BMO InvestorLine（投资优惠线）自理常见问答

BMO InvestorLine online investing service provides independent investors with excellent service and fast, efficient trade execution for a wide range of investments, including stocks, options, bonds, GICs and mutual funds. Our low 佣金 具有较高的竞争力，客户享有一天24小时通过自动电话交易或网站查询交易、报价和账户信息的权限。 To further assist you, our BMO InvestorLine Representatives are available Monday to Friday from 8:00 a.m. to 6:00 p.m. ET. 我们为客户提供工具帮助其做出自理投资决定，但不会为客户提供建议或推荐。

若您需要投资建议， BMO利时证券投资顾问 可为您提供所需的各种投资产品和关系类型，以便制定适合您的理财策略。

您可以 在线申请 to open any number of accounts at BMO InvestorLine, including: cash or margin investment accounts, self-directed RRSPs and RRIFs, locked-in retirement accounts (LIRAs), life income funds (LIFs) and locked-in retirement income funds (LRIFs) and RLIFs (Restricted Life Income funds) and RLSPs (Restricted Life Income Funds).

需要填写客户账户申请表。您可以轻松获得申请表，然后开设账户。您可以轻松地：

• 填写 在线申请表。
• 下载和打印 来自本网站的副本
• 买方期权 1-888-776-6886 工作时间：东部时间上午8:00至下午6:00（星期一至星期五）。
• Drop in to any BMO Bank of Montreal branch.

开设任何BMO InvestorLine（投资优惠线）账户不设最低限额要求。您账户中的期初余额可以来自存款、转账或二者结合。

BMO InvestorLine is a member of the Canadian Investor Protection Fund（加拿大投资者保护基金）（CIPF）. As such, clients' accounts at BMO InvestorLine are covered by CIPF up to $1,000,000. 但CIPF不会补偿客户因市场价格变动而导致的损失。访问CIPF了解更多信息，或 联系我们 索取宣传册以了解更多详情。

For registered accounts such as an RRSP or Spouse/common-law RRSP, there is an annual administration fee of $100 for plans with assets less than $25,000. 资产超过$25,000的计划免收管理费。此笔费用免至开户当年的12月31日。

账户结余低于$15,000的非注册账户，每个季度须支付$25的费用。可能需支付税费。

• Clients who hold a RSP (including RRIF, LIRA, LIF, LRIF) with BMO InvestorLine and for clients that make two or more "commissionable trades" in 6 months.

• 非正式信托
• 开立不到180天的账户

• 日历季度最后一天结束营业时“平均家庭账户结余”不到$15,000将收取管理费。
• “平均家庭账户结余”指的是登记在同一家庭地址下的账户总金额平均值，不包括免手续费的账户。

BMO InvestorLine does not offer advice or recommendations through the Self-Directed service. 但我们会通过下列途径提供建议： adviceDirect 服务，它可充当虚拟投资顾问。通过adviceDirect，您可以针对自己的投资组合获得个性化的投资建议。 This includes easy to understand ratings for all available stocks, Mutual Funds and ETF（交易所买卖基金）s. adviceDirect continuously monitors your portfolio ensuring you stay aligned with your personal investing style. 同时，该服务还会在您的投资组合的资产配置、多样化或风险需要加以关注时，即时给您发送中立的买卖建议。最后，adviceDirec还通过专属的持证投资专家团队，提供个人支持和指导。

相关费用由转账机构收取，具体费用依不同机构、账户类型和规模、账户中持有的投资类型以及全部转账还是部分转账等条件有所不同。可能需要支付其他费用，例如某个账户以现金形式进行转账，且必须清算投资时需要支付的佣金。请咨询转账机构，以确定适用于您账户的转账费。

您可以在网上下达股票、期权、GIC（定期存款）、固定收益和互惠基金指令。对于股票指令，您可下达以市场价格或限价价格买入、卖出或卖空指令。您也可在支持此类指令的市场下达止损指令。

黄金

Exclusive access to the 5-star relationship team dedicated to serving 5-star members.

• Real time quotes
• BMO 活跃交易者
• Morningstar Economics/Equity/ETF（交易所买卖基金）
• 标准普尔
• BMO Capital Markets economics
• No annual registered account administration fee
• Transfer fee reimbursement from another institution
• Preferred interest rates for debit balances in margin accounts

白金

• Real time quotes
• 2级报价
• BMO Active Trader Pro
• Morningstar Economics/Equity/ETF（交易所买卖基金）
• BMO Capital Markets economics
• 标准普尔
• BMO Capital Market（资本市场） 多伦多证券交易所（TSX） 60
• 不是 RRSP/RRIF deregistration fees with assets in excess of $1 million CAD
• No fee for withdrawals under First-Time Home
• Buyers plan or Lifelong Learning plan

钻石

• Real time quotes
• 2级报价
• BMO Active Trader Pro
• Morningstar Economics/Equity/ETF（交易所买卖基金）
• BMO Capital Markets economics
• 标准普尔
• BMO Capital Market（资本市场） 多伦多证券交易所（TSX） 60
• 不是 RRSP/RRIF deregistration fees with assets in excess of $1 million CAD
• No fee for withdrawals under First-Time Home Buyers’ plan or Lifelong Learning plan
• No cheque/paper statement replacement fees

Please contact a BMO InvestorLine representative at 1-888-776-6886.

当您初次联系BMO InvestorLine（投资优惠线）代表时，您将被要求提供以下信息：

• 遗嘱执行人，即您的姓名
• 您的地址和电话号码
• 身故者的死亡日期
• 身故者持有的账户数量
• 账户为注册还是非注册
• 每个账户的资产价值
• 身故者是否立有遗嘱
• 账户是否有指定受益人。对于魁北克之外的居民，仅注册账户有受益人。

• 由于无任何人获授权进行账户交易，因此所有账户将被冻结。
• 所有未平仓的指令将被取消。
• 所有授权书、全权委托书或交易权限将失效

我们将在72小时内向您邮其他指示说明及一份所需文件一览表。

If you have any questions and/or concerns after receiving the checklist, please contact a BMO InvestorLine representative.

为帮助您保护个人资料及财务资料，我们推出了多项功能，其中之一就是我们的网站支持使用128位加密技术的Internet Explorer浏览器（5.5或更高版本）及Netscape浏览器（7.0或更高版本）。

加密是信息传输过程中（此处指在您的电脑与银行的计算机系统之间传输）扰乱信息的一种手段。经加密的信息直到对方收到时才会解密（解码）。

128位加密是最强大也最安全的加密形式，如今北美市场使用的网络浏览器一般都可提供此功能。BMO Financial Group and BMO InvestorLine require that our clients use 128-bit encryption when conducting financial transactions over the Internet. We also recommend the use of 128-bit encryption for all nonfinancial transactions over the Internet, e.g., the use of BMO InvestorLine's Online Application.

In addition to data encryption, as a BMO InvestorLine client, you require both your account number and password to access your BMO InvestorLine account through this web site. 如您仍需了解更多信息，请访问 安全 页面。

该问题的答案视您所用浏览器的类型及版本而定。您需查看浏览器内讨论安全信息的部分获取全部详情。如您未曾特地下载强加密浏览器（128位），那很可能您使用的并非强加密浏览器。如果您在登录账户时收到“加密不足”的提示，则您需要安装强加密浏览器。

If you do not have a 128-bit encryption browser, you can download your preferred browser from the Microsoft site.

您可通过下列几种方式保障账户安全：

• 为您的账号和密码保密，切勿向他人透露此信息。
• 在登入您账户期间，不要让您的电脑处于无人看护状态。
• 设置两步验证和密保问题，保护您的账户免遭未经授权者访问。两步验证流程通过向您的手机发送6位验证码确认您的身份，为您的账户增加一重保护。在您无法使用手机时，您可通过回答密保问题验证身份。
• 登出账户后，务必清理缓存。

DO

• 使用6位密码。不要使用出生日期、数字序列或任何其他容易猜到的组合。
• 定期更改密码
• 您登录的每个系统均使用不同密码

切忌

• 使用亲朋姓名、日期或常见短语
• 使用您的名字与姓名首字母的组合
• 向他人透露您的密码
• 在桌面日历中或键盘下等他人容易发现的地方写下密码

您通过电子邮件发送给我们的信息未经加密。请勿通过网络电子邮件给我们发送任何个人资料（如账号、密码 ）或财务资料。 The security, integrity and privacy of any and all information exchanged between you and BMO InvestorLine via email cannot be guaranteed and any such information may be tampered with in transit by a third party.

In addition to personal and financial information, do not send us any trading instructions; as such, trading instructions via email cannot be accepted by BMO InvestorLine.

数字证书是网上处理事务或进行其他交易时认证网站身份的电子“护照”，由Entrust和Verisign等权威认证机构颁发。数字证书包含的信息有权威认证机构的名称、序列号、到期日、数字签名等，供接收方验证数字证书真伪。您在安全网站处理事务时，可通过单击或双击浏览器底部的闭合挂匙对数字证书进行验证。

防火墙的作用是只允许有合适授权的人们进行在线访问。想像防火墙是一面虚拟的墙，通过控制和监管受信任环境（比如公司或家庭网络）与不受信任环境（比如因特网）之间的通信，将这两个环境隔开，从而保护受信任环境免遭不受信任环境中发起的有害活动（例如病毒、蠕虫或入侵攻击）。

个人防火墙（有时称桌面防火墙）是用于保护单台联网电脑免受入侵袭击的软件程序。对于将DSL、光缆调制解调器或拨号连接调为“保持开启”状态的用户，个人防火墙保护可发挥作用。人们经常拿反病毒应用程序与个人防火墙比较。个人防火墙是在后台工作，通过控制用户电脑与因特网的连接、过滤进出通信及提醒用户可能的入侵袭击，保护系统免遭未经授权者访问，进而确保系统的完整性。

Windows系列操作系统具有“文件共享”的功能，能让网络中的其他电脑，甚至是因特网中的其他电脑读取您电脑中的资料。微软产品的帮助功能可指导您如何取消“文件共享”功能。依次点击“开始”、“帮助”、“索引”，然后输入“取消文件或磁盘共享”，即可查看说明。

北美证券交易所要求所有有权查看实时报价的个人完整填写一份换股协议。您必须同意接受该换股协议的条款及条件，以便能够在线查看实时报价。同时，该协议免除了交易所在数据出错时的责任，并且避免了对于实时报价的转售和/或重新分配。

BMO InvestorLine is requesting your consent on behalf of SunGard Market Data Services, our real-time quote provider and the following exchanges: The Canadian Exchange Group (Toronto Stock Exchange Inc. (多伦多证券交易所（TSX）) and the Canadian Venture Exchange Inc., Bourse de Montréal Inc. (Montreal Exchange (ME)), The New York Stock Exchange (NYSE), The Nasdaq Stock Market (NASDAQ) and The Options Price Reporting Authority (OPRA).

我们请求您同意接受所有换股协议，以便继续享受实时报价服务。我们提供所有这些协议的PDF版本，可供您查看、打印和保存。

• 加拿大交易所协会（110 KB - PDF）
• 蒙特利尔交易所（20 KB - PDF）
• 纽约证券交易所（27 KB- PDF）
• 纳斯达克证券交易所（NASDAQ）（93 KB - PDF）
• 期权价格申报主管机关（98 KB - PDF）

注：您需要Adobe Acrobat Reader方可下载所有表格。

我们将为您介绍每份换股协议的内容，并请求您同意接受每份换股协议。同意所有协议后，您将获得查看实时报价以及在线交易股权和期权的权限。若无法接受所有换股协议，则无法获得在线查询股票和期权交易的权限。实际的审查和批准过程可能需要5 - 20分钟。

遗憾的是，若不同意接受换股协议，则无法获得实时报价服务或在线查询股票和期权交易。

即使您不交易期权，但只要是BMO InvestorLine（投资优惠线）客户，您就可以查询作为实时报价服务一部分的实时期权报价。为向您提供连续的服务，您必须同意接受所有换股协议。

If you have any questions about Exchange Agreements, please contact a BMO InvestorLine representative at 1-888-776-6886 during our business hours from 8:00 a.m. - 6:00 p.m. ET, Monday to Friday or contact the individual exchanges directly at the following numbers:

加拿大交易所集团（CEG）
多伦多证券交易所（TSX）
1-888-873-8392
marketdata@tsx.ca

蒙特利尔交易所
ME（加拿大蒙特利尔交易所）
1-800-361-5353
info@boursedemontreal.com

纽约证券交易所（NYSE）
NYSE（纽约证券交易所）
1-212-656-3000
www.nyse.com

纳斯达克证券交易所 (NASDAQ)
NASDAQ
1-301-978-5307
MKDATASVC@nasdaq.com

期权价格申报主管机关（OPRA）
芝加哥期权交易所（CBOE）
1-877-THE-CBOE
help@cboe.com

A Certified True Copy of a document or form is one that has been reviewed, validated, and stamped by an authorized BMO 价值。

To validate your document(s) or form(s) as a Certified True Copy, visit your local BMO branch and speak with an employee for assistance.

In Person: Present one piece of Canadian government-issued (federal, provincial, or territorial) photo ID at your local BMO branch to be validated as a Certified True Copy. Please note that provincial health cards are 不予接受 as a valid form of Proof of Identification.

或;

or by mail: Provide copies of TWO documents, ONE from Group A and ONE from Group B.

我们将尽一切努力，快速、高效而专业地解决您的问题或顾虑。

您需要做什么：

第1步——收集您的信息，包括：

• 有关您的咨询问题的证明文件，须特别留意事件发生的日期；
• 相关员工的姓名；以及
• 详细说明您的顾虑，以及您希望我们怎么做。

第2步——与我们交谈

• 买方期权 1-888-776-6886 与资深客户关系顾问交谈，或
• 向我们发送电子邮件或邮寄信件

如您对解决办法不满意，经理将出面解决您的问题或顾虑。

第3步——将问题升级

如您对步骤2中经理的解决办法仍不满意：

• 经理会将所有相关情况报告给我们的客户关系管理中心，或向您提供联络方式，便于您自行提升问题级别。
• 我们将在24小时内给予您答复，同时承诺在一定的时间内解决您的问题。如果我们无法联系到您本人，我们将向您发送一封包含上述承诺的确认信。
• 如果进度存在延误，我们的员工将定期向您告知最新的进展情况。

没问题 - 您可以通过几个简单的步骤在线重置密码：

访问BMO InvestorLine（投资优惠线）登录页面

选择Forgot Your Password（密码字段下方的登录框）

Enter your Client ID and follow next steps.

» START THE DEMO

If you don't see your new account added to your Client ID within 2-3 business days, please give us a call or send us a MyLink and we will add it for you.

Biometric login is a convenient form of authentication using either facial recognition or fingerprint reading technology – or both - to authenticate your identity when accessing a mobile app.

Biometric authentication process is a safe and convenient method of authenticating user identity - skipping the need for manual authentication via text messages or calls.

If you have multiple users accessing your device, we advise to you to not enable biometric login. Every person whose biometric credential is stored on your device can access your BMO App – potentially giving access to someone you didn’t intend to just like sharing a password.

We advise you to not enable Biometric Login for BMO Invest if other people’s faces and/or fingerprints are stored on your device.

No. You will bypass the MFA (multi-factor authentication) process if you choose to enable your biometric login.

If your Biometric Login credentials were stored in your lost phone, you can perform any of the following actions to invalidate them:

• Manually change your password associated with your account
• Call us at 1 888 776-6886 for assistance

Note: These actions will invalidate your biometric credentials and prompt you to set-up new credentials once you have gained access to your lost phone.

Yes. You will still need to use your password at every instance:

• After your password is changed.
• After a significant period of inactivity.
• After the passing of a certain period of time since your last biometric enrollment.

Yes, you can use your biometrics on multiple devices and with multiple Login IDs. However, a new enrollment will be needed for each device and ID.

You can easily make deposits/contributions and withdrawals online. Sign in and select Move Money from the top menu bar.

If you bank online with any other financial institution, you can set up BMO InvestorLine as a bill payee by entering your 8-digit BMO InvestorLine account number. You can then send funds from your bank account just as you would pay an online bill. 这可能需要3-5个工作日。

• 根据转账类型的不同，费用各异。
• 下面列出了可能适用的一般费用（如有变更，恕不另行通知）：

*星号脚注详情GST (和 PST/QST, where applicable).

税务后果

BMO InvestorLine is not responsible for any tax consequences that may result from the transfer of your account(s). 提交转账请求之前，请向税务专家咨询可能适用的税务后果的详细信息。

您需要提交转账授权表。登录您的账户，从顶部菜单栏中选择转账，我们的网站将引导您了解您的转账申请是否符合电子提交条件，或者需要手动填写表格。

Transfer times vary depending on the institution and the investment types being transferred.下面是收到文件后大致转账时间的一般原则：

Within BMO
BMO Nesbitt Burns: 1 to 2 weeks
BMO Bank of Montreal: Cash or mutual funds: 2 to 3 weeks
定期存款 (GICs): 4 to 6 weeks

有资格使用ATON的机构
Brokers using ATON (Account Transfer Online Notification): 2 to 3 weeks 脚注星号，星号^**互惠基金的转账时间可能更长。

Non-ATON (Institutions not on the ATON-Eligible list)
Non-ATON brokers: 3 to 4 weeks
GICs, Quebec savings bonds, mutual funds, and physical certificates may take longer
Pension transfers can take up to 8 weeks

我们建议通过快递或优先投送服务寄送安全证书，通常两至三天送达。 Please retain a tracking number from the courier to monitor the status of the delivery.您也可选择通过挂号信寄送，但送达时间明显延长，最多需要两周时间。

请填写并提交原件 股票或债券转移授权表 表，针对每份证券证书。

安全证书应当寄送至：

Attn: BMO InvestorLine
First Canadian Place
100 King Street W, Floor B1
Toronto, Ontario, M5X 1H3

You can place equity, options, GICs, fixed income, ETF（交易所买卖基金）s, and mutual fund orders online. 对于股票指令，您可下达以市场价格或限价价格买入、卖出或卖空指令。您也可在支持此类指令的市场下达止损指令。

是， BMO InvestorLine gives you flexibility when settling trades in your account. You have the option of settling the trade with either Canadian or US dollars on the order entry page.

If you choose to apply a different settlement currency from the market the security is traded, BMO InvestorLine will convert enough funds to cover the entire amount of the trade. Remember the Estimated Total Order Value is an approximation; the final exchange rate will be applied to your order at the end of the day when filled.

Please note that trades done in 注册教育储蓄计划（RESP） Accounts can only be settled in Canadian dollars.

Sign in to BMO InvestorLine and select Recent Orders > Order Status Details below your Holdings summary on the Accounts page.

For Stocks, Corporate Bonds, ETF（交易所买卖基金）s, HISAs, GIC Purchases and GIC redemptions before 11:00 a.m. ET, the settlement guideline is the trade date plus 1 business day (T+1).

互惠基金的一般结算规则为交易日加1个工作日（T+1），但也存在例外。 To verify if a Mutual Fund settles on T+1 or T+2, utilize the Fundserv - Fund Profiles search function。

Sign in to BMO InvestorLine and select Documents > eDocuments below your account summary. You'll be redirected to the original site.

Sign in to BMO InvestorLine and select Documents > Document Upload below your account summary. Select the account the document applies to, select the document you wish to upload and click Upload.

第一笔交易须提前支付规定款项。 For margin accounts, please ensure that the amount required to meet BMO InvestorLine's prescribed margin requirement is in your account before making your first trade.

Here's how you can deposit funds into your BMO 价值每日浮动：

现金/保证金投资账户：
You can use the AccountLink^® service to deposit funds. AccountLink Service consists of your regular securities account at BMO InvestorLine and a BMO Bank of Montreal Canadian Dollar Chequing account and, if requested a US Dollar Chequing Account. AccountLink is a service that we include for all investment (non-registered) accounts at BMO InvestorLine. It is designed to give you quick and easy access to the cash in your investment account and to provide you with a convenient way to settle your trades.

You can contact us by phone and arrange for funds to be transferred from your BMO Bank of Montreal bank account or transfer funds between accounts online through BMO Bank of Montreal Online Banking.

您也可将支票邮寄给我们。 Make sure your BMO InvestorLine account number is on the cheque. 请注意，您的支票兑现后您才可进行交易。

目标 RRSP 账户：
You can contact us by phone and arrange for funds to be transferred from your BMO Bank of Montreal bank account or your BMO InvestorLine cash/margin investment account.

您也可将支票邮寄给我们。 Make sure your BMO InvestorLine account number is on the cheque. 请注意，您的支票兑现后您才可进行交易。

Once your funds are in your BMO InvestorLine account, you can place a trade:

• 通过互联网登录您的账户进行交易，或
• by contacting a BMO InvestorLine representative at 1-888-776-6886 工作时间：东部时间上午8:00至下午6:00（星期一至星期五）。

粉单市场和美国场外交易公告板（OTC-BB）证券可获取在线报价和进行在线交易。请注意：这些证券无法在注册账户中交易。由于这些市场的投机性质，请注意投资存在高度风险。

A market order is an order to buy/sell a security immediately. This type of order allows you to have the highest probability to execute your trade but does not guarantee the execution price.

例如：

I wish to buy/sell 100 shares of TTT but the price is moving so quickly that I don't know what number to decide on. Selecting a market order will allow you to execute the trade right away, however the price cannot be guaranteed as you are willing to accept any price in exchange for selling/buying the stock.

A limit order is an order to buy/sell a security at a specific price or better.

例如：

VYX is trading at $10.50. By placing a limit order to buy at $10, if the price were to fall, the order will accept $10 or lower for this purchase.

VYX is trading at $11. By Placing a limit order to sell at $15, the order will accept $15 or more for this sale.

Buying power is calculated by taking the total value of your account and then subtracting the margin requirement for all the securities in your account. Buying power reflects the intraday market movement of your investments including any orders that are filled. It is updated every five minutes during trading hours.

Yes, the buying power reflects the margin requirements for your securities including any order fills. This is updated every five minutes during the trading day and factors in market movements.

买卖外汇。将一种货币的美元金额兑换为另一种货币的等值美元价值。

当前可交易加元和美元。

换汇可在任何账户中进行，RESP（注册教育储蓄计划）账户除外。

换汇可以在星期一至星期五从上午8:30到下午4:15（东部时间）进行。

汇率是基于加元和美元的当前交易价值设定。

对于外汇交易，费用包含在交易中。

Another very important consideration for investors who make many trades for US-listed securities is the currency handling.

Registered accounts (excluding 注册教育储蓄计划（RESP）s), as well as cash and margin accounts at BMO InvestorLine, allow you to hold US dollars and avoid making unnecessary foreign currency conversions. This could lead to significant savings for investors who make frequent trades on US stock exchanges.

BMO InvestorLine permits the following variety of investments in your RRSP:

• 现金
• 每年获取利息的定期存款和定期存款，例如满地可银行发行的定期存款和定期存款
• 加拿大证券交易所上市公司的股票和债券
• 加拿大政府发行或担保的债券和公司债券
• 省、市或加拿大国有企业发行的债券和公司债券
• 分割息票债券
• 股票关联票据
• 可用于购买合格投资产品的认股权及认股权证
• 加拿大之外指定证券交易所上市的股票
• Units of a Mutual Fund trust, such as those offered by BMO 互惠基金
• 备兑买方期权、买入认购期权和买入认沽期权、LEAPs认购期权
• 按揭证券
• 金银劵

BMO InvestorLine does not allow the following investments in your RRSP:

• 员工购股期权
• 金、银及其他贵重金属
• 商品期货或合同
• 指定个人资产，例如艺术品和古董
• 珠宝及其他宝石
• 土地
• 债券（发行商为全资子公司，而母公司的股票尚未在加拿大证券交易所上市）
• 以您或家庭成员所拥有商业财产为担保的抵押贷款
• 小型企业投资
• 无担保认沽期权和认购期权
• 债券或公司债券（公司股票仅在指定外国证交所上市，即使该公司的股票可能合格）

• A Registered Retirement Income Fund or RRIF is an account that allows you to continue to hold funds from an RRSP in a tax-sheltered status after you turn 71.
• To learn more about RRIFs please click here

• A Life Income Fund or LIF is an account that allows you to hold locked-in retirement funds from a LIRA after the year which you turn 71.
• A LIF does not allow for any new tax-deductible contributions and requires a minimum amount to be withdrawn each year starting from the year you establish the LIF. There is a maximum limit for withdrawals from this plan. Withdrawal restrictions vary from province to province.

• The Canada Revenue Agency requires that all RRSPs and LIRAs be converted into a RRIF or LIF account prior to the end of the calendar year in which the account holder turns 71. Converting your account today will ensure you continue to maintain full access and control of your account and avoid any unnecessary account restrictions.

• 您的 RRSP or LIRA must be converted before the end of the calendar year in which you turn 71.
• Don't wait until you are 71 to start planning what you are going to do with your account - you will need some time to investigate your options. In fact, for those retiring early, you can start a RRIF much earlier than age 71.

• To convert your RRSP to LIRA you must first open a new RRIF or LIF account.
• You can start the process to convert your RRSP to a RRIF or LIRA to a LIF by opening a new account online:

  • RRIFs can be opened by by clicking here
  • LIFs can be opened by by clicking here
• In addition to opening a new account you will also need to complete:

  • For LIFs and RRIFs, where Payment Information was not provided as part of the online application process, the Payment Information and Election to Use Spouse's Age form found here allows you to identify your payment preference and/or elect your spouse's age to use in the calculation of the yearly minimum payment.
  • For LIFs, the Addendum for Locked-in Pension Transfers to a Life Income Fund (LIF) found here which is required to confirm you agree with all the terms set forth by the province that your LIF is governed by.
    • Please note, the required addendum will vary by the jurisdiction (i.e., province or federal) in which the account is registered
  • 目标 RRIFS and LIFs, if you require a Trading Agent on your account, you must also complete the Authorized Trading Agent form. To include a Power of Attorney on your account, please call us or chat with us to learn more about what is required and how to add a Power of Attorney to your account
• Once your account has been opened, please call us to initiate the process to transfer your existing holdings and/or assets.

• No, there are no tax implications when a RRSP or LIRA is converted to a RRIF and LIF. For specific tax advice and a detailed review of your circumstances, please speak with a professional tax advisor.

• RRIFs and LIFs require a minimum withdrawal each year as set forth by the Canada Revenue Agency
• Minimum withdrawal percentages can be found at the following links

  • RRIFs - click here
  • LIFs - click here
    • For LIFs, each province has its own specific minimum LIF withdrawal rate. This rate could differ from the Federal rate. Please visit the provincial website where your plan is registered to for more information and to confirm. If you are unsure or are having difficulties please call or chat with us

• To convert your account to a RRIF or LIF there are no fees charged. For RRIF and LIF accounts with holdings greater than $25,000 there are also no annual account administration fees charged. 目标 RRIF and LIF accounts with less than $25,000, an account administration fee of $100 + applicable tax will be charged annually.

  • Did you know, that if you are a member of BMO InvestorLine’s 5 Star program there are no annual account administration fees associated with a RRIF or LIF account

• There are no fees charged to your account if you are withdrawing the minimum or the elected payment you established for the current year. Any payment amounts above the minimum or elected payment will be subject to a de-registration fee of $50 + applicable tax.

您可向您的配偶，而非您自己的RRSP供款。容许的供款额根据您的收入而非您配偶的收入决定，且可在计算您的收入时减免。上述供款将耗用您全部或部分供款额度，从而出于税务目的减少您对自己的RRSP可供款金额。此种方法的主要优势在于分割未来收入。如果您认为退休后您配偶税款减免后的边际税率要低于您，那么可通过让配偶从其自己的RRSP中领取退休收入来减少家庭的退休收入总税负。

• To convert your Spousal RRSP you must first open a new Spousal RRIF。

  • 配偶 RRIFs can be opened by clicking here
    • Note: once you have completed the account opening process for your RRIF please call or chat with us and provide us with the account number so we can update to a spousal account
  • In addition to opening a new account you will also need to complete:
    • For LIFs and RRIFs, where Payment Information was not provided as part of the online application process, the Payment Information and Election to Use Spouse's Age form found here allows you to identify your payment preference and/or elect your spouse's age to use in the calculation of the yearly minimum payment.
    • For LIFs, the Addendum for Locked-in Pension Transfers to a Life Income Fund (LIF) found here which is required to confirm you agree with all the terms set forth by the province that your LIF is governed by.
    • 目标 RRIFS and LIFs, if you require a Trading Agent on your account, you must also complete the Authorized Trading Agent form. To include a Power of Attorney on your account, please call us or chat with us to learn more about what is required and how to add a Power of Attorney to your account
• Once your account has been opened, please call us to initiate the process to transfer your existing holdings and/or assets.

Normally, a withdrawal by your spouse from his or her RRSP must be taken into the spouse's taxable income and is taxed at the spouse's marginal tax rate. However, there are a special set of rules known as "attribution" rules which provide that certain withdrawals from a spousal RRSP will be "attributed" back to the contributor of the funds. Essentially, any withdrawal from a spousal RRSP which has not yet matured will be attributed back to you if you have contributed to the spousal plan in the year of the withdrawal or the two preceding years.

总的来说，如果在取款之时符合以下条件，则不适用归属原则：

• 您和配偶因婚姻破裂而分居，
• 或者您或配偶为非加拿大税务居民（可能存在非居民预扣税问题有待解决）。
• your spouse transfers, in general terms, the RRSP assets to an RRIF (and does not withdraw more than the prescribed minimum amount), or, transfers the RRSP assets to an annuity (which is not commuted for three years).

• To ensure your beneficiaries and successor annuitant are included on your new RRIF or LIF account please specify them when asked during the account application process. Beneficiaries and successors previously named on your RRSP or LIRA will not be automatically transferred or included on your RRIF or LIF

• If you require a Trading Agent on your account, you must also complete the Authorized Trading Agent form. To include a Power of Attorney on your account, please call us or chat with us to learn more about what is required and how to add a Power of Attorney to your account

• You can indicate the payment preference on your RRIF or LIF during the account application process.
• If you require the payment amount and/or frequency to change at any point in the future, please complete and submit the Payment Information form. This form must be received and processed at least 11 business days before the next scheduled payment.

• Available options include annually, semi-annually, quarterly, monthly, or one-time payment within the calendar year. Regardless of the frequency selected, all payments will be made on the 10^th or 24^th of each month

• The payments (either minimum or elected) will start automatically in the year following that which your RRIF/LIF account was opened. The minimum payment amount is calculated based on your age as of December 31^stin the previous year.

• Yes, you can withdraw from your account in the same calendar year as it was opened or prior to your first payment. Note, for RRIF accounts, there is no withholding tax on the minimum amount withdrawn, any amount above the minimum may be subject to RRSP withholding tax rules. For LIFs, please call or chat with us for assistance with determining how much can be withdrawn. Please speak with a professional tax advisor to review your circumstances further.

• Yes, you can withdraw amounts above the minimum for both a RRIF and LIF. For a LIF there is a maximum amount you are eligible to withdraw while for a RRIF there is no applicable maximum. Please call or chat with us for assistance with determining the maximum amount which can be withdrawn.

• Prior to converting your account, we ask that all existing orders in your RRSP or LIRA are cancelled so that all your assets can be moved into your RRIF/LIF.

• Once your account has been opened, please call us to initiate the process to transfer your existing holdings and/or assets

• Yes! If you have other RRIF, RRSP, LIRA or LIF accounts you can consolidate them into a single account as long as the accountholder(s) information matches.

• You can access details including the amount, frequency, start date, minimum calculated payment, elected annual payment and year-end value, online through your account. Simply log-in to your account, navigate to the "Move Money" tab. From here, go to "Manage accounts" and you will be able to see the desired details.

• RLIF的作用是接收来自终身收益型基金（LIF）以及在2008年5月8日后订立的锁定RSP协议中的锁定资产，或在某些情形下，亦可用于接收退休金福利补贴。在其年满55的那一年或之后的任意一年，只要在创建RLIF账户后的60天内，个人将可以把RLIF转换为非锁定RSP或RRIF，从而'解锁'RLIF中高达50%的资金。

如果客户希望将RLIF中的资产转回一项锁定计划中，则RLSP可以接收RLIF（限制性终身收益型基金）中的资金。有人 可能希望进行此类转帐，是因为其当前并不想要稳定的退休收入。

年金是一种通常由保险公司提供的投资工具，旨在为保单持有人在指定期限内提供定期给付。

年金率随利率波动，通常最适合在利率达到历史高位时购买一笔年金。如果您在利率处于低位时购买年金，则可能发现您的收益不足以作退休之用。

年金不是灵活的投资，一旦购买，无法撤销。

没有，只要在上一年度获得合格收入并且提供社会保险号码注册本计划，便可参加，不存在最低年龄限制。

但是，由于证券交易的合约性质，个人需要至少年满18岁才能在BMO InvestorLine（投资优惠线）开立自理RRSP。未成年个人则可以在BMO满地可银行开立RRSP进行GIC投资。

在上一年度至少年满18岁的个人可以对其RRSP超额供款，最高不超过$2,000，而不会产生每月1%税款滞纳罚金。对于纳税年度内的超额供款，您不能要求免税，但可以等到下一年度新RRSP供款额度可用时，再扣除该年度的超额供款。

注：从1995年2月26日起，对于超额供款超过$2,000的计划持有人，过渡原则（transition rules ）允许保留多余款项，并按照未来RRSP供款额度来扣除（最多$6,000），而非强制要求立即取出多余款项。

A beneficiary is an individual or entity that is designated to receive the proceeds of an account upon the death of the account holder.

A contingent beneficiary is an individual that’s designated to receive the proceeds of an account if the beneficiary has predeceased or does not accept.

目标 RRSP accounts, anyone can be named as beneficiary, however, only “qualified beneficiaries” are eligible for tax deferrals upon death of the account holder.

Qualified beneficiaries may be eligible to defer taxes by transferring the RRSP to their personal registered account(s), including their own RRSP 或 RRIF. For example, they can transfer the funds to their own RRSP 或 RRIF without having to pay immediate taxes. This implies that the transferred amount will continue to grow tax-deferred until it is withdrawn, at which point it will be taxed as income.

A qualified beneficiary can be:

1. A spouse or common-law partner;
2. A financially dependent child or grandchild (under 18); or
3. A physically or mentally impaired child or grandchild.

For additional information, please consult with a professional tax advisor.

A successor annuitant is an individual who can take ownership of the account (i.e.,RRIF) and its assets as-is upon the death of the account holder without the need to transfer or sell any securities or funds to settle the account.

A successor holder is a spouse or common-law partner named to acquire all the rights as the account holder of a TFSA upon the death of the original account holder. The TFSA will continue in the spouse or common-law partner's name.

The successor annuitant can assume the account (i.e.,RRIF) and elect to continue receiving payments, and revoke or change the designation of beneficiaries after the account holder's death. The successor annuitant has the option to receive payments automatically.

The successor holder will acquire all the rights under the account (i.e.,TFSA) and continue the account in their own name without re-registration. The successor holder cannot manage, withdraw, or change the account without taking over the account after the death of the original account holder.

Designated beneficiary(ies) receive the proceeds of an account upon the death of the account holder.

Anyone can be designated as a beneficiary. This includes, but is not limited to, a spouse or common-law partner, a child or grandchild, a close friend or relative etc.

A successor holder can only be a spouse or common-law partner.

Only a spouse or common-law partner is eligible to be named as successor annuitant for an account.

Beneficiary and successor designations vary depending on the type of registered investment account. Review the following summary of how these designations apply:

Note: beneficiary refers to beneficiary for estates purposes. The beneficiaries for 注册教育储蓄计划（RESP） accounts are treated separately and different rules may apply depending on the nature of the account.

Non-Registered accounts, like cash and margin accounts, do not typically offer beneficiary designations because the assets in non-registered accounts must go through the estate process. During this process, assets are distributed according to the account holder's will or provincial succession laws, ensuring all debts and taxes are settled before being distributed to heirs.

Beneficiaries can not be designated and are not applicable in the following situations:

• Where the law of Quebec applies
• 非注册账户
• Certain trust accounts that require the distribution of assets
• 企业账户

Naming or designating a beneficiary on your account can help with:

• Ensuring proceeds are paid directly to the beneficiary, bypassing the estate settlement process.
• Deferring tax requirements on the account proceeds
• Annuity settlement options, providing scheduled payment for beneficiaries and quicker access to funds.
• Avoiding disputes and undue stress.
• Easing the burden on your executor and reducing risks.
• Reduce the time spent or bypass the probate process completely, saving time and cost.

Naming a successor holder on a TFSA has several advantages:

• Income earned in the TFSA account before and after the account holder’s death remains exempt from taxes.
• The successor holder gains full ownership of the TFSA account after the account holder’s passing.
• The successor holder is not required to fully transfer the funds out of the account.
• The TFSA contribution room of the successor holder remains unaffected.

Designating a successor annuitant can assist with:

• Allowing the successor annuitant to take full ownership as-is or transfer to their personal account.
• Avoiding probate and the need to wait for the full estate settlement.
• Saving on legal fees and deferring taxes.
• Saving time and reducing stress for loved ones.

When naming a beneficiary, consider the following:

• Different account types (e.g., RRSP, TFSA, RRIF) have specific rules and regulations regarding beneficiary designations.
• Provincial and/or federal laws (i.e., where the law of Quebec applies, designating a beneficiary is not applicable).
• The current financial situation of the individual(s) you are designating as a beneficiary(ies), including potential tax implications.
• Identifying how account proceeds should be divided among the beneficiaries if more than one.
• Naming contingent beneficiaries.
• Planning for regular review and update of beneficiary designations to reflect important life milestones or changes.

If you name a beneficiary and do not name a successor holder (i.e., for a TFSA) or successor annuitant (i.e., for a RRIF), the assets in your account will be transferred to the beneficiary’s account but may be subject to tax.

If you name a successor holder (for TFSA) or successor annuitant (for RRIF) but do not name a beneficiary, the successor will take over your account upon death.

• 目标 TFSAs, the account may keep its tax-free status without affecting their TFSA contribution room.
• 目标 RRIFs, the account will continue maintain its tax-deferred status, and taxes on withdrawals are deferred until they are withdrawn by the successor.

If you appoint a spouse or common law as a beneficiary, your account will be closed upon your death, and the assets will be transferred directly to them. The beneficiary will not have the ability to take ownership of the account directly, nor will they be able to manage or change beneficiaries for the account. Instead, the assets will be transferred into an account in the beneficiary's name, and they will have full control over the assets at that point, including the ability to manage, transfer, or withdraw them according to their own preferences.

If you appoint a spouse or common-law partner as both the successor holder or annuitant and beneficiary of an account, the successor designation takes precedence, and the individual will have ability to assume the account as-is.

If you do not designate a beneficiary for your RRSP, the assets of your RRSP will be included in your estate and distributed according to your will. If you have a will that specifies beneficiaries for your RRSP, the assets will be distributed as outlined in the will. However, the RRSP value will be considered as part of your estate and may be subject to taxes and potential probate fees. Additionally, the value of the account will be included in the final annual income of the account holder and may be subject to income taxes, unless it qualifies for a rollover to the surviving beneficiary.

If no successor holder or beneficiary is designated in your TFSA or will, the TFSA holdings will be directed to the deceased holder’s estate and distributed in accordance with the terms of the deceased holder’s will or provincial laws, whichever is applicable.

When a non-qualified beneficiary is designated in an RRSP, the value of the RRSP is included in the account holder's final income tax return. This means the account holder's estate will pay taxes on the value of the account and beneficiary will receive the remaining amount after taxes.

For additional information, please consult with a professional tax advisor.

If someone other than your spouse or common-law partner is named as the beneficiary of your TFSA, the TFSA will not automatically transfer to the beneficiary. Instead, the TFSA will be included in your estate and will be subject to probate. The fair market value of the TFSA at the time of your death will be considered as part of your estate, and the beneficiary will receive the value of the TFSA. This means that the assets transferred may be subject to tax on any income or gains earned after the account holder's passing.

For TFSAs, the successor holder takes precedence and will become the new account holder after the passing of the original account holder. The TFSA will continue to be managed as it was before the passing of the original account holder, but in the name of the successor holder. In case the successor holder is not available to assume the account, beneficiary designation(s) will apply.

For RRIFs, the successor annuitant takes precedence, and they will take control of the account. This means, the successor annuitant will have access to manage the account. In case the successor annuitant is not available to assume the account, the beneficiary designation will apply.

To designate beneficiaries on your account, you can designate up to three (3) beneficiaries and/or three (3) contingent beneficiaries per form. If you require more than three (3) beneficiaries and/or contingent beneficiaries, you can do so by completing multiple forms.

When multiple beneficiaries are designated, you also can allot specific percentages, if they add up to 100% of the proceeds, to each beneficiary.

Note: there is no limit to the number of beneficiaries you can designate on your account.

Upon the owner's death, the beneficiary of the TFSA account will receive the funds from the owner's TFSA account tax-free. However, any income earned in the deceased account holder's TFSA after death is subject to taxes. Lastly, the assets do not have to be transferred to another TFSA account, but if they are, the owner's TFSA account will be closed.

After the account holder passes away, the successor annuitant has the option to:

• Receive the entire balance of the account as a lump sum payment, taxed as income in the year it is received.
• Elect to receive periodic payment over a specified period, including minimum annual withdrawal requirements.
• Transfer the funds to their own RRIF or roll the RRIF investments into their RRSP without affecting their contribution room and annual minimum withdrawals.
• Defer receiving funds until a later date, depending on the specific terms of the account. This may include continuing the RRIF in the Successor Annuitant’s name.

The beneficiary designation of an account does not automatically transfer to another account. You are required to make your designation again when assets are transferred from RRSP 或 LIRA （投资优惠线）账户，请填写此表并附上您的申请。

Probate is the legal process of validating and distributing the assets of a deceased person. This often involves validating the authenticity of the will in court, paying debts and taxes, locating, and transferring the assets to the beneficiaries. Typically, assets with named beneficiaries bypass the probate process, allowing for a quicker, stress free, and more direct transfer.

You don’t have to wait until your elder years or if you are faced with a life-changing event to start your estate and legacy planning.

It is essential to update your plans when significant events, such as marriage, divorce, the birth of a child, or death of a close relative occur.

For registered accounts, you can view the beneficiary/successor designations for your account on your monthly account statements under the section "Individuals related to your account". If the beneficiary/successor information for your account was recently updated, this will reflect on the next monthly statement cycle.

To add or remove a beneficiary/successor from your account, please complete and submit the “TFSA Beneficiary Designation and Successor Holder“ for TFSA accounts or the “Beneficiary Designation and Successor Annuitant” form for all other applicable registered accounts.

These forms can be found in the Forms Library by selecting “Add someone to my account” from the “I’m trying to” dropdown.

Once completed, these forms can be submitted 或 。

Note: any new submissions of the beneficiary/successor forms will overwrite the existing designations in place.

A Dividend Reinvestment Plan, also known as DRIP, allows you to automatically purchase additional shares or units of a security from the cash dividends paid on eligible securities without incurring commission costs.

The program is usually directly managed by the company or treasury agent and is commonly referred to as Treasury DRIP.

For some securities, which do not participate in a Treasury DRIP program, certain brokers may purchase shares in the market directly using the cash proceeds of the dividend payment. This is commonly known as Synthetic or Artificial DRIP.

BMO InvestorLine’s DRIP program only makes eligible securities which participate in a Treasury DRIP program.

BMO InvestorLine facilitates the automatic reinvestment of dividends into additional stocks or trust units for eligible Canadian issuers that offer a dividend reinvestment program.

Eligible stocks or trust units are deposited into your account upon receipt from the Canadian Depository for Securities (CDS). These securities will automatically appear in your account between 2 to 4 weeks from the dividend payment date.

To enroll your account or securities or change your current enrollment, log-in to your account on BMO Invest App or the BMO InvestorLine website and chat with us.

Note: The BMO InvestorLine Dividend Reinvestement Plan is only available to residents of Canada.

BMO InvestorLine’s Dividend Reinvestment Plan is available only for a select number of Canadian securities. You can review which securities are eligible by searching for the desired ticker. If you are unable to locate or have additional questions on a particular security please contact us to confirm a particular security’s eligibility.

Note: changes to the eligibility, whether removal or addition of a security, can be made without notice.

There are two options available for enrolling in the DRIP plan:

1. You can enroll at the individual security level where eligible.
2. You can enroll all eligible securities at the account level. This enrolls all current (and future) eligible securities in the plan

To enroll your account or securities or change your current enrollment, log-in to your account on BMO Invest App or the BMO InvestorLine website and chat with us.

Reinvested shares will appear in your account automatically upon receipt from the Canadian Depository for Securities. This can take between 2 to 4 weeks from the dividend payment date to be received.

Details, including the number, the price reinvested at, and the date of the shares received can be viewed by logging in to your BMO InvestorLine account on the BMO Invest app or through web browser and navigating to your Transaction History.

Any distributions which are eligible and reinvested will show under the column "Type" as "Reinvestment".

If cash from your dividend is not enough to purchase one full share(s), your account will be credited with the cash dividend amount.

There is no cost to enroll or make changes once enrolled in the DRIP.

For eligible shares received through the DRIP program, it can take between 2 to 4 weeks from the dividend payment date to be received from the Canadian Depository for Securities (CDS) and be deposited into your account.

In case a security is no longer eligible for the Dividend Reinvestment Plan, no changes are required on your part, any future dividends received will be automatically deposited in your account in cash.

Note: changes to eligibility for DRIP, whether removal or addition of a security, can be made without notice.

Withdrawals from a 注册教育储蓄计划（RESP） account can be for education or non-education purposes:

• Education withdrawals: If the beneficiary is attending school and wishes to withdraw funds for education related expenses including but not limited to tuition, book & supplies, they can request either an Education Assistance Payment or a Post-Secondary Education (Capital) withdrawal.
• Non-education withdrawals: If the plan beneficiary does not pursue post-secondary education, different options are available to utilize the funds in the 注册教育储蓄计划（RESP） account including Capital withdrawal, Accumulated Income Payments (AIP) and RRSP rollover.

Education Assistance Payments are used to finance eligible expenses associated with a beneficiary's post-secondary education. They are comprised of grants and/or income within the 注册教育储蓄计划（RESP）。

The maximum EAP available for the first 13-weeks of post-secondary school enrollment is $8,000 for full-time studies and $4,000 for part-time studies.

EAP is a taxable payment and a T4A tax slip will be issued to the beneficiary for the payment amount. For Quebec residents, an additional tax slip, Releve 1 will also be issued.

To request an EAP, please complete the following RESP withdrawal form and return it to BMO InvestorLine, along with a for the beneficiary. Documents can be submitted 或 。

Post-Secondary Education Capital withdrawals can be made for any reason and be paid to the plan subscriber, beneficiary, or education institution to finance eligible expenses associated with a beneficiary's post-secondary education.

These withdrawals are comprised of the capital/contributions made to the account and are non-taxable.

To request an PSE withdrawal, please complete following RESP withdrawal form and return it, along with a for the beneficiary to BMO InvestorLine. Documents can be submitted 或 。

If the beneficiary decides not to pursue post-secondary education, the accumulated income or earnings in the 注册教育储蓄计划（RESP） may be eligible for withdrawal by the subscriber, subject to certain conditions.

To know more about eligibility for AIPs and any applicable taxation, please review the following terms or consult with a tax advisor.

To request an AIP, please complete following RESP withdrawal form and return it to BMO InvestorLine. Documents can be submitted 或 。

The subscriber of the 注册教育储蓄计划（RESP） plan may be eligible to reduce the amount of tax payable on AIPs, up to a maximum of $50,000, by contributing to their RRSP account. Contribution amounts are subject to available contribution limits in the individuals RRSP。

To learn more about the eligibility of RRSP Rollovers, please review the following terms.

To request a RRSP rollover, please complete following RESP withdrawal form and return it along with a completed CRA form #T1171 to BMO InvestorLine. Documents can be submitted 或 。

If the 注册教育储蓄计划（RESP） beneficiary(s) decide to not pursue post-secondary education, the contributions made by the plan subscriber can be returned. The returnable amounts are subject to repayment of any matching grants received in the plan.

To request a Capital withdrawal, please complete following RESP withdrawal form and return it to BMO InvestorLine. Documents can be submitted 或 。

Currently, the portions of the 注册教育储蓄计划（RESP） account which are considered capital, income and/or grant are not viewable online.

To obtain a breakdown of your account balances including what portion is capital, income and/or grant, log-in to your account on BMO Invest App or the BMO InvestorLine website and chat with us or contact us.

Education Assistance Payments and Post-Secondary Education Capital (PSE) Withdrawals require proof of enrollment in a qualifying program.

To satisfy this requirement official documentation must be provided which uses the educational institution's letterhead or be readily identifiable as a document reproduced from the institution's secure student website. Examples include an enrolment letter, course confirmation, receipted invoice, tuition statement or any combination of these documents.

Letter of acceptance, offer of admission, and unpaid invoice are not acceptable for proof of enrolment. The student's ceased/last date of enrolment indicated on the proof of enrolment must be within six-months from the date an EAP is requested.

Note: Letters provided must be signed and certified by the Office of the Registrar or department head. If a tuition statement is provided, proof of payment must be shown on the statement.

For family plans, you may be eligible to share grants and income across plan beneficiaries. This is subject to each beneficiary's maximum lifetime amounts.

For individual plans, any applicable grants held in the account would be returned to the government.

If none of the plan beneficiaries pursue post-secondary education, any applicable grants held in the account must be returned to the government.

The capital portion can be withdrawn by the subscriber tax-free through the Capital Withdrawal process.

Income held in a 注册教育储蓄计划（RESP） account can be withdrawn, known as Accumulated Income Payments (AIP), by the subscriber subject to certain conditions。

The subscriber may also be eligible to transfer up to $50,000 of accumulated income to their or their spouse’s RRSP account (subject to available contribution room) as part of the RRSP Rollover process.

If the beneficiary does not pursue post-secondary education and the capital is withdrawn from the account, any grants which have been received associated with the capital withdrawn must be returned to the government.

No additional action, forms or documentation are required on your part. Grants are automatically deducted and remitted to the government as part of the withdrawal process.

公司动态是指由发行公司发起的影响该公司所发行证券（股票或债券）的事件。包括合并和收购、分拆、现金股票合并、正向和反向拆股及名称变更。部分公司动态，比如派付股息（对于股票证券）或息票（对于债务证券或债券）可能对股票或债券持有人有直接的财务影响。而某些公司动态对股票持有人可能有间接影响，比如拆股，因为股票流动性增大可能将造成股价上涨。其他公司动态则没有直接财务影响，比如名称变更。

• 为了向股东返还利润。上市公司可能会宣布对每股流通股支付现金股息。
• 为了影响股价。 如果股价过高或过低，股票的流动性就会受到负面影响。价格过高的股票并非每位投资者都能负担得起，而价格过低的股票可能会遭到退市。拆股或反向拆股等公司动态可增加或减少流通股的数量，从而使股价上涨或下跌。
• 为了公司重组。合并是两家具有竞争性或互补性的公司进行整合以提高赢利能力的一种公司行为。

客户须知：

1. While BMO InvestorLine is not required to communicate corporate actions, once the information becomes available we'll make every effort to inform clients of any notifications through MyLink - your secure personal inbox, by phone or by mail.
   
   In addition, BMO InvestorLine is not responsible for any missed, lost or late communications sent through these channels. 由您自己负责监督所持证券的状态。
   
   谨记定期登录您的账户以查看MyLink中是否有新消息。
   
   我们建议您查阅收到的所有公司行为，以确保您充分了解所持证券受到的任何影响。请注意，有些公司行为可能要求您在几种替代方案中选择一种，且可能具有严格时效性。因此，留心可能影响您所持证券的公司行为十分必要。
2. 由可选股息事件产生的股息支付将以现金支付。 If you prefer the share option, please inform BMO InvestorLine by calling 1-888-776-6886.
3. BMO InvestorLine will not pay out or deposit funds, or adjust your security position until we've received the securities from the transfer agent representing the issuer, regardless of the dates disclosed in the corporate action.
4. BMO InvestorLine will not permit you to sell the securities subject to the corporate action until we've received and deposited the shares to your account.
5. Any proceeds resulting from a corporate action will be paid in the currency in which the security is held with BMO InvestorLine.

作为BMO InvestorLine（BMO优惠线）的客户，您可在线买卖以加元或美元计价的固定收益产品。首先您可搜索最大的网上债券目录之一，以选择符合您的投资条件的固定收益产品。在各种类型的固定收益产品间选择，包括联邦、省和公司债券、零息票债券和剩余债券、短期国债、商业票据和银行承兑汇票。

在固定收益交易中，业界标准做法是把佣金计入价格中。对于网上固定收益产品，您可在闲暇时浏览我们的目录，了解我们极具竞争力的产品。

我们的价格和收益随购买金额不同而不同。通常来说，购买量越大，报价和收益越好。

应计利息是自上一个利息支付日起债券的累计利息。在计算购买债券的总价时，购买人必须支付结算日前的应计利息。购买人会在下一个派息日获得债券的全额利息。相反，当卖出一种债券时，卖出方会收到应计利息，作为交易总值的一部分。

目前，交易所交易债券仅通过BMO InvestorLine（投资优惠线）代表提供。佣金为最低$35外加每分债券$1（1份债券为$1000面值）。例如，50份债券或$50,000面值债券的佣金如下：$35+$50=$85。

在您要注资的BMO InvestorLine（投资优惠线）账户中点击“资金转账”，然后按照“现金转账”中的必要步骤进行操作。

您可以进行三种存款：

• BMO InvestorLine - deposits and regular contributions (Cash, Margin and RRSP) allow you to make contributions to your RRSP account and deposit funds into your investment account.
• BMO InvestorLine - spousal contributions (RRSP Accounts) allow you to make spousal contributions to your Spousal RRSP （投资优惠线）账户，请填写此表并附上您的申请。
• BMO InvestorLine - administration fees (RRSP and LIRA) allow you to pay the administration fees for your RRSP or LIRA accounts.

是，您可将BMO InvestorLine（投资优惠线）设为“帐单人”或“受款人”，然后通过您在众多加拿大主要金融机构的银行账户转帐。请联系您的银行，看他们能否将BMO InvestorLine（投资优惠线）作为“帐单人”或“受款人”。

存款到达您的BMO InvestorLine （投资优惠线）账户，可能需要2至5个工作日才可处理完毕，具体要看您的金融机构需要的处理时间。

您的银行对电子交易或电话交易可能设置了每日最高限度，请与您的银行核实更多详情。

To ensure superior quality client service, we will guarantee a 100% reimbursement 脚注星星^* for any unauthorized transactions conducted in your account that results in a direct loss. 阅读我们的网上安全保证了解更多信息。

如果您已在我方开设现金或保证金账户，我们已自动将AccountLink^®服务纳入您的账户功能。AccountLink服务将您的财务需求进行整合，便于管理。AccountLink是一种我们为所有非注册账户提供的服务。 It wraps the convenience of a BMO Bank of Montreal chequing account in with your BMO InvestorLine securities account.

You access your cash the same way you would with a regular BMO Bank of Montreal chequing account. You can:

• 写支票
• deposit or withdraw from any BMO Bank of Montreal Instabank^® Automated Banking Machine (ABM) across Canada
• withdraw funds from any ABM on the INTERAC^® 脚注星星^* network in Canada or through an ABM on the Cirrus^® 脚注星星^* network in the 美国 and around the world
• 使用INTERACT直付服务（借记卡交易）进行销售点（POS）消费。

作为 BMO Bank of Montreal customer, your AccountLink Services can be included as part of your Everyday Banking Plan Fee. Just another way we are working towards meeting your comprehensive financial needs.

AccountLink Service can be linked to your BMO Bank of Montreal FirstBank^® Card, just like your other BMO Bank of Montreal accounts. By linking your AccountLink Service to your FirstBank Card, you can enjoy the many services offered through BMO Bank of Montreal including:

• 自助银行服务，通过 网上服务 or Telephone Banking Service
• 访问 BMO Bank of Montreal Instabank Automated Banking Machines (ABM) across Canada
• access to ABMs on both the INTERAC network in Canada and the Cirrus network in the 美国 and around the world
• 使用INTERACT直付服务（借记卡交易）进行销售点（POS）消费。

If you don't have a FirstBank Card, you can either contact your BMO Bank of Montreal branch to have one issued, or we can issue you an AccountLink Service Card. The choice is yours.

If you already use BMO Bank of Montreal's 网上服务, or Telephone Banking Service and you have added your AccountLink account number to your FirstBank Card, then you can use Online Banking, Telephone Banking or BMO Bank of Montreal Instabank Automated Banking Machines (ABM) to transfer funds.

As well, you can call a BMO InvestorLine representative or visit your nearest BMO Bank of Montreal branch.

不能。要提取美元AccountLink账户中的美元资金，请亲临最近的BMO满地可银行分行。

BMO InvestorLine offers competitive rates and fees. 请访问我们的 费用页面 了解更多详情。

Each month you are entitled to two free cheques, withdrawals or transfers at a BMO Bank of Montreal branch or Instabank Automated Banking Machines (ABM), or INTERAC Direct Payment Service transactions. 其后，则须支付常规BMO满地可银行银行业务费用。欲了解更多信息，请联系我们。

对于想要购买证券而不全额支付的客户，我们可为之提供信用额度。“保证金”一词是指您必须提供的一部分资金，这些资金将和信用额度贷款一起用于购买产品。

To buy on margin is to borrow money from BMO InvestorLine to purchase securities. 贷款由您资产组合中的资产价值作担保。所有账户将每日监测以确保始终维持足够的保证金水平。如果已缴付保证金证券的价格跌至账户保证金不足的程度，您需要立即采取以下一项措施：

• deposit funds or marginable securities into your BMO InvestorLine account to cover the amount you are under-margined; or
• 卖出证券以填补差额。

如果账户保证金不足时您未采取行动， BMO InvestorLine may sell any or all of your positions. 我们将把净收益用于偿还您欠我司的贷款，从而消除或减少您账户所欠保证金的金额。

保证金账户仅可作为非注册账户。您可申请保证金账户权限，请填写 新账户申请. Margin accounts must be approved by BMO InvestorLine and a credit check must be conducted.

BMO InvestorLine offers lines of credit in Canadian and US Dollars at very competitive interest rates. 请在利率页面查看我们的当前利率或联系我们进一步了解信息。

利息根据上个月第22天到当前月份第21天（包括当天）期间您BMO InvestorLine（投资优惠线）账户的平均每月贷方和/或借方结余计算，每月付到您的账户并每月复利计息。

You will need to set up your bank account first.

To de-register go to:

• ‘Account Services’ > ‘Move Money’
• Under FROM, select Chose Account and you’ll see ADD BMO BANK ACCOUNT at the top of the pop up.
  • Enter your 4-digit transit (branch) number, 7-digit account number and provide a nickname for this account that is 3-20 characters long.
• Once complete, click add.

Now when you choose FROM – select the InvestorLine account you wish to withdraw from, and under TO, select the bank account you just added. Input the amount and continue.

To contribute into the account, it is the reverse where TO is your BMO InvestorLine account and FROM is the bank account you added.

All beneficiaries are listed on the second page of your statement under INDIVIDUALS RELATED TO THIS ACCOUNT.

To access your statements, select 'My Portfolio side' > 'eDocuments' and they will appear on the left-hand side. Please note that statements are generated monthly or quarterly, so recent updates will not reflect until the next statement.

每个月末后8个工作日左右可在您的账户中查看对账单。

If no transactions were performed, you will receive a quarterly statement.

• 如果您已注册或选择在线接收税务文件，您可以在“电子文档”部分找到这些文件。 Login to your BMO InvestorLine（投资优惠线）账户 to access.
• If you’re having trouble locating the “eDocuments” portion of the InvestorLine website, click here for a detailed step-by-step guide on how to access.
• Note: eDocuments are not currently available on the BMO Invest App

如果您选择了“仅限电子版”作为税务文件的接收方式，所有税务相关文件将仅在“电子文档”部分以电子版形式提供。

如果您选择了“电子版和纸质版​​​​​​​”选项，税务文件将邮寄到您档案中记录的地址，并且也会以电子版形式提供。

税务文件的提供时间将根据您选择的账户类型和接收方式有所不同。点击此处 for a detailed release schedule by tax slip type.

You may receive numerous different tax slips from BMO InvestorLine. The slips you receive will depend on the type of account you have, the income you’ve earned, contributions you’ve made, etc. For more information on the tax documents you may receive, their purpose, and expected availability please click here.

Note: for specific tax advice and detailed understanding of each document, please speak with a professional tax advisor.

您将收到的是当前纳税年度的文件。 If you require access to documents from prior tax years, please navigate to the "eDocuments" section and select the required year from the drop down. You will only be able to see documents for the years which your account was open with BMO InvestorLine.

To change your delivery preferences for tax documents login to your账户 and navigate to the "Account Service" and "Settings". From here you will see an option to edit the "Delivery preferences for your tax documents" for each of your accounts.

Your tax slip will be available in your “eDocuments” by the end of the week for which it is scheduled to be released. 点击此处查看按税单类型的详细发布时间表。 If the tax slip is not available by the end of the week, please contact us to review.

Note: you will not receive a notification that the applicable document is available. Please check back regularly to confirm availability.

Deadline to contribute to your RRSP – March 3rd, 2025

免罚款提交2024年个人报税表的截止日期 - 2025年4月30日

免罚款提交2024年个人报税表（自雇人士）的截止日期 - 2025年6月15日

点击此处 for additional dates for the 2024 tax year.

注意：请务必确保在准备报税表之前已收到所有所需的税单，从而避免提交T1调整表以修改您的报税表。

If you would like to view your documents electronically and are having trouble locating the “eDocuments” portion of the InvestorLine website, click here for a detailed step-by-step guide on how to access. If you need further assistance, please contact us to discuss.

To help simplify your tax preparation efforts, we have developed an overview of the various tax slips and documents you may receive from BMO InvestorLine. 点击此处 to review the tax slips and documents you may receive from BMO InvestorLine. Tax slips received depend on the type of account and product you hold.

注意：如需具体的税务建议和对各类文件的详细解读，请咨询专业税务顾问。

Tax documents such as the T3 and RL-16 related to mutual fund income are issued directly by the respective mutual fund company and not BMO InvestorLine. Please check with the respective company to confirm their release schedule and distribution method (i.e., mail or online).

T3文件（以及RL-16、T5013和RL-15文件包）取决于第三方发行机构，而非BMO InvestorLine（投资优惠线）。一些外部发行机构（如互惠基金公司）会直接邮寄税务收据给您。请与相关发行机构确认文件的提供时间表。

Please confirm the recipient type is set to “joint account” (e.g., Box 23 is 2 on the T5 slip). If you find an error or believe there is an issue with your tax slip, please contact us to review the issue and discuss further.

The maximum contribution for a TFSA in 2025 is $7,000 CAD. For more information on TFSA contributions please visit the Canada Revenue Agency. Your unused contribution room accumulates each year as long as you have a Social Insurance Number (SIN) (even if you do not file an income tax and benefit return or open a TFSA).

• Note: If you were 18 or older in 2009, your TFSA contribution room grows each year. If you turned 18 after 2009, your TFSA contribution room starts to grow in the year you turned 18 and accumulates every year after that year.

请参阅下文，了解在您于2009年已年满18岁且至今未做出任何供款的情况下可累积的供款额度。

If you have closed your BMO InvestorLine account at any point in the tax year, any applicable tax documents will be mailed to the last address on file for your account. Tax documents will not be distributed electronically even if you have opted-in to receive your documents electronically. If you are expecting a document and haven’t received it yet, please click here for a detailed release schedule. If you need further assistance or if you haven’t received your documents, please contact us to discuss.

A T5 slip will be issued if you have or continue to hold a BMO HISA in your account. 点击此处 to review the various tax slips and documents you may receive from BMO InvestorLine. Tax slips received depend on the type of account and product you hold.

A T3 or T5 slip is only issued for income and gains within non-registered accounts. 点击此处 to review the various tax slips and documents you may receive from BMO InvestorLine. Tax slips received depend on the type of account and product you hold.

如果您发现错误或认为您的税单存在问题，请联系我们进行审查并进一步讨论。

No problem – you can take a tour on how to reset your Client ID password with this demo or just follow a few simple steps:

1. 访问BMO InvestorLine（投资优惠线）登录页面
2. 选择忘记密码（密码字段下方的登录框）
3. Enter your Client ID
4. 输入您的出生日期
5. Verify your identity using a verification code sent via text, phone or by calling BMO InvestorLine at 1-888-776-6886 between 8 a.m. and 6 p.m. (ET) Monday to Friday
6. 输入您的验证码
7. 输入“新的”登录密码和“新的”交易密码

If you're still unable to sign in, call us at 1-888-776-6886 and select your language option followed by option #3 in the call options for Account number and Password support. Please have your identification information (your account number and date of birth) ready before calling.

The security of your account is our top priority. From now on, a one-time verification code process will be used as the only method for two-step verification. When prompted, enter the one-time verification code sent to your phone to access your account.

You can take a tour with this demo or just follow a few simple steps:

1. 访问BMO InvestorLine（投资优惠线）登录页面
2. Enter your Client ID, User Id or Account number and password to sign in
3. Select your phone number to verify your identity using a verification code that will be sent by text or automated voice call. If you do not have access to the phone associated with your account, call BMO InvestorLine at 1-888-776-6886 between 8 a.m. and 6 p.m. (ET), Monday to Friday. You will be given a code after verifying your identity.
4. 输入您的验证码
5. Select ‘Add this device to my trusted device history’ if the device you are using is considered a trusted device

我们的网站现已针对6.0或以上版本的IE浏览器和2.0或以上版本（需启用JavaScript）的火狐浏览器（详情见下文）进行了优化。您可以前往微软或者Mozilla网站下载相关浏览器。如需更多关于浏览器升级的信息，请访问本网站的安全性部分。

If you are a client and are having difficulty logging into your account, 勾选 that you have JavaScript enabled on your browser:

• 若使用6.0或以上版本的Internet Explore（IE）浏览器，则应启用浏览器的动态脚本功能。方法是进入IE “工具”菜单，选择“Internet选项”，然后选择“安全”选项卡。点击“自定义级别”按钮（选项卡底部）， 向下滚动至“脚本”（主题按字母顺序排列）部分，然后确保将“动态脚本”设置为“启用”。
• 若使用2.0或以上版本的火狐浏览器，则应启用JavaScript功能。方法是进入火狐浏览器的“工具”菜单，选择“选项”，然后点击“内容”图标， 接着勾选“启用JavaScript”，最后点击“确定”。

若使用8.0或以上版本的Internet Explorer浏览器并经常使用多个浏览器窗口，请参阅本常见问答。

为了保护您的账户，我们已将登录的尝试次数限制为三次。 If you have exceeded your three attempts, please call BMO InvestorLine at 1-888-776-6886; select your language option followed by option #3 for account number and Password support.

若收到此错误消息，则表示您未使用128位加密浏览器。128位加密是最强大、最安全的加密形式，当今北美市场上的浏览器通常都带有该功能。要进行网上投资，请务必使用128位加密浏览器。同时，我们也建议您使用128位加密功能在网上进行所有非金融交易。128位加密浏览器可从微软或者Mozilla网站下载。

此错误消息表明我们的服务器正处于临时关闭状态。若收到此信息，请稍后再试， 或联系BMO InvestorLine（投资优惠线）代表。

为保护您的账户，请确保未向任何其他人透露账户密码。 In addition, after completing your BMO InvestorLine session, you should clear your cache, or turn off and re-initiate the browser, to eliminate any copies of web pages that may have been stored in your hard drive.

此类错误消息表示多种可能性：

• 您的互联网服务提供商发生了短时网络问题（这是最常见的问题原因）
• 无法定位所输入的网址（可能输入错误）
• 网址在互联网服务提供商或网络的范围之外

BMO InvestorLine（投资优惠线）的资讯提醒服务是一项便利的工具，您可以借助此工具使用任何无线设备或您提供的电子邮件地址来接收市场信息通知。您可以从数千个北美市场上市股票代号中选择，以获得成交量、价格及资讯提醒。

这是面向BMO InvestorLine（投资优惠线）客户提供的免费服务。但请注意，无线服务提供商可能对在移动设备上接收电子邮件收取费用。请咨询无线运营商的客户协议或联系他们了解详情。

向终端发送资讯提醒的实际时间取决于相关信息在互联网和/或无线网络中的传输时间， 具体时间可能会因所使用的运营商或互联网服务提供商而异。

完成资讯提醒的设置后，您可以在任何能够接收电子邮件的设备上接收资讯提醒。这些终端包括可启用电子邮件功能的PCS（数字）移动电话、文本寻呼机或个人数字助理（PDA）以及台式电脑。若不想使用无线终端接收资讯提醒，可要求将其发送到您常用的电子邮件地址。

为了在移动电话、寻呼机或PDA上接收无线资讯提醒，请确保您的终端具备接收电子邮件消息的功能。然后，让您的无线运营商为您开通无线互联网服务或短信服务， 他们将为您提供一个供移动终端使用的电子邮件地址。

不可以。此资讯提醒服务旨在用作可强化总体投资策略的便捷工具。 登录您的账户后便可通过我们的网站查阅详细的市场信息。BMO InvestorLine's Alerts service is provided by Reuters Limited. 所有通过资讯提醒服务提供的报价信息均存在20分钟延时， 因此，我们无法保证所提供信息的准确性和及时性。资讯提醒的发送可能随时中断，或因我们无法控制的原因而中断。

Opening a TFSA at BMO InvestorLine is easy by applying online.

There are several ways you can make a contribution to your TFSA。

1. 使用网上银行或电话银行
   Fund your TFSA as easily as you pay bills online. Simply use your Internet or telephone banking service to add BMO InvestorLine to your list of payees
2. Contribute cash or in kind from a BMO InvestorLine cash or margin account
3. 设置预授权注册供款
   设置符合您需求的便捷付款计划，并从平均成本法中获益。只需填写预授权免税储蓄账户供款登记表（51 KB - PDF）即可。
4. 从其他金融机构转移资产
   Consolidate your investments with BMO InvestorLine and simply your investing activities. 完整填写转账授权表后即可开始使用。
5. 将安全证书存入您的账户
   Send your certificates and the completed Power of Attorney to Transfer Stock or Bond (LF255) Form by priority post directly to BMO InvestorLine at:
   
   Attn: BMO InvestorLine
   Transit #3973
   First Canadian Place
   100 King St. W., Floor B1
   Toronto, Ontario
   M5X 1H3
   
   注意：优先投送服务需收取投递费用。

了解更多关于免税储蓄账户的信息

First Home Savings Account (FHSA) is a registered savings account designed to help Canadians save for the purchase of their first home. Available now at BMO InvestorLine, the FHSA allows you to hold various investment types to help grow your savings tax-free.

Opening a FHSA at BMO InvestorLine is easy. Access the application forms and instructions 网上。

The new Mutual Funds Screener and Research tool is seamlessly integrated into the BMO InvestorLine web platform for Self-Directed clients. Look for it in the "Mutual Funds" tab under the "News & Markets" in the top navigation bar of the Self-Directed web platform.

当然！我们明白筛选过程可能会很复杂。 To help you get started, we've included a variety of pre-defined screeners like "Top Performing," "Highly Rated," "Highly Sustainable," and "Low Fee." These pre-set filters can help you quickly find mutual funds that match your specific needs and goals.

筛选和研究工具所用的数据依然来自Morningstar，这是一个值得信赖的投资研究来源。我们仅对数据的呈现方式进行了升级，以便您更方便地使用。

结合传统互惠基金和股票特点的ETF（交易所买卖基金）投资于一篮子股票，其相关证券投资组合紧贴特定市场指数（比如标准普尔/多伦多证券交易所60、道琼斯工业或S&P 500），您在其中享有部分所有权。与互惠基金不同的是，您不从基金中购买或赎回份额。相反，就像股票一样，您可在交易所中买卖ETF（交易所买卖基金）份额。

什么是期权？
Options are contracts that give you the right, but not the obligation, to buy or sell an underlying asset (stock, ETF（交易所买卖基金） or similar product) at a specific price by a certain date. They offer flexibility for various trading strategies.

Why trade options?
Options can help generate income, manage risk, or speculate on market movements, providing versatility for both bullish and bearish outlooks.

What are the risks involved in options trading?
Options trading involves inherent risks, including the potential to lose your entire investment, and greatly magnify losses. It's crucial to thoroughly understand the risks and complexities before you begin trading options.

期权交易的资格要求是什么？
To trade options with BMO InvestorLine, you need an options-approved account. This typically involves meeting certain criteria related to your investment experience, knowledge, and financial situation.

How can I apply for an options-approved account?
如果您是新客户，在开立 BMO InvestorLine（投资优惠线）账户时可以申请开通期权交易权限。 If you're an existing client, you can upgrade your account online.

非注册账户

注册账户

如果我的期权申请未获批准，该怎么办？
If you application is not approved, you'll receive a notification with the reason for the decision. You can then take steps to improve your eligibility and reapply in the future.

What tools and features does BMO InvestorLine offer for options trading?
Our platform offers a suite of powerful tools designed specifically for options traders, including advanced charting, options chains, strategy builders, options screeners, and enhanced analyzers.

What types of options strategies can I trade on BMO InvestorLine（投资优惠线）？
At BMO InvestorLine, we offer options trading across all accounts. Note that for Registered accounts, options trading is limited to Level 1.

• Level 1: Long calls, long puts, covered calls, long straddles, long strangles (covered puts are only allowed in Margin accounts approved for short selling).
• Level 3: Spreads.
• Level 5: Uncovered, short straddles, short strangles.

What are the commissions and fees for options trading on BMO InvestorLine（投资优惠线）？
期权交易需支付佣金。 For detailed information on fees and commissions, please refer to our 佣金和费用表。

What is the commission on exercises and assignments?
The minimum commission for option exercise and assignment is $43. 请参阅我们的 佣金和费用表。

What is the commission on multi-leg option trades?
The commission on the 1st leg of an online options order is $9.95 + $1.25 per contract and the 2nd leg would be $1.25 per contract. If the multi-leg strategy includes an equity position (i.e., a covered call, married put, etc.), then it would be one commission of $9.95 + $1.25 per contract. Also note, if the principal value of each leg is $2,000 or less, the maximum commission would be $35 CDN or $35 US per leg.

What educational resources does BMO InvestorLine provide for options trading?
我们的“投资知识中心”汇集了大量有关期权交易的文章、视频、网络研讨会和课程等资源。从新手到经验丰富的专业人士，我们为各个级别的交易者提供服务。 立即访问我们的投资知识中心。

How can I get help if I have questions on options trading or need assistance?
We are open from Monday to Friday 8am - 6pm EST please contact us at 1-888-776-6886。或者，请访问此链接获取其他联系方式。

ESG stands for Environmental, Social, and Governance.

The ESG framework promotes sustainability for present and future generations by fostering prosperity for all, equitable distribution of resources, healthy living conditions, and an environment where nature can thrive.

Through ESG, investors can understand a company's purpose, strategy, and management.

The ESG framework looks beyond profits and takes the interconnected nature of humanity into account. Companies with high ESG generally:

• Boast solid financial indicators with lower cost of capital and less volatility.
• Experience fewer instances of bribery, corruption, and fraud.
• Enjoy positive brand recognition among customers and the public.
• Command higher employee retention rates.

Our ESG framework evaluates equity and ETF investments.

ESG scores are measurements of companies’ perceived performance on the three category pillars: Environmental, Social and Governance.

A category-specific score is determined for each pillar based on the company's participation in the pillar's key issues. Among the most important issues for each pillar include, but not limited to:

环保

• Carbon Emissions
• Water Stress
• Renewable Energy

社会

• Labor Management
• Privacy & Data Security
• Access to Health Care

治理

• Board
• 支付
• 商业道德

The ESG score of a company is determined by the degree to which it is exposed to industry-specific issues and the effectiveness with which it manages these key issues. Companies are assessed based on:

• 80+ geographic and business metrics
• 100+ key governance metrics
• 150 policy and program metrics
• 20 performance metrics

You can enable biometric login for your BMO Invest app in the any one of the following ways:

Option 1 – Upon signing up with your Client ID

• Select “Remember Me”
• Type in your password and Sign In.
• You will be prompted to enable biometric login.

Option 2 – If you choose to not select the “Remember Me” box, you can enable and/or disable biometric sign in under the Settings Menu within your BMO Invest App.

Note: You must have biometrics enabled in your phone/device settings for either of the options outlined above to work.

To disable biometric login in your phone and/or device:

• Sign-in to Client ID.
• Access App settings from the menu.
• Toggle off Biometrics.