Mortgage offers from BMO Harris — to help you with homeownership! FHA Mortgage Loans From BMO Harris.1 Welcome Home. With an FHA mortgage, homeownership is more affordable than you might think. Thanks to great benefits like a low 3.5% down payment and a variety of fixed- and adjustable-rate loan options, FHA loans are perfect for first-time homebuyers or those with limited cash on hand. Find out how an FHA mortgage can help bring your homeownership dreams closer to home. LOW Our experienced Mortgage Bankers can help you choose the Down payment mortgage that’s right for you. Enjoy these Work | Bank | Live program advantages1: APPLY TODAY! • 1/4 % interest rate discount on purchases2 • 1/8 % interest rate discount on refinances2 Contact the BMO Harris Employee Banking Team at 1-888-398-2265 or see a Mortgage Banker to learn more. $2,500 Credit with a BMO Harris Employer-Assisted Housing Grant3 A BMO Harris Employer-Assisted Housing Grant may help make homeownership possible for you and your family. For all Arizona, Florida, Illinois, Indiana, Kansas, Minnesota, Missouri, Washington and Wisconsin employees who qualify,4 BMO Harris will provide a $2,5005 grant toward closing costs or the down payment on your first home6 with a BMO Harris first mortgage. The $2,500 grant can also be combined with a 1/4% interest rate 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. See page 2 for important information. 1Subject to our credit approval and underwriting guidelines. FHA Mortgage Loans are available for owner occupied 1-4 unit primary residences in AZ, FL, KS, IL, IN, MO, WA and WI only, up to the applicable FHA lending limits. 2The mortgage rate discount is only available on a primary residence. This offer cannot be combined with any other rate offer and is subject to change or cancellation without notice. Offer available only to U.S. employees and retirees of BMO Harris Bank N.A., Bank of Montreal and BMO Capital Markets, their families and life partners. 3 Program is effective as of November 3, 2011, is subject to change and can be withdrawn at any time without notice.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. 4 Available 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 Bank of Montreal 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. 5 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. 6 Applicant 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. Confidential – For Internal Use Only.