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Harris Bank Plans to Consolidate Illinois Charters

Harris Bank Plans to Consolidate Illinois Charters

June 4, 2004, Chicago, IL – Harris Bank is filing an application with the Office of the Comptroller of the Currency for approval of a plan to consolidate 25 of its Illinois bank charters into one national bank charter, Harris N.A., with headquarters to be located in downtown Chicago at 111 W. Monroe Street. Consolidation is subject to receipt of regulatory approval and is expected to be completed in February 2005.

Charter consolidation is a regulatory initiative by Harris to simplify its structure, with no impact on Harris’ community banking model and operating philosophy. Harris will continue its long-standing commitment to personal service, community banking and local leadership. Harris customers will be able to manage their accounts just as they do today. Local presidents and boards will remain focused on building business and strengthening ties with local neighborhoods through continued involvement in community relations activities.

Harris, with $30 billion in assets, is one of the largest community bank networks in Illinois, a nationally recognized provider of private client and personal trust services and a premier Midwest mid-market corporate bank. Harris serves individuals and businesses throughout nine Chicagoland regions, each with local Harris leadership. Customers have access to more than 450 Harris ATMs free of charge, and nearly 160 full-service locations throughout Chicagoland. Harris Bank is wholly owned by BMO Financial Group, a highly diversified financial services institution. Please visit www.harrisbank.com and www.bmo.com for more information.

For further information:

Contact:
Maeve Kiley, Harris Bank, 312-293-8905

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Banking products and services are provided by BMO Harris Bank N.A. and are subject to bank and credit approval. BMO Harris Bank N.A. Member FDIC.

Notice to Customers

To help the government fight the funding of terrorism and money laundering activities, federal law (USA Patriot Act (Title III of Pub. L. 107 56 signed into law October 26, 2001)) requires all financial organizations to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask you to provide a copy of your driver's license or other identifying documents. For each business or entity that opens an account, we will ask for your name, address and other information that will allow us to identify the entity. We may also ask you to provide a copy of your certificate of incorporation (or similar document) or other identifying documents. The information you provide in this form may be used to perform a credit check and verify your identity by using internal sources and third party vendors. If the requested information is not provided within 30 calendar days, the account will be subject to closure.

Third party web sites may have privacy and security policies different from BMO. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from BMO web sites.

BMO Harris Premier Services represents a combined service approach of BMO Harris Financial Advisors and BMO Harris Bank, each a part of BMO Financial Group.

Securities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc. Member FINRA / SIPC . SEC-registered investment adviser. BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A. are affiliated companies. Securities and insurance products offered are: NOT FDIC INSURED – NOT BANK GUARANTEED – NOT A DEPOSIT – MAY LOSE VALUE.

This information is not intended to be tax or legal advice. This information cannot be used by any taxpayer for the purpose of avoiding tax penalties that may be imposed on the taxpayer. This information is being used to support the promotion or marketing of the planning strategies discussed herein. BMO Harris Bank N.A. and its affiliates do not provide legal or tax advice to clients. You should review your particular circumstances with your independent legal and tax advisors.