Bank of Montreal – The #SaveItForward – Win 1 of 14 cash prizes of $1,000 each

THIS CONTEST IS OPEN ONLY TO RESIDENTS OF CANADA
AND IS GOVERNED BY CANADIAN LAW

Standard data rates apply to participants who choose to participate in the Contest via a mobile device. Please contact your service
provider for pricing and service plan information and rates before mobile device participation.

1. KEY DATES:
The BMO #SaveItForward Contest (the “Contest”) begins on March 13, 2017 at 12:00:00 a.m. Eastern Time (“ET”) and ends on April 30, 2017
at 11:59:59 p.m. ET (the “Contest Period”). The Contest Period consists of seven (7) Weeks (each a “Week” and collectively, the “Weeks”) as
follows:
Week Start Date (all 12:00:00 a.m. ET) End Date (all 11:59:59 p.m. ET) Selection Date
1 March 13, 2017 March 19, 2017 March 22, 2017
2 March 20, 2017 March 26, 2017 March 29, 2017
3 March 27, 2017 April 2, 2017 April 5, 2017
4 April 3, 2017 April 9, 2017 April 12, 2017
5 April 10, 2017 April 16, 2017 April 19, 2017
6 April 17, 2017 April 23, 2017 April 26, 2017
7 April 24, 2017 April 30, 2017 May 3, 2017

2. ELIGIBILITY TO ENTER:
The Contest is open only to residents of Canada who have reached the legal age of majority in their province/territory of residence at the time of
entry, except employees, representatives or agents (and those with whom such persons are living, whether related or not) of Bank of Montreal
(the “Sponsor”), its parent companies, subsidiaries, associated and affiliated entities, prize suppliers, advertising/promotion agencies and any
other individual(s), entity or entities involved in the development, production, implementation, administration or fulfillment of the Contest
(collectively with the Sponsor, the “Contest Parties”).

3. AGREEMENT TO BE LEGALLY BOUND BY RULES:
By participating in this Contest, you are signifying your agreement that you have read and agree to be legally bound by these Official Rules and
Regulations (the “Rules”).

4. FACEBOOK, TWITTER AND INSTAGRAM NOT INVOLVED:
The Contest is in no way sponsored, endorsed or administered by, or associated with Facebook, Twitter or Instagram (each, a “Social Platform”).
Each Social Platform is hereby completely released of all liability by each entrant in this Contest. Any questions, comments or complaints
regarding the Contest must be directed to the Sponsor and not to a Social Platform. You may only use one (1) Facebook Account or one (1)
Twitter Account or one (1) Instagram Account (each, an “Account” and collectively the “Accounts”) to participate in this Contest.

5. HOW TO ENTER:
NO PURCHASE NECESSARY. MAKING A PURCHASE WILL NOT INCREASE OR OTHERWISE IMPACT YOUR CHANCES OF
WINNING IN THIS CONTEST. To be eligible to earn an Entry (each, an “Entry” and collectively, the “Entries”) in the Contest, please visit
www.bmo.com/saveitforward (the “Website”) and follow the on-screen prompts to complete the following steps:
Step 1: Complete the on-screen entry form with all required information by entering your: (i) name; (ii) valid email address; and (iii) valid
telephone number.
Step 2: Select one (1) Social Platform from the dropdown list provided – either Facebook, Instagram or Twitter.
Step 3: Click the “Ready to Enter” button.
Step 4: Visit the applicable Social Platform (as selected in Step 2) and log-in to your Account. Complete the following steps depending on the
Social Platform you selected in Step 2:
Facebook: If you selected Facebook as the applicable Social Platform in Step 2, post a update/status that: (i) includes a short video, photo or
message that depicts, describes or otherwise reflects what you think is worth saving for (the “Theme”); (ii) includes #SaveItForward (the
“Hashtag”); and (iii) tags @BMOcommunity. When all required steps of the entry process are complete, you will automatically be eligible to earn
one (1) Entry in the Contest.
OR
Twitter: If you selected Twitter as the applicable Social Platform in Step 2, post a tweet through your account that: (i) includes a short video,
photo or message that depicts, describes or otherwise reflects the Theme; (ii) tags @BMO; and (iii) includes the Hashtag. When all required steps
of the entry process are complete, you will automatically be eligible to earn one (1) Entry in the Contest.
OR
Instagram: If you selected Instagram as the applicable Social Platform in Step 2, post content through your account that: (i) includes
a short video, photo or message that depicts, describes or otherwise reflects the Theme; (ii) tags @BMOCanada; and (iii) includes the hashtag.
When all required steps of the entry process are complete, you will automatically be eligible to earn one (1) Entry in the Contest.
To be eligible to earn an Entry in this Contest, your applicable Account must be set to public and not private.
To be eligible, all content and materials associated with your Entry (regardless of the method of entry) (collectively, the “Entry Materials”)
must: (i) be submitted and received in accordance with these Rules during the Contest Period; (ii) include all required components and materials
noted above; (iii) reflect the Theme; (iv) be in accordance with these Rules, including, but not limited to, the specific Submission Requirements
listed below in Rule 8; and (v) be in accordance with the applicable terms, rules, policies and guidelines of the applicable Social Platform (the
“Social Platform Rules”) (all as determined by Sponsor in its sole and absolute discretion).
6. ENTRY LIMIT AND CONDITIONS:
There is a limit of one (1) Entry per person (regardless of the method of entry), per Week. If it is discovered by the Sponsor (using any
evidence or other information made available to or otherwise discovered by the Sponsor) that any person has attempted to: (i) obtain more than
one (1) Entry (regardless of the method of entry), per Week; and/or (ii) use multiple names, identities, email addresses, Accounts from the same
Social Platform, any automated, macro, script, robotic or other system(s) or program(s) and/or any automated, macro, script, robotic or other
system(s) or program(s) and/or any other means not in keeping with the Sponsor’s interpretation of the letter and spirit of these Rules to enter or
otherwise participate in or to disrupt this Contest; then he/she may be disqualified from the Contest in the sole and absolute discretion of the
Sponsor. The Released Parties are not responsible for, and accept no liability whatsoever in relation to, any late, lost, misdirected, delayed,
incomplete or incompatible Entries and/or Entry Materials (all of which are void). An Entry may be rejected if, in the sole and absolute
discretion of the Sponsor: (i) the Entry (including, but not limited to, any associated Entry Materials) is not submitted and received in accordance
with these Rules during the Contest Period; and/or (ii) the Entry Materials accompanying the Entry are not in compliance with these Rules
(including, but not limited to, the specific Submission Requirements listed below in Rule 8) and/or the applicable Social Platform Rules (all as
determined by Sponsor in its sole and absolute discretion).
7. VERIFICATION:
All Entries, Entry Materials and entrants are subject to verification at any time and for any reason. The Sponsor reserves the right, in its sole and
absolute discretion, to require proof of identity and/or eligibility (in a form acceptable to the Sponsor – including, without limitation, government
issued photo identification): (i) for the purposes of verifying an individual’s eligibility to participate in this Contest; (ii) for the purposes of
verifying the eligibility and/or legitimacy of any Entry, Entry Materials and/or other information entered (or purportedly entered) for the purposes
of this Contest; and/or (iii) for any other reason the Sponsor deems necessary, in its sole and absolute discretion, for the purposes of administering
this Contest in accordance with the Sponsor’s interpretation of the letter and spirit of these Rules. Failure to provide such proof to the complete
satisfaction of the Sponsor within the timeline specified by the Sponsor may result in disqualification in the sole and absolute discretion of the
Sponsor. The sole determinant of the time for the purposes of this Contest will be the official time-keeping device(s) of the Sponsor.
8. SUBMISSION REQUIREMENTS:
BY SUBMITTING AN ENTRY, YOU AGREE THAT THE ENTRY (AND EACH INDIVIDUAL COMPONENT THEREOF – INCLUDING,
WITHOUT LIMITATION, THE ENTRY MATERIALS) COMPLIES WITH ALL CONDITIONS STATED IN THESE RULES. THE
RELEASED PARTIES WILL BEAR NO LIABILITY WHATSOEVER REGARDING: (I) THE USE OF YOUR ENTRY (OR ANY
COMPONENT THEREOF – INCLUDING, WITHOUT LIMITATION, THE ENTRY MATERIALS); (II) PARTICIPATION IN ANY
CONTEST-RELATED ACTIVITIES; (III) ANY USE, COLLECTION, STORAGE AND DISCLOSURE OF ANY PERSONAL
INFORMATION; AND/OR (IV) IF DECLARED THE WINNER, THE PRIZE (INCLUDING ANY USE OR MISUSE OF THE PRIZE). THE
RELEASED PARTIES SHALL BE HELD HARMLESS BY YOU IN THE EVENT IT IS DISCOVERED THAT YOU HAVE DEPARTED
FROM OR NOT OTHERWISE FULLY COMPLIED WITH ANY OF THESE RULES AND/OR THE APPLICABLE SOCIAL PLATFORM
RULES (AS APPLICABLE). THIS RELEASE AND INDEMNITY SHALL CONTINUE IN FORCE FOLLOWING THE TERMINATION OF
THE CONTEST AND/OR AWARDING OF ANY PRIZES.
By participating in the Contest, each entrant hereby warrants and represents that any Entry Materials he/she submits:
i. is/are original to him/her and that the entrant has obtained all necessary rights in and to the Entry Materials for the purposes of
entering such Entry Materials in the Contest;
ii. does not violate any law, statute, ordinance or regulation;
iii. does not contain any reference to or likeness of any identifiable third parties, unless consent has been obtained from all such
individuals and their parent/legal guardian if they are under the age of majority in their jurisdiction of residence;
iv. will not give rise to any claims whatsoever, including, without limitation, claims of infringement, invasion of privacy or publicity, or
infringe on any rights and/or interests of any third party; and
v. is/are not defamatory, trade libelous, pornographic or obscene, and further that it will not contain, depict, include, discuss or involve,
without limitation, any of the following: nudity; alcohol/drug consumption or smoking; explicit or graphic sexual activity, or sexual
innuendo; crude, vulgar or offensive language and/or symbols; derogatory characterizations of any ethnic, racial, sexual, religious or
other groups (including, without limitation, any competitors of Sponsor); that endorses, condones and/or discusses any illegal,
inappropriate or risky behaviour or conduct; personal information of individuals, including, without limitation, names, telephone
numbers and addresses (physical or electronic); commercial messages, comparisons or solicitations for products or services other than
products of Sponsor; any identifiable third party products, trade-marks, brands and/or logos, other than those of Sponsor (e.g. any
clothing worn and/or products appearing in your Entry Materials must not contain any visible logos, trade-marks or other third party
materials unless the appropriate consents have been obtained — note: all identifiable third party products, trade-marks, brands and/or
logos for which consent has not been obtained by the entrant must be blurred out so as to be unrecognizable); conduct or other
activities in violation of these Rules; and/or any other materials that are or could be considered inappropriate, unsuitable or offensive,
all as determined by the Sponsor in its sole and absolute discretion.
The Sponsor and/or its promotional agency or designated content moderator (the “Reviewer”) reserves the right to screen all Entry Materials.
Any Entry Materials that the Reviewer deems, in its sole and absolute discretion, to violate the terms and conditions set forth in these Rules are
subject to disqualification. The Reviewer reserves the right, in its sole and absolute discretion at any time and for any reason, to remove any
Entry Materials (or any part thereof) and/or to request an entrant to modify, edit and/or re-submit his or her Entry Materials (or any part thereof)
in order to ensure that the Entry Materials comply with these Rules, or for any other reason. If such an action is necessary at any point during or
after the Contest, then the Sponsor reserves the right, in its sole discretion, to take whatever action it deems necessary based on the circumstances
– including, without limitation, disqualifying the Entry Materials (and therefore the corresponding Entry and/or the associated entrant) – to help
ensure that the Contest is being conducted in accordance with the Sponsor’s interpretation of the letter and spirit of these Rules.
9. LICENSE:
By entering the Contest and submitting an Entry, each entrant: (i) without limiting the applicable Social Platform Rules, as applicable, grants to
the Sponsor, in perpetuity, a non-exclusive license to publish, display, reproduce, modify, edit or otherwise use his/her Entry Materials (and each
component thereof), in whole or in part, for advertising or promoting the Contest or for any other reason; (ii) waives all moral rights in and to
his/her Entry Materials (and each component thereof) in favour of the Sponsor (and anyone authorized by the Sponsor to use such Entry
Materials); and (iii) agrees to release and hold harmless the Released Parties from and against any and all claims, damages, liabilities, costs, and
expenses arising from use of his/her Entry Materials (or any component thereof), including, without limitation, any claim based on publicity
rights, defamation, invasion of privacy, copyright infringement, trade-mark infringement or any other intellectual property related or other cause
of action whatsoever.
10. PRIZES:
There will be a total of fourteen (14) Prizes (each, a “Prize” and collectively, the “Prizes”) available to be won. There will be two (2) Prizes
available to be won per Week. Each Prize consists of one (1) C$1,000 cash prize payable in the form of a cheque in the confirmed winner’s
name.
Each Prize must be accepted as awarded and is not transferable or assignable (except as may be specifically permitted by Sponsor in its sole and
absolute discretion). No substitutions except at Sponsor’s option. Sponsor reserves the right, in its sole and absolute discretion, to substitute any
Prize or a component thereof with a prize of equal or greater value.
None of the Released Parties makes any representation or offers any warranty, express or implied, as to the quality or fitness of any Prize
awarded in connection with the Contest. To the fullest extent permitted by applicable law, each confirmed winner understands and acknowledges
that he or she may not seek reimbursement or pursue any legal or equitable remedy from neither the Sponsor nor any of the Released Parties
should his/her Prize fail to be fit for its purpose or is in any way unsatisfactory. For greater certainty and the avoidance of any doubt, by accepting
a Prize, each confirmed winner agrees to waive all recourse against the Released Parties if his/her Prize or a component thereof does not prove
satisfactory, either in whole or in part.
There is a limit of one (1) Prize per person.
11. ELIGIBLE WINNER SELECTION PROCESS:
On each Selection Date listed above in Rule 1 (each, a “Selection Date”) in Toronto, ON at approximately 11 a.m. ET, two (2) eligible entrants
will be selected by random draw from among all eligible Entries submitted and received in accordance with these Rules during the Week
immediately preceeding the applicable Selection Date. NOTE: ENTRIES DO NOT CARRY-FORWARD FROM ONE WEEK TO ANY
SUBSEQUENT WEEK(S). AS SUCH, IF YOU WANT A CHANCE TO WIN IN RELATION TO A GIVEN WEEK THEN YOU MUST
SUBMIT AN ELIGIBLE ENTRY IN ACCORDANCE WITH THESE RULES DURING THAT WEEK. The odds of winning depend on the
number of eligible Entries submitted and received in accordance with these Rules during the Week immediately preceeding the applicable
Selection Date.
12. ELIGIBLE WINNER NOTIFICATION PROCESS:
The Sponsor or its designated representative will make a minimum of three (3) attempts to contact each eligible winner within five (5) business
days of the applicable Selection Date. If an eligible winner cannot be contacted as outlined above, or if there is a return of any notification as
undeliverable; then he/she may, in the sole and absolute discretion of the Sponsor, be disqualified (and, if disqualified, will forfeit all rights to the
applicable Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to randomly select an alternate
eligible entrant for the applicable Prize from among the remaining eligible Entries in accordance with the procedures outlined in Rule 11 (in
which case the foregoing provisions of this section shall apply to such newly selected eligible winner).
13. ELIGIBLE WINNER CONFIRMATION PROCESS:
NO ONE IS A WINNER UNLESS AND UNTIL THE SPONSOR OFFICIALLY CONFIRMS HIM/HER AS A WINNER IN ACCORDANCE
WITH THESE RULES. BEFORE BEING DECLARED A CONFIRMED PRIZE WINNER, each eligible winner will be required to: (a)
correctly answer a mathematical skill-testing question without mechanical or other aid (which may, in the sole and absolute discretion of the
Sponsor, be administered online, by email or other electronic means, by telephone, or in the Sponsor’s form of declaration and release); and (b)
sign and return within five (5) business days of notification the Sponsor’s declaration and release form, which (among other things): (i) confirms
compliance with these Rules; (ii) acknowledges acceptance of the applicable Prize (as awarded); (iii) releases the Released Parties from any and
all liability in connection with this Contest, his/her participation therein and/or the awarding and use/misuse of the applicable Prize or any portion
thereof; (iv) agrees to indemnify the Released Parties against any and all claims, damages, liabilities, costs, and expenses arising from use of
his/her Entry Materials or any portion(s) thereof; and (v) agrees to the publication, reproduction and/or other use of his/her name, address, voice,
statements about the Contest and/or photograph or other likeness without further notice or compensation, in any publicity or advertisement
carried out by or on behalf of the Sponsor in any manner or medium whatsoever, including print, broadcast or the internet. If an eligible winner:
(a) fails to correctly answer the skill-testing question; (b) fails to return the properly executed Contest documents within the specified time; (c)
cannot accept (or is unwilling to accept) the applicable Prize (as awarded) for any reason; and/or (d) is determined to be in violation of these
Rules (all as determined by the Sponsor in its sole and absolute discretion); then he/she will be disqualified (and will forfeit all rights to the
applicable Prize) and the Sponsor reserves the right, in its sole and absolute discretion and time permitting, to randomly select an alternate
eligible entrant for the applicable Prize from among the remaining eligible Entries in accordance with the procedures outlined in Rule 11 (in
which case the foregoing provisions of this section shall apply to such newly selected eligible winner).
14. GENERAL CONDITIONS:
This Contest is subject to all applicable federal, provincial and municipal laws. The decisions of the Sponsor with respect to all aspects of this
Contest are final and binding on all entrants without right of appeal. ANYONE DEEMED THE SPONSOR TO BE IN VIOLATION OF THE
SPONSOR’S INTERPRETATION OF THE LETTER AND/OR SPIRIT OF THESE RULES FOR ANY REASON IS SUBJECT TO
DISQUALIFICATION IN THE SOLE AND ABSOLUTE DISCRETION OF THE SPONSOR AT ANY TIME.
The Released Parties will not be liable for: (i) any failure of any website or any platform during the Contest; (ii) any technical malfunction or
other problems of any nature whatsoever, including, without limitation, those relating to the telephone network or lines, computer on-line
systems, servers, access providers, computer equipment or software; (iii) the failure of any Entry, Entry Materials and/or other information to be
received, captured or recorded for any reason whatsoever, including, but not limited to, technical problems or traffic congestion on the internet or
at any website; (iv) any injury or damage to an entrant’s or any other person’s computer or other device related to or resulting from participating
in the Contest; (v) anyone being incorrectly and/or mistakenly identified as a winner or eligible winner; and/or (vi) any combination of the above.
The Sponsor reserves the right, subject only to the approval of the Régie des alcools, des courses et des jeux (the “Régie”) in Quebec, to
withdraw, amend or suspend this Contest (or to amend these Rules) in any way, in the event of any cause beyond the reasonable control of the
Sponsor that interferes with the proper conduct of this Contest as contemplated by these Rules, including, without limitation, any error, problem,
computer virus, bugs, tampering, unauthorized intervention, fraud or failure of any kind whatsoever. Any attempt to undermine the legitimate
operation of this Contest in any way (as determined by Sponsor in its sole and absolute discretion) may be a violation of criminal and civil laws
and should such an attempt be made, the Sponsor reserves the right to seek remedies and damages to the fullest extent permitted by law. The
Sponsor reserves the right, subject only to the approval of the Régie in Quebec, to cancel, amend or suspend this Contest, or to amend these
Rules, in any way without prior notice or obligation, in the event of any accident, printing, administrative, or other error of any kind, or for any
other reason whatsoever. The Sponsor reserves the right, in its sole and absolute discretion, to administer an alternate test of skill as it deems
appropriate based on the circumstances and/or to comply with applicable law.
By entering this Contest, each entrant expressly consents to the Sponsor, its agents and/or representatives, storing, sharing and using the personal
information submitted only for the purpose of administering the Contest and in accordance with Sponsor’s privacy policy (available at:
https://www.bmo.com/home/about/banking/privacy-security/our-privacy-code).This section does not limit any other consent(s) that an individual
may provide the Sponsor or others in relation to the collection, use and/or disclosure of their personal information.
The Sponsor reserves the right, subject only to the approval of the Régie in Quebec, to adjust any of the dates, timeframes and/or other Contest
mechanics stipulated in these Rules, to the extent deemed necessary by Sponsor, for purposes of verifying compliance by any entrant, Entry,
Entry Materials and/or other information with these Rules, or as a result of any technical or other problems, or in light of any other circumstances
which, in the opinion of the Sponsor, in its sole and absolute discretion, affect the proper administration of the Contest as contemplated in these
Rules, or for any other reason.
In the event of any discrepancy or inconsistency between the terms and conditions of these English Rules and disclosures or other statements
contained in any Contest-related materials, including, but not limited to, the French version of these Rules, point of sale, television, print or online
advertising and/or any instructions or interpretations of these Rules given by any representative of the Sponsor, the terms and conditions of these
English Rules shall prevail, govern and control to the fullest extent permitted by law.
The invalidity or unenforceability of any provision of these Rules shall not affect the validity or enforceability of any other provision. In the
event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Rules shall otherwise remain in effect and shall be
construed in accordance with the terms as if the invalid or illegal provision were not contained herein. To the fullest extent permitted by
applicable law, all issues and questions concerning the construction, validity, interpretation and enforceability of these Rules or the rights and
obligations of participants, Sponsor or any of the other the Released Parties in connection with the Contest will be governed by and construed in
accordance with the domestic laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any
choice of law or conflict of law rules or provisions that would cause the application of any other jurisdiction’s laws. The parties hereby consent
to the exclusive jurisdiction and venue of the courts located in Ontario in any action to enforce (or otherwise relating to) these Rules or relating to
this Contest.
For Quebec residents: Any litigation respecting the conduct or organization of a publicity contest may be submitted to the Régie des alcools, des
courses et des jeux for a ruling. Any litigation respecting the awarding of a prize may be submitted to the board only for the purpose of helping
the parties reach a settlement.