G Good E Excellent

*For complete details on your Primary Objectives, Risk Tolerance and Time Horizon, refer to the Terms and Conditions.

Note: Your Investment Objectives must be reviewed over the telephone with a BMOIC Representative.

7 S O U R C E O F F U N D S ( S E L E C T O N E O N LY ) (used for internal purposes)

Internal: PRS Everyday Banking Account Term Mutual Funds Partner Or External: Cheque External Financial Institution

6 B M O I N V E STM E N T C E N T R E - T E L E P H O N E ACC E SS

Please set me/us up to access the BMO Investment Centre. Below is the Password that I/we will be using to access my/our account by telephone.

I/We agree to the provisions of the BMO Investment Centre Agreement stated in the Terms and Conditions.

Account to be used to settle the transaction(s) placed by telephone:

CAD Transit No. Institution No. Account No. Password (6 alphanumeric characters)

If you do not have a bank account with BMO Bank of Montreal, please attach a void cheque from your bank account to the application.

If the bank account linked to telephone access is joint, ensure signature requirement on the bank account is either/or to sign.

Transfer within this existing DSP account** (includes Term renewals) – complete details below

Fund/Portfolio No. (Name is Optional) or Certificate No. Maturity/Effective Date Balance of or Partial AmountInvestment

1. ____________________________________________________________ $_________________

2. ____________________________________________________________ $_________________

3. ____________________________________________________________ $_________________

4. ____________________________________________________________ $_________________

CAD Total: $_________________

All Grant monies will be allocated proportionally according to the current fair market value of each investment held within the plan at time of payment, or the pre-determined asset mix of the selected BMO MatchMaker Portfolio. If the market value of the plan is zero at time of payment, all Grant monies will be allocated to aSavings Account.

Loan Information: Was a loan used to purchase these funds? Yes If yes, was the loan obtained through BMO Bank of Montreal? Yes

*External Transfer of Account to BMO Investments Inc.: Please note that if you are transferring from an existing account at another institution, your investment choices asindicated in Section 8B and/or Section 8C will be implemented upon receipt of the transfer from the other institution. You acknowledge that transfers can take several weeks tocomplete, depending on the actions of the transferring institution, and that your investment choices will be implemented using the mutual fund net asset values or terminvestment rates in effect at the time the funds are received.

**Transfer within BMO investment account(s): Please note that if you are transferring within an existing account at BMO, your investment choices as indicated below will be implementedwhen the funds are available. You acknowledge that transfers can take several days, depending on the nature of the investment from which the funds are being transferred, and that yourinvestment choices will be implemented using the mutual fund net asset values or term investment rates in effect at the time the funds are available to invest in this account.

D D M M M Y Y Y Y

D D M M M Y Y Y Y

D D M M M Y Y Y Y

D D M M M Y Y Y Y

Check applicable box(es) below:

BMO Bank Account CAD 0 0 1 –

Transit No. Institution No. Account No.Cheque Transfer-in*

8 A : S O U R C E O F I N V E S T M E N T ( F R O M )

For BMOIC use only:

Name __________________________________________________________ Date __________________________ Time _______________________

Form No. 435 (12/17)

YO U R I N V E STM E N T D E TA I L S ( CO M P L E T E F O R A L L P U R C H A S E S )

Thisinformationwillhelpusensurethatyou(theAccountholder)havechosenanappropriateinvestmentoptionforyourneeds.Provincialsecuritieslawsmandatethatweobtainthisinformationandkeepitup-to-dateforallpurchasersofinvestmentproducts.JointAccountholdersconfirmthattheInvestmentDetailsstatedbelowarefortheaccountandagreewiththeirownpersonalInvestmentDetails,andthatAnnualIncomeandNetWorthasrecordedinthisApplication,arerecordedonacombinedbasis(thatis,asthetotalAnnualIncomeandNetWorthofallAccountholders).

NomaterialchangestoInvestmentDetailsorotherKYCinformation(proceedtoSection6)

*ForcompletedetailsonyourInvestmentObjective,RiskToleranceandTimeHorizon,refertotheTermsandConditions.

Note: Your Investment Details must be reviewed over the telephone with a BMOIC Representative.

Account Investment Objective* _____________________________ Account Risk Tolerance* _____________________________

Primary Holder Investment Knowledge _____________________________ Time Horizon* _____________________________

Joint Holder Investment Knowledge _____________________________ Do you own other funds? _____________________________

Accountholder(s) Annual Income _____________________________ If you own other funds, describe type: _____________________________

Accountholder(s) Net Worth _____________________________

Form No. 435 (01/14)

Fund/Portfolio No. (Name is Optional) Income* Balance of or AmountOption Investment

1. _________________________________________________________________________________ ___________ $________________

2. _________________________________________________________________________________ ___________ $________________

3. _________________________________________________________________________________ ___________ $________________

4. _________________________________________________________________________________ ___________ $________________

CAD Total: $________________*Reinvest is the only Income Option available.

8 B : P U R C H A S E - M U T U A L F U N D S ( T O )

Reinvest

Reinvest

Reinvest

Reinvest

8 C : P U R C H A S E - T E R M I N V E S T M E N T S A N D S AV I N G S ( T O )

Savings Rates (subject to change) Balance of or AmountTier - up to $5000* Tier - $5000 and over* Investment

Savings Account $________________

*Paid on the portion of the balance within each tier. Rates shown are calculated on a per annum basis. Rates are subject to change without notice.

GICs Term Rate Issue Date Balance of or AmountInvestment

BMO Redeemable Short Term 364 days $________________Investment Certificate (R-STIC)

BMO Short Term Investment ______________ $________________Certificate days (30 to 359)

BMO Guaranteed Investment Term Rate Issue Date Balance of or AmountCertificate Investment

Annual Compound ______________ $________________months (12 to 120)

Annual Pay (to Savings)

BMO Cashable RateRiser® GIC Term Issue Date Balance of or AmountInvestment

Annual Compound 3 years $________________Annual Pay (to Savings)

Rate:1st year 2nd year 3rd year Blended

BMO RateRiser® Plus GIC Term Issue Date Balance of or AmountInvestment

Annual Compound _____________ $________________years (2, 3 or 5)


Rate:1st year 2nd year 3rd year 4th year 5th year Blended

BMO RateRiser® Max GIC Term Issue Date Balance of or AmountInvestment

Annual Compound ____________ $________________years (3 or 5)



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For internal use only: Authorization No._____________________________

S TAT E M E N T D E L I V E R Y O P T I O N

Select one option only: eStatement/eConfirmation* OR Paper Statement/Confirmation

*You will require access to online banking to view eStatements/eConfirmations. If you wish to receive notification when an eStatement or eConfirmation is available for viewing, you must setup an Alert in BMO Online Banking.

9Form No. 425 (11/14)


1. _______________________________________________________________________________ ___________ $________________

2. _______________________________________________________________________________ ___________ $________________

3. _______________________________________________________________________________ ___________ $________________

4. _______________________________________________________________________________ ___________ $________________

5. _______________________________________________________________________________ ___________ $________________

6. _______________________________________________________________________________ ___________ $________________

7. _______________________________________________________________________________ ___________ $________________

8. _______________________________________________________________________________ ___________ $________________


6 B : P U R C H A S E - M U T U A L F U N D S ( T O )6

Savings Rates (subject to change) Balance ofTier - up to $5000* Tier - $5000 and over* Investment



GICs

Term (STIC) Rate Issue Date Balance ofInvestment

$________________

BMO Guaranteed Investment Certificate

88

6 C : P U R C H A S E - T E R M I N V E S T M E N T S A N D S AV I N G S ( T O )6


Reinvest

Reinvest

Reinvest

Reinvest

Reinvest

Reinvest

Reinvest

Reinvest

D D M M M Y Y Y Y

Form No. 425 (05/15)

____________

or Amount

Term Rate Issue DateBalance ofInvestment

$________________D D M M M Y Y Y Y

or Amount

______________months (12 to 120)

days (30 to 359)

BMO RateRiser GICs®

Issue DateBalance ofInvestment

$________________D D M M M Y Y Y Y

or Amount

For internal use only

Authorization No.___________________________

0.00

61 - BMO Short Term Investment Certificate - 30 to 359 days

07 - BMO Guaranteed Investment Certificate - Annual Pay (to Savings) - 12 to 120 months

58 - BMO RateRiser Max GIC - Annual Pay (to Savings) - 5 years

Form No. 425 (05/15)

0.00




Form No. 425 (05/15)

0.00




Form No. 425 (05/15)

0.00




Form No. 425 (05/15)

or Amount

0.00




Form No. 425 (06/15)

0.00

- select one -

- select one -

- select one -

Form No. 435 (12/17)

Form No. 435 (01/14)


1. _________________________________________________________________________________ ___________ $________________

2. _________________________________________________________________________________ ___________ $________________

3. _________________________________________________________________________________ ___________ $________________

4. _________________________________________________________________________________ ___________ $________________



Reinvest

Reinvest

Reinvest

Reinvest






















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Form No. 435 (01/14)


1. _________________________________________________________________________________ ___________ $________________

2. _________________________________________________________________________________ ___________ $________________

3. _________________________________________________________________________________ ___________ $________________

4. _________________________________________________________________________________ ___________ $________________



Reinvest

Reinvest

Reinvest

Reinvest






















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Form No. 435 (01/14)


1. _________________________________________________________________________________ ___________ $________________

2. _________________________________________________________________________________ ___________ $________________

3. _________________________________________________________________________________ ___________ $________________

4. _________________________________________________________________________________ ___________ $________________



Reinvest

Reinvest

Reinvest

Reinvest






















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Form No. 435 (01/14)


1. _________________________________________________________________________________ ___________ $________________

2. _________________________________________________________________________________ ___________ $________________

3. _________________________________________________________________________________ ___________ $________________

4. _________________________________________________________________________________ ___________ $________________



Reinvest

Reinvest

Reinvest

Reinvest






















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9

* Youwill requireaccess toonlinebanking tovieweStatements/eConfirmations. If youwish to receivenotificationwhenaneStatementoreConfirmation isavailableforviewing,youmustsetupanAlertinBMOOnlineBanking.

** AllAccountholder(s)agreethatanyoneofthemmaychangethemethodofdeliveryfrompapertoelectronic,orviceversa,atanytime.

**

IfPaperStatement/Confirmationoptionisselected,isasecondaryStatementrequired? No Yes

Ifyes,confirmJointAccountholdername: _______________________________________________ ______________________________________________ LastName FirstName

Form No. 435 (01/14)

CSP Details (N,A,C)* Savings Account/Fund/Portfolio No.** (Name is Optional) Income Option*** Amount

1. _____________________________________________________________________ ___________________ $_______________

2. _____________________________________________________________________ ___________________ $_______________

3. _____________________________________________________________________ ___________________ $_______________

4. _____________________________________________________________________ ___________________ $_______________

Frequency: _____________________________________________ (annually, semi-annually, quarterly, monthly, bi-weekly or weekly).

Start Date: End Date (if applicable): If this is for your own personal investment, your debit will be considered a Personal PAD by Canadian Payments Association definition. If this is for business purposes, itwill be considered a Business PAD. Monies transferred between CPA members will be considered a Funds Transfer PAD where the Payee and the Payor are the same.By signing below, I/we authorize BMO Investments Inc. to debit the bank account identified below for the amount(s) indicated above at the frequency indicated above.

Account to be Debited (Attach a void cheque if this CSP is CADbeing debited from a non-BMO Bank of Montreal account): Transit No. Institution No. Account No.Continuous Savings Plan Set Up (if applicable): I/We waive pre-notification of the debit transactions. I/We warrant and guarantee that all persons whosesignatures are required to sign on the financial institution account have signed below.

______________________________________________________________ ______________________________________________________________Bank Accountholder Signature Joint Bank Accountholder Signature (if required)*CSP Details : N - New; A - Amend; C – Cancel. ** Term Investments are not available for CSP. *** Reinvest is the only Income Option available.

D D M M M Y Y Y YD D M M M Y Y Y Y

10 C O N T I N U O U S S AV I N G S P L A N

Reinvest

Reinvest

Reinvest

Reinvest

Form No. 435 (12/17)

Form No. 435 (01/14)

P L E A S E R E A D C A R E F U L LY A N D S I G N B E L O WCertification of AccountholderBy signing below, I/We acknowledge having read, understood and agreed to all the Terms and Conditions on this form and I/We confirm that all information provided is true and accurate. As the Accountholder(s) of the disability savings plan, I/we certify that the information given on this form is, to the best of my/our knowledge, correct and complete.I/We certify that BMO Trust Company has been asked to submit the BMO Disability Savings Plan to the Government of Canada as a “registered disability savings plan” in accordance with section146.4 of the Income Tax Act.I/We understand that contributions can only be made to the registered disability savings plan by the Accountholder(s), unless the Accountholder(s) provides the Issuer with written consentauthorizing another entity to contribute in accordance with paragraph 146.4(4)(h) of the Income Tax Act.I/We agree to notify the Issuer in the event that the Beneficiary is residing outside of Canada.I/We understand that the Accountholder(s) are jointly liable with the Beneficiary (or the Beneficiary’s estate) for taxes arising in connection with the deregistration of a non-compliant plan.I/We understand that the information gathered on this form will be shared with both the Department of Human Resources and Skills Development Canada and the Canada Revenue Agency for thepurposes of administering the registered disability savings plan program and the validation of Beneficiary and Accountholder(s) information.I/We understand that in order for this disability savings plan to be registered with the Ministry of National Revenue under section 146.4 of the Income Tax Act, the beneficiary must have beenformally approved for the disability tax credit by the Canada Revenue Agency.I/We understand that in cases where the beneficiary has not been approved for the disability tax credit, BMO Trust Company will be unable to register this plan as a "registered disability savingsplan" under section 146.4 of the Income Tax Act and that this plan will not be eligible for receipt of the Canada Disability Savings Grant (CDSG) nor the Canada Disability Savings Bond (CDSB).I/We understand that the Canada Revenue Agency will use the information on this form to validate the Beneficiary’s residency and disability tax credit eligibility and that these validations will beshared with the Issuer.I/We acknowledge receipt of the Simplified Prospectus/Fund Facts for the BMO Mutual Fund(s) to which the investment is directed. I/We understand that by law, if the beneficiary has reached the age of majority but is not contractually competent to enter into the arrangement, the Accountholder must be legally authorized to acton behalf of the Beneficiary, or be eligible to act as an accountholder under the definition of Qualified Family Member. Please read the BMO DSP Trust Agreement.If you redeem or switch out of units of a mutual fund within a specified number of days after purchasing them, the fund may charge you a short-term trading penalty which may reduce the amountotherwise payable to you on the redemption or switch. Short-term trading penalties, if applied, vary from fund to fund and may be a percentage of the amount redeemed or switched or may be aflat fee. Please consult the Simplified Prospectus/Fund Facts of the fund you wish to redeem or switch to determine if a short-term trading fee may apply to your transaction and the potentialamount of the fee.If you sell another type of investment product that you hold with us in that product’s secondary market (if available) within a specified number of days after it was issued to you, an early tradingcharge may be deducted from the proceeds of the sale and may be a percentage of the amount you paid for that investment product. Please consult the offering documents of the investmentproduct you wish to sell to determine if an early trading charge may apply to your transaction and the potential amount of that charge.

By ticking this box, I/we confirm that I/we have received the Trust Agreement and Terms and Conditions.You acknowledge that if you become a non-resident of Canada temporarily or permanently, you will notify us of your country of residence and of any changes in your eligibility for tax treaty benefits.You also acknowledge that, in providing services under this agreement, BMO Investments Inc. is relying on the information you provide, as subsequently amended or supplemented.If I/we have elected to receive eStatements/eConfirmations, I/we hereby consent to the electronic delivery of BMO Investments Inc. account statements and trade confirmations (the “Documents”)related to my/our investment account(s) by delivery of such Documents to my/our BMO Online Banking profile and I/we acknowledge and understand that the Documents will not be sent to me/usby mail, email or any other method of delivery. I/We acknowledge that I/we am/are solely responsible for retrieving and viewing the Documents. I/We am/are responsible for keeping my/ourBMO Online Banking profile up-to-date and accurate and for informing BMO Investments Inc. of any change in my/our ability to access BMO Online Banking.Third Party Interest: I/We confirm that this account is not to be used by or on behalf of one or more third parties. If it is to be used by or on behalf of one or more third parties, I/we confirm thatI/we have informed my/our sales representative and that I/we have completed a Third Party Determination Form.Protecting Your Privacy: You acknowledge that you have read and understood the Privacy Disclosure and Consent provisions stated in the Terms and Conditions. By ticking the box below, you agreethat your personal information may only be shared in accordance with these provisions and our Privacy Code. For complete details on our commitment to privacy, please see Terms and Conditions andour Privacy Code called “BMO Privacy Code” available from your representative or online at www.bmo.com/privacy. The information collected and under control of the CRA and HRSDC will beadministered in accordance with the Privacy Act, the Income Tax Act, Canada Disability Savings Act and the Department of Social Development Act.

I/We agreeNature of the Securities: BMO Mutual Funds are offered by BMO Investments Inc., a financial services firm and separate legal entity from Bank of Montreal. Commissions, trailing commissions,management fees and expenses may be associated with mutual fund investments and the use of an asset allocation service.Please read the prospectus/Fund Facts before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Mutual fund securities are notinsured by a government deposit insurer and are not guaranteed by Bank of Montreal.

By ticking this box, I/we confirm that I/we have read the disclosure on the Nature of the Securities provided above.The following clause applies to the Province of Quebec only. It is the express wish of the parties that this agreement and any related documents be drawn up and executed in English. Les partiesconviennent que la présente convention et tous les documents s’y rattachant soient rédigés et signés en anglais.

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_____________________________________________________________ _____________________________________________________________Accountholder 1 Signature Accountholder 2 Signature

_____________________________________________________________ _____________________________________________________________Salesperson’s Name Salesperson’s Signature

(Accepted by BMO Investments Inc., on its own behalf or as agent for BMO Trust Company)

[_______]_____________________________________________________Salesperson’s Telephone Number Date of accountholder authorization

_______________________________________________________ (approved)Branch Compliance Officer’s Signature Date

D D M M M Y Y Y Y

D D M M M Y Y Y Y

Received after 4 pm ET for BMO Mutual Funds/Portfolios

Form No. 435 (01/14)





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D D M M M Y Y Y Y

D D M M M Y Y Y Y


Form No. 435 (01/14)





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D D M M M Y Y Y Y

D D M M M Y Y Y Y


Form No. 435 (12/17)

Bysigningbelow,I/Weacknowledgehaving(i)receivedtheBMO Investments Inc. Terms and Conditions(the“TermsandConditions”)and(ii)read,understoodandagreedtoallapplicableTermsandConditions.I/WeconfirmthatallinformationI/wehaveprovidedtoBMOInvestmentsInc.istrueandaccurate.

AstheAccountholder(s)ofthedisabilitysavingsplan,I/wecertifythattheinformationgivenonthisformis,tothebestofmy/ourknowledge,correctandcomplete.

I/WecertifythatBMOTrustCompanyhasbeenaskedtosubmittheBMODisabilitySavingsPlantotheGovernmentofCanadaasa“registereddisabilitysavingsplan”inaccordancewithsection146.4oftheIncome Tax Act.

I/WeunderstandthatcontributionscanonlybemadetotheregistereddisabilitysavingsplanbytheAccountholder(s),unlesstheAccountholder(s)providestheIssuerwithwrittenconsentauthorizinganotherentitytocontributeinaccordancewithparagraph146.4(4)(h)oftheIncome Tax Act.

I/WeagreetonotifytheIssuerintheeventthattheBeneficiaryisresidingoutsideofCanada.

I/WeunderstandthattheAccountholder(s)arejointlyliablewiththeBeneficiary(ortheBeneficiary’sestate)fortaxesarisinginconnectionwiththederegistrationofanon-compliantplan.

I/WeunderstandthattheinformationgatheredonthisformwillbesharedwithboththeEmploymentandSocialDevelopmentCanadaandtheCanadaRevenueAgencyforthepurposesofadministeringtheregistereddisabilitysavingsplanprogramandthevalidationofBeneficiaryandAccountholder(s)information.

I/WeunderstandthatinorderforthisdisabilitysavingsplantoberegisteredwiththeMinistryofNationalRevenueundersection146.4oftheIncome Tax Act,thebeneficiarymusthavebeenformallyapprovedforthedisabilitytaxcreditbytheCanadaRevenueAgency.

I/Weunderstandthatincaseswherethebeneficiaryhasnotbeenapprovedforthedisabilitytaxcredit,BMOTrustCompanywillbeunabletoregisterthisplanasa“registereddisabilitysavingsplan”undersection146.4oftheIncome Tax ActandthatthisplanwillnotbeeligibleforreceiptoftheCanadaDisabilitySavingsGrant(CDSG)northeCanadaDisabilitySavingsBond(CDSB).

I/WeunderstandthattheCanadaRevenueAgencywillusetheinformationonthisformtovalidatetheBeneficiary’sresidencyanddisabilitytaxcrediteligibilityandthatthesevalidationswillbesharedwiththeIssuer.

I/WeacknowledgereceiptoftheFundFactsfortheBMOMutualFund(s)towhichtheinvestmentisdirected.

I/Weunderstandthatbylaw,ifthebeneficiaryhasreachedtheageofmajoritybutisnotcontractuallycompetenttoenterintothearrangement,theAccountholdermustbelegallyauthorizedtoactonbehalfoftheBeneficiary,orbeeligibletoactasanaccountholderunderthedefinitionofQualifiedFamilyMember.PleasereadtheBMODSPTrustAgreement.

Ifyouredeemorswitchoutofunitsofamutualfundwithinaspecifiednumberofdaysafterpurchasingthem,thefundmaychargeyouashort-termtradingpenaltywhichmayreducetheamountotherwisepayabletoyouontheredemptionorswitch.Short-termtradingpenalties,ifapplied,varyfromfundtofundandmaybeapercentageoftheamountredeemedorswitchedormaybeaflatfee.PleaseconsulttheFundFactsofthefundyouwishtoredeemorswitchtodetermineifashort-termtradingfeemayapplytoyourtransactionandthepotentialamountofthefee.

Ifyousellanothertypeofinvestmentproductthatyouholdwithusinthatproduct’ssecondarymarket(ifavailable)withinaspecifiednumberofdaysafteritwasissuedtoyou,anearlytradingchargemaybedeductedfromtheproceedsofthesaleandmaybeapercentageoftheamountyoupaidforthatinvestmentproduct.Pleaseconsulttheofferingdocumentsoftheinvestmentproductyouwishtoselltodetermineifanearlytradingchargemayapplytoyourtransactionandthepotentialamountofthatcharge.

Bytickingthisbox,I/weconfirmthatI/wehavereceivedtheTrustAgreementandTermsandConditions.

Youacknowledgethatifyoubecomeanon-residentofCanadatemporarilyorpermanently,youwillnotifyusofyourcountryofresidenceandofanychangesinyoureligibilityfortaxtreatybenefits.

Youalsoacknowledgethat,inprovidingservicesunderthisagreement,BMOInvestmentsInc.isrelyingontheinformationyouprovide,assubsequentlyamendedorsupplemented.

IfI/wehaveelectedtoreceiveeStatements/eConfirmations,I/weherebyconsenttotheelectronicdeliveryofBMOInvestmentsInc.accountstatementsandtradeconfirmations(the“Documents”)relatedtomy/ourinvestmentaccount(s)bydeliveryofsuchDocumentstomy/ourBMOOnlineBankingprofileandI/weacknowledgeandunderstandthattheDocumentswillnotbesenttome/usbymail,emailoranyothermethodofdelivery.I/WeacknowledgethatI/weam/aresolelyresponsibleforretrievingandviewingtheDocuments.I/Weam/areresponsibleforkeepingmy/ourBMOOnlineBankingprofileup-to-dateandaccurateandforinformingBMOInvestmentsInc.ofanychangeinmy/ourabilitytoaccessBMOOnlineBanking.

Protecting Your Privacy:YouacknowledgethatyouhavereadandunderstoodthePrivacyDisclosureandConsentprovisionsstatedintheTermsandConditions.YouagreethatyourpersonalinformationmayonlybesharedinaccordancewiththeseprovisionsandourPrivacyCode.Forcompletedetailsonourcommitmenttoprivacy,pleaseseeTermsandConditionsandourPrivacyCodecalled“BMOPrivacyCode”availablefromyourrepresentativeoronlineatwww.bmo.com/privacy.TheinformationcollectedandundercontroloftheCRAandESDCwillbeadministeredinaccordancewiththePrivacyAct,theIncome Tax Act,CanadaDisabilitySavingsActandtheDepartmentofSocialDevelopmentAct.

Nature of the Securities:BMOMutualFundsareofferedbyBMOInvestmentsInc.,afinancialservicesfirmandseparatelegalentityfromBankofMontreal.Commissions,trailingcommissions,managementfeesandexpensesmaybeassociatedwithmutualfundinvestmentsandtheuseofanassetallocationservice.

PleasereadtheFundFactsbeforeinvesting.Mutualfundsarenotguaranteed,theirvalueschangefrequentlyandpastperformancemaynotberepeated.MutualfundsecuritiesarenotinsuredbyagovernmentdepositinsurerandarenotguaranteedbyBankofMontreal.

Bytickingthisbox,I/weconfirmthatI/wehavereadthedisclosureontheNatureoftheSecuritiesprovidedabove.

Acknowledgment of Disclosure of Charges and Other Compensation:I/WeconfirmthatI/wehavebeeninformedofandunderstandtheoperatingfeesandtransactionchargesassociatedwiththisaccountincludingbutnotlimitedtoanyservicecharges,administrationfees,commissions,performancefees,changefees,managementfees,transferfees,redemptionfeesoranyotherchargesthatmaybeapplicabletothistransaction.

The following clause applies to the Province of Quebec only.ItistheexpresswishofthepartiesthatthisagreementandanyrelateddocumentsbedrawnupandexecutedinEnglish.Lespartiesconviennentquelaprésenteconventionettouslesdocumentss’yrattachantsoientrédigésetsignésenanglais.

BMO Trust Company (the “Trustee”)will act as trusteeof an arrangement for aBMODisabilitySavingsPlan,underwhichcontributionsaretobemadeintrusttotheTrusteetobeinvested,usedorappliedforthepurposeofmakingpaymentstotheBeneficiary,andwheretheBeneficiaryiseligibleforthedisabilitytaxcreditinthetaxationyearthearrangementisenteredinto.Inenteringintothearrangement,theTrusteeagreestopayorcausetobepaidDisabilityAssistancePaymentstoaBeneficiary.ThearrangementwillbegovernedbythetermsandconditionsofthisTrustAgreement,the includedapplicationandApplicableLegislation.Underthe ITA,anAccountholder isknownasa“holder”andtheTrusteeisknownasthe“issuer”.NewAccountholdersarenamedintheincludedapplication.The Trustee may delegate the performance of any of the Trustee’s tasks, duties andresponsibilities in respectof thePlanand thePlanTrust toBMO Investments Inc. (the“Agent”).TheTrusteeshall,however,remainultimatelyresponsiblefortheadministrationof thePlan and thePlan Trust, and shall ensure that thePlan and thePlan Trust areadministeredincompliancewiththerequirementsoftheApplicableLegislation.Theparties,beingtheTrusteeandtheAccountholder(s),agreeasfollows:1. DEFINED TERMSForthepurposesofthisarrangementtheensuingtermswillhavethefollowingmeanings:“Accountholder”meansoneormoreofthefollowing:a. anentitythathasenteredintothePlanwiththeTrustee;b anentitywhoreceivesrightsasasuccessororassigneeofanentitywhoenteredinto

thePlanwiththeTrustee;andc the Beneficiary, if the Beneficiary has rights under the Plan to make decisions

concerning thePlan,unless theBeneficiary’sonly right is to request thatDisabilityAssistancePaymentsbemadeasdetailedinsection10(b).

“Applicable Legislation”meansthe Income Tax Act (the“ITA”),theCanada Disability Savings Act (the“CDSA”)andtheirRegulationsthatgovernthisPlan,the propertyinthisPlan,andthepartiesinvolvedinthisarrangement.“Assistance Holdback Amount”hasthemeaningassignedundertheCanadaDisabilitySavingsRegulations.“Beneficiary”meanstheindividualdesignatedintheapplicationbytheAccountholder(s)to whom, Lifetime Disability Assistance Payments and Disability Assistance Paymentsshallbepaid.“Designated Provincial Program”meansaprogramthatisestablishedunderthelawsofaprovinceandthatsupportssavingsinRegisteredDisabilitySavingsPlans.“Disability Assistance Payment”meansanypaymentfromthePlantotheBeneficiaryortotheBeneficiary’sestate.Forgreatercertainty,aDisabilityAssistancePaymentmaybe,butneednotbe,aLifetimeDisabilityAssistancePayment.“Disability Savings Plan”ofaBeneficiarymeansanarrangementbetweentheTrusteeandoneormoreofthefollowing:a. theBeneficiary,b. (i) an entity that, at the time the arrangement is entered into, is a Qualifying

Personasdescribedunderthedefinitionof“QualifyingPerson”inrelationtotheBeneficiary,

(ii) if the arrangement is entered into before January 2019, a Qualifying FamilyMember in relation to the Beneficiary who, at the time the arrangement isenteredinto,isaQualifyingPersoninrelationtotheBeneficiary,

(iii) a Qualifying Family Member in relation to the Beneficiary who, at the timethe arrangement is entered into, is not a Qualifying Person in relation to theBeneficiarybutisaholderofanotherarrangementthatisaregistereddisabilitysavingsplanoftheBeneficiary,and

c. a legal parent of theBeneficiarywho is not aQualifyingPerson in relation to theBeneficiaryatthetimethearrangementisenteredintobutisanaccountholderofanotherRegisteredDisabilitySavingsPlanoftheBeneficiary,underwhichoneormorecontributionsaretobemadeintrusttotheTrusteetobeinvested,used,orappliedbytheTrusteeforthepurposeofmakingpaymentstotheBeneficiaryandwherethearrangementisenteredintoinataxationyearinrespectofwhichtheBeneficiaryiseligibleforthedisabilitytaxcredit.

“DTC-Election”meansanelectionmadebytheHoldertokeepthePlanopenwhentheBeneficiaryisnotaDTC-EligibleIndividual.ADTC-Electionisvaliduntiltheearlierofthebeginningof thefirst calendar year that theBeneficiary again becomes aDTC-EligibleIndividualandtheendofthefifthcalendaryearofcontinuousDTC-ineligibility.“DTC Eligible Individual”meansanindividualwhowouldbeeligibleforthedisabilitytax credit if subsection 118.3(1) of the ITAwere readwithout reference to paragraph118.3(1)(c)oftheITA.“Eligible Individual” means a child or grandchild of a deceased annuitant under aregistered retirement savings plan or a registered retirement income fund, or of adeceasedmemberofapooledregisteredpensionplan,aregisteredpensionplanoraspecifiedpensionplan,whowasfinanciallydependentonthedeceasedforsupport,atthetimeofthedeceased’sdeath,byreasonofmentalorphysicalinfirmity.“Eligible Proceeds”meansanamount(otherthananamountthatwasdeductedunderparagraph 60(l) in computing the Eligible Individual’s income) received by an EligibleIndividualasaconsequenceofthedeathafterMarch3,2010ofaparentorgrandparentoftheEligibleIndividualthatis(a)arefundofpremiums(asdefinedinsubsection146(1));(b)aneligibleamountundersubsection146.3(6.11);or(c)apayment(otherthanapaymentthatispartofaseriesofperiodicpaymentsorthat

relates toanactuarialsurplus)outoforunderapooledregisteredpensionplan,aregisteredpensionplanoraspecifiedpensionplan.

“Government Funded Benefits”meanstheCanadaDisabilitySavingsGrantand/ortheCanadaDisabilitySavingsBond.“Legislated Maximum Formula Result”means the resultof the formuladescribed inparagraph146.4(4)(l)oftheITA.“Lifetime Disability Assistance Payments”meansDisabilityAssistancePaymentsthat,aftertheybegintobepaid,arepayableatleastannuallyuntiltheearlierofthedayonwhichtheBeneficiarydiesandthedayonwhichthePlanisterminated.“Plan”meansthisarrangementestablishedhereunderandknownastheBMODisabilitySavingsPlan.“Plan Trust”meansthetrustgovernedbythePlan.“Qualifying Family Member”inrelationtoaBeneficiaryofadisabilitysavingsplan,atanytime,meansanindividualwho,atthattimeis

a. alegalparentoftheBeneficiary;or

b. aspouseorcommon-lawpartnerof theBeneficiarywho isnot livingseparateandapartfromtheBeneficiarybyreasonofabreakdownoftheirmarriageorcommon-lawpartnership.

“Qualifying Person”means:If the Beneficiary has not reached the age of majority at or before the time thearrangementisenteredinto:1. alegalparentoftheBeneficiary;2. aguardian,tutor,curatororotherindividualwhoislegallyauthorizedtoactonbehalf

oftheBeneficiary;or3. apublicdepartment,agency,orinstitutionthatislegallyauthorizedtoactonbehalf

oftheBeneficiary.IftheBeneficiaryhasreachedtheageofmajorityatorbeforethetimethearrangementisenteredintobutisnotcontractuallycompetenttoenterintothearrangement,QualifyingPersonwillmeananentityasdescribedinparagraphs2or3ofthisdefinition.Otherthanforthepurposeofacquiringsuccessororassigneerightsasdescribedinsection4,an individualwho isaQualifyingFamilyMember in relation to theBeneficiary isaQualifyingPersonifthefollowingconditionsaremet:a. TheQualifyingFamilyMemberopensthePlanfortheBeneficiarybeforeJanuary2019;b. AtthetimethePlanisopened,theBeneficiaryisnottheBeneficiaryofanotherRDSP;c. TheBeneficiaryattainedtheageofmajoritybeforethePlanwasenteredinto;d. NoentitythatislegallyauthorizedtoactonbehalfoftheBeneficiaryexist;ande. After reasonable inquiry, the Trustee determines that the Beneficiary is not

contractuallycompetenttoenterintothisPlanwiththeTrustee.“Registered Disability Savings Plan”meansaDisabilitySavingsPlanthatsatisfiestheconditionsofsection146.4oftheITA.“Specified Maximum Amount”meansthegreaterofthelegislatedmaximumformularesultandthesumof:• 10%oftheplan’sfairmarketvalue;and• allperiodicpaymentsfromlocked-inannuitycontracts.Thefairmarketvaluedoesnotincludeamountsheldinlocked-inannuitycontracts.Also,iftheplandisposesofalocked-inannuitycontractduringthecalendaryear,theperiodicpaymentamountwillcontainareasonableestimateofamountsthatwouldhavebeenpaidfromtheannuityintotheplaninthatyear.“Specified Minister”meanstheMinisterofEmploymentandSocialDevelopmentCanada.“Specified RDSP Payment” meansapaymentthatismadetothePlanafterJune2011thatisdesignated,inprescribedform,bytheHolderandtheBeneficiaryasaSpecifiedRDSP Payment at the time the payment is made. The payment is an amount thatoriginated from the registered retirement savings plan, registered retirement incomefund,specifiedpensionplan,pooledregisteredpensionplanorregisteredpensionplanoftheBeneficiary’sdeceasedparent(s)orgrandparent(s).Theamountwaspaidasarefundofpremiums,aneligibleamount,orapayment(withexceptiontoapaymentthatispartofaseriesofperiodicpaymentsorpaymentsthatrelatetoanactuarialsurplus)becauseoftheparent(s)orgrandparent(s)deathandtheBeneficiarywasfinanciallydependenton theparentorgrandparentbecauseofamentalorphysical infirmityat the timeoftheirdeath.“Specified Year”meanstheparticularcalendaryearinwhichamedicaldoctorlicensedtopractiseunderthelawsofaprovince(oroftheplacewheretheBeneficiaryresides)certifies in writing that the Beneficiary’s state of health is such that, in his or herprofessionalopinion, theBeneficiary isnot likely to survivemore thanfiveyearsand,if thePlan isaSpecifiedDisabilitySavingsPlan,eachsubsequentcalendaryear,or, inanyothercase,eachofthefivecalendaryearsfollowingtheparticularcalendaryear.Forgreatercertainty,aSpecifiedYeardoesnotincludeanycalendaryearpriortothecalendaryearinwhichthecertificationisprovidedtotheTrustee.2. PURPOSE OF THE PLANThePlanwillbeoperatedexclusivelyforthebenefitoftheBeneficiaryunderthePlan.The Beneficiary’s designation is irrevocable and no right of the Beneficiary to receivepaymentsfromthePlaniscapableofsurrenderorassignment.3. REGISTRATIONThefollowingconditionsmustbesatisfiedinorderforthePlantobeconsideredregistered:a. beforethePlanisenteredinto,theTrusteemustreceivewrittennotificationfromthe

MinisterofNationalRevenuethatprovidesapprovalofthespecimenplanunderwhichthearrangementisbased;

b. atorbeforethetimethePlanisenteredinto,theTrusteemustbeprovidedwiththenameandthesocialinsurancenumbersoftheBeneficiaryandeveryentitywhoentersintothePlanwiththeTrustee(inthecaseofanentitythatisabusiness,theirbusinessnumber);

c. atthetimethePlanisenteredinto,theBeneficiarymustberesidentinCanadaunlesstheBeneficiaryiscurrentlyaBeneficiaryunderanotherRegisteredDisabilitySavingsPlan;and

d. theBeneficiarymustbeaDTC Eligible Individual in respectof the taxationyear inwhichthePlanisopenedforhim/her.

The Plan will not be considered registered unless the Trustee notifies the SpecifiedMinisterofthePlan’sexistencewithoutdelay.Thenotificationmustbeinprescribedformcontainingprescribedinformation.The Plan will not be considered registered if the Beneficiary of the Plan is also theBeneficiaryofanotherRegisteredDisabilitySavingsPlanthathasnotbeenterminatedwithoutdelay.The Beneficiary and/or Accountholder maintain the sole responsibility of determiningeligibilityfortheDisabilityTaxCredit(DTC).IntheeventthattheTrustee/AgentreceivesnoticethattheBeneficiaryisnot/nolongerDTC eligible, the Trustee will make reasonable efforts to contact the Accountholder/Beneficiary.4. CHANGES IN ACCOUNTHOLDERAnentitymayonlybecomeasuccessororassigneeofanAccountholderiftheentityis:a. theBeneficiary;b. theBeneficiary’sestate;c. anAccountholderofthePlanatthetimerightsareacquired;d. aQualifyingPersoninrelationtotheBeneficiaryatthetimerightsunderthePlanare

acquired;ore. alegalparentoftheBeneficiarywhowaspreviouslyanAccountholderofthePlan.

Form No. 435 (12/17)

BMO DISABILITY SAVINGS PLAN – TRUST AGREEMENT

Anentitymaynotexercisetheir rightsasasuccessororassigneeofanAccountholderuntil the Trustee is advised that theentityhasbecomeanAccountholderof thePlan.BeforeanentitymayexerciseitsrightsasasuccessororassigneeofanAccountholder,theTrusteemustbeinreceiptoftheentity’ssocialinsurancenumberorbusinessnumber,asthecasemaybe.IfanAccountholder(otherthanalegalparentoftheBeneficiary)ceasestobeaQualifyingPerson,heorshewillalsoceasetobeanAccountholderofthePlan.TheremustbeatleastoneAccountholderofthePlanatalltimesandtheBeneficiaryortheBeneficiary’sestatemayautomaticallyacquirerightsassuccessororassigneeofanAccountholderinordertocomplywiththisrequirement.AQualifyingFamilyMember(whoisaQualifyingPersonsolelybecauseofconditionsa)toe)undertheQualifyingPersondefinition)willceasetobeHolderofthePlan if theBeneficiarynotifiestheIssuerthattheywishtobecometheHolderandeithertheIssuer,after reasonableenquirydetermines thebeneficiary tobe contractually competent,ora competent tribunal or other provincial authority has declared the Beneficiary to becontractuallycompetent.AQualifying FamilyMember (who is aQualifyingPerson solely becauseof conditionsa)toe)undertheQualifyingPersondefinition)willceasetobeHolderofthePlanifanentitydescribedinpoint2or3oftheQualifyingPersondefinitionisgivenlegalauthorityto act on behalf of the Beneficiary. The entity will promptly notify the issuer of theirappointment, at which time the entity will replace the Qualifying Family Member asHolder.IfthereisadisputeoveraQualifyingFamilyMember’sstatusasHolder,theQualifyingFamilyMember(whoisaQualifyingPersonsolelybecauseofconditionsa)toe)undertheQualifyingPersondefinition)mustattempttoavoidareductioninthefairmarketvalueofthePlanTrust’sproperty.TheQualifyingFamilyMembermustapplythisrequirementuntilthedisputeissettledoranewentityisnamedasHolder.5. WHO MAY BECOME A BENEFICIARY OF THE PLANAn individual may only be designated as a Beneficiary of the Plan if the individualis resident in Canada when the designation is made, unless he or she was already aBeneficiaryunderanotherRegisteredDisabilitySavingsPlan.TheindividualmustalsobeaDTCEligibleIndividualinrespectofthetaxationyearinwhichthePlanisopenedforhim/herbeforedesignationasaBeneficiaryofthePlancantakeplace.AnindividualisnotconsideredaBeneficiaryofthePlanuntiltheAccountholderdesignatestheBeneficiaryontheapplicationbyprovidingtheBeneficiary’sfullname,address,socialinsurancenumber,gender,anddateofbirth.6. CONTRIBUTIONSOnlytheAccountholdermaymakecontributionstothePlanunlesstheAccountholderhasgivenwrittenconsenttoallowanotherentitytomakecontributionsintothePlan.Contributions may not be made into the Plan if the Beneficiary is not a DTC EligibleIndividualinrespectofthetaxationyearinwhichthecontributionismade.AcontributionmaynotbemadeintothePlanif:a theBeneficiaryisnotresidentinCanadaatthattime;b. theBeneficiaryturns59yearsofagebeforethecalendaryearthatincludesthattime;

orc. thetotalofthecontributionandallothercontributionsmade(otherthanasatransfer

inaccordancewithsection11)atorbeforethattimetothePlanortoanyotherplanoftheBeneficiarywouldexceed$200,000.

ContributionsmaynotbemadeintothePlaniftheBeneficiarydiedbeforethattime.AcontributiondoesnotincludeGovernmentFundedBenefits,paymentsfromDesignatedProvincialProgramsorpaymentsfromprogramssimilartoDesignatedProvincialProgramsthatarefunded,directlyor indirectly,byaprovince(otherthananamountpaidbyanentitydescribedinparagraph3ofthedefinitionofQualifyingPersonin itscapacityasholderoftheplan).Otherthanforthepurposesofthissectionandforthepurposesofsection10,aSpecifiedRDSPPaymentandanaccumulatedincomepaymentfromaregisterededucationsavingsplanarenot considered contributions to thePlan. Thesepaymentsarenot consideredadvantages in relationto theplan(theyarenotconsideredabenefitora loanthat isconditionalinanywayontheexistenceofthePlan).Any dishonoured cheques or other amounts that cannot be processed will not beconsideredtobeacontributiontotheAccount.7. INVESTMENTSThepropertyofthePlanTrustshallbeinvestedandreinvestedbytheTrusteeexclusivelyontheinstructionsoftheAccountholder(orofapersonauthorizedbytheAccountholder,inaformandmannersatisfactorytotheTrusteeortheAgent,tomanagetheinvestmentsoftheAccount).Thepropertymaybeinvestedininvestmentswhichrequiredelegation,suchasmutualfunds,pooledfundsandsegregatedfunds.ThepropertymaybeinvestedininvestmentswhichareissuedbytheTrustee,theAgentoranyoftheiraffiliates.BMOInvestmentsInc.willbethemutualfunddealerfortheAccountholderinconnectionwith the Plan. In its capacity as the mutual fund dealer for the Accountholder inconnectionwiththePlan,BMOInvestmentsInc.willbegovernedbythelaws,rulesandregulationsapplicable tomutual funddealers.Neither theTrusteenor theAgent shallhaveanydutyor responsibility,fiduciaryorotherwise (including, forgreater certainty,underanylegislationregardingtrusteeinvestmentdutiesandpowers)tomakeorchooseanyinvestment,todecidewhethertoholdordisposeofanyinvestmentortoexerciseanydiscretionwithregardtoanyinvestmentofthepropertyofthePlanTrust,exceptasotherwiseexpresslyprovidedinthisTrustAgreement.OtherthanitsdutieswithrespecttothePlanoritspropertyasexpresslystatedinthisTrustAgreement,theTrusteeshallnotberequiredorexpectedtotakeanyactionwithregardtoaninvestmentwithoutpriorinstructionsfromtheAccountholder.Neither the Trustee nor the Agent shall be responsible for determining whether anyinvestmentmadeon instructions isor remainsaqualified investment fora registereddisabilitysavingsplanundertheITAhowever,theTrusteeshallexercisethecare,diligenceandskillofareasonablyprudentpersontominimizethepossibilitythatatrustgovernedbytheRDSPholdsanon-qualifiedinvestment.8. RECORDKEEPING FOR THE ACCOUNTThe Trustee will record all contributions and transfers made to the Plan Trust, allinvestmenttransactionsandinvestmentearnings,gainsandlossesandalldistributionsandtransfersmadefromthePlanTrust.TheAgentwillprepareperiodicstatementsofaccountofthePlanTrustinaccordancewiththerules,regulationsandpracticesapplicabletomutualfunddealers.9. PAYMENTS FROM THE PLANNopaymentswillbemadefromthePlanotherthan:a. thepaymentofDisabilityAssistancePaymentstoaBeneficiaryofthePlan;b. the transferofanamount toanother trust that irrevocablyholdspropertyundera

RegisteredDisabilitySavingsPlanoftheBeneficiary,asdetailedinsection11;and

c. repaymentsofamountsundertheCDSAanditsRegulationsoraDesignatedProvincialProgram.

ADisabilityAssistancePaymentmaynotbemadefromthePlanifthefairmarketvalueofthepropertyheldbythePlanTrust,immediatelyafterthepaymentismade,wouldbelessthantheAssistanceHoldbackAmountinrelationtothePlan.WherethereisinsufficientcashinthePlanTrustatanytime,theTrusteeortheAgentshallmakereasonablerequestsforinstructionsfromtheAccountholderregardingwhichinvestmentsofthePlanTrusttoliquidateinordertorealizesufficientcashtomakethepayment.If,aftermakingreasonablerequestsfromtheAccountholderatthelastaddressprovided by the Accountholder, the Trustee or the Agent do not receive instructionssatisfactorytoitfromtheAccountholderwithinareasonabletime,theTrusteemay, inits discretion, liquidatepart or all of theproperty of thePlan Trust in order to realizesufficientcashtomakethepayment.AnysuchliquidationshallbemadeatsuchpricesastheTrusteemayinitsdiscretiondeterminetobethefairmarketvalueofthepropertyatthetime.LifetimeDisabilityAssistancePaymentswillbeginnolaterthantheendofthecalendaryear inwhich theBeneficiary turns60yearsofage. In suchacasewhere thePlan isestablished after the Beneficiary turns 60 years of age, Lifetime Disability AssistancePayments will begin in the calendar year immediately following the calendar year inwhichthePlanisestablished.IftheBeneficiaryreached59yearsofagebeforethecurrentyear,thetotalamountofall payments that are made from the Plan in the year must be at least equal to theLegislated Maximum Formula Result.LifetimeDisabilityAssistancePayments for a calendar year are limited to theamountdeterminedbytheLegislated Maximum Formula Result.10. DISABILITY ASSISTANCE PAYMENTSIf the total amount of all Government Funded Benefits paid into this and any otherRegisteredDisabilitySavingsPlanoftheBeneficiarybeforethebeginningofthecalendaryearexceedsthetotalamountofcontributionspaidintothisandanyotherRegisteredDisabilitySavingsPlanoftheBeneficiarybeforethebeginningofthecalendaryear,thenthefollowingconditionsmustbeadheredto:a. IfthecalendaryearisnotaSpecifiedYearforthePlan,thetotalamountofDisability

AssistancePaymentsmade in theyear fromthePlanwillnotexceedtheSpecifiedMaximumAmount.

When calculating the total amount, a transfer as detailed in section 11 is to bedisregardedifpaymentsaremadeinlieuofthosethatshouldhavebeenmadeunderthepriorplanoftheBeneficiaryasdescribedinparagraph146.4(8)(d)oftheITA.Atransferasdetailedinsection11istobedisregardedifthetransferismadeinlieuofapaymentthatwouldhavebeenpermittedtobemadefromtheotherplaninthecalendaryearifthetransferhadnotoccurred.

b. If theBeneficiaryhas reached27yearsofagebutnot59yearsofagebefore theparticular calendar year, the Beneficiary may direct that one or more DisabilityAssistancePaymentsbemade fromthePlan in theyearprovided that the totalofallDisabilityAssistancePaymentsmadefromtheplanintheyeardonotexceedtheamountimposedbytheconstraintsofparagrapha.ofthissection.ThesepaymentsmaynotbemadefromthePlanifthefairmarketvalueofthepropertyheldbythePlanTrust,immediatelyafterthepaymentismade,wouldbelessthantheAssistanceHoldbackAmountinrelationtothePlan.

c. IftheBeneficiaryhasreached59yearsofagebeforetheparticularcalendaryear,thetotalofallDisabilityAssistancePaymentsmadefromthePlanintheyearwillnotbelessthantheLegislatedMaximumFormulaResult.IfthepropertyinthePlanTrustisinsufficienttomakeavailabletherequiredamount,alesseramountmaybepaid.

11. TRANSFERSAtthedirectionof theAccountholder(s)of thePlan, theTrusteemaytransfer(out)allpropertyheldbythePlanTrustdirectlyintoanotherRegisteredDisabilitySavingsPlanoftheBeneficiary.TheTrusteewillprovidetheissuerofthenewplanwithallinformationintheirpossessionthatisnecessaryforthenewissuertocomplywiththerequirementsoftheApplicableLegislation.TheTrusteewillterminatethePlanimmediatelyfollowingthetransferintothenewRegisteredDisabilitySavingsPlanandthetransferwillbecompletedwithoutdelay.InadditiontoanyotherDisabilityAssistancePaymentsthatarerequiredtobepaidtothe Beneficiary in the year, if the Beneficiary is transferring an amount from anotherRegisteredDisabilitySavingsPlanandtheBeneficiaryattainedtheageof59yearsbeforethecalendaryearinwhichthetransferoccurs,thePlanwillmakeoneormoreDisabilityAssistancePaymentstotheBeneficiarywhosetotalwillbeequaltotheamountbywhich:a. thetotalamountofDisabilityAssistancePaymentsthatwouldhavebeenmadefrom

thepriorplanintheyearifthetransferhadnotoccurredexceeds;b. thetotalamountofDisabilityAssistancePaymentsmadefromthepriorplaninthe

year.TransfersofcashandotherpropertyacceptabletotheTrusteemaybemadetothePlanbythePlanholder.Acceptabletransfersinclude,transfersfromotherRDSPs,transfersofamountsreceivedasabeneficiaryofanRESP,RSP,anRPPoraRIF.TheassetsofthePlan(intheaggregate,the“Fund”)shallconsistofsuchcontributionsandtransfers,togetherwithanyincomeorgainsearnedorrealized,andshallbeheld,investedandappliedinaccordancewiththisTrustAgreement.12. TERMINATION OF THE PLANAftertakingintoconsiderationtheAssistanceHoldbackAmountandanyrepaymentsofamounts under the CDSAand its Regulationsor aDesignatedProvincial Program, anyremainingamountinthePlanwillbepaidtotheBeneficiaryortohisorherestate.Thisamountwillbepaidbytheendofthecalendaryearfollowingtheearlierof:a. thecalendaryearinwhichtheBeneficiarydies;andb. if the Plan remains open because of a DTC election, the first calendar year under

whichtheDTCelectionceasestobevalid,and inanyothercase, thefirstcalendaryearthroughoutwhichtheBeneficiaryhasnosevereandprolongedimpairmentasdescribedinparagraph118.3(1)(a.1)oftheITA.ThePlanmustbeterminatedbytheendofthecalendaryearfollowingtheearlierof:

(i) thecalendaryearinwhichtheBeneficiarydies;and(ii)if the Plan remains open because of a DTC election, the first calendar year under

whichtheDTCelectionceasestobevalid,and inanyothercase, thefirstcalendaryearthroughoutwhichtheBeneficiaryhasnosevereandprolongedimpairmentasdescribedinparagraph118.3(1)(a.1)oftheITA.

13. NON-COMPLIANCE OF THE PLANIf either the Trustee, theAccountholder, or theBeneficiaryof thePlan fails to complywiththerequirementsinrespectofRegisteredDisabilitySavingsPlansassetoutintheApplicableLegislationorifthePlanisnotadministeredinaccordancewithitsterms,thePlanwillbeconsiderednon-compliantandwillceasetobeaRegisteredDisabilitySavingsPlanatthattime.

Form No. 435 (12/17)

BMO DISABILITY SAVINGS PLAN – TRUST AGREEMENT CONTINUED

At the time the Plan ceases to be registered, a Disability Assistance Payment will bedeemed tohavebeenmade from thePlan to theBeneficiary or, if theBeneficiary isdeceased,totheirestate,thatisequaltotheamountbywhichthefairmarketvalueofthepropertyheldbythePlanTrustexceedstheAssistanceHoldbackAmount.IfthePlanceasestoberegisteredbecauseaDisabilityAssistancePaymentismadethatresultsinthefairmarketvalueofthepropertyintheplanbeinglessthantheAssistanceHoldbackAmount,anadditionalDisabilityAssistancePaymentwillalsobedeemedtobemadefromthePlantotheBeneficiaryatthattimewhichisequalto:(i) theamountbywhichthelesseroftheAssistanceHoldbackAmountinrelationtothe

PlanandthefairmarketvalueofthepropertyheldbythePlanTrustatthetimeofpaymentexceeds;

(ii)the fairmarketvalueof thepropertyheldby thePlanTrust immediatelyafter thepayment.

Thenon-taxableportionofthispaymentwillbedeemedtobenil.IftherequirementsoftheApplicableLegislationarenotmet,thePlanwillceasetobeaRegisteredDisabilitySavingsPlanunlesstheMinisterofNationalRevenuewaivessuchrequirements.14. OBLIGATIONS OF THE TRUSTEETheTrusteewillforwardnotificationofanychangeinAccountholderunderthePlantotheSpecifiedMinisterinprescribedformcontainingprescribedinformationonorbeforethedaythatis60daysafterthelaterof:(i) thedayonwhichtheTrusteeisadvisedofthechangeinAccountholder;and(ii)thedayonwhichtheTrusteeisprovidedwiththesocialinsurancenumberorbusiness

numberofthenewAccountholder.TheMinisterofNationalRevenuemustapproveamendmentstothespecimenplanunderwhichthisPlanisbasedbeforetheTrusteecanamendthePlantermsandconditions.IftheTrusteediscoversthatthePlanisorwilllikelybecomenoncompliant,theTrusteewillnotifyboththeMinisterofNationalRevenueandtheSpecifiedMinisterofthisfactwithin30daysaftertheTrusteebecomesawareofpossibleorfactualnon-compliance.IftheTrusteeentersintothePlanwithaqualifyingfamilymemberwhoisaQualifyingPersonsolelybecauseofa-eunderthedefinitionofQualifyingPerson,above,theTrusteewillberequiredto:a. sonotifythebeneficiaryunderthePlanwithoutdelayinwritingandincludeinthe

notificationinformationsettingoutthecircumstancesinwhichtheAccountholderofthePlanmaybereplacedundersection146.4(1.5)or146.4(1.6)oftheIncomeTaxAct(Canada)(ITA).

b. collect and use any information provided by the holder that is relevant to theadministrationandoperationofthePlan.

IftheTrusteefailstocomplywiththeseobligations,theTrusteeisliabletopenaltiesassetoutinsubsection162(7)oftheITA.TheTrusteewillexercisethecare,diligenceandskillofareasonablyprudentpersontominimizethepossibilitythatanAccountholderofthePlanmaybecomeliabletopaytaxunderPartXIoftheITAinconnectionwiththePlan.15. THIRD PARTY ORDERS OR DEMANDS – AND INDEMNITYTheTrusteeand/ortheAgentshallbeentitledtobeindemnifiedbytheAccountholderinrespectofanycosts,expenses,chargesorliabilitieswhatsoeverthatmayariseoutoftheTrustee’sand/ortheAgent’sgoodfaithcompliancewithanylaw,regulation,judgment,seizure, execution, notice or similar order or demand which lawfully imposes on theTrusteeand/or theAgentaduty to takeor refrain from takinganyaction concerningthePlanorpartorallof thepropertyof thePlanTrust,or to issuepayment fromthePlan Trust, with or without instructions from the Accountholder or in contradiction ofinstructionsof theAccountholder. The Trusteeand/or theAgentmaypermit anydulyauthorizedpersontohaveaccesstoandtherighttoexamineandmakecopiesofanyrecords,documents,paperandbooksinvolvinganytransactionofthePlanorPlanTrustorrelatedtothemandshallsimilarlybeentitledtoindemnityoutofthepropertyofthePlanTrustforsodoing.IntheeventthepropertyofthePlanTrustshallbeinsufficienttoindemnifytheTrusteeand/ortheAgentfullyinanysuchregard,byestablishingtheAccounttheAccountholderagreestoindemnifyandholdtheTrusteeand/ortheAgentharmlessforanysuchcosts,expenses,chargesorliabilities.The Trustee/Agent retains the ability to restrict trading upon receipt of an order ordemand.TheTrustee/Agentwillnotbeliableforanydecreasesinaccountvalueduringtherestrictionperiod.16. OWNERSHIP AND VOTING RIGHTSThe Trustee may hold any property or investment of the Plan Trust in its own name,inthenameof itsnominee, inbearerformor insuchothernameastheTrusteemaydetermine.ThevotingorotherownershiprightsattachedtoanyinvestmentsheldinthePlanTrustmaybeexercisedbytheAccountholderandtheAccountholderisappointedastheTrustee’sagentandattorneyforthispurpose,toexecuteanddeliverproxiesand/orotherinstruments,inaccordancewithapplicablelaws.17. FEES, EXPENSES, TAXES, INTEREST AND PENALTIESTheTrusteeand/ortheAgentmaychargeadministrationandtransactionfees, insuchamountsandatsuchtimesasmaybefixedbytheTrusteeand/ortheAgentfromtimetotime,providedthattheTrusteeand/ortheAgentwillgivereasonablepriorwrittennoticetotheAccountholderofachangeintheamountofsuchfees.Suchfeesmaybepaidforoutof,orrecoveredfrom,thepropertyofthePlanTrust,totheextentthattheyarenotpaidwhenduebytheAccountholder.The Accountholder acknowledges that BMO Investments Inc. may charge fees,commissionsandexpensestothepropertyofthePlanTrustinitscapacityasthemutualfunddealerfortheAccountholder.TheTrusteeand/ortheAgentmaychargeexpensesincurredbytheTrusteeand/ortheAgentintheadministrationofthePlanandthePlanTrust.Suchexpensesmaybepaidoutof,orrecoveredfrom,thepropertyofthePlanTrust,totheextentthattheyarenotpaidonatimelybasisbytheAccountholder.All taxes, penalties, and interest applicable to thePlan, the Trustee, or thePlan Trust(butnot,forgreatercertainty,applicabletotheAccountholder)shallbechargedtotheAccountholder. Such taxes, interest and penalties will be paid by the Accountholder.ProvidedhoweverthattheTrusteeand/ortheAgentmaynotchargeorrecoverfeesorexpensestotheextentthatitwouldresultinthefairmarketvalueofthepropertyofthePlanTrustbeinglessthantheAssistanceHoldbackAmount.Subject to the paragraph above, the Trustee may, without instructions from theAccountholder,applyanycashheldinthePlanTrustforthepaymentoffeesorexpenseschargedtothePlanorthePlanTrust.WherethereisinsufficientcashinthePlanTrustatanytime,theTrusteeortheAgentshallmakereasonablerequestsforinstructionsfromtheAccountholderregardingwhichinvestmentsofthePlanTrusttoliquidateinordertorealizesufficientcashtomakethepayment.If,aftermakingreasonablerequestsfromtheAccountholderatthelastaddressprovidedbytheAccountholder,theTrusteeortheAgent

donotreceiveinstructionssatisfactorytoitfromtheAccountholderwithinareasonabletime,theTrusteemay,initsdiscretion,liquidatepartorallofthepropertyofthePlanTrustinordertorealizesufficientcashtomakethepayment.AnysuchliquidationshallbemadeatsuchpricesastheTrusteemayinitsdiscretiondeterminetobethefairmarketvalueofthepropertyatthetime.18. INSTRUCTIONSTheTrusteeandtheAgentshallbeentitledtorelyuponinstructionsreceivedfromtheAccountholderorfromanypersondesignatedinwriting, inaccordancewithapplicablelaws,bytheAccountholdertogiveinstructionsonbehalfoftheAccountholderorfromanypersonpurportingtobetheAccountholderorsuchdesignatedperson,asiftheywerefromtheAccountholder.TheTrusteeortheAgentmay,withoutincurringanyliabilitytotheAccountholder,theBeneficiaryoranyotherperson,declinetoactuponanyinstructioniftheinstructionisnotgiveninatimelymanner,isnotinwritingwheretheTrusteeorAgentrequireit,isnotinaformorformatwhichtheTrusteeorAgentrequire,orintheopinionoftheTrusteeorAgentisnotcompleteordoesnototherwisecomplywiththeTrustee’sorAgent’sotherrequirementsatsuchtime;orifanyofthemhasanydoubtthattheinstructionhasbeenproperlyauthorizedoraccuratelytransmitted.19. LIMITATION OF LIABILITY AND INDEMNITYNeithertheTrusteenortheAgentshallbeliabletotheAccountholderortheBeneficiary(or to the spouseor common-lawpartner of theAccountholder orBeneficiary, or anybeneficiaryorlegalpersonalrepresentativeoftheAccountholderorBeneficiary)foranylosstoordiminutionofthepropertyofthePlanTrustorforanyotherlosses,expenses,taxes,interestandpenalties,damages,claimsordemandsresultingfromanyoftheiractsoromissions,orforactinginaccordancewithinstructionsorfailingtoactintheabsenceofinstructions,excepttotheextentthatitiscausedbytheirnegligence,wilfulmisconductorlackofgoodfaith.TheTrusteeandtheAgentshallbeentitledtobeindemnifiedoutofthepropertyofthePlanTrustforallcosts,expenses,chargesorliabilitiesofwhatevernatureorkindwhichmayinanywayariseoutoforbeconnectedwiththisTrustAgreementorthePlanorPlanTrustexcepttotheextentthatsuchcosts,expenses,taxes,interestorpenalties,chargesorliabilitiesaredirectlycausedbygrossnegligence,wilfulmisconduct,lackofgoodfaithorbreachofApplicableLegislationonthepartoftheTrusteeortheAgent.IntheeventthepropertyofthePlanTrustshallbeinsufficienttoindemnifytheTrusteeandtheAgentfullyinanysuchregard,byestablishingthePlantheAccountholderagreestoindemnifyandholdtheTrusteeandtheAgentharmlessforanysuchcosts,expenses,chargesorliabilities.If,afterreasonableinquiry,theTrusteeofadisabilitysavingsplanisoftheopinionthatanindividual’scontractualcompetencetoenterintoadisabilitysavingsplanisindoubt,noactionliesagainsttheTrusteeand/ortheAgentforenteringintoaplan,underwhichtheindividualistheBeneficiary,withaQualifyingFamilyMemberwhoisaQualifyingPersonsolelybecauseofparagraph(c)ofthedefinitionof“QualifyingPerson”,above.IfadisputearisesasaresultoftheTrustee’sacceptanceofaQualifyingFamilyMemberwhoisaQualifiedPersonsolelybecauseofparagraph(c)ofthedefinitionof“QualifiedPerson”,above,asanAccountholderofthePlan,fromthetimethedisputearisesuntilthetimethatthedisputeisresolvedoranentitybecomestheholderofthePlanundersubsection146.4(1.5)or146.4(1.6)oftheITA,theAccountholderofthePlanshallusetheirbesteffortstoavoidanyreductioninthefairmarketvalueofthepropertyheldbytheplantrust,havingregardtothereasonableneedsoftheBeneficiaryunderthePlan.20. AMENDMENTSubjecttosection15,theTrusteemayfromtimetotimeinitsdiscretionamendthisTrustAgreementortheincludedapplicationwhichcomprisethePlanbygiving30dayspriornoticetotheAccountholder;providedhoweverthatanyamendmentshallnotdisqualifytheAccountasaRegisteredDisabilitySavingPlanacceptableforregistrationundertheITAoranyapplicableprovinciallegislation;andprovidedfurtherthatanyamendmenttoensurethePlancontinuestocomplywiththeITAmaytakeeffectonadatepriortothedatenoticeisgiven.21. REPLACEMENT OF TRUSTEETheTrusteemayresignupon60days’priorwrittennoticegiventotheAgent(orsuchshorternoticeastheAgentmayaccept).TheAgentmayterminatetheTrusteeastrusteeupon 60 days prior written notice given to the Trustee (or such shorter notice as theTrusteemayaccept).UpontheresignationorterminationoftheTrustee,theTrusteeshallbe releasedanddischarged fromall duties and liabilities under this TrustAgreement.WheretheTrusteeresignsoristerminated,theAgentshallappointasuccessortrusteewhoispermittedtobetheissuerofaRegisteredDisabilitySavingsPlanundertheITA.TheAgentshallgivetheAccountholderwrittennoticeofthesuccessortrusteewithin30daysoftheappointment.22. FAILING TO ATTAIN/LOSING REGISTERED STATUSThe Accountholder is solely responsible for ensuring that the information provided totheTrustee/AgentuponaccountopeningisconsistentwiththeinformationonfilewiththeCanadaRevenueAgency.TheAccountholderissolelyresponsibleforcontactingtheCanadaRevenueAgencytorectifyanyinconsistenciesinthisinformation.Intheeventthatanaccountfailstoattainregisteredstatus,orlosesitsregisteredstatus,theTrusteemaytreattheaccountinaccordancewithSection13Non-ComplianceofthePlan,above.23. NOTICEYoumaygiveus instructionsverbally,electronically,bypersonaldelivery,by facsimileorbymail,postagepre-paid,addressedtousortheAgentoranyotheraddressthatwedesignate,andshallbedeemedtohavebeenreceived,ifmailed,onthethirdbusinessdayaftermailingor,ifsentelectronicallyorbyfacsimiletransmission,onthedaysent.Wemaygiveyouanynotice,statementorreceiptbypersonaldeliveryormail,postageprepaid, at the address yougaveon yourApplication. If younotifiedus or theAgentaboutyournewaddress,anynotice,statementorreceiptfromusortheAgentwillbeconsideredtohavebeengiventoyouatthetimeofpersonaldelivery,orifmailed,onthethirdbusinessdayaftermailing.24. BINDINGThetermsofthisTrustAgreementshallbebindinguponthesurvivor,beneficiaries,heirs,executorsandadministratorsof theAccountholderandupon the respective successorsandassignsoftheTrusteeandtheAgent.ThisAgreementmaybeassignedbytheTrusteeatanytimetoapersonwhoispermittedtobetheissuerofaRegisteredDisabilitySavingsPlanundertheITA;howevertheAccountholdermaynotassignthisTrustAgreement.25. GOVERNING LAWThis Trust Agreement shall be governed by and interpreted in accordance with thelawsof the jurisdiction inCanada inwhich thebranchof theAgent (oranaffiliate) islocatedwheretheAccountismaintained.IfanyprovisionoflegislationreferredtointhisAgreementisrenumberedduetoachangeinlaw,thenthatreferenceistobeconsideredtobetotheprovisionasrenumbered.

Form No. 435 (12/17)

BMO DISABILITY SAVINGS PLAN – TRUST AGREEMENT CONTINUED

TERMS AND CONDITIONS

I M P O R TA N T I N F O R M AT I O N A B O U T B M O I N V E S T M E N T S I N C . A N D O U R R E L AT I O N S H I P W I T H Y O U BMOInvestmentsInc.providesservicesandadvicerelatingtotheinvestmentaccountsand retail investment products we offer. Our network of Financial Services Managers,FinancialPlanners,Investment&RetirementPlanningandInvestmentSpecialistsattheBMOInvestmentCentreisyourprimarypointofcontact.Werefertothemhereasyour“investmentprofessional”.Here,weprovideyouwithcertaincoreinformationaboutthenatureofyourrelationshipwithusandwithyourinvestmentprofessional.Otherimportantinformationyouneedtoknowaboutyourrelationshipwithusiscontainedinotherdocumentsthatareprovidedtoyouasaclient,suchastradeconfirmations,accountstatements,investmentand/orretirement plans and assessments, offering and continuous disclosure documents andupdatesaboutchangestoinformationthatwillbeprovidedtoyoufromtimetotime.

The Products and Services we can offer you BMOII is a member of the Mutual Fund Dealers Association of Canada (“MFDA”), isregulatedbytheMFDA,andisregisteredunderprovincialandterritorialsecuritieslawsto sell mutual funds. We also offer other types of investment products such as terminvestments (like certain guaranteed investment certificates) and certain principalprotectednotesofferedbyouraffiliates,includingBankofMontreal.ThroughourFinancialPlanners, we also offer investment and retirement planning services to clients whorequest these services and to clients who we identify as potentially benefitting fromsuchservices.It is importanttokeepinmindthatwedonotoffer legal,accountingortaxadvicetoyou,andyoushouldconsultprofessionalsinthoseareasifyouhavequestionsabouttheimpactofyourinvestmentsonyourlegal,accountingortaxsituation.It is also important to be aware that, although we offer investment advice andrecommendations,wewillnotmakeinvestmentdecisionsonyourbehalf.Youoranyoneyougiveauthoritytoactonyourbehalfisresponsibleformakinginvestmentdecisionsforyouraccount.BMOIIFinancialPlannersarenotabletorecommendpurchasesofmutualfundsofferedbynon-affiliatedmutualfundcompanies(“third-partyfunds”).However,BMOIIFinancialPlannersmay,atyourexpressrequest,[transfer and]purchasenoloadorfront-endloadseriesofthird-partymutualfundsforyourAccount.BMOIIreservestherighttoceaseofferingpurchasesofthird-partyfundsatanytimewithoutnotice.Pleaserefertothe“ThirdPartyMutualFundsIn-KindTransfers”sectionforadditionaldetailsonthird-partyfundtransfers.

Investment Suitabi l i ty Eachinvestmentrecommendationweprovidetoyouandeachorderweacceptfromyouforyouraccountisbasedonyouressentialfactsasprovidedbyyou.Suchrecommendationsmustbesuitableforyou,inlightofyourinvestmentobjective,risktolerance,timehorizonandotherpersonalandfinancialcircumstancesyouidentifyasrecordedinyouraccount.Wewillconductasuitabilityassessmentofyouraccountwhenever:

• youplaceanordertobuyand/orsellinvestments(unlesssuchsaleconstitutesafullredemptionofyouraccount);

• youtransferassetstoyouraccount(bothnewlyopenedandexistingaccounts);or• yourecordforyouraccountanychangestoyourstatedrisktolerance,timehorizon

or investmentobjectivesorothermattersthathaveasignificant impactonyourstatednetworthorincome.

Wewillnotmonitoryouraccounttoensuretheongoingsuitabilityofyourinvestments.Therefore,ifyouhaveanyquestionsorconcernsaboutthesuitabilityoftheinvestmentsinyouraccount,orbelievetheinvestmentsinyouraccountnolongerreflectyourstatedinvestmentobjective,risktolerance,timehorizonorothercircumstances,orifyouwishtochangeanyinformationaboutyouraccountthatyoupreviouslyprovidedtous,youmustnotifyusimmediately.Wewillremindyouofthisobligationonanannualbasis,inwriting.Oursuitabilityassessmentwilltakeintoconsiderationalloftheinvestmentsheldinyouraccountandconsequentlyyoumayholdsomeinvestmentsthathaveariskratingthatishigherorlowerthantherisktolerancethatyouhaveprovidedtousfortheinvestmentsinyouraccount.

Information you provide us Provincial securities laws require that we collect from you and record certain keyinformationaboutyouandeachorderoraccountweaccept.SomeofthetermsusedintheYour Investment Detailssectionofouraccountapplicationsaredefinedasfollows:

Your Investment Object iveSelecting one of the following investment objectives indicates which objective bestdescribes the goal of your account, meaning that the majority of the holdings in theaccountshouldhelpachievethisgoal.Byindicatingwhichinvestmentobjectiveismostimportantforyouraccount,youalsohelpusensurethatyouhavechosenanappropriateinvestmentgoalforyourneeds.Security of Capital.ClientswhoseprimaryobjectiveisSecurityofCapitalseekstabilityand preservation of capital. They normally hold money market investments and terminvestmentssuchasGICs.Theseclientsoftendesireminimalvolatilityandwilltypicallyacceptlowerreturnsasatrade-offforverylowrisk.Insome,butnotallinstancestheymaybeinvestingtheirmoneyfortheshort-term.Fixed Income.ClientswhoseprimaryobjectiveisFixedIncomedesirearegularincomedistribution, and are less concerned with capital appreciation. They often hold a highproportionofinvestmentsthatpayinterestsuchasbonds,whichmaybetakenincashor reinvested.Theseclients typicallyacceptsomevolatility inexchangeforapotentialreturn.Insome,butnotallinstancestheymaybeinvestingtheirmoneyfortheshort-term.Conservative Balanced.Clientswhoseprimaryobjective isConservativeBalancedseekthegenerationof incomedistributionwithpotentialmodestcapitalappreciation.Theiraccountholdingsnormallyconsistofdiversifiedinvestmentsthatgenerallyhold60%infixedincomeinvestmentsandnotmorethan40%inequityinvestments.Theseclientsareabletotoleratesomefluctuationsintheirinvestmentreturnsandtypicallyhavemediumorlong-termtimehorizons.Balanced.Clientswhoseprimaryobjective isBalancedseekthepotentialofmoderatecapital appreciation with modest income distribution though a diversified portfolio ofinvestmentsdesignedtolimitexcessivefluctuationsinthevalueoftheirportfolio.Theygenerally hold 40% in fixed income investments and not more than 60% in equityinvestments.Theseclientsareabletotoleratefluctuationsintheirinvestmentreturnsandtypicallyhavemediumorlong-termtimehorizons.

Growth.ClientswhoseprimaryobjectiveisGrowthdesireanaccountwiththegreatestconcentration of equity holdings that may fluctuate in value but provides the mostopportunity for potential higher long-term gains. These clients typically invest for thelong-termand are prepared to accept higher levels of risk in order tomaximize theirreturnpotentialoverthelongrun.

Your Investment KnowledgeYourInvestmentKnowledgeshouldreflectyourunderstandingofinvesting,investmentproducts and their associated risks. You should not buy investments that you do notunderstand. By providing your level of investment knowledge to us, you can help usbetterexplainmutualfundstoyou.Nil:youhavelittleornoinvestmentunderstandingand/orexperience.Fair:youhavelimitedinvestmentexperienceandexposuretoinvestmentproducts.Youunderstandthatingeneral,equitiesareriskierthanbonds.Good: you have a considerable amount of investment experience and exposure todifferent investment products. You understand the capital markets and the differentfinancialproductsthatexist.Excellent:youhavebroadandextensiveinvestmentexperienceandhavehadexposuretomultipleinvestmentproducts.Youunderstandtherisk/returntradeoffsassociatedwithinvestingininternationalmarkets.

Your Risk Tolerance RiskToleranceisagaugeofaclient’swillingnessandabilitytowithstandbothfluctuationsinthevalueoftheirinvestmentsandvolatilityintheirinvestmentreturns.Riskvariesfromonemutualfundtoanother.Aclientmaybewillingtoassumesomeriskproportionatetotheirdesiretoobtainhigherreturns.Generally,aclient’srisktolerancewillfallintooneofthefollowingcategories:

Risk Category Description

Low If you are a client with a low risk tolerance, then you are riskadverse;willing to acceptonly aminimal amountof volatility inyour account and willing to accept lower investment returns inordertopreserveyourinvestmentcapital.HoldingsinthiscategorymayincludeinvestmentssuchasGICsandmoneymarketfunds.

Low to Medium Ifyouareaclientwithalowtomediumrisktolerance,thenyouarewillingtoacceptslightlymorevolatility,ascomparedtoaclientwitha lowrisktolerance, inreturnfortheprospectofsomeincreasedgrowth.Holdingsinthiscategorymayincludeinvestmentssuchasbondorbalancedfunds.

Medium If you are a client with a medium risk tolerance, then you arewillingtoacceptsomevolatilityinyouraccountwhichmayresultinperiodicdeclinesinthevalueofyourinvestmentsasatrade-offforpotentiallyhigherlong-termgrowth.Holdingsinthiscategorymayinclude investments such as balanced funds or large-cap equityfunds.

Medium to High Ifyouareaclientwithamediumtohighrisktolerance,thenyouare willing to accept fluctuations in your investment returns andperiodic declines in the value of your investments in exchangefor the potential of even greater growth in your investments ascomparedtoaclientwithamediumrisk.Holdingsinthiscategorymayincludeinvestmentssuchassmallcapequityfunds.

High Ifyouareaclientwithahighrisktolerance,thenyouremphasisisonmaximizingyourgrowthpotentialandassuchyouarewillingtoacceptlargeperiodicdeclinesinthevalueofyourinvestmentsinexchangeformaximizingyourpotentialreturns.Holdingsinthiscategorymay include investmentssuchasnichefunds inspecificmarketsectorsorgeographicareas.

Your T ime Horizon Yourtimehorizonindicatesthelengthoftimethatyouarepreparedorwishtoholdyourinvestment.Italsorelatestohowfarinthefutureyourfinancialgoalsforyouraccountare.Ifyouareinvestingforashort-termgoal,yourtimehorizonwillbemuchshorterthanifthepurposeofyouraccountistoaccumulatewealthforyourretirementthatisseveralyearsaway.Itisyourobligationtoensurethatyoukeepyourrecordswithusup-to-dateandthatyoupromptlynotifyusifyourpersonalcircumstanceschangeorifyourstatedinvestmentobjective,risktoleranceortimehorizonchangeforyouraccount.

Payments for your investment purchases Wedonotacceptcashforbusinessyouconductwithus.PaymentsforyourinvestmentsmaybebychequemadepayabletoBMOInvestmentsInc.ChequesshouldnotbemadepayabledirectlytoyourinvestmentprofessionalortoBankofMontreal.Asanalternativetopayingbycheque,ifyouhaveabankaccountwithBankofMontrealyoumayauthorizeustodebityourbankaccountintheamountofthepurchasepriceofyourinvestments.

Payment of Interest on Cl ient Cash held in Trust Anycashwehold foryou,eitheraspayment for,orasproceedsof redemptionof,aninvestmentproduct,willbedepositedintrustuntildisbursed.ClientcashheldintrustwillearnvariableinterestatarateofBankofMontreal’sPrimeRateminus3%.Allinterestearnedonclientcashheldintrustwillbedistributedonaproratabasistothemutualfund companies of each of the mutual funds to which the trust account pertains forreinvestment.

Your Instruct ions Limited Authorization for Trade Instructions.UnderthisAgreement,yougrantusalimitedauthorizationtoenterintopurchases,switches,andredemptionsonyourbehalf.Youdonotgiveustheauthorityortherighttoconductdiscretionarytradingonyourbehalf,andwewillnotcomplete transactionsonyourbehalfwithout ineachcaseobtainingyourpriorspecificauthorization.Inthecaseofjointaccounts,wewillonlyexecutetransactionsonyourbehalfinaccordancewiththestandingauthorizationinstructionsinplaceonyourjointaccountatthetimeofeachtrade,whichwillbebindingonalljointaccountholders.Acting on Instructions.YouagreethatallInstructionsacceptedandacteduponbyBMOIIwill, intheabsenceofgrossnegligenceorwillfulmisconductonthepartofBMOII,beconsideredtobevalid,notwithstandingthat,amongotherthings,theydidnotcomefromyou,orweredifferentfromanypreviousorlaterInstructions.Not Acting on Instructions. YouacknowledgethatBMOIImaydecidenottoactuponyourInstructionsforanyreason,including,ifwedoubtthattheseinstructionsareaccurateorarefromyou,oriftheyarenotunderstood.BMOIIreservestherightnottoacceptyourrequestifwedecideatourdiscretionthatitisnotappropriatetodoso,basedonyourpersonalinvestmentneedsandotherinformationyouhaveprovided.

Form No. 435 (12/17)

TERMS AND CONDITIONS CONTINUED

Termination. You acknowledge that you may terminate this authorization by writtennotificationtoBMOInvestments Inc.andtheterminationwillbeeffective5daysafterdeliveryofsuchnotification.

Updating Your Account InformationYouagreetopromptlyadviseusifyouneedtoupdateanyinformationrelatingtoyourAccount. In particular, you agree to advise us immediately if your residential address,income,investmentobjective,risktoleranceand/ortimehorizonchangeorifthereisanysignificantchangeinyourfinancialaffairs,includingyournetworth.Youagreetoprovideuswithwritteninstructions,ifrequested.IfyoumoveoutsideofCanadatemporarilyorpermanently,wemaynotbeallowedtoacceptTradingInstructionsfromyouordobusinesswithyou,andwemayredeemyourinvestmentsorcloseyourAccount.Therefore,ifyourcountryofresidencechanges,youwillberesponsibleforanywithholdingtaxesthatariseandagreetocloseyourAccount,ifrequiredbyus.

Content and Frequency of Our Report ing to YouTrade Confirmations Wewillprovideyouwithwrittenconfirmationofthemutualfundtransactionsthattakeplaceinyouraccountshortlyafterthetransactionsoccur.Thisconfirmationwill includedetailsregardingthemutualfundsinvolvedineachtransaction.Wewillissueyouatradeconfirmationforthefirstmutualfundtransactionmadeunderasystematicwithdrawalplanandforthefirstpurchasemadeunderacontinuoussavingsplan.Account StatementsAtleastquarterly,youwillreceiveanaccountstatementforeachaccountyouholdwithusthatwillincludecertaininformationabouteachtransactionmadeforyouraccountduringtheperiodcoveredbytheaccountstatement,includingthequantityanddescriptionofeachinvestmentpurchased,soldortransferredandthedatesofeachtransactionandyourpersonalrateofreturn(“PROR”).Youraccountstatementmayalsoincludeyourbusinesswithcertainofouraffiliates.Onanannualbasis,youwillreceiveanaccountstatementforeachaccountyouholdwithusthatwillinclude:

· theannualchangeinthevalueofyouraccountforthe12monthperiodcoveredbythereport;

· thecumulativechangeinthemarketvalueoftheaccount,sincetheaccountwasopened;

· theannualizedtotalpercentagePRORforyouraccountorportfolio,usingamoney-weightedmethodology,fora1,3,5and10yearperiodandsinceaccountinception;

· any fees that you paid (directly) to us over the course of the 12 month periodcoveredbythereport;and

· asummaryofotherfees(compensation)wereceived,basedonthemutualfundsyouheldforthesame12monthperiod.

YourPROR,whichiscalculatedusingamoney-weightedformula,representsthecumulativerealized and unrealized capital gains and losses of your investment, plus any incomefromtheinvestment,overaperiodoftime,expressedasapercentage.Money-weightedratesofreturnareaffectedbychangesinthevalueofyourinvestment,dividendsandinterestdistributionsandalsodepositsandwithdrawalsfromyourinvestment.YourPRORiscalculatedafterfeesandotherchargeshavebeendeducted,butnotincometax.IfyouholdaProgressiveGIC, the indexvalue isbeingusedasthemarketvaluetocalculateyourPROR.IfyouholdaDepositNote,thecurrentintrinsicvalueofthenoteisusedasthemarketvaluetocalculateyourPROR.YourPRORcalculationmayalsobeimpactedbyback-datedtransactionsasanyactivitythatoccurredbetweenthetradeandpostingdatesisnotbeingtakenintoaccountforthePRORcalculation.YoucanelecttoreceiveeStatementsandeConfirmationsatanytime,orreverttoreceivingpaperstatements,bychangingyoursettingsinBMOOnlineBanking.Inaddition,youmayreceive,atnocost,apapercopyofatradeconfirmationoraccountstatementpreviouslydeliveredelectronicallybyvisitingaBMObranchor callingBMO Investment Centreat1-800-665-7700.Itisyourobligationtothoroughlyreviewyourtradeconfirmationsandaccountstatementsupon receipt and to advise us of any questions or concerns immediately. If you haveelected to receive eStatements or eConfirmations, the confirmations and accountstatements will be posted automatically to your BMO Online Banking profile and willnotbesenttoyoubymail,emailoranyothermethodofelectronicdelivery.Youwillbeabletoretrievetheavailablestatementsandconfirmationsthroughthe“eStatements”link. eConfirmations will be posted within 3 days of the value date of the trade andeStatementswill beavailablewithin11days from theendof eachquarter. Bothwillremainavailableforviewingforaperiodof7years.eConfirmationsandeStatementswillbeinPDFformatonly.Itisyourresponsibilitytodownload,andobtainalicencefor,AdobeAcrobatsoftwareinordertoview,printandsaveyoureStatementsandeConfirmations.YoumayopttoreceivenotificationsthatnewtradeconfirmationsoraccountstatementshavebeenpostedtoyourBMOOnlineBankingprofilebyclickingonthe“MyAlerts”linkonBMOOnlineBanking, orby clickingon theAlerts icon in theBMOmobilebankingapplication.Ifyouopttochoosetoreceivenotifications,itisyourresponsibilitytokeepyourprofileup-to-dateandtoinformBMOofanychangestoyourpreferredmethodofdelivery(i.e.changeinemailaddressormobilephonenumber).FailureofanotificationtobedeliveredwillnotrevokeyourconsenttoreceiveeConfirmationsandeStatements.Compensation we receive Non-affiliatedinvestmentfundmanagerspayBMOIIongoingtrailingcommissionsfortheservices and advice we provide you. The amount of the trailing commission dependsonthesaleschargeoptionyouchosewhenyoupurchasedafund.Youarenotdirectlycharged the trailing commission but it will affect you because it reduces the amountof thefund’sreturntoyou.Further informationaboutthetrailingcommissionsofyourinvestmentfund(s)isincludedintheprospectusorfundfactsdocumentforeachfund.Your investment professional earns an annual salary, and may receive a short-termincentive pay award and/or other rewards and recognitions of nominal value in thenormal course of their employment relationship with Bank of Montreal. A portion oftheremunerationyourinvestmentprofessionalreceivesfromitsemployer,theBankofMontreal,mayalsobebasedonapercentageof the revenue theygenerate for theirbranchandforreferringyoutoanaffiliateoftheBankofMontreal.Youdonotpayyourbranchoryourinvestmentprofessionaldirectlyforanyoftheproductsandservicesweofferyou.BMOIIpaysa fee to theBankofMontreal to cover thedistribution costsofmutualfundsthroughtheBankofMontrealbranchnetwork.ThisfeeisincludedinthemanagementexpenseratiosdisclosedbyBMOII.Use of BenchmarksYou may assess the performance of your investments by comparing them to aninvestment performance benchmark. A benchmark shows the performance of

aselectgroupofsecuritiesover time.Althoughasingularbenchmarkmaybeused,ablend of benchmarks may be appropriate for portfolios which include different assetclasses and investments. Currently, we do not provide benchmark comparisons in ouraccountreporting.Investorsareencouragedtoworkwiththeiradvisortodetermineanappropriatebenchmarkformeasuringtheirportfolio.

F E E S A N D E X P E N S E SThe following outlines the fees and expenses you could pay to buy, own and sellyourfunds.Short term trading fee.Short-termtradingbyinvestorsmayadverselyaffectallinvestorsinafund.Todiscourageshort-termtrading,afundmay,atBMOII’ssolediscretion,chargeashort-termtradingpenaltyofup to2%of theamount thatyou redeemorswitch ifyoubuyorswitchandthenredeemorswitchsecuritiesofthefundwithin30daysofpurchasingorswitchingthem.Thispenaltywillbepaiddirectlytothefund.Pleaseseeapplicablefundfactsorthesimplifiedprospectusforfurtherdetails.Transfer Fees.Most Institutionschargeafeetotransfer investmentaccountsfromoneinstitutiontoanother.Transfercostsmayvary.Youunderstandthattransferrequestsmaybesubjecttoadministrative,transferorotherfeeschargedbytherelinquishinginstitutionandyouagreethatitisyourresponsibilitytopayanysuchfees.Registered plan fees. An annual administration fee of $10 (plus applicable taxes) ischargedforeachRRSPandRESPaccount.Thisfeemaybedifferentifyouinvestthroughadealerotherthanus.Afeeof$50(plusapplicabletaxes)maybeappliedtoaregisteredplanaccountifyoutransferit,inwholeorinpart,toanotherinstitution.Thisfeemaybedifferentifyouinvestthroughadealerotherthanus.Dishonoured payments.$25(plusapplicabletaxes)Other fees and expenses.Theremaybeotherfeesorcostschargedbythemanufacturerofan investmentproductweofferyou.Youshould read theprospectus/FundFactsofthemutualfundsyoupurchasethroughusforinformationaboutthemanagementfees,expensesandothercostsassociatedwithyourinvestment,andtheofferingdocumentsofanyotherinvestmentproductyoupurchasethroughusforinformationaboutthefeesandcostsassociatedwithinvestinginthoseproducts.Formorespecificinformation,pleasecontactyouradvisor.

J O I N T & S E V E R A L A C C O U N T A G R E E M E N T Instructions and Payments.YouagreethatBMOInvestments Inc.orBankofMontrealMortgageCompany(“BMMC”)maytakeinstructionstosell,exchange,orotherwisedealwiththesecuritiesunitsofBMOMutualFundsortheGICsintheAccountfromanyoneofyou,andmaypayallproceedsfromtheredemptionofunitsorGICsorfromdistributionstoanyoneofyou,oryourrespectiveattorneyoragent.Paymentofsuchamountmaybemadeinrelianceuponareceiptsignedbyanyoneofyou,oryourrespectiveattorneyor agent, and such payment shall discharge BMO Investments Inc. or BMMC from allliabilitieswhatsoeverwithrespecttotheunitsandmoniessopaid.AnyoneofyoumaygiveinstructionstoBMOInvestmentsInc.orBMMCwithrespecttoanymatterorchangesrelatingtothePlansuchas,butnotlimitedto,changestoyourpersonalinformation,changestoinvestmentinstructions,orothermatters.Investment Details.YouagreethattheinformationregardingyourInvestmentObjective,RiskTolerance,ownershipofotherfunds,andTimeHorizon,asrecordedintheApplicationandallsubsequentApplications,areapplicabletoallofyouandwillapplytotheAccount.YoualsoagreethatAnnualIncomeandNetWorth,asrecordedintheApplicationandallsubsequentapplications,arerecordedonacombinedbasis(thatis,asthetotalAnnualIncomeandNetWorthofallofyou).Statements.YouacknowledgethatBMOInvestmentsInc.orBMMCwilldelivernotices,confirmationsorstatementstoeachjointaccountholderofrecord.Thismeansthatifyouandyour joint accountholder resideatdifferent addresses,wewill senda statementtoeachofyou.Notices,confirmationsandstatementswillbeeffectiveandbindingonallofuswhentheyaresenttoeachofyouatthelatestaddresskeptinourrecordsorby electronic delivery to the BMO Online Banking profile(s) linked to any one of theaccountholders.Joint Tenancy (not applicable in Quebec).Youacknowledgethatunlessotherwiseagreedinwriting,allunitsorGICspurchasedandanyunitsormoniesarisingfromadistributionmadeunderthePlanisyourjointpropertywiththerightofsurvivorship.Itisunderstoodandagreed that ifoneofyoushoulddie,allassets in thePlanautomaticallybecomeproperty of the other Planholder(s). In order to make this legally effective, you eachassignsuchassetstotheotherPlanholder(ortheothersjointlyifthereismorethanoneotherPlanholder).

B M O I N V E S T M E N T C E N T R E A G R E E M E N T – T E L E P H O N E A N D I N T E R N E T A C C E S S Instructions. BMO Investments Inc. is authorized to accept instructions (“Instructions”)fromyoubytelephone,facsimile,Internetorotherelectronicmeans:

a) to deal with any BMO Mutual Fund or Bank of Montreal Mortgage Corporation(“BMMC”) GIC held in your name/names at BMO Investments Inc. Instructionsmay include, among others, trading transactions such as purchases, exchangesor redemptions, and changes to your investment needs and other personalinformation;

b) to transfer money to or from the bank account(s) specified on the Applicationhereofbyinitiatingelectronicdepositstoorwithdrawalsfromsuchaccount(s).YouconsenttotherecordingofyourtelephonecallswithBMOInvestmentsInc.

Your Password. You acknowledge that you are responsible for maintaining theconfidentialityandsecurityof: (a)yourpassword,user IDandaccountnumber,andb)anyandallcommunicationswithusovertheInternetorourtoll-freenumbers.BMOIIwillnotberesponsibleforanydamagesarisingoutofthemisuseofyourpassword,userIDandaccountnumber.Confirming Your Identity.YouunderstandthatBMOInvestmentsInc.maytakestepstoconfirmyouridentitypriortoacceptanceofanyrequesttotransactonyouraccount.Withdrawal and Service Interruption.YouagreethatBMOInvestmentsInc.maywithdrawtheseservicesatanytimeandwillnotbeliableforanydamages,losses,costsorinjuryrelatedtotheuseoftheseservicesorcancellationofanyoralloftheseservices,includingfor its inability to receive instructions because of problems or inadequacies involvingtelephone,facsimile,Internetorotherelectronicsystems.Payments. You acknowledge that payment of redemption proceeds may not reachtheaccount specifiedbyyouherein for up to5businessdays following thegivingofInstructionsbyyou.

Form No. 435 (12/17)

L O A N I N F O R M AT I O N Risk of Borrowing to Invest.Herearesomerisksandfactorsthatyoushouldconsiderbeforeborrowingtoinvest:

Is i t Right for You?Borrowingmoneytoinvestisrisky.Youshouldonlyconsiderborrowingtoinvestif:

• Youarecomfortablewithtakingrisk.• Youarecomfortabletakingondebttobuyinvestmentsthatmaygoupordownin

value.• Youareinvestingforthelong-term.• Youhaveastableincome.

Youshouldnotborrowtoinvestif:• Youhavealowtoleranceforrisk.• Youareinvestingforashortperiodoftime.• Youintendtorelyonincomefromtheinvestmentstopaylivingexpenses.• Youintendtorelyonincomefromtheinvestmentstorepaytheloan.Ifthisincome

stopsordecreasesyoumaynotbeabletopaybacktheloan.

You Can End Up Losing Money• Iftheinvestmentsgodowninvalueandyouhaveborrowedmoney,yourlosses

wouldbelargerthanhadyouinvestedusingyourownmoney.• Whetheryourinvestmentsmakemoneyornotyouwillstillhavetopaybackthe

loanplusinterest.Youmayhavetosellotherassetsorusemoneyyouhadsetasideforotherpurposestopaybacktheloan.

• Ifyouusedyourhomeassecurityfortheloan,youmayloseyourhome.• Iftheinvestmentsgoupinvalue,youmaystillnotmakeenoughmoneytocover

thecostsofborrowing.

Tax Considerat ions• Youshouldnotborrowtoinvestjusttoreceiveataxdeduction.• Interest costs are not always tax deductible. You may not be entitled to a tax

deductionandmaybereassessedforpastdeductions.Youmaywanttoconsultataxprofessionaltodeterminewhetheryourinterestcostswillbedeductiblebeforeborrowingtoinvest.

Youradvisorshoulddiscusswithyoutherisksofborrowingtoinvest.

C O N T I N U O U S S AV I N G S P L A N A G R E E M E N TYouunderstand thateach transactionpursuant toyour request to setupaContinuousSavingsPlanissubjecttoacceptancebyBMOInvestmentsInc.ThisContinuousSavingsPlanwill continue ineffectuntil thedateyouhave selectedas the lastdate for yourcontributionsoruntilyouprovidenoticetoterminatethisContinuousSavingsPlantoBMOInvestments Inc.on10businessdayspriorwrittennotice.BMOInvestments Inc., in itssolediscretion,reservestherighttoceasetoofferorterminateanyContinuousSavingsPlansrelatingtothepurchaseofthird-partymutualfunds.For more information on your right to cancel this Continuous Savings Plan, you maycontactBMOInvestmentsInc.byvisitingyourlocalBMOBankofMontrealbranch,callingtheBMOInvestmentCentreat1-800-665-7700orbymail:

BMO Investments Inc. 1FirstCanadianPlace100KingStreetWest,43rdfloorToronto,ON,M5X1A1

Youunderstandthatyouhavecertainrecourserightsifanydebitdoesnotcomplywiththisagreement.Forexample,youhavetherighttoreceivereimbursementforanydebitthatisnotauthorizedorisnotconsistentwiththisContinuousSavingsPlanagreement.To obtain more information on your recourse rights, you may contact your financialinstitutionorvisitwww.payments.ca.You acknowledge that a transaction confirmation will only be issued for the firsttransactionpursuanttothisContinuousSavingsPlan,althoughaccountstatementswillbeissuedatleastquarterlysummarizingalltransactionsinyouraccount.YouauthorizeBMOInvestmentsInc.todraw,bymeansofpersonalpreauthorizeddebits,onyouraccountatthefinancialinstitutionnotedtoeffecttheContinuousSavingsPlan.You authorize the applicable financial institution to process such debits against youraccountinaccordancewiththerulesofPaymentsCanada.YouacknowledgethatahandlingfeemaybechargedtoyouiftherearenotsufficientfundsintheaccountwhenadebitisprocessedtomakeapurchaseofBMOMutualFundsaccordingtotheContinuousSavingsPlan.BMOInvestmentsInc.mayreverseaContinuousSavings Plan purchase of mutual funds, or continue to hold you responsible for suchpurchasesiftherearenotsufficientfundstoeffectthepurchaseorifthedebittransactionisreversedbythepayingfinancial institution.Thefinancial institutionprocessingthesepre-authorizeddebits isnot requiredtoverify thatBMOMutualFundswerepurchasedinaccordancewiththisagreement.YouacknowledgethatdeliveryofthisagreementtoBMOInvestmentsInc.byyouconstitutesdeliverytoyourfinancialinstitutiondescribedandyouconsenttothedisclosureofanypersonalinformationwhichmaybecontainedinthisauthorizationtosuchfinancialinstitution.You certify that all information provided with respect to the Account to be debited isaccurate and you agree to inform BMO Investments Inc. in writing of any change intheaccountinformationprovidedinthisAgreementatleastten(10)businessdayspriortothenextscheduleddebit.Intheeventofanysuchchange,thisAgreementshallcontinueinrespectofanynewaccounttobeusedforpre-authorizeddebits.Ifforanyreasonadebitwasnotdrawninaccordancewiththisagreement,suchdebitmaybedisputedbycompletingadeclarationwithin90daysatthefinancialinstitutionthatdebitwasdrawnfrom.

C O N F L I C T O F I N T E R E S T M AT T E R S Conflicts of interest may occasionally arise in the ordinary course of our business. Intheevent thataconflictorpotentialconflictof interestarises,weandour investmentprofessionals will ensure that it is addressed using responsible business judgmentinfluencedonlybythebest interestsofourclients.Whereconflictscannotbeavoided,wehavechosentomanagethem.Wehavepoliciesandproceduresinplacetomanagetheconflictsofinterestthatwebelievearesufficienttoprotecttheinterestsofourclientsandfulfillourobligationstoourclients.Thefollowingaresomeofthenormalconflictsofinterestthatexistormayarisebetweenusandourclients.

Outside Act ivit ies . OurinvestmentprofessionalsareemployeesofBankofMontrealand,onbehalfofBankofMontreal,mayofferproductssuchas,orservicesrelatingto,deposits,mortgages,loans

andcertaininsurance.SuchproductsandservicesaretheresponsibilityandbusinessofBankofMontrealandarenotrelatedtoBMOII.Our investment professionals may in certain circumstances, and where permittedby legislation and our policies and procedures, engage in other activities, includingemploymentandvolunteeractivities,outsideofBMOIIandBankofMontreal.Relationship between BMO Investments Inc. and Bank of Montreal.Weareawholly-ownedindirectsubsidiaryofBank of Montreal. BankofMontreal isareportingissuerwithsecuritieslistedandtradingontheTorontoStockExchangeandtheNewYorkStockExchange.Inadditiontobeingtheprincipalshareholder(meaningapersonorcompanythat is thedirector indirectregisteredorbeneficialownerofmorethan10percentofany classor seriesof voting securitiesofanotherpersonor company)ofBMOII,Bankof Montreal is the principal shareholder of the following other firms registered underCanadian securities laws (collectively, our “Affiliate Registrants”): BMO InvestorLineInc.,BMONesbittBurnsInc.,BMOPrivateInvestmentCounselInc.,BMOHarrisFinancialAdvisors, Inc., BMO Asset Management Inc., Monegy, Inc. and Pyrford InternationalLimited.CertaindirectorsandofficersofBMOIIarealsoormaybecomedirectorsandofficersofBankofMontrealand/oroneormoreofourAffiliateRegistrants.WemayobtainfromorprovidetoBankofMontrealand/oroneormoreofourAffiliateRegistrantsmanagement,administrative,referraland/orotherservicesinconnectionwithourrespectiveongoingbusiness activities or transactions completed by us or these other companies. Theserelationshipsaresubjecttocertainlegislativeandindustryregulatoryrequirementsthatimpose restrictions on dealings between related registrants intended to minimize thepotentialforconflictsofinterestresultingfromtheserelationships.Wehavealsoadoptedinternalpoliciesandproceduresthatsupplementtheserequirements,includingpoliciesonconfidentiality.

Related Products . Weoffermutualfundsthatwemanage,includingsomethatareadvisedbyoneormoreofouraffiliates,andwealsoofferproductsthatareissuedormanagedbyouraffiliates.Forexample,weoffertheBMOFixedCashFlowPlusDepositwhichisissuedbyBankofMontreal.

Related and Connected Issuers .Where we advise you with respect to securities issued by us or a related party or aconnectedparty inthecourseofdistribution,wemustdisclosetoyouourrelationshipwiththeissuerofthesecurities.

• Anissuerisrelatedtousifweareaninfluentialsecurityholderoftheirs,ortheyare an influential securityholder of ours, or if we have a common influentialsecurityholder.

• An issuer is connected to uswhere a reasonableprospectivepurchaser of theirsecuritiesmightquestiontheissuer’sindependencefromus,apartyrelatedtous,oneofourdirectorsorofficersoradirectororofficerofourrelatedparty.

• Apartyisassociatedwithusifwebeneficiallyown,directlyorindirectly,securitiescarryingmorethan10%ofthevotingrightsoftheparty,orifthepartyisatrust,if we have a substantial beneficial interest or we, or another party in a closerelationship to us such as one of our salespeople, directors or officers serve astrustee.

The following are considered to be issuers that are related and/or connected to us.Thislistiscurrentasofthetimeofpublication.Forthelatestup-to-datelistofrelated/connectedissuers,pleaserefertowww.bmo.com.

• the mutual funds in the BMO Mutual Funds group of funds because they aremanagedanddistributedbyBMOInvestmentsInc.

• themutualfundsintheBMO Private Portfolios,becausetheyaremanagedbyBMOPrivateInvestmentCounselInc.

• the BMO ETFs and the BMO Pooled Funds because they are managed andadministeredbyBMOAssetManagementInc.

• DoubleLine Income Solutions TrustwhichismanagedandadministeredbyBMONesbittBurnsInc.,andouraffiliateBMOAssetManagementInc.providescertainvaluationandaccountingservicesandBMONesbittBurnsInc.actsaspromoter;

•Global Alpha Worldwide Growth Fund which is managed andadministered by BMO Nesbitt Burns Inc., and our affiliate BMO AssetManagement Inc. provides certain valuation and accounting services,andBMONesbittBurnsInc.actsaspromoter;

• Global Water Solutions FundwhichismanagedandadministeredbyBMONesbittBurnsInc.,andouraffiliateBMOAssetManagementInc.providescertainvaluationandaccountingservices,andBMONesbittBurnsInc.actsaspromoter;

• PineBridge Investment Grade Preferred Securities Fundwhich ismanagedandadministeredbyBMONesbittBurnsInc.,andouraffiliateBMOAssetManagementInc.providescertainvaluationandaccountingservicesandBMONesbittBurnsInc.actsaspromoter;

• Star Yield Managers Trustwhich ismanagedandadministeredbyBMONesbittBurnsInc.,andouraffiliateBMOAssetManagementInc.providescertainvaluationandaccountingservices;

• U.S. Housing Recovery FundwhichismanagedandadministeredbyBMONesbittBurnsInc.andouraffiliateBMOAssetManagementInc.providescertainvaluationandaccountingservices,andBMONesbittBurnsInc.actsaspromoter;

Additionally,ouraffiliatesBMOAssetManagementInc.,BMOPrivateInvestmentCounselInc., BMO Asset Management Corp., LGM Investments Limited, Pyrford InternationalLimited,BMOGlobalAssetManagement(Asia)Limited,F&CManagementLimitedandMonegy, Inc. areportfolio advisors to certainof thesemutual funds andflow-throughlimitedpartnerships.Referral Arrangements. The Bank may enter into referral arrangements with othermembers of BMO Financial Group (each, a “Receiving Entity”), pursuant to whichinvestmentprofessionalsmayreceiveabenefitaspartoftheiroverallcompensationforbusinessthatresultsfromareferral.ClientsofBMOFinancialGroupdonotpayadditionalcharges or fees in connection with these referrals. All activity requiring registrationundersecuritieslawsandregulationswillbeperformedbyanentitythatisappropriatelyregisteredunderCanadiansecuritieslaws.PleaserefertothetablebelowfordetailsontheservicesthatmayberenderedandthecategoriesofregistrationofeachReceivingEntity under Canadian legislation. For additional information about referrals, pleaseconsultyouradvisor.


Form No. 435 (12/17)

BMO Nesbitt Burns Inc.

BMO Nesbitt Burns Financial

Services Inc.

BMO InvestorLine Inc.

BMO Private Investment Counsel

Inc.

SERVICES RECEIVING ENTITY MAY PROVIDE TO REFERRED CLIENT•Broker-dealer

services•Portfolio

managementservices

•Estateandinsuranceadvisoryfirm

•Self-directed/discountbrokerageservices

•brokerageservices

•Discretionaryportfoliomanagementservices

•mayengageinexemptmarkettradinginrelationtotheprovisionoftheseservices

CATEGORIES OF REGISTRATION UNDER CANADIAN SECURITIES LAWS•Investmentdealer

inallprovincesandterritories;memberoftheInvestmentIndustryRegulatoryOrganizationofCanada(IIROC)

•Futurescommissionmerchant

•Investmentfundmanager

•NotaregistrantunderCanadiansecuritieslaws

•Investmentdealerinallprovincesandterritories;memberofIIROC

•Portfoliomanager•Exemptmarket

dealer•Investmentfund

manager

ACTIVITIES PERMITTED UNDER CANADIAN SECURITIES LEGISLATION•Trading•Advising,including

discretionaryaccountmanagementandsecuritiesinvestmentservices

•MaynotengageinanyactivitiesrequiringregistrationunderCanadiansecuritieslaws

•Trading•Advising,including

securitiesinvestmentservices

•Advising,includingdiscretionaryaccountmanagementandsecuritiesinvestmentservices

•TradingsecuritiesthatareexemptfromtheprospectusordealerrequirementsunderCanadiansecuritieslaws

ACTIVITIES NOT PERMITTED UNDER CANADIAN SECURITIES LEGISLATIONN/A N/A •Investmentfund

management•Tradinginsecurities

thatarenotExemptSecurities

BMOIIhasenteredintoreferralarrangementswithPlanInstitute(“Plan”)andTheOmegaFoundation(“OMEGA”)whichhaveresultedinreferralstoBMOIIfortheopeningofcertainRDSP or RESP accounts, as the case may be. The arrangements and fees payable aredescribedinthetablebelow.PlanandOMEGAarenotlicensedundersecuritieslegislationto provide investment management services and its representatives may not provideinvestment management services or advice. All regulated investment managementservicesandadvice renderedpursuant to the referralarrangementsareprovidedbyaregisteredrepresentativeofBMOII.BMOIIisnotawareofanyconflictsofinterestresultingfromitsreferralarrangementswithPlanorOMEGA.

ReferringEntity

Services Provided by

Referring Entity

Type ofAccountReferred

Amount of

ReferralFee

Receiving Entity

ServicesProvidedby BMOII

Registration of BMOII

Plan Nationalnot-for-profitorganizationthatfocusesoninnovationthroughadvocatingpolicyreform,educationthroughvariouslearninginitiatives,andleadershipthroughprojectsandpartnerships

RDSP Upto$200perreferredaccount

BMOII

Mutualfund

dealerservices

•investmentfundmanagerinOntario,QuebecandNewfound-landandLabrador

•mutualfunddealerinallCanadianprovincesandterritories;memberoftheMutualFundDealersAssociationofCanada

OMEGA Canadianregisteredcharityandregisteredpublicfoundationthatoperatesaprogramtoaidinthefinancialself-sufficiencyoflow-incomeCanadians

RESP Upto$70perreferredaccount

B M O M AT C H M A K E R ® S T R AT E G I C I N V E S T M E N T S E R V I C EBMO MatchMaker allows you to match your investment goals and risk tolerance tooneof thestrategicBMOMatchmakerMutual Fundsportfolios (“MatchmakerStrategicPortfolios”)ortheBMOMatchmakersavingsportfolio(“MatchmakerSavingsPortfolio”)that is suited toyour investorprofile.AsaBMOMatchMaker client, youacknowledgeandagreethatyourcontributionswillbeautomaticallyallocatedamongtheinvestmentsthatcomprisetheportfolioyouselectatthetimeofyouroriginalinvestment.Ifyouareinvested in a MatchMaker Strategic Portfolio, it will generally be reviewed during thelastmonthofeachcalendarquarter(i.e.,March,June,SeptemberandDecember).Ifthepercentageweightingofanysinglemutual fundheld inyourportfoliovariesbymorethanitssettargetrange,allofthemutualfundsinyourportfoliowillbeautomaticallyrebalancedtorestoretheweightingstotheircurrenttargets.In addition to this automatic rebalancing of the funds in your MatchMaker StrategicPortfolio,thesecuritiesregulatorshavegivenBMOInvestmentsInc.permissiontogiveBMOAssetManagementInc.theauthoritytomakeperiodicstrategicchangestoalltheBMOMatchMakerportfolios in itsdiscretion.TheseadjustmentsarecurrentlyexpectedtooccureverytwoorthreeyearsandmayincludechangestotheinvestmentsincludedinyourBMOMatchMakerportfoliooranadjustmentof theirpercentageweightings, ifnecessary.Theseadjustmentswillonlybemadeinkeepingwitheachportfolio’sstatedinvestmentobjectivesand riskprofilesand thepermitted ranges shownbelow,whichcannotbechangedwithoutyourconsent.Therewillbenochargetoyouinconnectionwiththesestrategicadjustments.ThepermittedrangesforeachassetclasswithinthePortfoliosareasfollows:

Portfolio Cash FixedIncome Equity

IncomeBalancedGrowthEquity Growth

0-10%0-10%0-10%0-15%

65%-90%35%-65%15%-35%

0-25%

10%-35%35%-65%65%-85%75%-100%

TheMatchmakerSavingsPortfoliocomprisesamixofGICsandfixedincomeMutualFunds.Itisnotautomaticallyrebalanced.WhileBMOAssetManagementInc.,(anaffiliateofBMOInvestmentsInc.,thedistributoroftheBMOMatchMakerportfolios)willmakelimiteddiscretionaryinvestmentdecisionsfor the portfolios, it is not responsible for determining or confirming whether a BMOMatchMakerportfolioissuitableforyou.BMOInvestmentsInc.continuestohaveultimateresponsibilityforanychangesthatBMOAssetManagementInc.makestotheportfolios.YouwillhavenodirectrelationshipwithBMOAssetManagementInc.andtheywillnotprovide you with direct access to investment management services. Any transactionsmade to implement these changes will be processed by BMOII and reflected in ourrecordsandinyouraccountonthenextday.Youwillreceiveconfirmationsandaccountstatementsreflectingtheseactivities.

B M O T E R M I N V E S T M E N T S A N D S AV I N G S A C C O U N T S Thefollowingsetsoutthetermsandconditionsoftheterminvestments,GICsorsavingsaccountsreferredtoontheApplicationform.TerminvestmentsandGICsareissuedbytheissuerindicatedontheapplicableApplication,tradeconfirmationoraccountstatement.Additionaltermsandconditionsapplicabletoeachterminvestmentandsavingsaccountcanbe foundon theApplicationand formpartof the termsand conditionsdescribedherein.Amendments.TheissuersoftheinvestmentsmayfromtimetotimeintheirdiscretionamendthesetermsandconditionsuponnoticetotheAccountholder.TheAccountholderagreestoamendmentsmadewhennoticeisgivenintheBank’sCanadianbranchesoranyothermannerwhichtheBankmaydeterminefromtimetotime.

TERM INVESTMENTS AND GICSGuarantee. Uponissue,theinvestmentisavalidobligationoftheissuerandtheprincipalamountand interestpayableareunconditionallyguaranteedby theBank. If the termof a GIC is longer than 60 months, or is in a currency other than Canadian dollars,the investment is not an insureddeposit as definedby the CanadaDeposit InsuranceCorporationAct.Payments.Apayment request regardingany investment is subject toprocessing timeforthepayment.All investmentsarepayableinCanadianDollars.Asusedhereinwithrespect to the investment, “Proceeds“means theprincipal amount of the investmenttogetherwithallinterestaccruedinrespectoftheinvestment.Payment at Maturity.TheissuerpromisestopaytheaccountoftheAccountholder,onthematuritydateoftheinvestment(the“MaturityDate”),theprincipalamountoftheinvestment.Interestispayableontheprincipalfromtheissuedateoftheinvestment(the“IssueDate”)totheMaturityDate, attheannual interestrateindicatedontheApplication. Interest is calculated on the daily closing principal, and will be paid inaccordance with the interest payment method indicated on the Application. For TermInvestmentsredeemableprior totheMaturityDate, the issuerpromisestopayontheMaturityDate,interestforanyamountoftheinvestmentthatisnotredeemedpriortotheMaturityDatecalculatedfromtheIssueDatetotheMaturityDateoftheinvestment,andforeachamountoftheinvestmentthatisredeemedpriortotheMaturityDate,theIssuerpromise topay intereston theamount redeemedon theMaturityDate,or thedateofredemptioniftheinvestmentisredeemedinfull,calculatedfromtheIssueDatetothedateofredemption.Redemptionsmaybesubjecttowithholdingtax.NointerestwillbepaidonBMORedeemableShort-Term InvestmentCertificates redeemedwithinthefirst30days.Maturity Instructions. The Accountholder may only change maturity instructions byprovidingnoticetotheBankinwritingnomorethan21daysbeforethematuritydateoftheinvestment.Minimum Investments. BMO Guaranteed Investment Certificate, BMO RateRiser GICs(Cashable RateRiser, RateRiser Plus and RateRiser Max), BMO Redeemable Short-TermInvestment Certificate and BMO Short-Term Investment Certificate require a minimuminvestmentof$1,000.Redemption. BMO Guaranteed Investment Certificate is not redeemable prior to theMaturityDate,exceptforthepurposeofmakingawithdrawalfromaRIFPlan.CashableRateRiser is redeemable in fullprior to theMaturityDateonlyon thefifteenth (15th)dayofeachmonththroughoutthefirstyearofinvestmentandonthefirstandsecondanniversaryoftheIssueDate.RateRiserPlusisredeemableinfullpriortotheMaturityDateonlyoneachanniversaryoftheIssueDate.RateRiserMaxisnotredeemablepriortotheMaturityDate.BMORedeemableShortTermInvestmentCertificateisredeemable


Portfolio Cash FixedIncome EquityIncome

Balanced

Growth

EquityGrowth 0-10%

0-10%

0-10%

0-15% 65%-90%

35%-65%

15%-35%

0-25% 10%-35%

35%-65%

65%-85%

75%-100%

Form No. 435 (12/17)

priortoMaturityDate.BMOShortTermInvestmentCertificateisnotredeemablepriortotheMaturityDate.ForBMORateRiserGICs,thedateofredemptionwillbedeemedtobetheMaturityDateoftheinvestment.Interestwillbepaiduptobutnotincludingthedateofredemption.Reinvestment.AttheMaturityDatetheProceedsoftheinvestmentwillbereinvestedinthesametypeofinvestment,havingthesametermandinterestpaymentmethodasthematuredinvestment,atthethencurrentannualinterestrate.Interest. ForBMORateRiserGICs,interestispaidasindicatedontheApplication.ThefirstyearoftheinvestmentbeginsontheIssueDateandendsonthedatethatisonedaypriortothefirstanniversaryoftheIssueDate.Subsequentyearsofinvestmentaremeasuredbyanniversariesinlikemanner.Forexample,thefourthyearofinvestmentbeginsonthethirdanniversaryoftheIssueDateandendsonthedatethatisonedaypriortothefourthanniversaryoftheIssueDate.BMO Intuition Savings Portfolio GIC. ABMOIntuitionSavingsPortfolioGICisaone-yearterm BMO Guaranteed Investment Certificate (GIC). The minimum purchase of a GICwithintheportfoliois$250.ForcontributionsmadetothisportfoliothroughaContinuousSavingsPlan, theGICportionof thecontributionwill accumulate inaSavingsAccountandaone-yeartermBMOGuaranteedInvestmentCertificate(GIC)willautomaticallybepurchasedonceanamountof$250ormorehasbeenreached.

SAVINGS ACCOUNTSMinimum Investments.TheinitialminimumamountwhichmaybedepositedinaRESP,TFSA,RDSPSavingsAccountis$50andthereaftertheminimumdepositis$25.Redemption.RESPSavingsAccountsarepayableinwholeorinpartuponrequest.TFSASavingsAccountsarepayableinwholeorinpartuponrequest.RIFSavingsAccountsarepayableinwholeorinpartuponrequest.RDSPSavingsAccountsarepayableinwholeorinpartuponrequest.Interest. RESPSavingsAccount: Interest is calculatedon thedaily closingbalanceandpaidattheendofeachmonth.Interestwillbecalculatedontheentirebalanceattheinterestratefortheapplicablebalancetier.Theinterestratesaresubjecttochange.TFSASavingsAccount:Interestiscalculatedonthedailyclosingbalanceandpaidattheendofeachmonth.Interestwillbecalculatedontheentirebalanceattheinterestratefortheapplicablebalancetier.Theinterestratesaresubjecttochange.RIFSavingsAccount:InterestiscalculatedonthedailyclosingbalanceandispaidintotheInvestmenteachJune30thandDecember31st. Interestwillbecalculatedon theentirebalanceat theinterestratefortheapplicablebalancetier.RDSPSavingsAccount:Interestiscalculatedonthedailyclosingbalanceandpaidattheendofeachmonth.Interestwillbecalculatedontheentirebalanceattheinterestratefortheapplicablebalancetier.Theinterestratesaresubjecttochange.

P R I VA C Y D I S C L O S U R E & C O N S E N TWhat is Personal Information? Personal Information is information about an identifiable individual. It includesinformation that you have provided to us or was collected by us from other sources.It may include details such as your name, address, date of birth, gender, personalfinancialrecords,identificationnumbersincludingyourSocialInsuranceNumber,personalreferences,andemploymentrecords.

Why Do We Ask You For Your Personal Information? WhenwecollectyourPersonalInformation,wemayuseordiscloseitto:

• verifyyouridentity;• provideandmanageproductsandservicesyouhaverequested;• understandyourfinancialservicesrequirements;• protectagainstfraudandmanagerisk;• determinesuitabilityofproductsandservicesforyou;• bettermanageyourrelationshipwithus;• determineyoureligibility forcertainofourproductsandservices,orproductsor

servicesofothers;• complywithlegalorregulatoryrequirements,orasotherwisepermittedbylaw;• communicatewithyouregardingproductsandservicesthatmaybeofinterest;• understandourcustomersandtodevelopandtailorourproductsandservices,and• respondtoanyquestionsyoumayhave.

IfanewpurposeforusingyourPersonalInformationdevelops,wewillidentifythatpurpose.

Sharing Your Personal Information. WemayshareyourPersonalInformationwithinBMOFinancialGroup,includinglocationsoutsideofCanadawherewedobusiness,forlegalandregulatorypurposes,tomanagecreditriskandotherbusinessrisks,toperformanalytics,toensurewehavecorrectoruptodateinformationaboutyou(suchasyourcurrentaddressordateofbirth)andtobettermanageyourrelationshipwithus.

Your Choices. Whenyouapplyforanewproductorservice,weobtainyourconsenttocollect,useordiscloseyourPersonalInformationforthepurposessetoutabove.IfyouprefernottoreceiveourDirectMarketingcommunicationsand/ornothaveyourPersonalInformationsharedamongthemembersofBMOFinancialGroupforthepurposeofmarketing,youcanhaveyournamedeletedfromourDirectMarketingand/orsharedinformationlists.Ifyouwanttochangeyourprivacypreferences,pleaseletusknow.Pleasenotethatyoucannotwithdrawyourconsenttothecollection,useanddisclosureofyourPersonalInformationif:

• wearelegallyrequiredtocollect,useordiscloseyourPersonalInformation,or• it relates toa creditproductwehavegranted toyouwhereweare required to

collectandexchangeyourPersonal Informationonanongoingbasiswith creditbureaus,creditinsurersandotherlenders.

Withdrawingyourconsentincertainsituationsmayalsomeanthatwemaynotbeabletoprovideyouwiththeproductsorservicesyourequest.

Your Pr ivacy. For complete details on our commitment to respect and protect the privacy andconfidentialityofourcustomer’sPersonalInformation,pleaserefertoourPrivacyCode,availableonourwebsiteatbmo.com/privacyoratanyBMOBankofMontrealbranch.Fromtimetotime,wemaymakechangestoourPrivacyCode.ThePrivacyCodefoundonourwebsiteisalwaysthemostrecentversion.

C O M P L A I N T H A N D L I N G P R O C E D U R E S O F B M O I N V E S T M E N T S I N C . BMO Investments has procedures in place to handle any written or verbal complaintsreceivedfromclientsinafairandpromptmanner.Thefollowingisasummaryofthoseprocedures:

How to Fi le a Complaint with BMO Investments Inc .1. WeencourageyoutospeakwiththeBranchManagerattheBMOBankofMontreal

branchwhereyourcomplaintoriginatedandwhereyounormallyconductbusinessorwiththeBMOInvestmentCentreat1.800.665.7700.

2. Ifyourcomplaintremainsunresolvedafterfollowingstep1theBranchManagerwillescalateyourcomplainttoBMOInvestmentsInc.’sHeadOffice.YoumaymakeyourcomplaintdirectlytoourHeadOfficeat:

BMO Investments Inc. Compliance Department 1FirstCanadianPlace100KingStreetWest,19thFloorToronto,ONM5X1A1Facsimile:416.867.4015E-mail:[email protected]

All complaints are forwarded to qualified compliance or supervisory personnel to behandled.Weencourageyoutoputyourcomplaintinwritingorbye-mailwherepossible.Clientswhochoosetocommunicatebye-mailshouldbeawareofpossibleconfidentialityissuesregardinginternetcommunications.Ifyouhavedifficultyputtingyourcomplaintinwriting,pleaseadviseussothatwecanprovideyouwithassistance.Forconfidentialityreasons,wewillonlydealdirectlywithyouoranotherindividualwhohasyourexpresswrittenauthorizationtodealwithusonyourbehalf.Complaint Handling Procedures.Wewillacknowledgebymailreceiptofyourcomplaintpromptly,generallywithinfivebusinessdays,andprovideyouwithacopyoftheMutualFund Dealers Association of Canada’s Client Complaint Information Form (follows) andthesecomplainthandlingprocedures.Wewill reviewyourcomplaint fairly, taking intoaccount all relevant documents and statements obtained from you, our records, ourinvestmentprofessionals,otherstaffmembersandanyotherrelevantsource.Oncewecompleteourreviewwewillprovideyouwiththeresultsofourinvestigationinaresponseletterthatwillbemailedtoyou.Ourresponsemaybeanoffertoresolveyourcomplaint,adenialofthecomplaintwithreasonsoranotherappropriateresponse.Ourresponsewillsummarizeyourcomplaint,ourfindingsandwillcontainareminderabouttheoptionsavailabletoyoutoescalateyourcomplaint,shouldyourconcernsnotbeaddressedtoyoursatisfaction.Wewillgenerallyprovideourresponsewithinninetydays,unlesswearewaitingforadditionalinformationfromyouorifyourcomplaintraisescomplicatedissuesthatrequireadditionalinvestigation.Wewillrespondtocommunicationsyousendusafterthedateofourresponsetotheextentnecessarytoimplementaresolutionortoaddressanynewissuesorinformationyouprovide.Settlements.Ifweofferyouafinancialsettlement,wemayaskyoutosignareleaseandwaiverforlegalreasons.Contacting BMO Investments Inc. You may contact us at any time to provide furtherinformationortoinquireaboutthestatusofyourcomplaint,bycontactingtheindividualhandlingyourcomplaint.

M U T U A L F U N D D E A L E R S A S S O C I AT I O N O F C A N A D A – C L I E N T C O M P L A I N T I N F O R M AT I O N F O R MClientsofamutualfunddealerwhoarenotsatisfiedwithafinancialproductorservicehavearighttomakeacomplaintandtoseekresolutionoftheproblem.MFDAMemberdealershavearesponsibilitytotheirclientstoensurethatallcomplaintsaredealtwithfairlyandpromptly.Ifyouhaveacomplaint,thesearesomeofthestepsyoucantake:

• Contactyourmutualfunddealer.Memberfirmsareresponsibletoyou,theinvestor,for monitoring the actions of their representatives to ensure that they are incompliancewithby-laws,rulesandpoliciesgoverningtheiractivities.ThefirmwillinvestigateanycomplaintthatyouinitiateandrespondbacktoyouwiththeresultsoftheirinvestigationwithinthetimeperiodexpectedofaMemberactingdiligentlyinthecircumstances,inmostcaseswithinthreemonthsofreceiptofthecomplaint.Itishelpfulifyourcomplaintisinwriting.

• ContacttheMutualFundDealersAssociationofCanada(“MFDA”),whichistheself-regulatoryorganizationinCanadatowhichyourmutualfunddealerbelongs.TheMFDAinvestigatescomplaintsaboutmutualfunddealersandtheirrepresentatives,andtakesenforcementactionwhereappropriate.YoumaymakeacomplainttotheMFDAatanytime,whetherornotyouhavecomplainedtoyourmutualfunddealer.

TheMFDAcanbecontacted:• Bycompletingtheon-linecomplaintformatwww.mfda.ca• BytelephoneinTorontoat(416)361-6332,ortollfreeat1-888-466-6332• By e-mail at [email protected] (You may wish to consider issues of

internetsecuritywhensendingsensitiveinformationbystandarde-mail.)• Inwritingbymailto121KingStreetWest,Suite1000,Toronto,ONM5H3T9

orbyfaxat(416)361-9073Compensation:TheMFDAdoesnotordercompensationorrestitutiontoclientsofMembers.TheMFDAexists to regulate the operations, standards of practice and business conduct of itsMembersandtheirrepresentativeswithamandatetoenhanceinvestorprotectionandstrengthenpublic confidence in theCanadianmutual fund industry. If youare seekingcompensation,youmayconsiderthefollowing:

• Ombudsman for Banking Services and Investments (“OBSI”): You may make acomplainttoOBSIafteryouhavecomplainedtothedealer,ateitherofthefollowingtimes:

• Ifthedealer’sComplianceDepartmenthasnotrespondedtoyourcomplaintwithin90daysofthedateyoucomplained,or

• Afterthedealer’sComplianceDepartmenthasrespondedtoyourcomplaintand you are not satisfied with the response. Please note you have 180 calendar days to bring your complaint to OBSI after receiving the dealer’s response.


Form No. 435 (12/17)

• OBSI provides independent and impartial process for the investigation andresolutionof complaintsabout theprovisionoffinancial services to clients.OBSIcanmakeanon-bindingrecommendationthatyourfirmcompensateyou(upto$350,000)ifitdeterminesthatyouhavebeentreatedunfairly,takingintoaccountthe criteria of good financial services and business practice, relevant codes ofpracticeor conduct, industry regulationand the law. TheOBSIprocess is freeofchargeandisconfidential.OBSIcanbecontacted:

• BytelephoneinTorontoat(416)287-2877,ortollfreeat1-888-451-4519• [email protected]

• LegalAssistance:Youmayconsiderretainingalawyertoassistwiththecomplaint.Youshouldbeawarethattherearelegaltimelimitsfortakingcivilaction.Alawyercanadviseyouofyouroptionsandrecourses.Oncetheapplicablelimitationperiodexpires,youmayloserightstopursuesomeclaims.

• Manitoba,NewBrunswickandSaskatchewan:Securities regulatoryauthorities intheseprovinceshave thepower to, inappropriate cases,order thatapersonorcompanythathascontravenedsecuritieslawsintheirprovincepaycompensationtoaclaimant.Theclaimant is thenabletoenforcesuchanorderas if itwereajudgmentofthesuperiorcourtinthatprovince.Formoreinformation,pleasevisit:

Manitoba:www.msc.gov.mb.caNewBrunswick:www.nbsc-cvmnb.caSaskatchewan:www.fcaa.gov.sk.ca

• InQuébec:• If you are not satisfied with the outcome or with the examination of a

complaint, theAutoritédesmarchésfinanciers (“AMF”) canexamineyourcomplaintandmayprovidedisputeresolutionservices.

• Ifyouthinkyouareavictimoffraud,fraudulenttacticsorembezzlement,youcancontacttheAMFtoseeifyoumeettheeligibilitytosubmitaclaimto the Fonds d’indemnisation des services financiers (“Financial ServicesCompensationFund”).Anindemnityupto$200,000canbepayablethroughmoniesaccumulatedinthefundforaneligibleclaim.

• Formoreinformation: • Contact the AMF by telephone at (418) 525-0337 (in Québec),

or(514)395-0337(inMontréal)ortollfreeat1-877-525-0337 • Visitwww.lautorite.qc.ca

G E N E R A LCommunications

Communicationsmaytaketheformofnotices,demands,reports,statementsandtradeconfirmations.UnlessotherwiseprovidedforinthisAgreement,wemay,atourdiscretion,communicatewithyoubycontactingyoubyphone,facsimile,electronicinstruction,mailor personal delivery. It is your responsibility to keep your personal informationup-to-date.Allmailwillbesenttothemostrecentaddressonfileforyou.WehavetherighttorefusemailcommunicationstocertainaddressesincludingmailaddressesoutsideofCanada.Allcommunicationsmailedtoyouwillbeconsideredtobegivenandreceivedonthethirdbusinessdayaftertheyweresent,whetherornotyouactuallyreceivedthem.All communication by phone, facsimile, electronic instruction or personal delivery willbeconsideredtobegivenandreceivedonthedateoftransmissionwhetherornotyouactuallyreceivedthem.Anynoticeyouprovideusmustbesentinwritingto:

BMO Investments Inc.

1FirstCanadianPlace

100KingStreetWest,43rdFloor

Toronto,OntarioM5X1A1

Telephone Calls.Wemayrecordallofourtelephoneconversationswithyouwhichoccurontheorderphonelineandmayrecordsuchotherphonecallsaswedecide.Youagreethatanysuchtapeswillbeadmissibleincourt.

Records.Wemaymaintainadatabaseofyourinstructions.Ourrecordswillbeconclusiveand binding on you in any disputes, including in any legal proceedings, as the bestevidenceofyour instructions, intheabsenceofclearproofthatourrecordsarewrongorincomplete.

Unclaimed Property.IfyourAccountorthesecuritiesinyourAccountbecomeunclaimedpropertywithinthemeaningofanyapplicablelegislationgoverningunclaimedproperty,wemaytakecertainactionsinaccordancewiththeunclaimedpropertylegislationthatisapplicableinyourprovinceofresidence,including:(i)advisingtheapplicablegovernmentagency,(ii)sellinganyorallofthesecuritiesinyourAccountforthepurposeofconvertingyour Account holdings into cash, or (iii) remitting any or all of the securities in yourAccounttoagovernmentagency.

No Waiver of Rights.WecandelayorrefrainfromexercisinganyofourrightsunderthisAgreementwithoutlosingthem.

No Transfer of Rights or Obligations.YoucannottransferanyofyourrightsorobligationsunderthisAgreementtoanyoneelse.

Successors and Assigns.ThisAgreementisbindingonyourheirs,executors,administrators,successorsandassigns.

Amendments. Unless otherwise provided for in this Agreement, we may change thisAgreementatanytimebygivingyou30dayspriorwrittennotice,whichmayincludecommunication via an electronic access device, and your continued use of one ormoreAccountsafterthedateoftheamendmentwillbedeemedyourconsenttosuchamendment.ThefirsttransactionintheAccountfollowingnotificationofachangetothisAgreementconstitutesyouracceptanceofthechangeasoftheeffectivedatesetoutinthenotice.YoucannotchangethisAgreementexceptbyawrittenamendmentsignedbyoneofourofficers.WemayterminatethisAgreementatanytimewithoutnotice.YoumayterminateyourAgreementwithusatanytimebygivinguswrittennoticebutsuchterminationwillnotaffectanyexistingliabilitiesorindebtednesstous.

Terminations. We have the right, in our sole discretion, to terminate and close yourAccountbyprovidingyouwithawrittennoticetothateffect.

Severability. In theeventany termorprovisionof thisAgreement,asamended fromtimetotime,isdeemedinvalidorvoid,inwholeorinpart,byanycourtofcompetentjurisdiction,theremainingtermsandprovisionsoftheAgreementwillremaininfullforceandeffect.

Other Documents.Theterms,rules,procedures,feesandchargessetoutinanywrittenorcomputer-generatedinstructions,manualsorothersuchdocumentsrelatingtoanAccountoranyServiceformpartofthisAgreement.

Governing Law.ThisAgreementwillbegovernedfromtimetotimebythelawsoftheCanadian province or territory where you have your residence. If you reside outsideCanada,thelawsofOntario,Canada,willapply.

C O N TA C T I N F O R M AT I O NYoumaycontactus:

• byphonethroughtheBMOInvestmentCentreat1-800-665-7700

• [email protected]

• inwritingat:BMO Investments Inc. 1FirstCanadianPlace100KingStreetWest,43rdFloorToronto,OntarioM5X1A1

Wealsoencourageyoutovisityour localBMOBankofMontrealbranchtospeakwithoneofour investmentprofessionals.Visitusonlineatbmo.com/investmentsto locateabranchnearyou.


Form No. 435 (12/17)

Form No. 435 (01/14)

N E W / E X I S T I N G A C C O U N T A P P L I C AT I O N -D S P Mai l ing AddressThis is where the Accountholder's statements, tax forms, etc., will be sent toif requested.Account Ef fect ive DateThis date that the account was opened.Bir th DateMandatory. Accountholder must be age 18. Use extreme care recording birthdate.BMO Investment CentreThe BMO Investment Centre is where clients can perform various transactionson their accounts via telephone. Transactions include purchases,exchanges, redemptions, personal information changes, etc. Call us at1-800-665-7700, or visit us at www.bmo.com/mutualfundsCSP F i rst Due and Cancel DatesAllow one business day for BMO bank accounts and 3 business days for non-BMO bank accounts. CSP MinimumsFund payment breakdown;$50, monthly $150, quarterly.Mandatory-Number of Dependant(s)-Occupation-Name of EmployerPurchase MinimumsSavings Accounts - $50GICs - $1000Mutual Funds - $500 initial ($1000 if BMO FundSelect Portfolios) (not applicable for Group Plans)Source of Wealth (select a l l that apply)-Employment Income-Family Income-Gift-Grants/Scholarships/Bursaries-Insurance Claims/Payments-Investment Income (Savings)-Retirement/Pension Income-Sale of Asset/Home/Business-Self-Employment Income-Social Assistance-Support Payments-Trust/Inheritance-Windfall-Casino/Contest/Lottery Winnings

B R A N C H I N S T R U C T I O N S H E E T

Form No. 435 (12/17)

Grants (CDSG) and Canada Disability Savings Bonds … · Occupation(s) Source of Wealth (See Branch...

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