BMO Financial Group

Established in 1817 as Bank of Montreal, BMO Financial Group (TSX, NYSE: BMO) is a highly diversified financial services organization. With total assets of $298 billion at October 31, 2005 and more than 34,000 employees, BMO provides a broad range of retail banking, wealth management and investment banking products and solutions.

We serve Canadian clients through BMO Bank of Montreal?, our personal and commercial banking business, BMO Nesbitt Burns?*, one of Canada’s leading wealth management firms, and BMO Capital MarketsTM, our North American investment and corporate banking division.

In the United States, clients are served through Harris, a major U.S. Midwest financial services organization with a network of community banks in the Chicago area and wealth management offices across the United States, as well as BMO Capital MarketsTM, our North American investment and corporate banking division.

We help our customers manage their financial affairs by delivering the broadest range of financial services through a single point of contact. Our financial service professionals provide access to any services our customers require across the entire enterprise.

The BMO Financial Group is made up of three client groups:

• Personal and Commercial Client Group (P&C)
• Private Client Group (PCG)
• Investment Banking Group (IBG)

The History of Bank of Montreal

Bank of Montreal, Canada's first bank, opened for business on November 3, 1817. It provided Canada's first sound and plentiful currency and has played a major and continuing role in the development of the country, taking part in the financing of the first transcontinental railway in the 1880s. The Bank took part in the creation of Canadian Confederation in 1867, and served as Canada's central bank until 1935. The first Canadian bank to open branches abroad, it has long been active in markets in Europe, Latin America, and East Asia as well as in the United States. Today it continues as one of Canada's pre-eminent financial institutions and a significant presence in United States and world markets.

For more information, please visit our web site at www.bmo.com