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BMO Harris Bank N.A. to Redeem $5,000,000 Fixed/Floating Rate Junior Subordinated Debentures

BMO Harris Bank N.A. to Redeem $5,000,000 Fixed/Floating Rate Junior Subordinated Debentures

CHICAGO (July 30, 2012) – BMO Harris Bank N.A. ("BHB"), the successor to Excel Bank Minnesota, today announced its intention to redeem all $5,000,000 aggregate principal amount of its Fixed/Floating Rate Junior Subordinated Debentures (the "Notes") on September 17, 2012 (the "Redemption Date").

The Notes are redeemable at BHB's option after giving notice of such redemption to the holders of Notes at least 30 and not more than 60 days prior to the Redemption Date. The Notes are redeemable at par together with unpaid accrued interest to but excluding the date fixed for redemption. Interest on the Notes will cease to accrue from and after the Redemption Date.

Notice will be delivered to holders of the Notes in accordance with the terms contained in the indenture governing the Notes.

About BMO Financial Group
Based in Chicago, BMO Harris Bank N.A. provides a broad range of personal banking products and solutions through over 650 branches and approximately 1,350 ATMs in Illinois, Wisconsin, Indiana, Kansas, Missouri, Minnesota, Nevada, Arizona and Florida. BMO Harris Bank's commercial banking team provides a combination of sector expertise, local knowledge and mid-market focus through out the U.S. Deposit and loan products and services provided by BMO Harris Bank N.A. Member FDIC. BMO Harris Bank is a trade name used by BMO Harris Bank N.A. BMO Harris Bank is part of BMO Financial Group, a North American financial organization with 1,600 branches, and a retail deposit base of approximately $180 billion.

For further information:

For News Media inquiries:
Beth Copeland, beth.copeland@micorp.com, 317-269-1395

For Investor Relations inquiries:
Michael Chase, Toronto, michael.chase@bmo.com, 416-867-5452
Andrew Chin, Toronto, andrew.chin@bmo.com, 416-867-7019

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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.