Bank of Montreal : Main Features of Regulatory Capital Instruments (December 1 2020)

December 01, 2020 at 08:43 am EST

Main Features Of Regulatory Capital Instruments

($ millions except as noted)

Issuer

2 3

Unique identifier (eg CUSIP, ISIN or Bloomberg identifier for private placement) Governing law(s) of the instrument

3aMeans by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)

Regulatory treatment

4 5 6 7 8

Transitional Basel III rules Post-transitional Basel III rules Eligible at solo/group/group&solo

Instrument type (types to be specified by each jurisdiction)Amount recognised in regulatory capital (Currency in mil, as of most recent reporting date)

9 10

Par value of instrument Accounting classification

11 12 13

Original date of issuance Perpetual or dated Original maturity date

14 15

Issuer call subject to prior supervisory approval

Optional call date, contingent call dates and redemption amount

Subsequent call dates, if applicable Coupons / dividends

Fixed or floating dividend/coupon

Coupon rate and any related index Existence of a dividend stopper

Fully discretionary, partially discretionary or mandatory Existence of step up or other incentive to redeem Noncumulative or cumulative

Convertible or non-convertible(1)

If convertible, conversion trigger(s)

If convertible, fully or partially

If convertible, conversion rate

If convertible, mandatory or optional conversion
28
If convertible, specify instrument type convertible into
29
If convertible, specify issuer of instrument it converts into

Write-down feature

If write-down, write-down trigger(s)
32
If write-down, full or partial
33
If write-down, permanent or temporary
34
If temporary write-down, description of write-up mechanism

34a

Type of subordination

Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)

36 37

Non-compliant transitioned features If yes, specify non-compliant features

Prospectus / Base Shelf Prospectus / Short Form ProspectusSupplement to Base Shelf Prospectus (if applicable)

Pricing Supplement (If applicable)

(1) The term "convertible" in the above table is interpreted to mean convertible into common shares. Certain of BMO's outstanding non-common capital instruments are convertible into different series of the same capital instrument.

Included in both regulatory capital and TLAC

Preferred Shares Class B - Series 25

Bank of Montreal

063679203 Canadian Federal and applicable Provincial laws

N/A

Additional Tier 1 Ineligible Group and Solo Preferred Shares

236

Shareholders' Equity

11-Mar-2011 Perpetual No MaturityYes

25-Aug-2021 Redemable at Par. No contingent call dates.

Every 5 yearsFixed

1.805% No

Fully discretionary No Non-cumulative Non-ConvertibleN/A

N/AN/AN/A N/A N/A No N/A N/A N/A N/ASubordinated DebtYes

Not NVCC compliant

Short Form Base ShelfProspectus - Jan 11 10

Prospectus Suppl.- Class B PrefShares - Series 25 & 26

Included in both regulatory capital and TLAC

Preferred Shares Class B - Series 26

Bank of Montreal

063679302 Canadian Federal and applicable Provincial laws

N/A

Additional Tier 1 Ineligible Group and Solo Preferred Shares

Shareholders' Equity

25-Aug-2016 Perpetual No MaturityYes

25-Aug-2021 Redemable at Par. No contingent call dates.

Every 5 yearsFloating

90 Day T-Bill +1.15% No

Fully discretionary No Non-cumulative Non-ConvertibleN/A

N/AN/AN/A N/A N/A No N/A N/A N/A N/ASubordinated DebtYes

Not NVCC compliant

Short Form Base ShelfProspectus - Jan 11 10

Prospectus Suppl.- Class B PrefShares - Series 25 & 26

Included in both regulatory capital and TLAC

Preferred Shares Class B - Series 27

Bank of Montreal

063679401 Canadian Federal and applicable Provincial laws

N/A

Additional Tier 1 Additional Tier 1 Group and Solo Preferred Shares

500

Shareholders' Equity

23-Apr-2014 Perpetual No MaturityYes 25-May 2019 Redemable at Par. No contingent call dates.

Every 5 yearsFixed 4.00% No

Fully discretionary No Non-cumulative Convertible

NVCC Triggers:

(a) the Superintendent of Financial Institutions publicly announces that the Bank has been advised, in writing, that the Superintendent of Financial Institutions is of the opinion that the Bank has ceased, or is about to cease, to be viable and that, after the conversion of all contingent instruments and taking into account any other factors or circumstances that are considered relevant or appropriate, it is reasonably likely that the viability of the Bank will be restored or maintained; or

(b) a federal or provincial government in Canada publicly announces that the Bank has accepted or agreed to accept a capital injection, or equivalent support, from the federal government or any provincial government or political subdivision or agent or agency thereof without which the Bank would have been determined by the Superintendent of Financial Institutions to be non-viable.

Will fully convert into common shares upon NVCC trigger event

Upon the occurrence of an NVCC trigger event, each outstanding Series 27 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Mandatory Common Shares Bank of Montreal No

N/A N/A N/A N/A

Subordinated DebtNo N/A

Short Form Base ShelfProspectus - Mar 13 14

Prospectus Suppl. - Class B PrefShares - Series 27

Page 1 of 6

Included in both regulatory capital and TLAC

Preferred Shares Class B - Series 29

Preferred Shares Class B - Series 31

Preferred Shares Class B - Series 33

Preferred Shares Class B - Series 35

Bank of Montreal

063679609 Canadian Federal and applicable Provincial laws

063679807 Canadian Federal and applicable Provincial laws

06367X200 Canadian Federal and applicable Provincial laws

06367X408 Canadian Federal and applicable Provincial laws

N/A

Additional Tier 1 Additional Tier 1 Group and Solo Preferred SharesAdditional Tier 1 Additional Tier 1 Group and Solo Preferred SharesAdditional Tier 1 Additional Tier 1 Group and Solo Preferred SharesAdditional Tier 1 Additional Tier 1 Group and Solo Preferred Shares

400

300

200

150

400

300

200

150

Shareholders' Equity

06-Jun-2014 Perpetual No Maturity

30-Jul-2014 Perpetual No Maturity

05-Jun-2015 Perpetual No Maturity

29-Jul-2015 Perpetual No MaturityYes

Yes

25-Aug-2019 Redemable at Par. No contingent call dates.

25-Nov-2019 Redemable at Par. No contingent call dates.

25-Aug-2020 Redemable at Par. No contingent call dates.

Redemable at a premium from 25-Aug-2020 to 24-Aug-2024. On or after 25-Aug-2024 redemable at Par. No contingent call dates.

Every 5 years

N/AFixed 3.90% NoFixed 3.80% NoFixed 3.80% NoFixed 5.00% No

Fully discretionary No Non-cumulative Convertible

NVCC Triggers:

Will fully convert into common shares upon NVCC trigger event

Upon the occurrence of an NVCC trigger event, each outstanding Series 29 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Upon the occurrence of an NVCC trigger event, each outstanding Series 31 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Upon the occurrence of an NVCC trigger event, each outstanding Series 33 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Upon the occurrence of an NVCC trigger event, each outstanding Series 35 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Mandatory Common Shares Bank of Montreal No

N/A N/A N/A N/A

Subordinated Debt

Subordinated DebtNo N/ANo N/ANo N/ANo N/A

Short Form Base ShelfProspectus - Mar 13 14

Prospectus Suppl. - Class B PrefShares - Series 29

Prospectus Suppl. - Class B PrefShares - Series 31

Prospectus Suppl. - Class B PrefShares - Series 33

Prospectus Suppl. - Class B PrefShares - Series 35

Page 2 of 6

Main Features Of Regulatory Capital Instruments

($ millions except as noted)

Included in both regulatory capital and TLAC

Preferred Shares Class B - Series 36

Preferred Shares Class B - Series 38

Preferred Shares Class B - Series 40

Preferred Shares Class B - Series 42

Bank of Montreal

06367X507 Canadian Federal and applicable Provincial laws

06367X705 Canadian Federal and applicable Provincial laws

06368A209 Canadian Federal and applicable Provincial laws

06367X887 Canadian Federal and applicable Provincial laws

N/A

600

500

400

600

500

400

Shareholders' Equity

Shareholders' EquityFixed 5.85% NoFixed 4.85% NoFixed 4.50% NoFixed 4.40% No

Fully discretionary No Non-cumulative Convertible

NVCC Triggers:

Will fully convert into common shares upon NVCC trigger event

Upon the occurrence of an NVCC trigger event, each outstanding Series 36 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Upon the occurrence of an NVCC trigger event, each outstanding Series 38 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Upon the occurrence of an NVCC trigger event, each outstanding Series 40 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Upon the occurrence of an NVCC trigger event, each outstanding Series 42 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Subordinated Debt

Subordinated DebtNo N/ANo N/ANo N/ANo N/A

Short Form Base ShelfProspectus - Mar 13 14

Short Form Base ShelfProspectus - Apr 13 16

Page 3 of 6

Included in both regulatory capital and TLAC

Preferred Shares Class B - Series 44

Preferred Shares Class B - Series 46

4.800% Additional Tier 1 Capital Notes

4.300% Additional Tier 1 Capital Notes

Bank of Montreal

06368B207 Canadian Federal and applicable Provincial laws

06368B108 Canadian Federal and applicable Provincial laws

06368B5P9

State of New York, the Province of Ontario and the laws of Canada

06368DJQ8 Canadian Federal and applicable Provincial laws

N/A

Additional Tier 1 Additional Tier 1 Group and Solo Additional Tier 1 Capital Notes

400

350

658

1,250

400

350

USD 500 Shareholders' Equity

1,250

Shareholders' Equity

17-Sep-2018 Perpetual No Maturity

17-Apr-2019 Perpetual No Maturity

30-Jul-2019 Perpetual No Maturity

09-Sep-2020 Dated 26-Nov-2080

Yes

Redemable on or after 25-November-2023 at Par. No contingent call dates.

Redemable on or after 25-May-2024 at Par. No contingent call dates.

Redeemable on or after 25-Aug-2024 at Par. No contingent call dates.

Redeemable on or after 26-Oct-2025 at Par. No contingent call dates.

Every 5 years

Every 6 months

Every 5 yearsFixed

Fixed

Fixed until August 25, 2024

Fixed until November 26, 2025

4.85% No

Fully discretionary No Non-cumulative Convertible

5.10% No

Fully discretionary No Non-cumulative Convertible

4.80% Yes

Fully discretionary No Non-cumulative Convertible

4.30% Yes Mandatory No Cumulative Convertible

NVCC Triggers:

(a) the Superintendent publicly announces that the Bank has been advised, in writing, that the Superintendent is of the opinion that the Bank has ceased, or is about to cease, to be viable and that, after the conversion of the Notes and all other contingent instruments issued by the Bank and taking into account any other factors or circumstances that are considered relevant or appropriate, it is reasonably likely that the viability of the Bank will be restored or maintained; or

NVCC Triggers:

Will fully convert into common shares upon NVCC trigger event

Will fully convert into common shares upon NVCC trigger event by virtue of recourse to the Preferred Shares Series 48

Upon the occurrence of an NVCC trigger event, each outstanding Series 44 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Upon the occurrence of an NVCC trigger event, each outstanding Series 46 Preferred Share would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Share Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Upon the occurrence of an NVCC trigger event, each outstanding note would be converted to a number of common shares equal to the quotient obtained by dividing (Multiplier x Note Value) by Conversion Price. Please refer to the Prospectus Supplement for further details.

Mandatory Common Shares Bank of Montreal No

N/A N/A N/A N/A

Subordinated Debt

Subordinated DebtNo N/ANo N/ANo N/ANo N/A

Short Form Base ShelfProspectus - May 23, 18

USD Prospectus - Apr 27 17

Short Form Base ShelfProspectus - May 23, 18

Prospectus Suppl. - Class B PrefShares - Series 44

Prospectus Suppl. - Class B PrefShares - Series 46

USD Prospectus SupplementJul 23 19

Prospectus Supplement -LRCN, Series 1

Page 4 of 6

Included in both regulatory capital and TLAC Subordinated Debentures - Series 20

Included in both regulatory Included in both regulatory Included in both regulatory capital and TLAC

capital and TLAC

Series H Medium-Term Notes - Second Tranche

Series I Medium-Term Notes

- First Tranche

Series I Medium-Term Notes

- Second Tranche

Bank of Montreal

063671BD2 Canadian Federal and applicable Provincial laws

06369ZBT0 Canadian Federal and applicable Provincial laws

06369ZCC64 Canadian Federal and applicable Provincial laws

06369ZCD4 Canadian Federal and applicable Provincial laws

N/A

Tier 2 Ineligible Group and SoloTier 2 Tier 2

Tier 2 Tier 2

Group and Solo

Tier 2 Subordinated Debt

146

961

1,242

833

150

1,000

1,250

850

Liability - amortized cost

15-Dec-1995 Dated

$25MM of total par amount matures on Dec 15th 2025,

2028, 2031, 2034, 2037 and

2040

08-Dec-2015 Dated 08-Dec-2025

31-May-2016 Dated 01-Jun-2026

31-May-2017 Dated 01-Jun-2027

Yes

Redemable on or after 15-Dec-2000 in the market, by tender or by private contract at any price. No contingent call dates.

08-Dec-2020 Redeemable at Par. No contingent call dates.

01-Jun-2021 Redeemable at Par. No contingent call dates.

01-Jun-2022 Redeemable at Par. No contingent call dates.

N/A

N/AFixed 8.25% N/A Mandatory No Cumulative Non-ConvertibleFixed until Dec 8, 2020

Fixed until Jun 1, 2021

3.34% N/A Mandatory No Cumulative Convertible

3.32% N/A Mandatory No Cumulative Convertible

Fixed until Jun 1, 2022 2.57%

N/A Mandatory No Cumulative ConvertibleN/A

NVCC Triggers:

N/A

Will fully convert into common shares upon NVCC trigger event

N/A

N/A N/A N/A No N/A N/A N/A N/AMandatory Common Shares Bank of Montreal No

Mandatory Common Shares Bank of Montreal No

N/A N/A N/A N/A

Senior Debt

Senior DebtYes

Not NVCC compliantNo N/ANo N/ANo N/A

Page 5 of 6

Included in both regulatory Included in both regulatory Included in both regulatory Included in both regulatory capital and TLAC

capital and TLAC

3.803% Subordinated Notes due 2032

4.338% Subordinated Notes due 2028

capital and TLAC Series J Medium-Term Notes - First Tranchecapital and TLAC Series J Medium-Term Notes - Second TrancheBank of Montreal

Bank of Montreal

Bank of MontrealUS06368BGS16

State of New York, the Province of Ontario and the laws of CanadaUS06368BQ686

State of New York, the Province of Ontario and the laws of Canada

06369ZCE2

Canadian Federal and applicable Provincial lawsCA06369ZCF95 Canadian Federal and applicable Provincial laws

N/A

Tier 2 Tier 2

Group and Solo

Tier 2 Subordinated Debt

1,772

1,219

996

1,248

USD 1,250

USD 850

1,000

1,250

Liability - amortized cost

12-Dec-2017 Dated 15-Dec-2032

05-Oct-2018 Dated 05-Oct-2028

16-Sep-2019 Dated 17-Sep-2029

17-Jun-2020 Dated 17-Jun-2020

Yes

15-Dec-2027 Redeemable at Par. No contingent call dates.

05-Oct-2023 Redeemable at Par. No contingent call dates.

17-Sep-2024 Redeemable at Par. No contingent call dates.

17-Jun-2025 Redeemable at Par. No contingent call dates.

N/A

N/AFixed

Fixed

Fixed until Sept 17, 2024

3.803% N/A Mandatory No Cumulative Convertible

4.338% N/A Mandatory No Cumulative Convertible

2.88% N/A Mandatory No Cumulative Convertible

Fixed until June 17, 2025 2.077%

N/A Mandatory No Cumulative Convertible

NVCC Triggers:

Will fully convert into common shares upon NVCC trigger event

Mandatory Common Shares Bank of Montreal No

N/A N/A N/A N/A

Senior Debt

Page 6 of 6

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	Bank of Montreal (Toronto Branch)	Bank of Montreal	Bank of Montreal
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	192371856	06367WHA4	06367WHA4

3	Governing law(s) of the instrument	Ontario and Canada	New York, Ontario and Canada	New York, Ontario and Canada
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD60	USD417	USD103
10	Accounting classification	Liability - amortised cost	Liability - amortised cost	Liability - amortised cost
11	Original date of issuance	19-Dec-2018	29-Jan-2019	5-Feb-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	19-Dec-2023	22-Jan-2021	22-Jan-2021
14	Issuer call subject to prior supervisory approval	N/A	N/A	N/A
15	Optional call date, contingent call dates and redemption amount	N/A	N/A	N/A
16	Subsequent call dates, if applicable	N/A	N/A	N/A
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Floating	Floating
18	Coupon rate and any related index	3.8485%	3m$L + 40bps	3m$L + 40bps
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)
25	If convertible, fully or partially
26	If convertible, conversion rate
27	If convertible, mandatory or optional conversion
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Prospectus - Sept 24,2018	USD Prospectus - Apr 2717	USD Prospectus - Apr 27 17

Supplement to Base Shelf Prospectus (if applicable)	NIP Prospectus Supplement- Dec 06, 2018	USD ProspectusSupplement - Sept 23 18	USD ProspectusSupplement - Sept 23 18
Pricing Supplement (if applicable)	Final Terms - Series 187 NIP	Pricing Suppl Series EUSD MTN Jan 25 19	Pricing Suppl. ReopenSeries E USD MTN Feb 0119

Main Features Of Regulatory Capital Instruments ($ millions except as noted)

Issuer

Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)

Governing law(s) of the instrument

Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)

Regulatory treatment

4 5 6 7

Transitional Basel III rules Post-transitional Basel III rules Eligible at solo/group/group&solo Instrument type

Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)

Par value of instrument Accounting classification Original date of issuance Perpetual or dated

13 14

Original maturity date

Issuer call subject to prior supervisory approval

15 16

Optional call date, contingent call dates and redemption amount

Subsequent call dates, if applicable Coupons/dividends

17 18 19

Fixed or floating dividend/coupon Coupon rate and any related index Existence of a dividend stopper

Fully discretionary, partially discretionary or mandatory Existence of a step up or other incentive to redeem Noncumulative or cumulative

Convertible or non-convertible

If convertible, conversion trigger (s)
25
If convertible, fully or partially
26
If convertible, conversion rate
27 28
If convertible, mandatory or optional conversion
If convertible, specify instrument type convertible into
29
If convertible, specify issuer of instrument it converts into

Write-down feature

If write-down, write-down trigger (s)
32
If write-down, full or partial
33
If write-down, permanent or temporary
34
If temporary write-down, description of write-down mechanism

34aType of subordination

35 36 37

Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument) Non-compliant transitioned features

If yes, specify non-compliant features

Prospectus / Base Shelf Prospectus / Short Form ProspectusSupplement to Base Shelf Prospectus (if applicable)Pricing Supplement (if applicable)

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	Bank of Montreal	Bank of Montreal	Bank of Montreal
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	XS1966819812	06367WJM6	06367WJN4

3	Governing law(s) of the instrument	Ontario and Canada	New York, Ontario and Canada	New York, Ontario and Canada
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD200	USD1,750	USD500
10	Accounting classification	Liability - amortised cost	Liability - amortised cost	Liability - amortised cost
11	Original date of issuance	22-Mar-2019	26-Mar-2019	26-Mar-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	22-Mar-2024	26-Mar-2022	26-Mar-2022
14	Issuer call subject to prior supervisory approval	N/A	N/A	N/A
15	Optional call date, contingent call dates and redemption amount	N/A	N/A	N/A
16	Subsequent call dates, if applicable	N/A	N/A	N/A
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Floating
18	Coupon rate and any related index	3.238%	2.900%	3m$L + 57bps
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)
25	If convertible, fully or partially
26	If convertible, conversion rate
27	If convertible, mandatory or optional conversion
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Prospectus - Sept 24,2018	USD Prospectus - Apr 27 17	USD Prospectus - Apr 27 17

Supplement to Base Shelf Prospectus (if applicable)	NIP Prospectus Supplement - Feb 28, 2019	USD ProspectusSupplement - Sept 23 18	USD ProspectusSupplement - Sept 23 18
Pricing Supplement (if applicable)	Pricing Supplement - Series 190 NIP	Pricing Suppl Series E USD MTN Mar 21 19	Pricing Suppl Series E USD MTN Mar 21 19

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	Bank of Montreal	Bank of Montreal	Bank of Montreal
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WMQ3	AU3CB0264968	AU3FN0049011

3	Governing law(s) of the instrument	New York, Ontario and Canada	New South Wales, Ontario and Canada	New South Wales, Ontario and Canada
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD1,000	AUD300	AUD450
10	Accounting classification	Liability - amortised cost	Liability - amortised cost	Liability - amortised cost
11	Original date of issuance	28-Jun-2019	17-Jul-2019	17-Jul-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	28-Jun-2024	17-Jul-2024	17-Jul-2024
14	Issuer call subject to prior supervisory approval	N/A	N/A	N/A
15	Optional call date, contingent call dates and redemption amount	N/A	N/A	N/A
16	Subsequent call dates, if applicable	N/A	N/A	N/A
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Floating
18	Coupon rate and any related index	2.500%	2.100%	3mBBSW + 100bps
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)
25	If convertible, fully or partially
26	If convertible, conversion rate
27	If convertible, mandatory or optional conversion
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	USD Prospectus - Apr 27 17	AUD Information Memorandum	AUD Information Memorandum
- Jul 08 19	- Jul 08 19

Supplement to Base Shelf Prospectus (if applicable)	USD ProspectusSupplement - Sept 23 18	N/A	N/A
Pricing Supplement (if applicable)	Pricing Suppl Series E USD MTN Jun 25 19	Pricing Suppl Series 6 AUD MTN Jul 17 19	Pricing Suppl Series 7 AUD MTN Jul 17 19

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	Bank of Montreal	Bank of Montreal	Bank of Montreal
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	CA06368B5B08	US06367WQD82	XS2053390600

3	Governing law(s) of the instrument	Ontario and Canada	New York, Ontario and Canada	Ontario and Canada
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	CAD1,750	USD500	GBP500
10	Accounting classification	Liability - amortised cost	Liability - amortised cost	Liability - amortised cost
11	Original date of issuance	25-Jul-2019	10-Sep-2019	18-Sep-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	29-Jul-2024	10-Sep-2021	18-Dec-2024
14	Issuer call subject to prior supervisory approval	N/A	N/A	N/A
15	Optional call date, contingent call dates and redemption amount	N/A	N/A	N/A
16	Subsequent call dates, if applicable	N/A	N/A	N/A
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Floating	Fixed
18	Coupon rate and any related index	2.280%	3m$L + 40bps	1.5000%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)
25	If convertible, fully or partially
26	If convertible, conversion rate
27	If convertible, mandatory or optional conversion
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	USD Prospectus - Apr 2717	NIP Prospectus - Sept 24,2018
Supplement to Base Shelf Prospectus (if applicable)	N/A	USD ProspectusSupplement - Sept 23 18	NIP Prospectus Supplement - Jul 11, 2019
Pricing Supplement (if applicable)	CAD Senior Term Sheet - Jul29, 2019	Pricing Suppl Series E USD MTN Sep 10 19	Final Terms - Series 192 NIP

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	Bank of Montreal	Bank of Montreal	Bank of Montreal
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	US06367WRC90	XS2063363662	XS2068976195

3	Governing law(s) of the instrument	New York, Ontario and Canada	Ontario and Canada	Ontario and Canada
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD500	EUR300	USD100
10	Accounting classification	Liability - amortised cost	Liability - amortised cost	Liability - amortised cost
11	Original date of issuance	21-Oct-2019	11-Oct-2019	23-Oct-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	1-Nov-2022	11-Oct-2021	23-Oct-2024
14	Issuer call subject to prior supervisory approval	N/A	N/A	N/A
15	Optional call date, contingent call dates and redemption amount	N/A	N/A	N/A
16	Subsequent call dates, if applicable	N/A	N/A	N/A
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Floating	Fixed
18	Coupon rate and any related index	2.0500%	3mEuribor + 70bps	2.3000%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)
25	If convertible, fully or partially
26	If convertible, conversion rate
27	If convertible, mandatory or optional conversion
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	USD Prospectus - Apr 2717	NIP Prospectus - Sept 24,2018	NIP Prospectus - Sept 24,2018
Supplement to Base Shelf Prospectus (if applicable)	USD ProspectusSupplement - Sept 23 18	NIP Prospectus Supplement - Jul 11, 2019	NIP Prospectus Supplement - Jul 11, 2019
Pricing Supplement (if applicable)	Pricing Suppl Series E USD MTN Oct 21 19	Final Terms - Series 196 NIP	Final Terms - Series 198 NIP

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	Bank of Montreal	Bank of Montreal	Bank of Montreal
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	CA06368DCV43	06367WYH0	06367WB85

3	Governing law(s) of the instrument	Ontario and Canada	New York, Ontario and Canada	New York, Ontario and Canada
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	CAD1,500	USD1,500	USD1,500
10	Accounting classification	Liability - amortised cost	Liability - amortised cost	Liability - amortised cost
11	Original date of issuance	17-Jan-2020	10-Mar-2020	27-Apr-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	3-Feb-2025	10-Mar-2023	1-May-2025
14	Issuer call subject to prior supervisory approval	at par on or after 03-Jan-2025	N/A	N/A
15	Optional call date, contingent call dates and redemption amount	at par on or after 03-Jan-2025	N/A	N/A
16	Subsequent call dates, if applicable	N/A	N/A	N/A
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Floating	Fixed
18	Coupon rate and any related index	2.370%	SOFR Index + 68bps	1.8500%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)
25	If convertible, fully or partially
26	If convertible, conversion rate
27	If convertible, mandatory or optional conversion
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities	Pari passu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	USD Prospectus - Apr 27 17	USD Prospectus - Apr 20 20
Supplement to Base Shelf Prospectus (if applicable)	N/A	USD Prospectus Supplement - Sept23 18	USD Prospectus Supplement -
Apr 20 20
Pricing Supplement (if applicable)	CAD Senior Term Sheet - Jan17, 2020	Pricing Suppl Series E USD MTN Mar 0520	Pricing Suppl Series F USD MTN Apr 22 20

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	194019769	198432458	06368B3A4

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 110.00	EUR10.0	1.685
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	15-Feb-2019	25-Apr-2019	7-May-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	15-Feb-2049	25-Apr-2039	7-May-2026
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	15-Feb-24	At Par on 25-Apr-2029	At Par on 7-May-2020
16	Subsequent call dates, if applicable	February 15 in each year commencing February 15 2024 up to but excluding the maturity date	N/A	At Par on November 07, 2020; May 07, 2021; November 07, 2021; May 07, 2022; November 07, 2022; May 07, 2023; November 07, 2023; May 07, 2024; November 07, 2024; May 07, 2025; November 07, 2025
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero coupon, 5.05% accrual rate	0.016	2.55%-3.00%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	NIP Prospectus - Sep 24, 2018	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	NIP Prospectus Supplement - Feb 28,2019	N/A
Pricing Supplement (if applicable)	Final Terms - Series 188 NIP	Final Terms - Series 191 NIP	Final Terms - CUSIP: 06368B3A4

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368B3F3	06368B4D7	06368B4L9

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	0.5	1.8	3.366
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	7-May-2019	12-Jun-2019	18-Jun-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	7-May-2025	12-Jun-2040	18-Jun-2024
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At Par on 7-May-2020	At Par on 12-Jun-2020	N/A
16	Subsequent call dates, if applicable	At Par on November 07, 2020; May 07, 2021; November 07, 2021; May 07, 2022; November 07, 2022; May 07, 2023; November 07, 2023; May 07, 2024; November 07, 2024	At Par on December 12th and June 12th starting December 12 2020 and ending December 12 2039	N/A
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Floating
18	Coupon rate and any related index	2.60%	0.0345	3 month Cdor + 0.44%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368B3F3	Final Terms - CUSIP: 06368B4D7	Final Terms - CUSIP: 06368B4L9

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368B5U8	06368B7K8	06368B7F9

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 5	0.151	0.5
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	22-Aug-2019	1-Oct-2019	1-Oct-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	22-Aug-2022	1-Oct-2022	1-Oct-2022
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 22-Aug-2020	At par on 1-Oct-2020	At par on 1-Oct-2020
16	Subsequent call dates, if applicable	At par on February 22, 2021; August 22, 2021; February 22, 2022	At par on April 01, 2021; October 01, 2021; April 01, 2022	At par on April 01, 2021; October 01, 2021; April 01, 2022
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.35%-2.75%	2.15%-2.50%	2.20%-3.00%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	Yes	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368B5U8	Final Terms - CUSIP: 06368B7K8	Final Terms - CUSIP: 06368B7F9
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WRG0	06368B8E1	06368B8L5

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 9.525	2	11.9
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	31-Oct-2019	5-Nov-2019	6-Nov-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	31-Oct-2029	5-Nov-2025	6-Nov-2024
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 31-Oct-2021	At par on 5-Nov-2020	On 6-Nov-2020
16	Subsequent call dates, if applicable	At par on the last calendar day of each January, April, July and October, commencing on October 31, 2021, up to and excluding the maturity date	At par on May 05, 2021; November 05, 2021; May 05, 2022; November 05, 2022; May 05, 2023; November 05, 2023; May 05, 2024; November 05, 2024; May 05, 2025	On May 06, 2021; November 06, 2021; May 06, 2022; November 06, 2022; May 06, 2023; November 06, 2023; May 06, 2024
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.60%-3.10%	2.75%-4.00%	2.74%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	Yes	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	USD Prospectus Supplement - Sep 2318	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06367WRG0	Final Terms - Cusip: 06368B8E1	Final Terms - Cusip: 06368B8L5
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368B8Q4	06368B8P6	06367WSB0

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	3.25	15	USD 33.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	6-Nov-2019	7-Nov-2019	8-Nov-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	6-Nov-2024	7-Nov-2026	8-Nov-2027
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	N/A	At par on 7-Nov-2020	On 8-Nov-2023
16	Subsequent call dates, if applicable	N/A	At par on May 07, 2021; November 07, 2021; May 07, 2022; November 07, 2022; May 07, 2023; November 07, 2023; May 07, 2024; November 07, 2024; May 07, 2025; November 07, 2025; May 07, 2026	On the 8th day of each Februrary, May, August, and November commencing on November 8, 2023, up to and exluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Floating	Fixed	Fixed
18	Coupon rate and any related index	3mo BA + 62 bps	2.80%-3.50%	2.38%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	Yes	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	USD Prospectus Supplement - Sep 2318
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368B8Q4	Final Terms - Cusip: 06368B8P6	Final Terms - Cusip: 06367WSB0
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368B8R2	207873667	06368B8W1

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	0.9	25	15
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	12-Nov-2019	12-Nov-2019	14-Nov-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	12-Nov-2024	12-Nov-2034	14-Nov-2024
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 12-Nov-2020	On 12-Nov-2021	At par on 14-Nov-2020
16	Subsequent call dates, if applicable	At par on May 12, 2021; November 12, 2021; May 12, 2022; November 12, 2022; May 12, 2023; November 12, 2023; May 12, 2024	On the 12th day of November of each year, commencing on 12 November 2021, up to and excluding the maturity date	At par on May 14, 2021; November 14, 2021; May 14, 2022; November 14, 2022; May 14, 2023; November 14, 2023; May 14, 2024
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.50%-3.00%	3.32%	2.50%-3.20%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	NIP Offering Circular - Jul 11, 2019	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	NIP Prospectus Supplement - Aug 28,2019	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368B8R2	Final Terms - Cusip: 207873667	Final Terms - Cusip: 06368B8W1
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368B8V3	06368DAC8	06368DAF1

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	15	10	0.5
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	14-Nov-2019	15-Nov-2019	18-Nov-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	14-Nov-2026	15-Nov-2029	18-Nov-2024
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 14-Nov-2020	On 15-Nov-2020	At par on 18-Nov-2020
16	Subsequent call dates, if applicable	At par on May 14, 2021; November 14, 2021; May 14, 2022; November 14, 2022; May 14, 2023; November 14, 2023; May 14, 2024; November 14, 2024; May 14, 2025; November 14, 2025; May 14, 2026	On May 15, 2021; November 15, 2021; May 15, 2022; November 15, 2022; May 15, 2023; November 15, 2023; May 15, 2024; November 15, 2024; May 15, 2025; November 15, 2025; May 15, 2026; November 15, 2026; May 15, 2027; November 15, 2027; May 15, 2028; November 15, 2028; May 15, 2029	At par on May 18, 2021; November 18, 2021; May 18, 2022; November 18, 2022; May 18, 2023; November 18, 2023; May 18, 2024
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.70%-4.00%	3.22%	2.60%-3.00%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368B8V3	Final Terms - Cusip: 06368DAC8	Final Terms - Cusip: 06368DAF1

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DAB0	208101269	06368DAA2

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 1.00	USD 30.00	2.5
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	19-Nov-2019	19-Nov-2019	20-Nov-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	19-Nov-2022	19-Nov-2059	20-Nov-2024
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	On 19-Nov-2020	On 19-Nov-2021	At par on 20-Nov-2020
16	Subsequent call dates, if applicable	On May 19, 2021; November 19, 2021; May 19, 2022	On November 19 of each year	At par on May 20, 2021; November 20, 2021; May 20, 2022; November 20, 2022; May 20, 2023; November 20, 2023; May 20, 2024
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	0.0215	0.0408	2.35%-3.00%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	NIP Prospectus - July 11, 2019	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	NIP Prospectus Supplement - Aug 28,2019	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DAB0	Final Terms - Cusip: 208101269	Final Terms - Cusip: 06368DAA2

Main Features Of Regulatory Capital Instruments ($ millions except as noted)

Issuer

Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)

Governing law(s) of the instrument

Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)

Regulatory treatment

4 5 6 7

Transitional Basel III rules Post-transitional Basel III rules Eligible at solo/group/group&solo Instrument type

Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)

Par value of instrument

Accounting classification Original date of issuance Perpetual or dated

Included in TLAC not included in	Included in TLAC not included in	Included in TLAC not included in
regulatory capital	regulatory capital	regulatory capital
BMO	BMO	BMO
208150146	06368DAH7	208106023
Province of Ontario and the laws	Province of Ontario and the laws	Province of Ontario and the laws
of Canada applicable therein	of Canada applicable therein	of Canada applicable therein
Contractual	Contractual	Contractual
N/A	N/A	N/A
N/A	N/A	N/A
N/A	N/A	N/A
Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
N/A	N/A	N/A
USD 30.00	USD 260.00
Liability - fair value option	Liability - fair value option
20-Nov-2019	27-Nov-2019

Liability - fair value option 22-Nov-2019

Dated

Original maturity date

20-Nov-2059

22-Nov-2028

27-Nov-2059

Issuer call subject to prior supervisory approval

Yes

Optional call date, contingent call dates and redemption amount

On 20-Nov-2020

At par on 22-Nov-2020

On 27-Nov-2024

At par on May 22, 2021;

November 22, 2021; May 22, 2022; November 22, 2022; May

22, 2023; November 22, 2023;

May 22, 2024; November 22, 2024; May 22, 2025; November

22, 2025; May 22, 2026;

November 22, 2026; May 22, 2027; November 22, 2027; May

Subsequent call dates, if applicable Coupons/dividends

On November 20 of each year

22, 2028

On November 27 of each year

17 18 19

Fixed or floating dividend/coupon Coupon rate and any related index Existence of a dividend stopper

Fixed

Fixed 4.07% 2.75%-4.00%Fixed

0.0402

Fully discretionary, partially discretionary or mandatory

Mandatory

Existence of a step up or other incentive to redeem

Noncumulative or cumulative

Convertible or non-convertible

If convertible, conversion trigger (s) If convertible, fully or partially

No Cumulative Non-convertible N/A

Yes Cumulative Non-convertible N/A

No Cumulative Non-convertible N/A

If convertible, conversion rate

27 28

If convertible, mandatory or optional conversion

N/A N/A N/A

If convertible, specify instrument type convertible into

If convertible, specify issuer of instrument it converts into

Write-down feature

N/A NoN/A NoN/A No

If write-down, write-down trigger (s)
32
If write-down, full or partial
33
If write-down, permanent or temporary
34 34a
If temporary write-down, description of write-down mechanism

Type of subordination

Exemption from subordinationExemption from subordinationExemption from subordination

35 36 37

Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument) Non-compliant transitioned features

Pari pasu to Deposit Liabilities No

If yes, specify non-compliant features

N/A

Prospectus / Base Shelf Prospectus / Short Form Prospectus

Supplement to Base Shelf Prospectus (if applicable)Pricing Supplement (if applicable)

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DAY0	06368DBJ2	06368DBH6

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	5	1.344	1.635
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	3-Dec-2019	18-Dec-2019	18-Dec-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	3-Dec-2024	18-Dec-2025	18-Dec-2025
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 3-Dec-2020	At par on 18-Dec-2020	At par on 18-Dec-2020
16	Subsequent call dates, if applicable	At par on June 03, 2021; December 03, 2021; June 03, 2022; December 03, 2022; June 03, 2023; December 03, 2023; June 03, 2024	At par on June 18, 2021; December 18, 2021; June 18, 2022; December 18, 2022; June 18, 2023; December 18, 2023; June 18, 2024; December 18, 2024; June 18, 2025	At par on June 18, 2021; December 18, 2021; June 18, 2022; December 18, 2022; June 18, 2023; December 18, 2023; June 18, 2024; December 18, 2024; June 18, 2025
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.35%-3.00%	2.40%-3.00%	2.50%-3.50%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	Yes	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DAY0	Final Terms - Cusip: 06368DBJ2	Final Terms - Cusip: 06368DBH6
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DAN4	06368DBL7	06367WTD5

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	1.06	7.5	USD 5.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	18-Dec-2019	19-Dec-2019	20-Dec-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	18-Dec-2024	19-Dec-2025	20-Dec-2024
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	On 18-Dec-2020	At par on 19-Dec-2020	On 20-Dec-2020
16	Subsequent call dates, if applicable	On June 18, 2021; December 18, 2021; June 18, 2022; December 18, 2022; June 18, 2023; December 18, 2023; June 18, 2024	At par on June 19, 2021; December 19, 2021; June 19, 2022; December 19, 2022; June 19, 2023; December 19, 2023; June 19, 2024; December 19, 2024; June 19, 2025	On June 20, December 20 of each year, beginning on December 20, 2020 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	0.0265	2.40%-3.00%	0.023
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	Yes	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	USD Prospectus Supplement - Sep23 18
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DAN4	Final Terms - Cusip: 06368DBL7	Final Terms - Cusip: 06367WTD5
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	209220407	06368DBY9	06367WTR4

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	25	1.062	USD 20.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	20-Dec-2019	27-Dec-2019	27-Dec-2019
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	20-Dec-2034	27-Dec-2025	27-Dec-2049
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	On 20-Dec-2021	At par on 27-Dec-2020	On 27-Dec-2022
16	Subsequent call dates, if applicable	On December 20 of each year, beginning on December 20, 2021	At par on June 27, 2021; December 27, 2021; June 27, 2022; December 27, 2022; June 27, 2023; December 27, 2023; June 27, 2024; December 27, 2024; June 27, 2025	On December 27 of each year
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	0.0325	2.50%-3.00%	0.0364
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	Yes	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Offering Circular - Jul 11, 2019	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	NIP Prospectus Supplement - Aug28, 2019	N/A	USD Prospectus Supplement - Sep23 18
Pricing Supplement (if applicable)	Final Terms - Cusip: 209220407	Final Terms - Cusip: 06368DBY9	Final Terms - Cusip: 06367WTR4

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DCB8	06368DBM5	06368DCC6

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	2.023	30	10
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	30-Dec-2019	2-Jan-2020	10-Jan-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	30-Dec-2024	2-Jan-2027	10-Jan-2027
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 30-Dec-2020	At par on 2-Jan-2021	At par on 10-Jan-2021
16	Subsequent call dates, if applicable	At par on June 30, 2021; December 30, 2021; June 30, 2022; December 30, 2022; June 30, 2023; December 30, 2023; June 30, 2024	At par on July 02, 2021; January 02, 2022; July 02, 2022; January 02, 2023; July 02, 2023; January 02, 2024; July 02, 2024; January 02, 2025; July 02, 2025; January 02, 2026; July 02, 2026	At par on July 10, 2021; January 10, 2022; July 10, 2022; January 10, 2023; July 10, 2023; January 10, 2024; July 10, 2024; January 10, 2025; July 10, 2025; January 10, 2026; July 10, 2026
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.70%-3.00%	2.65%-4.00%	2.80%-4.00%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	Yes	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DCB8	Final Terms - Cusip: 06368DBM5	Final Terms - Cusip: 06368DCC6

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	210229116	210658041	06368DCW2

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 50.00	USD 50.00	0.5
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	15-Jan-2020	22-Jan-2020	31-Jan-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	15-Jan-2060	22-Jan-2060	31-Jan-2026
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	On 15-Jan-2021	On 22-Jan-2021	At par on 31-Jan-2021
16	Subsequent call dates, if applicable	On January 15 of each year	On January 22 of each year	At par on July 31, 2021; January 31, 2022; July 31, 2022; January 31, 2023; July 31, 2023; January 31, 2024; July 31, 2024; January 31, 2025; July 31, 2025
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	0.0385	0.038	2.35%-3.00%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Prospectus - July 11, 2019	NIP Prospectus - July 11, 2019	N/A
Supplement to Base Shelf Prospectus (if applicable)	NIP Prospectus Supplement - Aug28, 2019	NIP Prospectus Supplement - Aug28, 2019	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 210229116	Final Terms - Cusip: 210658041	Final Terms - Cusip: 06368DCW2

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DCX0	06368DCS1	06367WWJ8

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	0.75	USD 2.50	USD 50.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	31-Jan-2020	4-Feb-2020	13-Feb-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	31-Jan-2026	4-Feb-2025	13-Feb-2023
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 31-Jan-2021	At par on 4-Feb-2021	N/A
16	Subsequent call dates, if applicable	At par on July 31, 2021; January 31, 2022; July 31, 2022; January 31, 2023; July 31, 2023; January 31, 2024; July 31, 2024; January 31, 2025; July 31, 2025	At par on August 04, 2021; February 04, 2022; August 04, 2022; February 04, 2023;	N/A
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed-Floating
18	Coupon rate and any related index	2.60%-3.00%	2.15%-2.50%	2.05%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	Yes	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	USD Prospectus Supplement - Sep23 18	USD Prospectus Supplement - Sep23 18
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DCX0	Final Terms - Cusip: 06368DCS1	Final Terms - Cusip: 06367WWJ8
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WWB5	06368DDX9	06368DEE0

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 13.00	20	USD 0.542
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	19-Feb-2020	21-Feb-2020	28-Feb-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	19-Feb-2025	21-Feb-2028	28-Feb-2023
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 19-Feb-2021	At par on 21-Feb-2021	At par on 28-Feb-2021
16	Subsequent call dates, if applicable	At par on February 19, May 19, August 19 and November 19 of each year, commencing February 19, 2021, up to and excluding the maturity date	At par on August 21, 2021; February 21, 2022; August 21, 2022; February 21, 2023; August 21, 2023; February 21, 2024; August 21, 2024; February 21, 2025; August 21, 2025; February 21, 2026; August 21, 2026; February 21, 2027;	At par on August 28, 2021; February 28, 2022; August 28, 2022
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	0.0225	0.0272	1.75%-2.00%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	USD Prospectus Supplement - Sep23 18	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06367WWB5	Final Terms - Cusip: 06368DDX9	Final Terms - Cusip: 06368DEE0
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DEC4	06368DED2	213347055

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	0.68	USD 4.058	USD 100.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	4-Mar-2020	11-Mar-2020	12-Mar-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	4-Mar-2026	11-Mar-2026	12-Mar-2060
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 4-Mar-2020	At par on 11-Mar-2021	12-Mar-2020
16	Subsequent call dates, if applicable	At par on September 04, 2021; March 04, 2022; September 04, 2022; March 04, 2023; September 04, 2023; March 04, 2024; September 04, 2024; March 04, 2025; September 04, 2025	At par on September 11, 2021; March 11, 2022; September 11, 2022; March 11, 2023; September 11, 2023; March 11, 2024; September 11, 2024; March 11, 2025; September 11, 2025	March 12 of each year, commencing March 12, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.20%-2.50%	2.00%-2.30%	Zero coupon, 3.50% accrual rate
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	Yes	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	NIP Prospectus - July 11, 2019
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	NIP Prospectus Supplement - Aug28, 2019
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DEC4	Final Terms - Cusip: 06368DED2	Final Terms - Cusip: 213347055
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DEP5	213729462	213729519

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	5.00	USD 20.00	USD 50.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	17-Mar-2020	17-Mar-2020	17-Mar-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	17-Mar-2027	17-Mar-2060	17-Mar-2060
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 17-Mar-2021	17-Mar-2021	17-Mar-2021
16	Subsequent call dates, if applicable	At par on September 17, 2021; March 17, 2022; September 17, 2022; March 17, 2023; September 17, 2023; March 17, 2024; September 17, 2024; March 17, 2025; September 17, 2025; March 17, 2026; September 17, 2026	March 17 of each year, commencing March 17, 2021 up to and excluding the maturity date	March 17 of each year, commencing March 17, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	0.0222	Zero coupon, 3.44% accrual rate	Zero coupon, 3.43% accrual rate
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	NIP Prospectus - July 11, 2019	NIP Prospectus - July 11, 2019
Supplement to Base Shelf Prospectus (if applicable)	N/A	NIP Prospectus Supplement - Aug28, 2019	NIP Prospectus Supplement - Aug28, 2019
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DEP5	Final Terms - Cusip: 213729462	Final Terms - Cusip: 213729519
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	213318497	06368DEV2	06368DFL3

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 150.00	31.67	10.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	18-Mar-2020	23-Mar-2020	23-Mar-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	18-Mar-2060	23-Mar-2025	23-Mar-2028
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	18-Mar-2021	At par on 23-Mar-2021	At par on 23-Mar-2021
16	Subsequent call dates, if applicable	March 18 of each year, commencing March 18, 2021 up to and excluding the maturity date	At par on September 23, 2021; March 23, 2022; September 23, 2022; March 23, 2023; September 23, 2023; March 23, 2024; September 23, 2024	At par on September 23, 2021; March 23, 2022; September 23, 2022; March 23, 2023; September 23, 2023; March 23, 2024; September 23, 2024; March 23, 2025; September 23, 2025; March 23, 2026; September 23, 2026; March 23, 2027; September 23, 2027
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero coupon, 3.40% accrual rate	0.021	0.0235
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Prospectus - July 11, 2019	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	NIP Prospectus Supplement - Aug28, 2019	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 213318497	Final Terms - Cusip: 06368DEV2	Final Terms - Cusip: 06368DFL3
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WYB3	06368DEW0	215650740

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 15.00	31.67	USD 120.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	24-Mar-2020	26-Mar-2020	28-Apr-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	24-Sep-2032	26-Mar-2025	28-Apr-2060
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 24-Jun-2020	At par on 26-Mar-2021	28-Apr-2025
16	Subsequent call dates, if applicable	At par on March 24, June 24, September 24 and December 24 of each year, commencing June 24, 2020 up to and excluding the maturity date	At par on September 26, 2021; March 26, 2022; September 26, 2022; March 26, 2023; September 26, 2023; March 26, 2024; September 26, 2024	April 28 in each year, commencing April 28, 2025 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.25%	2.11%	Zero coupon, 4.00% accrual rate
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	NIP Offering Circular - Jul 11, 2019
Supplement to Base Shelf Prospectus (if applicable)	USD Prospectus Supplement - Sep23 18	N/A	NIP Prospectus Supplement - Aug28, 2019
Pricing Supplement (if applicable)	Final Terms - Cusip: 06367WYB3	Final Terms - Cusip: 06368DEW0	Final Terms - Cusip: 215650740
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	216803825	216847890	06368DGE8

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 50.00	USD 40.00	50.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	4-May-2020	5-May-2020	20-May-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	4-May-2060	5-May-2060	20-May-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	44320	44321	At par on 20-May-2021
16	Subsequent call dates, if applicable	May 4 in each year, commencing on May 4, 2021 up to and excluding the maturity date	May 5 in each year, commencing on May 5, 2021 up to and excluding the maturity date	At par on November 20, 2021; May 20, 2022; November 20, 2022; May 20, 2023; November 20, 2023; May 20, 2024; November 20, 2024; May 20, 2025; November 20, 2025; May 20, 2026; November 20, 2026; May 20, 2027; November 20, 2027; May 20, 2028; November 20, 2028; May 20, 2029; November 20, 2029
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero coupon, 3.70% accrual rate	Zero coupon, 3.70% accrual rate	0.025
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Prospectus - July 11, 2019	NIP Prospectus - July 11, 2019	N/A
Supplement to Base Shelf Prospectus (if applicable)	NIP Prospectus Supplement - Aug28, 2019	NIP Prospectus Supplement - Aug28, 2019	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 216803825	Final Terms - Cusip: 216847890	Final Terms - Cusip: 06368DGE8
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DGF5	218004423	06368DGL2

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	10.00	55.00	2.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	21-May-2020	26-May-2020	29-May-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	21-May-2027	26-May-2035	29-May-2027
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 21-May-2021	At par on 26-May-2021	At par on 29-May-2021
16	Subsequent call dates, if applicable	At par on November 21, 2021; May 21, 2022; November 21, 2022; May 21, 2023; November 21, 2023; May 21, 2024; November 21, 2024; May 21, 2025; November 21, 2025; May 21, 2026; November 21, 2026	At par May 26 in each year, commencing on May 26, 2021 up to and including the maturity date	At par on November 29, 2021; May 29, 2022; November 29, 2022; May 29, 2023; November 29, 2023; May 29, 2024; November 29, 2024; May 29, 2025; November 29, 2025; May 29, 2026; November 29, 2026
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.10%-2.60%	2.78%	2.00%-2.50%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	NIP Offering Circular - Jul 11, 2019	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	NIP Prospectus Supplement - Aug28, 2019	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DGF5	Final Terms - Cusip: 218004423	Final Terms - Cusip: 06368DGL2
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WL35	218051375	217447976

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 3.00	USD 50.00	USD 65.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	29-May-2020	2-Jun-2020	3-Jun-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	29-Nov-2023	2-Jun-2060	3-Jun-2060
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 29-May-2021	44349	3-Jun-25
16	Subsequent call dates, if applicable	At par on each May 29 and November 29 of each year, commencing on May 29, 2021.	June 2 in each year, commencing on June 2, 2021 up to and excluding the maturity date	June 3 in each year, commencing on June 3, 2025 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.00% - 2.00%	Zero coupon, 3.71% accrual rate	Zero coupon, 3.57% accrual rate
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	NIP Prospectus - July 11, 2019	NIP Offering Circular - Jul 11, 2019
Supplement to Base Shelf Prospectus (if applicable)	USD Prospectus Supplement - Sep23 18	NIP Prospectus Supplement - Aug28, 2019	NIP Prospectus Supplement - Aug28, 2019
Pricing Supplement (if applicable)	Final Terms - Cusip: 06367WL35	Final Terms - Cusip: 218051375	Final Terms - Cusip: 217447976
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	218587763	218741037	06368DGQ1

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 50.00	USD 50.00	25.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	9-Jun-2020	10-Jun-2020	11-Jun-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	9-Jun-2060	10-Jun-2060	11-Jun-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	44356	44357	At par on 11-June-2021
16	Subsequent call dates, if applicable	June 9 in each year, commencing on June 9, 2021 up to and excluding the maturity date	June 10 in each year, commencing on June 10, 2021 up to and excluding the maturity date	At par on December 11, 2021; June 11, 2022; December 11, 2022; June 11, 2023; December 11, 2023; June 11, 2024; December 11, 2024; June 11, 2025; December 11, 2025; June 11, 2026; December 11, 2026; June 11, 2027; December 11, 2027; June 11, 2028; December 11, 2028; June 11, 2029; December 11, 2029
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero coupon, 3.60% accrual rate	Zero coupon, 3.65% accrual rate	0.023
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Prospectus - July 11, 2019	NIP Prospectus - July 11, 2019	N/A
Supplement to Base Shelf Prospectus (if applicable)	NIP Prospectus Supplement - Aug28, 2019	NIP Prospectus Supplement - Aug28, 2019	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 218587763	Final Terms - Cusip: 218741037	Final Terms - Cusip: 06368DGQ1
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DGR9	06368DGM0	06368DGT5

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	5.00	15.86	25.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	15-Jun-2020	19-Jun-2020	19-Jun-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	15-Jun-2023	19-Jun-2025	19-Jun-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 15-June-2021	At par on 19-June-2021	At par on 19-June-2021
16	Subsequent call dates, if applicable	At par on December 15, 2021; June 15, 2022; December 15, 2022	At par on December 19, 2021; June 19, 2022; December 19, 2022; June 19, 2023; December 19, 2023; June 19, 2024; December 19, 2024	At par on December 19, 2021; June 19, 2022; December 19, 2022; June 19, 2023; December 19, 2023; June 19, 2024; December 19, 2024; June 19, 2025; December 19, 2025; June 19, 2026; December 19, 2026; June 19, 2027; December 19, 2027; June 19, 2028; December 19, 2028; June 19, 2029; December 19, 2029
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.20%-1.40%	0.0193	2.15%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DGR9	Final Terms - Cusip: 06368DGM0	Final Terms - Cusip: 06368DGT5
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WP64	06367WM42	06368DGW8

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 3.00	USD 19.40	40.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	19-Jun-2020	19-Jun-2020	24-Jun-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	19-Dec-2025	19-Dec-2023	24-Jun-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 19-June-2021	At par on 19-June-2022	At par on 24-June-2021
16	Subsequent call dates, if applicable	At par on each June 19 and December 19 of each year, commencing on June 19, 2021.	At par on each June 19 and Dec 19 of each year, commencing on June 19, 2022.	At par on December 24, 2021; June 24, 2022; December 24, 2022; June 24, 2023; December 24, 2023; June 24, 2024; December 24, 2024; June 24, 2025; December 24, 2025; June 24, 2026; December 24, 2026; June 24, 2027; December 24, 2027; June 24, 2028; December 24, 2028; June 24, 2029; December 24, 2029
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	0.015	1.00% - 1.75%	2.10%-2.50%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	Yes	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	USD Prospectus Supplement - Sep23 18	USD Prospectus Supplement - Sep23 18	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06367WP64	Final Terms - Cusip: 06367WM42	Final Terms - Cusip: 06368DGW8
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WQ22	06367WT60	06368DHA5

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 5.00	USD 25.00	10.20
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	26-Jun-2020	29-Jun-2020	2-Jul-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	26-Jun-2024	29-Jun-2022	2-Jul-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 26-June-2022	N/A	At par on 2-July-2021
16	Subsequent call dates, if applicable	At par on each June 26 and Dec 26 of each year, commencing on June 26, 2022.	N/A	At par on January 02, 2022; July 02, 2022; January 02, 2023; July 02, 2023; January 02, 2024; July 02, 2024; January 02, 2025; July 02, 2025; January 02, 2026; July 02, 2026; January 02, 2027; July 02, 2027; January 02, 2028; July 02, 2028; January 02, 2029; July 02, 2029; January 02, 2030
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed to Floating Rate	Fixed
18	Coupon rate and any related index	1.00% - 1.50%	0.90%	1.90%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	USD Prospectus Supplement - Sep23 18	USD Prospectus Supplement - Sep23 18	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06367WQ22	Final Terms - Cusip: 06367WT60	Final Terms - Cusip: 06368DHA5
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DGZ1	06367WU68	06368DHD9

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	1.134	USD 3.00	0.832
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	2-Jul-2020	9-Jul-2020	7-Jul-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	2-Jul-2030	9-Jan-2024	7-Jul-2025
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	44379	At par on 9-July-2021	At par on 7-July-2021
16	Subsequent call dates, if applicable	January 02, 2022; July 02, 2022; January 02, 2023; July 02, 2023; January 02, 2024; July 02, 2024; January 02, 2025; July 02, 2025; January 02, 2026; July 02, 2026; January 02, 2027; July 02, 2027; January 02, 2028; July 02, 2028; January 02, 2029; July 02, 2029; January 02, 2030	At par on each January 9 and July 9 of each year, commencing on January 9, 2021.	At par on January 07, 2022; July 07, 2022; January 07, 2023; July 07, 2023; January 07, 2024; July 07, 2024; January 07, 2025
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero coupon, 2.00% accrual rate	1.00%	1.20-1.65%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	USD Prospectus Supplement - Sep23 18	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DGZ1	Final Terms - Cusip: 06367WU68	Final Terms - Cusip: 06368DHD9
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	220014908	220051676	220484181

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 50.00	USD 50.00	USD 50.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	8-Jul-2020	9-Jul-2020	15-Jul-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	8-Jul-2060	9-Jul-2060	15-Jul-2060
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	44385	44386	44392
16	Subsequent call dates, if applicable	July 8 in each year, commencing on July 8, 2021 up to and excluding the maturity date	July 9 in each year, commencing on July 9, 2021 up to and excluding the maturity date	July 15 in each year, commencing on July 15, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero coupon, 3.27% accrual rate	Zero coupon, 3.28% accrual rate	Zero coupon, 3.19% accrual rate
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Prospectus - July 11, 2019	NIP Prospectus - July 11, 2019	NIP Prospectus - July 11, 2019
Supplement to Base Shelf Prospectus (if applicable)	NIP Prospectus Supplement - Aug28, 2019	NIP Prospectus Supplement - Aug28, 2019	NIP Prospectus Supplement - Aug28, 2019
Pricing Supplement (if applicable)	Final Terms - Cusip: 220014908	Final Terms - Cusip: 220051676	Final Terms - Cusip: 220484181
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DHF4	06368DHJ6	06368DHK3

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	7.00	2.50	4.33
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	17-Jul-2020	20-Jul-2020	21-Jul-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	17-Jul-2032	20-Jul-2026	21-Jul-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 17-July-2021	At par on 20-July-2021	At par on 21-July-2021
16	Subsequent call dates, if applicable	At par on January 17, 2022; July 17, 2022; January 17, 2023; July 17, 2023; January 17, 2024; July 17, 2024; January 17, 2025; July 17, 2025; January 17, 2026; July 17, 2026; January 17, 2027; July 17, 2027; January 17, 2028; July 17, 2028; January 17, 2029; July 17, 2029; January 17, 2030; July 17, 2030; January 17, 2031; July 17, 2031; January 17, 2032	At par on January 20, 2022; July 20, 2022; January 20, 2023; July 20, 2023; January 20, 2024; July 20, 2024; January 20, 2025; July 20, 2025; January 20, 2026	At par on January 21, 2022; July 21, 2022; January 21, 2023; July 21, 2023; January 21, 2024; July 21, 2024; January 21, 2025; July 21, 2025; January 21, 2026; July 21, 2026; January 21, 2027; July 21, 2027; January 21, 2028; July 21, 2028; January 21, 2029; July 21, 2029; January 21, 2030
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.60-3.00%	1.67%	1.75-2.20%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DHF4	Final Terms - Cusip: 06368DHJ6	Final Terms - Cusip: 06368DHK3
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DHP2	220886930	220934209

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	25.00	USD 50.00	USD 50.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	21-Jul-2020	24-Jul-2020	27-Jul-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	21-Jul-2030	24-Jul-2060	27-Jul-2060
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 21-July-2021	24-Jul-21	44404
16	Subsequent call dates, if applicable	At par on January 21, 2022; July 21, 2022; January 21, 2023; July 21, 2023; January 21, 2024; July 21, 2024; January 21, 2025; July 21, 2025; January 21, 2026; July 21, 2026; January 21, 2027; July 21, 2027; January 21, 2028; July 21, 2028; January 21, 2029; July 21, 2029; January 21, 2030	July 24 in each year, commencing on July 24, 2021 up to and excluding the maturity date	July 27 in each year, commencing on July 27, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	2.00%	Zero coupon, 3.05% accrual rate	Zero coupon, 3.03% accrual rate
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	NIP Prospectus - July 16, 2020	NIP Prospectus - July 16, 2020
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	N/A
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DHP2	Final Terms - Cusip: 220886930	Final Terms - Cusip: 220934209
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DHL1	06368DHS6	06367WX73

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	9.11	10.00	USD 5.00
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	30-Jul-2020	30-Jul-2020	31-Jul-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	30-Jul-2025	30-Jul-2030	31-Jul-2025
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 30-July-2021	At par on 30-July-2021	At par on 31-January-2022
16	Subsequent call dates, if applicable	At par on January 30, 2022; July 30, 2022; January 30, 2023; July 30, 2023; January 30, 2024; July 30, 2024; January 30, 2025	At par on January 30, 2022; July 30, 2022; January 30, 2023; July 30, 2023; January 30, 2024; July 30, 2024; January 30, 2025; January 30, 2026; July 30, 2026; January 30, 2027; July 30, 2027; January 30, 2028; July 30, 2028; January 30, 2029; July 30, 2029; January 30, 2030	At par on each January 31 and July 31, commencing on January 31, 2022.
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	0.014	0.018	1.00%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	N/A	N/A	USD Prospectus Supplement - Sep23 18
Pricing Supplement (if applicable)	Final Terms - Cusip: 06368DHL1	Final Terms - Cusip: 06368DHS6	Final Terms - Cusip: 06367WX73
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WX81	06367WZ48	06368DHT4

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 21.00	USD 10.00	25
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	30-Jul-2020	31-Jul-2020	4-Aug-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	30-Jul-2025	31-Jul-2035	4-Aug-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 30-July-2021	At par on 31-October-2020	At par on 4-August-2021
16	Subsequent call dates, if applicable	At par on each January, April, July and October, commencing on July 30, 2021.	At par on each January 31 , April 30, July 31, and October 31 of each year, commencing on October 31, 2020.	At par on each August and February 4, commencing August 4, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.00% - 1.50%	2.00%	1.70 - 2.10%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	N/A	N/A
Supplement to Base Shelf Prospectus (if applicable)	USD Prospectus Supplement - Sep23 18	USD Prospectus Supplement - Sep23 18
Pricing Supplement (if applicable)	Final Terms - Cusip: 06367WX81	Final Terms - Cusip: 06367WZ48	Final Terms - CUSIP: 06368DHT4
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06367WZ89	06368DHU1	06368DHV9

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 5	5	16.30
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	6-Aug-2020	10-Aug-2020	13-Aug-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	6-Feb-2026	10-Aug-2028	13-Aug-2025
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	On 6-February-2022	At par on 10-August-2021	At par on 13-August-2021
16	Subsequent call dates, if applicable	On each August and February 6, commencing February 6, 2022 up to and excluding the maturity date	At par on each August and February 10, commencing August 10, 2021 up to and excluding the maturity date	At par on each August and February 13, commencing August 13, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.00%	1.40 - 1.70%	1.25%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	Yes	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	MTN Prospectus
Supplement to Base Shelf Prospectus (if applicable)	MTN Prospectus Supplement
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06367WZ89	Final Terms - CUSIP: 06368DHU1	Final Terms - CUSIP: 06368DHV9
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DHW7	06368DHX5	06368DHY3

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	1.00	2.5	2
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	18-Aug-2020	21-Aug-2020	26-Aug-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	18-Aug-2029	21-Aug-2027	26-Aug-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 18-August-2021	At par on 21-August-2021	At par on 26-August-2021
16	Subsequent call dates, if applicable	At par on each August and February 18, commencing August 18, 2021 up to and excluding the maturity date	At par on each August and February 21, commencing August 21, 2021 up to and excluding the maturity date	At par on each August and February 26, commencing August 26, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.25 - 2.10%	1.55%	1.90%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus
Supplement to Base Shelf Prospectus (if applicable)
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368DHW7	Final Terms - CUSIP: 06368DHX5	Final Terms - CUSIP: 06368DHY3
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	221504682	222463700	06368DJD7

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 330.0	50	1
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	27-Aug-2020	28-Aug-2020	1-Sep-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	27-Aug-2060	28-Aug-2035	1-Sep-2027
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	45896	At par on 28-August-2022	44440
16	Subsequent call dates, if applicable	Each August 27, commencing August 27, 2025 up to but exlcuding the maturity date.	Each August 28, commencing August 28, 2022 up to but exlcuding the maturity date.	Each September and March 1, commencing September 1, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero Coupon, 2.74%	2.30%	Zero Coupon, 1.37%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Offering Circular - July 16, 2020	NIP Offering Circular - July 16, 2020
Supplement to Base Shelf Prospectus (if applicable)
Pricing Supplement (if applicable)	Final Terms - CUSIP: 221504682	Final Terms - CUSIP: 222463700	Final Terms - CUSIP: 06368DJD7
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DJE5	06368DJG0	06368DJM7

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	15	10	3
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	2-Sep-2020	3-Sep-2020	3-Sep-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	2-Sep-2030	3-Sep-2030	3-Sep-2027
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 2-September-2021	44442	44442
16	Subsequent call dates, if applicable	At par on each September and March 2, commencing September 2, 2021 up to and excluding the maturity date	Each September and March 3, commencing September 3, 2021 up to and excluding the maturity date	Each September and March 3, commencing September 3, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.65-2.00%	Zero Coupon, 1.83%	Zero Coupon, 1.58%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus
Supplement to Base Shelf Prospectus (if applicable)
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368DJE5	Final Terms - CUSIP: 06368DJG0	Final Terms - CUSIP: 06368DJM7
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DJF2	06368DJL9	06368DJN5

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	6.20	3	20
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	4-Sep-2020	4-Sep-2020	4-Sep-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	4-Sep-2032	4-Sep-2030	4-Sep-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 4-September-2021	44443	At par on 4-September-2021
16	Subsequent call dates, if applicable	Each September and March 4, commencing September 4, 2021 up to and excluding the maturity date	Each September and March 4, commencing September 4, 2021 up to and excluding the maturity date	At par on each September and March 4, commencing September 4, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero Coupon, 1.90%	Zero Coupon, 1.80%	1.70-2.10%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus
Supplement to Base Shelf Prospectus (if applicable)
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368DJF2	Final Terms - CUSIP: 06368DJL9	Final Terms - CUSIP: 06368DJN5
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	221926188	06368DJP0	06368DJR6

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 550.00	5	35
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	9-Sep-2020	10-Sep-2020	15-Sep-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	9-Sep-2060	10-Sep-2029	15-Sep-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	45909	44449	At par on 15-September-2021
16	Subsequent call dates, if applicable	Each September 9, commencing September 9, 2025 but exlcuding the maturity date.	Each September and March 10, commencing September 10, 2021 up to and excluding the maturity date	At par on each September and March 15, commencing September 15, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	Zero Coupon, 2.85%	Zero Coupon, 1.84%	1.81%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	NIP Offering Circular - July 16, 2020
Supplement to Base Shelf Prospectus (if applicable)
Pricing Supplement (if applicable)	Final Terms - CUSIP: 221926188	Final Terms - CUSIP: 06368DJP0	Final Terms - CUSIP: 06368DJR6

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DKB9	06368DKC7	06367W5P4

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	50	5	USD 15
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	25-Sep-2020	28-Sep-2020	29-Sep-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	25-Sep-2030	28-Sep-2027	29-Sep-2034
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 25-September-2021	44467	On 29-March-2021
16	Subsequent call dates, if applicable	At par on each September and March 25, commencing September 25, 2021 up to and excluding the maturity date	Each September and March 28, commencing September 28, 2021 up to and excluding the maturity date	On each September and March 29, commencing March 29, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.80%	Zero Coupon, 1.49%	1.85%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	MTN Prospectus
Supplement to Base Shelf Prospectus (if applicable)	MTN Prospectus Supplement
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368DKB9	Final Terms - CUSIP: 06368DKC7	Final Terms - CUSIP: 06367W5P4

Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DKA1	06368DKD5	06368DKF0

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	8	6	USD 1.5
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	1-Oct-2020	2-Oct-2020	2-Oct-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	1-Oct-2028	2-Oct-2030	2-Oct-2023
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 1-October-2021	At par on 2-October-2021	At par on 2-October-2021
16	Subsequent call dates, if applicable	At par on each October and April 1, commencing October 1, 2021 up to and excluding the maturity date	At par on each October and April 2, commencing October 2, 2021 up to and excluding the maturity date	At par on each October and April 2, commencing October 2, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.20-2.00%	1.80%	0.45%-0.65%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus
Supplement to Base Shelf Prospectus (if applicable)
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368DKA1	Final Terms - CUSIP: 06368DKD5	Final Terms - CUSIP: 06368DKF0
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DKE3	06367W7E7	06368DKK9

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	USD 1.5	USD 25	5
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	2-Oct-2020	7-Oct-2020	14-Oct-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	2-Oct-2025	7-Oct-2022	14-Oct-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 2-October-2021	N/A	44483
16	Subsequent call dates, if applicable	At par on each October and April 2, commencing October 2, 2021 up to and excluding the maturity date	N/A	Each October and April 14, commencing October 14, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed to Floating Rate	Fixed
18	Coupon rate and any related index	0.80%-1.20%	0.40%	Zero Coupon, 1.77%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	Yes	No	No
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	MTN Prospectus
Supplement to Base Shelf Prospectus (if applicable)	MTN Prospectus Supplement
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368DKE3	Final Terms - CUSIP: 06367W7E7	Final Terms - CUSIP: 06368DKK9
Main Features Of Regulatory Capital Instruments ($ millions except as noted)
Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital	Included in TLAC not included in regulatory capital
1	Issuer	BMO	BMO	BMO
2	Unique identifier (eg CUSIP, ISIN, or Bloomberg identifier for private placement)	06368DKP8	06367W6Z1	06368DKN3

3	Governing law(s) of the instrument	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein	Province of Ontario and the laws of Canada applicable therein
3a	Means by which enforceability requirement of Section 13 of the TLAC Term Sheet is achieved (for other TLAC-eligible instruments governed by foreign law)	Contractual	Contractual	Contractual
Regulatory treatment
4	Transitional Basel III rules	N/A	N/A	N/A
5	Post-transitional Basel III rules	N/A	N/A	N/A
6	Eligible at solo/group/group&solo	N/A	N/A	N/A
7	Instrument type	Other TLAC instrument	Other TLAC instrument	Other TLAC instrument
8	Amount recognised in regulatory capital (Currency in millions, as of most recent reporting date)	N/A	N/A	N/A
9	Par value of instrument	30	USD 2	USD 50
10	Accounting classification	Liability - fair value option	Liability - fair value option	Liability - fair value option
11	Original date of issuance	15-Oct-2020	20-Oct-2020	21-Oct-2020
12	Perpetual or dated	Dated	Dated	Dated
13	Original maturity date	15-Oct-2030	20-Apr-2028	21-Oct-2030
14	Issuer call subject to prior supervisory approval	Yes	Yes	Yes
15	Optional call date, contingent call dates and redemption amount	At par on 15-October-2021	On 20-October-2022	At par on 21-October-2021
16	Subsequent call dates, if applicable	At par on each October and April 15, commencing October 15, 2021 up to and excluding the maturity date	On each October and April 20, commencing October 20, 2022 up to and excluding the maturity date	At par on each October and April 21, commencing October 21, 2021 up to and excluding the maturity date
Coupons/dividends
17	Fixed or floating dividend/coupon	Fixed	Fixed	Fixed
18	Coupon rate and any related index	1.83%	1.15%	1.40%-1.75%
19	Existence of a dividend stopper	No	No	No
20	Fully discretionary, partially discretionary or mandatory	Mandatory	Mandatory	Mandatory
21	Existence of a step up or other incentive to redeem	No	No	Yes
22	Noncumulative or cumulative	Cumulative	Cumulative	Cumulative
23	Convertible or non-convertible	Non-convertible	Non-convertible	Non-convertible
24	If convertible, conversion trigger (s)	N/A	N/A	N/A
25	If convertible, fully or partially	N/A	N/A	N/A
26	If convertible, conversion rate	N/A	N/A	N/A
27	If convertible, mandatory or optional conversion	N/A	N/A	N/A
28	If convertible, specify instrument type convertible into
29	If convertible, specify issuer of instrument it converts into	N/A	N/A	N/A
30	Write-down feature	No	No	No
31	If write-down, write-down trigger (s)
32	If write-down, full or partial
33	If write-down, permanent or temporary
34	If temporary write-down, description of write-down mechanism
34a	Type of subordination	Exemption from subordination	Exemption from subordination	Exemption from subordination
35	Position in subordination hierarchy in liquidation (specify instrument type immediately senior to instrument)	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities	Pari pasu to Deposit Liabilities
36	Non-compliant transitioned features	No	No	No
37	If yes, specify non-compliant features	N/A	N/A	N/A
Prospectus / Base Shelf Prospectus / Short Form Prospectus	MTN Prospectus
Supplement to Base Shelf Prospectus (if applicable)	MTN Prospectus Supplement
Pricing Supplement (if applicable)	Final Terms - CUSIP: 06368DKP8	Final Terms - CUSIP: 06367W6Z1	Final Terms - CUSIP: 06368DKN3

Attachments

Original document
Permalink

Disclaimer

BMO - Bank of Montreal published this content on 27 November 2020 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 01 December 2020 13:42:07 UTC

Market Closed - Toronto S.E. Other stock markets 04:15:26 2024-04-25 pm EDT			5-day change	1st Jan Change
126.7 ^CAD	-0.43%		+1.06%	-3.37%

Apr. 24	Retail Sales Signal It's Quiet at Canada's Malls, Says BMO	MT
Apr. 24	BMO on The Day Ahead in Canada	MT

Retail Sales Signal It's Quiet at Canada's Malls, Says BMO	Apr. 24	MT
BMO on The Day Ahead in Canada	Apr. 24	MT
BMO on The Day Ahead in Canada	Apr. 23	MT
National on Canadian Banks -- "Rate Uncertainty Revives Credit Cycle Concerns"	Apr. 22	MT
Canada's New Housing Price Index Unchanged in March MoM, as Expected; Down 0.4% YoY	Apr. 22	MT
BMO Launches Greener Future Financing Program to Help U.S. Businesses Build Climate Resilient Operations	Apr. 22	CI
BMO on The Day, Week Ahead in Canada	Apr. 22	MT
RBC Expects Canadian Banks' PCLs to "Continue to Normalize"	Apr. 19	MT
BMO on The Day Ahead in Canada	Apr. 19	MT
BMO Notes Stability in Canada's Mortgage Credit Growth	Apr. 19	MT
BMO on The Day Ahead in Canada	Apr. 18	MT
TSX Closer: Market Manages To Finish Up 13 Points After MIdday Plunge	Apr. 17	MT
National Bank on Federal Budget's Impact on Banks -- "No Big Surprises, Just More Clarity"	Apr. 17	MT
Weak Canadian Dollar Could Become An Issue for The Central Bank, Says BMO	Apr. 17	MT
BMO Notes Some Relief in Canada's Inflation From Mortgage Interest Costs	Apr. 17	MT
BMO on The Day Ahead in Canada	Apr. 17	MT
BMO chief says US economy improving, calls California 'a strategically important market'	Apr. 16	RE
Canada Inflation Ticks Up in March to 2.9% -- 3rd Update	Apr. 16	DJ
BMO Notes The Good News in Canada's Cooling Inflation Data for March	Apr. 16	MT
Canada Inflation Ticks Up in March to 2.9% -- 2nd Update	Apr. 16	DJ
Transcript : Bank of Montreal - Shareholder/Analyst Call	Apr. 16
CMHC Says Canada's Housing Starts Post 7% M/M Fall in March; Worse Than Expected	Apr. 16	MT
BMO on The Day Ahead in Canada	Apr. 16	MT
Economists Warn Tax Hikes Are On the Table in Tuesday's Budget	Apr. 15	MT
BMO on The Day, Week Ahead in Canada	Apr. 15	MT

	1st Jan change	Capi.
BANK OF MONTREAL	-3.37%	67.43B
BANK OF AMERICA CORPORATION	+12.59%	298B
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED	+8.90%	251B
WELLS FARGO & COMPANY	+21.76%	210B
BANK OF CHINA LIMITED	+17.45%	173B
CHINA CONSTRUCTION BANK CORPORATION	+7.10%	163B
HSBC HOLDINGS PLC	+4.15%	154B
HDFC BANK LIMITED	-11.39%	138B
ROYAL BANK OF CANADA	-0.39%	138B
COMMONWEALTH BANK OF AUSTRALIA	+0.99%	125B

Bank of Montreal

Equities

BMO

CA0636711016

Banks

Bank of Montreal : Main Features of Regulatory Capital Instruments (December 1 2020)

Latest news about Bank of Montreal

Chart Bank of Montreal

Company Profile

Income Statement Evolution

Analysis / Opinion

Ratings for Bank of Montreal

Analysts' Consensus

EPS Revisions

Quarterly earnings - Rate of surprise

Sector Other Banks