BMO SmartSteps for Investing
Saving and Investing wisely starts with the right steps.

  • Offers 100% principal protection of your initial investment with a guaranteed minimum return
  • Provides the potential to earn additional returns based on the performance of 10 Canadian blue chip stocks.
  • Eligible for Canadian Deposit Insurance Corporation (CDIC) deposit insurance up to applicable limits.
  • RSP eligible

Determine if the market-linked BMO Blue Chip GIC is the right investment for you. Please visit a BMO branch call
1-800-665-7700 to speak to a BMO Investment professional or have one our investment representatives contact you.

*BMO Blue Chip GICs are issued by Bank of Montreal Mortgage Corporation and guaranteed by Bank of Montreal. The principal amount of a BMO Blue Chip GIC is guaranteed and is repayable upon maturity and, in addition, the GIC provides a minimum guaranteed rate of return, but there is no guarantee you will receive any additional return based on the performance of the Reference Portfolio. The rate of return for the term payable is the Guaranteed Rate of Return for the Term plus the variable rate of return for the term on the Reference Portfolio, if any, but will not be less than the Guaranteed Rate of Return for the Term or more than the Maximum Rate of Return for the Term. The rate of return for the term is determined without reference to any dividends or distributions paid on the securities. The variable rate of return for the term is equal to the average of the effective returns on each security in the Reference Portfolio on the calculation date for the series (the "Average Effective Return"). The effective return of each security is based on the actual return of each security calculated as the percentage increase or decrease in the price of the security (the "price returns") from the second business day after the issue date to the calculation date. The effective return of each security used to calculate the Average Effective Return on the calculation date is determined as follows: if a price return is positive, the effective return is the maximum return for each security as set out in the Terms and Conditions for the GIC; if the price return is equal to or greater than the minimum floor return as set out in the Terms and Conditions for the GIC but less than or equal to zero, the effective return is the price return; and if the price return is less than the minimum floor return, the effective return is the minimum floor return. If market disruptions or other special circumstances affect the calculation of the return, the calculation agent may adjust or delay the calculation or payment of interest, estimate the value of a security in the Reference Portfolio, replace a security and/or determine the amount of interest, if any, that may be payable in an alternate manner. The Terms and Conditions for BMO Blue Chip GICs are available at your local BMO Bank of Montreal branch. BMO Blue Chip GICs are not available in an RSP if the GIC's maturity date is after the date you are required to convert your RSP to a RIF. Rates are effective August 1 to August 31, 2012. TM/® Trade-marks of Bank of Montreal.