We’re making it easier for you to track your investments. Your improved monthly account statement will bring clarity to what you’ve paid for your investments and what they are worth today.

Introducing your new BMO SmartFolio account statement

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What’s newYour new Investment Report is designed to show your account summaries and investments in a clear and intuitive way. We added information that provides: - a detailed look at all your transactions,

including deposits and withdrawals- a rate of return on your portfolio’s

performance on your year-end statement- a detailed look at applicable fees and charges

1 Account summary provides an overview of your investments. This includes your investments, opening and closing values and account balance for the monthly reporting period.

22 The Changes to your account section shows a summary of all deposits, withdrawals and the change in market value of your investments. For all accounts opened before January 1, 2016, the “since start” date is January 1, 2016. The line graph is a visual representation of your account changes based on your net investment and the market value.

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Summary of your investments in Canadian dollars shows information on the asset allocation of all investments held in your account. It also includes all the details on your investor profile. The pie chart depicts the breakdown of each asset class within your account as well as your target asset allocation.

Income you received provides a breakdown of all income sources to your account including interest, dividends and distributions on a current and year-to-date basis.

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44 For Registered Account types, information specific to your registered account will be displayed following Your Performance Report.

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Your investment details describes your investments specific to each of the holdings in your account. Details include the number of units for each holding, the average and total cost, as well as the market value of each holding on a per unit and total market value basis.

33 Your rate of return includes your Money-Weighted and Time-Weighted returns calculated annually and appearing on your statement at the end of the year. It gives you a measurement of how you’re tracking toward your long-term financial goals. For Money-Weighted returns, the “since start” date will be January 1, 2016 for accounts opened before January 1, 2016.

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BMO SmartFolio

BMO SmartFolio is a product of BMO Nesbitt Burns. BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates, including Nesbitt Burns Inc., in providing wealth management products and services. ® Registered trade-mark of Bank of Montreal, used under licence. BMO Nesbitt Burns Inc. is a wholly owned subsidiary of Bank of Montreal Holdings Inc. Member – Canadian Investor Protection Fund and Member of the Investment Industry Regulatory Organization of Canada.

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8 Account activity for this month summarizes all transactions that took place. Each activity is outlined indicating if it is a dividend, foreign exchange, interest payment, securities sold or bought, among others.

Your Year-to-Date Fees Summary is a consolidated view of all fees and charges received from your account activity. This gives you a detailed breakdown of operating and transaction charges.

We understand how important your account statement is for monitoring your investments. We hope that your newly redesigned Investment Report gives you the information you need to achieve your long-term investment objectives.

For additional information or questions on your new statement, please contact us at 1-844-895-3721 between 8 a.m. and 8 p.m. ET Monday to Friday.

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