gZZbZci - BMO

1 BMOI nvest orLi ne Two- StepVeri cat ionAgr eement ThisBMOI nvest orLineTwo- StepVerif icati onAgreement( . Agreement . )ismadebetweentheCli entandBMOI nves tor Li usi nganypar toftheTwo-St epVer i fi cationser vice,t heClientExpresslyagr eestoandconsent stobeboundbyal loft heter msof thi ,pleasenot ethatthi smayaf fectyourabil it ytoconti nuetoaccessyourBMO Invest orLi neac- countordotransact ionsonl ine. 1. De ni ti onsofT. ermsi nthi sAgr eement . Acces sDevices meansanytel ephone, cel lul arphone, por tabl ephone, per sonalc omput er, int ell igentt ermi nalors imi lardevi ce, that t heCli entus estoac cesstheSer vices .. Acc ount meansaBMOI. nves tor Lineac count .. BMO meansBankofMont real .. BMOI. nves tor Line meansBMOI. nves tor LineI. nc. ,whi chi sas ubs idi aryofBMO.. Car rier meansamobi le, wir eles s,I. nter netorot herc ommuni cat ionss ervi cepr ovi der .. Cli ent meanst heappl icantorc o-appl icantwhoopenedanAc count.

2 Securi ti es inc ludes, wi t houtl imitat ion, shares,bonds ,debent ures,not es,warr ant s,ri ghts ,opti ons ,speci alwarrant s,i nst all ment sre- c eipt s,depos itrec eipt s,andsubsc ript ionrecei ptsandallot herins trumentscommonlyref erredt oasa sec urit y .. Ser vic es meanst heBMOI. nves tor LineI. nter nets ervi ceandt hei nfor mat ion, doc ument s,s oft war eandc ont entt her eof .. TSV and . Two- StepVer ifi cat ion meant hemul ti -st epver ifi cat ions ervi cedes cri bedi nthi sAgr eement . Tr ansacti ons inc ludes ,wit houtl imi tat ion, thepur chas eors aleof ,orot her wis edeal ingi nSec uri ti es, whet herornotonmar ginand whetherornotasashor tsal e. 2. TSVS. ervi ce a)TSVisanaut hent icationprocessusedtoveri fytheidenti tyoftheCli i entagreestoregis terandmaintaini ngoodor derall AccessDevi c estheClientusestoaccesstheServi ces,andagreestor eceivevoic emai l sand/ orelect roniccommuni c ati ons,inc luding, butnotli mited,toemai l sandSMSmes sages ,onregis teredAc ces sDevicesaspartoft heTSVs ervi i entalsoacknowledges andagreest hatanyi nformationitprovi desinconnectionwithTSVisac cur ate, compl et eandt rue.

3 B)TheCl i entacknowl edgesandagr eesthatiti ss olelyresponsi blefor :(i)safeguardingitsAccessDevicesandnotl eavingthem unat - tended,(i i)ensuri ngt hateachAc cessDeviceispr otectedbyauniquepas s wor dt hati snotobvious(f orinstancetheCl ientshoul dnot useas t reetaddress, dateorbi r thort elephonenumberasapas sword),(. ii i)safeguardings uc hpas swordsby , forinstance,notsharing them andnotstoringt hem inc losepr oximit ytoanAc cessDevi ceorwi t hanyi nf ormat i onaboutt heAccount ,t heSer vicesorTSV; (i v). ,changingeachAc c essDevi ce'spasswor donar egul arbasi storeducethepot ent ialforunauthorizeduse;and( v)notif yingBMOI n- vestor Lineimmedi atelyiftheCl i entbec omesawar eofanyunaut hori zedus eofapas swor dorofanAc cessDevi ce, orifapas swordor Ac c essDeviceislos tors t olen. c)TheCl i entac knowledgesandagr eesthattheCar rierforeac hoft heClient'sAcces sDevicesmayappl yc hargestoTSVc ommuni ca- tions,including,butnotli mi tedto,mes saging,downl oad,interconnec t ion,ac c ess,wi rel ess,landl i neoranyl ongdi stance, phoneor otherc malCarrierratesmayappl ytoanyTSVc ommuni cati ont hattheCl i entr eceivesors ends.

4 TheCl ientr epresents thatitistheaut hori zeduserofeac hAc cessDevicesi tregist er saspartofTSVandt hatitisauthor iz edt oi ncuranyc har gestheCar ri er impos esinc ientissolelyr esponsibleforpayingt hesec hargestot heCar ri erf oreac hofitsAc cessDevi c es. TheCl i entac knowledgesandagr eest hatthec har gesandanyl i mi t ationsonus eimpos edbyaCar ri err egardingtheus eofanAc c ess Devi ce,suchasdat ali mits,areout s i deofthec ont r olofBMOI nvestorLineandt hatt heClientwi llneedt oc ontactt heappl icableCarri - err egardingsuc hmatter nves t orLinewi l lnotappl yanyc har gesforTSV. 2 |BMOI. nves tor Li neT. wo- StepVer i c ati onAgr eement d)TheCl ientacknowl edgesandagr eesthatTSVispr ovidedonanASI SandASAVAI LABLEBASI Sandmaynotbeavai labledueto regularoremer genc ymaintenanc nadditi on,theCl i entac knowledgesandagreesthatTSVc ommuni cat ionswillonlybes entonc e, unlessClientasksf oracommuni cationt obere- sent,andt hatBMOI nvest orLinewil lnotbeliableforanydelaysorfail ur eswhatsoev- erintheCl ient'.

5 Srec ei ptorabilit yt oreceiveorrespondt oanyTSVc ommuni cati onasdeliver yi ssubjec ttomanyf actor sout si deof BMOI nvestorLine'scontr ol,including,wi t houtli mi tat ion, ef fect ivetransmiss ionbytheapplicableCarri erandabilit yoft heClientor Ac c es sDevicetor ecei veorr espondt oc ommuni cat ions. e). TheCl ientagr eest onotdamage, impai r,i nter fer ewi th, ordi sruptTSVoranyBMOI. nves tor Lines yst emsors ervi ces f)TheClientmaynotuns ubs cri befr om TSVcommunic ations .TheCl i entacknowledgesandagreesthattheCl ientmaynotbeabl eto accesst heirAccountandthatBMOI nvest orLi nemaynotproces sins truct ionsift heClientdoesnotrespondtoaTSVc ommunicat ion regar dingsuchinst ructi onsorTrans act ion. g)TheCl ientacknowledgesandagr eest hatBMOI nves t orLinewi l lnotbel iableforanylossordamager es ul ti ngfrom anyc aus eover whi chBMOI nvest orLinehasnoc ontroli nc l uding,butnotl imi t edt o, ac tsoromi ssi onsofs uppliers ,fai lureofelectr oni cormec hani- calequipmentorc ommuni cationli nes ,telephoneorot herinterconnec tproblems ,unauthorizedaccess,thef t,powerf ai lure,labour disputesorgovernmenti nterventi on, failuretoregisteranAc c essDevic eorthei nabil it ytor eceiveorrespondt ocommuni cati ons.

6 In noeventwi l lBMOI nvestorLinebel iablef oranys pecial,i ndirec t,i ncidentalorc onsequentialdamages , inc l udingwithoutl imitati on, lostrevenues,l ostprofi tsorlos sofpros pec ti veeconomi cadvant ageresulti ngf rom theuseofTSVeveni fBMOI nvestorLinewasad- visedofthepos si bil it yofs uchdamage, orf oranyc l aim byanyot herpar ty. 3. Pri vac yofPer sonalI. nfor mat ion TheCl i entacknowledgesandagr eest hatdat aobt ainedinconnec t ionwi thTSVi sdonesoinaccordanc ewi hBMO'. t sOnlineand MobilePrivacyPolicyandi ncl udesi nfor mationaboutt heClient'. sr egi steredAccessDevic es,suchas ,butnotlimi ted,t oemai lad- dres s,phonenumber ,IPaddress,geol oc ati on, operatingsys tem, browser,devicemodel,pres enc eofmal wareandCar r ierforeach AccessDevice,anddate, t ime,andc ont entofanyc ommuni cati onss entorr ec eivedinconnecti onwi thTSV. BMOI nves torLinemay usethisi nformationtoc ontac ttheCl ienti nconnec tionwithTSVandt opr ovi detheservi cestheCl i entr equest sortoot her wis eoper- at e,develop,andimpr oveitsservicest ot heCl i ent.

7 TheCli entacknowledgesandagr eesthatt heCarr ierforeac hofit sAc ces sDevic esmayalsoc ollec tinf ormati onaboutt heClientand t hatsuchcol lect ionwoul dbeout sideofBMOI nvest orLine'. scont rolandwouldbes ubjec ttotheappli cabl eCarr ier 'spol ici es. 4. Onl yAv ail abl eWher ePer mit tedbyL. aw TSVi sonl ypr ovi dedwher eper mit tedbyl aw. 5. Gener alPr ovi si ons a). TheCl ientac knowl edgesandagr eest hatBMOI. nves tor Linemaymodi fyordi scont inueTSVoranypar tofi tatanyt ime. b)ThisAgr eementisinadditiont oandnoti ns ubsti tuti onofanyot heragreementsbetweentheCli entandBMOI nvestor Line, inc lud- inganyagr eementsrelat ingtotheAc c ountortheServi sAgreementshal lprevai lintheeventofanyi nconsi stencybet ween thi sAgreementorotheragreementsbetweent heClientandBMOI nvestor Lineinconnecti onwithTSV. c )Thecondit ions ,rulesandregul ati onssetf ort hinanymanual s,mat eri als ,doc ument sori nst ruc tionsr elat ingt othi sAgr eements ent t otheCl ientf rom ti met oti mef or m par tofthi sAgreement.

8 D)TheClientmayc ont actaBMOI. nves tor Liner epr esent ati veoranadvi ceDi rec tinves tments pec ial istt ogetaddi ti onali nfor mat ion aboutTSV.