Client Charter

• Client Rights
• Client Responsibilities

Client Experience

Client Rights
As a BMO Nesbitt Burns client, you have the right to:

Work with an organization and an Investment Advisor committed to understanding your needs.
The investment advisory process starts with a commitment to Knowing Our Clients. Our Investment Advisors take the time to understand each client's unique financial situation and objectives. Based on this information, they recommend strategies to meet your needs and they have the responsibility to ensure that the strategies are appropriate for you.

Work with an Investment Advisor who conducts him or herself with high standards of professionalism and integrity at all times.
Client interests always come first. Professionalism and integrity mean that our Investment Advisors know you and your unique needs and that they follow regulations designed to protect all of our clients. Moreover, our commitment to putting clients first is demonstrated by our client account management and monitoring technology and by our supervisory system.

Access to qualified expertise to help you reach your financial goals.
As a full-service investment firm, BMO Nesbitt Burns is committed to providing clients with a wide range of wealth management expertise and services. Our Investment Advisors must complete comprehensive training and continuing education programs as their careers progress. They have access to best of class economic and market research, sophisticated software programs, tools and strategies as well as all the wealth management expertise offered by the BMO Financial Group.

Clear and comprehensive information about your accounts.
We ensure that you are always fully informed about your investments through comprehensive account statements, provided for each quarter and for every month there is activity in your account. You also have the ability to access your account information online at any time through our online client information centre. You will be notified of important business and regulatory changes through statement bulletins and inserts or special mailings.

Choices in how you work with us.
In accomplishing your financial needs and goals, you can choose the most appropriate services including: commission-based or fee-based programs; trade execution both through traditional means and online; managed account programs, should you prefer to delegate day-to-day investment decisions to specialized third party managers; and an extensive range of wealth management services from within BMO. We can also deliver customized strategies that integrate services such as retirement, estate, succession and insurance planning.

Efficient execution of transactions as well as handling of inquiries or complaints.
We are committed to ensuring that strategies and transactions are executed efficiently and accurately, with prompt reporting. At any time, you have the right to contact your Investment Advisor, Branch Manager, or BMO Nesbitt Burns' head office on any matter relating to your accounts. Any inquiry or complaint that you might have will be responded to in a thorough and timely
manner.

Privacy and confidentiality of your personal and financial information.
Your personal and financial information is kept confidential and is only used to administer and service your accounts. We do not make your information available to third party interests without your knowledge and consent. There are a full range of products and services available from BMO. With your consent, we use your personal information to recommend products and services available through the BMO Financial Group that are appropriate to your needs. That consent is your choice and within your control.

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.