BMO NESBITT BURNS

A Guide to Your Statement of Accounts

A Guide to Your Statement of Accounts

Keeping track of the holdings in your portfolio is vital to your investment success. We ensure that you are always fully informed about your investments through comprehensive account statements, trade confirmations, online account access and the service of your Investment Advisor. In addition, you will be notified of important business and regulatory changes through statement bulletins, inserts or special mailings. Your BMO Nesbitt Burns Statement of Accounts is mailed each calendar quarter and each month in which there is account activity. Your account information is also available through Gateway, our online client information centre. Gateway provides twenty-four hour access to your account information, updated on a daily basis. You can check past transactions; access quotes on stocks, options and mutual funds; monitor your asset mix; and even connect online with your Investment Advisor. For more information about Gateway, take a tour at http://gateway.bmonesbittburns.com or, for a User ID and password, please contact your Investment Advisor. This brochure will help you understand the infor mation contained in your statement. Your Invest ment Advisor will also be pleased to answer any questions you might have about your statement.

Statement of account
A

The information at the top right hand corner of your statement includes the dates of the current and previous statements, your primary account number and contact information for your BMO Nesbitt Burns Investment Advisor and branch.

Account overview
B D
123-45678

This sum marizes the total market value of your accounts, for both the current month and the previous statement.

Bulletin board
C

Always refer to this area for timely information related to your investments (i.e. upcoming maturities, regulatory changes) or other items of interest, such as the US exchange rate used to calculate the value of securities in your account.

F G

Retirement account

The contribution summary details contributions in the first 60 days of the calendar year and those for the remainder of the year. Contributions to spousal plans are also shown. If you hold a RRIF account, this section will include year-to-date withdrawals.

Details of your investments

Summary of your investments

This section summarizes the market value of your holdings by cash and short-term investments, fixed income and related securities, and common equity and related securities. At a glance, you can see the percentage invested in each asset class.

To help you monitor your individual holdings, the quantity, average cost (see item J for more information), and market value of each is described in detail and grouped by asset type.

Fixed-income and related securities

Cash and short-term investments

The total value of cash and short-term investments is shown in this section.

Fixed-income holdings are listed by maturity date. You see the quantity of units held, average cost, current market price, and total market value for each security.

 I C  ommon equity and related

securities

Common equities and related securities are divided into separate categories (such as common equity, investment trusts, and other), so you can see the market value of each type. Within each group, the securities are listed alphabetically. For every security, you can view the quantity held, average cost, current price and market value.

must provide your Investment Advisor with the average cost of those securities in order for them to be reflected more accurately in your statement.

Custody/Segregated

The quantity of each investment held in custody on your behalf is listed here. These holdings are segregated from the operating assets of BMO Nesbitt Burns.

Average Cost

Monthly activity

This tax-adjusted amount may differ from the original cost of your investment because it incorporates the effect of reinvested distributions or dividends, and other corporate actions like spin offs and exchanges related to individual securities. For example, a mutual fund may distribute net capital gains from transactions to unitholders in the form of additional units. Investors who hold these mutual funds in taxable accounts are subject to tax in the year of the distribution. To prevent double I taxation when the units are eventually sold, the adjusted cost base (ACB) of units in the fund is automatically increased by an amount equal to the reinvested distribution. To determine your original cost, you can refer to your original purchase contract, fund company statement in the case of mutual fund investments (which tracks purchases, redemptions, switches and distributions) or, for further assistance, contact your Investment Advisor. In the event of a transfer or deposit of securities into your account, you

This section lists transactions or activities in the account for the statement period, including settlement date, type of activity, a description of the activity, quantity of securities involved, price, whether the activity is classified as income or expense, and the dollar value.

Statement Feedback
If you have any feedback on your BMO Nesbitt Burns Account Statement, we encourage you to share it with us. You can notify your Investment Advisor or forward your comments by: Email: contact@bmonb.com Fax: Mail: (416) 359-4977 BMO Nesbitt Burns Private Client Division, 1 First Canadian Place, 54th Floor, Toronto, Ontario M5X 1H3.

BMO (M-bar roundel symbol) is a registered trademark of Bank of Montreal, used under licence. Nesbitt Burns and Nesbitt Burns Gateway are registered trade-marks of BMO Nesbitt Burns Corporation Limited. BMO Nesbitt Burns Inc. and BMO Nesbitt Burns Lte are indirect subsidiaries of Bank of Montreal. / Trade-marks / registered trade-marks of Bank of Montreal, used under license.

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