This page (together with any documents referred to herein) governs your use of the website www.bmogam.com (the "Website"). Please carefully read the terms, conditions and notices (the "Legal Notices") set out below. We recommend that you print and retain a copy of the Legal Notices for future reference. By using this Website, you acknowledge that you have read, understood, and agree to be bound by the Legal Notices. If you do not accept any of the terms of the Legal Notices, please discontinue use of this Website.

Legal Notices:

  1. BMO Global Asset Management

    BMO Global Asset Management is the brand name for various affiliated entities of BMO Financial Group that provide investment management, retirement, and trust and custody services. Certain of the products and services offered under the brand name BMO Global Asset Management are designed specifically for various categories of investors in a number of different countries and regions and may not be available to all investors. Products and services are only offered to such investors in those countries and regions in accordance with applicable laws and regulations. BMO Financial Group is a service mark of Bank of Montreal (BMO).

    References in this Website to "BMO Global Asset Management" are to BMO Asset Management U.S., BMO Asset Management (Canada)®, and BMO's specialized investment boutiques: Pyrford International Ltd, LGM Investments Limited, and Taplin, Canida & Habacht, LLC. BMO Asset Management U.S. consists of BMO Asset Management Corp., BMO Asset Management Canada includes BMO Asset Management Inc. and LGM Investments Limited consists of the subsidiaries of LGM (Bermuda) Ltd.

    The Website is operated by BMO Financial Corp.

  2. Available Only Where Permitted By Law

    The products and services described on this Website are available only in jurisdictions where they may be lawfully offered for sale. The information on this Website is not an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot lawfully be made, or to any person to whom it is unlawful to make a solicitation.

    Investment advisory services in the United States are provided by BMO Asset Management Corp., LGM Investments Limited, BMO Global Asset Management (Asia) Limited, Pyrford International LTD. and Taplin, Canida & Habacht, LLC.

    Investment advisory services in Canada are provided by BMO Asset Management Inc., BMO Asset Management Corp., LGM Investments Limited, BMO Global Asset Management (Asia) Limited and Pyrford International LTD.

    Financial promotions in the United Kingdom are provided by LGM Investments Limited and Pyrford International LTD. LGM Investments Limited and Pyrford International LTD are authorised and regulated by the Financial Conduct Authority, United Kingdom.

    Asset management services in Hong Kong are provided by BMO Global Asset Management (Asia) Limited licensed by the Securities and Futures Commission to conduct regulated activity Type 9 - asset management under the Securities and Futures Ordinance.

    If you choose to access this Website from outside the above-referenced jurisdictions, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws and regulations. You may not use or export or re-export any of the information contained on this Website or copy any adaptation in violation of any applicable laws or regulations, including export laws and regulations of the above-referenced jurisdictions in force from time to time.

  3. Information

    This information has been provided on a voluntary basis by BMO Global Asset Management and is for information purposes only. It is not intended to constitute legal, accounting, financial or tax advice and should not be relied upon in that regard. Many factors relating to your particular circumstances that are unknown to us may affect the applicability of the information provided. You should consult directly with BMO Global Asset Management or your professional advisers before acting on any information on this Website and, in particular, before making any investment decision. To the extent permitted by applicable law, BMO Global Asset Management disclaims all liability and responsibility arising from any reliance placed on the information on this Website by any visitor to the Website or by anyone who may be informed about the Website contents.

    BMO Global Asset Management takes reasonable steps to provide up to date, accurate and reliable information, and believes the information to be so when posted. The information on this Website may be changed at any time without prior notice. As a user, you agree to review the Legal Notices regularly, and your continued access or use of this Website will mean that you agree to any changes.

  4. Use of Website

    BMO Global Asset Management is not responsible in any manner and, to the extent permitted by applicable law, will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages, and without limitation, lost revenues or profits, loss of data, or loss of prospective economic advantage) whether caused by tort, negligence, breach of contract or otherwise, even if foreseeable, arising out of your use or inability to make use of this Website or the information therein, and/or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet. Furthermore, we are not liable for any action or decision made by you in reliance on this Website or the information contained therein, or any unauthorized use or reproduction of the Website or the information, even if BMO Global Asset Management has been advised of the possibility of damages. The Legal Notices are to be read by you together with any terms, conditions or disclaimers provided in the pages of this Website (the "Page Disclaimers"). In the event of any conflict between the Legal Notices and Page Disclaimers, the Page Disclaimers will govern.

  5. Applicable Agreements

    All products and services of BMO Global Asset Management are subject to the terms of each and every applicable agreement governing their use, in addition to, the Legal Notices and Page Disclaimers. In the event that the Legal Notices or Page Disclaimers are inconsistent with the terms of any agreement, the terms of the agreement will govern.

  6. Links Are Not Endorsements.

    Links from this Website to other websites or references on this Website to products, services or publications other than those of BMO Global Asset Management do not imply the expressed or implied endorsement or approval of such websites, products, services or publications by BMO Global Asset Management.

    Links from or to websites outside of this Website are intended for convenience only. BMO Global Asset Management does not review, approve, endorse or control, and is not responsible for any sites linked from or to this Website, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your own risk, and BMO Global Asset Management will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and BMO Global Asset Management is not responsible or liable for any difficulties associated with downloading the software. While every effort is made to ensure that all software provided at this Website, or at a link from this Website, is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. Use of any downloaded software is governed by the terms of any license agreement, which accompanies or is provided with the software.

  7. Confidentiality (Internet and E-mail)

    Confidentiality and security of information over the Internet is not possible at this time. BMO Global Asset Management cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. BMO Global Asset Management will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.

  8. Trade-Marks and Copyrights

    Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in this Website may constitute trade names, registered or unregistered trade-marks or service-marks ("Trade-marks") of the members of BMO Financial Group ("BMO"), including BMO Global Asset Management or of third parties and are used under license by BMO Global Asset Management or the other members of BMO. However, the display of trade-marks on the pages of this Website does not imply that a license of any kind has been granted to any third party. Trade-marks may be registered in Canada and in other countries.

    All information on this Website is protected under the copyright laws of Canada and other countries. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of BMO Global Asset Management. Otherwise, no one has permission to copy, redistribute, reproduce or republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, any information found in the pages of this Website.

    Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks or other contents of this Website may be a violation of statutory or common laws rights which could subject the violator to legal action.

    Notwithstanding the above, nothing contained in this section shall be construed as conferring any right or license under any copyright of BMO Global Asset Management or any other person who owns the copyright in the content provided on this Website

    ® "BMO (M-bar roundel symbol)" and "BMO" are registered trade-marks of the Bank of Montreal, used under license.

  9. No Warranties

    BMO Global Asset Management and its officers, directors, employees or agents provide the Website on an "as is, where is" basis and, to the extent permitted by law, do not make any warranties, representations, endorsements or conditions with respect to the Website or the information contained therein, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, timeliness, reliability and fitness for a particular purpose. Further, BMO Global Asset Management does not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors (including typographical) or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have the sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for viruses or other destructive properties. Some jurisdictions do not allow for the exclusion of implied warranties, so the above may not apply to you.

  10. Privacy

    BMO Global Asset Management may process personal information about you, including information about your visits to the Website. This processing will take place in accordance with the BMO Global Asset Management privacy policies.

  11. Viruses and hacking

    You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack. Violators may be prosecuted under applicable law.

  12. Investments

    Applications to invest in, or purchase, any product or investment will only be accepted on the basis of the prescribed offer and subscription documents specifically issued in relation to a particular investment opportunity, in accordance with the procedure set out in those offer and subscription documents. No applications, money, securities or other consideration will be accepted in response to the Website or its contents. Any products or investments are expressly subject to the terms and conditions set out in the prescribed offer and subscription documents specifically issued in relation to the particular product or investment, opportunity, including any risk warnings set out therein.

  13. Jurisdiction

    This Website is administered by BMO Global Asset Management. This Website will be governed by and construed in accordance with the laws of the United States. All disputes, controversies or claims arising out of or in connection with this Website shall be submitted to and be subject to the jurisdiction of the United States. As a user, you submit to the exclusive jurisdiction of the courts of the United States to finally adjudicate or determine any suit, action, or proceeding arising out of or in connection with this Website.

  14. Anti-Money Laundering

    To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

    A corporation, partnership, trust or other legal entity may need to provide other information such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement or a trust agreement. We may be required to disclose this information pursuant to applicable laws, rules or regulations, but it will otherwise be retained in confidence according to our privacy policy.