INSERT CLIENT LOGO Click to edit Master title style 0 Overview of CCB and MCC Accounts Last Revised March 2012

11 Overview of Different Models Mutual Corporate Client (MCC)Client Of Correspondent Banking (CCB) Account structure Bank to bank agreement Client signs with BMO directly Account are jointly owned/controlled by you and your client Documentation Forms Your client signs the “Mutual Corporate client (MCC) Authorization” Your client signs the appropriate BMO service agreement You and your client both sign the “Agreement for CCB Accounts” You provide BMO with requisite account open material Implementation Forms You complete the appropriate BMO Implementation forms gathering input from the client Forms submitted either using paper, either via or mail You complete the appropriate BMO Implementation forms gathering input from the client Forms submitted either using paper, either via or mail Credit Risk Controls Your clients can operate on a pre-funded or via credit lines carved from your credit lines at BMO Your clients always operate with credit support from your lines at BMO Prefunding is not supported Information Reporting Your clients have access to real time information online Online Banking for Business is slated for a private label and single sign on capability in upcoming releases BMO can deliver MT940 or BAI file with previous day data to you You have access to real time activity on their clients on BMO’s Correspondent Banking portal CDA Web BMO can deliver MT940 or BAI file with previous day data to you

2 CBDS and MECH Accounts CCB ServiceMCC EquivalentComments CBDS Accounts International Accounts Mech Accounts Domestic Accounts Provides access to Canadian banking services Available in Canadian and US Dollars CDA WebOnline Banking for Business Provides online access to financial and transactional information Cash LettersBranch Deposits Provides a mechanism to submit bulk deposits to accounts Concentrator Deposit Service Firstbank Cash Concentration Service Provides a mechanism to make deposits any BMO branch and have the funds automatically transferred to a main account International PaymentsIncoming Wire Payments Provides the ability to receive funds via wire payments (guaranteed, timely deposits)

3 CBDS and MECH Accounts CCB ServiceMCC EquivalentComments Wholesale Lockbox Provides the ability to receive mail payments into an account, including reports Electronic Funds Transfer (EFT) Credits Electronic Funds Transfer (EFT) Credit Provides the ability to create a file of credit payments to be distributed electronically either to BMO accounts or to other Canadian banks Available in Canadian and US Dollars Electronic Funds Transfer (EFT) Debits Provides the ability to create a file of debit transactions to be collected electronically either from BMO accounts or from other Canadian banks Available in Canadian and US Dollars

4 CBDS and MECH Accounts CCB ServiceMCC EquivalentComments Drafts and ChecksChecks For CCB accounts: provides the ability to issue checks or draw drafts against the CCB account For MCC accounts: provides the ability to issue checks against the account Information Reporting Services: Host to Host FTF Information Reporting: MECH to SWIFT Provides the ability to receive bulk file delivery of reports and information

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