The Harris Market Linked CD1 product may be a fit for you if...
You are a long term investor, have $15,000 or more to invest, you seek safety for your principal amount invested and want to participate in the performance of the equity markets.
The best of both worlds
Harris Market Linked CDs are designed for investors who want it all: safety and growth potential of the stock market but with a guarantee2 that if you hold to maturity, you don’t lose a penny of your principal investment!
Diversify into the equity markets without the risk
When investing for the long term, many investment experts agree that you should have some exposure to the stock market. However, the uncertainty of the stock market makes some investors uncomfortable. To help you add growth potential to your portfolio while still protecting your principal investments, we offer a variety of Harris Market Linked CDs. Harris Market Linked CDs guarantee your initial investment, while offering returns that are based on the performance of selected equity indices such as the S&P 5003.
These features are available with our Market Linked Certificate of Deposit (CD) Accounts:
Currently offering terms of:4	5 years Contingent Coupon Note: These CDs are also available for IRA investment.
Interest:5 Return:7	Interest (where applicable) is not compounded. Interest may be paid annually or at maturity depending on the Market Linked CD Interest is not FDIC insured (but principal amount invested is FDIC6 insured). Variable return, depending on performance of the underlying index that CD is linked to (index such as the S&P 500 for example).
Minimum opening deposit:	$15,000
Other features and options: Liquidity:	Access to information about your account available by telephone and online. Early withdrawal generally not permitted. Secondary market subject to availability and market price8.

For more information, please talk to a Harris Financial Advisor* to discuss how this product may complement your existing portfolio. You can stop by your local Harris branch, or call us at 1-888-360-6394.

Notes:

1. Harris Market Linked CDs are issued by Harris N.A., and only available at Harris N.A.
2. The principal is protected by Harris N.A. if the CD is held to maturity.
3. "Standard & Poor's^®", "S&P^®", "S&P 500^®", and "Standard & Poor's 500" are trademarks of The McGraw-Hills Companies, Inc. and have been licensed for use by the Bank of Montreal and all its affiliates and wholly-owned subsidiaries (including Harris Banccorp. Inc. and Harris Investor Services, Inc.). The CDs are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation, warranty or condition regarding the advisability of investing in the CDs.
4. Harris N.A. may offer different types of Market Linked CDs. The terms may vary from issue to issue. Maturities are usually between 1 and 5 years. Minimum investment of $15,000 required. Please read the applicable Terms Supplement and Disclosure statement for the terms and conditions of the Market Linked CDs, possible risks of this type of instrument and for more information before investing. If you do not understand the terms of the Harris Market Linked CD, please contact a Harris Financial Advisor*.
5. Harris Market Linked CDs ("MLCD") provide interest tied to equity indices or stocks. Harris MLCDs tied to the equity market will generally pay interest only at maturity instead of periodically.
6. Harris Market Linked CDs are insured by the Federal Deposit Insurance Corporation ("FDIC"). Deposits at FDIC-insured institutions are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor.
7. While the principal amount of a Harris N.A. MLCD is guaranteed, if held to maturity and is repaid upon maturity, there is no guarantee of any return that is linked to the performance of underlying assets. Changes in the underlying assets may affect the rate of return of the CD. Harris MLCDs may return interest that is less than a comparable traditional CD, or which may be zero. MLCDs whose interest is determined based up on the performance of a market measure, such as equity indices or stocks, may be treated as issued with original issue discount ("OID"). Accordingly, a holder of a CD may be required to include OID on the CD as interest income during each taxable year that the holder owns the CD. Prospective purchasers of the CDs should consult their own tax advisors concerning the tax consequences of the ownership of a CD in their particular situation.
8. Early withdrawal generally not permitted. Sale or redemption subject to market price in secondary market, if made available by BMO Capital Markets, which could be less than initial investment.

*Harris Market Linked CD's are offered through Financial Advisors of Harris Investor Services, Inc., who also offer or provide other investment products including securities which are not FDIC insured. Harris Investor Services, Inc. (member of FINRA) is a non-bank affiliate of Harris N.A.