The future outcomes that relate to forward-looking statements may be influenced by many factors, including but not limited to: general economic and market conditions in the countries in which we operate; the Canadian housing market; weak, volatile or illiquid capital and/or credit markets; interest rate and currency value fluctuations; changes in monetary, fiscal, or economic policy and tax legislation and interpretation; the level of competition in the geographic and business areas in which we operate; changes in laws or in supervisory expectations or requirements, including capital, interest rate and liquidity requirements and guidance, and the effect of such changes on funding costs; judicial or regulatory proceedings; the accuracy and completeness of the information we obtain with respect to our customers and counterparties; failure of third parties to comply with their obligations to us; our ability to execute our strategic plans and to complete and integrate acquisitions, including obtaining regulatory approvals; critical accounting estimates and the effect of changes to accounting standards, rules and interpretations on these estimates; operational and infrastructure risks, including with respect to reliance on third parties; changes to our credit ratings; political conditions, including changes relating to or affecting economic or trade matters; global capital markets activities; the possible effects on our business of war or terrorist activities; outbreaks of disease or illness that affect local, national or international economies; natural disasters and disruptions to public infrastructure, such as transportation, communications, power or water supply; technological changes; information and cyber security, including the threat of hacking, identity theft and corporate espionage, as well as the possibility of denial of service resulting from efforts targeted at causing system failure and service disruption; and our ability to anticipate and effectively manage risks arising from all of the foregoing factors.
We caution that the foregoing list is not exhaustive of all possible factors. Other factors and risks could adversely affect our results. For more information, please see the discussion in the Risks That May Affect Future Results section, and the sections related to credit and counterparty, market, insurance, liquidity and funding, operational, model, legal and regulatory, business, strategic, environmental and social, and reputation risk, in the Enterprise-Wide Risk Management section which begin on page 78 of BMO's 2018 Annual Report, and the Risk Management section in this document, all of which outline certain key factors and risks that may affect our future results. Investors and others should carefully consider these factors and risks, as well as other uncertainties and potential events, and the inherent uncertainty of forward-looking statements. We do not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by the organization or on its behalf, except as required by law. The forward-looking information contained in this document is presented for the purpose of assisting our shareholders in understanding our financial position as at and for the periods ended on the dates presented, as well as our strategic priorities and objectives, and may not be appropriate for other purposes.
Material economic assumptions underlying the forward-looking statements contained in this document are set out in the 2018 Annual Report under the heading "Economic Developments and Outlook", as updated by the Economic Review and Outlook section set forth in this document. Assumptions about the performance of the Canadian and U.S. economies, as well as overall market conditions and their combined effect on our business, are material factors we consider when determining our strategic priorities, objectives and expectations for our business. In determining our expectations for economic growth, both broadly and in the financial services sector, we primarily consider historical economic data provided by governments, historical relationships between economic and financial variables, and the risks to the domestic and global economy. Please see the Economic Review and Outlook section of our Second Quarter 2019 Report to Shareholders.
INVESTOR AND MEDIA PRESENTATION
Investor Presentation Materials
Interested parties are invited to visit our website at www.bmo.com/investorrelations [https://c212.net/c/link/?t=0&l=en&o=2479250-1&h=4025666608&u...] to review our 2018 annual MD&A and audited annual consolidated financial statements, quarterly presentation materials and supplementary financial information package.
Quarterly Conference Call and Webcast Presentations
Interested parties are also invited to listen to our quarterly conference call on Wednesday, May 29, 2019, at 8:00 a.m. (ET). The call may be accessed by telephone at 416-641-2144 (from within Toronto) or 1-888-789-9572 , entering Passcode: 3792150#. A replay of the conference call can be accessed until Monday, August 26, 2019, by calling 905-694-9451 (from within Toronto) or 1-800-408-3053 and entering Passcode: 9055681#.
A live webcast of the call can be accessed on our website at www.bmo.com/investorrelations [https://c212.net/c/link/?t=0&l=en&o=2479250-1&h=4025666608&u...]. A replay can also be accessed on the site.
Shareholder Dividend Reinvestment and Share Purchase For other shareholder information, including the notice for our normal Plan (the Plan) course issuer bid, please contact Average market price as defined under the Plan Bank of Montreal February 2019: $98.92 Shareholder Services March 2019: $100.76 Corporate Secretary's Department April 2019: $105.72 One First Canadian Place, 21st Floor Toronto, Ontario M5X 1A1 For dividend information, change in shareholder address Telephone: (416) 867-6785 or to advise of duplicate mailings, please contact Fax: (416) 867-6793 Computershare Trust Company of Canada E-mail: corp.secretary@bmo.com 100 University Avenue, 8th Floor Toronto, Ontario M5J 2Y1 For further information on this document, please contact Telephone: 1-800-340-5021 (Canada and the United States) Bank of Montreal Telephone: (514) 982-7800 (international) Investor Relations Department Fax: 1-888-453-0330 (Canada and the United States) P.O. Box 1, One First Canadian Place, 10th Floor Fax: (416) 263-9394 (international) Toronto, Ontario M5X 1A1 E-mail: service@computershare.com To review financial results and regulatory filings and disclosures online, please visit our website at www.bmo.com/investorrelations . ---
Our 2018 Annual MD&A, audited annual consolidated financial statements and annual report on Form 40-F (filed with the U.S. Securities and Exchange Commission) are available online at www.bmo.com/investorrelations [https://c212.net/c/link/?t=0&l=en&o=2479250-1&h=4025666608&u...] and at www.sedar.com [https://c212.net/c/link/?t=0&l=en&o=2479250-1&h=3514734326&u...]. Printed copies of the bank's complete 2018 audited financial statements are available free of charge upon request at 416-867-6785 or corp.secretary@bmo.com[mailto:corp.secretary@bmo.com].
Registered trademark of Bank of Montreal
Media Relations Contacts: Paul Gammal, Toronto, paul.gammal@bmo.com, +1-416-867-6543; Franois Morin, Montreal, francois1.morin@bmo.com, +1-514-877-1873; Investor Relations Contacts: Jill Homenuk, Head, Investor Relations, jill.homenuk@bmo.com, +1-416-867-4770; Christine Viau, Director, Investor Relations, christine.viau@bmo.com, +1-416-867-6956
Web site: http://www.bmo.com/
