Bank of Montreal Investor Presentation — February 2021

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February 23, 20212Caution Regarding Forward- Looking Statements

From time totime, our public communications often include oral orwritten forward -

looking statements .Statements ofthis type areincluded inthis document, and may be

included inother filings with Canadian securities regulators orthe U.S.Securities and

Exchange Commission, orinother communications .Inaddition, representatives ofthe

Bank may include forward -looking statements orally toanalysts, investors, the media

and others .Allsuch statements are made pursuant tothe “safe harbor” provisions of

the U.S.Private Securities Litigation Reform Act of1995 and any applicable Canadian

securities legislation .Forward -looking statements may include, but are not limited to,

statements made inthis document, the Management’s Discussion and Analysis inthe

Bank’s 2020 Annual Report under the headings “Outlook” and inother statements

regarding the Bank’s objectives, strategies toachieve those objectives, the regulatory

environment inwhich the Bank operates, anticipated financial results, and the outlook

for the Bank’s businesses and for the Canadian, U.S.and global economies .Such

statements are typically identified bywords orphrases such as“believe,” “expect,”

“foresee,” “forecast,” “anticipate,” “intend,” “estimate,” “plan,” “goal,” “project,” and

similar expressions offuture orconditional verbs, such as“will,” “may,” “should,”

“would” and “could .”

Bytheir very nature, forward -looking statements require ustomake assumptions and

aresubject toinherent risks and uncertainties, which give rise tothe possibility that our

predictions, forecasts, projections, expectations orconclusions will not prove tobe

accurate, that our assumptions may not becorrect and that our financial performance

objectives, vision and strategic goals willnot beachieved .

We caution readers not toplace undue reliance onthese statements asanumber of

risk factors, many ofwhich are beyond our control and effects ofwhich can bedifficult

topredict, could cause our actual results todiffer materially from the expectations,

targets, estimates orintentions expressed insuch forward -looking statements .

The future outcomes that relate toforward -looking statements may beinfluenced by

many factors, including but not limited to:general economic and market conditions in

the countries inwhich weoperate ;changes incurrency and interest rates ;increased

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