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BMO PRIVACY CODE


OUR COMMITMENT TO YOU

We appreciate the opportunity to help you meet your financial goals. From the
day Bank of Montreal was founded in 1817, earning and keeping your trust has
been at the very core of our business. We are committed to respecting and
protecting the privacy and confidentiality of the personal information you have
entrusted to us.


OUR GLOBAL PRIVACY PRINCIPLES

Our Global Privacy Principles apply to all our dealings with you:

 * Accountability: We have policies and procedures governing how we manage
   personal information and a Chief Privacy Officer who oversees privacy
   governance.

 * customerexperience-icon-48x48
   
   Identifying purposes: We inform you of our reasons for collecting, using, and
   disclosing personal information.

 * goals-icon-48x48
   
   Consent: We obtain your consent to collect, use, or disclose personal
   information, unless otherwise authorized or required by applicable law.

 * coaching-icon-48x48
   
   Limiting collection: We limit the personal information we collect to the
   information necessary for our identified purposes.

 * portfolio-icon-48x48
   
   Limiting use, disclosure, and retention: We limit the use and disclosure of
   personal information, and only use and retain such information for the
   purposes for which it is collected unless you consent to other uses.

 * achievingtargets-icon-48x48
   
   Accuracy: We keep your personal information as accurate, complete, and up to
   date as needed for its use.

 * Safeguards: We maintain appropriate safeguards to protect personal
   information against loss and theft, as well as unauthorized access,
   disclosure, copying, use, or modification.

 * chat-icon-48x48
   
   Openness: We are open about how we manage your personal information, and we
   make our privacy notices and codes available.

 * fingerprint-icon-48x48
   
   Individual access: You may request access to your personal information and we
   will respond in accordance with applicable law.

 * enrollment-icon-48x48
   
   Challenging compliance: You can challenge our compliance with these
   principles.


PRIVACY CODES FOR OUR LOCATIONS

For more detailed information, please refer to the Privacy Code for our
locations:

Canada

US

EU and UK – Capital Markets

Hong Kong and Singapore

Mainland China



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