Acquisition of Marshall & Ilsley Corp.

BMO's Pro-forma North American Footprint Greater Edmonton 37* Greater Vancouver 74* Greater Calgary 42* Greater Winnipeg 27* Greater Phoenix 48* Greater Minneapolis 37* Greater Milwaukee 96* Greater Indianapolis 42* M&I (Marshall & Ilsley) Branches - 374 locations Source: SNL Financial and Company Disclosure BMO Financial Group Halifax/ Saint John 22* Greater Montreal 94* Greater Toronto 202* Chicagoland 216* Florida 39* BMO Branches 910 locations Harris Bank Branches - 312 locations Harris Private Banking (Wealth Mgmt) BMO Capital Markets * Combined retail locations in major urban centers Acquisition of Marshall & Ilsley Corp. December 17, 2010 5

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