Disclaimers

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Except as described below, mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Bank of Montreal guarantees that at least the original amount you paid for the fund unit will be paid back to you over a 20-year period in equal monthly instalments. This guarantee does not apply to units redeemed before the end of that period. You will receive the net asset value per unit for any unit redeemed early. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer.

®CI Investments, the CI Investments design, Cambridge, Harbour Advisors, Harbour Funds and CI Guaranteed Retirement Cash Flow Series are registered trademarks of CI Investments Inc. TMSignature Funds, Signature Global Asset Management, G5|20 Series and the G5|20 Series design are trademarks of CI Investments Inc. Cambridge Global Asset Management is a business name of CI Investments Inc. used in connection with its subsidiary, CI Global Investments Inc. Certain portfolio managers of Cambridge Global Asset Management are registered with CI Investments Inc.

BMO Financial Group and Bank of Montreal are marketing names (also referred to as trade names or brand names) used by Bank of Montreal. “BMO”, “BMO Financial Group”, “BMO Bank of Montreal Financial Group”, “Bank of Montreal” and “BMO Capital Markets” are trademarks owned by Bank of Montreal.

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