Special offers for banking

 ^{Footnote 1 details 1}Special offers are subject to change. The closing cost discount offer is available on applications received from 08/03/2026 through 10/31/2026. The closing cost discount consists of a $500, $750 or $1,000 discount in closing costs, depending on loan amount. This offer is available subject to the following:

Closing Cost Discount: The closing cost discount may be applied to the purchase or refinance mortgage at closing. It is available for loans secured by 1-4 unit homes used as primary residences, second homes, or investment properties. Loan amounts up to $500,000 qualify for a $500 closing cost discount, loan amounts between $500,001 up to $999,999 qualify for a $750 closing cost discount, and loan amounts $1,000,000 and up qualify for a $1,000 closing cost discount.

 ^{Footnote 2 details 2}RelationshipRequirement: If the property is not located in one of the following locations: AZ, CA, CO, FL, ID, IL, IN, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY and EL Paso County, TX​ (BMO does not offer Home Equity Products in Texas) in order to be eligible for our real estate secured lending products, you must be a pre-existing BMO client for at least six month at the time of application; contact a Banker for details. A BMO client relationship includes any consumer or small business deposit account, secured or unsecured loan, or investment account; Alto accounts are excluded. Not applicable to Private Bank clients or BMO employees.

 ^{Footnote 3 details 3}Variable Rate Offer InformationThe variable introductory rate offer is available on new applications received from 8/3/2026 through 11/2/2026. The introductory rate is variable during the introductory period. No customer or other discounts are available during the variable rate introductory period. The 6-month introductory rate of 5.49% APR will change with Prime and is calculated by subtracting 1.51% from the then-current Prime Rate on a line of credit. Rates are for illustrative purposes only and are subject to change without notice.

Variable Rate Information After Introductory

For a Home Equity Line of Credit, the annual percentage rate (APR) is a variable rate based on The Wall Street Journal^® Prime Rate (7.00% on 09/17/2026) plus a margin that varies depending on the state in which property is located, individual credit qualifications, credit limit amount, loan to value ratio and other criteria. Rates shown are for first lien lines of credit of $100,000 secured by an owner occupied 1 to 4 family residence, in Illinois, with a loan-to-value (LTV) of 70% or less, and a FICO credit score of 780+, and includes a 0.25% Auto Pay discount. Rates vary from 7.69% APR to 15.06% APR depending on property state, loan amount and other variables. Please consult a banker for pricing in your region. Your APR will never be lower than the floor rate in the credit agreement, or exceed 18.00% APR or the maximum APR permitted by law, whichever is less. To receive a 0.25% Auto Pay rate discount you must authorize BMO at origination to withdraw your home equity line of credit payment each month from an eligible BMO checking account (Auto Pay). The discount can only be applied to a new Home Equity Line of Credit. 

 ^{Footnote 4 details 4}Participation in BMO Flex Rewards is subject to terms and conditions found in BMO Flex Rewards Program Rules, available at: https://www.bmo.com/bmoflexrewardsconsumer. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back and all accrued points or cash back not redeemed will be available to redeem for 90 days as long as Account is closed in good standing. All cash back is redeemable in the form of a statement credit. The introductory rewards bonus is based on total net qualified purchases made in the first three months of account opening and rewards will be awarded to qualifying Accounts 3 - 4 weeks after the conclusion of the three month period. Information regarding rates and offers is subject to change. Please visit www.bmo.com/us/cards for the most up-to-date offers available.

Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC

 ^{Footnote 5 details 5}Participation in BMO Flex Rewards is subject to terms and conditions found in BMO Flex Rewards Program Rules, available at: https://www.bmo.com/bmoflexrewardsconsumer. The Account must be current and in good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account is closed for any reason, the Account will no longer be able to accrue points or cash back and all accrued points or cash back not redeemed will be available to redeem for 90 days as long as Account is closed in good standing. All cash back is redeemable in the form of a statement credit.

The double cash back bonus is available to all approved Accounts, with applications received between September 1, 2026 and November 1, 2026. The double cash back bonus is based on total net qualified purchases posted to your Account in the first 12 months from the Account opening date. For gas, EV charging and grocery purchases, the double cash back bonus is capped at $6,000 total net qualified purchases, posted to your account in the first 12 months from the Account opening date. This is a one-time cash back bonus, awarded to qualifying Accounts 3 to 4 weeks after the conclusion of the 12-month offer period. The Account must be open and in good standing for the bonus to be awarded.