BANK OF MONTREAL /CAN/

For the period ended Oct 31, 2025. Filed Dec 4, 2025.

About this filing

The yearly report of certain Canadian companies, filed under a joint US and Canadian system. It is the main yearly account these companies give US investors, largely as filed in Canada.

FY2025 · Filed Dec 4, 2025

Use the contents to explore the available documents and sections.

BMO$171.13-0.8%Stored close · as of Nov 6, 2026

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Contents

CODE OF ETHICS

The Bank’s Code of Conduct (“Code”) is a principles-based foundational document that outlines the Bank’s expectation around business conduct and ethical behaviour. It is applicable to every director and employee of the Bank. The Code is available on the Bank’s website

https://www.bmo.com/en-ca/main/about-bmo/who-we-are/business-conduct/

and is available in print without charge to any shareholder upon request by contacting

ethics@bmo.com

. Unless and to the extent specifically referred to herein, the information on the Bank’s website shall not be deemed to be incorporated by reference in this annual report on Form

40-F.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.