|Bank of Montreal (BMO Financial Group) is a diversified financial services provider that provides a range of retail banking, wealth management and investment banking products and services. It conducts business through three operating groups: Personal and Commercial Banking (P&C) consisting of Personal and Commercial Banking Canada (P&C Canada) and Personal and Commercial Banking U.S. (P&C U.S); Private Client Group (PCG), and BMO Capital Markets. As of October 31, 2012, the Company served more than seven million customers across Canada through its Canadian retail arm, BMO Bank of Montreal. It also serves customers through its wealth management businesses: BMO Nesbitt Burns, BMO InvestorLine, BMO Global Private Banking, BMO Global Asset Management and BMO Insurance. BMO Capital Markets provides a range of products and services to corporate, institutional and government clients.