Brochure 4 Panel

A line of credit can save
you hundreds of dollars
in interest compared to
retail credit cards.
Group
Banking Plan
For more information, or to take advantage
of these offers please bring this brochure
and confirmation of employment into any of
our branches or call BMO Bank of Montreal at
1-877 CALL BMO.
Special offers await
you as a valued
employee of
Sample Co
We understand that your
OFFERS
Mortgage
• Please visit your nearest BMO Bank of
Montreal branch or call 1-877 CALL BMO
for your preferred rates.
Homeowner
ReadiLine®2*
• At Prime3 for revolving or variable rate
installment portion. Fixed rate is set at
current mortgage rates (1-7 & 10 year terms)
Personal
Loan Plan*
• 1% off a new fixed or variable rate
Personal Loan Plan4
Personal
Line of
Credit*
• Minimum of 0.5% off our competitive
rates on unsecured Personal Lines
of Credit5
RRSP Loans*
• As low as Prime3 (5.00% as of
Jan. 6, 2006)
• Available throughout the year
Mosaik®
MasterCard®†
card
• 5.9% introductory rate on all
transactions for 6 months**. To apply
visit mosaikcard.com/offer (enter code
"groupplan") or call 1-800 263-2263 and
ask to apply for a MasterCard, quote
member # 343001 and offer code
RQPE000039.
BMO Term
Investments
• 0.5% interest bonus on an eligible BMO Term
Investment when you invest $1,000 or more6
FirstBank®
Chequing
Account
• Everyday Banking Plan fee waived for
3 months on a new account7
1*
circumstances and goals are
unique. That's why our experts
can help customize a financial
Or contact:
(First Name) (Last Name)
BMO Bank of Montreal
Bay & Bloor
55 Bloor St. W., 4th Floor
Toronto, ON M2N 5X3
Tel. (416) 927-2300
Cell (416) 927-2300
Fax (416) 927-2300
[email protected]
PRODUCT
solution to meet your needs.
Whether you're planning to buy a new
home, invest in your future or need help
managing your day-to-day finances, our
knowledgeable experts and flexible
products and services can help you save
money both today and in the long run.
Our experts will provide you with a no
obligation, comprehensive review of
your finances and investments. Based
on your individual needs, your solution
(01/06)
could include any of the offers listed in
this brochure.
We invite you to take advantage of this
offer before March 1, 2006.
Achieve your goals and
manage expenses
Owning a home
Our mortgages provide you with the
flexibility to adapt to life's changes.
• Whether you wish to be mortgage free
faster or make room for a growing family
you can take advantage of our mortgage
options to best suit your needs.
• If you have a mortgage elsewhere you
can switch it to BMO Bank of Montreal ®
for free. We charge no legal, appraisal
or transfer 8 fees.
• If you need to upgrade or renovate, our
lines of credit and loans can offer you
affordable access to credit that can help
make your house a home.
Investing in the future
• Whether you're a novice or expert
investor, we can help you accumulate,
grow and protect your assets.
• Our dedicated investment professionals 9
will provide a complimentary financial
review or work with you to create
a personalized investment and
retirement plan.
• If you are confident managing your own
investments, BMO InvestorLine® has the
tools and resources to help you map out
your financial future.
Our Premium Rate Savings
account can provide you with
competitive rates of return
without locking in your funds.
Managing day-to-day expenses
We have solutions that can help you
manage your expenses and keep your
monthly costs down.
• Mosaik MasterCard lets you choose the
reward program, special features and
interest rate plan that fit you best. You
can even choose your card design.
• Access funds conveniently with the line
of credit that suits you best.
• Our Everyday Banking Plans help you
maximize savings, giving you a wide
range of options for one fixed monthly
fee for an unlimited number of accounts.
Plus, by keeping a specified minimum
monthly balance at all times in your
FirstBank Chequing account you can
eliminate the monthly Plan fee.
* Subject to meeting the Bank's usual credit criteria. All offers including
special rates subject to change without notice. ** The ongoing interest rate
will apply at the end of the 6-month introductory interest rate offer and will
depend on the Interest Rate Plan you choose. 1 This offer cannot be used
in conjunction with any other mortgage rate reduction offer or closing
incentive. This includes Bank of Montreal's special low posted rate
promotions. 2 Bank of Montreal’s usual credit criteria must be met. Charges
may apply. Available only to Canadian Residents and must be secured
by a 1st mortgage over borrower’s principal residence. 3 Rate is subject to
change without notice. 4 This offer does not include collateral mortgages,
Conditional Sales Contracts, Personal Demand Loans, Canada Savings
Bonds Loans, Retirement Savings Plan Loans or Registered Education
Savings Plan Loans and cannot be used in conjunction with any other
personal loan interest rate reduction offer. 5 This offer cannot be used in
conjunction with any other Personal Line of Credit interest rate reduction.
6
Eligible BMO Term Investments include: BMO Redeemable Short-term
Investment BMO Term Deposit Receipts, BMO Short-term Investment
Certificates and BMO Guaranteed Investment Certificates (GICs). All other
BMO Term Investments are excluded from this offer. The 0.50% interest rate
bonus earned on a registered BMO Term Investment shall be applied to that
same registered account. This offer cannot be used in conjunction with any
other BMO Term Investment bonus offer. 7 This offer cannot be used in
conjunc- tion with other free Everyday Banking Plan offers. 8 Transfer fees
from your existing lender may apply. 9 Financial Planners, Investment &
Retirement Planning are representatives of BMO Investments Inc., a
financial services firm and a separate legal entity from Bank of Montreal.
10
Usual Bank of Montreal credit criteria must be met. Reward miles will be
issued once funds have been advanced. This offer cannot be combined with
any other. One Bonus offer per Collector Account only. 11 Average monthly
balance must be at least $5,000 to qualify for this reward. One reward mile
per $2,000 average monthly balance based on a $5,000 balance. 12 Usual
Bank of Montreal credit criteria must be met. Reward miles will be issued
once funds have been advanced. 13 A minimum of $25,000 in new or
switched mortgage funds must be advanced to qualify for this offer.
14
Offer cannot be combined with another offer. One Bonus offer per
Collector Account only. Reward miles will be awarded once a Homeowner
ReadiLine account has been opened. 15 Example only. Total reward miles
issued will vary depending on customer activity and offer. ***All rewards
offered are subject to the Terms and Conditions of the AIR MILES reward
program, are subject to change and may be withdrawn without notice.
® Registered trademark of Bank of Montreal. ®† Bank of Montreal is a
licensed user of the registered trade-mark owned by MasterCard
International. ®* Trademarks of AIR MILES International Trading B.V.
Used under license by Loyalty Management Group Canada Inc. and
Bank of Montreal.