Everyday Banking Account Opening

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About You
MS. SAMANTHA RICE
504 DOVERCOURT RD
TORONTO ON M6H 2W4 CANADA
Home: 705-999-8755 Mobile: 705-999-8755
Email: samanthadoreen@ruru.be

Your Products and Services Summary

Primary Chequing Account 42015 3616234
Premium Rate Savings Account 42015 8728649
BMO Debit Card 45510 29** **** 1145

Your Products and Services Details

Primary Chequing Account
 
Interest : No interest is paid.
 
Premium Rate Savings Account
 
Interest : Today’s rates
 
On the portion of your balance up to $59,999.99, you earn 0.050%
On the portion of your balance that is $60,000.00 and over, you earn 0.050%
 
Interest is calculated on your daily closing balance and paid monthly. Interest rates are per annum and subject to change.
Current rates can be found at bmo.com/rates, at BMO branches, or by calling 1-877-225-5266 (TTY 1-866-889-0889).
 
Your Account Details
 
Transit/Account Number 4 2015 3616234
Selected Options 4 eStatement
 
Transit/Account Number 4 2015 8728649
Selected Options 4 eStatement

Holding of Funds
Transit/Account Number: 2015 3616234
New Account Hold Funds
For accounts open less than 90 days, the funds for each non-cash deposit made in a branch will be placed on hold in accordance
with our Cheque Hold Policy, found in the Agreements, Bank Plans and Fees for Everyday Banking.

90104 (Jan 2018) February 05, 2018 Page 1 of 5

Holding of Funds
Transit/Account Number: 2015 8728649
New Account Hold Funds
For accounts open less than 90 days, the funds for each non-cash deposit made in a branch will be placed on hold in accordance
with our Cheque Hold Policy, found in the Agreements, Bank Plans and Fees for Everyday Banking.

Your Bank Plan

Plus Plan
 
Features and Benefits
30 transactions per month
Great for everyday use at a competitive price
 
Monthly Fee
$0.00 per month

Your Plan Fee will begin on 1 FEBRUARY 2018. If you have selected a Primary Chequing Account as your lead account for your
monthly Plan, the monthly Plan fee can be eliminated by maintaining a balance of $3,000.00 or more at all times throughout
the month.
Details :
Lead Account 4 2015 3616234
Other Accounts 4 2015 8728649

Your BMO Debit Card

Name on Card
SAMANTHA RICE
Card Number
5510 29** **** 1145
Your Card Links To:
Primary Chequing Account No. 2015 3616234
Premium Rate Saving Account. 2015 8728649

Interac Flash®‡ 4 Yes

What You Need to Know About Your BMO Debit Card

Protect Yourself

< Change your PIN regularly and always keep it confidential.

< Do not keep your PIN and card in the same location.
< CALL 1-877 CALL BMO (225-5266) if your card is lost or stolen. Associates are available 24 hours a day.

90104 (Jan 2018) February 05, 2018 Page 2 of 5

 What You Need to Know About Your BMO Debit Card
Holds on BMO ATM Deposits

< For accounts open less than 90 days, the full amount of any deposit may be held for up to seven business days1. Once your
account has been open for at least 90 days, the regular hold period, as described above will apply. 
< Detailed information about your account balance or funds available can be viewed in BMO Online, BMO Mobile and BMO
Tablet Banking.

Your Daily Limits

ATM Transactions Interac e-Transfer®‡ Transactions5

Deposits $100,000 Receiving $10,000
Withdrawals2 $1,000 Sending $3,000
ATM, Telephone , and Digital Banking
3 4
Interac ®‡
Online6
Bill Payments $32,000 Purchases $2,500
Merchant Debit Card Transactions 2
Card Not Present7
Purchases $10,000 Purchases $2,500

Limits are in Canadian dollars/Canadian dollar equivalent. Convenience fees that may be charged by non-BMO ATMs or merchants are included
in the transaction limit. Limits and availability of service may be restricted when systems are down. Limits may be changed at any time.
Current limits are available at BMO branches. All debit transactions are subject to cleared funds being available in your account. Service
charges may apply.

1. “Business” day means Monday to Friday; excluding holidays when your branch is closed. Holds take effect immediately; the hold duration begins to count the
first business day after the day of deposit. 2. Access is available wherever an Interac, Cirrus®*, Maestro®* or MasterCard®* logo is displayed. 3. Includes
transactions completed by a customer contact centre associate. 4. Digital Banking includes BMO Online, BMO Mobile and BMO Tablet Banking. 5. The maximum
daily sent limit for Interac e-Transfer is restricted to the unused portion of your daily Bill Payments Limit. Weekly and Monthly limits apply. 6. Interac Online
Transactions available for BMO Debit Card without MasterCard Logo. 7. Card Not Present Transactions available for BMO Debit Card with MasterCard Logo and
includes Online, Mail Order, Telephone Order and Recurring transactions.

BDC-02

Agreement and Consent

Privacy Disclosure & Consent - Your Personal Information

What is Personal Information?

Personal Information is information about an identifiable individual. It includes information that you have provided to us or was
collected by us from other sources. It may include details such as your name and address, age and gender, personal financial
records, identification numbers including your Social Insurance Number, personal references, and employment records. 

   Why Does the Bank Ask You For Your Personal Information?
When we collect your Personal Information, we may use or disclose it to:
  < verify your identity;
< provide and manage products and services you have requested;
< understand your financial services requirements;
< protect against fraud and manage risk;
< determine suitability of products and services for you;
< better manage your relationship with us;
< determine your eligibility for certain of our products and services, or products or services of others;
< comply with legal or regulatory requirements, or as otherwise permitted by law;
< communicate with you regarding products and services that may be of interest;

90104 (Jan 2018) February 05, 2018 Page 3 of 5

 Agreement and Consent
< understand our customers and to develop and tailor our products and services, and
< respond to any questions you may have.

  If a new purpose for using your Personal Information develops, we will identify that purpose.

  Sharing Your Personal Information

We may share your Personal Information within BMO Financial Group, including locations outside of Canada where we do
business, for legal and regulatory purposes, to manage credit risk and other business risks, to perform analytics, to ensure we
have correct or up to date information about you (such as your current address or date of birth) and to better manage your
relationship with us.

  Your Choices
If you prefer not to receive our Direct Marketing communications and/or not have your Personal Information shared among the
members of BMO Financial Group for the purpose of marketing, you can have your name deleted from our Direct Marketing
and/or shared information lists.

Also, if you would prefer not to have us use your SIN for administrative purposes, just ask us. This option does not apply where
we are required to use your SIN for income tax reporting purposes.

  For complete details on our commitment to respect and protect the privacy of your Personal Information, please refer to our
Privacy Code which is available at bmo.com/privacy, upon request at any branch of BMO Bank of Montreal, or by calling
1-877-225-5266 (TTY: 1-866-889-0889).

Credit Bureau Authorization

You agree that Bank of Montreal and its agents may use your Personal Information provided to obtain credit information,
other financially related information about you at any time, from a registry, from your employer(s), any credit bureau, any
person who has or may have financial dealings with you, and any references that you have provided to the Bank of
Montreal. You agree that Bank of Montreal and its agents may, in its discretion, update this information at any time during
the time you are a Bank of Montreal customer. You also agree that Bank of Montreal may share your Personal Information
within BMO Financial Group or with credit reporting agencies or with persons with whom you have or may have financial
dealings.

Terms and Conditions Applicable to Your BMO Bank Account Application

Agreements, Bank Plans and Fees for Everyday Banking

You agree to the terms and conditions contained in the Agreements, Bank Plans and Fees for Everyday Banking, which among
other things, sets out the terms and conditions applicable to your BMO bank account, Bank Plan, holding of funds, fees, charges,
use of your BMO Debit Card, use of BMO’s electronic services and BMO’s 100% Electronic Banking Guarantee.

The brochure for Agreements, Bank Plans and Fees for Everyday Banking is available at any BMO Branch and online at
bmo.com/agreements.

Third Party Account Acknowledgment and Confirmation

You confirm that your bank account(s) will only be used by you and will not be used by, or for, anyone else.

Interest Rates
The interest rate applicable to your account may be found at bmo.com/rates. Interest rates are per annum
and are calculated on the daily closing balance of your account and paid monthly on the last business day of the month. Interest
rates and balance tiers are subject to change without notice.

General

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 Agreement and Consent
Terms and Conditions Applicable to Your BMO Bank Account Application
You certify the information provided in this application is true and correct.

 
Please Read The Following Important Agreement And Sign Where Indicated
 
In the following agreement, “you” means each person who signs below.

< You agree to the Privacy Disclosure and Consent above

< You agree to the Credit Bureau Authorization above

< You acknowledge that you have requested a BMO Debit Card and Personal Identification Number (PIN)

< You agree to the Terms and Conditions Applicable to Your BMO Bank Account Application above

Applicable in the Province of Québec Only: You agree that this Agreement and any related documents be written in
English. Vous acceptez que la présente convention et tous les documents connexes soient rédigés en anglais.   

Applicant Signature

[343218269452088.Capture1] [343218269452088.Capture1.label1.Date]
MS. SAMANTHA RICE 1 Date

Contact Us
BMO Bank of Montreal Customer Contact Centre
Digital Sales Tel.: 1-877 CALL BMO (225-5266)
Transit: 2015 TTY: 1-866-889-0889
Visit: bmo.com

®* MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. Used under license.
®† Trademarks of AIR MILES International Trading B.V. used under license by LoyaltyOne, Co. and Bank of Montreal.
®‡ Interac, the Interac logo, Interac e-Transfer and Interac Flash are registered trademarks of Interac Inc. Used under license.
The Contactless Indicator is a trademark of EMVCo. LLC. Used under license.

90104 (Jan 2018) February 05, 2018 Page 5 of 5