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What is the CDCB Program? This Chief of the Defence Staff authorized program with contracted delivery by BMO Bank of Montreal is mandated to provide members of the Canadian Defence Community (CDC) with enhanced low-cost or no-cost banking services. The program is exclusive to: • Canadian Armed Forces (CAF): Recruits, Regular and Reserve Forces, Retired and Former Members • Department of National Defence (DND) and Staff of the Non-Public Funds (NPF) Employees, including former employees receiving a pension • Serving RCMP Members and former RCMP Members receiving a pension and RCMP Civilian employees • Employees of Military Family Resource Centres (MFRC), Defence Research and Development Canada (DRDC), Communications Securities Establishment (CSE) and Defence Construction Canada (DCC) • Foreign military members directly serving with the Canadian Forces 2

BMO® and the CDCB Program BMO Bank of Montreal is proud to be the official bank of the Canadian Defence Community, in partnership with Canadian Defence Community Banking since 2008 • Whether you’re starting your career, moving from one posting to the next or making the transition to civilian life, we’re here to help • Presently serving over 23, 000 members of the CDC with >$2 Million in savings on banking fees annually • Over 65 BMO branches nearby and 45 ATMs on or close to bases/wings/ units across the country to ensure you’re well served wherever you’re stationed • A dedicated BMO/CDCB toll free line at 1 -866 -548 -7490 • The BMO/CDCB international collect call number at 514 -877 -7738 3

New Exclusive offers for the Canadian Defence Community 1 Enhanced benefits include: • FREE Banking with the BMO CDCB Performance Plan² – a savings of over $179 per year ‡ • FREE unlimited Interac e-Transfer® transactions • 5 non-BMO ATM withdrawals on the Interac network per month³ – a savings of $1. 50 per transaction • 5 international withdrawals using non-BMO Harris ATMs on the Cirrus®* network each month 3, 4 • Keep the same accounts no matter how many times you’re deployed! • No annual fee with the BMO Support Our Troops Mastercard®* plus additional cards are free 5 1 Proof of CDCB eligibility is required. Offers may be changed or withdrawn at any time without notice. 2. The monthly Plan fee is waived. You are responsible for all transaction, service and product fees not included in your Bank Plan. 3. The network fee charged by BMO is waived. Non-BMO ATMs may charge a convenience fee. The convenience fee is not a BMO fee and is added to the total amount of your withdrawal. You are responsible for the convenience fee that may be applied to your transaction. 4. There is no charge to use a BMO Harris ATM in the United States. Bank of Montreal does not represent BMO Harris Bank N. A. and is not an agent of BMO Harris Bank N. A. is located in the United States. 5 No annual fees apply for primary or authorized cardholder cards. Ongoing annual fees and all other applicable fees are subject to change. ®‡ Interac and Interac e-Transfer are registered trademarks of Interac Inc. Used under license. ®* Registered trademarks of Mastercard International Incorporated. Used under license. 4

BMO Support Our Troops Mastercard®* Get up to $75 cash back Show support for our troops at home and abroad • Get 1% cash back on everything you buy with the BMO Support Our Troops Cash. Back Mastercard credit card 1 • Plus, get up to $75 in cash back welcome bonuses 2 • Get all these benefits for no annual fee 3 • A percentage of the value of every credit card transaction goes to CFMWS to support Canadian Forces morale and welfare at no additional cost to you • When used responsibly, credit cards can help you establish your credit history 1 Offer is cumulative over the statement period. Award of Cash. Back rewards is made for purchases charged to your account (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, payments, credit or debit adjustments) and is subject to the Cash. Back Rewards Terms and Conditions. The number of Cash. Back rewards will be rounded down to the nearest cent. 2 Bonus offer is limited to new accounts. Applications must be received between January 4, 2016, and October 31, 2017. 2, 500 Cash. Back bonus points ($25 in Cash. Back rewards) are only available to new BMO Cash. Back Mastercardholders and will be applied to your account within forty-five (45) days after your first card purchase and not be awarded to current or former cardholders who reinstate a closed account or who open a new account. An additional 5, 000 Cash. Back points ($50 in Cash. Back rewards) will be awarded when you spend $1, 500 in net card purchases (less refunds and excluding cash advances, cash-like transactions and balance transfers) in the first three (3) months from the account open date and will be applied to your account within sixty (60) days after qualifying. Limit of one bonus offer per Account. If you cancel your card within ninety (90) days of opening your account, the Bonus points will be cancelled. This offer is time limited and may be changed, extended or withdrawn at any time without notice. 3 Ongoing interest rates, interest-free grace period, annual fees and all other applicable fees are subject to change. Cash advances include Balance Transfers, cash-like transactions and Mastercard cheques. ®* Registered trademarks of Mastercard International Incorporated. Used under license. 5

Paying for school Key benefits of a CDCB Student Line of Credit • Save with a preferred interest rate with a CDCB Student Line of Credit 1 • You are only charged interest on what you borrow, and there are no annual or monthly fees • Credit limits up to $15, 000 in your first year and $10, 000 in each remaining year up to a four-year maximum of $45, 000 for full-time or part-time students 2 • You only have to apply once, and the money is there for you to borrow as you need it * Offers may be changed or withdrawn at any time without notice. Applications and the amount you can borrow are subject to meeting BMO’s usual credit criteria. Some conditions may apply. 2. Approval and credit limit are subject to meeting BMO's usual credit requirements. Must be a Canadian citizen or landed immigrant enrolled in a Canadian or non-Canadian post-secondary school or university. Co-signer may be required. Subject to credit availability and verification of identity. 6

Why BMO? We’re here to help in ways big, small, expected, and unexpected • BMO Online Banking gives your secure 24/7 access to pay bills, transfer money and more 1 • The BMO Mobile Banking app lets you manage your money anywhere and whenever you want 1, 2 • Access 900 plus BMO branches and more than 3, 000 BMO ATMS across Canada 1 BMO Online Banking and BMO Mobile Banking may not be available in all countries. 2 You must be registered for BMO Online Banking before you can use BMO Mobile Banking. 3 You can have up to twenty (20) Primary Chequing, Interest Chequing (for existing customers only) or Premium Rate Savings accounts under one (1) Bank Plan of your choice (excluding the Practical Plan) for one (1) monthly fee. All accounts are subject to the Bank Plan monthly transaction limits. 7

Thank you The BMO team is here to help you every step of the way Come in and see us! Lisa Greenstein Conrad Hamilton Kelsie Cluney Branch Manager FSM Assistant Branch Manager 780 -842 -5895 780 -842 -7690 780 -842 -7693 8

CDCB Advantage A $250, 000 conventional mortgage at todays rate of 4. 84% equals a monthly payment of $1431. 33 A $250, 000 conventional mortgage at CDCB rates of 2. 29% equals a monthly payment of $1093. 94 That’s a savings of $4048. 68 a year! Footer goes here 9

CDCB vs Smart Fixed You have probably heard a lot about smart fixed rates as low as 2. 69% through most major banks. The same $250, 000 mortgage with a smart fixed will be $1143. 71 a month, a savings of $597. 24 a Year… not that much you think? What if you get posted? A smart fixed mortgage can not be broken without paying a prepayment penalty, breaking this type of mortgage after 3 years will end up costing you $3742. 63 (IRD and missed savings for 3 yrs) Footer goes here 10

Should you switch? Switching your mortgage is easy and can save you money! A $250, 000 mortgage with 2 years and 2 months remaining at 3. 19% interest would cost $1950. 91 in prepayment penalties based on the IRD calculation. Refinancing this mortgage under the CDCB program at 2. 29% will save you $4238. 08 in interest over the 2 years you had remaining. A Savings of $2287. 18 in 2 years! Footer goes here 11

Thank you all for coming! What Questions do you have for us? How can we make it easy? Any suggestions? Footer goes here 12