BMO Harris Employer Assisted Housing Program†

BMO Harris wants to help more of our employees achieve the dream of owning their own home. We’re pleased to announce a program that may help make homeownership possible for you and your family. For all , , , , , , , Washington and employees who qualify,* BMO Harris will provide a $2,500 grant towards closing costs or the down payment on your first home with a BMO Harris first mortgage.

If you’ve thought about homeownership, but haven’t taken the first step, now is a great time to possibly make your dream come true!

Consider these benefits: • Special program for first-time homebuyers** • $2,500 in grant money*** towards closing cost or your down payment with a BMO Harris first mortgage • Applicants may be eligible for an interest rate reduction on a BMO Harris mortgage • Applicants may also qualify for other closing costs or down payment assistance

To receive further information or to take advantage of this special program designed for BMO Harris and BMO employees working at a BMO Harris Location and living in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri, Washington or Wisconsin, contact Jeff Stocks at 262-253-6243 with questions.

† Program is effective as of November 3, 2011, is subject to change and can be withdrawn at any time without notice. This program may not be available with other BMO Harris programs or offers. *Available to full-time and part-time employees (20 hour minimum) of BMO Harris N.A. who work at a BMO Harris Location in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri, Washington or Wisconsin, or any affiliate in Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri, Washington or Wisconsin who have completed one year of satisfactory service. Applicant must be in good standing with satisfactory or better performance appraisal, attendance and punctuality records as confirmed by BMO Harris Human Resources. Must be able to qualify for mortgage financing from BMO Harris Bank N.A., and is subject to credit approval and underwriting guidelines. Must be able and willing to contribute at least $1,000 or 1% of the purchase price, whichever is greater, from applicant’s savings. Applicant must demonstrate commitment to working with the EAH program by meeting pertinent conditions stipulated by BMO Harris, including but not limited to credit counseling, home buying education and filling out EAH program reports as required. Applicant cannot exceed maximum income eligibility requirements. **Applicant must be a first-time homebuyer. A first-time homebuyer is someone who has not owned a home within the past 36 months. ***Employee responsible for any income taxes on $2,500 grant. Grant must be repaid by employee if employee (i) voluntarily terminates employment with BMO Harris within three years or is terminated for cause; (ii) property is sold or transferred; or (iii) no longer resides in property as employee’s principal residence. BMO Harris BankSM and BMO HarrisSM are trade names used by BMO Harris Bank N.A. Member FDIC.

Confidential – For Internal Use Only