BMO FINANCIAL GROUP AT A GLANCE Founded in 1817 as Bank of Montreal, Ca nada’s first bank, BMO ¤ Financial Group is a  diversified financial services provider se rving customers throughout North America.  Personal and Commercial Client Group Private Client Group Investment Banking Group Operating Group Business Profile Financial Highlights The Personal and Commercial Client Group (P&C) is committed to providing more than eight million customers across Canada and the United States with a fully integrated approach to  managing all aspects of their financial affairs. We offer a full range of products and services through our highly skilled financial service providers in more than 1,100 BMO Bank of Montreal ¤ and Harris Bank branches, as well as through direct banking channels such as bmo.com, harrisbank.com and a network of more than 2,200 automated banking machines.  The Private Client Group (PCG) is dedicated to helping clients accumu- late, protect and grow their financial assets. Operating as The Harris in the United States and BMO Private Client Group in Canada, PCG, with more than 5,400 employees, offers a full suite  of wealth management products and services. We have total assets under management and administration, in- cluding term deposits, of $270 billion. Operating under the BMO Nesbitt Burns and Harris Nesbitt ¤ 1 brands,  the Investment Banking Group (IBG) offers corporate, institutional and gov- ernment clients complete financial services, including advisory, capital- raising, investment and operating  services. Supported by top-ranked research, BMO Nesbitt Burns is a leader in mergers and acquisitions advisory, debt and equity underwrit- ing, institutional equity, securitization and trade finance.  * ¤ 1 ¤ 1 ¤ 1 TM1 ¤ 1 2002 2001 2000 Net IncomeGLYPH<CR> (excluding non-recurring items)GLYPH<CR> ($ millions) 822 785 968 2002 2001 2000 —40 —20 0 20 40 % Assets under ManagementGLYPH<CR> and AdministrationGLYPH<CR> (including term deposits) ($ billions) 234 237 270 TSX Composite Index (% growth) S&P 500 Composite Index (% growth) 2002 2001 2000 Total RevenueGLYPH<CR> (excluding non-recurring items)GLYPH<CR> ($ millions) 2,697 2,975 2,534