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BMO Investment Services advisors help our clients shape their financial plan and reach their financial goals. Learn about getting access to brokerage. The Goldman Sachs Group, Inc. is a leading global financial institution that delivers a broad range of financial services across investment banking. BANK OF MONTREAL, CHICAGO BRANCH/CM BGC FINANCIAL L.P./BGC BROKERS L.P. BNP PARIBAS, NEW YORK BRANCH/BNP PARIBAS PRIME BROKERAGE CUSTODIAN.
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    1. Call & reportCall & reportCall us at 1-866-454-8910 to make a claim and book an appointment with a claims advisor at the nearest TD Insurance Auto Centre.
    2. Bring in your carBring in your carDrop your car off at the nearest TD Insurance Auto Centre4, meet with your claims advisor, and get a rental car,5 if eligible.
    3. Pick upPick upWe will contact you when your car is ready for pick up. It’s that simple.

    For all existing car claims, call your advisor or log into MyInsurance.


    Whether you lease, finance, or own your car, get the right coverage for your needs and feel confident during the claims process.

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    *10% Home Insurance Savings (Not available in Quebec)
    10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
    - a 5% Digital Discount for completing the home, condo or tenant insurance quote online. This Digital Discount will continue to be applicable upon policy renewal. Offer not available in Quebec.
    - a one-time 5% Buy Online Discount for completing the home, condo or tenant insurance purchase online. Both the Digital Discount and Buy Online Discount are applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape Offer may be changed, withdrawn or extended at any time without notice.

    5% Savings on Home Insurance; 10% Savings on Auto Insurance (Quebec only)
    Home Insurance: A one-time discount of 5% will be applied to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape
    Auto Insurance: A one-time discount of 10% will be applied to premiums charged for each of the following coverages: Civil Liability, Damage to Insured Vehicles (All Perils, Collision or Upset, Comprehensive and Specified Perils).
    Offer may be changed, withdrawn or extended at any time without notice.

    Conditions apply. Subject to eligibility rules.
    Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!

    1Nationally, 90% of all of our clients who belong to a professional or alumni (underwritten by SECURITY NATIONAL INSURANCE COMPANY) that have an agreement with us and who insure a home (excluding rentals and condos) and a car on June 25, 2021 saved $650 when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and may vary based on the client's profile. Savings vary in each province or region and may be higher or lower than $650, as further particularized below in the following list:
    • Atlantic - could save $440 or more
    • Quebec - could save $590 or more
    • Ontario - could save $640 or more
    • Alberta - could save $810 or more
    • Northwest Territories, Yukon, and Nunavut - could save $610 or more

    Due to Provincial legislation, auto insurance is not available in British Columbia, Manitoba and Saskatchewan

    2As of June 25, 2021, our customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insure their car with us and who meet the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, save an average of:

    30%, in Ontario
    20%, in Quebec
    20%, in Alberta, Yukon, Nunavut and North West Territories
    30%, in the Atlantic Provinces

    when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province and product. Savings are not guaranteed and vary based on the customer's profile, province/region and product

    3All you need to do is keep driving safely.

    4If there are no convenient TD Insurance Auto Centre locations near you, you can take your vehicle to one of our preferred shops.

    5If your coverage plan does not include rentals, this will be an additional expense.

    Conditions apply. Subject to eligibility rules.
    Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!

    Wide Horizons Solution® travel insurance is administered by RSA Travel Insurance Inc. and is underwritten by Royal & Sun Alliance Insurance Company of Canada. Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the city of edmond police department events policies.

    **Not available to residents of the province of Quebec.

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    Montreal (Quebec) H2P 1B6


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    What Are BMO Harris’ Hours?

    Banking / Banks

    Indianapolis - Circa May 2017: Signage and Logo of BMO Harris Bank.

    Jonathan Weiss /

    BMO Harris is the financial wing of the BMO Financial Group, with the BMO standing for Bank of Montreal. According to its website, BMO Harris is the eighth-largest bank in North America, with services catering to 12 million customers.

    What’s all this mean for its banking hours? Keep reading to find out:

    BMO Harris Hours on Normal Days

    Most BMO Harris branches keep pretty standard banking hours of 9 a.m. to 5 p.m. from Monday through Friday. But before heading to your local branch, call ahead or check online to confirm its specific operating hours.

    Also See: Bank of America’s Hours

    Is BMO Harris Open 7 Days a Week?

    BMO Harris doesn’t stay open seven days a week. While some branches open for a few hours on Saturday, the bank stays closed on Sundays. Here’s a quick glance at the normal schedule for BMO Harris bank branches:

    BMO Harris Hours
    Monday-Friday9 a.m. to 5 p.m.
    Saturday9 a.m. to 12 p.m. (not all branches are open, so call ahead)

    Although BMO Harris is only open for a short time on Saturday, it’s still a good usps office open today for customers who need to do banking on weekends.

    BMO Harris Hours for Holidays

    Because it’s headquartered in Canada, BMO Harris observes a slightly different holiday schedule than U.S. banks since it includes Canadian and provincial holidays. Below is a list of holidays BMO Harris typically observes, along with the relevant country.

    BMO Harris Holiday Schedule
    New Year’s DayBoth
    Martin Luther King, Jr. DayU.S.
    Presidents’ DayU.S.
    Good FridayCanada
    Victoria DayCanada
    Memorial DayU.S.
    Canada DayCanada
    Independence DayU.S.
    Labor DayBoth
    Columbus Day (Canadian Thanksgiving)Both
    Veterans Day (Remembrance Day)Both
    Thanksgiving Day (U.S.)U.S.
    Christmas DayBoth
    Boxing DayCanada

    If your BMO Harris branch operates in one of the countries that celebrate the above holidays, you can expect it to be closed that day. But it’s still a good idea to call ahead to confirm.

    Related: Full List of All Bank Holidays

    How To Bank With BMO Harris First national bank severna park Business Hours

    Even when a BMO Harris branch is closed you can still handle banking tasks. BMO Umpqua bank medford oregon offers customers these alternate ways to bank after normal business hours:

    • BMO Harris digital banking: BMO’s website and digital app let you access your accounts at any time and handle tasks such as viewing statements, paying bills and transferring funds.
    • BMO Harris bank by phone: You can also check your accounts by calling 888-340-2265.
    • ATMs: BMO Harris boasts more than 1,400 ATMs that let you withdraw cash, make transfers and check balances any time of day. You can also make deposits at some of the ATMs.

    Learn: How To Get Money Orders and Other Urgent Items When Your Bank Is Closed

    How To Contact BMO Harris Customer Service

    BMO Harris’ customer service number is the same as its bank-by-phone number: 888-340-2265.

    You can also fill out its help form by providing personal information and details on the type of problem or product you’re inquiring about. The bank should contact you within two business days.

    More on BMO Harris

    More on Bank Hours

    Information is accurate as of Dec. 3, 2021

    This content is not provided by BMO Harris. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by BMO Harris.

    About the Author

    Sean joined the GOBankingRates team bank of montreal brokerage 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.


    BMO InvestorLine is an online trading platform for self-directed investors who want to be in charge of their investment portfolios.

    If you are comfortable with buying and selling stocks and other investment products, the platform is fairly bank of montreal brokerage sign up, do your research, trade, and track your portfolio performance.

    That said, cost-conscious investors will quickly notice that the trade commissions on BMO InvestorLine are higher than average, and, you could save on fees by using alternative brokers.

    Also, a minimum of $5,000 in available funds is required for most accounts (excluding TFSA or RESP), so it may not be suitable for newbies who are looking to invest small amounts or their spare change.

    This BMO InvestorLine review covers its main features, benefits, fees, tools and research options, account types, and more.

    What is BMO InvestLine?

    BMO InvestorLine is an online investing service operated by the Bank of Montreal (BMO) Financial Group.

    BMO is one of the top banksin Canada and the oldest, given that it was founded in 1817.

    In addition to its self-directed investing platform, BMO also offers:

    • InvestorLine adviceDirect: An online trading service with access to personalized advice at an extra fee.
    • BMO Smartfolio: A robo-advisor service that invests your portfolio on autopilot using low-cost ETFs. This service comes with an annual management fee.

    The BMO InvestorLine App is available on the App Store and Google Play.

    BMO InvestorLine Accounts and Investment Types

    Investors can open various types of accounts, from registered to non-registered ones.

    The bank of montreal brokerage trading accounts available are:

    • Tax-Free Savings Account (TFSA)
    • Registered Retirement Savings Plan (RRSP)
    • Registered Education Savings Plan (RESP0
    • Registered Retirement Income Fund (RRIF)
    • Locked-in Retirement Accounts(LIRA, LIF, LRIF, LRSP)

    The non-registered trading accounts include cash, margin, business, non-profit organizations, estate, or formal trust accounts.

    Learn about how investment accounts work in Canada.

    This platform is not short on the securities you can hold inside your account. It offers:

    • Stocks
    • Exchange-Traded Funds (ETFs)
    • Mutual Funds
    • Fixed Income Assets including bonds, Guaranteed Investment Certificates (GICs), debentures, etc
    • Options

    BMO InvestorLine Trading Fees

    Trading fees and commissions on this platform are high compared to competitors such asCIBC Investor’s EdgeorWealthsimple Trade.

    Over time, paying high feescan erode your long-term returns especially when you are making frequent small trades.

    A flat $9.95/trade commission applies to stocksand ETFs using the online platform.

    If you place stock trades by telephone using a BMO representative, these fees apply:

    Stock PriceCanadian ExchangeU.S. Exchange
    $0-$0.2452.5% of principal value3% of principal value
    $0.25-$1.00$35 + ½ cent/share$39 + 2 cents/share
    $1.01-$2.00$35 + 2 cents/share$39 + 3 cents/share
    $2.01 – $5.00$35 + 3 cents/share$39 + 4 cents/share
    $5.01-$10.00$35 + 4 cents/share$39 + 5 cents/share
    $10.01 – $20.00$35 + 5 cents/share$39 + 6 cents/share
    $20.01 and over$35 + 6 cents/share$39 + 7 cents/share
    $30.01 and over$35 + 6 cents/share$39 + 8 cents/share

    For equity trades with a principal value of $2,000 or less, a minimum commission of $43 CDN/USD applies.

    Options cost $9.95 plus $1.25 per contract.

    When you place options trades by telephone through a BMO InvestorLine representative, the applicable fees are:

    Option PriceCommission per contract
    $0-$2.00$35 + $1.50
    $2.01 – $3.00$35 + $2.00
    $3.01 – $4.00$35 + $2.50
    $4.01 – $5.00$35 + $3.00
    $5.01 and over$35 + $3.50

    Options trades with a principal value of $2,000 or lower attract a $43 USD/CAD minimum.

    More than 9,000 mutual fundsare available on the platform and they can be bought or sold with no commissions.

    A minimum purchase amount ranging from $100 to $25,000 may apply to mutual fund purchases. Bank of montreal brokerage, an early redemption fee of $35 or more may apply to funds held for less than 90 days.

    Commissions on bonds, T-bills, GICs, and strip coupons are included in the quoted price.

    Gold bullion deposit has a $35 + $1.00/oz commission, and it is $35 + $0.10/oz for silver bullion. Similar fees apply to gold and silver certificates.

    Trades involving a foreign currency conversion pay a spread of up to $1.75% in addition to other fees and commissions.

    BMO InvestorLine Account Fees

    Non-registered accounts with a balance of less than $15,000 pay a $25 quarterly account maintenance fee.

    For registered accounts (such as TFSA or RRSP), an annual $100 fee applies if your balance is less than $25,000.

    This quarterly fee is waived for clients who also hold a registered account or who have made 2 or more commissionable trades in the past 6 months.

    Other general account fees include:

    • Account transfer out: $150
    • Mailed paper statement: $2/month
    • Internal transfers for non-registered account: $25
    • Security registration fee: $50/security
    • RRSP/RRIF deregulation: $50

    BMO InvestorLine Trading Platform and Tools

    BMO InvestorLine offers a platform that meets the needs of new and experienced investors alike.

    It has a mobile app that works for trading on the go, and a web interface you can access on a computer.

    The basic trading platform supports alerts, watchlists, interactive charts, stock, screeners, and trading tools.

    The screeners allow you to filter investments based on multiple criteria including Environmental, Social, Governance (ESG) features, volatility, and more.

    And, clients can access research reports from MorningStar, Thompson Reuters, and S&P Global Ratings.

    BMO Market Pro is available to active traders who make 75 or more trades per quarter. This advanced trading platform offers real-time streaming data, U.S. and Canadian options trading, and a customizable dashboard.

    You can also access BMO Market Pro if you keep a minimum account balance of $2 million.

    BMO has a 5 Star Program with lower account fees, real-time data, dedicated support, and discounts for eligible investors.

    To be eligible for this program, you must make at least 15 trades per quarter or invest a minimum of $250,000.

    The BMO 5 Star Program has three membership tiers:

    • Gold Star: Invest $250,000+ or make 15-74 trades per quarter
    • Platinum Star: Invest $2 million+ or make 75-179 trades per quarter
    • Platinum Star: Invest $5 million+ or make 180+ trades per quarter

    BMO InvestorLine adviceDirect

    If you want the hands-on approach of self-directed investing while having access to professional investment advice when needed, adviceDirect may be for you.

    This service offers:

    • 24/7 portfolio monitoring
    • Personalized investment advice
    • Trade recommendations
    • Advisor support

    You need a minimum deposit of $50,000 to open an adviceDirect account and annual fees apply as follows:

    • A $750 flat fee for accounts between $50,000 and $100,000
    • 0.75% for assets between $100,000 and $500,000
    • $3,750 maximum fee for accounts that are $500,000+

    BMO Smartfolio

    Online wealth management services or robo-adivisors are a middle-ground between self-directed investing and costly mutual funds.

    BMO’s robo-advisor service, BMO SmartFolio, offers automatic rebalancing, ETF portfolios, free financial advice, and hands-free investing at a lower cost compared to traditional wealth management fees (up to 2% or higher).

    SmartFolio has a 0.40% to 0.70% annual management fee. In comparison, Questwealth and Wealthsimple Invest (both robo-advisors as well) have fees ranging from 0.25% to 0.50%.

    Other competing robo-advisors in Canada are CI Direct Investingand RBC InvestEase.

    Is BMO InvestorLine Safe and Legit?

    BMO is a Big 5 bank in Canada and one of the largest banks in North America.

    It is a member of the Canadian Investor Protection Fund (CIPF) and is regulated by the Investment Industry Regulatory Organization of Canada (IIROC).

    CIPF membership means that your account is protected against insolvency by up to $1,000,000.

    BMO also offers a 100% electronic banking guarantee for personal banking customers. This means that losses to your personal bank accounts resulting from unauthorized transactions through BMO Online and Mobile banking are reimbursed (terms and conditions apply).

    BMO InvestorLine Pros and Cons

    Below are some of the benefits and downsides of the BMO InvestorLine platform.


    • Robust trading platform and research tools for active traders.
    • Access to investment advisors via the adviceDirect service option.
    • Flat fee pricing and discounts are available when you have a large account balance.
    • Variety of account types and investment.


    • Higher than average trading commissions. You will get lower fees with Questradeor Wealthsimple Trade.
    • Advanced trading tools, support and discounts target active investors and those with a large portfolio.
    • The $25 quarterly fee for a non-registered account with less than $15,000 invested and the $100 annual fee for registered accounts with less than $25,000 adds up.
    • A $5,000 minimum is needed to open most accounts, squeezing out newbies who are looking to start small
    • The BMO InvestorLine mobile app is poorly rated by users.

    BMO InvestorLine vs. Alternative Trading Platforms

    Find out how BMO InvestorLine compares to competing trading platforms such as RBC Direct Investing, Questrade, and Wealthsimple Trade.

    BMO InvestorLineTD Direct InvestingWealthsimple TradeQuestrade
    Stock and ETF trading fee$9.95/trade  $9.99/trade $0$4.95 – $9.95/trade
    Options/contract$9.95 + $1.25$9.99 + $1.25N/A$9.95 + $1
    Commission-free ETFsNoNoYesYes ( purchases only)
    Standard Trading fee discountNone$7/trade for active traders (stocks)N/A (no trading fees)$4.95/trade for active traders (stocks)
    Types of accountsTFSA, RRSP, RRIF, RESP, LIRA, margin, corporate, non-profit, formal trustTFSA, RRSP, RRIF, RESP, RDSP, marginTFSA, RRSP, personal non-registeredTFSA, RRSP, RESP, LRSP, LIRA, RRIF, LIF, margin, corporate, partnership
    Minimum Investment$5,000 minimum for most accountNoneNo minimum balance$1,000
    Maintenance fee$25/quarter if balance less than $15,000 (non-registered) or $100/year if balance less than $25,000 (registered)$25/quarter if balance is $15,000 or lessNoneNone
    PlatformWeb and mobile appWeb and mobile appWeb and mobile appWeb and mobile app
    Transfer fees waived?Up to $200Up to $150 with transfers of $25,000+Up to $150 on transfers of $5,000+Up to $150/account
    Other featuresAccess to paid investment advice via adviceDirectHas dedicated platform for U.S. options tradingAccess to low-cost robo-advisor (Wealthsimple Invest) and HISAAccess to low-cost robo-advisor (Queswealth)
    PromotionN/AN/AGet a $50 cash bonus with Wealthsimple Trade when you trade $150+Get $50 in free trades with minimum $1,000 deposit; or invest $10,000 free for one year (with Questwealth)
    Learn more Learn moreLearn moreLearn more

    Is BMO InvestorLine For You?

    Self-directed investors can use this platform to buy and sell stocks, ETFs, mutual funds, bonds, GICs, and precious metals.

    It compares well with its competitors based on the accounts offered, investment types, research, and analysis tools.

    The $5,000 minimum investment balance required for most accounts eliminates this platform if you can only afford to invest using small contributions and are not opening a TFSA or RESP.

    If you are an experienced investor looking for access to advanced charting and streaming real-time data, you will need to make 75+ trades to qualify for the BMO Market Pro platform. Alternatively, an account balance of $2 million or more can get you this perk.

    If you are looking for priority support, active trading and/or a high account balance are required as well.

    Overall, BMO InvestorLine appears to be better suited to active traders and high net worth investors.

    BMO InvestorLine FAQs

    How do I open a BMO InvestorLine account?

    The application process can be started online and takes about 20 minutes. You will need your social insurance number, one piece of government-issued photo ID, your employment details, banking information, and at least $5,000 in available funds (excluding TFSA or RESP).

    How do I fund my BMO InvestorLine account?

    You can transfer funds to your account from your BMO bank account or from another financial institution. You can also transfer existing investments from another financial institution.

    What is the minimum balance requirement?

    You will need to deposit or transfer at least $5,000 to your account after it has been approved. The minimum balance requirement does not apply to TFSA or RESP accounts.

    How do I contact BMO InvestorLine?

    You can reach them by phone at 1-888-776-6886. You can also fill out a questionnaire to have them call you within 24 hours.

    Are you a current BMO InvestorLine client? Let us know about your experience with the platform in the comments.

    BMO InvestorLine Review


    BMO InvestorLine is a discount brokerage platform offered by Bank of Montreal. This BMO InvestorLine review covers its benefits, fees, platforms, downsides and alternatives.


    • Robust trading platform for active traders.
    • Access justice credit card login capital one paid professional advice via adviceDirect.
    • Discounts for traders with large accounts.
    • Access to multiple account types and investments.


    • Higher than average trading commissions. 
    • Advanced trading tools target those with a large portfolio.
    • A $25 quarterly fee for accounts with less than $15K to $25K.
    • $5,000 minimum account requirement for most accounts
    • A poorly rated mobile app.

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      New at Interactive Brokers



      Trade Crypto for Less Coin through Interactive Brokers

      While other cryptocurrency exchanges and brokers charge trading fees as high as 2.00% of trade value or more, and add spreads or markups to the cryptocurrency price, cryptocurrency trading with Paxos on Interactive Brokers’ platform has a low commission of just 0.12% to 0.18% of trade value1 with a USD 1.75 minimum per order (but the minimum is subject to a cap of 1% of trade value). Plus, there are no added spreads, markups, or custody fees.

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      Cryptocurrency trading for advisors

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      1. Rated Lowest Cost Broker by Annual Online Review 2020. Read the full review.
      2. IBKR Lite provides commission-free trades in US exchange-listed stocks and ETFs. For complete information, see
      3. Lower investment costs will increase your overall return on investment, but lower costs do not guarantee that your investment will be profitable.
      4. Average net benefit is calculated using IHS Markit® price improvement and IBKR monthly execution statistics. For more information see
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      Dear Clients, Business Partners, and Colleagues of Interactive Brokers,

      IBKR has been on the leading edge of financial services technology throughout its 35 year history and we have always taken pride in the innovative ways we bring a high value, high integrity, safe service to our clients around the world.

      The COVID-19 Global pandemic has triggered unprecedented market conditions with equally unprecedented social and community challenges. Like many people, companies and governments around the world, we have focused on how to navigate these uncharted waters.

      We are committed to ensuring the highest levels of service to our clients so that they can effectively manage their assets, portfolios, and risks.

      We are satisfied that our technical infrastructure has withstood the challenges presented by the extraordinary volatility and increased market volume. We understand that the dramatic increase in service inquiries has led to longer wait times, which has no doubt been frustrating. We encourage our clients to explore the wide range of online information services we provide on our public website and the Client Portal.

      • We traditionally take a conservative stance to risk and we have built risk management systems designed to weather even the current market turmoil. The financial health of the Interactive Brokers Group, and all of its affiliates, remains robust.
      • We are a truly global broker, with offices and staff located around the world. We have the ability to run the business from a variety of our locations with minimal risk of disruption. If some offices must temporarily close due to the spread of COVID-19, we can continue to offer our core services from other offices.
      • We have been taking steps to protect the well-being of our employees, incorporating health and safety best practices into our strategy as rapidly as possible following published government guidelines. Our employees are an integral part of the IBKR community and are essential to our future.

      We city bank lubbock texas phone number your business and the faith you have placed in us, and most importantly, we wish you safe passage through these uncertain times.


      Milan Galik

      President and CEO, Interactive Brokers Group


      Career Opportunities Across the Globe

      These Terms and Conditions ("Terms and Conditions") are for the Bank of America Corporation ("Bank of America") website and those websites of its affiliates (collectively the "Sites") including Bank of America, N.A., Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc., Bank of America Capital Management and certain other affiliates enumerated herein (collectively "Affiliates") that are available through the Bank of America Sites and apply to all services, programs, information and products (collectively "Service") that you ("Client") may use or otherwise access from time to time through the Sites ("Agreement").


      Client agrees that any trade confirmation, account statement or other document delivered through the Sites by "clicking" on the designated spaces in or relating to such document shall be deemed to be "in writing" and to have been "signed" and delivered for all purposes by Client. Any record of such transaction or confirmation (including, without limitation, electronic records) shall be deemed to be "in writing." Client further agrees that it shall not contest the legally binding nature, validity or enforceability of any transaction, document or confirmation based on the fact that it has been executed by "clicking" on the designated spaces and expressly waives any and all rights it may have to assert such claim.

      Bank of America hereby grants to Client a worldwide, non-exclusive, non-sublicensable, non-transferable, non-assignable, personal right and license to access and use the Sites solely for Client's internal use in accordance with the terms of this Agreement. Client accepts the right and license granted herein to access and use the Sites solely in accordance with this Agreement and any rules or restrictions or procedures published by Bank of America on the Sites from time to time. Client acknowledges and agrees that the Sites, and all intellectual property and proprietary rights therein and thereto, anywhere worldwide, including such rights in copyrights, trademarks, service marks, trade dress, patents, patent applications and trade secrets and other proprietary and/or confidential information (collectively, "IP"), are the valuable property of Bank of America and/or its affiliates and licensors. Other than the license granted hereunder, Client obtains no rights to the Sites. Client may not access or use the Sites in any way that may infringe any IP right of Bank of America or its Affiliates or licensors. Client promptly shall notify Bank of America of any actual or threatened infringement or misappropriation of IP, or any portion thereof, of which it becomes aware. Client acknowledges and agrees that it will not use, or allow the use of the Sites in contravention of, and will comply with, any applicable laws, rules, regulations or interpretations (collectively, "Applicable Law").

      Client agrees that it will not, and will not authorize or permit any person ("Authorized Person") under its control, under any circumstance to:

      • sell, lease, transfer, recirculate, republish, redistribute, make available or otherwise provide access to the Sites, or any portion thereof or data thereon, to any person other than its Authorized Persons, including through oral, written, hand sanitizer on amazon electronic means whether as a demonstration or otherwise;
      • photocopy, download or otherwise reproduce in any medium any portion of the Sites, except that Client may download into Client's internal computer system, or print a hard copy of, content on the Sites, in whole or in part, provided that, in each case, all copyright and other proprietary notices are retained and complied with; or
      • alter, decompile or reverse engineer any software component of the Sites.

      All cost and expense of equipment, operating platforms, and software necessary to access and use the Sites, and the maintenance thereof shall be the sole responsibility of Client.

      No provision of these Terms and Conditions shall restrict Client from taking any action required by any Applicable Law, any self-regulatory organization or any governmental entity to which it is subject. Prior to taking any such action, Client shall, to the extent reasonably practicable given the then-current circumstances, notify Bank of America in writing thereof and consult with Bank of America regarding the steps to be taken to ensure compliance with Applicable Law.


      Client agrees to provide Bank of America with all information, cooperation and assistance, documents and data as shall reasonably be requested by Bank of America in order to enable Bank of America to comply with any and all Applicable Law. Client understands and agrees that Bank of America may report such information to regulatory authorities to the extent necessary, in its reasonable discretion, to comply with Applicable Law.


      Bank of America shall assign to each Authorized Person a unique User ID ("User ID") and a corresponding password and/or other access codes (each, an "Access Code") to enable Authorized Persons to access and use such functions within the Sites as Client shall authorize. Client shall (i) maintain, (ii) take appropriate steps to ensure that its officers and employees maintain, and (iii) inform all Authorized Persons of Client's obligation to maintain, the confidentiality of User IDs and Access Codes and the security of the Sites. Client shall not permit any person other than an Authorized Person to access or use the Sites on its behalf or to use any User ID or Access Code and shall educate and familiarize those Authorized Persons who access and/or use the Sites with Client's obligations under this Agreement. Client acknowledges and agrees that Client and/or its Authorized Persons may access the Sites through the World Wide Web or other Internet service which is not necessarily secure, and Bank of America does not warrant that such system is secure. Client agrees to be bound by all communications (and the consequences thereof) placed on, executed through or facilitated by the Sites that are accompanied by a valid User ID and a valid Access Code assigned to Client or an Authorized Person. Upon becoming aware of, or if Client suspects, a technical failure or any improper access to or use of the Sites or Access Codes by any Authorized Person or other person, Client shall promptly notify Bank of America of such occurrence, and shall, as promptly as practicable, to the extent any improper access or use is by an Authorized Person, take immediate actions to terminate such Authorized Person's access to and use of the Sites. Bank of America reserves the right to limit or terminate Client’s or any Authorized Person’s access to and use of the Sites immediately and without notice.


      Unless specifically identified as an offer to sell or a solicitation of any offer to buy, under no circumstances should any information on the Sites be used as or considered to be an offer to sell or a solicitation of any offer to buy the securities or any other instruments of Bank of America or any other issuer. Offers can only be made where lawful under applicable law. Any information, services, or securities offered via the Sites are intended to be available only to residents of Argentina, Brazil, Canada, France, Germany, Hong Kong, Ireland, Japan, Italy, Korea, the Netherlands, Singapore, the United States and the United Kingdom. The viewing or distribution of the Sites may be restricted by law in certain jurisdictions. Persons using the Sites are required to inform themselves about and observe any legal restrictions on the use of the Sites and any restrictions set forth in the Sites. The Sites do not constitute an offer of, or a solicitation to purchase any securities in any jurisdiction in which such offer or invitation would be unlawful. If you wish to obtain further details about any information contained through the Sites, there are several areas on the Sites that will provide you with contact information.


      Affiliates of Bank of America may make a market or deal as principal in the securities mentioned in these Sites or in options based thereon. In addition, Bank of America or its Affiliates, their shareholders, directors, officers and/or employees, 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 Bank of America or its Affiliates may be a director of the issuer of the securities mentioned at these Sites. Bank of America or its Affiliates 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 on the Sites, or may from time to time perform consulting, advisory, lease, loan solicitation, investment banking or other services for, or solicit investment banking or other business from, mentioned companies.

      ACCOUNT Bank of montreal brokerage information from Client’s account(s) at Bank of America or its Affiliates is accessible on the Sites and can be downloaded by Client ("Account Information"). While Bank of America and its Affiliates believe that this Account Information will be accurate at the time of access and/or downloading by Client, this information may have certain technical flaws, typographical errors or other inaccuracies. Additionally, the Account Information is subject to immediate change resulting from market conditions, price fluctuations and other related factors. Bank of America and its Affiliates expressly disclaim any responsibility or liability for the accuracy or use of such Account Information upon its being downloaded by Client and will not be liable for any difficulty, damage or inaccessibility of such information due to hardware or software incompatibility.


      Actual prices can be obtained only on a real-time, expressly agreed-upon basis. Any indicative valuations on the Sites are provided for information only. They are not an offer to enter into, transfer and assign or terminate any transaction, or a commitment by Bank of America or its Affiliates to make such an offer. An indicative valuation may differ substantially from an actual value. Such estimates do not necessarily reflect Bank of America’s or its Affiliates’ internal bookkeeping or theoretical model-based valuations. Certain factors, which may not have been assessed for purposes of these valuations, including, for example, notional amounts, credit spreads, underlying volatility, costs of carry or use of capital and profit, may substantially affect a stated valuation. Indicative valuations may vary significantly from indicative valuations available from other sources. While Bank of America and its Affiliates have obtained the information on which these evaluations are based from sources they believe are reliable, Bank of America and its Affiliates make no representations or warranties with respect to any indicative valuations. Prior to the execution of a Transaction based upon the Content of these Sites, Client is advised to consult with its broker or other financial representative to verify pricing information.


      Hypothetical or simulated performance results have inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are designed with the benefit of hindsight. Past performance is not indicative of future results; no representation is being made that any account will or is likely to achieve profits or losses similar to those shown.


      All materials at these Sites are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, or any copyright or proprietary notices. Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.


      Certain hyperlinks on the Sites may link websites maintained by the Affiliates, which are not to be considered a part of the Sites. Certain other links on the Sites to non-affiliated third-party sites may contain information over which we have no control. We take no responsibility for the content, accuracy, content, completeness, timeliness, current value or any aspect of the information on these sites and disclaim any liability to Client for it or for any consequence of your decision to use the links provided or your use of such information. Links to non-Bank of America sites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such sites. We also disclaim all liability and make no representations or warranties for any products or services sold or provided to Bank of America or its Affiliates by any third party. Your purchase of products or services through one of those other sites is subject to agreements and/or the terms and conditions in effect between Client and the providers of products and services at those other sites. Client agrees that it shall not bring a suit or claim against Bank of America or its Affiliates arising from or based on your purchase or use of products or services through those other sites. Links do not imply that Bank of America, its Affiliates or the Sites sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sites is authorized to use any trademark, trade name, logo or copyright symbol of Bank of America or its Affiliates.


      Bank of America or its Affiliates may make changes to the Sites and reserves the right to do so without prior notice to you. Client acknowledges that not all products and services bank of america high yield savings account or discussed in the Sites are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by Bank of America or its Affiliates.


      You agree to receive certain documents and information provided by Bank of America and its Affiliates through the Sites and/or through email provided to you via the Sites. This delivery will generally consist of certain Content on the Sites, and certain other documents relating to Bank of America and its Affiliate’s business. This electronic provision and delivery will be regarded by you as appropriate delivery pursuant to any delivery requirements under the various statutes and rules, where applicable, of the Securities and Exchange Commission, the National Association of Securities Dealers and any state or other jurisdiction. You acknowledge that you have the appropriate technological equipment to use the Sites and to receive email via the Internet and understand that your use of the Internet may incur certain operational costs such as monthly fees for a service provider. You agree to notify Bank of America or the applicable Affiliate in the event that you no longer desire to receive content through this delivery procedure and will allow a reasonable amount of time to permit proper delivery to you through other means.


      Client acknowledges that any information provided through the Sites is not intended to be a recommendation, offer or solicitation of any particular products or services. In addition, bank of montreal brokerage research, analysis and similar market information from non-affiliated third parties provided represent the views and opinions solely of the author or the indicated source. Bank of America and its Affiliates do not independently verify the accuracy or completeness of such information, nor does Bank of America and its Affiliates endorse any particular views expressed therein. Except for offering memoranda, Bank of America and its Affiliates disclaim any liability to Client for this information or for any consequence of your decision to use it. Client agrees that it shall independently confirm any such information presented through the Sites before relying on such information. Bank of America, its Affiliates and their respective employees, contractors, agents and various contributors to the Sites have no duty to correct or update any inaccurate or out-of-date information on the Sites.

      Client acknowledges that it is acting for its own account, and it has made its own independent decisions to enter into a Transaction and as to whether a Transaction is appropriate or proper for it based upon its own judgment and upon advice from such advisors as it has deemed necessary. Client is not relying on any communication (written or oral) of Bank of America or its Affiliates as investment advice or as a recommendation to enter into a Transaction; it being understood that information and explanations related to the terms and conditions of a Transaction shall not be considered investment advice or a recommendation bank of montreal brokerage enter into that Transaction. Further, Client has not received from Bank of America or its Affiliates any assurance or guarantee as to the expected results of a Transaction.


      The Sites may be used only for lawful purposes. Client’s conduct may be subject to local, state, national and international laws. Client agrees that it and any of its Authorized Persons shall comply with this Agreement, applicable laws, rules, regulations, ordinances and other similar national and international requirements of the ally dealer services login, state and province in which you are accessing and using the Sites.

      Client agrees to abide by applicable export control laws and not to transfer, by electronic transmission or otherwise, any content on the Sites subject to restrictions under such laws to a national destination prohibited under such laws, without first obtaining, and then complying with, any requisites government authorization. Client further agrees not to upload to the Sites any data or software that cannot be exported without prior written government authorization, including, but not limited to, certain encryption software. This assurance and commitment shall survive termination of these Terms and Conditions. Offices, residents and operations of your organization in Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria and any other countries that are the subject of sanctions by the United States Office of Foreign Asset Control or other general U.S. embargo restrictions are not permitted to access and use the Sites, and any such access and use is a violation of these Terms and Conditions.

      Upon request by Bank of America or its Affiliates, you agree to defend, indemnify and hold harmless Bank of montreal brokerage of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers from all liabilities, claims and expenses, including attorneys fees, that arise from a breach of these Terms and Conditions for which you are responsible, or from third-party claims arising from your use of the Sites. Bank of America and its Affiliates reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. Notwithstanding the foregoing, you are not required to indemnify Bank of America or its Affiliates for its own violations of applicable laws.


        The information contained here does not constitute a public offering or distribution of securities in Brazil and no registration or filing with respect to any securities or financial products available on the Sites has been made with Commisao de Valores Mobiliarios.


        The information contained here does not constitute a public offering or distribution of securities in Canada or any of its provinces. No registration or filing with respect to any securities or financial products available on the Sites has been made with any regulatory agency thereof.


        The Sites do not constitute a solicitation to enter into a transaction involving financial instruments, is not being distributed in the context of a public offer in France within the meaning of Article L. 411–1 of the Monetary and Financial Code, and has thus not been submitted to the COB for prior approval and clearance procedure. Any offers, sales or distribution of financial instruments through the Sites shall only be made in France to qualified investors (investisseurs qualifi?s) as defined in and in accordance with Article L. 411-2 of bank of montreal brokerage Monetary and Financial Code and d?cret no. 98–880 dated 1st October, 1998. The contents of the Sites may not be redistributed or reproduced (in whole or in part) by any User. The Sites are made available with the understanding that Users will make investment decisions for their own account with the conditions set out in d?cret no. 98–880 dated 1st October, 1998. By using the Sites, Users undertake not to transfer, directly or indirectly, any financial instrument acquired through the Sites to the public in France, other than in compliance with applicable laws and regulation. Services hereunder may be provided by Banc of America Securities, Limited, as agent or otherwise.


        The Sites are made available only to professional investors as such term is defined in the Securities Sales Prospectus Act.


        Access to the Sites is by invitation only to institutional investors. No information or material contained in the Sites is or should be construed as amounting to an offer to enter into any transaction or investment whatsoever. The information on these Sites is provided by the Hong Kong branch of Bank of America, N.A., and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of this Site is with the Hong Kong branch of Bank of America, N.A.


        Access to the Sites is by invitation only to professional investors.


        Access to the Sites is by invitation only to professional investors as defined in article 31 of CONSOB regulation no. 11522 of July 1, 1998.


        Access to the Sites is by invitation only to financial institutions as defined under the Law Concerning Foreign Securities Firms.


        Access to the Sites is by invitation only to professional investors with a valid password. The information contained here does not constitute a public offering or distribution of securities in Korea.


        Access to the Sites is by invitation only to professional market parties as defined in the Dutch Securities Transactions Supervision Act 1995. Securities or other instruments on these Sites are only offered to professional market parties.


        Access to the Sites is by invitation only to institutional investors. The information contained here does not constitute a public offering or distribution of securities in Singapore. The information in these Sites is provided by Bank of America Singapore Limited and is compiled from information prepared by subsidiaries and affiliates of Bank of America Corporation. Your agreement for the use of these Sites is with Bank of America Singapore Limited.



      Because some states or jurisdictions do not allow the exclusion or limitation of liability for certain damages, in such states or jurisdictions, the liability of the Bank of America, its officers, directors, employees, agents, contractors or other suppliers shall be limited in accordance with this agreement to the extent permitted by law.

      Neither Bank of America, its Affiliates nor any of their officers, directors, employees, agents, contractors or other suppliers shall be liable in any way, and you agree to indemnify and hold harmless Bank of America, its Affiliates and such persons for (1) any inaccuracy, error, or delay in, or omission of (a) any information on the Sites, or (b) the transmission or delivery of any information on the Sites; (2) any loss or damage arising from or occasioned by (a) any such inaccuracy, error, delay, or omission, (b) non-performance, (c) interruption of use of the Sites due bank of montreal brokerage to any negligent act or omission by Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers or to any "force majeure" (i.e., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, or equipment or software malfunction) or any other cause beyond the control of the Bank of America, its Affiliates, their officers, directors, employees, agents, contractors or other suppliers. You understand that Bank of America accepts no responsibility for security of information on the Internet.


      Banc of America Securities Limited has approved the Sites for the purpose of Section 57 of the Financial Services Act of 1986. Banc of America Securities Limited is regulated for the conduct of investment business in the United Kingdom by the Securities and Futures Authority Limited. No access to the Sites shall be given in the United Kingdom to Private Customers, as that term is defined under the rules of The Securities and Futures Authority Limited; and any investments will not be made by us to any Private Customer.


      Bank of America may make changes to this Agreement at any time, without prior notice to you. Your continued use of the Sites indicates your continued agreement to be bound by this Agreement, as changed from time to time. You should view these Terms and Conditions often to stay informed of changes that may affect you.


      This Agreement shall be governed by and construed under the law of the State of New York and the Federal law of the United States. You hereby consent and submit to jurisdiction in the Federal or state courts of the State of New York, U.S.A. You hereby irrevocably waive your rights to a jury trial.


      The Sites may, from time to time, provide Client with various licensed programs ("Licensed Programs") from third-party vendors ("Vendors") which have been licensed by Bank of America for Client use and/or which require Client to sign a third-party license agreement ("License Agreement"). In using the Licensed Programs, Client agrees that it will

      • protect any confidential information of Bank of America, its Affiliates or Vendors contained in the Licensed Programs;
      • restrict the use of the Licensed Programs by Client solely to conditions agreed upon in the Agreement and the License Agreement;
      • restrict the copying of Licensed Programs to that number reasonably required for Client use and backup purposes
      • include Bank of America and Vendor copyright and all other proprietary notices in the use of all Licensed Programs;
      • prohibit the sale, relicensing, leasing, rental, lending and transferring of Licensed Programs;
      • prohibit, and take reasonable measures to prevent, the decompiling, disassembly, reverse engineering or modification of Licensed Programs;
      • comply with all export laws in respect of Licensed programs;
      • disclaim any liability on the part of Vendors for damages, liabilities, costs or expenses incurred by Client in the use of License Programs; and
      • make all vendors a third-party beneficiary of all Client waivers, disclaimers, limitation of liabilities, confidentiality and IP provisions contained in the Agreement.


      "Bank of America Merrill Lynch" is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp., all of which are registered as broker-dealers and members of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. BofA Securities, Inc. and Merrill Lynch Professional Clearing Corp are registered as futures miss illinois america merchants with the CFTC and are members of the NFA. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured • May Lose Value • Are Not Bank Guaranteed.

      © 2021 Bank of America Corporation.

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