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Legal and Disclosures

All investing is subject to risk, including the possible loss of the money you invest. Diversification and asset allocation does not ensure a profit or protect against a loss.
 
Forward Looking Statements
The statements made herein take into account information currently available as well as historical trends. However, any forward-looking statement involves known and unknown risks, uncertainties and other factors that may cause the actual performance of future markets to differ materially from the projections depicted here. There can be no certainty as to the extent or depth of any market downturn, nor any assurance regarding the nature, extent or timing of markets rebounding, and past performance cannot be relied upon for future performance. When evaluating the information included in this website, you are cautioned not to place undue reliance on these forward-looking statements, which reflect judgments only as of the date of the materials creation.
 
Statements of Opinion Including Case Studies
The information and opinions expressed herein are obtained from sources believed to be reliable and up-to-date, however their accuracy and completeness cannot be guaranteed. Opinions expressed reflect judgment current as of the date of this publication and are subject to change. Opinions expressed are current as of the date of the materials and are subject to change.
The materials on this site should in no way be construed as investment advice nor a solicitation to buy or sell securities or insurance products and services. No investment actions should be implemented based on the materials presented herein.
 
Investment Risk
Investment involves risk. The value of an investment as well as income associated with investments is not guaranteed and may fluctuate. Accordingly, investments may decline below what was originally invested.

International Investing
International investing, especially in emerging markets, involves special risks, such as currency exchange, political and economic risks.

Alternative Investments
Alternative Investments involve a higher degree of risk because they may engage in leveraging or other speculative investment practices that may increase the risk of investment loss. Alternative investments can also be highly illiquid.
 
REITs
REITs may be subject to greater volatility than investments in traditional securities and pose special risks. The value of real estate and portfolios that invest in real estate may fluctuate due to losses from causality or condemnation, changes in local and general economic conditions, supply and demand, interest rates, property taxes, and regulatory limitations on rents, zoning laws, and operating expenses.
 
Commodities
Commodities may be subject to greater volatility than securities and pose special risks. Investments in commodities may be affected by changes in interest rates, and other factors such as weather, disease, embargoes and international economic and political developments.
 
High Yield Bonds
High yield bonds are lower grade bonds whose principal may be subject to greater fluctuation than investments in higher rated bonds. Use of these instruments may involve certain costs and risks such as liquidity risk, interest rate risk, and credit risk.
 
Indices
Index performance is shown as total return. You cannot invest directly in an index, but you can invest in securities that track an index. Index funds are weighted and so may not perform in unison with the index.
 
Professional Designations
CFP
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

CFA
Chartered Financial Analyst (CFA) charter is a professional designation established in 1962 and awarded by the CFA Institute. To earn the CFA charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA charterholders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. https://www.cfainstitute.org/programs/cfa. 
 
Website Terms of Use
Please read these Website Terms of Use carefully. By accessing this Website, (including, the websites of BMO Harris Bank N.A. and its affiliates operating in the United States, which collectively are referred to as "BMO Harris," with all such websites collectively being referred to as "this Website"), you agree to be bound by these Website Terms of Use. BMO Harris may amend these Website Terms of Use, from time to time without notice to you by posting the most recent version on this Website. Please access and review these Website Terms of Use regularly. If you find any of the terms or conditions of these Website Terms of Use unacceptable to you at any time, please discontinue your use of this Website. By continuing to access this Website after the date of any amendments to these Website Terms of Use, you agree to be bound by the amended Website Terms of Use.
Certain sections or pages on this Website may contain separate terms, conditions, disclosures or disclaimers, which are in addition to the Website Terms of Use. In the event of a conflict, the additional terms conditions, disclosures and disclaimers will govern for those sections or pages. These Website Terms of Use are in addition to those that apply to any accounts or services you may have with BMO Harris.
 
Use of the Website
You agree that you will not engage in any activities related to this Website that are contrary to applicable law, regulations or the terms of any agreements you may have with BMO Harris, its vendors, or other third parties in connection with your use of this Website. You further agree to establish commercially reasonable security procedures and controls to protect any of your confidential information. Further, you agree not to misuse this Website or its contents. This Website is intended for persons who are thirteen years old or older. If you are under 13, do not use this Website. If you need accommodations in order to use this Website, please contact our customer service staff by sending an e-mail to the e-mail address, or calling the telephone number, located at "Contact me" on this Website, or call your local BMO Harris branch.
 
Use of Information Included on this Website
All information provided on this Website is intended for informational purposes only. All information is believed to be reliable, but is not warranted to be accurate, timely or complete, nor is any information intended to constitute financial, accounting, legal or tax advice. Many factors unknown to BMO Harris may affect the applicability of any statement or comment made on the Website to your particular circumstances. You should consult directly with your tax or legal advisor or other financial provider before acting on any information on this Website. Investment services are not bank deposits or insured by the FDIC or other entity, and are subject to investment risks, including possible loss of principal amount invested.
 
Disclaimer of Warranty and Limitation of Liability
BMO HARRIS BANK N.A. AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION OR TOOL ON THIS WEBSITE OR ANY OTHER WEBSITE LINKED OR REFERENCED ON THIS WEBSITE, AND EXPRESSLY DISCLAIM LIABILITY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE OR ANY OTHER WEBSITE LINKED OR REFERENCED ON THIS WEBSITE.
SUCH INFORMATION OR TOOL IS PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING,WITHOUT LIMITATION, THE IMPLIED CONDITIONS AND WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE PROVISIONS REGARDING IMPLIED WARRANTIES MAY NOT APPLY TO YOU.
BMO HARRIS BANK N.A. AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, LOST PROFITS OR PROSPECTIVE ECONOMIC ADVANTAGE, RESULTING FROM ANY USE OR MISUSE OF THIS WEBSITE OR ANY OTHER WEBSITE LINKED OR REFERENCED ON THIS WEBSITE, OR RELIANCE ON THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT HEREOF OR THEREOF, IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, DELAY, DEFECT, VIRUS, SYSTEM FAILURE, OR ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND YOUR SITE ACCESSING PROGRAM, OR ANY PROBLEM CAUSED OUTSIDE BMO HARRIS BANK N.A. OR ITS AFFILIATES CONTROL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH ARE REASONABLY FORESEEABLE.
 
Security
Do not communicate confidential information to BMO Harris over the Internet, or request that BMO Harris communicate confidential information to you over the Internet. If you choose to communicate confidential information to BMO Harris over the Internet or request that BMO Harris communicate information to you over the Internet, BMO Harris will not be responsible for any losses or damages you may incur as the result of such communication.
Please see the Security link for more information.

Privacy
Please see the Online and Mobile Privacy Policy for more information.

Submissions
All information submitted to BMO Harris via this Website shall be deemed the property of BMO Harris. BMO Harris will be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this Website provides to BMO Harris through this Website. BMO Harris shall not be subject to any obligations of confidentiality regarding submitted information except as expressly agreed by BMO Harris executing a confidentiality agreement or as otherwise required by law.
Available Only Where Permitted by Law
The products and services described on this Website are only offered in jurisdictions where they may be legally offered for sale. This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
 
Hyperlinks are Not Endorsements
Links to other websites or references to other products, services or publications do not imply the endorsement or approval of such websites, products, services or publications by BMO Harris. Third party websites reached through links from this Website may also have privacy and security policies different from BMO Harris, and may provide less security. BMO Harris is not responsible for the collection, use, or security of information by companies outside of BMO Harris that may be linked to on this Website. If you choose to access any software available through links from this Website, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software. Please review the privacy and security policies of websites reached through links from this Website.
Trademarks BMO Harris Bank, BMO Harris and certain other words, symbols and logos used on this Website in connection with BMO Harris products or services are trademarks and trade dress of BMO Harris. Certain other words and symbols used to identify the source of third party goods and services are trademarks of their respective owners, including the third party trademarks listed below. The display of any such trademarks or trade dress on this Website does not imply that a license of any kind has been granted.
® Diners Club, Diners Club International with the Split Circle Device, Club Rewards, Carte Blanche, Club Cash, Global Vision and T+E Reconciler are registered trademarks of Diners Club International Ltd.
 
Copyright Notices
Copyright © 2020  BMO Harris Bank N.A. All Rights Reserved.
Any unauthorized downloading, re-transmission, display, distribution or other copying, or modification of any copyrightable matter in the above and/or the contents of this Website herein is strictly prohibited, and could subject those engaging in such activities to legal action.
All information at this Website is protected under the copyright laws of the United States and other countries. In addition, certain information may have been copyrighted by others. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish in any form, any information found at this Website. Inquiries about permission should be directed to:
BMO Harris Bank N.A.
Marketing Department 
111 West Monroe, 21 W 
Chicago, IL 60603
 
Patents
BMO Harris is licensed by DTC under U.S. Patent Nos. 5,910,988 and 6,032,137. BMO Harris holds a license to practice U.S. Patent Nos. 6,405,181; 6,567,791; 7,143,063; 6,795,812; and 6,324,524.
As of 11.19.2010
 
Enforceability
In the event any part of this Website is declared by any court or other judicial or administrative body to be null, void or unenforceable, said provision shall survive to the extent it is not so declared, and all other provisions of this Website shall remain in full force and effect.
 
Governing Law
Use of this Website shall be governed by applicable United States of America federal and state laws.