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网站用户协议

The following terms of use (the "Terms") apply to your use of all websites of BMO InvestorLine Inc. ("BMO IL") (individually referred to as a "Website" and collectively referred to as the "Websites") and access of online services of BMO IL ("Online Services"). 为清楚起见，“网站”一词包括通过应用程序（定义见下文）访问的任何网站，而“在线服务”一词则包含移动服务（定义见下文）在内。使用网站即表示您接受并同意服从和遵守本条款以及在网站的页脚、内容或其它页面中和网站的链接、按钮或图标下的任何条款、条件、法律声明与免责声明（“附加条款”），如同您签署了此类条款的印刷版本，而且您将受其约束，并在您每次使用网站时继续适用此类条款。 These terms are additional to the terms of the client account agreements governing your BMO IL self-directed account(s).

此外，本条款和附加条款还将适用于您使用任何可下载的应用程序（单个或多个应用程序统称为“应用程序”）或其它技术，访问由网站提供的任何特点、功能、内容和/或信息。

如果本条款与附加条款之间存在任何冲突，以附加条款为准。

All products and services of BMO IL that are described, made available or provided on the Websites may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the applicable agreements governing their use in force at the time of the provision of the product or service, in addition to the Terms and Additional Terms. In the event that the Terms or Additional Terms are inconsistent with the terms of any agreement that you or your organization may have with BMO IL, the terms of that agreement will govern.

网站页面上提供的信息、资料和内容，包括定价信息在内（“信息”），在发布时均可视为可靠，但我们不保证此类信息始终准确、完整或有效。 Without limiting the generality of the foregoing, the Information may include technical inaccuracies or typographical errors, and BMO IL and its officers, directors, employees and agents have no obligation to update the Information. 此类信息或网站可能随时更改、撤销或终止，恕不提前通知。

我们可能随时对本条款和附加条款进行修改，不会通过更新本发布内容以示通知。您同意定期查看本条款，并且您对网站的继续访问或使用代表您同意我们做出的任何变更。

BMO InvestorLine Inc.

BMO IL is an indirect subsidiary of Bank of Montreal. BMO IL is a member of the Investment Industry Regulation Organization of Canada and the Canadian Investor Protection Fund.

无建议

所提供的信息仅供参考，不用于构成金融、会计、法律或税务建议，因此不应就此类目的依赖这些信息。BMO IL self-directed services and use of the Websites does not provide advice, recommendations or provide determinations of suitability in respect of proposed purchases or sales of any securities in your BMO IL self-directed account(s).

无诱导或管辖权

The products and services of BMO IL and its affiliates are only offered in jurisdictions where they may be lawfully offered for sale and are subject to the terms of applicable agreements. 仅将依据当地法律并在可合法出售的区域提供网站上提及的任何产品或服务。

对于任何无法进行合法邀约或诱导的辖区，或对于任何向其做出诱导属于非法行为的个人，网站上提供的信息均不构成由任何人做出的邀约或诱导。

无保证

BMO IL provides the Websites, the Application and the Information on an "as is, where is" basis and does not make any express or implied warranties, representations, or endorsements with respect to the Websites, the Application or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, BMO IL does not represent or warrant that the Websites or the Application will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. 您必须独自负责对数据和/或设备进行保护和备份，并采取合理适当的措施扫描电脑病毒或其它有害问题。

您承认，我们无法提供无缺陷的在线服务。在线服务、网站和应用程序使用复杂的电脑和电信网络，因此无法保证能够持续、无中断、无错误地使用在线服务、网站和/或应用程序。包括技术原因、计划内和意外维护或停机、编辑修改或任何其它原因在内的多种因素均可能导致在线服务、网站和应用程序不时出现延迟、不可用、无法交付和/或误差等问题。

无责任

In light of the foregoing, neither BMO IL, its affiliates, its licensors, nor any other third party provider shall be liable in any way for any loss or damage, direct or indirect, which may arise out of or in connection with the Websites, the Online Services, the Application or the Information or any obligation of BMO IL under this agreement, including but not limited to any action or decision made by you in reliance on the Websites, the Online Services, the Application or the Information, from any unauthorized use or reproduction of the Websites, the Online Services, the Application or the Information, from any outage, interruption, discontinuation or delay in the Websites, the Online Services or the Application or any part thereof or any error contained therein or omission therefrom, from any other non-performance, defective performance or late performance due to any cause whatsoever, including errors due to malfunction of equipment, programs or operations of BMO IL, its affiliates, its licensors, or any third parties, or negligence of BMO IL, its affiliates, its licensors, third party providers, operators or programmers, even if such party knew, should have known or was advised of the possibility of such damages. In no event will BMO IL, its affiliates, its licensors, or any third party provider be liable for any punitive, incidental, direct, indirect, special, exemplary or consequential damages, including, but not limited to, loss of use, loss of data, loss of opportunity or loss of revenues, profits or savings, however caused, related to, arising out of or in connection with your use of, reliance on, or inability to access or use the Websites, the Online Services, the Application or the Information, or for any delay in or failure of transmission of any instructions or notifications sent to BMO IL through the Websites, the Online Services or the Application, even if such party knew, should have known or was advised of the possibility of such damages. BMO IL's affiliates, licensors and third party providers shall be third party beneficiaries to the foregoing provisions.

由您提供的信息

You agree that any information or materials that you provide to any of BMO IL through any of its Websites shall become the sole property of BMO IL, and may be used freely by BMO IL. By providing such information and materials, you declare and warrant that you have all necessary rights to submit such information and materials and that the information and materials do not infringe the rights of third parties.

通过互联网进行的电子通信

如同通过其它媒介（如手机、邮局投递）进行的不安全或非加密通信，任何通过互联网进行的无保护电子通信都可能遇到拦截、丢失或篡改问题。您不应通过此等媒介发送任何关于您本人或其他人的保密、专有或敏感信息。BMO IL is not responsible for and will not be liable to you or anyone else for any damages in connection with an email, text message, comment, post or any other electronic message sent by you to BMO IL, or an email, text message, comment post or any other electronic message sent by BMO IL to you.

超链接不代表支持

Links to other websites or references to products, services or publications other than those of BMO IL on the Websites do not imply the endorsement or approval of such websites, products, services or publications by BMO IL. Linking to any other website is at your sole risk.

第三方内容

The financial market data, including quotes, charts, news and research (collectively "Third Party Information") are provided by various information suppliers ("Information Providers") that are independent of BMO IL.

The Third Party Information may include the views, opinions, and recommendations of individuals or organizations that may be of interest to investors generally, but BMO IL and its Information Providers do not endorse such views or opinions.

The Third Party Information does not represent BMO IL's views, and is not intended to provide investment, tax, accounting or legal advice nor does it constitute a solicitation of any offer to buy or sell any securities. 除非另有说明，否则报价信息均延迟20分钟。我们无法保证所提供信息的准确性。BMO IL and its Information Providers shall not be liable for any errors or delays in content, or for any actions taken in reliance thereon."

第三方信息的知识产权归属提供该信息的提供商，对信息的使用受到适用法律和/或版权、商标、再出版或再发布相关限制的约束。

第三方研究

Third party publications are not prepared or approved by BMO InvestorLine Inc. (“BMO IL") and do not meet Canadian research disclosure requirements. 本刊物中的意见、估算及预测均为作者在所示日期之前的观点，如有变更，恕不另行通知。BMO IL makes no representation or warranty, express or implied, takes no responsibility for any errors or omissions and accepts no liability for any loss arising from any use of or reliance on these publications. 提供这些刊物不构成销售要约或对购买任何证券的劝诱。 Affiliates of BMO IL may buy from or sell to customers the securities of issuers mentioned in these publications on a principal basis. BMO IL, its affiliates and/or their respective officers, directors or employees may acquire, hold or sell securities of these issuers, or related securities, or options, futures or other derivative instruments. Affiliates of BMO IL may act as financial advisor and/or underwriter for certain of these issuers and may receive remuneration. BMO IL is an indirect subsidiary of Bank of Montreal. BMO满地可银行或其附属公司可能向这些发行机构提供贷款或其他付费服务。 The reader should assume that BMO IL or its affiliates may have a conflict of interest and should not rely solely on these publications in evaluating whether or not to buy or sell securities of these issuers.

关于信息提供商的附注：

Communify Fincentric:

Communify Fincentric is the leading global platform for unifying market and client data for the securities industry. The Communify Fincentric platform seamlessly integrates diverse data sources, offers intelligent normalization for consistent research analysis and AI-driven insights deployed with stunning visualizations. These capabilities are delivered at huge scale for Broker Dealers, Wealth Managers, Asset Managers and Media companies that serve the industry. Communify Fincentric has a respected heritage that stretches back to Wall Street On Demand, through Markit On Demand and Fincentric, that was in August 2024 carved out of 标准普尔 Global in an acquisition by a partnership between Communify and Stellex Capital Management. For more information, Click here.

These materials by Communify™ Fincentric™, including any software, data, processing technology, index data, ratings, credit-related analysis, research, model, software or other application or output described herein, or any part thereof (collectively the "Property") constitute the proprietary and confidential information of Markit On Demand Inc. or its affiliates (each and together "Communify Fincentric") and/or its third-party provider licensors. Communify Fincentric on behalf of itself and its third-party licensors reserves all rights in and to the Property. These materials have been prepared solely for information purposes based upon information generally available to the public and from sources believed to be reliable.

Any copying, reproduction, reverse-engineering, modification, distribution, transmission, or disclosure of the Property, in any form or by any means, is strictly prohibited without the prior written consent of Communify Fincentric. The Property shall not be used for any unauthorized or unlawful purposes. Communify Fincentric’s opinions, statements, estimates, projections, quotes and credit-related and other analyses are statements of opinion as of the date they are expressed and not statements of fact or recommendations to purchase, hold, or sell any securities or to make any investment decisions, and do not address the suitability of any security, and there is no obligation on Communify Fincentric to update the foregoing or any other element of the Property. The Property and its composition and content are subject to change without notice. Click here for the Communify Fincentric Terms of Use.

标准普尔：

标准普尔作为The McGraw-Hill Companies旗下分部之一，是世界首要的金融市场情报提供商，其中包括独立信用评级、多种指数、风险评估、投资研究及数据。标准普尔股票研究服务所提供的股票研究报告和建议与标准普尔的任何其它分析活动分开执行。标准普尔不通过自有账户进行交易。 The analytical and ethical conduct of Standard & Poor's equity analysts is governed by the firm's Research Objectivity Policy, a copy of which may also be found at www.standardandpoors.com.

Globeinvestor：

Globeinvestor所提供信息的知识产权归属Bell Globemedia Publishing Inc.和/或其授权商。未经Bell Globemedia Publishing Inc.事先书面许可，明确禁止通过包括缓存、复制框架或类似方式在内的方式对此类内容进行任何复制、再出版或再发布。对于不准确、延迟或不完整的信息或据此所采取的任何行动，Bell Globemedia Publishing Inc.及其附属公司和它们各自的员工及授权商均不承担任何责任。信息由多家数据供应商提供，并未经过Bell Globemedia Publishing Inc.的核实。过往业绩并不能预示未来可取得的业绩。在做出任何投资决策之前，请直接咨询相关的个人或公司以及符合资质的投资顾问。

道琼斯指数：

The Dow Jones Indexes^SM are proprietary to and are distributed by Dow Jones & Company, Inc. and have been licensed to use. 查看道琼斯使用条款。

Ford Equity Research:

福特股票研究（Ford Equity Research）作为Mergent Inc.的子公司，是一家独立的研究公司，与任何投资银行或经纪公司均无关系。福特股票研究、其客户和/或员工有时可能在福特股票研究报告中所述之公司任职。 Ford Equity Research has an affiliated investment advisor relationship with Tesserae Capital Advisors, LLC. Tesserae implements investment strategies based on Ford research and is restricted from trading on new buy and sell recommendations until 24 hours after Ford's recommendations are disseminated to all clients.

在此提供的报告和评级由福特股票研究专为其客户及获得授权的订阅人编制。未经福特股票研究事先明确书面许可，严禁以任何形式复制或分发此类报告或评级。报告和评级均基于被视为可靠的公开信息。福特股票研究致力于提供最及时、最准确的数据，但不对数据准确性提供保证。所显示的数据可能不会反映公司动态、行业和经济因素等额外信息，以及其它可能影响福特股票研究评级的事件和情形。本报告仅供参考，不应被视为针对任何证券的买卖邀约。本报告所提供的建议可能不适用于所有投资者。这些建议并未将单个用户的投资风险、回报目标或所受限制考虑在内。福特不对基于所提供之信息而采取行动所造成的后果承担任何责任。在此提供的意见随时可能发生变化，恕不另行通知。所采用的研究流程完全源于定量方法，该方法使用历史数据生成一个股票评级系统。被包括在内的每只股票基于相对评分被归入五类评级：强力买入、买入、持有、卖出和强力卖出。虽然评级为“强力买入”的股票是最被看好的股票，而评级为“强力卖出”的股票则恰好相反，但无法保证这一定符合单只股票或平均股票的表现。过往结果不能保证未来可取得的结果。

晨星：

There is no relationship between Morningstar Research, Inc., or any of its affiliated companies (collectively, "Morningstar") and the Bank of Montreal ("BMO") other than a license by Morningstar to BMO and its subsidiaries of certain Morningstar services, information, trademarks/names, for use by BMO and its subsidiaries. Such services, information, trademarks, and trade names have been created and developed by Morningstar without regard to BMO, its subsidiaries, its business, this website www.BMOinvestorline.com and/or any third party, including any prospective investor.

MORNINGSTAR DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS OR TIMELINESS OF ANY SERVICES OR INFORMATION SUPPLIED BY IT OR ANY DATA INCLUDED THEREIN. MORNINGSTAR MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY BMO, ITS SHAREHOLDERS OR AFFILIATES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE SERVICES OR INFORMATION SUPPLIED BY MORNINGSTAR OR ANY DATA INCLUDED THEREIN. MORNINGSTAR MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR USE WITH 注册教育储蓄计划（RESP）ECT TO THE INFORMATION SUPPLIED BY MORNINGSTAR OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL MORNINGSTAR HAVE ANY LIABILITY FOR ANY SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES (INCLUDING LOST PROFITS), EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

Morningstar Equity Research reports, Morningstar Credit Research reports, Morningstar Canada Core Pick List, Morningstar Canada Income Pick List, as well as mutual fund and exchange traded fund (ETF（交易所买卖基金）) data and certain screening tools made available through InvestorLine website www.BMOinvestorline.com and Tablet app, are supplied by Morningstar. Morningstar和/或其许可人拥有这些资料、内容、数据和功能（统称为“信息”）的所有权利、所有权和权益。除非在单独协议中另有规定，否则在未经Morningstar书面许可的情况下，您不得：(i)在加拿大以外地区使用任何信息或将其用于个人非商业用途以外的用途，(ii)复制、转发、传播、出售、出版或广播任何信息；或(iii)将报告所含信息用于创制、推广、交易或营销投资产品。

本信息仅供参考，不应被视为针对任何证券的买卖诱导。本信息中包含的任何建议可能不适合所有用户。这些建议并未将单个用户的投资风险、回报目标、所受限制或个人情况考虑在内。晨星不对基于所提供之信息而采取行动所造成的后果承担任何责任。在此提供的意见随时可能发生变化，恕不另行通知。

Any credit ratings made available by Morningstar as part of the Information are produced by Morningstar Credit Ratings, LLC an NRSRO registered with the 美国 Securities and Exchange Commission and a wholly owned subsidiary of Morningstar, Inc. All Morningstar credit ratings and related analysis contained herein are (i) provided solely for information purposes and not as financial, investment, tax or other advice and (ii) solely statements of opinion and not statements of fact or recommendations to purchase, hold, or sell any securities or make any other investment decisions. For important information about the definitions, methodologies, disclaimers and disclosures related to Morningstar credit ratings, please visit our methodologies page. 请在了解和查阅网站之前发布的信息以及评级相关报告后，再结合考虑Morningstar信用评级和相关分析。

Trading Central:

© Trading Central。保留所有权利。 The information contained herein: (1) is proprietary to Trading Central and/or its content providers; (2) may not be copied or distributed; (3) is not warranted to be accurate, complete or timely; and, (4) does not constitute advice or a recommendation by BMO InvestorLine Inc., Trading Central or its content providers in respect of the investment in financial instruments. Neither BMO InvestorLine Inc. nor Trading Central nor its content providers are responsible for any damages or losses arising from any use of this information. 过往业绩不能保证未来可取得的结果。

价格、历史图表数据和基本公司数据由Morningstar Research Inc.提供

Technical Event® is a registered trademark of Trading Central.

Trading Central products and services are protected under 美国 Patent Nos.: 6,801,201; 7,469,226; 7,469,238; 7,835,966; and 7,853,506; and corresponding foreign patents.

London Stock Exchange Group (LSEG):

Market data is powered in whole or part by LSEG. Republication or redistribution of LSEG content, including by framing or similar means, is prohibited without the prior written consent of LSEG. LSEG is not liable for any errors or delays in LSEG content, or for any actions taken in reliance on such content. LSEG's logo is a trademark of LSEG and its affiliated companies. www.lseg.com.

OptionsPlay:

OptionsPlay is a financial technology provider that specializes in options trading education and automation technology. OptionsPlay is committed to delivering innovative solutions that enable our clients to achieve sustainable and responsible growth for over a decade across global equity markets. For more information, visit www.optionsplay.com

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. There is always the potential of losing money when you invest in securities or other financial products. Investors should consider their investment objectives and risks carefully before investing.

For ease of simplicity, all examples used on this website and in the videos exclude commissions, interest and dividend and other transaction fees, tax considerations, or margin requirements, which are factors that may significantly affect the economic consequences of trades illustrated. Please contact a tax advisor for the tax implications involved with trading specific spread types. Stock/Index/ETF（交易所买卖基金） and option symbols and price data shown are for illustrative purposes only.

The information contained on this site is provided for general informational purposes, as a convenience to clients. The materials are not a substitute for obtaining professional advice from a qualified person, firm, or corporation. Consult the appropriate professional advisor for more complete and current information. OptionsPlay is not engaged in rendering any legal or professional services by placing these general informational materials on this website. Learn more about OptionsPlay’s Terms of Use.

互联网电子邮件

BMO IL requires that clients use at least 128 bit encryption (and up to 256-bit encryption) when conducting financial transactions over the Internet. 此外，我们建议对通过互联网执行的所有非金融交易使用256位加密技术。 If you are a BMO IL client and wish to access your account through the Websites, ensure that you have a browser up to 256-bit encryption. 如果您的浏览器不支持该加密等级，您将可能在登录账户时看到“加密不足”的提示。

互联网并非安全媒介，如不使用加密技术，则无法保证您的隐私。互联网电子邮件易于遭到拦截和伪造。BMO IL cannot ensure the privacy and authenticity of any information you send to us or that we send to you over the Internet. BMO IL will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.

免责声明

From time to time, interruptions, errors or other deficiencies in service on the Websites may occur due to a variety of factors, some of which are outside the control of BMO IL and its affiliates, including without limitation, interruptions in the accessibility of the Internet, a system outage in facilities of a third party service provider, and market conditions that may result heavy demand or high volumes of trading activity. 您可能因服务延迟和错误或系统故障而难以访问您的账户并提交和取消订单。

Neither BMO IL nor its affiliates is liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with use of the software, systems, services or facilities used or made available on the Websites, or your ability to access or use the Websites, including but not limited to loss or damage resulting from failure of electronic or mechanical equipment or communications lines, the Internet, telephone, power failure, or third party system failure.

软件备份

尽管我们竭尽全力确保网站提供的所有软件适用于多种电脑系统，您仍应采取合理适当的预防措施扫描电脑病毒和其它具有破坏性的因素，确保软件与您的特定电脑系统兼容。此外，您还应确保在安装此类软件之前，为电脑系统中所包含的信息保存完整的最新备份。

互惠基金信息

有关网站上提及的互惠基金的重要信息包含在这些互惠基金的精简招股说明书内，您可以直接向相应的基金公司索取其副本，并应在投资之前仔细阅读。政府存款保险机构不对互惠基金证券提供担保或保障。单位价值和投资回报均存在波动性。就货币市场基金而言，收益率会不时波动，无法保证基金能够维持固定的资产净值。业绩数据仅代表过往业绩，并不能预示未来可取得的业绩。

隐私

All information you submit to BMO IL through the Websites may be used by BMO IL in accordance with the terms of our privacy code. 如需查看隐私规定，请点击位于网站页脚的“隐私”链接。

保护您的机密信息

任何行业都需要保护个人信息隐私；对金融服务业而言，这更是重中之重。 At BMO IL we value your privacy on the Internet and think you do too, and we feel you should know:

我们如何保护您的信息；
我们如何使用您在个人页面注册过程中向我们提供的信息；
您如何选择从我们的数据库中退出、更新或删除您的个人页面信息。

我们如何保护您的信息

When you sign into your BMO IL account your financial transactions and your Retirement Planner session are protected by 128-bit encryption. 当您创建个人页面或登录个人页面之后，根据您使用的浏览器类型，您的会话将受到40位或128位加密保护。

Encryption is a means of scrambling information for transmission, in this case, between your PC and BMO Bank of Montreal's computing systems. 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 IL and BMO Bank of Montreal require that our clients use 128-bit encryption when conducting financial transactions over the Internet. 此外，我们建议对通过互联网执行的所有非金融交易使用128位加密技术，例如在网站上使用个人页面专区。

我们如何使用您向我们提供的信息

Information you provide during the registration process for the Personal Page of the Website is collected and stored by BMO IL. The information you provide may be used:

向我们提供有助于确定相应的新功能、内容或服务的信息
To contact you, from time-to-time, to offer products and services from BMOIL that we feel you may be of interest to you.

您如何选择从我们的数据库中退出、更新或删除您的信息

If at the time of registration for the Personal Page, you had indicated that you would like us to send you updates on site developments or on new products and services, BMO IL may send you these updates by email or mail. 如果您在任何时候决定停止接收这些更新信息，或希望我们删除您的个人页面信息，只需在我们的工作时间（美国东部时间星期一至星期五上午8:00至下午8:00）致电1-888-776-6886与我们联系。

If you have any questions or concerns about how we protect your confidentiality, feel free to email us.

In addition, BMO IL also abides by BMO Bank of Montreal's Privacy Code.

对Cookies的使用

网站的某些页面使用“cookies”或信息跟踪技术。cookie是网站存放在电脑硬盘上的小型文本文件，此处专指前文定义的“网站”。cookies的用处在于存放cookies的网站能够对其进行读取。网站可随后显示您已经加以个性化的网页，并包含您希望看到的信息。例如，如果您曾经在互联网上订阅“股票观察名单”，则该信息可能通过使用cookie来显示。

BMO InvestorLine's use of cookies

BMO IL uses cookies in a number of locations. 例如，在您使用我们的股票筛选工具时，cookies可让您保存您的搜索结果。此外，我们还可能在促销电子邮件和网络广告中使用像素标签（也称为网络信标）和cookies。这类工具使我们能够衡量广告和促销活动的有效性，改进网站功能或安全性，并向您提供更加个性化的在线体验。

Cookies are widely used and most web browsers are configured to accept cookies automatically.您可通过在电脑浏览器中选择特定的“偏好”或“选项”，决定您的电脑是否接受以及如何接受cookie。不过，请注意您必须启用cookies，才能使用网站的某些功能，而且cookies无法捕获您电脑内存储的文件或数据。

Important notice: Certain cookies may collect personally identifiable information to determine who you are, or capture your e-mail address.如果您使用共享或公用电脑，请确保在会话结束后清除缓存。这能确保下一用户无法看见通过使用cookies存储的信息。

Trademarks Belonging to BMO IL, BMO Bank of Montreal or Other Entities

Certain names, graphics, logos, icons, designs, words, titles or phrases on the Websites may constitute trade names, trademarks or service marks of BMO IL, BMO Bank of Montreal or other entities. 商标可能在加拿大或其它国家注册（如适用）。在网站页面上显示商标并不表示授予任何许可。对于此处商标和/或内容的任何非授权下载、转传或其它方式的复制或修改可能违反联邦法或普通法、商标法和/或版权法，并导致违反者受到法律起诉。

TM -- BMO InvestorLine 5 Star Program, Intuition, Instabank EXTRA are trademarks of Bank of Montreal.

® -- BMO (M-bar roundel symbol), First Canadian, FirstBank, FirstBank Card, FundFinder, Instabank, InvestorLine, AccountLink, FundSolutions are registered trademarks of Bank of Montreal.

®* -- Bank of Montreal is a licensed user of the registered trademark and design owned by Mastercard International Inc., the INTERAC trademark of Interac Inc., and the Cirrus trademark of Cirrus System, Inc.

®? -- Microsoft, Windows, Windows NTN T, MSNM S N, The Microsoft Network and/or other Microsoft products are either trademarks or registered trademarks of Microsoft.

®** -- Apple, Mac, and Macintosh are trademarks of Apple Computer, Inc., registered in the 美国 and other countries.

BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates in providing wealth management products and services.

网站上提及的所有其它产品和服务商标均为其各自所有者的商标。全部 BMO IL trademarks used on the Websites are used under license.

Copyright BMO InvestorLine 2013

BMO IL either owns the intellectual property rights in the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on the Websites, or has obtained the permission of the owner of the intellectual property in such content to use the content on the Websites. You acknowledge that all information made available to you on the Websites is proprietary to BMO IL or to the appropriate information supplier and is protected by copyright law and other applicable intellectual property laws.

BMO IL grants to you its limited permission to display on your computer, print, download and use the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on the Websites, for non-commercial, personal, or educational purposes only, provided that:

a. you do not modify any such content, and
b. you include with and display on each copy of such content the associated copyright notice and this intellectual property notice.

不得用于其它目的。在不限制上述规定普遍性的情况下，您不可：

a. make any commercial use of such content;
b. use or permit anyone else to use such content for any unlawful or unauthorized purpose;
c. include such content in or with any product that you create or distribute; or
d. copy such content onto your or any other person's web page.
e. authorize or permit such content be reused or retransmitted without prior written approval of the source of such information or software.

Notwithstanding the above, nothing contained in this Section shall be construed as conferring any right or licence under any copyright of BMO IL or any other person who owns the copyright in content provided on the Websites.

采用适当防护措施

Your personal information is secure within BMO Financial Group, regardless of the format in which it is held. 我们实施了全面的安全控制措施，可防止对您的个人信息的未授权使用、访问、更改、复制、破坏、披露、遗失或盗窃。

我们对您的个人信息提供物理、电子和程序等方面的安全保障。 Examples of safeguards include restricted access to our information processing and storage areas, limited access to relevant information by authorized employees only, use of passwords, PINs and pass keys, firewalls and encryption of electronically transmitted information, and the use of secure locks on filing cabinets and doors.

我们与信用机构、信用保险机构、其它借贷机构和第三方服务提供商签订了协议并采取了控制措施，这些机构要求对我们提供的任何信息给予安全保障，并仅用于提供我们要求公司履行的服务。

Within BMO Financial Group websites, cookies or other information-tracking technologies may be used to improve the functionality or security of websites, or to provide you with a more customized online experience. 请注意，cookies无法捕获您电脑内存储的文件或数据。

关于资讯提醒的重要信息

The BMO InvestorLine Alerts service is a free computer online service that provides notifications to users of various customizable events, such as stock and news information ("Alerts").

订阅资讯提醒即表示您承认您已了解并同意遵守以下条款及条件：

隐私与安全

资讯提醒是通过互联网和无线网络发送的未加密“电子邮件”。由于资讯提醒是通过未加密方式发送，因此有可能被其他人看见。

关于财务事宜的特别警告。

在基于资讯提醒执行交易或其它事务之前，您应对资讯提醒所提供的信息进行核实。

发送能力

您须负责确认您的服务提供商是否支持文本短信，以及您的设备是否能够接收文本短信。

网络提供商费用

您须负责缴纳您的互联网和/或手机服务提供商征收的任何及所有费用。

无发送保证

我们不保证资讯提醒的发送或其内容准确性。鉴于可对您的手机服务提供商和互联网服务提供商造成影响的各种因素以及其它超出我们控制范围的因素，资讯提醒可能延迟或无法收到。

责任免除和赔偿

YOU AGREE NOT TO HOLD BMO IL 注册教育储蓄计划（RESP）ONSIBLE FOR ANY LOSSES OCCURRING FROM USE, OR FAILURE OF, THIS SERVICE. BMO IL PROVIDES ALERTS AS A CONVENIENCE TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS FOR INFORMATION PURPOSES ONLY, AND DOES NOT MAKE ANY WARRANTY AS TO THE RELIABILITY, ACCURACY OR TIMELINESS OF ALERTS, OR THAT ALERTS WILL BE PROVIDED UNINTERRUPTED OR ERROR-FREE.

BMO IL SHALL NOT BE LIABLE, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OF ALERTS, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION TO YOU, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY. YOU AGREE TO INDEMNIFY AND HOLD BMO IL, AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES, HARMLESS FROM ANY CLAIM OR DEMAND, INCLUDING REASONABLE ATTORNEYS' FEES, MADE BY ANY PARTY DUE TO OR ARISING OUT OF YOUR USE OF ALERTS.

关于在线互惠基金和互惠基金投资的重要法律声明：

过往业绩不能预示未来可取得的回报。 Mutual Fund unit/share values, yields and investment returns will fluctuate.The performance of a mutual fund over any previous period is not a guarantee of future results.本金值和单位价值/股价会随着市场状况变化而波动。当您兑现单位/股票时，您的最初投资可能高于或少于您的费用。
Read the prospectus of the fund you are buying.A prospectus must be sent to you when you make your first purchase of any fund.精简招股说明书包含基金目标、策略、风险以及基金经理向基金收取的费用等重要信息。请务必在您进行投资之前仔细阅读招股说明书，以确保基金目标和潜在风险符合您的目标和可接受的风险。互惠基金投资单位/股票不在加拿大存款保险公司（Canada Deposit Insurance Corporation）、Régie de l'Assurance-dépôts du Québec或满地可银行的承保范围内。
信息可靠性。BMO IL's Mutual Funds Online service is provided for information purposes only. 本文并非旨在提供法律、投资、会计或者税务等方面的建议，也不应作为这些方面的依据。如果您需要法律或投资建议，请向符合资质的专业人士寻求此类服务。 While the information supplied by Morningstar Canada and Chand Carmichael & Company are deemed to be reliable, BMO IL has not independently verified any such data and does not guarantee its accuracy or suitability for any purpose. 晨星评级由晨星加拿大提供，并由该公司独家负责。
Tax Implications.As a mutual fund investor, you may receive taxable distributions from your mutual funds.这些税务可能影响您通过投资可能实现的实际回报。 We at BMO IL do not offer tax advice except to say that you should consider the impact of taxes before you invest. 有关这方面的任何疑问，请咨询您的税务顾问。
销售收费、费用和业绩。BMOIL is not responsible for any information relating to the investment performance of a mutual fund such as ratings, rankings, quotations, analysis on rates of returns, volatility or any other measurement of performance as presented. 对任何互惠基金收取的管理费因基金和基金经理而异。虽然业绩数据通常会反映基金收费，但某些经理可能免除某段时期的部分费用。此类费用免除可能具有提高基金所公布回报的作用，并应在评估基金业绩时考虑在内。
Fund Registration.Not all mutual funds are registered for sale in all provinces.对于任何此类邀约或诱导未获授权的辖区，或对于任何向其做出此类邀约或诱导属于非法行为的个人，与互惠基金相关的任何通信均不构成由任何人做出的邀约或诱导。非加拿大居民的潜在投资者应向其理财顾问咨询，确认这些证券是否可在其辖区内合法出售。
Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments.Please read the prospectus of the mutual funds before investing, including the mutual funds in the model portfolios.互惠基金的收益没有保证，其价值变更频繁，历史业绩可能不会再重现。所示回报率为历史年度复合总回报率，其中包括单位价值和所有分红再投资的变化，而且未将账户销售、赎回、分配、其它收费或收入税等可能降低回报率的因素考虑在内。

站内电子快讯

InSite is published quarterly by BMO IL, and is distributed with BMO IL account statements. To tell us your story or to request additional copies of this issue, please send an email to: @BMOinvestorline.com.

Please send comments and suggestions to insite@BMOinvestorline.com or mail to: The Editor, BMO InvestorLine InSite, First Canadian Place, 100 King St. W., 41st Floor, Toronto, ON M5X 1H3.

本期电子快讯中的文章作为一般信息来源进行编制。这些文章并非旨在提供法律、投资、会计或者税务方面的建议，也不应作为这些方面的依据。如果需要法律和投资建议或其它专业协助，请向符合资质的专业人士寻求服务。本次网络广播所含内容基于被视为可靠的来源，但不保证其准确性。文章所表达的观点和所提供的信息完全来自作者本人。

互惠基金投资可能会产生佣金、尾随佣金、管理费和其它费用。请在进行投资之前阅读互惠基金的招股说明书，包括投资组合模型中的互惠基金在内。互惠基金的收益没有保证，其价值变更频繁，历史业绩可能不会再重现。所示回报率为历史年度复合总回报率，其中包括单位价值和所有分红再投资的变化，而且未将账户销售、赎回、分配、其它收费或收入税等可能降低回报率的因素考虑在内。

应用程序

As consideration for your continuing compliance with and agreement to be bound by the Terms and Additional Terms, we hereby grant and you hereby accept a limited, non-exclusive, non-transferable, non-assignable license to use the Applications (which shall include future updates made available to you from time to time, provided you understand that such updates may be subject to additional terms in respect of which you will be notified at the time such update is made available) to access your account(s) at BMO IL from your mobile device, subject to the Terms and Additional Terms.

如果您使用应用程序（“移动服务”）访问在线服务，将适用以下条款：

You must be a BMO IL client with a valid, active and funded BMO IL account in good standing. 您将无法通过应用程序访问您通过在线服务访问的所有相同服务、特点、功能、内容或信息（包括您的在线消息中心、通知、法律和隐私条款、链接、账单、对账单以及完整的交易和账户信息），而且您必须使用应用程序以外的技术定期访问在线服务，以便访问此类在线服务提供的服务、特点、功能、内容和信息。

You may only use the Applications on mobile devices that are authorized by BMO IL as being eligible to receive the Mobile Services.

您仅可在属于您的注册移动设备上，完全出于您个人的、私人性质的、非商业性的目的使用移动服务和应用程序。

您必须始终遵守（而且您对移动服务和应用程序的使用必须始终遵守）所有适用的法律和规章制度，包括但不限于适用的进出口管制法律和法规，并且不得在知情的情况下允许任何其他方将移动服务或应用程序用于任何非法目的或活动或与之有关联。在使用和/或分发应用程序有违当地法律、规则和/或法规的任何辖区或国家，应用程序并非用于供任何人分发或使用。您有责任遵守所有当地法律、规则和/或法规。

您只可出于访问移动服务的目的使用应用程序。

应用程序的使用许可仅根据本条款并出于在此规定的有限目的向您提供。

You will compensate BMO IL in respect of any damages suffered by BMO IL and any losses or liabilities incurred by BMO IL as a result of any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs, fees and expenses (including, without limitation, reasonable attorney fees and costs of any investigation) (collectively, the "Claims") from any third party in relation to any matters arising out of or in any connected with: (a) your use of the Mobile Services, (b) your breach of or failure to comply with any of the Terms or Additional Terms, (c) your failure to comply with any applicable laws, rules or regulations, and (d) any negligence, bad faith, fraud or willful misconduct by or on behalf of you.

您须自行承受使用移动服务（包括应用程序）的风险，并独自承担使用通过移动服务获得的任何数据、信息或服务以及可能导致的任何投资损失的责任。

移动服务旨在为您提供便利。

您必须始终遵守我们针对移动服务制定的所有技术和安全要求。

In the event that you fail to comply with the Terms or Additional Terms or your account(s) at BMO IL are closed, all rights granted to you in relation to the Applications and the Mobile Services shall immediately come to an end and you will immediately destroy all copies of the Applications.

您不得：

对应用程序的全部或任何部分，或是对向您提供访问权限、供您用于以其它方式访问和使用移动服务或执行应用程序维护的任何其它电脑软件进行变更、修改、调整或翻译；对任何功能进行复制、汇编、传播、逆向设计、拆分、反编译、禁用；提取应用程序或应用程序任何组件的源代码（完整或部分）；
将应用程序或其中任何组件合并成为任何其它程序，或基于应用程序的任何组件创建衍生产品；
使用全部或部分应用程序或任何相关的保密信息，创建功能与应用程序或其中任何部分相同的软件；
采用任何形式或通过任何方式对应用程序或移动服务进行许可、转授许可、出售、传播、广播、传输或分发；或向任何其他方转移、转让、篡改应用程序或移动服务（或其中任何部分或所含信息）、授予任何相关使用权或其它权利；
将应用程序或通过移动服务获得的信息复制到任何公共或公开网络；针对全部或部分应用程序或移动服务制作任何额外副本、或以任何方式进行复制；
对随附于应用程序或移动服务或其中包含的任何所有权声明或标签，包括版权声明或数据源属性进行删除或篡改；
以任何可能导致鼓励、诱发或实施任何非法或犯罪活动、或可能对任何人造成任何危害或伤害的方式使用应用程序或移动服务；
cause damage to any of the websites, servers, systems or equipment used in the provision of the Mobile Service by BMOIL or any other third party, and you may not access or attempt to access any user data or to penetrate any of the security measures relating to the Mobile Services; and will in all cases indemnify and hold harmless BMO IL and its affiliates from any and all Claims in respect thereof.

某些重要的条款及条件可能仅在您点击应用程序内的信息图标或链接时才会显示。您必须访问并阅读这些条款及条件。

可能无法在加拿大和美国境外的地区使用应用程序。您须负责缴纳由于您访问应用程序而被服务提供商收取的任何费用。

The Mobile Services may be adversely affected by the performance of and any outages on mobile device networks, or when you are not in an area of mobile coverage, or other factors beyond the control of BMO IL or any of its affiliates or any third party, and neither BMO IL nor its affiliates will be liable therefor.

电子邮件

电子邮件通信（包括随其传输的任何信息）仅供收件人使用，属于保密信息。如果您不是预定的收件人或不负责向预定的收件人分发信息，则严禁对本通信内容的任何部分进行查看、泄露、转换成硬拷贝、传播、复制或另加利用。

我们绝不会向您发送要求您提供个人或账户信息的电子邮件（即网络钓鱼）。 See email scams and "phishing" for more information. If you do receive such an email that appears to be from BMO IL, please contact us directly at 1 888 776-6886. 注意：您发送给我们的电子邮件未经过加密。请勿通过互联网电子邮件向我们发送任何个人信息（如：账号和/或密码）。

我们的电子邮件仅用作一般的信息来源。此类电子邮件并非旨在提供法律、投资、会计或者税务等方面的建议，也不应作为这些方面的依据。如果需要法律和投资建议或其它专业协助，请向符合资质的专业人士寻求服务。

网络广播

The opinions and views expressed in the webcast presentations are that of the speaker and not BMO IL. Any strategies discussed, including examples using actual securities and price data, are strictly for illustrative and educational purposes only and are not to be construed as an endorsement, recommendation, or solicitation to buy or sell securities. 过往业绩无法保证未来可取得的业绩。

这些演示中的陈述仅用作一般的信息来源。这些文章并非旨在提供法律、投资、会计或者税务方面的建议，也不应作为这些方面的依据。如果需要法律和投资建议或其它专业协助，请向符合资质的专业人士寻求服务。本次网络广播所含内容基于被视为可靠的来源，但不保证其准确性。

疑问或疑虑

如果您对任何服务或费用有任何疑问，我们很乐意为您答疑解惑。您可以：

Contact your local BMO InvestorLine office.

如果您仍然无法解决某个问题，您可以写信给：

President BMO InvestorLine Inc. P.O. Box 1, First Canadian Place Toronto, Ontario M5X 1A1

或者

Vice-Chairman Private Client Group P.O. Box 1, First Canadian Place Toronto, Ontario M5X 1A1

适用法律

上述条款和附加条款，包括有关您对网站、在线服务或应用程序的使用条款和附加条款，均应受您访问上述服务所在的加拿大辖区的法律以及适用的加拿大联邦法律的管辖，并按照相同法律加以诠释和执行。