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Harris and M&I Bank have joined forces to form one of the strongest financial institutions in North America.* A bank with deep roots in the community and solid foundations dating back to 1817. We've also adopted a new name: BMO Harris Bank.

We know you may have questions. We'll begin by underlining one point:

To be bigger isn't enough. The key is to be better.

As one bank, we'll continue to focus on building relationships with our customers. We'll also maintain our deep commitment to the communities where our employees work and live. By supporting local causes. By continuing to reduce our environmental footprint. And, above all, by managing our business ethically and transparently. Banks have a direct impact on economic prosperity and growth. At BMO, we measure our success in meeting that responsibility by the fact that we've paid dividends every year since 1829.

We succeed by helping our customers succeed.

Everyone at BMO Harris Bank shares the same goal: to see our customers make their financial decisions with confidence. Now we're ready to set a new standard for excellence in banking. By combining the strengths of Harris and Marshall & Ilsley, we can be even more active as a community partner. We'll create high-quality jobs across the U.S. Midwest. And we'll offer an additional $5 billion in credit to small and medium-sized businesses over the next two years.

We look forward to introducing you to our new bank—and to showing you how, after nearly 200 years of serving customers better, we understand how to make a welcome last.

Signed Bill Downe
Bill Downe
President and Chief Executive Officer
BMO Financial Group
Signed Mark Furlong
Mark Furlong
President and Chief Executive Officer
BMO Harris Bank N.A.

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*BMO Harris Bank N.A. is part of BMO Financial Group. BMO Financial Group was ranked the 9th largest financial institution in North America based on market capitalization as of June 27, 2011.