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For eligible US employees.

For eligible US employees. This overview provides highlights of BMO Financial Group s benefit plans. It does not provide every plan detail and does not create contractual rights. The plan documents that govern these plans provide full details. If there are any discrepancies between this booklet and the legal plan documents, the plan documents rule. BMO Financial Group reserves the right to suspend, amend or terminate any or all benefits, at any time. Page i Introducing your benefits What s inside About the BMO Benefits Program .. 1 Eligibility .. 1 Dependent Verification Requirement .. 2 Enrolling in benefits .. 3 Health and insurance 4 Medical .. 4 Dental .. 6 Vision .. 6 Health Savings Account .. 7 Health Care Flexible Spending Account.

Employees in Canada and US (on BMO Network) link if you are logged into the BMO Network for single sign-on access or click on the Employees in Canada and US (off BMO Network) link4 if you are accessing from a non-BMO network. 3. Then click the Enroll in your benefits coverage tile. 401(k) savings Automatic after 60-days, or make your

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