By accessing this web site and any pages thereof, you agree to be bound by the terms of the Legal Notices set out below. If you do not agree with the terms of these Legal Notices, do not access this web site or any pages thereof.

• BMO Capital Markets
• Structured Products Legal Disclaimer
• BMO Capital Markets Corp.
• Deals
• BMO Bank of Montreal
• Confidentiality
• No Advice
• Accuracy and Changes
• Calculators
• Disclaimer of Warranty and Limitation of Liability
• No Solicitation
• Disclosure of Interests
• Applicable Agreements
• Applicable Jurisdiction
• US Residents
• UK Residents
• Software Back-up
• Hyperlinks are not Endorsements
• Trade Marks Belonging to Bank of Montreal or Other Entities
• Copyright BMO Nesbitt Burns Inc. 2009

Legal Notices:

BMO Capital Markets

"BMO Capital Markets" is a trade-mark umbrella brand name used by the BMO Investment Banking Group, under which the investment and corporate banking, advisory services, treasury and market risk management, institutional investing, and research arms of Bank of Montreal and its affiliates provide their services. Depending on the context, "BMO Capital Markets" is used on this site to refer to the integrated investment banking services offered by BMO Nesbitt Burns Inc., BMO Nesbitt Burns Ltée/Ltd. (members of CIPF), BMO Capital Markets Corp. (member of SIPC), Bank of Montreal, Harris N.A., Bank of Montreal Ireland plc., BMO Capital Markets Limited, BMO Nesbitt Burns Securities Ltd. (member of SIPC), BMO Nesbitt Burns Equity Partners Inc., BMO Nesbitt Burns Equity Group (U.S.), Inc., BMO Nesbitt Burns Capital (U.S.), Inc., and BMO Nesbitt Burns Equity Investments (U.S.), Inc. Alternatively, "BMO Capital Markets" is also used to refer to any or some of the individual corporate entities that comprise the BMO Investment Banking Group.

For further information, you should refer to the appropriate corporate entity registered to do business in your jurisdiction.

Structured Products Legal Disclaimer

The information contained herein is for information purposes only and does not constitute an offer to sell or a solicitation to buy the Notes or GICs referred to herein or investment advice. Complete information relating to an issue of Notes or GICs , including the risks of an investment in the Notes and disclosure on how the return is calculated, are included in the related Information Statement, Prospectus or Term Sheet, as applicable. The information contained herein is intended to be read in conjunction with the related disclosure document, relating to the Notes or GICs and will be qualified in its entirety by reference to such disclosure document relating to the Notes or GICs. Investors should consult their advisors before making any investment decisions.

Bank of Montreal makes no assurances, representations or warranties with respect to the accuracy, reliability or completeness of information contained herein. Furthermore, Bank of Montreal makes no recommendation concerning the suitability of investing in securities generally or the Notes in particular. No person has been authorized to give any information or to make any representation not contained in the related Information Statement, Prospectus or Term Sheet, as applicable, relating to the Notes and Bank of Montreal does not accept any responsibility for any information not contained in such disclosure document.

BMO Capital Markets Corp.

BMO Capital Markets Corp. is a direct, wholly-owned subsidiary of Harris Financial Corp. which is itself a majority-owned subsidiary of the Bank of Montreal.

Deals

Description of "Role" in deals listed on this website may refer to BMO Nesbitt Burns Inc., BMO Nesbitt Burns Ltée/Ltd., BMO Capital Markets Corp., or other affiliated members of BMO Financial Group.

BMO Bank of Montreal

Click here to read the legal statement for BMO Bank of Montreal .

Confidentiality

Absent the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. BMO Capital Markets 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 Capital Markets 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.

No Advice

The information provided on this web site is intended for informational purposes only and is not intended to constitute financial, accounting, legal or tax advice. Many factors unknown to us may affect the applicability of any statement or comment that we make on our web site to your particular circumstances. You should consult directly with a BMO Capital Markets professional or your other advisers before acting on any information on this web site.

Accuracy and Changes

Facts and information provided on this web site are believed to be accurate at the time they are posted. However, this web site could include inaccuracies, typographical errors, or out-of-date information. Changes may be made at any time to the information on this web site without prior notice. Please consult any office of BMO Capital Markets in your jurisdiction for complete and up-to-date information on products and services.

Calculators

Calculators or projections are provided for general illustrative purposes only and are not warranted to be accurate or complete.

Disclaimer of Warranty and Limitation of Liability

BMO CAPITAL MARKETS DOES NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION OR TOOL ON THIS WEB SITE NOR DOES IT MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE.

SUCH INFORMATION OR TOOL IS PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED CONDITIONS AND WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE MAY NOT APPLY TO YOU.

BMO CAPITAL MARKETS WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, LOST PROFITS OR LOSS OF PROSPECTIVE ECONOMIC ADVANTAGE, RESULTING FROM THE USE OR MISUSE OF THIS WEB SITE, OR THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH DAMAGES ARE REASONABLY FORESEEABLE.

No Solicitation

Nothing on this web site constitutes a solicitation or offer by BMO Capital Markets to buy or sell products or services of any kind whatsoever including without limitation securities or any other financial instrument of any issuer.

Disclosure of Interests

BMO Capital Markets may make a market or deal as principal in the securities, commodities or instruments mentioned in materials at this site or in options or other derivative instruments based thereon. In addition, BMO Capital Markets, or the shareholders, directors, officers and/or employees of the legal entities that comprise the BMO Investment Banking Group, may from time to time have long or short positions in such securities or in options, futures or other derivative instruments based thereon. One or more directors, officers and/or employees of the legal entities that comprise the BMO Investment Banking Group may be a director of the issuer of the securities mentioned at this site. BMO Capital Markets may have managed or co-managed a public offering of, or acted as initial purchaser or placement agent for a private placement of, any of the securities of any issuer mentioned at this site, or may from time to time perform investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

Applicable Agreements

All products and services of BMO Capital Markets are offered for sale subject to the terms of the applicable agreements. Please consult any office of BMO Capital Markets in your jurisdiction for complete and up-to-date information on products and services.

Applicable Jurisdiction

Any products or services mentioned on this web site are made available only in accordance with local law (including applicable securities laws) and only where they may be lawfully offered for sale.

US Residents

The information available on this Web site is not intended to be construed as an offer to sell or a solicitation to buy or sell any products or services of any kind whatsoever including without limitation securities or any other financial instrument in the United States of America or the territories or possessions thereof.

UK Residents

This website and any pages thereof are not directed at investors located in the UK , other than persons falling within the definition contained in Part VI Financial Services and Markets Act 2000 (Financial Promotion) Order 2001. Access to restricted parts of this site will only be granted to such persons located within the UK whom BMO Capital Markets is satisfied fall within that definition. Any other persons accessing or otherwise making use of this website for any reason, including the making of investment decisions, will not receive the protections of the UK regulatory system and in particular may not be eligible for the Financial Services Compensation Scheme in the UK .

Software Back-up

While every effort is made to ensure that any software provided on this web site 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.

Hyperlinks Are Not Endorsements

Links to other web sites or references to products, services or publications other than those of BMO Capital Markets on this web site do not imply the endorsement or approval of such web sites, products, services or publications by BMO Capital Markets. Linking to any other web site is at your sole risk.

Trade Marks Belonging to Bank of Montreal or Other Entities

®	"BMO" and the "M-bar roundel symbol" are registered trade marks of Bank of Montreal, used under licence.
®	"Y.I.E.L.D." and "bestLink Protected Deposit Notes" are registered trade marks of BMO Nesbitt Burns Corporation Limited, used under licence.
™	"BMO Capital Markets" is a trade mark of Bank of Montreal, used under licence. "Halyard Capital Fund", "Innovative Thinking Integrated Solutions", "MONEGY", "Nesbitt Burns Capital Markets", "RetirementEdge Income Portfolio", "Current Pay", "Deferral 5", "Deferral 10", "PrincipalPlus", "Armada Legacy", "Canadian Return Plus", "PARtNrs", "R.A.T.E.S. Deposit Notes", "R.O.C.", "C.O.R.E.", and "C.A.P.I.T.A.L."are trade marks of BMO Nesbitt Burns Corporation Limited, used under licence.

All other product and service marks mentioned on our web site are the trade marks of their respective owners. All BMO Nesbitt Burns trade marks used on this web site are used under licence.

Copyright BMO Nesbitt Burns Inc. 2009

We either own the intellectual property rights in the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on this web site (the "Content"), or have obtained the permission of the owner of the intellectual property in such content to use the content on this web site.

We grant to you a limited license to display the Content on your computer and print the Content on your printer solely for your own personal non-commercial use provided that you do not modify the Content and that you do not delete any of the proprietary notices.

© 2009 BMO Nesbitt Burns Inc. All Rights Reserved