You ve never asked for special treatment. But you ve earned it. The Canadian Defence Community Banking program March 28, 2015
Canadian Defence Community Banking (CDCB) What is the CDCB Program? A national Non-Public Property (NPP) program managed by the Director General Morale and Welfare Services (DGMWS) on behalf of the Chief of Defence Staff (CDS) CDCB is exclusive to:! Active members of the RCMP! Former RCMP in receipt of a pension! CF Regular and Reserve Forces! Retired and Former CF Members! MFRC Employees! Foreign Military (on duty in Canada)! DND Employees! Staff of the Non-Public Funds! Family members (of any of the above) 2
Everyday Banking Low Cost with all the Perks Banking Benefits Save $8.50/month in banking fees:! Everyday Bank Plans start at $5.45/month plus the first two months FREE 1! The monthly plan fee covers up to 20 accounts such as chequing and savings 60% discount Over $100 savings year! FREE banking for: " Seniors (age 55 and over) " Kids (under the age of 13) " Teens (ages 13 and under the age of 20), and " Students (annual proof of full-time registration in a post-sec university, college or registered private vocational school is required by Nov. 1 of each year enrolled) 1,2! Keep the same accounts no matter how many times you re relocated! 3
Home Financing Why consider BMO for your home financing needs? There are some critical differences BMO offers: " Exclusive RCMP mortgage rates " Flexible options to help you through the transition if you re moving under the Integrated Relocation Program (IRP) " Mortgage advice we understand that you have unique needs and can help you make the right choices for you Benefits:! Flexibility & ease when relocating! Thousands of dollars in savings! Help making choices that make sense for your unique situation 4
Shrink Your Mortgage Home financing tailored to the needs of RCMP Exclusive BMO features through the IRP program:! Portable mortgage option 5 " Transfer your BMO mortgage from one location to another " Increase your mortgage, if necessary! Waive the entire prepayment charge when relocated under the Integrated Relocation Program 6! Interest rate buy-down may be available 7 5
CDCB Student Line of Credit CDCB Student Line of Credit Features include:! Preferred Student Line of Credit rate! Flexible access to funds that you can use to pay for school and other related expenses! Apply once and the money is there for you to borrow as you need it! No annual or monthly fees Benefits:! RCMP and their family members qualify! One time application! Amounts available in line with costs of postsecondary education! Pay interest only on what you borrow 6
Canadian Police Association MasterCard BMO Canadian Police Association MasterCard Help promote community and police officer safety every time you use your card Cardholders benefit from:! 4 cards to choose from - 2 with no annual fee! AIR MILES or CashBack rewards! Worldwide acceptance at over 30 million locations! Free extended warranty & purchase protection 7
Help managing your financial needs anytime, anywhere Around the clock access to your accounts through online and telephone banking Manage your day to day finances in one place with BMO MoneyLogic Over 3,400 financial professionals available through more than 900 branches across Canada Bank on-the-go directly from your mobile device, 24 hours-a-day, 7 days-a-week Dedicated toll-free numbers Stay informed and up-to-date on your personal banking transactions with BMO Alerts 8
Thank You! We re here to help The BMO team is here to help you every step of the way. Come in and see us! <Name> <Name> <Name> <Title> <Title> <Title> Tel: Tel: Tel: Cell: Cell: Cell: <email> <email> <email> 9
Appendix Terms and Conditions Everyday Banking 1 Customer is responsible for all the fees of any transactions, services and products not included in the Everyday Bank Plan. 2 Under the Senior discounted banking program (age 55 and over) receive the Performance Plan or AIR MILES Plan at no cost or a $13.95 discount towards the Premium Plan. Under the Kids discounted banking program (under the age of 13), Teens discounted banking program (ages 13 and under the age of 20) and Students discounted banking program, receive the Plus Plan at no cost or a $9.95 discount towards the Performance or Premium Bank Plan. For the Student discounted banking program, annual proof of fulltime registration in a post-secondary university, college or registered private vocational school is required by November 1 of each year in which you are enrolled, otherwise the standard monthly plan fee will be charged. 3 Does not include fees that may be charged by non-bmo ATMs. 4 Cheques made payable to yourself or to cash, and cashed at any BMO Bank of Montreal branch, may not be returned (original or image) but are described on your statement. Home Financing 5 Subject to meeting Bank of Montreal's usual credit criteria. Some conditions may apply. 6 Applicable when you pay off your mortgage or pay off your mortgage and replace it with another Bank of Montreal Mortgage or Homeowner Readiline. Not applicable for early renewals or refinances. 7 Any funds for an interest rate buy-down provided through the Integrated Relocation Package through the Department of National Defence. Registered trade-marks of Bank of Montreal. Trademarks of AIR MILES International Trading B.V. used under license by LoyaltyOne Inc. and Bank of Montreal. *Registered trademark of MasterCard International Incorporated. 10
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