Dear Shareholder:

We are very pleased to welcome you as a new investor in Bank of Montreal.

As you begin to familiarize yourself with our company’s operations, goals and strategy, you’ll find our Annual Report to Shareholders – available online in the Investor Relations area of our website – to be a valuable source of information.

That strategic focus is evident in a number of dimensions. At the top of the list is growth. In the most recent fiscal year we posted our highest revenue growth of the past decade – against a backdrop of unsettled economic conditions, as well as sweeping and potentially challenging regulatory change

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