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Harris Facts
Founded 1882 as N.W. Harris & Co.
Established as a Bank 1907 as Harris Trust and Savings Bank
Established Under Current Charter 2005 as Harris N.A.
Parent Company BMO Financial Group, Toronto, Canada
U.S. Holding Company Harris Financial Corp.
Bank Holding Company Harris Bankcorp, Inc.
Chief Executive Officer
Harris Bankcorp, Inc.		 Ellen Costello
Headquarters 111 W. Monroe St.
Chicago, Illinois 60603
Branches 280 in Illinois, Indiana, and Wisconsin
ATMs 636
Affiliated Businesses and Divisions Harris Private Bank
Harris myCFO Inc.
Harris Investor Services, Inc.
Harris Investment Management, Inc.
BMO Capital Markets, Corp.
Additional Affiliated Locations
Arizona California
Florida Georgia
New York New Jersey
Texas Virginia
Washington
Asset Information (U.S. Dollars)
Harris N.A.
Harris Bankcorp, Inc.
BMO Financial Group – U.S.
BMO Financial Group
Quarterly Average Period Ending
$41.9 billion± $39.9 billion ±
$42.8 billion± $40.7 billion ±
$112.6 billion NA
$377.6 billion $359.1 billion
Tier 1 Risk – Based Capital Ratio
Harris N.A.
Harris Bankcorp., Inc.
BMO Financial Group


11.10%±
9.83%±
12.24%

Credit Ratings**

HARRIS N.A.

Moody’s

S&P

Fitch

Rating Outlook

Rating Under Review

Stable

Stable

Senior Debt

Aa3

A+

AA-

HARRIS BANKCORP, INC.

Moody’s

S&P

Fitch

Rating Outlook

Rating Under Review

Stable

Stable

Senior Debt

*

A+

AA-

BMO FINANCIAL GROUP

Moody’s

S&P

Fitch

Rating Outlook

Rating Under Review

Stable

Stable

Senior Debt

Aa1

A+

AA-
Regulators Office of the Comptroller of Currency (for Harris N.A.)
Federal Reserve Bank of Chicago (for Harris Financial Corp.)
Total Number of Employees Across U.S. Businesses 6,732
As of 10.31.09 - EXCEPTION: As of ±9.30.09
* Not Applicable
** Credit Ratings as of 12.1.09. For the most recent Credit Ratings, please visit http://www2.bmo.com/content/0,1089,divId-3_langId-1_navCode-4277,00.html.





Corporate Information | Careers | Regulators | Legal | Security | Privacy

Harris® is a trade name used by Harris N.A. and its affiliates. Member FDIC.

Third party web sites may have privacy and security policies different from Harris. Links to other web sites do not imply the
endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from
Harris web sites.

Brokerage products offered through Harris Investor Services, Inc. registered broker/dealer, member FINRA/SIPC, SEC-registered investment adviser. Insurance and
annuities offered through Harris Bancorp Insurance Services, Inc. Harris Investor Services, Inc. and Harris Bancorp Insurance Services, Inc. are affiliates of Harris
N.A. and its banking subsidiaries. Products offered are: NOT A DEPOSIT - NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY - NOT
GUARANTEED BY ANY BANK - MAY LOSE VALUE.

United States Department of Treasury Regulation Circular 230 requires that we notify you that, with respect to any statements regarding tax matters made herein,
including any attachments, (1) nothing herein was intended or written to be used, and cannot be used by you, to avoid tax penalties;and (2) nothing contained
herein was intended or written to be used, and cannot be used, or referred to in any marketing or promotional materials. Further, to the extent any tax statement or
tax advice is made herein, Harris N.A. does not and will not impose any limitation on disclosure of the tax treatment or tax structure of any transactions to which
such tax statement or tax advice relates. Harris N.A.does not provide legal advice to clients. You should review your particular circumstances with your
independent legal and tax advisors.