BMO Harris CD #1 Description: 6yr Annual Digital Yield Generator CD with Minimum Issuer: BMO Harris Bank N.A. Maturity: 1/29/2021 (6 Years) Trade Date: 1/26/2015 ***Early Trade Date*** Settlement Date: 1/29/2015 Price: 97.25 Digital Coupon: [5.50-6.50]% APY (TBD on Trade Date) Minimum Interest Rate: 0.25% per annum (pays the greater of 0.25% and variable) Floor: -15% CUSIP: 05573J L85 FDIC Insured: Yes, up to applicable limits Reference Stocks: F, MCD, MO, STX, POT, VOD, BMY, AAPL, DG, WBA Tax Treatment: VRDI Term Sheet: click here Marketing Doc: click here BMO Harris CD #2 Description: 7yr Basket Participation CD Issuer: BMO Harris Bank N.A. Reference Stocks: JNJ, MCD, WMT, CLX, PG, ED, T, KO, CVX, TGT Maturity: 1/31/2022 (7 Years) Trade Date: 1/27/2015 Settlement Date: 1/30/2015 Price: 97.75 Participation Rate: [85 – 95]% (TBD on Trade Date) CUSIP: 05573J M43 FDIC Insured: Yes, up to applicable limits Tax Treatment: CPDI Term Sheet: click here Marketing Doc: click here BMO Harris CD #3 Description: 4yr Annual Digital Yield Generator CD Issuer: BMO Harris Bank N.A. Maturity: 1/31/2019 (4 Years) Trade Date: 1/27/2015 Settlement Date: 1/30/2015 Price: 97.75 Digital Coupon: [3.50-4.50]% APY (TBD on Trade Date) Floor: -15% CUSIP: 05573J L93 FDIC Insured: Yes, up to applicable limits Reference Stocks: F, MCD, MO, STX, POT, VOD, BMY, AAPL, DG, WBA Tax Treatment: VRDI Term Sheet: click here Marketing Doc: click here BMO Harris CD #4 Description: 5yr Annual Digital Yield Generator CD Issuer: BMO Harris Bank N.A. Maturity: 1/31/2020 (5 Years) Trade Date: 1/27/2015 Settlement Date: 1/30/2015 Price: 97.25 Digital Coupon: [5.00-6.00]% APY (TBD on Trade Date) Floor: -15% CUSIP: 05573J M27 FDIC Insured: Yes, up to applicable limits Reference Stocks: F, MCD, MO, STX, POT, VOD, BMY, AAPL, DG, WBA Tax Treatment: VRDI Term Sheet: click here Marketing Doc: click here BMO Harris CD #5 Description: 6yr Select Annual Digital Yield Generator CD Issuer: BMO Harris Bank N.A. Maturity: 1/29/2021 (6 Years) Trade Date: 1/27/2015 Settlement Date: 1/30/2015 Price: 97.25 Digital Coupon: [5.25-6.25]% APY (TBD on Trade Date) Floor: CUSIP: -15% 05573J M35 FDIC Insured: Yes, up to applicable limits Reference Stocks: JNJ, MCD, WMT, CLX, PG, ED, T, KO, CVX, TGT Tax Treatment: VRDI Term Sheet: click here Marketing Doc: click here 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. 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The information contained herein is as of the e and time referenced above and BMOCMC does not undertake any obligation to update such information, except to the extent, if any, required by law. O Capital Markets is a trade name used by BMO Financial Group for the wholesale banking businesses of Bank of Montreal, Harris N.A. and BMO Ireland Plc, and the institutional broker ler businesses of BMO Capital Markets Corp., BMO Nesbitt Burns Trading Corp. and BMO Capital Markets GKST Inc. in the U.S., BMO Nesbitt Burns Inc. (Member CIPF) in Canada, ope and Asia, BMO Nesbitt Burns Securities Limited (U.S. registered and member of FINRA), and BMO Nesbitt Burns Ltée/Ltd. (Member CIPF) in Canada, and BMO Capital Markets ted in Europe and Australia. egistered trademark of Bank of Montreal in the United States, Canada and elsewhere. k of Montreal has filed a registration statement (including a prospectus) with the SEC for the offerings to which this communication relates. 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