BMO InvestorLine 投資優惠線自管投資常見問題

BMO InvestorLine online investing service provides independent investors with excellent service and fast, efficient trade execution for a wide range of investments, including stocks, options, bonds, GICs and mutual funds. Our low 佣金 具有高度競爭力，且我們的客戶可享受每天24小時透過「自動電話交易服務系統」或網絡進行交易、獲取報價及賬戶資訊。 To further assist you, our BMO InvestorLine Representatives are available Monday to Friday from 8:00 a.m. to 6:00 p.m. ET. 我們向客戶提供進行自管投資決策所需的輔助工具；我們並不向客戶提供建議或推薦。

如果您需要投資建議， BMO 利時證券投資顧問 可以為您提供一系列投資產品與您需要的關係風格，以便建立適合您自己的金融策略。

您可 網上申請 to open any number of accounts at BMO InvestorLine, including: cash or margin investment accounts, self-directed 註冊退休儲蓄計劃（RRSP）s and RRIF賬戶s, locked-in retirement accounts (LIRAs), life income funds (LIFs) and locked-in retirement income funds (LRIFs) and RLIFs (Restricted Life Income funds) and RLSPs (Restricted Life Income Funds).

獲取開設賬戶申請很簡單， 您需要填寫客戶賬戶申請表，步驟如下： 您只要：

• 完成 網上申請。
• 從本網站上下載及列印 一份副本
• 看漲期權 1-888-776-6886 在營業時間內（星期一至星期五上午8:00至下午6:00）（ET）。
• Drop in to any BMO Bank of Montreal branch.

開設BMO InvestorLine 投資優惠線賬戶無最低金額要求。您的最初餘額可以是存入的資金、轉入的資金或兩者皆有。

BMO InvestorLine is a member of the 加拿大投資者保障基金（Canadian Investor Protection Fund，CIPF）. As such, clients' accounts at BMO InvestorLine are covered by CIPF up to $1,000,000. CIPF並不保障客戶因市值變化承受的損失。瀏覽CIPF以了解更多或 聯絡我們 索取宣傳冊以了解詳情。

For registered accounts such as an 註冊退休儲蓄計劃（RRSP） or Spouse/common-law 註冊退休儲蓄計劃（RRSP）, there is an annual administration fee of $100 for plans with assets less than $25,000. 對於資產高於$25,000者免收管理費。豁免自賬戶開設之日到12月31日間的管理費。

若非註冊賬戶每季度的餘額低於$15,000則收取$25加幣的管理費。或有稅項徵收。

• Clients who hold a RSP (including RRIF賬戶, LIRA, LIF, LRIF) with BMO InvestorLine and for clients that make two or more "commissionable trades" in 6 months.

• 非正式信託
• 賬戶開設還不足180天

• 在每年曆季度最後一天營業結束時「戶均賬戶餘額」低於$15,000時會收取費用。
• 「戶均賬戶餘額」指的是同一住址所有賬戶的平均賬戶權益，不包括豁免收費的賬戶。

BMO InvestorLine does not offer advice or recommendations through the Self-Directed service. 我們可透過 理財通 這項像虛擬投資顧問的服務來提供建議。有理財通您便可為您的投資組合獲得個性化投資建議。 This includes easy to understand ratings for all available stocks, Mutual Funds and 交易所買賣基金s. adviceDirect continuously monitors your portfolio ensuring you stay aligned with your personal investing style. 當您的投資組合資產配置、多元化或風險需要您加以關注時，它還會即時以公正立場給您作出買賣推薦。最後－理財通透過持照專屬投資專家團隊向您提供個人支援與指導。

相關費用由轉出機構收取且因機構不同或各異；賬戶類型及大小；賬戶持有投資賬戶類型；全部或部分轉賬；等等。或有其他費用產生，如現金轉賬時及投資變現時的佣金。具體請諮詢轉出機構以確定自己賬戶適用的轉賬費用。

您可在線上進行股票、期權、擔保投資存款證、固定入息和互惠基金下單。對於股票指令，您可以在兩個市場或以限價下達買入、賣出或賣出看跌指令。針對支援止蝕賣出指令下單類型的市場，您也可以進行止蝕賣出指令下單。

黃金

Exclusive access to the 5-star relationship team dedicated to serving 5-star members.

• Real time quotes
• BMO 活躍交易者
• Morningstar Economics/Equity/交易所買賣基金
• S&P（Standard & Poor's）
• BMO Capital Markets economics
• No annual registered account administration fee
• Transfer fee reimbursement from another institution
• Preferred interest rates for debit balances in margin accounts

白金

• Real time quotes
• 2級報價
• BMO Active Trader Pro
• Morningstar Economics/Equity/交易所買賣基金
• BMO Capital Markets economics
• S&P（Standard & Poor's）
• BMO 資本市場（Capital Market） 多倫多證券交易所（TSX） 60
• 否 註冊退休儲蓄計劃（RRSP）/RRIF賬戶 deregistration fees with assets in excess of $1 million CAD
• No fee for withdrawals under First-Time Home
• Buyers plan or Lifelong Learning plan

鑽石

• Real time quotes
• 2級報價
• BMO Active Trader Pro
• Morningstar Economics/Equity/交易所買賣基金
• BMO Capital Markets economics
• S&P（Standard & Poor's）
• BMO 資本市場（Capital Market） 多倫多證券交易所（TSX） 60
• 否 註冊退休儲蓄計劃（RRSP）/RRIF賬戶 deregistration fees with assets in excess of $1 million CAD
• No fee for withdrawals under First-Time Home Buyers’ plan or Lifelong Learning plan
• No cheque/paper statement replacement fees

Please contact a BMO InvestorLine representative at 1-888-776-6886.

在首次跟BMO InvestorLine 投資優惠線代表聯絡時，您將被要求提供下列資訊：

• 您作為遺囑執行人的姓名
• 您的地址與電話號碼
• 死者的死亡日期
• 死者持有賬戶數目
• 賬戶是註冊的還是非註冊的
• 每一賬戶的資產價值
• 死者是否立有遺囑
• 賬戶是否有指定受益人。受益人僅適用於定居於魁北克以外居民的註冊賬戶。

• 所有賬戶均將被凍結，任何人無權在這些賬戶內交易。
• 所有未執行交易指令均將被撤銷。
• 所有委託書、全權代理委託書或交易授權均將失效

我們將在72小時內將把其他指導意見及所需文件清單發送給您。

If you have any questions and/or concerns after receiving the checklist, please contact a BMO InvestorLine representative.

除了已介紹過的幫助您保護個人資訊及金融資訊的幾個功能外，我們的網站支援使用 128位加密的IE 5.5 及更高版本，以及網景瀏覽器7.0 及更高版本。

加密是一種打亂資訊次序以傳輸的方法，在本例中，即在您的個人電腦與銀行的計算系統之間的傳輸。加密的資訊在接收端收到後會進行解密（解碼）。

128位加密是當今北美市場因特網瀏覽器上可廣泛獲得的最強大最安全的加密形式。BMO Financial Group and BMO InvestorLine require that our clients use 128-bit encryption when conducting financial transactions over the Internet. We also recommend the use of 128-bit encryption for all nonfinancial transactions over the Internet, e.g., the use of BMO InvestorLine's Online Application.

In addition to data encryption, as a BMO InvestorLine client, you require both your account number and password to access your BMO InvestorLine account through this web site. 如果您仍然需要更多資訊，請瀏覽我們的 安全 頁面。

答案依您所用瀏覽器類型及版本不同而不同。您需要查看自己瀏覽器有關資訊安全的相應欄目以了解詳情。如果您未曾特地安裝過較強加密瀏覽器(128位），則很有可能您使用的就不是。如果您在試圖登入自己賬戶時收到「加密級別不夠」的訊息，則您就需要安裝具有強大加密功能的瀏覽器。

If you do not have a 128-bit encryption browser, you can download your preferred browser from the Microsoft site.

要保障您賬戶的安全性，以下幾點可供參考：

• 保密您的賬戶號碼及密碼，勿告訴任何人。
• 絕不在登入賬戶後讓電腦處於無人看管的狀態。
• 設定兩步驟驗證程序及提示問題可保護您的賬戶免遭盜用。兩步驟程序為您增添額外的保障，方法是透過將6位數的驗證代碼發送到您的手機來確認您的身分。當您無法使用電話時，可改為回答提示問題。
• 在您登出賬戶後，務必定要清除快取

一定要做到

• 使用6位密碼。避免使用生日、順序數字或任何可輕易猜到的組合
• 經常改變密碼
• 為不同系統使用不同密碼

切勿

• 使用朋友或親人的姓名、日曆日期或常用短語
• 使用您名字與首字母縮寫組合
• 把自己的密碼告訴別人
• 把自己的密碼寫在可輕易被人發現的地方，如您的桌面日曆上或您的鍵盤底下

您傳送給我們的訊息沒有加密。請勿透過互聯網電郵向我們發送任何個人資訊（例如：賬號、密碼）或財務資訊。 The security, integrity and privacy of any and all information exchanged between you and BMO InvestorLine via email cannot be guaranteed and any such information may be tampered with in transit by a third party.

In addition to personal and financial information, do not send us any trading instructions; as such, trading instructions via email cannot be accepted by BMO InvestorLine.

數字證書是在網上做開展業務或其他交易時證明一個網站為真實的電子「護照」。證書由認證權威（比如Entrust 與Verisign）發放。除了其他內容外，證書裡包含有認證機構的名稱、序列號、過期日期及數字簽名，因此接收人可以鑑別證書的真偽。在與一安全網站打交道時，您可透過點擊（或雙擊點擊）在瀏覽器底部上鎖的掛鎖鑑別數字證書真偽。

防火牆有助於約束您僅瀏覽那些獲得適當授權的網站。把防火墻想象為一個將可信環境（諸如企業或家庭網絡）與不可信環境（如互聯網）隔離開來的一堵虛擬墻，透過控制與調節兩個環境之間的通訊以便保護可信環境不受任何來自不可信環境一邊的危險活動損害（如病毒、蠕蟲或入侵攻擊）。

個人防火墻（有時稱為桌面防火墻）是一種用於幫助保護接入互聯網的單台電腦不受入侵者傷害的軟體應用。個人防火墻保護對於那些透過DSL、有線通或撥號上網的「始終在線」用戶很有用。通常與防病毒軟體相比，個人防火墻在後台運行，透過控制用戶電腦與互聯網雙向連結、過濾下行與上行數據以及就入侵企圖警示用戶來幫助保護系統完整性不受未授權瀏覽損害。

Windows 操作系統家族產品使用一種稱作「文件共享」功能，該功能允許網絡上的其他電腦瀏覽您的PC，甚至是透過互聯網瀏覽。微軟產品裡的「說明」將協助您取消該功能（點擊「開始」、「說明」，再選「索引」並輸入「取消文件夾或硬碟共享」以查看指示）。

北美證券交易所要求所有存取實時報價的個人均須填妥一份證券交易同意書。為了存取線上即時報價，您經要求而同意「證券交易同意書」內的「條款及細則」。同意書於資料發生錯誤時豁免「交易所」的法律責任，並從而預防即時報價的轉售與重新發佈。

BMO InvestorLine is requesting your consent on behalf of SunGard Market Data Services, our real-time quote provider and the following exchanges: The Canadian Exchange Group (Toronto Stock Exchange Inc. (多倫多證券交易所（TSX）) and the Canadian Venture Exchange Inc., Bourse de Montréal Inc. (Montreal Exchange (ME)), The New York Stock Exchange (NYSE), The Nasdaq Stock Market (NASDAQ) and The Options Price Reporting Authority (OPRA).

根據我們的要求，您需同意所有的證券交易同意書以獲得即時報價服務。同意書全文副本有PDF版本供您、檢視、列印或存檔。

• 「加拿大交易所集團」（110 KB - PDF）
• 「Bourse de Montréal Inc.（滿地可交易所）」（20 KB - PDF）
• 「紐約證券交易所」（27 KB - PDF）
• 納斯達克（93 KB - PDF）
• 「期權報價處」（98 KB - PDF）

註明：您將需要Adobe Acrobat Reader下載所有表格。

系統會提供您個別證券交易同意書並要求您贊同/同意每一份同意書。於同意所有同意書的同時，您可存取即時報價並於網上交易股票與期權。如果您不接受所有的證券交易同意書，將不能動用股本與期權的網上交易。進行審閱與同意的實際時間可為 5至20分鐘。

很遺憾地，若您不同意證券交易同意書條文，您將不能存取即時報價服務或股票與期權的網上交易。

即使您不交易期權，做為BMO InvestorLine 投資優惠線的一客戶，您已存取我們即時報價服務中部分服務的即時期權報價。為了使您服務不被中斷，您需要同意所有的證券交易同意書。

If you have any questions about Exchange Agreements, please contact a BMO InvestorLine representative at 1-888-776-6886 during our business hours from 8:00 a.m. - 6:00 p.m. ET, Monday to Friday or contact the individual exchanges directly at the following numbers:

加拿大交易所集團（CEG）
多倫多證券交易所（TSX）
1-888-873-8392
marketdata@tsx.ca

「Bourse de Montréal Inc.（滿地可交易所（ME））」
滿地可證券交易所（ME）
1-800-361-5353
info@boursedemontreal.com

紐約證券交易所（NYSE）
紐約證券交易所（NYSE）
1-212-656-3000
www.nyse.com

納斯達克股票市場 (NASDAQ)
NASDAQ
1-301-978-5307
MKDATASVC@nasdaq.com

「期權報價處（OPRA）」
「芝加哥期權交易所」
1-877-THE-CBOE
help@cboe.com

A Certified True Copy of a document or form is one that has been reviewed, validated, and stamped by an authorized BMO 價值。

To validate your document(s) or form(s) as a Certified True Copy, visit your local BMO branch and speak with an employee for assistance.

In Person: Present one piece of Canadian government-issued (federal, provincial, or territorial) photo ID at your local BMO branch to be validated as a Certified True Copy. Please note that provincial health cards are 不接受 as a valid form of Proof of Identification.

或者

or by mail: Provide copies of TWO documents, ONE from Group A and ONE from Group B.

我們將竭盡所能，迅速、有效、專業地解決您的問題或關切。

如何解決：

第1步 - 收集您的資訊，包括：

• 與您的詢問相關的支持性文件，特別注意發生日期；
• 當事員工姓名；
• 具體關切以及您要求我們採取何種措施。

第2步 - 與我們溝通

• 看漲期權 1-888-776-6886 與資深的客戶關係顧問洽談；或
• 發送電子郵件或信函給我們

如果您對解決方案不滿意，經理人員將會參與解決您的問題或關切。

第3步 - 交由上一級處理

如果您對經理人員在第2步中提出的解決方案不滿意：

• 經理人員會提出將所有相關詳情傳達給我們的「客戶關係管理中心」，或向您提供自行上報問題所需的聯絡資訊。
• 我們會在24小時以內答復您，並承諾按照時間表解決您的問題。如果我們無法聯絡到您本人，我們會發送一封確認信函以明確該項承諾。
• 如有延遲，我們的員工會定期為您提供最新進展。

沒問題，只需幾個簡單步驟便可在網上重新設定您的密碼：

請前往BMO InvestorLine 投資優惠線登入頁面

選擇忘記密碼（位於密碼欄位下方的登入方塊）

Enter your Client ID and follow next steps.

» START THE DEMO

If you don't see your new account added to your Client ID within 2-3 business days, please give us a call or send us a MyLink and we will add it for you.

Biometric login is a convenient form of authentication using either facial recognition or fingerprint reading technology – or both - to authenticate your identity when accessing a mobile app.

Biometric authentication process is a safe and convenient method of authenticating user identity - skipping the need for manual authentication via text messages or calls.

If you have multiple users accessing your device, we advise to you to not enable biometric login. Every person whose biometric credential is stored on your device can access your BMO App – potentially giving access to someone you didn’t intend to just like sharing a password.

We advise you to not enable Biometric Login for BMO Invest if other people’s faces and/or fingerprints are stored on your device.

No. You will bypass the MFA (multi-factor authentication) process if you choose to enable your biometric login.

If your Biometric Login credentials were stored in your lost phone, you can perform any of the following actions to invalidate them:

• Manually change your password associated with your account
• Call us at 1 888 776-6886 for assistance

Note: These actions will invalidate your biometric credentials and prompt you to set-up new credentials once you have gained access to your lost phone.

Yes. You will still need to use your password at every instance:

• After your password is changed.
• After a significant period of inactivity.
• After the passing of a certain period of time since your last biometric enrollment.

Yes, you can use your biometrics on multiple devices and with multiple Login IDs. However, a new enrollment will be needed for each device and ID.

You can easily make deposits/contributions and withdrawals online. Sign in and select Move Money from the top menu bar.

If you bank online with any other financial institution, you can set up BMO InvestorLine as a bill payee by entering your 8-digit BMO InvestorLine account number. You can then send funds from your bank account just as you would pay an online bill. 此項交易可能需要3-5個工作日。

• 依轉賬類型不同費用或不同。
• 下面為可能產生的一般費用（或在未行通知情況下變更）：

*註腳星號詳細資訊統一銷售稅（GST） (與 PST/QST, where applicable).

稅務後果

BMO InvestorLine is not responsible for any tax consequences that may result from the transfer of your account(s). 在提交轉賬申請前，請就可能產生的所有潛在稅務後果諮詢稅務專家。

您必須呈交轉賬授權表。登入您的賬戶後，從頂部的功能表中選擇轉移資金，我們的網站會引導您瞭解您的轉帳請求是否符合電子提交條件，或者需要手動填寫表格。

Transfer times vary depending on the institution and the investment types being transferred.下列為文件接收到後一般轉賬所需的時間：

Within BMO
BMO Nesbitt Burns: 1 to 2 weeks
BMO Bank of Montreal: Cash or mutual funds: 2 to 3 weeks
擔保投資存款證 (GICs): 4 to 6 weeks

轉賬網上通知（ATON）合資格機構
Brokers using ATON (Account Transfer Online Notification): 2 to 3 weeks 註腳星號，星號^**互惠基金轉賬所需時間可能長些。

Non-ATON (Institutions not on the ATON-Eligible list)
Non-ATON brokers: 3 to 4 weeks
GICs, Quebec savings bonds, mutual funds, and physical certificates may take longer
Pension transfers can take up to 8 weeks

我們建議使用快遞服務或快捷郵件寄出證券權證，一般大約需要2至3天。 Please retain a tracking number from the courier to monitor the status of the delivery.您也可以掛號郵件寄出，但郵寄時間較長，有可能會長達2星期。

請填寫並且提交一份正本 股票或債券轉移授權書 表格附上每份證券權證。

請將證券權證寄至：

Attn: BMO InvestorLine
First Canadian Place
100 King Street W, Floor B1
Toronto, Ontario, M5X 1H3

You can place equity, options, GICs, fixed income, 交易所買賣基金s, and mutual fund orders online. 對於股票指令，您可以在兩個市場或以限價下達買入、賣出或賣出看跌指令。針對支援止蝕賣出指令下單類型的市場，您也可以進行止蝕賣出指令下單。

是， BMO InvestorLine gives you flexibility when settling trades in your account. You have the option of settling the trade with either Canadian or US dollars on the order entry page.

If you choose to apply a different settlement currency from the market the security is traded, BMO InvestorLine will convert enough funds to cover the entire amount of the trade. Remember the Estimated Total Order Value is an approximation; the final exchange rate will be applied to your order at the end of the day when filled.

Please note that trades done in 註冊教育儲蓄計劃（RESP） Accounts can only be settled in Canadian dollars.

Sign in to BMO InvestorLine and select Recent Orders > Order Status Details below your Holdings summary on the Accounts page.

For Stocks, Corporate Bonds, 交易所買賣基金s, HISAs, GIC Purchases and GIC redemptions before 11:00 a.m. ET, the settlement guideline is the trade date plus 1 business day (T+1).

互惠基金的一般結算時間準則是交易日加1個工作日（T+1），但是可有例外情況。 To verify if a Mutual Fund settles on T+1 or T+2, utilize the Fundserv - Fund Profiles search function。

Sign in to BMO InvestorLine and select Documents > eDocuments below your account summary. You'll be redirected to the original site.

Sign in to BMO InvestorLine and select Documents > Document Upload below your account summary. Select the account the document applies to, select the document you wish to upload and click Upload.

在進行第一批交易時須先進行支付。 For margin accounts, please ensure that the amount required to meet BMO InvestorLine's prescribed margin requirement is in your account before making your first trade.

Here's how you can deposit funds into your BMO 所持有證券的價值而每日波動：

現金/保證金投資賬戶：
You can use the AccountLink^® service to deposit funds. AccountLink Service consists of your regular securities account at BMO InvestorLine and a BMO Bank of Montreal Canadian Dollar Chequing account and, if requested a US Dollar Chequing Account. AccountLink is a service that we include for all investment (non-registered) accounts at BMO InvestorLine. It is designed to give you quick and easy access to the cash in your investment account and to provide you with a convenient way to settle your trades.

You can contact us by phone and arrange for funds to be transferred from your BMO Bank of Montreal bank account or transfer funds between accounts online through BMO Bank of Montreal Online Banking.

您也可向我們郵寄支票。 Make sure your BMO InvestorLine account number is on the cheque. 請注意，您必須在進行交易前結算支票。

對於 註冊退休儲蓄計劃（RRSP） 賬戶：
You can contact us by phone and arrange for funds to be transferred from your BMO Bank of Montreal bank account or your BMO InvestorLine cash/margin investment account.

您也可向我們郵寄支票。 Make sure your BMO InvestorLine account number is on the cheque. 請注意，您必須在進行交易前結算支票。

Once your funds are in your BMO InvestorLine account, you can place a trade:

• 透過在網上登入您的賬戶，或
• by contacting a BMO InvestorLine representative at 1-888-776-6886 在營業時間內（星期一至星期五上午8:00至下午6:00）（ET）。

我們提供粉紅單（Pink Sheets）與美國場外交易議價板（OTC-BB）證券的網上報價及交易。請注意：這些證券不得在註冊賬戶中進行交易。由於這類市場的投機性本質，請注意投資有極高風險。

A market order is an order to buy/sell a security immediately. This type of order allows you to have the highest probability to execute your trade but does not guarantee the execution price.

例如：

I wish to buy/sell 100 shares of TTT but the price is moving so quickly that I don't know what number to decide on. Selecting a market order will allow you to execute the trade right away, however the price cannot be guaranteed as you are willing to accept any price in exchange for selling/buying the stock.

A limit order is an order to buy/sell a security at a specific price or better.

例如：

VYX is trading at $10.50. By placing a limit order to buy at $10, if the price were to fall, the order will accept $10 or lower for this purchase.

VYX is trading at $11. By Placing a limit order to sell at $15, the order will accept $15 or more for this sale.

Buying power is calculated by taking the total value of your account and then subtracting the margin requirement for all the securities in your account. Buying power reflects the intraday market movement of your investments including any orders that are filled. It is updated every five minutes during trading hours.

Yes, the buying power reflects the margin requirements for your securities including any order fills. This is updated every five minutes during the trading day and factors in market movements.

貨幣的買賣。將一種貨幣的金額交換為另一種貨幣的等值金額。

目前可買賣加拿大幣和美元貨幣。

所有賬戶都可進行外匯兌換，但RESP（註冊教育儲蓄計劃）賬戶除外。

外匯兌換可於星期一至星期五上午8:30至下午4:15進行。

外匯兌換率是根據加幣和美元的市場交易價值來訂定。

為了進行外匯交易，所有交易都要支付費用。

Another very important consideration for investors who make many trades for US-listed securities is the currency handling.

Registered accounts (excluding 註冊教育儲蓄計劃（RESP）s), as well as cash and margin accounts at BMO InvestorLine, allow you to hold US dollars and avoid making unnecessary foreign currency conversions. This could lead to significant savings for investors who make frequent trades on US stock exchanges.

BMO InvestorLine permits the following variety of investments in your 註冊退休儲蓄計劃（RRSP）:

• 現金
• 定期存款及每年收到擔保投資證利息，例如透過滿地可銀行發行的。
• 在加拿大股票交易所上市的企業股票與債券。
• 由加拿大政府發行或擔保的債券及信用債券。
• 通過省、市、國有公司發行的債券和債券。
• 本息分離息票債券
• 資產掛鉤票據
• 可以用於購買合格投資品的權利與認購權證
• 在加拿大以外地區指定股票交易所上市的股票
• Units of a Mutual Fund trust, such as those offered by BMO 互惠基金
• 持保看漲期權，買入認購期權及認沽期權，長期期權（LEAP）認購
• 抵押擔保證券
• 黃金與白銀證書

BMO InvestorLine does not allow the following investments in your 註冊退休儲蓄計劃（RRSP）:

• 員工購買股票選擇權
• 黃金、白銀和其他貴重金屬
• 商品期貨或合約
• 列表的個人財產，如藝術品和古董作品
• 寶石和其他珍貴的石玩
• 土地
• 債券發行人全資的附屬公司，而母公司的股份未在加拿大證券交易所上市
• 對您或您家人擁有的商業物業的抵押
• 小企業投資
• 未軋平的認沽與認購期權
• 股票僅在指定的外國證券交易所上市的公司之債券或信用債券，不論公司股票是否符合條件。

• A Registered Retirement Income Fund or RRIF賬戶 is an account that allows you to continue to hold funds from an 註冊退休儲蓄計劃（RRSP） in a tax-sheltered status after you turn 71.
• To learn more about RRIF賬戶s please click here

• A Life Income Fund or LIF is an account that allows you to hold locked-in retirement funds from a LIRA after the year which you turn 71.
• A LIF does not allow for any new tax-deductible contributions and requires a minimum amount to be withdrawn each year starting from the year you establish the LIF. There is a maximum limit for withdrawals from this plan. Withdrawal restrictions vary from province to province.

• The Canada Revenue Agency requires that all 註冊退休儲蓄計劃（RRSP）s and LIRAs be converted into a RRIF賬戶 or LIF account prior to the end of the calendar year in which the account holder turns 71. Converting your account today will ensure you continue to maintain full access and control of your account and avoid any unnecessary account restrictions.

• 您的 註冊退休儲蓄計劃（RRSP） or LIRA must be converted before the end of the calendar year in which you turn 71.
• Don't wait until you are 71 to start planning what you are going to do with your account - you will need some time to investigate your options. In fact, for those retiring early, you can start a RRIF賬戶 much earlier than age 71.

• To convert your 註冊退休儲蓄計劃（RRSP） to LIRA you must first open a new RRIF賬戶 or LIF account.
• You can start the process to convert your 註冊退休儲蓄計劃（RRSP） to a RRIF賬戶 or LIRA to a LIF by opening a new account online:

  • RRIF賬戶s can be opened by by clicking here
  • LIFs can be opened by by clicking here
• In addition to opening a new account you will also need to complete:

  • For LIFs and RRIF賬戶s, where Payment Information was not provided as part of the online application process, the Payment Information and Election to Use Spouse's Age form found here allows you to identify your payment preference and/or elect your spouse's age to use in the calculation of the yearly minimum payment.
  • For LIFs, the Addendum for Locked-in Pension Transfers to a Life Income Fund (LIF) found here which is required to confirm you agree with all the terms set forth by the province that your LIF is governed by.
    • Please note, the required addendum will vary by the jurisdiction (i.e., province or federal) in which the account is registered
  • 對於 RRIF賬戶S and LIFs, if you require a Trading Agent on your account, you must also complete the Authorized Trading Agent form. To include a Power of Attorney on your account, please call us or chat with us to learn more about what is required and how to add a Power of Attorney to your account
• Once your account has been opened, please call us to initiate the process to transfer your existing holdings and/or assets.

• No, there are no tax implications when a 註冊退休儲蓄計劃（RRSP） or LIRA is converted to a RRIF賬戶 and LIF. For specific tax advice and a detailed review of your circumstances, please speak with a professional tax advisor.

• RRIF賬戶s and LIFs require a minimum withdrawal each year as set forth by the Canada Revenue Agency
• Minimum withdrawal percentages can be found at the following links

  • RRIF賬戶s - click here
  • LIFs - click here
    • For LIFs, each province has its own specific minimum LIF withdrawal rate. This rate could differ from the Federal rate. Please visit the provincial website where your plan is registered to for more information and to confirm. If you are unsure or are having difficulties please call or chat with us

• To convert your account to a RRIF賬戶 or LIF there are no fees charged. For RRIF賬戶 and LIF accounts with holdings greater than $25,000 there are also no annual account administration fees charged. 對於 RRIF賬戶 and LIF accounts with less than $25,000, an account administration fee of $100 + applicable tax will be charged annually.

  • Did you know, that if you are a member of BMO InvestorLine’s 5 Star program there are no annual account administration fees associated with a RRIF賬戶 or LIF account

• There are no fees charged to your account if you are withdrawing the minimum or the elected payment you established for the current year. Any payment amounts above the minimum or elected payment will be subject to a de-registration fee of $50 + applicable tax.

您或許不是向自己的註冊退休儲蓄計劃（RRSP）供款而是選擇向配偶的註冊退休儲蓄計劃供款。可供款額依您的收入而非您的配偶的收入而定，而且供款額可在計算您的收入時加以扣除。供款將佔用您部分或全部供款額，從而為稅項原因減少向自己的註冊退休儲蓄計劃的供款。這一做法的原則性優勢在於分拆未來收入。如果您認為您配偶退休後在經過稅收抵免後的邊際稅率低於您自己的邊際稅率，則作為一個家庭單位，您與配偶各從自己的註冊退休儲蓄計劃（RRSP）獲取收入可降低整體退休稅負。

• To convert your Spousal 註冊退休儲蓄計劃（RRSP） you must first open a new Spousal RRIF賬戶。

  • 配偶 RRIF賬戶s can be opened by clicking here
    • Note: once you have completed the account opening process for your RRIF賬戶 please call or chat with us and provide us with the account number so we can update to a spousal account
  • In addition to opening a new account you will also need to complete:
    • For LIFs and RRIF賬戶s, where Payment Information was not provided as part of the online application process, the Payment Information and Election to Use Spouse's Age form found here allows you to identify your payment preference and/or elect your spouse's age to use in the calculation of the yearly minimum payment.
    • For LIFs, the Addendum for Locked-in Pension Transfers to a Life Income Fund (LIF) found here which is required to confirm you agree with all the terms set forth by the province that your LIF is governed by.
    • 對於 RRIF賬戶S and LIFs, if you require a Trading Agent on your account, you must also complete the Authorized Trading Agent form. To include a Power of Attorney on your account, please call us or chat with us to learn more about what is required and how to add a Power of Attorney to your account
• Once your account has been opened, please call us to initiate the process to transfer your existing holdings and/or assets.

Normally, a withdrawal by your spouse from his or her 註冊退休儲蓄計劃（RRSP） must be taken into the spouse's taxable income and is taxed at the spouse's marginal tax rate. However, there are a special set of rules known as "attribution" rules which provide that certain withdrawals from a spousal 註冊退休儲蓄計劃（RRSP） will be "attributed" back to the contributor of the funds. Essentially, any withdrawal from a spousal 註冊退休儲蓄計劃（RRSP） which has not yet matured will be attributed back to you if you have contributed to the spousal plan in the year of the withdrawal or the two preceding years.

一般說來，如果在提款時存在下列情形則歸屬規則將不適用：

• 您與配偶因婚姻破裂分居
• 您或您的配偶中的一位在納稅方面為非加拿大居民（或有非居民的代扣所得税方面問題需要解決。）
• your spouse transfers, in general terms, the 註冊退休儲蓄計劃（RRSP） assets to an RRIF賬戶 (and does not withdraw more than the prescribed minimum amount), or, transfers the 註冊退休儲蓄計劃（RRSP） assets to an annuity (which is not commuted for three years).

• To ensure your beneficiaries and successor annuitant are included on your new RRIF or LIF account please specify them when asked during the account application process. Beneficiaries and successors previously named on your RRSP or LIRA will not be automatically transferred or included on your RRIF or LIF

• If you require a Trading Agent on your account, you must also complete the Authorized Trading Agent form. To include a Power of Attorney on your account, please call us or chat with us to learn more about what is required and how to add a Power of Attorney to your account

• You can indicate the payment preference on your RRIF賬戶 or LIF during the account application process.
• If you require the payment amount and/or frequency to change at any point in the future, please complete and submit the Payment Information form. This form must be received and processed at least 11 business days before the next scheduled payment.

• Available options include annually, semi-annually, quarterly, monthly, or one-time payment within the calendar year. Regardless of the frequency selected, all payments will be made on the 10^th or 24^th of each month

• The payments (either minimum or elected) will start automatically in the year following that which your RRIF/LIF account was opened. The minimum payment amount is calculated based on your age as of December 31^stin the previous year.

• Yes, you can withdraw from your account in the same calendar year as it was opened or prior to your first payment. Note, for RRIF賬戶 accounts, there is no withholding tax on the minimum amount withdrawn, any amount above the minimum may be subject to 註冊退休儲蓄計劃（RRSP） withholding tax rules. For LIFs, please call or chat with us for assistance with determining how much can be withdrawn. Please speak with a professional tax advisor to review your circumstances further.

• Yes, you can withdraw amounts above the minimum for both a RRIF賬戶 and LIF. For a LIF there is a maximum amount you are eligible to withdraw while for a RRIF賬戶 there is no applicable maximum. Please call or chat with us for assistance with determining the maximum amount which can be withdrawn.

• Prior to converting your account, we ask that all existing orders in your RRSP or LIRA are cancelled so that all your assets can be moved into your RRIF/LIF.

• Once your account has been opened, please call us to initiate the process to transfer your existing holdings and/or assets

• Yes! If you have other RRIF, RRSP, LIRA or LIF accounts you can consolidate them into a single account as long as the accountholder(s) information matches.

• You can access details including the amount, frequency, start date, minimum calculated payment, elected annual payment and year-end value, online through your account. Simply log-in to your account, navigate to the "Move Money" tab. From here, go to "Manage accounts" and you will be able to see the desired details.

• 設立限制性人壽入息基金（RLIF）的目的在於從接收從在2008年5月8日後簽訂的人壽入息基金、鎖定退休儲蓄計劃（RSP），或在某些情況下年金福利信貸轉移過來的鎖定資產。在他們年滿55歲時，或其後任何一年中，他們將獲準通過將限制性人壽入息基金（RLIF）多達50%的價值轉入非鎖定退休儲蓄計劃（RSP）或退休收入基金賬戶（RRIF）實現資產『解鎖』，但這種操作需要在限制性人壽入息基金成立60天內完成。

對於那些希望將限制性人壽入息基金（RLIF）資產轉回鎖定計劃的人士，限制性鎖定儲蓄計劃（RLSP）可接收來自限制性人壽入息基金計劃的轉賬。有些人或許希望因為當時並不需要穩定退休收入而進行這種轉賬操作。

年金是一種通常由保險公司提供的投資工具，其目的在於在一個特定時期內定期向持有人提供款項。

年金利率隨著利率波動而且通常在利率處於歷史高位時購買年金最合算。如果您在利率處於低位時買入一份年金，您可能發現您的收入不能滿足退休生活。

年金為無靈活性的投資，一旦買入就不能退出。

沒有。只要此前一年收入達到合格標準且擁有註冊本計劃的社會保險號就可，沒有最低年齡限制。

不過，由於證券交易的契約性質，BMO InvestorLine 投資優惠線的自管註冊退休儲蓄計劃（RRSP）要求參與者年齡至少達到18歲。未達法定年齡的個人可在滿地可銀行開設註冊退休儲蓄計劃（RRSP）以投資擔保投資存款證（GIC）。

目前，在此前一年至少滿18歲的個體獲準向其註冊退休儲蓄計劃（RRSP）超額供款多達$2,000加幣而不必承擔月度1%的税款滞纳罚金。您的超額供款部分不能在供款當年的稅務年度中申請減免稅款，不過您可以等到在來年中新的註冊退休儲蓄計劃（RRSP）額度出現時在該年度申請減免超額供款部分的稅額。

註：截至1995年2月26日的超額供款超過$2,000加幣的計劃持有人，過渡規則允許保留超額部分並在未來有可用註冊退休儲蓄計劃供款額度（最多不超過$6,000)加幣）時加以減免而不是強制立即將超額部分提取出來。

A beneficiary is an individual or entity that is designated to receive the proceeds of an account upon the death of the account holder.

A contingent beneficiary is an individual that’s designated to receive the proceeds of an account if the beneficiary has predeceased or does not accept.

對於 註冊退休儲蓄計劃（RRSP） accounts, anyone can be named as beneficiary, however, only “qualified beneficiaries” are eligible for tax deferrals upon death of the account holder.

Qualified beneficiaries may be eligible to defer taxes by transferring the 註冊退休儲蓄計劃（RRSP） to their personal registered account(s), including their own 註冊退休儲蓄計劃（RRSP） 或 RRIF賬戶. For example, they can transfer the funds to their own 註冊退休儲蓄計劃（RRSP） 或 RRIF賬戶 without having to pay immediate taxes. This implies that the transferred amount will continue to grow tax-deferred until it is withdrawn, at which point it will be taxed as income.

A qualified beneficiary can be:

1. A spouse or common-law partner;
2. A financially dependent child or grandchild (under 18); or
3. A physically or mentally impaired child or grandchild.

For additional information, please consult with a professional tax advisor.

A successor annuitant is an individual who can take ownership of the account (i.e.,RRIF賬戶) and its assets as-is upon the death of the account holder without the need to transfer or sell any securities or funds to settle the account.

A successor holder is a spouse or common-law partner named to acquire all the rights as the account holder of a TFSA upon the death of the original account holder. The TFSA will continue in the spouse or common-law partner's name.

The successor annuitant can assume the account (i.e.,RRIF賬戶) and elect to continue receiving payments, and revoke or change the designation of beneficiaries after the account holder's death. The successor annuitant has the option to receive payments automatically.

The successor holder will acquire all the rights under the account (i.e.,TFSA) and continue the account in their own name without re-registration. The successor holder cannot manage, withdraw, or change the account without taking over the account after the death of the original account holder.

Designated beneficiary(ies) receive the proceeds of an account upon the death of the account holder.

Anyone can be designated as a beneficiary. This includes, but is not limited to, a spouse or common-law partner, a child or grandchild, a close friend or relative etc.

A successor holder can only be a spouse or common-law partner.

Only a spouse or common-law partner is eligible to be named as successor annuitant for an account.

Beneficiary and successor designations vary depending on the type of registered investment account. Review the following summary of how these designations apply:

Note: beneficiary refers to beneficiary for estates purposes. The beneficiaries for 註冊教育儲蓄計劃（RESP） accounts are treated separately and different rules may apply depending on the nature of the account.

Non-Registered accounts, like cash and margin accounts, do not typically offer beneficiary designations because the assets in non-registered accounts must go through the estate process. During this process, assets are distributed according to the account holder's will or provincial succession laws, ensuring all debts and taxes are settled before being distributed to heirs.

Beneficiaries can not be designated and are not applicable in the following situations:

• Where the law of Quebec applies
• 非註冊賬戶
• Certain trust accounts that require the distribution of assets
• 企業賬戶

Naming or designating a beneficiary on your account can help with:

• Ensuring proceeds are paid directly to the beneficiary, bypassing the estate settlement process.
• Deferring tax requirements on the account proceeds
• Annuity settlement options, providing scheduled payment for beneficiaries and quicker access to funds.
• Avoiding disputes and undue stress.
• Easing the burden on your executor and reducing risks.
• Reduce the time spent or bypass the probate process completely, saving time and cost.

Naming a successor holder on a TFSA has several advantages:

• Income earned in the TFSA account before and after the account holder’s death remains exempt from taxes.
• The successor holder gains full ownership of the TFSA account after the account holder’s passing.
• The successor holder is not required to fully transfer the funds out of the account.
• 投資組合內持有的 TFSA contribution room of the successor holder remains unaffected.

Designating a successor annuitant can assist with:

• Allowing the successor annuitant to take full ownership as-is or transfer to their personal account.
• Avoiding probate and the need to wait for the full estate settlement.
• Saving on legal fees and deferring taxes.
• Saving time and reducing stress for loved ones.

When naming a beneficiary, consider the following:

• Different account types (e.g., 註冊退休儲蓄計劃（RRSP）, TFSA, RRIF賬戶) have specific rules and regulations regarding beneficiary designations.
• Provincial and/or federal laws (i.e., where the law of Quebec applies, designating a beneficiary is not applicable).
• The current financial situation of the individual(s) you are designating as a beneficiary(ies), including potential tax implications.
• Identifying how account proceeds should be divided among the beneficiaries if more than one.
• Naming contingent beneficiaries.
• Planning for regular review and update of beneficiary designations to reflect important life milestones or changes.

If you name a beneficiary and do not name a successor holder (i.e., for a TFSA) or successor annuitant (i.e., for a RRIF賬戶), the assets in your account will be transferred to the beneficiary’s account but may be subject to tax.

If you name a successor holder (for TFSA) or successor annuitant (for RRIF賬戶) but do not name a beneficiary, the successor will take over your account upon death.

• 對於 TFSAs, the account may keep its tax-free status without affecting their TFSA contribution room.
• 對於 RRIF賬戶s, the account will continue maintain its tax-deferred status, and taxes on withdrawals are deferred until they are withdrawn by the successor.

If you appoint a spouse or common law as a beneficiary, your account will be closed upon your death, and the assets will be transferred directly to them. The beneficiary will not have the ability to take ownership of the account directly, nor will they be able to manage or change beneficiaries for the account. Instead, the assets will be transferred into an account in the beneficiary's name, and they will have full control over the assets at that point, including the ability to manage, transfer, or withdraw them according to their own preferences.

If you appoint a spouse or common-law partner as both the successor holder or annuitant and beneficiary of an account, the successor designation takes precedence, and the individual will have ability to assume the account as-is.

If you do not designate a beneficiary for your RRSP, the assets of your RRSP will be included in your estate and distributed according to your will. If you have a will that specifies beneficiaries for your RRSP, the assets will be distributed as outlined in the will. However, the RRSP value will be considered as part of your estate and may be subject to taxes and potential probate fees. Additionally, the value of the account will be included in the final annual income of the account holder and may be subject to income taxes, unless it qualifies for a rollover to the surviving beneficiary.

If no successor holder or beneficiary is designated in your TFSA or will, the TFSA holdings will be directed to the deceased holder’s estate and distributed in accordance with the terms of the deceased holder’s will or provincial laws, whichever is applicable.

When a non-qualified beneficiary is designated in an RRSP, the value of the RRSP is included in the account holder's final income tax return. This means the account holder's estate will pay taxes on the value of the account and beneficiary will receive the remaining amount after taxes.

For additional information, please consult with a professional tax advisor.

If someone other than your spouse or common-law partner is named as the beneficiary of your TFSA, the TFSA will not automatically transfer to the beneficiary. Instead, the TFSA will be included in your estate and will be subject to probate. The fair market value of the TFSA at the time of your death will be considered as part of your estate, and the beneficiary will receive the value of the TFSA. This means that the assets transferred may be subject to tax on any income or gains earned after the account holder's passing.

For TFSAs, the successor holder takes precedence and will become the new account holder after the passing of the original account holder. The TFSA will continue to be managed as it was before the passing of the original account holder, but in the name of the successor holder. In case the successor holder is not available to assume the account, beneficiary designation(s) will apply.

For RRIFs, the successor annuitant takes precedence, and they will take control of the account. This means, the successor annuitant will have access to manage the account. In case the successor annuitant is not available to assume the account, the beneficiary designation will apply.

To designate beneficiaries on your account, you can designate up to three (3) beneficiaries and/or three (3) contingent beneficiaries per form. If you require more than three (3) beneficiaries and/or contingent beneficiaries, you can do so by completing multiple forms.

When multiple beneficiaries are designated, you also can allot specific percentages, if they add up to 100% of the proceeds, to each beneficiary.

Note: there is no limit to the number of beneficiaries you can designate on your account.

Upon the owner's death, the beneficiary of the TFSA account will receive the funds from the owner's TFSA account tax-free. However, any income earned in the deceased account holder's TFSA after death is subject to taxes. Lastly, the assets do not have to be transferred to another TFSA account, but if they are, the owner's TFSA account will be closed.

After the account holder passes away, the successor annuitant has the option to:

• Receive the entire balance of the account as a lump sum payment, taxed as income in the year it is received.
• Elect to receive periodic payment over a specified period, including minimum annual withdrawal requirements.
• Transfer the funds to their own RRIF賬戶 or roll the RRIF賬戶 investments into their 註冊退休儲蓄計劃（RRSP） without affecting their contribution room and annual minimum withdrawals.
• Defer receiving funds until a later date, depending on the specific terms of the account. This may include continuing the RRIF賬戶 in the Successor Annuitant’s name.

The beneficiary designation of an account does not automatically transfer to another account. You are required to make your designation again when assets are transferred from 註冊退休儲蓄計劃（RRSP） 或 鎖定退休賬戶（LIRA） 賬戶。

Probate is the legal process of validating and distributing the assets of a deceased person. This often involves validating the authenticity of the will in court, paying debts and taxes, locating, and transferring the assets to the beneficiaries. Typically, assets with named beneficiaries bypass the probate process, allowing for a quicker, stress free, and more direct transfer.

You don’t have to wait until your elder years or if you are faced with a life-changing event to start your estate and legacy planning.

It is essential to update your plans when significant events, such as marriage, divorce, the birth of a child, or death of a close relative occur.

For registered accounts, you can view the beneficiary/successor designations for your account on your monthly account statements under the section "Individuals related to your account". If the beneficiary/successor information for your account was recently updated, this will reflect on the next monthly statement cycle.

To add or remove a beneficiary/successor from your account, please complete and submit the “TFSA Beneficiary Designation and Successor Holder“ for TFSA accounts or the “Beneficiary Designation and Successor Annuitant” form for all other applicable registered accounts.

These forms can be found in the Forms Library by selecting “Add someone to my account” from the “I’m trying to” dropdown.

Once completed, these forms can be submitted 或 。

Note: any new submissions of the beneficiary/successor forms will overwrite the existing designations in place.

A Dividend Reinvestment Plan, also known as DRIP, allows you to automatically purchase additional shares or units of a security from the cash dividends paid on eligible securities without incurring commission costs.

The program is usually directly managed by the company or treasury agent and is commonly referred to as Treasury DRIP.

For some securities, which do not participate in a Treasury DRIP program, certain brokers may purchase shares in the market directly using the cash proceeds of the dividend payment. This is commonly known as Synthetic or Artificial DRIP.

BMO InvestorLine’s DRIP program only makes eligible securities which participate in a Treasury DRIP program.

BMO InvestorLine facilitates the automatic reinvestment of dividends into additional stocks or trust units for eligible Canadian issuers that offer a dividend reinvestment program.

Eligible stocks or trust units are deposited into your account upon receipt from the Canadian Depository for Securities (CDS). These securities will automatically appear in your account between 2 to 4 weeks from the dividend payment date.

To enroll your account or securities or change your current enrollment, log-in to your account on BMO Invest App or the BMO InvestorLine website and chat with us.

Note: The BMO InvestorLine Dividend Reinvestement Plan is only available to residents of Canada.

BMO InvestorLine’s Dividend Reinvestment Plan is available only for a select number of Canadian securities. You can review which securities are eligible by searching for the desired ticker. If you are unable to locate or have additional questions on a particular security please contact us to confirm a particular security’s eligibility.

Note: changes to the eligibility, whether removal or addition of a security, can be made without notice.

There are two options available for enrolling in the DRIP plan:

1. You can enroll at the individual security level where eligible.
2. You can enroll all eligible securities at the account level. This enrolls all current (and future) eligible securities in the plan

To enroll your account or securities or change your current enrollment, log-in to your account on BMO Invest App or the BMO InvestorLine website and chat with us.

Reinvested shares will appear in your account automatically upon receipt from the Canadian Depository for Securities. This can take between 2 to 4 weeks from the dividend payment date to be received.

Details, including the number, the price reinvested at, and the date of the shares received can be viewed by logging in to your BMO InvestorLine account on the BMO Invest app or through web browser and navigating to your Transaction History.

Any distributions which are eligible and reinvested will show under the column "Type" as "Reinvestment".

If cash from your dividend is not enough to purchase one full share(s), your account will be credited with the cash dividend amount.

There is no cost to enroll or make changes once enrolled in the DRIP.

For eligible shares received through the DRIP program, it can take between 2 to 4 weeks from the dividend payment date to be received from the Canadian Depository for Securities (CDS) and be deposited into your account.

In case a security is no longer eligible for the Dividend Reinvestment Plan, no changes are required on your part, any future dividends received will be automatically deposited in your account in cash.

Note: changes to eligibility for DRIP, whether removal or addition of a security, can be made without notice.

Withdrawals from a 註冊教育儲蓄計劃（RESP） account can be for education or non-education purposes:

• Education withdrawals: If the beneficiary is attending school and wishes to withdraw funds for education related expenses including but not limited to tuition, book & supplies, they can request either an Education Assistance Payment or a Post-Secondary Education (Capital) withdrawal.
• Non-education withdrawals: If the plan beneficiary does not pursue post-secondary education, different options are available to utilize the funds in the 註冊教育儲蓄計劃（RESP） account including Capital withdrawal, Accumulated Income Payments (AIP) and 註冊退休儲蓄計劃（RRSP） rollover.

Education Assistance Payments are used to finance eligible expenses associated with a beneficiary's post-secondary education. They are comprised of grants and/or income within the 註冊教育儲蓄計劃（RESP）。

The maximum EAP available for the first 13-weeks of post-secondary school enrollment is $8,000 for full-time studies and $4,000 for part-time studies.

EAP is a taxable payment and a T4A tax slip will be issued to the beneficiary for the payment amount. For Quebec residents, an additional tax slip, Releve 1 will also be issued.

To request an 教育補助支付（EAP）, please complete the following RESP withdrawal form and return it to BMO InvestorLine, along with a for the beneficiary. Documents can be submitted 或 。

Post-Secondary Education Capital withdrawals can be made for any reason and be paid to the plan subscriber, beneficiary, or education institution to finance eligible expenses associated with a beneficiary's post-secondary education.

These withdrawals are comprised of the capital/contributions made to the account and are non-taxable.

To request an PSE withdrawal, please complete following RESP withdrawal form and return it, along with a for the beneficiary to BMO InvestorLine. Documents can be submitted 或 。

If the beneficiary decides not to pursue post-secondary education, the accumulated income or earnings in the 註冊教育儲蓄計劃（RESP） may be eligible for withdrawal by the subscriber, subject to certain conditions.

To know more about eligibility for AIPs and any applicable taxation, please review the following terms or consult with a tax advisor.

To request an AIP, please complete following RESP withdrawal form and return it to BMO InvestorLine. Documents can be submitted 或 。

The subscriber of the 註冊教育儲蓄計劃（RESP） plan may be eligible to reduce the amount of tax payable on AIPs, up to a maximum of $50,000, by contributing to their 註冊退休儲蓄計劃（RRSP） account. Contribution amounts are subject to available contribution limits in the individuals 註冊退休儲蓄計劃（RRSP）。

To learn more about the eligibility of 註冊退休儲蓄計劃（RRSP） Rollovers, please review the following terms.

To request a 註冊退休儲蓄計劃（RRSP） rollover, please complete following RESP withdrawal form and return it along with a completed CRA form #T1171 to BMO InvestorLine. Documents can be submitted 或 。

If the 註冊教育儲蓄計劃（RESP） beneficiary(s) decide to not pursue post-secondary education, the contributions made by the plan subscriber can be returned. The returnable amounts are subject to repayment of any matching grants received in the plan.

To request a Capital withdrawal, please complete following RESP withdrawal form and return it to BMO InvestorLine. Documents can be submitted 或 。

Currently, the portions of the 註冊教育儲蓄計劃（RESP） account which are considered capital, income and/or grant are not viewable online.

To obtain a breakdown of your account balances including what portion is capital, income and/or grant, log-in to your account on BMO Invest App or the BMO InvestorLine website and chat with us or contact us.

Education Assistance Payments and Post-Secondary Education Capital (PSE) Withdrawals require proof of enrollment in a qualifying program.

To satisfy this requirement official documentation must be provided which uses the educational institution's letterhead or be readily identifiable as a document reproduced from the institution's secure student website. Examples include an enrolment letter, course confirmation, receipted invoice, tuition statement or any combination of these documents.

Letter of acceptance, offer of admission, and unpaid invoice are not acceptable for proof of enrolment. The student's ceased/last date of enrolment indicated on the proof of enrolment must be within six-months from the date an EAP is requested.

Note: Letters provided must be signed and certified by the Office of the Registrar or department head. If a tuition statement is provided, proof of payment must be shown on the statement.

For family plans, you may be eligible to share grants and income across plan beneficiaries. This is subject to each beneficiary's maximum lifetime amounts.

For individual plans, any applicable grants held in the account would be returned to the government.

If none of the plan beneficiaries pursue post-secondary education, any applicable grants held in the account must be returned to the government.

The capital portion can be withdrawn by the subscriber tax-free through the Capital Withdrawal process.

Income held in a 註冊教育儲蓄計劃（RESP） account can be withdrawn, known as Accumulated Income Payments (AIP), by the subscriber subject to certain conditions。

The subscriber may also be eligible to transfer up to $50,000 of accumulated income to their or their spouse’s 註冊退休儲蓄計劃（RRSP） account (subject to available contribution room) as part of the RRSP Rollover process。

If the beneficiary does not pursue post-secondary education and the capital is withdrawn from the account, any grants which have been received associated with the capital withdrawn must be returned to the government.

No additional action, forms or documentation are required on your part. Grants are automatically deducted and remitted to the government as part of the withdrawal process.

企業行為是發自發行單位並影響由該公司發行證券（股票或債務）的一個事件。公司行為包括兼併與收購、分拆、現金股票合併、遠期合約與反向股票分割以及更改名稱。某些企業活動，如股息（權益證券所發放）或票息（債務性證券或公債所發放）可能對於股東或公債持有人會有直接的理財效應。有些事件，比如股票分割，可能會對股東產生直接影響，因為股票流動性增加可能會導致股價上揚。其他，例如名稱改變則沒有直接的理財影響。

• 將利潤回饋股東。上市公司可能宣告對於流通在市場上的每一股股票發放現金股息。
• 為了影響股價。 如果股價過高或過低，則股票的流動性就會受到影響。股價過高則很多投資者主無法承受，而股價過低則股票可能會被退市。諸如拆股或反向拆股等企業行為會增加或減少市場流通股票數量從而導致股價上揚或下跌。
• 為企業重組之用。合併是一種企業活動，將兩個互相競爭或互補的公司結合以增加獲利能力。

客戶須知的重要資訊：

1. While BMO InvestorLine is not required to communicate corporate actions, once the information becomes available we'll make every effort to inform clients of any notifications through MyLink - your secure personal inbox, by phone or by mail.
   
   此外， BMO InvestorLine is not responsible for any missed, lost or late communications sent through these channels. 您有責任監控您所持有的有價證券投資的狀況。
   
   請記得定期登入您的賬戶查閱「我的連結」。
   
   我們建議您查閱收到的所有企業行為資訊以確保自己對所持有證券影響的全面了解。請注意，某些企業行為或許會要求您從多個選項中加以選擇，而且也可能有時間限制。因此，密切關注可能影響您持有證券的企業行為是必要的。
2. 源自可選的股息活動的股息付款將以現金支付。 If you prefer the share option, please inform BMO InvestorLine by calling 1-888-776-6886.
3. BMO InvestorLine will not pay out or deposit funds, or adjust your security position until we've received the securities from the transfer agent representing the issuer, regardless of the dates disclosed in the corporate action.
4. BMO InvestorLine will not permit you to sell the securities subject to the corporate action until we've received and deposited the shares to your account.
5. Any proceeds resulting from a corporate action will be paid in the currency in which the security is held with BMO InvestorLine.

作為BMO InvestorLine 投資優惠線客戶，您可以在網上買賣以加幣或美元計價的固定入息產品。現在就開始在全球最大之一的網上債券庫中搜索符合您投資標準的固定入息產品。在包括聯邦、各省及企業債券、本息分離息票以及餘券、短期國債、商業票據及銀行承兌匯票在內的各種類型的固定入息產品中進行選擇。

在固定入息交易中，業內標準是將佣金計入價格中。有了「固定入息在線」，您便可從容瀏覽我們的產品同時查看我們提供的優惠條件。

我們的價格與收益率依買入數量的不同而各異。一般而言，購買金額越大，所報的價錢和收益率也會更好。

應計利息指自上一個利息支付日過後債券累積的利息。在計算債券買入總成本時，買家須支付截止結算日前的應計利息。然後買家就可以在下一個利息支付日收到債券產生的全部利息。相反，如果是賣出債券，賣家則會收到作為整個交易價值一部分的應計利息。

當前，交易所交易債券僅可以透過BMO InvestorLine 投資優惠線代表交易。佣金為每債券最低$35另加$1 ， (1指$1000 面值）。例如，50債券或$50，000面值債券將產生如下佣金：$35乗以$50=$85。

在您要提供資金的BMO InvestorLine 投資優惠線賬戶中，按一下「轉移資金」，然後在「轉移資金」中繼續進行必要的步驟。

有三種存款方式您可以採用：

• BMO InvestorLine - deposits and regular contributions (Cash, Margin and 註冊退休儲蓄計劃（RRSP）) allow you to make contributions to your 註冊退休儲蓄計劃（RRSP） account and deposit funds into your investment account.
• BMO InvestorLine - spousal contributions (註冊退休儲蓄計劃（RRSP） Accounts) allow you to make spousal contributions to your Spousal 註冊退休儲蓄計劃（RRSP） 賬戶。
• BMO InvestorLine - administration fees (註冊退休儲蓄計劃（RRSP） and LIRA) allow you to pay the administration fees for your 註冊退休儲蓄計劃（RRSP） or LIRA accounts.

可以。您可以將BMO InvestorLine 投資優惠線設定為「收款方」或「收款人」（payee），再從您在加拿大各主要金融機構開設的銀行賬戶轉入資金。請聯絡您的銀行，以確定銀行是否將BMO InvestorLine 投資優惠線列為「收款方」或「收款人」。

轉存至您的BMO InvestorLine 投資優惠線賬戶需要2至5個工作日，取決於您開戶的金融機構所需的處理時間。

您的開戶銀行對於電子交易或電話交易可能設有每日最高限額，請您向您的開戶銀行了解更多詳情。

To ensure superior quality client service, we will guarantee a 100% reimbursement footnote star^* for any unauthorized transactions conducted in your account that results in a direct loss. 閱讀我們的網上安全保證了解更多資訊。

若您曾在我處開設過「現金」或「保證金」賬戶，我們將自動賦予您的賬戶AccountLink^®服務功能。AccountLink服務將您的財務需求整合進一個易於管理的整體中。AccountLink是一種我們向包括非註冊賬戶開放的服務。 It wraps the convenience of a BMO Bank of Montreal chequing account in with your BMO InvestorLine securities account.

You access your cash the same way you would with a regular BMO Bank of Montreal chequing account. You can:

• 開立支票
• deposit or withdraw from any BMO Bank of Montreal Instabank^® Automated Banking Machine (ABM) across Canada
• withdraw funds from any ABM on the INTERAC^® footnote star^* network in Canada or through an ABM on the Cirrus^® footnote star^* network in the 美國 and around the world
• 在銷售終端用INTERAC「直接支付服務」（扣賬卡交易）購物。

身為 BMO Bank of Montreal customer, your AccountLink Services can be included as part of your Everyday Banking Plan Fee. Just another way we are working towards meeting your comprehensive financial needs.

AccountLink Service can be linked to your BMO Bank of Montreal FirstBank^® Card, just like your other BMO Bank of Montreal accounts. By linking your AccountLink Service to your FirstBank Card, you can enjoy the many services offered through BMO Bank of Montreal including:

• 自助銀行業務，透過 網上服務 or Telephone Banking Service
• 可以使用 BMO Bank of Montreal Instabank Automated Banking Machines (ABM) across Canada
• access to ABMs on both the INTERAC network in Canada and the Cirrus network in the 美國 and around the world
• 在銷售終端通過INTERAC「直接支付服務」（扣賬卡交易）購物。

If you don't have a FirstBank Card, you can either contact your BMO Bank of Montreal branch to have one issued, or we can issue you an AccountLink Service Card. The choice is yours.

If you already use BMO Bank of Montreal's 網上服務, or Telephone Banking Service and you have added your AccountLink account number to your FirstBank Card, then you can use Online Banking, Telephone Banking or BMO Bank of Montreal Instabank Automated Banking Machines (ABM) to transfer funds.

As well, you can call a BMO InvestorLine representative or visit your nearest BMO Bank of Montreal branch.

不能。要提取您的美元AccountLink賬戶裡的美國資金，請就近瀏覽滿地可銀行分行。

BMO InvestorLine offers competitive rates and fees. 請瀏覽我們的 費用頁面 以了解詳情。

Each month you are entitled to two free cheques, withdrawals or transfers at a BMO Bank of Montreal branch or Instabank Automated Banking Machines (ABM), or INTERAC Direct Payment Service transactions. 超過這個數目則便收取例行滿地可銀行費用。欲進一步了解，請聯絡我們。

對於希望不全額支付買入證券的客戶我們可以提供信用透支貸款。「保證金」一詞指的是您必須提供的資金比例，保證金與信用透支貸款一起使用才能完成買入。

To buy on margin is to borrow money from BMO InvestorLine to purchase securities. 該筆借款以您投資組合中的資產價值作擔保。我們對所有賬戶進行日常監控以確保保證金始終維持在充足水平上。如果以保證金（孖展）交易的證券價格下跌，使賬戶成為保證金不足狀態，此時，您必須立刻採取下列一項行動：

• deposit funds or marginable securities into your BMO InvestorLine account to cover the amount you are under-margined; or
• 清算證券以補足保證金不足的部份。

當您的賬戶保證金不足且您未採取行動時， BMO InvestorLine may sell any or all of your positions. 然後我們會利用這筆資金淨值來償還您向本公司借貸的款項，您賬戶所欠的保證金可因此撤銷或減少。

保證金交易賬戶僅向非註冊賬戶開放。您可以申請保證金交易（孖展）賬戶權限，只要填寫 新賬戶申請. Margin accounts must be approved by BMO InvestorLine and a credit check must be conducted.

BMO InvestorLine offers lines of credit in Canadian and US Dollars at very competitive interest rates. 請到利率頁查看我們的當前利率或聯絡我們獲取更多資訊。

利率按您的BMO InvestorLine 投資優惠線賬戶中從上一個月第22日到包括第21日在內的本月平均借款及/或借方餘額，該數字會發佈在您的賬戶裡同時按月計復利。

You will need to set up your bank account first.

To de-register go to:

• ‘Account Services’ > ‘Move Money’
• Under FROM, select Chose Account and you’ll see ADD BMO BANK ACCOUNT at the top of the pop up.
  • Enter your 4-digit transit (branch) number, 7-digit account number and provide a nickname for this account that is 3-20 characters long.
• Once complete, click add.

Now when you choose FROM – select the InvestorLine account you wish to withdraw from, and under TO, select the bank account you just added. Input the amount and continue.

To contribute into the account, it is the reverse where TO is your BMO InvestorLine account and FROM is the bank account you added.

All beneficiaries are listed on the second page of your statement under INDIVIDUALS RELATED TO THIS ACCOUNT.

To access your statements, select 'My Portfolio side' > 'eDocuments' and they will appear on the left-hand side. Please note that statements are generated monthly or quarterly, so recent updates will not reflect until the next statement.

在每月月底之後大約8個工作日後即可在您的賬戶內檢視賬戶結單。

If no transactions were performed, you will receive a quarterly statement.

• 如果您已經註冊或選擇加入網上收取稅務文件的功能，您就可以在「電子文件」部分找到這些文件。 Login to your BMO InvestorLine 投資優惠線賬戶 to access.
• If you’re having trouble locating the “eDocuments” portion of the InvestorLine website, click here for a detailed step-by-step guide on how to access.
• Note: eDocuments are not currently available on the BMO Invest App

如果您已經註冊「僅限網上」為遞交您的稅務文件的喜好，則所有與稅務相關的文件都只可以電子方式在「電子文件」部分中提供。

如果您已經選擇「網上及郵寄」的選項，則稅務文件將郵寄至存檔的地址，同時也將以電子方式提供。

稅務文件提供將因賬戶類型及您選擇的遞交方式而不同。點擊此處 for a detailed release schedule by tax slip type.

You may receive numerous different tax slips from BMO InvestorLine. The slips you receive will depend on the type of account you have, the income you’ve earned, contributions you’ve made, etc. For more information on the tax documents you may receive, their purpose, and expected availability please click here.

Note: for specific tax advice and detailed understanding of each document, please speak with a professional tax advisor.

您收到的文件將適用於當前稅務年度。 If you require access to documents from prior tax years, please navigate to the "eDocuments" section and select the required year from the drop down. You will only be able to see documents for the years which your account was open with BMO InvestorLine.

To change your delivery preferences for tax documents login to 你的賬戶 and navigate to the "Account Service" and "Settings". From here you will see an option to edit the "Delivery preferences for your tax documents" for each of your accounts.

Your tax slip will be available in your “eDocuments” by the end of the week for which it is scheduled to be released. 點擊這裡以取得按照稅單類型發出詳情一覽表。 If the tax slip is not available by the end of the week, please contact us to review.

Note: you will not receive a notification that the applicable document is available. Please check back regularly to confirm availability.

Deadline to contribute to your 註冊退休儲蓄計劃（RRSP） – March 3rd, 2025

個人提交2024年納稅年度報稅截止日期 - 2025年4月30日（在此之後會有罰款）

自僱人士提交2024年納稅年度報稅截止日期 - 2025年6月15日（在此之後會有罰款）

點擊此處 for additional dates for the 2024 tax year.

附註：謹此提醒您，您必須確保收到了所有規定的稅單之後才開始準備報稅資料，以避免必須申請T1的修改表格以修改報稅資料。

If you would like to view your documents electronically and are having trouble locating the “eDocuments” portion of the InvestorLine website, click here for a detailed step-by-step guide on how to access. If you need further assistance, please contact us to discuss.

To help simplify your tax preparation efforts, we have developed an overview of the various tax slips and documents you may receive from BMO InvestorLine. 點擊此處 to review the tax slips and documents you may receive from BMO InvestorLine. Tax slips received depend on the type of account and product you hold.

附註：有關特定的稅務建議及對每項文件的詳細了解，請諮詢專業的稅務顧問。

Tax documents such as the T3 and RL-16 related to mutual fund income are issued directly by the respective mutual fund company and not BMO InvestorLine. Please check with the respective company to confirm their release schedule and distribution method (i.e., mail or online).

T3文件（以及RL-16、T5013、RL-15等套組資料）是由BMO InvestorLine 投資優惠線之外的第三方開立。某些外部開立人（例如互惠基金公司）會將稅務收據直接郵寄給您。請與相關的開立人確認對方提供文件的時間表。

Please confirm the recipient type is set to “joint account” (e.g., Box 23 is 2 on the T5 slip). If you find an error or believe there is an issue with your tax slip, please contact us to review the issue and discuss further.

The maximum contribution for a TFSA in 2025 is $7,000 CAD. For more information on TFSA contributions please visit the Canada Revenue Agency. Your unused contribution room accumulates each year as long as you have a Social Insurance Number (社會保險號碼（SIN）) (even if you do not file an income tax and benefit return or open a TFSA).

• Note: If you were 18 or older in 2009, your TFSA contribution room grows each year. If you turned 18 after 2009, your TFSA contribution room starts to grow in the year you turned 18 and accumulates every year after that year.

請參考以下的累積供款額度，其假設是您在2009年時已至少達到18歲且迄今為止尚未供款。

If you have closed your BMO InvestorLine account at any point in the tax year, any applicable tax documents will be mailed to the last address on file for your account. Tax documents will not be distributed electronically even if you have opted-in to receive your documents electronically. If you are expecting a document and haven’t received it yet, please click here for a detailed release schedule. If you need further assistance or if you haven’t received your documents, please contact us to discuss.

A T5 slip will be issued if you have or continue to hold a BMO HISA in your account. 點擊此處 to review the various tax slips and documents you may receive from BMO InvestorLine. Tax slips received depend on the type of account and product you hold.

A T3 or T5 slip is only issued for income and gains within non-registered accounts. 點擊此處 to review the various tax slips and documents you may receive from BMO InvestorLine. Tax slips received depend on the type of account and product you hold.

如果您發現您的稅單上有錯誤或您認為有問題，請聯絡我們以查看此問題並進一步討論。

No problem – you can take a tour on how to reset your Client ID password with this demo or just follow a few simple steps:

1. 請前往BMO InvestorLine 投資優惠線登入頁面
2. 選擇忘記密碼（位於密碼欄位下方的登入方塊）
3. Enter your Client ID
4. 輸入您的出生日期
5. Verify your identity using a verification code sent via text, phone or by calling BMO InvestorLine at 1-888-776-6886 between 8 a.m. and 6 p.m. (ET) Monday to Friday
6. 請輸入您的驗證代碼
7. 輸入您「新」的登入密碼及「新」的交易密碼

If you're still unable to sign in, call us at 1-888-776-6886 and select your language option followed by option #3 in the call options for Account number and Password support. Please have your identification information (your account number and date of birth) ready before calling.

The security of your account is our top priority. From now on, a one-time verification code process will be used as the only method for two-step verification. When prompted, enter the one-time verification code sent to your phone to access your account.

You can take a tour with this demo or just follow a few simple steps:

1. 請前往BMO InvestorLine 投資優惠線登入頁面
2. Enter your Client ID, User Id or Account number and password to sign in
3. Select your phone number to verify your identity using a verification code that will be sent by text or automated voice call. If you do not have access to the phone associated with your account, call BMO InvestorLine at 1-888-776-6886 between 8 a.m. and 6 p.m. (ET), Monday to Friday. You will be given a code after verifying your identity.
4. 請輸入您的驗證代碼
5. Select ‘Add this device to my trusted device history’ if the device you are using is considered a trusted device

我們的網站為IE瀏覽器6.0 或更高版本，或啟用JavaScript 的Firefox瀏覽器2.0或更高版本（詳見下文）。要下載瀏覽器，您可以去微軟 或Mozilla網站。要更多了解如何更新您的瀏覽器，請瀏覽安全欄目。

If you are a client and are having difficulty logging into your account, 勾選 that you have JavaScript enabled on your browser:

• 如果您使用IE 6.0或更高版本，您應當透過IE的工具選單，選擇「互聯網選項」，然後選擇「安全」標籤，接著選擇「自訂等級」按鈕（在底部），以啟用「活動腳本」（Active scripting ）。下拉直到您看到「腳本處理」（Scripting）（專題是按字母順序排列）並確保將「活動腳本」（Active scripting）設為「啟用」。
• 如果您使用的是Firefox 2.0或更高版本，您應當進入Firefox的「工具選單」，選擇「選項」然後點擊「內容」圖示，以啟用JavaScript。在「啟用Javascript」框內打勾並點擊「確認」。

如果您用的IE 8.0 或更高版本且經常打開多個瀏覽器窗口，請參閱 常見問題。

為了保護您的安全，我們已將登入嘗試次數限制為三次。 If you have exceeded your three attempts, please call BMO InvestorLine at 1-888-776-6886; select your language option followed by option #3 for account number and Password support.

如果您看到了出錯訊息，這意味著您用的是128位加密瀏覽器。 128位加密是當今北美市場上可普遍獲得瀏覽器的最強大最安全的加密形式。為了進行網上投資，您必須確保自己使用的是128位加密瀏覽器。我們還推薦在網上進行非金融交易中也使用 128位加密。128位加密瀏覽器可從 微軟 或Mozilla 網站下載。

此出錯訊息表示我們的伺服器暫時無法運作。如果您看到本訊息，請過些時候再試。或您可以聯絡BMO InvestorLine 投資優惠線代表。

為保護您的安全，您應當確保不向任何人透露密碼。 In addition, after completing your BMO InvestorLine session, you should clear your cache, or turn off and re-initiate the browser, to eliminate any copies of web pages that may have been stored in your hard drive.

此類型錯誤訊息可能表示多種情況：

• 互聯網服務供應商方面暫時出現網絡故障（這是最常見問題原因）
• 無法找到您輸入的地址（也許有打錯字）
• 該地址在您的互聯網服務供應商或網絡範圍之外

BMO InvestorLine 投資優惠線訊息提示服務是一種在任何無線設備上或您指定的任何電郵地址裡接收市場資訊通知的便捷工具。您可從北美市場上市的數千種股票中選擇成交量、價格與新聞訊息提示。

本服務對BMO InvestorLine 投資優惠線客戶免費。但是，請注意，行動設備接收電子郵件所使用的無線上網服務可能會產生額外費用。請洽詢您的無線網路業者或參閱其用戶同意書，以了解更多細節。

訊息提示實際送達您設備的時間取決於其在戶聯網及/或無線網絡的傳輸時間。所用時間依您所使用的供應商或互聯網服務供應商而有所不同。

一旦完成訊息提示設置，您就可在任何具有接收電郵功能的設備上接收訊息提示。這包括有電郵功能的個人話機（數位）電話，文字呼叫器或個人數位助理（PDA）及桌上電腦。如果您不希望訊息提示發送到您的無線設備上，您可設定將其發送到您的常用電郵地址。

要在您的行動電話、呼叫器或PDA上接收無線訊息提示，您需要確保自己的設備具有接收電郵訊息的功能。然後，您需要讓您的無線網路供應商啟用您的無線網路或文字訊息服務。他們會為您的行動設備提供一個電郵地址。

不。「訊息提示」旨在成為改善您的整體投資策略的一個便捷工具。 登入您的賬戶以查閱我們網站提供的詳盡市場資訊。BMO InvestorLine's Alerts service is provided by Reuters Limited. 所有透過「訊息提示」服務提供的報價資訊均延遲20分鐘。我們不能保證所提供資訊的準確性與即時性。訊息提示的發送可能隨時會被我們所無法控制的原因干擾。

Opening a TFSA 轉移賬戶（at） BMO InvestorLine is easy by applying online.

There are several ways you can make a contribution to your TFSA。

1. 使用網上或電話銀行
   Fund your TFSA as easily as you pay bills online. Simply use your Internet or telephone banking service to add BMO InvestorLine to your list of payees
2. Contribute cash or in kind from a BMO InvestorLine cash or margin account
3. 設定預先授權註冊供款
   設定合乎您需求與權益的平均成本法便利付款時間表。只需填妥預先授權免稅儲蓄賬戶供款登記表（51 KB - PDF）。
4. 從其他金融機構轉入資產
   Consolidate your investments with BMO InvestorLine and simply your investing activities. 只需填妥轉賬授權表即可開始。
5. 將證券權證存到您的賬戶
   Send your certificates and the completed Power of Attorney to Transfer Stock or Bond (LF255) Form by priority post directly to BMO InvestorLine at:
   
   Attn: BMO InvestorLine
   Transit #3973
   First Canadian Place
   100 King St. W., Floor B1
   Toronto, Ontario
   M5X 1H3
   
   註：速件會產生遞送費用。

了解更多關於免稅儲蓄賬戶（Tax-Free Savings Account）

First Home Savings Account (FHSA) is a registered savings account designed to help Canadians save for the purchase of their first home. Available now at BMO InvestorLine, the FHSA allows you to hold various investment types to help grow your savings tax-free.

Opening a FHSA at BMO InvestorLine is easy. Access the application forms and instructions 網上。

The new Mutual Funds Screener and Research tool is seamlessly integrated into the BMO InvestorLine web platform for Self-Directed clients. Look for it in the "Mutual Funds" tab under the "News & Markets" in the top navigation bar of the Self-Directed web platform.

有的！我們了解，篩選過程非常複雜。 To help you get started, we've included a variety of pre-defined screeners like "Top Performing," "Highly Rated," "Highly Sustainable," and "Low Fee." These pre-set filters can help you quickly find mutual funds that match your specific needs and goals.

篩選器及研究報告工具的資料仍是由Morningstar這家深受信賴的投資研究報告機構提供。我們僅針對資料的呈現方式作出最現代化的改善，目的是便利您的使用。

兼具傳統互惠基金及股票的特點，ETF為讓您持有跟蹤具體市場指數的基礎證券投資組合一攬子股票的一部分，如S&P/TSX 60，Dow Jones Industrials或S&P 500。不同於互惠基金，您並非從基金購買或贖回股票。相反，您可以在交易所裡買賣ETF股份。

什麼是期權？
Options are contracts that give you the right, but not the obligation, to buy or sell an underlying asset (stock, 交易所買賣基金 or similar product) at a specific price by a certain date. They offer flexibility for various trading strategies.

Why trade options?
Options can help generate income, manage risk, or speculate on market movements, providing versatility for both bullish and bearish outlooks.

What are the risks involved in options trading?
Options trading involves inherent risks, including the potential to lose your entire investment, and greatly magnify losses. It's crucial to thoroughly understand the risks and complexities before you begin trading options.

期權交易有哪些資格要求？
To trade options with BMO InvestorLine, you need an options-approved account. This typically involves meeting certain criteria related to your investment experience, knowledge, and financial situation.

How can I apply for an options-approved account?
如果您是新客戶，您可以在開設 BMO InvestorLine投資優惠線賬戶時申請獲准交易期權的賬戶。 If you're an existing client, you can upgrade your account online.

非註冊賬戶

註冊賬戶

如果我的期權申請未獲准，該怎麼辦？
If you application is not approved, you'll receive a notification with the reason for the decision. You can then take steps to improve your eligibility and reapply in the future.

What tools and features does BMO InvestorLine offer for options trading?
Our platform offers a suite of powerful tools designed specifically for options traders, including advanced charting, options chains, strategy builders, options screeners, and enhanced analyzers.

What types of options strategies can I trade on BMO InvestorLine投資優惠線?
在 BMO InvestorLine, we offer options trading across all accounts. Note that for Registered accounts, options trading is limited to Level 1.

• Level 1: Long calls, long puts, covered calls, long straddles, long strangles (covered puts are only allowed in Margin accounts approved for short selling).
• Level 3: Spreads.
• Level 5: Uncovered, short straddles, short strangles.

What are the commissions and fees for options trading on BMO InvestorLine投資優惠線?
期權交易必須支付佣金。 For detailed information on fees and commissions, please refer to our 佣金和收費標準。

What is the commission on exercises and assignments?
The minimum commission for option exercise and assignment is $43. 請參閱 佣金和收費標準。

What is the commission on multi-leg option trades?
The commission on the 1st leg of an online options order is $9.95 + $1.25 per contract and the 2nd leg would be $1.25 per contract. If the multi-leg strategy includes an equity position (i.e., a covered call, married put, etc.), then it would be one commission of $9.95 + $1.25 per contract. Also note, if the principal value of each leg is $2,000 or less, the maximum commission would be $35 CDN or $35 US per leg.

What educational resources does BMO InvestorLine provide for options trading?
我們的「教育資訊中心」有許多關於期權交易的文章、影片、網路研討會和課程等資源。從初學者到經驗豐富的專業人士，我們能夠滿足各種級別交易者的需求。 請立即造訪我們的「教育資訊中心」。

How can I get help if I have questions on options trading or need assistance?
We are open from Monday to Friday 8am - 6pm EST please contact us at 1-888-776-6886。或者，請瀏覽這個連結查看聯絡我們的其他方式。

ESG stands for Environmental, Social, and Governance.

The ESG framework promotes sustainability for present and future generations by fostering prosperity for all, equitable distribution of resources, healthy living conditions, and an environment where nature can thrive.

Through ESG, investors can understand a company's purpose, strategy, and management.

投資組合內持有的 ESG framework looks beyond profits and takes the interconnected nature of humanity into account. Companies with high ESG generally:

• Boast solid financial indicators with lower cost of capital and less volatility.
• Experience fewer instances of bribery, corruption, and fraud.
• Enjoy positive brand recognition among customers and the public.
• Command higher employee retention rates.

Our ESG framework evaluates equity and ETF investments.

ESG scores are measurements of companies’ perceived performance on the three category pillars: Environmental, Social and Governance.

A category-specific score is determined for each pillar based on the company's participation in the pillar's key issues. Among the most important issues for each pillar include, but not limited to:

環境

• Carbon Emissions
• Water Stress
• Renewable Energy

社會

• Labor Management
• Privacy & Data Security
• Access to Health Care

治理

• Board
• 「付款」（Pay）
• 商業道德

投資組合內持有的 ESG score of a company is determined by the degree to which it is exposed to industry-specific issues and the effectiveness with which it manages these key issues. Companies are assessed based on:

• 80+ geographic and business metrics
• 100+ key governance metrics
• 150 policy and program metrics
• 20 performance metrics

You can enable biometric login for your BMO Invest app in the any one of the following ways:

Option 1 – Upon signing up with your Client ID

• Select “Remember Me”
• Type in your password and Sign In.
• You will be prompted to enable biometric login.

Option 2 – If you choose to not select the “Remember Me” box, you can enable and/or disable biometric sign in under the Settings Menu within your BMO Invest App.

Note: You must have biometrics enabled in your phone/device settings for either of the options outlined above to work.

To disable biometric login in your phone and/or device:

• Sign-in to Client ID.
• Access App settings from the menu.
• Toggle off Biometrics.