Canada Deposit Insurance Corporation (CDIC)

Canada Deposit Insurance Corporation (CDIC) is a federal Crown corporation created by Parliament. CDIC insures Canadians’ savings in case their bank or other CDIC member institution fails or goes bankrupt. CDIC is NOT a bank. CDIC is NOT a private insurance company.

Eligible Bank of Montreal deposit instruments and/or products
The following instruments and/or products are eligible for deposit insurance from the CDIC, subject always to maximum coverage limitations as outlined in their brochure "Protecting Your Deposits" (PDF, 256K) and provided they:

• are in Canadian funds
• are payable in Canada and
• have a term of no more than five years

Note: The italicized deposits are no longer offered as new sales.

Chequing and / or Savings Accounts

• Bank of Montreal Group Retirement Savings Plan Savings Account
• BMO^® Mutual Funds Retirement Savings Plan Savings Account
• BMO Retirement Income Fund (RIF) Savings¹
• BMO RRSP Premium Rate Savings Account¹
• Interest Chequing Account
• Premium Rate Savings Account
• Smart Saver Account
• Primary Chequing Account
• BMO Mutual Funds Savings Account
• TFSA Savings Account
• RDSP Savings Account

• Deferred Profit Sharing Plan Savings Account
• First Canadian Investment Funds Retirement Savings Plan Savings Account
• Nova Scotia Home Ownership Savings Plan Savings Account
• Ontario Home Ownership Savings Plan Savings Account
• Registered Home Ownership Savings Plan Savings Account
• Special Retirement Account
• First Canadian Funds Savings Account
• BMO Super Daily Interest Retirement Account¹

Guaranteed Investment Certificates and Term Deposits¹

• BMO Guaranteed Investment Certificate (GIC)
• BMO Cashable RateRiser® GIC
• BMO RateRiser^® Plus GIC
• BMO RateRiser^® Max GIC
• BMO Retirement Income Fund Guaranteed Investment Certificate
• BMO Term Deposit Receipt²

• BMO Redeemable Retirement Term Deposit sold prior to November 4, 2002
• BMO Senior’s Choice Flexible Term Investment (Term Deposit Portion) sold prior to November 4, 2002
• BMO Smart Choice Flexible Term Investment (Term Deposit Portion) sold prior to November 4, 2002

Commercial Chequing and Savings Accounts

• Business (Current) Account
• Business Premium Rate Savings Account
• Community Account
• Client of Correspondents Account
• FirstBank Business Investment Account^®
• Treasury Account
• Vostro Account

• Chequable Savings
• FirstBank Plan^® for Small Business Account
• True Savings
• First Bank Commercial Overdraft Protection
• FirstBank Cash Management Account^®
• FirstBank Operating Account^®
• Instabanking^® Plan for Small Business Account
• Money Management Account

BMO InvestorLine^® Accounts

• BMO InvestorLine Investment Account with AccountLink^™ Service (chequing / savings account only)
• AccountLink^™ Account

BMO Nesbitt Burns^®†† Accounts

• Investor's Priority Account^™ (chequing / savings accounts only)
• Prime Access Account ^® (chequing / savings account only).
• Access Service^® (chequing / savings account only).
• Access Service Retirement Income Management Account^® (chequing / savings account only).

Sundry Items

• Mortgage Tax Account

Outstanding Payment Items

• Bank Drafts
• Certified Cheques
• Money Orders
• Official Cheques
• Suspense Accounts
• Unclaimed Cheques

Eligible Bank of Montreal Mortgage Corporation deposit instruments and / or products
The following instruments and/or products are eligible for deposit insurance from the CDIC, subject always to maximum coverage limitations as outlined in their brochure "Protecting Your Deposits" (PDF, 256K) and provided they:

• are in Canadian funds
• are payable in Canada and
• have a term of no more than five years

Guaranteed Investment Certificates (GICs)^1,2

• BMO Guaranteed Investment Certificate (GIC)³
• BMO AIR MILES^®† GIC
• BMO Cashable RateRiser^® GIC³
• BMO RateRiser^® Plus GIC³
• BMO RateRiser^® Max GIC³
• BMO Income Generator^™
• BMO S&P/TSX 60^®** Market Index GIC
• BMO S&P 500^®** Market Index GIC
• BMO G7 Market Index GIC
• BMO Dividend Fund Linked GIC
• BMO Return Enhancing GIC
• BMO Income Enriched GIC
• BMO Select GIC
• BMO Growth GIC
• BMO Top Performing Portfolio GIC
• BMO RateOptimizer^® Max GIC
• BMO RateOptimizer^® Plus GIC
• BMMC Retirement Income Fund Guaranteed Investment Certificate
• BMO Matchmaker Savings GIC
• BMO Short Term Investment Certificate (STIC)³
• BMO Redeemable Short Term Investment Certificate (R-STIC)³
• BMO Variable Rate GIC
• BMO Callable Equity Linked GIC

Term Investments - no longer offered for sale²

• BMO RateOptimizer GIC sold prior to December 1, 2005
• RateRiser GICs sold prior to April 26, 2001
• RateRiser RICs sold prior to April 26, 2001

Outstanding Payment Items

• Suspense Accounts

Eligible BMO Trust Company deposit instruments and/or products
The following instruments and/or products are eligible for deposit insurance from the CDIC, subject always to maximum coverage limitations as outlined in their brochure "Protecting Your Deposits" (PDF, 256K) and provided they:

• are in Canadian funds
• are payable in Canada and
• have a term of no more than five years

Outstanding cash balances of:

• Investment Administration Accounts
• Investment Management Accounts
• Trust Administration Accounts
• Estate Administration Accounts

Outstanding Payment Items:

• Drafts

Guaranteed Investment Certificates¹

• BMO Guaranteed Investment Certificate (GIC)
• BMO Cashable RateRiser^® GIC
• BMO RateRiser^® Plus GIC
• BMO RateRiser^® Max GIC

^™Trade-mark of Bank of Montreal.
^®Registered trade-mark of Bank of Montreal.
^™*Trade-mark of BMO Trust Company, issued by Bank of Montreal.
^®††Nesbitt Burns is a registered trade-mark of BMO Nesbitt Burns Corporation Limited, used under license
^®† Registered trade-mark of AIR MILES International Trading B.V. Used under license by LoyaltyOne Inc, and Bank of Montreal.
^®**“S&P” and “S&P 500” are trade-marks of The McGraw-Hill Companies, Inc. “TSX” is a trade-mark of TSX, Inc. These marks have been licensed for use by Bank of Montreal. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's or the Toronto Stock Exchange and neither party makes any representation regarding the advisability of investing in the Product.
¹This product and the product having the same name without the preface “BMO” are identical.
²There is both a RSP and a non-RSP version of each of the products listed
³These products are also available in BMO TFSA and RDSP plans.