Group Description and Strategy 2002 Group Objectives and Achievements  Complete nation-wide rollout of the majority of Pathway Connect. Focus on our clients by creating an environment that supports a  GLYPH<210>market of oneGLYPH<211> approach to sales, service and relationships. Increase penetration in high-growth, high-value markets by leveraging industry-leading technology capabilities in wealth management and investment banking. Continue to create alliances and partnerships that deliver world-class financial solutions and outstanding quality to our clients. 2003 Group Focus HARRIS BANK  Description and Strategy Technology and Solutions 2003 Reporting Technology and Solutions (T&S) (formerly known as Emfisys $^{¤}$) provides information technology planning, strategy and develop- ment services, together with transaction processing, sourcing and real estate services for BMO Financial Group. In addition, T&S is responsible for the creation, development and support  of BMO’s e-business services. Our group’s strategy is to operate as a market-competitive organization, providing quality service and solutions that make us the supplier of choice for our clients. Harris Bank, with US$30 billion in assets, is one of the largest community bank networks in Illinois. We are a nationally recog- nized provider of private client and personal trust services, and a premier U.S. Midwest mid-market corporate and investment bank. We provide individual, small and medium-sized business and corporate clients throughout the Chicagoland area and beyond with high-quality service, advice and product choices. This wide array of quality services creates the foundation for strong customer relationships, which we believe are central to our business. Harris is a key component of BMO Financial Group’s strategy of expanding selectively and substantially in the United States. We plan to maintain our momentum in retail and business bank - ing through significant branch expansion and acquisitions, and by moving beyond our Chicagoland base. Another priority is to sustain our premier position among U.S. Midwest mid-market corporate and investment bank service providers. We plan to  do this by building on BMO Nesbitt Burns’ North American strengths. We are also focused on further expanding our national wealth management platform by deepening and broadening client relationships through our integrated service offerings. In fiscal 2003, BMO Financial GroupGLYPH<213>s reporting will evolve. BMO plans to  provide more detailed disclosure on U.S. results, including U.S. results by operating group. This change is consistent with the development of BMOGLYPH<213>s transnational growth strategy and will promote a better understanding of BMOGLYPH<213>s U.S. operations, which extend beyond the Harris Bank legal entity.  In conjunction with these changes, we expect to discontinue separate  disclosure of Harris BankGLYPH<213>s results. Subsequent to BMOGLYPH<213>s year end, Harris filed to voluntarily forgo its status as an SEC registrant. Therefore, no objec- tives are outlined for 2003, apart from those provided within the operating group sections. BMO FINANCIAL GROUP ANNUAL REPORT 2002 49 b The rollout of this state-of-the-art Windows 2000 platform will be com- pleted early in fiscal 2003. The platform, to be in all branches and direct banking centres across Canada, provides employees with electronic tools that help deepen relationships with clients and improve client service. b Significantly enhanced bmo.com and integrated all BMO Internet sites  to make it easier for each of our clients to access online accounts, tools, resources, products and services that meet their individual needs. b Launched dealerAccess $^{TM4}$, a multi-lender Internet portal for auto dealers. It allows clients to apply for automotive financing online. b Improve profitability by applying the most efficient, effective and  economical technology and processes to generate ongoing savings  and increased revenues. b BMOGLYPH<213>s wealth management acquisitions have built a nation-wide U.S. platform for the distribution of a full suite of products and services, which include private banking, full-service investing, direct investing, mutual funds and institutional money management. b Successfully integrated Harris direct (CSFB direct and Harris InvestorLine) within a single, industry-leading technology platform. b Completed the acquisition of the Morgan Stanley ¤ 6 Individual Investor Group online client accounts, which expanded Harris direct GLYPH<213>s high-end client base and provided opportunity to further leverage Harris direct GLYPH<213>s scale and leading edge technology.