BluePrint Program™

B M O N E S B I T T B U R N S

S t e p p i n g S t o n e t o a B e t t e r F u t u r e

T H E B M O N E S B I T T B U R N S

B L U E P R I N T P R O G R A M ™

combines the expertise of BMO Nesbitt Burns’ top-ranked* research team with

the high level of service provided by your BMO Nesbitt Burns Investment

Advisor. As a discretionary managed account, the BluePrint Program assures a

disciplined, long-term approach to your investing, without worry or a major

commitment of your time.

*Brendan Wood International Survey. Institutional Equity Sales, Research and Trading Performance in Canada, 2001.

As the first step in the BluePrint process,

your BMO Nesbitt Burns Investment

Advisor works with you to determine your

long-term investment goals and objectives.

Together you then decide which of our

model BluePrint portfolios best suits your

needs. Once you have selected the

appropriate portfolio or combination of

portfolios, your account is professionally

managed for you on an ongoing basis.

S T E P P I N G S T O N E

T O A B E T T E R F U T U R E

BMO Nesbitt Burns The Bond Book

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With tremendous amounts of constantly changing information on

the economy and markets now readily available, making the right

investment decisions can be difficult for even the most financially

sophisticated individual. Given this complexity, increasing

numbers of Canadians are turning to professionals for the

management of their investments.

As a participant in the BluePrint Program, you have the peace of

mind knowing that BMO Nesbitt Burns is managing your portfolio –

taking advantage of opportunities and minimizing potential risks.

We have the expertise and knowledge required to execute sound

and objective investment decisions on your behalf. Our professional

money managers make all of the day-to-day investment decisions,

based on your personal objectives. Performance is carefully

monitored so you can focus on enjoying your life – knowing that

your investments are handled with care and expertise.

W E H A V E T H E E X P E R T I S E A N D K N O W L E D G E

R E Q U I R E D T O E X E C U T E S O U N D A N D

O B J E C T I V E I N V E S T M E N T D E C I S I O N S O N

Y O U R B E H A L F .

l e a d e r

BMO Nesbitt Burns The Bond Book

T h e f i n e s tr e s e a r c h

BMO Nesbitt Burns The Bond Book

With the BluePrint Program, difficult choices as to what to buy and sell are

made by dedicated professionals who have the knowledge and experience

to manage your portfolio effectively. In selecting equities as well as fixed

income investments, these professionals are supported by the finest

research available.

On the equity side alone, over the past twenty years, the prestigious

Brendan Wood Survey has ranked BMO Nesbitt Burns research, or that of

our predecessor companies, first every year. This ranking reflects both the

calibre of individual analysts and the breadth of our research expertise.

Beyond access to our research and the benefit of our top-ranked team

working on your behalf, the BMO Nesbitt Burns BluePrint Program is

predicated on a close working relationship with your Investment Advisor.

He or she will help you determine which BluePrint portfolio best suits your

investment objectives and risk tolerance, and will review and discuss with

you your portfolio and its performance on a regular basis – recommending

modifications whenever necessary.

W O R K I N G C L O S E L Y W I T H Y O U R I N V E S T M E N T

A D V I S O R Y O U S E L E C T A P O R T F O L I O T O M E E T

Y O U R I N D I V I D U A L N E E D S A N D O B J E C T I V E S .

a v a i l a b l e

A m e a s u r e d , c o s t - e f f e c t i

v e a p p r o a c h

C O M P R E H E N S I V E M O N T H L Y , Q U A R T E R L Y A N D

A N N U A L R E P O R T S K E E P Y O U C O N S I S T E N T L Y

W E L L I N F O R M E D A T E V E R Y S T A G E O F

T H E P R O C E S S .

Understanding where you stand in achieving your objectives is fundamental

to successful long-term investing, as is knowing that the cost of your

investment program is reasonable. With the BMO Nesbitt Burns BluePrint

Program, you are kept fully informed at every stage of the process.

As a BluePrint Program client, each month, you are mailed a Statement of

Account detailing your portfolio holdings. Every quarter, you benefit from a

comprehensive, personalized Quarterly Review including a detailed

performance analysis, portfolio summary, and insightful managers’

commentary. At the end of each year, you also receive an Annual Portfolio

Summary – providing a breakdown of deposits and withdrawals, realized

capital gains and losses, and a summary of portfolio transactions.

All of this is available for a single, modest all-inclusive fee, payable monthly

or quarterly in arrears. This fee is determined as a percentage of assets in

your account and covers professional portfolio management and transaction

costs as well as reporting, administration and security custodial services

provided. In addition, BluePrint Program clients are entitled to a no-fee

BMO Nesbitt Burns RRSP or RRIF.

T H E B M O N E S B I T T B U R N S B L U E P R I N T

E Q U I T Y P O R T F O L I O S

BMO Nesbitt Burns BluePrint Canadian Equity PortfolioThe Canadian Equity Portfolio is designed for investors seeking long-term capital

appreciation and superior performance while providing diversified exposure to the TSE

300 Index. This broad diversification across industry sectors helps to minimize the

volatility of the portfolio. The holdings of the portfolio will represent the top equity

selections of the BMO Nesbitt Burns research team.

BMO Nesbitt Burns BluePrint U.S. Equity PortfolioThe U.S. Equity Portfolio was developed for investors seeking above-average, long-term

growth. All companies in the portfolio are large, well capitalized firms which are listed in

the U.S. and have the potential for growth in the long-term. The industry weightings of

the portfolio will reflect closely the weightings of the Standard and Poor’s 500 Index.

BMO Nesbitt Burns BluePrint Total Equity PortfolioThe Total Equity Portfolio is designed for investors seeking long-term capital growth

through a globally diversified portfolio. The portfolio will employ the same investment

style as the BluePrint Canadian Equity Portfolio, while adding exposure to the major

global regions – the United States, Europe and Asia – through the use of exchange traded

funds. The total global equity weighting will not exceed the foreign content limit for

registered accounts, and individually will approximate the weightings found in the

Morgan Stanley Capital World Index. This portfolio is ideal for clients seeking global

exposure in non-registered accounts, as well as those seeking to maximize foreign

content in an RRSP.

T H E B M O N E S B I T T B U R N S B L U E P R I N T

F I X E D - I N C O M E P O R T F O L I O S

BMO Nesbitt Burns BluePrint Monthly Pay Portfolio:The goal of the Monthly Pay Portfolio is to provide investors with monthly income.

It is suitable for investors seeking a predictable income and an actively managed bond

portfolio.

BMO Nesbitt Burns BluePrint Canadian Fixed Income Portfolio:The Canadian Fixed Income Portfolio is designed for investors who do not require

income and are looking for an investment focused primarily on long-term total return.

BMO Nesbitt Burns BluePrint U.S. Fixed Income Portfolio:The U.S. Fixed Income Portfolio is designed to provide investors with superior total

returns and currency diversification. The portfolio will be invested solely in U.S. dollar

denominated fixed-income securities.

BMO Nesbitt Burns BluePrint Trustee Account Portfolio:The Trustee Account Portfolio is for larger investors who have chosen – or who are

required by law – to follow the guidelines of the Trustee Act in their home province.

For more information on the BMO Nesbitt Burns BluePrint Program, speak with your

BMO Nesbitt Burns Investment Advisor.

® "BMO (M-bar roundel symbol)" is a registered trade-mark of Bank of Montreal, used under licence."Nesbitt Burns" is a registered trade-mark of BMO Nesbitt Burns Corporation Limited, used under licence.

™ “Nesbitt Burns BluePrint Program” is a trade-mark of BMO Nesbitt Burns Corporation Limited, used under licence.

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www.bmonesbittburns.com

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As one of Canada’s leading investment firms, BMO Nesbitt Burns has an established

reputation within financial services. Since its origins in 1912, the firm has been

committed to helping clients meet their investment objectives and goals with the highest

of standards.

Today, the Private Client Division of BMO Nesbitt Burns is focused on meeting the needs

of individual investors through a customized approach to investing. More than 1,500

Investment Advisors provide clients with personal advice and services, drawing upon

some of the best knowledge and expertise in the industry including BMO Nesbitt Burns’

top-ranked research.

As part of Bank of Montreal’s Private Client Group, BMO Nesbitt Burns also provides

clients with access to one of the broadest selections of investment solutions and products

available today.

The Private Client Group brings together all of the bank’s wealth management services,

both in Canada and the United States.