This email is not intended to be forwarded to retail investors. You may however forward any of the attached documents to your clients for consideration. cid:[email protected] November 2014 Dear Friends: Below is a summary of the preliminary terms of the November 2014 BMO Harris Bank N.A. market-linked CDs. Please contact us with any questions or if you would like additional information. 732-807-2354 BMO Harris Bank N.A. Equity-Linked CDs – November 2014 BMO Harris CD#1 Description: 6yr Basket Participation CD Issuer: BMO Harris Bank N.A. Reference Stocks: JNJ, MCD, WMT, CLX, PG, ED, T, KO, CVX, SYY Maturity: 11/30/2020 (6 Years) Trade Date: 11/24/2014 Settlement Date: 11/28/2014 Price: 97.25 Participation Rate: [60 – 70]% (TBD on Trade Date) CUSIP: 05573J H23 FDIC Insured: Yes, up to applicable limits Tax Treatment: CPDI Term Sheet: click here Marketing Doc: click here BMO Harris CD#2 Description: 6yr Select Annual Digital Yield Generator CD Issuer: BMO Harris Bank N.A. Maturity: 11/30/2020 (6 Years) Trade Date: 11/24/2014 Settlement Date: 11/28/2014 Price: 97.25 Digital Coupon: [5.00-6.00]% APY (TBD on Trade Date) Floor: -15% CUSIP: 05573J G81 FDIC Insured: Yes, up to applicable limits Reference Stocks: JNJ, MCD, WMT, CLX, PG, ED, T, KO, CVX, SYY Tax Treatment: VRDI Term Sheet: click here Marketing Doc: click here BMO Harris CD#3 Description: 5yr Annual Digital Yield Generator CD Issuer: BMO Harris Bank N.A. Maturity: 11/29/2019 (5 Years) Trade Date: 11/24/2014 Settlement Date: 11/28/2014 Price: 97.25 Digital Coupon: [5.00-6.00]% APY (TBD on Trade Date) Floor: -15% CUSIP: 05573J G73 FDIC Insured: Yes, up to applicable limits Reference Stocks: F, MCD, MO, STX, POT, VOD, BMY, AAPL, DG, WAG Tax Treatment: VRDI Term Sheet: click here Marketing Doc: click here BMO Harris CD#4 Description: 4yr Annual Digital Yield Generator CD Issuer: BMO Harris Bank N.A. Maturity: 11/30/2018 (4 Years) Trade Date: 11/24/2014 Settlement Date: 11/28/2014 Price: 97.75 Digital Coupon: [3.50-4.50]% APY (TBD on Trade Date) Floor: -15% CUSIP: 05573J G65 FDIC Insured: Yes, up to applicable limits Reference Stocks: F, MCD, MO, STX, POT, VOD, BMY, AAPL, DG, WAG Tax Treatment: VRDI Term Sheet: click here Marketing Doc: click here BMO Harris CD#5 Description: 6yr Annual Digital Yield Generator with Minimum CD Issuer: BMO Harris Bank N.A. Maturity: 11/30/2020 (6 Years) Trade Date: 11/24/2014 Settlement Date: 11/28/2014 Price: 97.25 Digital Coupon: [5.25-6.25]% APY (TBD on Trade Date) Minimum Interest Rate: 0.25% per annum (pays the greater of 0.25% and variable) Floor: -15% CUSIP: 05573J G99 FDIC Insured: Yes, up to applicable limits Reference Stocks: F, MCD, MO, STX, POT, VOD, BMY, AAPL, DG, WAG Tax Treatment: VRDI Term Sheet: click here Marketing Doc: click here This solicitation was sent by or on behalf of BMO Capital Markets Investor Solutions Team, 3 Times Square, 27th floor, New York, New York 10036. To opt out of receiving future email advertisements from BMO Capital Markets Investor Solutions Team, please reply to this email with the word “unsubscribe” in the body of the email. Anthony Guglielmo Fixed Income Sales NATIONAL SECURITIES Established 1947, MEMBER FINRA/SIPC One Hovchild Plaza 4000 Route 66, Suite 331 Tinton Falls NJ 07753 Tel - (732) 807-2354 Fax -(732) 837-2552 [email protected] For Broker/Dealer Use Only Securities offered through National Securities Corporation, Inc (NSC). Member FINRA/SIPC Investment Advisory Services offered through National Asset Management, Inc. (NAM) Insurance Services offered through National Insurance Corporation. (NIC) Tax advice offered through Gilman Ciocia, Inc. and not through NSC, NAM or NIC. Gilman, NSC, NAM and NIC are affiliated entities Securities and investments involve risk. Certain tax and/or estate planning strategies may be used in an effort to reduce the overall risk to one's portfolio. However, risk related to securities and investment products can never be completely eliminated.