Investor Presentation

Diversified wholesale funding platform Senior unsecured, secured and capital programs provide BMO with diversification and cost-effective funding Canada1 Canadian MTN Shelf Fortified Trust (C$5B) • • Other Securitization (RMBS, • Canada Mortgage Bonds, Mortgage-Backed Securities) • • • • • U.S.1 • SEC Registered U.S. Shelf (US$42B) • Global Registered Covered Bond Program (US$40B) Securitization (Credit cards, Auto, Transportation Finance) Recent Notable Transactions US$582 million 7-yr Master Credit Card Trust II Notes C$2 billion 5-yr Fixed Rate Senior Unsecured Notes at 4.537% US$1.15 billion 3-yr Fixed Rate Senior Unsecured Notes at 5.266% US$350 million 3-yr Floating Rate SOFR Senior Unsecured Notes US$529 million 7-yr Master Credit Card Trust II Notes Europe, Australia & Asia¹ Note Issuance Programme (US$22B) Australian MTN Programme (A$6B) Global Registered Covered Bond Program (US$40B) • US$529 million 5-yr Master Credit Card Trust II Notes • • • • • . US$1 billion 5-yr Fixed Rate Senior Unsecured Notes at 5.717% US$1.2 billion 2-yr Fixed Rate Senior Unsecured Notes at 5.920% US$300 million 2-yr Floating Rate SOFR Senior Unsecured Notes C$1.15 billion 10-yr Fixed Rate Subordinated Notes at 6.034% US$634 million 2-yr Master Credit Card Trust II Notes US$1 billion 5-yr Fixed Rate Covered Bond at 4.689% 1 Indicated dollar amounts beside each wholesale funding program denotes program issuance capacity limits BMOM Investor Presentation ⚫ February 2024 52 62

View entire presentation