Client Charter

• Client Rights
• Client Responsibilities

Client Experience

Client Responsibilities
As a full service firm, we need you to be aware of and meet certain obligations to help ensure a successful relationship:

A full and accurate description of your financial situation and objectives that will enable your Investment Advisor to assist you in developing your investment strategy.
In order to make suitable recommendations, your Investment Advisor needs to understand your overall personal and financial profile. The information that you should provide to your Investment Advisor prior to establishing your account or investment strategy includes your objectives, time horizon for investing, risk tolerance, investment knowledge and other general financial information that will assist your Investment Advisor in developing a strategy to meet your specific needs. Changes to this information or financial or life circumstances should be promptly discussed with your Investment Advisor in order to assess whether a change in your investment strategy is necessary.

It is important that you understand that there are risks associated with investing in the markets and you need to know what your level of risk tolerance is as an investor.
As an investor, it is critical that you understand and can accept the level of risk associated with all of your investments. Risk encompasses the markets and the economy generally. Risk tolerance may be affected by changes in personal financial and life circumstances. If you are uncertain about your risk tolerance, please discuss this with your Investment Advisor who can help you in identifying a level of risk with which you can feel comfortable.

Ensure that you carefully review and understand all account documentation, proposals, planning documents and other information that your Investment Advisor will be using to establish or make any changes to your account or investment strategy.

The final decision on an investment rests with you, unless you are participating in a third party money management program.
Transactions cannot be made without your approval and the final decision on whether to invest in a security rests with you. For that reason, it is important that you take the time to review the information provided to you and to ask questions about any areas of concern.

The prompt settling of the financial obligations resulting from your investment decisions is your responsibility (for example, paying for purchases within the required time period).
Before executing any transaction or embarking on your investment strategy, you should thoroughly understand the terms and conditions applicable to each type of account you use (e.g., cash, margin or options). This will ensure that you understand your responsibility to meet potential obligations, and that you understand the consequences of failing to meet these obligations.

Thoroughly review your account information and promptly report any errors or concerns to your Investment Advisor.
In order to ensure that any errors or problems are resolved quickly, you must review the confirmations of transactions and account statements that we provide to you, and promptly notify your Investment Advisor of any discrepancies or concerns. You must feel completely free to contact the Investment Advisor's Branch Manager or BMO Nesbitt Burns' head office at any time for assistance in resolving any such concerns.

Communicate regularly with your Investment Advisor.
In addition to notifying your Investment Advisor immediately of any change in your financial or personal circumstances, we recommend that you meet or communicate with your Investment Advisor periodically, in order to discuss your investment plan, portfolio, and progress toward your objectives.

For more information about our Charter of Client Rights and Client Responsibilities, or for any other information, please contact an Investment Advisor or Branch Manager or e-mail us.

If you would like a BMO Nesbitt Burns Investment Advisor to contact you, simply complete this brief contact form.