Canada Deposit Insurance Corporation (CDIC)

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

Advisor's Advantage Trust branded deposit instruments are issued by BMO Trust Company, Bank of Montreal, or Bank of Montreal Mortgage Corporation; all are members of CDIC.

Eligible Bank of Montreal Mortgage Corporation deposit instruments and / or products (as of April 30, 2018)

Registered Trade Names:

• Bank of Montreal
• BMO Financial Group
• BMO Bank of Montreal

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

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

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

• Chequing and / or Savings Accounts
• Guaranteed Investment Certificates and Term Deposits¹
• Commercial Chequing and Savings Accounts
• BMO InvestorLine^® Accounts
• BMO Nesbitt Burns^®†† Account
• Eligible Bank of Montreal Mortgage Corporation deposit instruments and / or products
• Eligible BMO Trust Company deposit instruments and/or products

Chequing and / or Savings Accounts

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

• BMO Club Sobeys Chequing Account
• BMO IGA AIR MILES Chequing Account
• BMO Sobeys AIR MILES Chequing Account
• BMO Club Sobeys Savings Account
• BMO IGA AIR MILES Savings Account
• BMO Sobeys AIR MILES Savings Account
• First Canadian Investment Funds Retirement Savings Plan Savings Account
• Interest Chequing Account
• Special Retirement Account
• First Canadian Funds Savings Account
• BMO Super Daily Interest Retirement Account¹

Guaranteed Investment Certificates and Term Deposits¹

• BMO Guaranteed Investment Certificate (GIC)
• BMO Cashable RateRiser GIC
• BMO RateRiser Plus GIC
• BMO RateRiser Max GIC
• BMO Retirement Income Fund Guaranteed Investment Certificate
• BMO Term Deposit Receipt
• BMO Term Deposit Receipt (RSP)
• BMO Cashable GIC
• BMO Short Term GIC

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

Commercial Chequing and Savings Accounts

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

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

BMO InvestorLine^® Accounts

• BMO InvestorLine Investment Account with AccountLink^™ Service (chequing / savings account only)
• AccountLink^™ Account
• BMO High Interest Savings Account formerly AAT High Interest Savings Account

BMO Nesbitt Burns^®†† Accounts

• Preferred Plus Account^® (chequing / savings account only) formerly Prime Access Account^®.
• Preferred Account^® (chequing / savings account only) formerly Access Service^®
• BMO High Interest Savings Account formerly AAT High Interest Savings Account

Sundry Items

Mortgage Tax Account

Outstanding Payment Items

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

Eligible Bank of Montreal Mortgage Corporation deposit instruments and / or products (as of April 30, 2018)

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

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

Guaranteed Investment Certificates (GICs)¹

• BMO Guaranteed Investment Certificate (GIC)^2,3,4,5
• BMO Guaranteed Investment Certificate (GIC) (RSP)
• BMO AIR MILES^®† GIC
• BMO Cashable RateRiser^® GIC^2,3,4,5
• BMO Cashable RateRiser^® GIC (RSP)
• BMO RateRiser^® Plus GIC^2,3,4,5
• BMO RateRiser^® Plus GIC (RSP)
• BMO RateRiser^® Max GIC^2,3,4,5
• BMO RateRiser^® Max GIC (RSP)
• BMO Income Generator^™
• BMO Blue Chip GIC^2,3,5
• BMO Blue Chip GIC (RSP)
• BMO Return Enhancing GIC^2,3,5
• BMO Return Enhancing GIC (RSP)
• BMO Smart Return GIC^2,3,5
• BMO Smart Return GIC (RSP)
• BMO Canadian Market GIC^2,3,5
• BMO Canadian Market GIC (RSP)
• BMO Fund Linked GIC^2,3,5
• BMO Fund Linked GIC (RSP)
• BMO Top Performing Portfolio GIC^2,3,5
• BMO Top Performing Portfolio GIC (RSP)
• BMO Market Plus GIC (TFSA only)
• BMO RateOptimizer^® Max GIC
• BMO RateOptimizer^® Max GIC (RSP)
• BMO RateOptimizer^® Plus GIC
• BMO RateOptimizer^® Plus GIC (RSP)
• BMMC Retirement Income Fund Guaranteed Investment Certificate
• BMO Matchmaker Savings GIC⁵
• BMO Matchmaker Savings GIC (RSP)
• BMO Short Term Investment Certificate (STIC)^2,3,4
• BMO Redeemable Short Term Investment Certificate (R-STIC)^2,3,4
• BMO Variable Rate GIC
• BMO Select GIC^2,3,5
• BMO Select GIC (RSP)
• BMO Growth GIC^2,3,5
• BMO Growth GIC (RSP)
• BMO Cashable GIC
• BMO Short Term GIC

Outstanding Payment Items

• Suspense Accounts

Term Investments - no longer offered for sale

• BMO RateOptimizer GICs sold prior to December 1, 2005
• BMO RateOptimizer GICs (RSP) sold prior to December 1, 2005
• BMO Seniors' Choice Flexible Term Investment sold prior to November 4, 2002
• BMO Smart Choice Flexible Term Investment sold prior to November 4, 2002
• RateRiser GICs sold prior to April 26, 2001
• RateRiser RICs sold prior to April 26, 2001
• BMO Return Generating GIC sold prior to January 1, 2015
• BMO Return Generating GIC (F-Class) sold prior to January 1, 2015
• BMO Canadian Banks Index GIC sold prior to August 1, 2015
• BMO Canadian Banks Index GIC, Class F sold prior to August 1, 2015
• BMO Index Linked GIC sold prior to August 1, 2015
• BMO Index Linked GIC, Class F sold prior to August 1, 2015

BMO Trust Company List of CDIC Eligible Deposit Products (as of April 30, 2018)

Registered Trade Names:

• BMO Trust Company
• BMO Trust and Estate Services
• Advisor’s Advantage Trust

Outstanding cash balances of:

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

Drafts
Certified Drafts
Outstanding Payment Items (not available directly to depositors):

• Unclaimed drafts

Guaranteed Investment Certificates and Term Deposits:

• BMO Guaranteed Investment Certificate (GIC)
• BMO Cashable RateRiser GIC
• BMO RateRiser Plus GIC
• BMO RateRiser Max GIC
• BMO Cashable GIC
• BMO Short Term GIC

“Advisor’s Advantage Trust” (“AAT”) instruments and/or products issued by BMO Trust Company:

• Guaranteed Investment Certificate (GIC)
• Cashable GIC
• Short Term GIC
• Guaranteed Investment Certificate (GIC-RSP)
• Cashable GIC (RSP)
• Short Term GIC (RSP)
• Savings Account (RSP)

The following products are no longer offered for sale:

• Laddered GIC
• Laddered GIC (RSP)
• Escalating Rate GIC (RSP) – (redeemable each anniversary)
• Escalating Rate GIC (RSP) – (non-redeemable)
• Escalating Rate GIC (redeemable each anniversary)
• Escalating Rate GIC (non-redeemable)