Offers from BMO Harris — to help you with homeownership!

Mortgages, New Home, Dream Home: We’ll Help Make It Yours. Our experienced Mortgage Bankers can help you choose the mortgage option that’s right for you. GET A Enjoy these Work | | Live program advantages. • 1/4% interest rate discount on mortgages for home purchase1 % % INTEREST INTEREST 1 1 1 • 1/8% interest rate discount on mortgage refinances /4 RATE /8 RATE Contact the BMO Harris Employee Banking Team at Discount on Discount on 1-888-398-2265 to learn more. Mortgages for Mortgage Home Purchase1 Refinances1

$2,500 Credit with the BMO Harris Employer-Assisted APPLY TODAY! Housing Grant Program2 A BMO Harris Employer-Assisted Housing Grant may help make homeownership possible for you and your family. For all , , , , , , , Washington and employees who qualify,3 BMO Harris will provide a $2,5004 grant towards closing costs or the down payment on your first home5 with a BMO Harris first mortgage. The $2,500 grant can also be combined with a 1/4% interest rate mortgage discount on a BMO Harris ARM or fixed-rate purchase mortgage. Plus, this program may also be used with other local or governmental grants to provide even more help.

To apply for the BMO Harris EAH Grant Program, please fill out and submit the BMO Harris EAH Eligibility Application. Contact Jeff Stocks at 262-253-6243 with questions or contact the BMO Harris Employee Banking Team at 1-888-398-2265.

See page 2 for important information. 1The mortgage rate discount is only available on a primary residence and is subject to credit approval and underwriting guidelines. 2Program is effective as of November 3, 2011, is subject to change and can be withdrawn at any time without notice.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. 3Available to full-time and part-time employees (20 hour minimum) of BMO Harris Bank 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, homebuying education and filling out EAH program reports as required. Applicant cannot exceed maximum income eligibility requirements. 4Employee 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) the employee no longer resides in property as employee’s principal residence. 5Applicant must be a first-time homebuyer. A first-time homebuyer is someone who has not owned a home within the past 36 months. BMO Harris BankSM and BMO HarrisSM are trade names used by BMO Harris Bank N.A. Member FDIC.

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