GETTING READY TO RETIRE

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security Number and Assets
• Account Balances and Employment Information
• Account Transactions and Wire Transfer Instructions

How?

All financial companies need to share customers’ personal information to run their everyday

business. In the section below, we list the reasons financial companies can share their

customers’ personal information; the reasons CTC | myCFO chooses to share; and whether you

can limit this sharing.

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

Yes

No

For our marketing purposes – to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates' everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes – information about your creditworthiness

Yes

Yes

For our affiliates to market to you

No

We don’t share

For nonaffiliates to market to you

No

We don’t share

To limit our sharing

Call Toll-Free: 1-866-966-1130
 

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call Toll-Free: 1-866-966-1130

How does CTC | myCFO

protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does CTC | myCFO

collect my personal information?

We collect your personal information, for example, when you:

• open an account or give us your contact information

• provide account information or seek advice about your investments
• enter into an investment advisory contract

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only: 
 

• sharing for affiliates' everyday business purposes-information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone at the same address in our records – unless you tell us otherwise.

Affiliates

Companies related by common ownership or control. They can be

financial or nonfinancial companies.
 

• Our affiliates include financial companies with a Bank of Montreal or BMO name; and financial companies such as BMO Harris Bank, N.A.

Nonaffiliates

Companies not related by common ownership or control. They can be

financial and nonfinancial companies.
 

• CTC | myCFO does not share with non-affiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that

together market financial products or services to you.
 

• CTC | myCFO does not jointly market.

For California Residents: We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by California law, such as to service your account. To authorize the sharing of this information, please call us toll-free at 1-877-225-3863. In addition, we will limit the sharing of information about you within the BMO family of companies to the extent required by California law. 

For Vermont Residents: We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by Vermont law, such as to service your account. We will not share within the BMO family of companies information about your creditworthiness without your authorization. To authorize this sharing please call us toll-free at 1-888-394-9178.

Nevada Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-394-9178. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101. Phone number: 1-702-486-3132; email: BCPINFO@ag.state.nv.us

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and employment information
• account transactions and transaction history
• credit history and investment experience

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons BMO Harris Bank N.A. chooses to share; and whether you can limit this sharing.

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

Yes

No

For our marketing purposes – to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates' everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes – information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don’t share

To limit our sharing

Call Toll-Free: 1-888-654-0063
 

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

• Call toll-free: 1-888-654-0063
• Talk to a banker at a BMO Harris branch
• Talk to your assigned account representative

How does BMO Harris Bank N.A. protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does BMO Harris Bank N.A. collect my personal information?

We collect your personal information, for example, when you:

• open an account or deposit money
• apply for a loan or use your credit or debit card
• seek advice about your investments

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only: 
 

• sharing for affiliates' everyday business purposes-information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone at the same address in our records.

Affiliates

Companies related by common ownership or control. They can be financial or non-financial companies.
 

• Our affiliates include financial companies with a Bank of Montreal or BMO name; and financial companies such as BMO Harris Bank, N.A.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• BMO Harris Bank N.A. does not share with nonaffiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
 

• Our joint marketing partners include credit card companies.

For California Residents: We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by California law, such as to service your account. To authorize the sharing of this information, please call us toll-free at 1-877-225-3863. In addition, we will limit the sharing of information about you within the BMO family of companies to the extent required by California law. 

For Vermont Residents: We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by Vermont law, such as to service your account. We will not share within the BMO family of companies information about your creditworthiness without your authorization. To authorize this sharing please call us toll-free at 1-888-394-9178.

Nevada Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-394-9178. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101. Phone number: 1-702-486-3132; email: BCPINFO@ag.state.nv.us

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security Number and Assets
• Account Balances and Employment Information
• Account Transactions and Wire Transfer Instructions

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons BMO Harris Financial Advisors (BHFA) chooses to share; and whether you can limit this sharing.

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.

Yes

No

For our marketing purposes – to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don’t share

For our affiliates' everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes – information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

No

We don’t share

To limit our sharing

Call Toll-Free: 1-888-394-9178

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call Toll-Free: 1-888-394-9178

How does BMO Wealth Management protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does BMO Wealth Management collect my personal information?

We collect your personal information, for example, when you:
 

• open an account or seek financial advice about your investments
• make deposits or withdrawals from your account
• enter into an investment advisory contract
• provide account information updates upon request from us

We may also collect your personal information from affiliates and other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only: 
 

• sharing for affiliates' everyday business purposes-information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

If you have a joint account, your choices will apply to everyone on your account – unless you tell us otherwise.

Affiliates

Companies related by common ownership or control. They can be financial or non-financial companies.
 

• Our affiliates include financial companies with a Bank of Montreal or BMO name; and financial companies such as BMO Harris Bank, N.A.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.
 

• BMO Harris Financial Advisors, Inc. does not share with non-affiliates so they can market to you.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
 

• BMO Harris Financial Advisors, Inc. does not jointly market.

For California Residents: We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by California law, such as to service your account. To authorize the sharing of this information, please call us toll-free at 1-877-225-3863. In addition, we will limit the sharing of information about you within the BMO family of companies to the extent required by California law. 

For Vermont Residents: We will not share information we collect about you with companies outside of the BMO family of companies except with your authorization or as permitted by Vermont law, such as to service your account. We will not share within the BMO family of companies information about your creditworthiness without your authorization. To authorize this sharing please call us toll-free at 1-888-394-9178.

Nevada Residents: Notice provided pursuant to state law. To be placed on our internal Do Not Call List, call 1-888-394-9178. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101. Phone number: 1-702-486-3132; email: BCPINFO@ag.state.nv.us