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BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.73 w 0 i [] 0 d 1 J 1 j 3 M 519.4 242.69394531249998 m 530.523046875 242.69394531249998 l s q 0 0 1 rg BT 519.40 244.12 Td (27) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.73 w 0 i [] 0 d 1 J 1 j 3 M 519.4 227.69394531249998 m 530.523046875 227.69394531249998 l s q 0 0 1 rg BT 519.40 229.12 Td (28) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.73 w 0 i [] 0 d 1 J 1 j 3 M 519.4 212.69394531249998 m 530.523046875 212.69394531249998 l s q 0 0 1 rg BT 519.40 214.12 Td (29) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 7 0 obj <> endobj 8 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.60 60.25 Td ( p3 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (1.0 ) Tj ET Q q 0 0 0 rg BT 88.68 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 91.46 712.75 Td (Introduction) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 149.78 712.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 690.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 97.34 690.75 Td (of ) Tj ET Q q 0 0 0 rg BT 108.23 690.75 Td (Montreal ) Tj ET Q q 0 0 0 rg BT 149.68 690.75 Td (\(BMO\) ) Tj ET Q q 0 0 0 rg BT 181.66 690.75 Td (is ) Tj ET Q q 0 0 0 rg BT 191.43 690.75 Td (a ) Tj ET Q q 0 0 0 rg BT 199.54 690.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 232.66 690.75 Td (bank, ) Tj ET Q q 0 0 0 rg BT 259.67 690.75 Td (a ) Tj ET Q q 0 0 0 rg BT 267.78 690.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 292.01 690.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 326.81 690.75 Td (company ) Tj ET Q q 0 0 0 rg BT 369.93 690.75 Td (and ) Tj ET Q q 0 0 0 rg BT 389.16 690.75 Td (a ) Tj ET Q q 0 0 0 rg BT 397.27 690.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 436.50 690.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 471.30 690.75 Td (company ) Tj ET Q q 0 0 0 rg BT 514.42 690.75 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 678.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.24 678.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 113.37 678.75 Td (Holding ) Tj ET Q q 0 0 0 rg BT 149.62 678.75 Td (Company ) Tj ET Q q 0 0 0 rg BT 194.29 678.75 Td (Act ) Tj ET Q q 0 0 0 rg BT 211.07 678.75 Td (of ) Tj ET Q q 0 0 0 rg BT 221.75 678.75 Td (1956, ) Tj ET Q q 0 0 0 rg BT 249.11 678.75 Td (as ) Tj ET Q q 0 0 0 rg BT 262.01 678.75 Td (amended. ) Tj ET Q q 0 0 0 rg BT 308.83 678.75 Td ( ) Tj ET Q q 0 0 0 rg BT 311.16 678.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 336.28 678.75 Td (uses ) Tj ET Q q 0 0 0 rg BT 359.74 678.75 Td (a ) Tj ET Q q 0 0 0 rg BT 367.64 678.75 Td (unified ) Tj ET Q q 0 0 0 rg BT 399.44 678.75 Td (branding ) Tj ET Q q 0 0 0 rg BT 440.70 678.75 Td (approach ) Tj ET Q q 0 0 0 rg BT 484.74 678.75 Td (that ) Tj ET Q q 0 0 0 rg BT 503.76 678.75 Td (links ) Tj ET Q q 0 0 0 rg BT 526.10 678.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (organization) Tj ET Q q 0 0 0 rg BT 128.52 666.75 Td (s ) Tj ET Q q 0 0 0 rg BT 136.39 666.75 Td (member ) Tj ET Q q 0 0 0 rg BT 175.93 666.75 Td (companies ) Tj ET Q q 0 0 0 rg BT 227.15 666.75 Td (under ) Tj ET Q q 0 0 0 rg BT 255.59 666.75 Td (the ) Tj ET Q q 0 0 0 rg BT 272.36 666.75 Td (brand ) Tj ET Q q 0 0 0 rg BT 300.80 666.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 329.78 666.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 372.66 666.75 Td (Group ) Tj ET Q q 0 0 0 rg BT 406.65 666.75 Td (\(BMOFG\). ) Tj ET Q q 0 0 0 rg BT 455.62 666.75 Td ( ) Tj ET Q q 0 0 0 rg BT 458.48 666.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 483.30 666.75 Td (s ) Tj ET Q q 0 0 0 rg BT 491.17 666.75 Td (head ) Tj ET Q q 0 0 0 rg BT 516.28 666.75 Td (of) Tj ET Q q 0 0 0 rg BT 524.44 666.75 Td (fice ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 654.75 Td (is ) Tj ET Q q 0 0 0 rg BT 82.69 654.75 Td (in ) Tj ET Q q 0 0 0 rg BT 93.94 654.75 Td (Montreal, ) Tj ET Q q 0 0 0 rg BT 139.09 654.75 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 180.36 654.75 Td (with ) Tj ET Q q 0 0 0 rg BT 201.61 654.75 Td (executive ) Tj ET Q q 0 0 0 rg BT 247.32 654.75 Td (of) Tj ET Q q 0 0 0 rg BT 255.48 654.75 Td (fices ) Tj ET Q q 0 0 0 rg BT 279.51 654.75 Td (in ) Tj ET Q q 0 0 0 rg BT 290.54 654.75 Td (T) Tj ET Q q 0 0 0 rg BT 295.54 654.75 Td (oronto, ) Tj ET Q q 0 0 0 rg BT 330.13 654.75 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 371.41 654.75 Td (and ) Tj ET Q q 0 0 0 rg BT 391.56 654.75 Td (it ) Tj ET Q q 0 0 0 rg BT 400.03 654.75 Td (has ) Tj ET Q q 0 0 0 rg BT 419.61 654.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 442.53 654.75 Td (branch ) Tj ET Q q 0 0 0 rg BT 476.57 654.75 Td (of) Tj ET Q q 0 0 0 rg BT 484.73 654.75 Td (fices ) Tj ET Q q 0 0 0 rg BT 508.76 654.75 Td (in ) Tj ET Q q 0 0 0 rg BT 520.01 654.75 Td (New ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 642.75 Td (Y) Tj ET Q q 0 0 0 rg BT 77.75 642.75 Td (ork, ) Tj ET Q q 0 0 0 rg BT 97.05 642.75 Td (New ) Tj ET Q q 0 0 0 rg BT 119.52 642.75 Td (Y) Tj ET Q q 0 0 0 rg BT 125.27 642.75 Td (ork, ) Tj ET Q q 0 0 0 rg BT 144.57 642.75 Td (and ) Tj ET Q q 0 0 0 rg BT 163.89 642.75 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 205.99 642.75 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 239.19 642.75 Td (as ) Tj ET Q q 0 0 0 rg BT 252.38 642.75 Td (well ) Tj ET Q q 0 0 0 rg BT 272.24 642.75 Td (as ) Tj ET Q q 0 0 0 rg BT 285.43 642.75 Td (an ) Tj ET Q q 0 0 0 rg BT 299.19 642.75 Td (agency ) Tj ET Q q 0 0 0 rg BT 334.06 642.75 Td (of) Tj ET Q q 0 0 0 rg BT 342.22 642.75 Td (fice ) Tj ET Q q 0 0 0 rg BT 360.42 642.75 Td (in ) Tj ET Q q 0 0 0 rg BT 370.83 642.75 Td (Houston, ) Tj ET Q q 0 0 0 rg BT 413.32 642.75 Td (T) Tj ET Q q 0 0 0 rg BT 418.32 642.75 Td (exas. ) Tj ET Q q 0 0 0 rg BT 444.85 642.75 Td ( ) Tj ET Q q 0 0 0 rg BT 447.48 642.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 472.89 642.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 515.54 642.75 Td (Corp. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 630.75 Td (\(BFC\), ) Tj ET Q q 0 0 0 rg BT 104.66 630.75 Td (a ) Tj ET Q q 0 0 0 rg BT 113.44 630.75 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 158.89 630.75 Td (corporation, ) Tj ET Q q 0 0 0 rg BT 214.92 630.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 239.82 630.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 275.29 630.75 Td (company ) Tj ET Q q 0 0 0 rg BT 319.08 630.75 Td (and ) Tj ET Q q 0 0 0 rg BT 338.99 630.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 378.89 630.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 414.36 630.75 Td (company) Tj ET Q q 0 0 0 rg BT 454.20 630.75 Td (, ) Tj ET Q q 0 0 0 rg BT 460.19 630.75 Td (is ) Tj ET Q q 0 0 0 rg BT 470.63 630.75 Td (a ) Tj ET Q q 0 0 0 rg BT 479.41 630.75 Td (wholly-owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 618.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 119.81 618.75 Td (of ) Tj ET Q q 0 0 0 rg BT 130.94 618.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 156.51 618.75 Td (and ) Tj ET Q q 0 0 0 rg BT 175.99 618.75 Td (is ) Tj ET Q q 0 0 0 rg BT 186.00 618.75 Td (the ) Tj ET Q q 0 0 0 rg BT 202.70 618.75 Td (top-tier ) Tj ET Q q 0 0 0 rg BT 236.61 618.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 258.85 618.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 293.90 618.75 Td (company ) Tj ET Q q 0 0 0 rg BT 337.26 618.75 Td (for ) Tj ET Q q 0 0 0 rg BT 351.73 618.75 Td (most ) Tj ET Q q 0 0 0 rg BT 376.19 618.75 Td (of ) Tj ET Q q 0 0 0 rg BT 387.32 618.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 412.14 618.75 Td (s ) Tj ET Q q 0 0 0 rg BT 419.93 618.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 442.17 618.75 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 500.54 618.75 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 606.75 Td (two ) Tj ET Q q 0 0 0 rg BT 89.62 606.75 Td (insured ) Tj ET Q q 0 0 0 rg BT 124.47 606.75 Td (depository ) Tj ET Q q 0 0 0 rg BT 172.66 606.75 Td (institutions ) Tj ET Q q 0 0 0 rg BT 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(national ) Tj ET Q q 0 0 0 rg BT 299.30 594.75 Td (bank. ) Tj ET Q q 0 0 0 rg BT 326.55 594.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 572.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.74 572.75 Td (and ) Tj ET Q q 0 0 0 rg BT 115.38 572.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 137.34 572.75 Td (are ) Tj ET Q q 0 0 0 rg BT 153.75 572.75 Td (considered ) Tj ET Q q 0 0 0 rg BT 204.62 572.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 228.27 572.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 262.48 572.75 Td (companies ) Tj ET Q q 0 0 0 rg BT 312.79 572.75 Td (in ) Tj ET Q q 0 0 0 rg BT 322.53 572.75 Td (the ) Tj ET Q q 0 0 0 rg BT 338.39 572.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 359.80 572.75 Td (and ) Tj ET Q q 0 0 0 rg BT 378.44 572.75 Td (have ) Tj ET Q q 0 0 0 rg BT 402.08 572.75 Td (in ) Tj ET Q q 0 0 0 rg BT 411.82 572.75 Td (excess ) Tj ET Q q 0 0 0 rg BT 444.90 572.75 Td (of ) Tj ET Q q 0 0 0 rg BT 455.20 572.75 Td ($50B ) Tj ET Q q 0 0 0 rg BT 480.51 572.75 Td (in ) Tj ET Q q 0 0 0 rg BT 490.25 572.75 Td (total ) Tj ET Q q 0 0 0 rg BT 511.11 572.75 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 560.75 Td (\(individually ) Tj ET Q q 0 0 0 rg BT 127.50 560.75 Td (and ) Tj ET Q q 0 0 0 rg BT 147.43 560.75 Td (combined\) ) Tj ET Q q 0 0 0 rg BT 197.38 560.75 Td (and ) Tj ET Q q 0 0 0 rg BT 217.31 560.75 Td (are, ) Tj ET Q q 0 0 0 rg BT 237.80 560.75 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 283.85 560.75 Td (considered ) Tj ET Q q 0 0 0 rg BT 336.02 560.75 Td (a ) Tj ET Q q 0 0 0 rg BT 344.84 560.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 383.67 560.75 Td (company ) Tj ET Q q 0 0 0 rg BT 427.49 560.75 Td (under ) Tj ET Q q 0 0 0 rg BT 456.32 560.75 Td (12 ) Tj ET Q q 0 0 0 rg BT 470.70 560.75 Td (C.F) Tj ET Q q 0 0 0 rg BT 485.70 560.75 Td (.R. ) Tj ET Q q 0 0 0 rg BT 501.73 560.75 Td (Part ) Tj ET Q q 0 0 0 rg BT 523.32 560.75 Td (243 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 548.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.20 548.75 Td (12 ) Tj ET Q q 0 0 0 rg BT 104.84 548.75 Td (C.F) Tj ET Q q 0 0 0 rg BT 119.84 548.75 Td (.R. ) Tj ET Q q 0 0 0 rg BT 135.13 548.75 Td (Part ) Tj ET Q q 0 0 0 rg BT 155.99 548.75 Td (381 ) Tj ET Q q 0 0 0 rg BT 175.19 548.75 Td (\(the ) Tj ET Q q 0 0 0 rg BT 194.93 548.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 226.35 548.75 Td (Rule\). ) Tj ET Q q 0 0 0 rg BT 255.54 548.75 Td ( ) Tj ET Q q 0 0 0 rg BT 258.06 548.75 Td (Under ) Tj ET Q q 0 0 0 rg BT 287.81 548.75 Td (the ) Tj ET Q q 0 0 0 rg BT 304.23 548.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 335.65 548.75 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 361.51 548.75 Td (a ) Tj ET Q q 0 0 0 rg BT 369.58 548.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 407.68 548.75 Td (company ) Tj ET Q q 0 0 0 rg BT 450.77 548.75 Td (is ) Tj ET Q q 0 0 0 rg BT 460.50 548.75 Td (required ) Tj ET Q q 0 0 0 rg BT 499.71 548.75 Td (to ) Tj ET Q q 0 0 0 rg BT 510.56 548.75 Td (submit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 536.75 Td (a ) Tj ET Q q 0 0 0 rg BT 80.34 536.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 126.47 536.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 148.16 536.75 Td (to ) Tj ET Q q 0 0 0 rg BT 159.27 536.75 Td (the ) Tj ET Q q 0 0 0 rg BT 175.95 536.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 205.41 536.75 Td (of ) Tj ET Q q 0 0 0 rg BT 216.53 536.75 Td (Governors ) Tj ET Q q 0 0 0 rg BT 265.99 536.75 Td (of ) Tj ET Q q 0 0 0 rg BT 277.11 536.75 Td (the ) Tj ET Q q 0 0 0 rg BT 293.79 536.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 330.47 536.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 370.48 536.75 Td (System ) Tj ET Q q 0 0 0 rg BT 406.60 536.75 Td (\(the ) Tj ET Q q 0 0 0 rg BT 426.61 536.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 463.29 536.75 Td (Reserve\) ) Tj ET Q q 0 0 0 rg BT 506.63 536.75 Td (and ) Tj ET Q q 0 0 0 rg BT 526.10 536.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 524.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 108.61 524.75 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 145.23 524.75 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 191.85 524.75 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 246.81 524.75 Td (\(the ) Tj ET Q q 0 0 0 rg BT 266.75 524.75 Td (౦Ϸ\) ) Tj ET Q q 0 0 0 rg BT 296.12 524.75 Td (that ) Tj ET Q q 0 0 0 rg BT 315.51 524.75 Td (details ) Tj ET Q q 0 0 0 rg BT 347.12 524.75 Td (a ) Tj ET Q q 0 0 0 rg BT 355.39 524.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 377.00 524.75 Td (for ) Tj ET Q q 0 0 0 rg BT 391.38 524.75 Td (the ) Tj ET Q q 0 0 0 rg BT 407.99 524.75 Td (rapid ) Tj ET Q q 0 0 0 rg BT 432.94 524.75 Td (and ) Tj ET Q q 0 0 0 rg BT 452.33 524.75 Td (orderly ) Tj ET Q q 0 0 0 rg BT 485.60 524.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 531.67 524.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 512.75 Td (the ) Tj ET Q q 0 0 0 rg BT 87.84 512.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 125.36 512.75 Td (company ) Tj ET Q q 0 0 0 rg BT 167.88 512.75 Td (in ) Tj ET Q q 0 0 0 rg BT 177.61 512.75 Td (the ) Tj ET Q q 0 0 0 rg BT 193.45 512.75 Td (event ) Tj ET Q q 0 0 0 rg BT 219.86 512.75 Td (of ) Tj ET Q q 0 0 0 rg BT 230.14 512.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 268.77 512.75 Td (distress ) Tj ET Q q 0 0 0 rg BT 305.17 512.75 Td (or ) Tj ET Q q 0 0 0 rg BT 316.00 512.75 Td (failure. ) Tj ET Q q 0 0 0 rg BT 347.96 512.75 Td ( ) Tj ET Q q 0 0 0 rg BT 349.90 512.75 Td (However) Tj ET Q q 0 0 0 rg BT 388.81 512.75 Td (, ) Tj ET Q q 0 0 0 rg BT 393.53 512.75 Td (the ) Tj ET Q q 0 0 0 rg BT 409.38 512.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 440.23 512.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 462.73 512.75 Td (defines ) Tj ET Q q 0 0 0 rg BT 496.92 512.75 Td (a ) Tj ET Q q 0 0 0 rg BT 504.43 512.75 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 500.75 Td (company ) Tj ET Q q 0 0 0 rg BT 114.81 500.75 Td (as ) Tj ET Q q 0 0 0 rg BT 127.60 500.75 Td (only ) Tj ET Q q 0 0 0 rg BT 148.17 500.75 Td (the ) Tj ET Q q 0 0 0 rg BT 164.31 500.75 Td (top-tier ) Tj ET Q q 0 0 0 rg BT 197.66 500.75 Td (of ) Tj ET Q q 0 0 0 rg BT 208.23 500.75 Td (a ) Tj ET Q q 0 0 0 rg BT 216.02 500.75 Td (multi-tiered ) Tj ET Q q 0 0 0 rg BT 267.71 500.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 302.19 500.75 Td (company ) Tj ET Q q 0 0 0 rg BT 345.00 500.75 Td (structure. ) Tj ET Q q 0 0 0 rg BT 388.91 500.75 Td ( ) Tj ET Q q 0 0 0 rg BT 390.99 500.75 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 439.36 500.75 Td (for ) Tj ET Q q 0 0 0 rg BT 453.26 500.75 Td (purposes ) Tj ET Q q 0 0 0 rg BT 496.63 500.75 Td (of ) Tj ET Q q 0 0 0 rg BT 507.20 500.75 Td (the ) Tj ET Q q 0 0 0 rg BT 523.33 500.75 Td (165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 488.75 Td (\(d\) ) Tj ET Q q 0 0 0 rg BT 88.15 488.75 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 115.42 488.75 Td (a ) Tj ET Q q 0 0 0 rg BT 124.90 488.75 Td (single, ) Tj ET Q q 0 0 0 rg BT 157.73 488.75 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 217.81 488.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 265.09 488.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 287.93 488.75 Td (for ) Tj ET Q q 0 0 0 rg BT 303.52 488.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 330.22 488.75 Td (\(the ) Tj ET Q q 0 0 0 rg BT 351.38 488.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 390.88 488.75 Td (company\) ) Tj ET Q q 0 0 0 rg BT 438.71 488.75 Td (covering ) Tj ET Q q 0 0 0 rg BT 480.43 488.75 Td (all ) Tj ET Q q 0 0 0 rg BT 494.36 488.75 Td (of ) Tj ET Q q 0 0 0 rg BT 506.63 488.75 Td (its ) Tj ET Q q 0 0 0 rg BT 520.55 488.75 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 476.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 121.87 476.75 Td (\(BMO ) Tj ET Q q 0 0 0 rg BT 151.14 476.75 Td (U.S.\) ) Tj ET Q q 0 0 0 rg BT 177.09 476.75 Td (has ) Tj ET Q q 0 0 0 rg BT 196.38 476.75 Td (been ) Tj ET Q q 0 0 0 rg BT 221.79 476.75 Td (filed. ) Tj ET Q q 0 0 0 rg BT 246.08 476.75 Td ( ) Tj ET Q q 0 0 0 rg BT 248.61 476.75 Td (As ) Tj ET Q q 0 0 0 rg BT 263.45 476.75 Td (a ) Tj ET Q q 0 0 0 rg BT 272.18 476.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 314.25 476.75 Td (insured ) Tj ET Q q 0 0 0 rg BT 350.22 476.75 Td (depository ) Tj ET Q q 0 0 0 rg BT 399.52 476.75 Td (institution, ) Tj ET Q q 0 0 0 rg BT 451.04 476.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 476.99 476.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 506.82 476.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 532.78 476.75 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 464.75 Td (also ) Tj ET Q q 0 0 0 rg BT 93.10 464.75 Td (submitting ) Tj ET Q q 0 0 0 rg BT 141.43 464.75 Td (a ) Tj ET Q q 0 0 0 rg BT 149.74 464.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 195.85 464.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 217.51 464.75 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 259.18 464.75 Td (to ) Tj ET Q q 0 0 0 rg BT 270.27 464.75 Td (the ) Tj ET Q q 0 0 0 rg BT 286.92 464.75 Td (౦Ϸؒ) Tj ET Q q 0 0 0 rg BT 312.30 464.75 Td (s ) Tj ET Q q 0 0 0 rg BT 320.05 464.75 Td (rule ) Tj ET Q q 0 0 0 rg BT 339.48 464.75 Td (requiring ) Tj ET Q q 0 0 0 rg BT 381.14 464.75 Td (the ) Tj ET Q q 0 0 0 rg BT 397.79 464.75 Td (preparation ) Tj ET Q q 0 0 0 rg BT 451.14 464.75 Td (and ) Tj ET Q q 0 0 0 rg BT 470.57 464.75 Td (submission ) Tj ET Q q 0 0 0 rg BT 523.35 464.75 Td (of ) Tj ET Q q 0 0 0 rg BT 534.44 464.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 452.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 118.14 452.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 139.82 452.75 Td (for ) Tj ET Q q 0 0 0 rg BT 154.27 452.75 Td (IDIs ) Tj ET Q q 0 0 0 rg BT 174.83 452.75 Td (with ) Tj ET Q q 0 0 0 rg BT 195.39 452.75 Td ($50B ) Tj ET Q q 0 0 0 rg BT 221.52 452.75 Td (or ) Tj ET Q q 0 0 0 rg BT 233.19 452.75 Td (more ) Tj ET Q q 0 0 0 rg BT 258.75 452.75 Td (in ) Tj ET Q q 0 0 0 rg BT 269.31 452.75 Td (total ) Tj ET Q q 0 0 0 rg BT 290.99 452.75 Td (assets, ) Tj ET Q q 0 0 0 rg BT 325.45 452.75 Td (12 ) Tj ET Q q 0 0 0 rg BT 339.35 452.75 Td (C.F) Tj ET Q q 0 0 0 rg BT 354.35 452.75 Td (.R. ) Tj ET Q q 0 0 0 rg BT 369.91 452.75 Td (Part ) Tj ET Q q 0 0 0 rg BT 391.03 452.75 Td (360.10 ) Tj ET Q q 0 0 0 rg BT 424.39 452.75 Td (\(the ) Tj ET Q q 0 0 0 rg BT 444.40 452.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 459.96 452.75 Td (Rule\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 430.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 96.82 430.75 Td (s ) Tj ET Q q 0 0 0 rg BT 107.15 430.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 131.93 430.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 180.62 430.75 Td (plans ) Tj ET Q q 0 0 0 rg BT 209.86 430.75 Td (\(RPs\) ) Tj ET Q q 0 0 0 rg BT 240.74 430.75 Td (contemplate ) Tj ET Q q 0 0 0 rg BT 300.55 430.75 Td (a ) Tj ET Q q 0 0 0 rg BT 311.44 430.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 360.13 430.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 401.03 430.75 Td (in ) Tj ET Q q 0 0 0 rg BT 414.14 430.75 Td (which ) Tj ET Q q 0 0 0 rg BT 445.04 430.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 469.86 430.75 Td (s ) Tj ET Q q 0 0 0 rg BT 480.19 430.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 504.97 430.75 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 418.75 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 129.96 418.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 155.12 418.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 184.17 418.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 209.35 418.75 Td (and ) Tj ET Q q 0 0 0 rg BT 228.41 418.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 253.57 418.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 282.62 418.75 Td (Central, ) Tj ET Q q 0 0 0 rg BT 320.02 418.75 Td (under ) Tj ET Q q 0 0 0 rg BT 347.98 418.75 Td (a ) Tj ET Q q 0 0 0 rg BT 355.92 418.75 Td (hypothetical ) Tj ET Q q 0 0 0 rg BT 411.67 418.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 457.41 418.75 Td (scenario, ) Tj ET Q q 0 0 0 rg BT 500.37 418.75 Td (would ) Tj ET Q q 0 0 0 rg BT 528.88 418.75 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 406.75 Td (placed ) Tj ET Q q 0 0 0 rg BT 105.21 406.75 Td (into ) Tj ET Q q 0 0 0 rg BT 125.07 406.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 152.14 406.75 Td (receiverships. ) Tj ET Q q 0 0 0 rg BT 217.57 406.75 Td (Certain ) Tj ET Q q 0 0 0 rg BT 253.55 406.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 286.19 406.75 Td (and ) Tj ET Q q 0 0 0 rg BT 306.61 406.75 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 348.15 406.75 Td (would ) Tj ET Q q 0 0 0 rg BT 378.02 406.75 Td (be ) Tj ET Q q 0 0 0 rg BT 392.88 406.75 Td (transferred ) Tj ET Q q 0 0 0 rg BT 444.97 406.75 Td (to ) Tj ET Q q 0 0 0 rg BT 457.05 406.75 Td (a ) Tj ET Q q 0 0 0 rg BT 466.36 406.75 Td (bridge ) Tj ET Q q 0 0 0 rg BT 497.89 406.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 523.32 406.75 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 394.75 Td (would, ) Tj ET Q q 0 0 0 rg BT 103.51 394.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 137.80 394.75 Td (to ) Tj ET Q q 0 0 0 rg BT 148.74 394.75 Td (various ) Tj ET Q q 0 0 0 rg BT 183.58 394.75 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 245.11 394.75 Td (be ) Tj ET Q q 0 0 0 rg BT 258.83 394.75 Td (sold ) Tj ET Q q 0 0 0 rg BT 279.78 394.75 Td (to ) Tj ET Q q 0 0 0 rg BT 290.73 394.75 Td (a ) Tj ET Q q 0 0 0 rg BT 298.89 394.75 Td (third ) Tj ET Q q 0 0 0 rg BT 320.95 394.75 Td (party) Tj ET Q q 0 0 0 rg BT 342.44 394.75 Td (. ) Tj ET Q q 0 0 0 rg BT 347.82 394.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 372.64 394.75 Td (s ) Tj ET Q q 0 0 0 rg BT 380.25 394.75 Td (other ) Tj ET Q q 0 0 0 rg BT 405.64 394.75 Td (material ) Tj ET Q q 0 0 0 rg BT 443.81 394.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 465.87 394.75 Td (entities ) Tj ET Q q 0 0 0 rg BT 500.16 394.75 Td (would ) Tj ET Q q 0 0 0 rg BT 528.89 394.75 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 382.75 Td (wound ) Tj ET Q q 0 0 0 rg BT 104.54 382.75 Td (down ) Tj ET Q q 0 0 0 rg BT 131.52 382.75 Td (in ) Tj ET Q q 0 0 0 rg BT 142.38 382.75 Td (an ) Tj ET Q q 0 0 0 rg BT 156.57 382.75 Td (orderly ) Tj ET Q q 0 0 0 rg BT 190.21 382.75 Td (manner) Tj ET Q q 0 0 0 rg BT 223.56 382.75 Td (, ) Tj ET Q q 0 0 0 rg BT 229.42 382.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 264.17 382.75 Td (to ) Tj ET Q q 0 0 0 rg BT 275.59 382.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 308.67 382.75 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 370.66 382.75 Td (In ) Tj ET Q q 0 0 0 rg BT 382.07 382.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 422.96 382.75 Td (the ) Tj ET Q q 0 0 0 rg BT 439.93 382.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 461.89 382.75 Td (include ) Tj ET Q q 0 0 0 rg BT 496.66 382.75 Td (strategies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 370.75 Td (designed ) Tj ET Q q 0 0 0 rg BT 114.22 370.75 Td (to ) Tj ET Q q 0 0 0 rg BT 124.19 370.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 156.39 370.75 Td (continuity ) Tj ET Q q 0 0 0 rg BT 200.26 370.75 Td (of ) Tj ET Q q 0 0 0 rg BT 210.23 370.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 241.88 370.75 Td (businesses ) Tj ET Q q 0 0 0 rg BT 293.53 370.75 Td (during ) Tj ET Q q 0 0 0 rg BT 322.96 370.75 Td (the ) Tj ET Q q 0 0 0 rg BT 338.49 370.75 Td (hypothetical ) Tj ET Q q 0 0 0 rg BT 393.48 370.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 438.47 370.75 Td (process. ) Tj ET Q q 0 0 0 rg BT 477.79 370.75 Td (The ) Tj ET Q q 0 0 0 rg BT 496.65 370.75 Td (strategies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 358.75 Td (take ) Tj ET Q q 0 0 0 rg BT 93.99 358.75 Td (into ) Tj ET Q q 0 0 0 rg BT 113.19 358.75 Td (account ) Tj ET Q q 0 0 0 rg BT 151.30 358.75 Td (the ) Tj ET Q q 0 0 0 rg BT 168.29 358.75 Td (importance ) Tj ET Q q 0 0 0 rg BT 220.84 358.75 Td (of ) Tj ET Q q 0 0 0 rg BT 232.27 358.75 Td (continued ) Tj ET Q q 0 0 0 rg BT 278.72 358.75 Td (access ) Tj ET Q q 0 0 0 rg BT 312.93 358.75 Td (to ) Tj ET Q q 0 0 0 rg BT 324.35 358.75 Td (services ) Tj ET Q q 0 0 0 rg BT 364.11 358.75 Td (including, ) Tj ET Q q 0 0 0 rg BT 409.45 358.75 Td (but ) Tj ET Q q 0 0 0 rg BT 426.44 358.75 Td (not ) Tj ET Q q 0 0 0 rg BT 443.42 358.75 Td (limited ) Tj ET Q q 0 0 0 rg BT 475.40 358.75 Td (to, ) Tj ET Q q 0 0 0 rg BT 489.61 358.75 Td (technology) Tj ET Q q 0 0 0 rg BT 537.23 358.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 346.75 Td (employees, ) Tj ET Q q 0 0 0 rg BT 125.92 346.75 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 167.04 346.75 Td (intellectual ) Tj ET Q q 0 0 0 rg BT 217.07 346.75 Td (property ) Tj ET Q q 0 0 0 rg BT 256.53 346.75 Td (and ) Tj ET Q q 0 0 0 rg BT 275.99 346.75 Td (supplier ) Tj ET Q q 0 0 0 rg BT 313.79 346.75 Td (relationships.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 324.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.01 324.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 113.68 324.75 Td (have ) Tj ET Q q 0 0 0 rg BT 138.14 324.75 Td (two ) Tj ET Q q 0 0 0 rg BT 156.48 324.75 Td (parts:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 302.75 Td (1. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 302.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 132.82 302.75 Td (s ) Tj ET Q q 0 0 0 rg BT 141.86 302.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 174.81 302.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 226.10 302.75 Td (Plan ) Tj ET Q q 0 0 0 rg BT 250.15 302.75 Td (\(165\(d\) ) Tj ET Q q 0 0 0 rg BT 286.43 302.75 Td (RP\), ) Tj ET Q q 0 0 0 rg BT 310.47 302.75 Td (which ) Tj ET Q q 0 0 0 rg BT 340.07 302.75 Td (has ) Tj ET Q q 0 0 0 rg BT 360.24 302.75 Td (been ) Tj ET Q q 0 0 0 rg BT 386.52 302.75 Td (developed ) Tj ET Q q 0 0 0 rg BT 436.72 302.75 Td (in ) Tj ET Q q 0 0 0 rg BT 448.54 302.75 Td (accordance ) Tj ET Q q 0 0 0 rg BT 504.28 302.75 Td (with ) Tj ET Q q 0 0 0 rg BT 526.10 302.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 290.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 169.38 290.75 Td (of ) Tj ET Q q 0 0 0 rg BT 180.75 290.75 Td (Section ) Tj ET Q q 0 0 0 rg BT 217.13 290.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 249.06 290.75 Td (of ) Tj ET Q q 0 0 0 rg BT 260.42 290.75 Td (the ) Tj ET Q q 0 0 0 rg BT 277.34 290.75 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 332.57 290.75 Td (Act ) Tj ET Q q 0 0 0 rg BT 350.04 290.75 Td (and ) Tj ET Q q 0 0 0 rg BT 369.75 290.75 Td (the ) Tj ET Q q 0 0 0 rg BT 386.67 290.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 418.60 290.75 Td (Rule. ) Tj ET Q q 0 0 0 rg BT 444.77 290.75 Td (The ) Tj ET Q q 0 0 0 rg BT 465.03 290.75 Td (Public ) Tj ET Q q 0 0 0 rg BT 495.29 290.75 Td (Section ) Tj ET Q q 0 0 0 rg BT 531.67 290.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 278.75 Td (the ) Tj ET Q q 0 0 0 rg BT 124.68 278.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 156.36 278.75 Td (RP) Tj ET Q q 0 0 0 rg BT 170.08 278.75 Td ( ) Tj ET Q q 0 0 0 rg BT 172.85 278.75 Td (is ) Tj ET Q q 0 0 0 rg BT 182.85 278.75 Td (provided ) Tj ET Q q 0 0 0 rg BT 223.99 278.75 Td (in ) Tj ET Q q 0 0 0 rg BT 234.55 278.75 Td (Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.69 278.75 Td (1.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.59 278.75 Td (; ) Tj ET Q q 0 0 0 rg BT 290.14 278.75 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 263.75 Td (2. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 263.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 133.13 263.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 162.15 263.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 186.99 263.75 Td (s ) Tj ET Q q 0 0 0 rg BT 194.34 263.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 209.48 263.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 259.08 263.75 Td (Plan ) Tj ET Q q 0 0 0 rg BT 281.45 263.75 Td (\(IDI ) Tj ET Q q 0 0 0 rg BT 299.91 263.75 Td (RP\), ) Tj ET Q q 0 0 0 rg BT 322.27 263.75 Td (which ) Tj ET Q q 0 0 0 rg BT 350.19 263.75 Td (has ) Tj ET Q q 0 0 0 rg BT 368.67 263.75 Td (been ) Tj ET Q q 0 0 0 rg BT 393.27 263.75 Td (developed ) Tj ET Q q 0 0 0 rg BT 441.78 263.75 Td (in ) Tj ET Q q 0 0 0 rg BT 451.92 263.75 Td (accordance ) Tj ET Q q 0 0 0 rg BT 505.97 263.75 Td (with ) Tj ET Q q 0 0 0 rg BT 526.11 263.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 251.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 123.56 251.75 Td (Rule. ) Tj ET Q q 0 0 0 rg BT 149.50 251.75 Td (The ) Tj ET Q q 0 0 0 rg BT 169.51 251.75 Td (Public ) Tj ET Q q 0 0 0 rg BT 199.52 251.75 Td (Section ) Tj ET Q q 0 0 0 rg BT 235.66 251.75 Td (of ) Tj ET Q q 0 0 0 rg BT 246.77 251.75 Td (the ) Tj ET Q q 0 0 0 rg BT 263.45 251.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 279.01 251.75 Td (RP) Tj ET Q q 0 0 0 rg BT 292.72 251.75 Td ( ) Tj ET Q q 0 0 0 rg BT 295.50 251.75 Td (is ) Tj ET Q q 0 0 0 rg BT 305.50 251.75 Td (provided ) Tj ET Q q 0 0 0 rg BT 346.64 251.75 Td (in ) Tj ET Q q 0 0 0 rg BT 357.20 251.75 Td (Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.33 251.75 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.23 251.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 229.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.23 229.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 120.56 229.75 Td (and ) Tj ET Q q 0 0 0 rg BT 141.25 229.75 Td (the ) Tj ET Q q 0 0 0 rg BT 159.15 229.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 197.06 229.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 238.29 229.75 Td (have, ) Tj ET Q q 0 0 0 rg BT 266.76 229.75 Td (by ) Tj ET Q q 0 0 0 rg BT 281.32 229.75 Td (rule ) Tj ET Q q 0 0 0 rg BT 301.99 229.75 Td (and ) Tj ET Q q 0 0 0 rg BT 322.68 229.75 Td (through ) Tj ET Q q 0 0 0 rg BT 360.60 229.75 Td (the ) Tj ET Q q 0 0 0 rg BT 378.50 229.75 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 433.63 229.75 Td (process, ) Tj ET Q q 0 0 0 rg BT 475.42 229.75 Td (prescribed ) Tj ET Q q 0 0 0 rg BT 526.11 229.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 217.75 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 135.27 217.75 Td (required ) Tj ET Q q 0 0 0 rg BT 176.32 217.75 Td (approach, ) Tj ET Q q 0 0 0 rg BT 225.15 217.75 Td (and ) Tj ET Q q 0 0 0 rg BT 246.19 217.75 Td (scope ) Tj ET Q q 0 0 0 rg BT 277.23 217.75 Td (for ) Tj ET Q q 0 0 0 rg BT 293.25 217.75 Td (these ) Tj ET Q q 0 0 0 rg BT 322.07 217.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 369.79 217.75 Td (plans, ) Tj ET Q q 0 0 0 rg BT 400.83 217.75 Td (and ) Tj ET Q q 0 0 0 rg BT 421.87 217.75 Td (have ) Tj ET Q q 0 0 0 rg BT 447.91 217.75 Td (required ) Tj ET Q q 0 0 0 rg BT 488.95 217.75 Td (that ) Tj ET Q q 0 0 0 rg BT 509.99 217.75 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 205.75 Td (information ) Tj ET Q q 0 0 0 rg BT 123.07 205.75 Td (be ) Tj ET Q q 0 0 0 rg BT 135.79 205.75 Td (included ) Tj ET Q q 0 0 0 rg BT 174.65 205.75 Td (in ) Tj ET Q q 0 0 0 rg BT 184.03 205.75 Td (a ) Tj ET Q q 0 0 0 rg BT 191.20 205.75 Td (Public ) Tj ET Q q 0 0 0 rg BT 220.04 205.75 Td (Section ) Tj ET Q q 0 0 0 rg BT 254.99 205.75 Td (of ) Tj ET Q q 0 0 0 rg BT 264.93 205.75 Td (the ) Tj ET Q q 0 0 0 rg BT 280.44 205.75 Td (resolution ) Tj ET Q 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Tj ET Q q 0 0 0 rg BT 404.78 169.75 Td (adverse ) Tj ET Q q 0 0 0 rg BT 442.52 169.75 Td (ef) Tj ET Q q 0 0 0 rg BT 450.68 169.75 Td (fects ) Tj ET Q q 0 0 0 rg BT 473.97 169.75 Td (on ) Tj ET Q q 0 0 0 rg BT 487.25 169.75 Td (the ) Tj ET Q q 0 0 0 rg BT 503.32 169.75 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 157.75 Td (stability ) Tj ET Q q 0 0 0 rg BT 107.93 157.75 Td (of ) Tj ET Q q 0 0 0 rg BT 118.85 157.75 Td (the ) Tj ET Q q 0 0 0 rg BT 135.34 157.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 157.37 157.75 Td (In ) Tj ET Q q 0 0 0 rg BT 168.30 157.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 208.69 157.75 Td (the ) Tj ET Q q 0 0 0 rg BT 225.17 157.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 240.54 157.75 Td (RP) Tj ET Q q 0 0 0 rg BT 254.25 157.75 Td ( ) Tj ET Q q 0 0 0 rg BT 256.83 157.75 Td (would ) Tj ET Q q 0 0 0 rg BT 285.54 157.75 Td (enable ) Tj ET Q q 0 0 0 rg BT 318.16 157.75 Td (the ) Tj ET Q q 0 0 0 rg BT 334.64 157.75 Td (౦Ϸ, ) Tj ET Q q 0 0 0 rg BT 363.34 157.75 Td (as 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413.23 145.75 Td (deposits ) Tj ET Q q 0 0 0 rg BT 453.08 145.75 Td (within ) Tj ET Q q 0 0 0 rg BT 481.25 145.75 Td (one ) Tj ET Q q 0 0 0 rg BT 500.53 145.75 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 133.75 Td (day ) Tj ET Q q 0 0 0 rg BT 91.90 133.75 Td (if ) Tj ET Q q 0 0 0 rg BT 100.67 133.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 127.22 133.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 157.66 133.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 184.23 133.75 Td (were ) Tj ET Q q 0 0 0 rg BT 209.68 133.75 Td (to ) Tj ET Q q 0 0 0 rg BT 221.79 133.75 Td (fail, ) Tj ET Q q 0 0 0 rg BT 241.13 133.75 Td (and ) Tj ET Q q 0 0 0 rg BT 261.59 133.75 Td (would ) Tj ET Q q 0 0 0 rg BT 291.49 133.75 Td (maximize ) Tj ET Q q 0 0 0 rg BT 337.49 133.75 Td (the ) Tj ET Q q 0 0 0 rg BT 355.16 133.75 Td (net ) Tj ET Q q 0 0 0 rg BT 372.84 133.75 Td (present ) Tj ET Q q 0 0 0 rg BT 409.97 133.75 Td (value ) Tj ET Q q 0 0 0 rg BT 437.65 133.75 Td (return ) Tj ET Q q 0 0 0 rg BT 467.54 133.75 Td (from ) Tj ET Q q 0 0 0 rg BT 491.32 133.75 Td (the ) Tj ET Q q 0 0 0 rg BT 508.99 133.75 Td (sale ) Tj ET Q q 0 0 0 rg BT 531.11 133.75 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 121.75 Td (disposition ) Tj ET Q q 0 0 0 rg BT 122.03 121.75 Td (of ) Tj ET Q q 0 0 0 rg BT 133.15 121.75 Td (its ) Tj ET Q q 0 0 0 rg BT 145.93 121.75 Td (assets, ) Tj ET Q q 0 0 0 rg BT 180.38 121.75 Td (and ) Tj ET Q q 0 0 0 rg BT 199.85 121.75 Td (minimize ) Tj ET Q q 0 0 0 rg BT 242.07 121.75 Td (the ) Tj ET Q q 0 0 0 rg BT 258.75 121.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 294.89 121.75 Td (of ) Tj ET Q q 0 0 0 rg BT 306.00 121.75 Td (any ) Tj ET Q q 0 0 0 rg BT 324.91 121.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 345.47 121.75 Td (realized ) Tj ET Q q 0 0 0 rg BT 383.26 121.75 Td (by ) Tj ET Q q 0 0 0 rg BT 396.60 121.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 422.16 121.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 451.60 121.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 476.44 121.75 Td (s ) Tj ET Q q 0 0 0 rg BT 484.22 121.75 Td (creditors.) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I3 Do Q endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.60 60.25 Td ( p4 ) Tj ET Q BT /F4 10.00 Tf ET 0 0 0 RG /GS0 gs 0.73 w 0 i [] 0 d 1 J 1 j 3 M 72 711.32421875 m 164.236328125 711.32421875 l s q 0 0 0 rg BT 72.00 712.75 Td (Overview ) Tj ET Q q 0 0 0 rg BT 116.45 712.75 Td (of ) Tj ET Q q 0 0 0 rg BT 127.57 712.75 Td (BMOFG) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 690.75 Td (Established ) Tj ET Q q 0 0 0 rg BT 126.03 690.75 Td (in ) Tj ET Q q 0 0 0 rg BT 136.14 690.75 Td (1817, ) Tj ET Q q 0 0 0 rg BT 163.49 690.75 Td (BMOFG ) Tj ET Q q 0 0 0 rg BT 202.49 690.75 Td (is ) Tj ET Q q 0 0 0 rg BT 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678.75 Td (2015, ) Tj ET Q q 0 0 0 rg BT 330.47 678.75 Td (and ) Tj ET Q q 0 0 0 rg BT 350.21 678.75 Td (approximately ) Tj ET Q q 0 0 0 rg BT 415.51 678.75 Td (47,000 ) Tj ET Q q 0 0 0 rg BT 449.15 678.75 Td (employees, ) Tj ET Q q 0 0 0 rg BT 503.35 678.75 Td (BMOFG ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 111.70 666.75 Td (a ) Tj ET Q q 0 0 0 rg BT 119.16 666.75 Td (broad ) Tj ET Q q 0 0 0 rg BT 146.64 666.75 Td (range ) Tj ET Q q 0 0 0 rg BT 174.11 666.75 Td (of ) Tj ET Q q 0 0 0 rg BT 184.35 666.75 Td (retail ) Tj ET Q q 0 0 0 rg BT 207.93 666.75 Td (banking, ) Tj ET Q q 0 0 0 rg BT 247.64 666.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 278.44 666.75 Td (management ) Tj ET Q q 0 0 0 rg BT 338.71 666.75 Td (and ) Tj ET Q q 0 0 0 rg BT 357.30 666.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 407.55 666.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 444.48 666.75 Td (products ) Tj ET Q q 0 0 0 rg BT 484.74 666.75 Td (and ) Tj ET Q q 0 0 0 rg BT 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133.00 642.75 Td (commercial ) Tj ET Q q 0 0 0 rg BT 186.55 642.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 235.10 642.75 Td (in ) Tj ET Q q 0 0 0 rg BT 245.31 642.75 Td (the ) Tj ET Q q 0 0 0 rg BT 261.63 642.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 283.51 642.75 Td (through ) Tj ET Q q 0 0 0 rg BT 319.85 642.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 345.05 642.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 374.14 642.75 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 402.14 642.75 Td (BMOFG ) Tj ET Q q 0 0 0 rg BT 441.23 642.75 Td (also ) Tj ET Q q 0 0 0 rg BT 462.00 642.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 493.88 642.75 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 630.75 Td (through ) Tj ET Q q 0 0 0 rg BT 109.39 630.75 Td (its ) Tj ET Q q 0 0 0 rg BT 122.86 630.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 155.24 630.75 Td (management ) Tj ET Q q 0 0 0 rg BT 217.09 630.75 Td (businesses: ) Tj ET Q q 0 0 0 rg BT 273.37 630.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 299.62 630.75 Td (Nesbitt ) Tj ET Q q 0 0 0 rg BT 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ET q 0 0 0 rg BT 72.00 606.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 109.50 606.75 Td (division, ) Tj ET Q q 0 0 0 rg BT 148.11 606.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 188.38 606.75 Td (a ) Tj ET Q q 0 0 0 rg BT 196.42 606.75 Td (full ) Tj ET Q q 0 0 0 rg BT 211.68 606.75 Td (suite ) Tj ET Q q 0 0 0 rg BT 235.28 606.75 Td (of ) Tj ET Q q 0 0 0 rg BT 246.09 606.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 285.26 606.75 Td (products ) Tj ET Q q 0 0 0 rg BT 326.09 606.75 Td (and ) Tj ET Q q 0 0 0 rg BT 345.25 606.75 Td (services ) Tj ET Q q 0 0 0 rg BT 384.40 606.75 Td (to ) Tj ET Q q 0 0 0 rg BT 395.21 606.75 Td (North ) Tj ET Q q 0 0 0 rg BT 421.65 606.75 Td (American ) Tj ET Q q 0 0 0 rg BT 466.36 606.75 Td (and ) Tj ET Q q 0 0 0 rg BT 485.52 606.75 Td (international ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 594.75 Td (clients. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 572.75 Td (BMOFG) Tj ET Q q 0 0 0 rg BT 110.71 572.75 Td (s ) Tj ET Q q 0 0 0 rg BT 118.99 572.75 Td (vision ) Tj ET Q q 0 0 0 rg BT 147.83 572.75 Td (is ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 158.33 572.75 Td (to ) Tj ET Q q 0 0 0 rg BT 169.96 572.75 Td (be ) Tj ET Q q 0 0 0 rg BT 184.36 572.75 Td (the ) Tj ET Q q 0 0 0 rg BT 201.54 572.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 226.50 572.75 Td (that ) Tj ET Q q 0 0 0 rg BT 246.46 572.75 Td (defines ) Tj ET Q q 0 0 0 rg BT 281.99 572.75 Td (great ) Tj ET Q q 0 0 0 rg BT 308.06 572.75 Td (customer ) Tj ET Q q 0 0 0 rg BT 352.47 572.75 Td (experience) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.39 572.75 Td (. ) Tj ET Q q 0 0 0 rg BT 407.45 572.75 Td ( ) Tj ET Q q 0 0 0 rg BT 410.73 572.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 436.79 572.75 Td (is ) Tj ET Q q 0 0 0 rg BT 447.29 572.75 Td (structured ) Tj ET Q q 0 0 0 rg BT 495.03 572.75 Td (to ) Tj ET Q q 0 0 0 rg BT 506.65 572.75 Td (support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 560.75 Td (that ) Tj ET Q q 0 0 0 rg BT 92.78 560.75 Td (vision ) Tj ET Q q 0 0 0 rg BT 122.45 560.75 Td (by ) Tj ET Q q 0 0 0 rg BT 137.12 560.75 Td (providing ) Tj ET Q q 0 0 0 rg BT 181.80 560.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 232.02 560.75 Td (integrated ) Tj ET Q q 0 0 0 rg BT 280.60 560.75 Td (access ) Tj ET Q q 0 0 0 rg BT 315.83 560.75 Td (to ) Tj ET Q q 0 0 0 rg BT 328.27 560.75 Td (services ) Tj ET Q q 0 0 0 rg BT 369.05 560.75 Td (across ) Tj ET Q q 0 0 0 rg BT 402.61 560.75 Td (the ) Tj ET Q q 0 0 0 rg BT 420.61 560.75 Td (organization ) Tj ET Q q 0 0 0 rg BT 479.19 560.75 Td (through ) Tj ET Q q 0 0 0 rg BT 517.21 560.75 Td (three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 548.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 116.56 548.75 Td (groups: ) Tj ET Q q 0 0 0 rg BT 152.77 548.75 Td ( ) Tj ET Q q 0 0 0 rg BT 155.62 548.75 Td (Personal ) Tj ET Q q 0 0 0 rg BT 197.95 548.75 Td (and ) Tj ET Q q 0 0 0 rg BT 217.49 548.75 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 273.69 548.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 312.68 548.75 Td (\(P&C\), ) Tj ET Q q 0 0 0 rg BT 345.54 548.75 Td (comprised ) Tj ET Q q 0 0 0 rg BT 394.52 548.75 Td (of ) Tj ET Q q 0 0 0 rg BT 405.72 548.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 451.39 548.75 Td (P&C ) Tj ET Q q 0 0 0 rg BT 474.81 548.75 Td (and ) Tj ET Q q 0 0 0 rg BT 494.35 548.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 516.66 548.75 Td (P&C; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 536.75 Td (W) Tj ET Q q 0 0 0 rg BT 81.26 536.75 Td (ealth ) Tj ET Q q 0 0 0 rg BT 106.81 536.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 169.04 536.75 Td (\(WM\) ) Tj ET Q q 0 0 0 rg BT 197.34 536.75 Td (including ) Tj ET Q q 0 0 0 rg BT 240.68 536.75 Td (Insurance; ) Tj ET Q q 0 0 0 rg BT 291.24 536.75 Td (and ) Tj ET Q q 0 0 0 rg BT 311.79 536.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 338.43 536.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 373.43 536.75 Td (Markets ) Tj ET Q q 0 0 0 rg BT 412.86 536.75 Td (\(BMO ) Tj ET Q q 0 0 0 rg BT 442.83 536.75 Td (CM\). ) Tj ET Q q 0 0 0 rg BT 468.36 536.75 Td ( ) Tj ET Q q 0 0 0 rg BT 472.22 536.75 Td (In ) Tj ET Q q 0 0 0 rg BT 484.43 536.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 526.10 536.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 524.75 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 122.62 524.75 Td (Services ) Tj ET Q q 0 0 0 rg BT 167.11 524.75 Td (group, ) Tj ET Q q 0 0 0 rg BT 201.62 524.75 Td (which ) Tj ET Q q 0 0 0 rg BT 233.34 524.75 Td (includes ) Tj ET Q q 0 0 0 rg BT 275.78 524.75 Td (T) Tj ET Q q 0 0 0 rg BT 280.78 524.75 Td (echnology ) Tj ET Q q 0 0 0 rg BT 332.52 524.75 Td (and ) Tj ET Q q 0 0 0 rg BT 355.35 524.75 Td (Operations, ) Tj ET Q q 0 0 0 rg BT 413.20 524.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 457.15 524.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 478.85 524.75 Td (management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 512.75 Td (information ) Tj ET Q q 0 0 0 rg BT 124.25 512.75 Td (technology ) Tj ET Q q 0 0 0 rg BT 175.39 512.75 Td (and ) Tj ET Q q 0 0 0 rg BT 194.86 512.75 Td (other ) Tj ET Q q 0 0 0 rg BT 220.43 512.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 265.45 512.75 Td (services ) Tj ET Q q 0 0 0 rg BT 304.91 512.75 Td (to ) Tj ET Q q 0 0 0 rg BT 316.02 512.75 Td (the ) Tj ET Q q 0 0 0 rg BT 332.70 512.75 Td (three ) Tj ET Q q 0 0 0 rg BT 358.27 512.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 402.75 512.75 Td (groups.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 490.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 117.04 490.75 Td (P&C ) Tj ET Q q 0 0 0 rg BT 139.84 490.75 Td (operates ) Tj ET Q q 0 0 0 rg BT 180.98 490.75 Td (across ) Tj ET Q q 0 0 0 rg BT 212.67 490.75 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 252.71 490.75 Td (of) Tj ET Q q 0 0 0 rg BT 260.87 490.75 Td (fering ) Tj ET Q q 0 0 0 rg BT 288.11 490.75 Td (banking, ) Tj ET Q q 0 0 0 rg BT 328.15 490.75 Td (financing, ) Tj ET Q q 0 0 0 rg BT 373.19 490.75 Td (and ) Tj ET Q q 0 0 0 rg BT 392.11 490.75 Td (investing ) Tj ET Q q 0 0 0 rg BT 433.81 490.75 Td (solutions ) Tj ET Q q 0 0 0 rg BT 475.51 490.75 Td (as ) Tj ET Q q 0 0 0 rg BT 488.30 490.75 Td (well ) Tj ET Q q 0 0 0 rg BT 507.76 490.75 Td (as ) Tj ET Q q 0 0 0 rg BT 520.55 490.75 Td (card ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 478.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.97 478.75 Td (payment ) Tj ET Q q 0 0 0 rg BT 133.62 478.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 176.36 478.75 Td (Customers ) Tj ET Q q 0 0 0 rg BT 227.99 478.75 Td (are ) Tj ET Q q 0 0 0 rg BT 245.73 478.75 Td (served ) Tj ET Q q 0 0 0 rg BT 279.04 478.75 Td (through ) Tj ET Q q 0 0 0 rg BT 316.24 478.75 Td (more ) Tj ET Q q 0 0 0 rg BT 342.31 478.75 Td (than ) Tj ET Q q 0 0 0 rg BT 365.06 478.75 Td (900 ) Tj ET Q q 0 0 0 rg BT 385.04 478.75 Td (branches ) Tj ET Q q 0 0 0 rg BT 429.46 478.75 Td (and ) Tj ET Q q 0 0 0 rg BT 449.44 478.75 Td (approximately ) Tj ET Q q 0 0 0 rg BT 514.98 478.75 Td (3,000 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 466.75 Td (A) Tj ET Q q 0 0 0 rg BT 77.93 466.75 Td (TMs. ) Tj ET Q q 0 0 0 rg BT 102.48 466.75 Td ( ) Tj ET Q q 0 0 0 rg BT 104.83 466.75 Td (Operating ) Tj ET Q q 0 0 0 rg BT 151.08 466.75 Td (predominantly ) Tj ET Q q 0 0 0 rg BT 216.23 466.75 Td (in ) Tj ET Q q 0 0 0 rg BT 226.36 466.75 Td (the ) Tj ET Q q 0 0 0 rg BT 242.60 466.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 264.39 466.75 Td (Midwest ) Tj ET Q q 0 0 0 rg BT 303.40 466.75 Td (under ) Tj ET Q q 0 0 0 rg BT 331.32 466.75 Td (the ) Tj ET Q q 0 0 0 rg BT 347.56 466.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 372.68 466.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 401.69 466.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 426.82 466.75 Td (brand, ) Tj ET Q q 0 0 0 rg BT 457.51 466.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 479.30 466.75 Td (P&C ) Tj ET Q q 0 0 0 rg BT 502.20 466.75 Td (provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 454.75 Td (personal ) Tj ET Q q 0 0 0 rg BT 113.93 454.75 Td (and ) Tj ET Q q 0 0 0 rg BT 134.18 454.75 Td (commercial ) Tj ET Q q 0 0 0 rg BT 188.86 454.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 220.77 454.75 Td (with ) Tj ET Q q 0 0 0 rg BT 242.12 454.75 Td (banking, ) Tj ET Q q 0 0 0 rg BT 283.50 454.75 Td (lending, ) Tj ET Q q 0 0 0 rg BT 322.09 454.75 Td (and ) Tj ET Q q 0 0 0 rg BT 342.34 454.75 Td (treasury ) Tj ET Q q 0 0 0 rg BT 382.03 454.75 Td (management ) Tj ET Q q 0 0 0 rg BT 443.97 454.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 486.99 454.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 513.33 454.75 Td (Harris ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 442.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 96.50 442.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 144.33 442.75 Td (are ) Tj ET Q q 0 0 0 rg BT 160.49 442.75 Td (served ) Tj ET Q q 0 0 0 rg BT 192.21 442.75 Td (through ) Tj ET Q q 0 0 0 rg BT 227.83 442.75 Td (approximately ) Tj ET Q q 0 0 0 rg BT 291.79 442.75 Td (600 ) Tj ET Q q 0 0 0 rg BT 310.18 442.75 Td (branches, ) Tj ET Q q 0 0 0 rg BT 355.80 442.75 Td (contact ) Tj ET Q q 0 0 0 rg BT 389.75 442.75 Td (centers, ) Tj ET Q q 0 0 0 rg BT 427.03 442.75 Td (online ) Tj ET Q q 0 0 0 rg BT 455.43 442.75 Td (and ) Tj ET Q q 0 0 0 rg BT 473.82 442.75 Td (mobile ) Tj ET Q q 0 0 0 rg BT 504.98 442.75 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 430.75 Td (platforms ) Tj ET Q q 0 0 0 rg BT 117.00 430.75 Td (and ) Tj ET Q q 0 0 0 rg BT 137.56 430.75 Td (approximately ) Tj ET Q q 0 0 0 rg BT 203.69 430.75 Td (1,300 ) Tj ET Q q 0 0 0 rg BT 231.82 430.75 Td (A) Tj ET Q q 0 0 0 rg BT 237.75 430.75 Td (TMs ) Tj ET Q q 0 0 0 rg BT 261.06 430.75 Td (across ) Tj ET Q q 0 0 0 rg BT 294.39 430.75 Td (eight ) Tj ET Q q 0 0 0 rg BT 319.96 430.75 Td (states, ) Tj ET Q q 0 0 0 rg BT 353.29 430.75 Td (including ) Tj ET Q q 0 0 0 rg BT 396.64 430.75 Td (the ) Tj ET Q q 0 0 0 rg BT 414.42 430.75 Td (contiguous ) Tj ET Q q 0 0 0 rg BT 466.67 430.75 Td (states ) Tj ET Q q 0 0 0 rg BT 497.22 430.75 Td (of ) Tj ET Q q 0 0 0 rg BT 509.44 430.75 Td (Illinois, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 418.75 Td (Wisconsin, ) Tj ET Q q 0 0 0 rg BT 123.12 418.75 Td (Indiana, ) Tj ET Q q 0 0 0 rg BT 161.49 418.75 Td (Minnesota, ) Tj ET Q q 0 0 0 rg BT 213.18 418.75 Td (Missouri ) Tj ET Q q 0 0 0 rg BT 253.19 418.75 Td (and ) Tj ET Q q 0 0 0 rg BT 272.65 418.75 Td (Kansas. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 396.75 Td (WM, ) Tj ET Q q 0 0 0 rg BT 94.97 396.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 119.79 396.75 Td (s ) Tj ET Q q 0 0 0 rg BT 127.21 396.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 158.54 396.75 Td (management ) Tj ET Q q 0 0 0 rg BT 219.33 396.75 Td (business, ) Tj ET Q q 0 0 0 rg BT 264.00 396.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 295.88 396.75 Td (a ) Tj ET Q q 0 0 0 rg BT 303.86 396.75 Td (full ) Tj ET Q q 0 0 0 rg BT 319.07 396.75 Td (range ) Tj ET Q q 0 0 0 rg BT 347.07 396.75 Td (of ) Tj ET Q q 0 0 0 rg BT 357.83 396.75 Td (client ) Tj ET Q q 0 0 0 rg BT 383.60 396.75 Td (segments ) Tj ET Q q 0 0 0 rg BT 429.38 396.75 Td (from ) Tj ET Q q 0 0 0 rg BT 451.80 396.75 Td (mainstream ) Tj ET Q q 0 0 0 rg BT 506.46 396.75 Td (to ) Tj ET Q q 0 0 0 rg BT 517.22 396.75 Td (ultra-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 384.75 Td (high ) Tj ET Q q 0 0 0 rg BT 92.69 384.75 Td (net ) Tj ET Q q 0 0 0 rg BT 108.38 384.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 134.62 384.75 Td (and ) Tj ET Q q 0 0 0 rg BT 153.09 384.75 Td (institutional, ) Tj ET Q q 0 0 0 rg BT 207.68 384.75 Td (with ) Tj ET Q q 0 0 0 rg BT 227.25 384.75 Td (a ) Tj ET Q q 0 0 0 rg BT 234.59 384.75 Td (broad ) Tj ET Q q 0 0 0 rg BT 261.96 384.75 Td (of) Tj ET Q q 0 0 0 rg BT 270.11 384.75 Td (fering ) Tj ET Q q 0 0 0 rg BT 296.91 384.75 Td (of ) Tj ET Q q 0 0 0 rg BT 307.04 384.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 337.73 384.75 Td (management ) Tj ET Q q 0 0 0 rg BT 397.88 384.75 Td (products ) Tj ET Q q 0 0 0 rg BT 438.02 384.75 Td (and ) Tj ET Q q 0 0 0 rg BT 456.49 384.75 Td (solutions, ) Tj ET Q q 0 0 0 rg BT 500.53 384.75 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 372.75 Td (insurance ) Tj ET Q q 0 0 0 rg BT 117.76 372.75 Td (products. ) Tj ET Q q 0 0 0 rg BT 161.30 372.75 Td ( ) Tj ET Q q 0 0 0 rg BT 163.70 372.75 Td (WM ) Tj ET Q q 0 0 0 rg BT 183.87 372.75 Td (operates ) Tj ET Q q 0 0 0 rg BT 225.19 372.75 Td (in ) Tj ET Q q 0 0 0 rg BT 235.37 372.75 Td (both ) Tj ET Q q 0 0 0 rg BT 257.24 372.75 Td (Canada ) Tj ET Q q 0 0 0 rg BT 294.67 372.75 Td (and ) Tj ET Q q 0 0 0 rg BT 313.76 372.75 Td (the ) Tj ET Q q 0 0 0 rg BT 330.06 372.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 354.69 372.75 Td (as ) Tj ET Q q 0 0 0 rg BT 367.65 372.75 Td (well ) Tj ET Q q 0 0 0 rg BT 387.28 372.75 Td (as ) Tj ET Q q 0 0 0 rg BT 400.25 372.75 Td (in ) Tj ET Q q 0 0 0 rg BT 409.96 372.75 Td (Asia ) Tj ET Q q 0 0 0 rg BT 431.81 372.75 Td (and ) Tj ET Q q 0 0 0 rg BT 450.90 372.75 Td (Europe. ) Tj ET Q q 0 0 0 rg BT 488.32 372.75 Td ( ) Tj ET Q q 0 0 0 rg BT 490.73 372.75 Td (In ) Tj ET Q q 0 0 0 rg BT 501.47 372.75 Td (the ) Tj ET Q q 0 0 0 rg BT 517.77 372.75 Td (U.S., ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 360.75 Td (our ) Tj ET Q q 0 0 0 rg BT 87.95 360.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 118.35 360.75 Td (management ) Tj ET Q q 0 0 0 rg BT 178.21 360.75 Td (businesses ) Tj ET Q q 0 0 0 rg BT 229.73 360.75 Td (compete ) Tj ET Q q 0 0 0 rg BT 269.58 360.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 308.85 360.75 Td (in ) Tj ET Q q 0 0 0 rg BT 318.13 360.75 Td (the ) Tj ET Q q 0 0 0 rg BT 333.52 360.75 Td (private ) Tj ET Q q 0 0 0 rg BT 365.03 360.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 401.56 360.75 Td (and ) Tj ET Q q 0 0 0 rg BT 419.73 360.75 Td (asset ) Tj ET Q q 0 0 0 rg BT 445.13 360.75 Td (management ) Tj ET Q q 0 0 0 rg BT 504.99 360.75 Td (sectors, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 348.75 Td (drawing ) Tj ET Q q 0 0 0 rg BT 110.13 348.75 Td (on ) Tj ET Q q 0 0 0 rg BT 124.36 348.75 Td (our ) Tj ET Q q 0 0 0 rg BT 141.92 348.75 Td (strategic ) Tj ET Q q 0 0 0 rg BT 182.83 348.75 Td (presence ) Tj ET Q q 0 0 0 rg BT 227.07 348.75 Td (in ) Tj ET Q q 0 0 0 rg BT 237.97 348.75 Td (the ) Tj ET Q q 0 0 0 rg BT 254.98 348.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 294.78 348.75 Td (and ) Tj ET Q q 0 0 0 rg BT 314.57 348.75 Td (Milwaukee ) Tj ET Q q 0 0 0 rg BT 364.92 348.75 Td (areas, ) Tj ET Q q 0 0 0 rg BT 395.82 348.75 Td (and ) Tj ET Q q 0 0 0 rg BT 415.62 348.75 Td (in ) Tj ET Q q 0 0 0 rg BT 426.51 348.75 Td (select ) Tj ET Q q 0 0 0 rg BT 455.74 348.75 Td (high-growth ) Tj ET Q q 0 0 0 rg BT 511.10 348.75 Td (wealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 336.75 Td (management ) Tj ET Q q 0 0 0 rg BT 133.15 336.75 Td (markets ) Tj ET Q q 0 0 0 rg BT 171.49 336.75 Td (across ) Tj ET Q q 0 0 0 rg BT 203.72 336.75 Td (the ) Tj ET Q q 0 0 0 rg BT 220.40 336.75 Td (U.S.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 314.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 100.40 314.75 Td (CM ) Tj ET Q q 0 0 0 rg BT 121.57 314.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 164.99 314.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 199.52 314.75 Td (raising, ) Tj ET Q q 0 0 0 rg BT 237.38 314.75 Td (investing, ) Tj ET Q q 0 0 0 rg BT 285.25 314.75 Td (advisory) Tj ET Q q 0 0 0 rg BT 321.74 314.75 Td (, ) Tj ET Q q 0 0 0 rg BT 330.14 314.75 Td (treasury ) Tj ET Q q 0 0 0 rg BT 371.88 314.75 Td (and ) Tj ET Q q 0 0 0 rg BT 394.19 314.75 Td (research ) Tj ET Q q 0 0 0 rg BT 438.72 314.75 Td (services ) Tj ET Q q 0 0 0 rg BT 481.02 314.75 Td (to ) Tj ET Q q 0 0 0 rg BT 494.98 314.75 Td (corporate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 302.75 Td (institutional, ) Tj ET Q q 0 0 0 rg BT 126.20 302.75 Td (and ) Tj ET Q q 0 0 0 rg BT 144.28 302.75 Td (government ) Tj ET Q q 0 0 0 rg BT 198.48 302.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 228.21 302.75 Td (in ) Tj ET Q q 0 0 0 rg BT 237.39 302.75 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 276.59 302.75 Td (the ) Tj ET Q q 0 0 0 rg BT 291.88 302.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 315.50 302.75 Td (South ) Tj ET Q q 0 0 0 rg BT 342.75 302.75 Td (America, ) Tj ET Q q 0 0 0 rg BT 383.59 302.75 Td (Europe, ) Tj ET Q q 0 0 0 rg BT 419.73 302.75 Td (Asia ) Tj ET Q q 0 0 0 rg BT 440.58 302.75 Td (and ) Tj ET Q q 0 0 0 rg BT 458.38 302.75 Td (Australia. ) Tj ET Q q 0 0 0 rg BT 501.45 302.75 Td ( ) Tj ET Q q 0 0 0 rg BT 502.76 302.75 Td (Through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 290.75 Td (Investment ) Tj ET Q q 0 0 0 rg BT 123.49 290.75 Td (& ) Tj ET Q q 0 0 0 rg BT 132.74 290.75 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 179.79 290.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 218.51 290.75 Td (\(I&CB\), ) Tj ET Q q 0 0 0 rg BT 253.87 290.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 279.23 290.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 312.94 290.75 Td (Markets ) Tj ET Q q 0 0 0 rg BT 351.08 290.75 Td (of) Tj ET Q q 0 0 0 rg BT 359.24 290.75 Td (fers ) Tj ET Q q 0 0 0 rg BT 378.50 290.75 Td (advisory ) Tj ET Q q 0 0 0 rg BT 418.31 290.75 Td (and ) Tj ET Q q 0 0 0 rg BT 437.58 290.75 Td (execution ) Tj ET Q q 0 0 0 rg BT 482.97 290.75 Td (services ) Tj ET Q q 0 0 0 rg BT 522.23 290.75 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 278.75 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 132.40 278.75 Td (ef) Tj ET Q q 0 0 0 rg BT 140.56 278.75 Td (forts ) Tj ET Q q 0 0 0 rg BT 162.58 278.75 Td (in ) Tj ET Q q 0 0 0 rg BT 172.95 278.75 Td (selected ) Tj ET Q q 0 0 0 rg BT 212.77 278.75 Td (industry ) Tj ET Q q 0 0 0 rg BT 250.37 278.75 Td (sectors. ) Tj ET Q q 0 0 0 rg BT 287.96 278.75 Td (Clients ) Tj ET Q q 0 0 0 rg BT 321.11 278.75 Td (are ) Tj ET Q q 0 0 0 rg BT 338.14 278.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 378.50 278.75 Td (large ) Tj ET Q q 0 0 0 rg BT 403.31 278.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 448.71 278.75 Td (and ) Tj ET Q q 0 0 0 rg BT 467.97 278.75 Td (mid-market ) Tj ET Q q 0 0 0 rg BT 520.56 278.75 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 266.75 Td (companies, ) Tj ET Q q 0 0 0 rg BT 126.33 266.75 Td (as ) Tj ET Q q 0 0 0 rg BT 140.09 266.75 Td (well ) Tj ET Q q 0 0 0 rg BT 160.51 266.75 Td (as ) Tj ET Q q 0 0 0 rg BT 174.27 266.75 Td (government ) Tj ET Q q 0 0 0 rg BT 230.27 266.75 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 276.27 266.75 Td (that ) Tj ET Q q 0 0 0 rg BT 296.15 266.75 Td (need ) Tj ET Q q 0 0 0 rg BT 321.59 266.75 Td (to ) Tj ET Q q 0 0 0 rg BT 333.12 266.75 Td (raise ) Tj ET Q q 0 0 0 rg BT 357.99 266.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 390.09 266.75 Td (through ) Tj ET Q q 0 0 0 rg BT 427.20 266.75 Td (equity) Tj ET Q q 0 0 0 rg BT 453.15 266.75 Td (, ) Tj ET Q q 0 0 0 rg BT 459.12 266.75 Td (debt ) Tj ET Q q 0 0 0 rg BT 481.78 266.75 Td (and/or ) Tj ET Q q 0 0 0 rg BT 513.33 266.75 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 254.75 Td (I&CB ) Tj ET Q q 0 0 0 rg BT 98.12 254.75 Td (also ) Tj ET Q q 0 0 0 rg BT 119.24 254.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 159.81 254.75 Td (advisory ) Tj ET Q q 0 0 0 rg BT 199.83 254.75 Td (and ) Tj ET Q q 0 0 0 rg BT 219.29 254.75 Td (execution ) Tj ET Q q 0 0 0 rg BT 264.87 254.75 Td (services ) Tj ET Q q 0 0 0 rg BT 304.32 254.75 Td (to ) Tj ET Q q 0 0 0 rg BT 315.44 254.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 346.56 254.75 Td (engaging ) Tj ET Q q 0 0 0 rg BT 390.49 254.75 Td (in ) Tj ET Q q 0 0 0 rg BT 401.05 254.75 Td (M&A) Tj ET Q q 0 0 0 rg BT 422.17 254.75 Td ( ) Tj ET Q q 0 0 0 rg BT 424.95 254.75 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 484.42 254.75 Td (and ) Tj ET Q q 0 0 0 rg BT 503.88 254.75 Td (treasury ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 242.75 Td (and ) Tj ET Q q 0 0 0 rg BT 90.80 242.75 Td (trade ) Tj ET Q q 0 0 0 rg BT 115.71 242.75 Td (services ) Tj ET Q q 0 0 0 rg BT 154.50 242.75 Td (to ) Tj ET Q q 0 0 0 rg BT 164.95 242.75 Td (help ) Tj ET Q q 0 0 0 rg BT 185.97 242.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 216.43 242.75 Td (manage ) Tj ET Q q 0 0 0 rg BT 254.68 242.75 Td (their ) Tj ET Q q 0 0 0 rg BT 276.25 242.75 Td (working ) Tj ET Q q 0 0 0 rg BT 312.82 242.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 343.85 242.75 Td (ef) Tj ET Q q 0 0 0 rg BT 352.00 242.75 Td (fectively) Tj ET Q q 0 0 0 rg BT 387.39 242.75 Td (. ) Tj ET Q q 0 0 0 rg BT 392.14 242.75 Td (The ) Tj ET Q q 0 0 0 rg BT 411.49 242.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 433.05 242.75 Td (segment ) Tj ET Q q 0 0 0 rg BT 473.52 242.75 Td (of ) Tj ET Q q 0 0 0 rg BT 483.97 242.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 508.87 242.75 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 230.75 Td (Markets ) Tj ET Q q 0 0 0 rg BT 109.55 230.75 Td (T) Tj ET Q q 0 0 0 rg BT 115.29 230.75 Td (rading ) Tj ET Q q 0 0 0 rg BT 145.21 230.75 Td (Products ) Tj ET Q q 0 0 0 rg BT 186.80 230.75 Td (business, ) Tj ET Q q 0 0 0 rg BT 231.17 230.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 252.61 230.75 Td (T) Tj ET Q q 0 0 0 rg BT 258.34 230.75 Td (rading ) Tj ET Q q 0 0 0 rg BT 288.27 230.75 Td (Products ) Tj ET Q q 0 0 0 rg BT 329.86 230.75 Td (\(USTP\), ) Tj ET Q q 0 0 0 rg BT 368.09 230.75 Td (of) Tj ET Q q 0 0 0 rg BT 376.25 230.75 Td (fers ) Tj ET Q q 0 0 0 rg BT 395.05 230.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 426.08 230.75 Td (raising, ) Tj ET Q q 0 0 0 rg BT 460.44 230.75 Td (advisory) Tj ET Q q 0 0 0 rg BT 496.94 230.75 Td (, ) Tj ET Q q 0 0 0 rg BT 501.84 230.75 Td (treasury) Tj ET Q q 0 0 0 rg BT 537.22 230.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 218.75 Td (research ) Tj ET Q q 0 0 0 rg BT 115.37 218.75 Td (and ) Tj ET Q q 0 0 0 rg BT 136.51 218.75 Td (execution ) Tj ET Q q 0 0 0 rg BT 183.78 218.75 Td (services ) Tj ET Q q 0 0 0 rg BT 224.91 218.75 Td (in ) Tj ET Q q 0 0 0 rg BT 237.15 218.75 Td (the ) Tj ET Q q 0 0 0 rg BT 255.51 218.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 303.34 218.75 Td (traded ) Tj ET Q q 0 0 0 rg BT 336.15 218.75 Td (and ) Tj ET Q q 0 0 0 rg BT 357.30 218.75 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 435.13 218.75 Td (marketplaces. ) Tj ET Q q 0 0 0 rg BT 501.83 218.75 Td (USTP) Tj ET Q q 0 0 0 rg BT 528.32 218.75 Td ( ) Tj ET Q q 0 0 0 rg BT 532.78 218.75 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 206.75 Td (comprised ) Tj ET Q q 0 0 0 rg BT 119.79 206.75 Td (of ) Tj ET Q q 0 0 0 rg BT 129.79 206.75 Td (the ) Tj ET Q q 0 0 0 rg BT 145.35 206.75 Td (Sales ) Tj ET Q q 0 0 0 rg BT 172.03 206.75 Td (and ) Tj ET Q q 0 0 0 rg BT 190.27 206.75 Td (T) Tj ET Q q 0 0 0 rg BT 196.01 206.75 Td (rading ) Tj ET Q q 0 0 0 rg BT 225.47 206.75 Td (function ) Tj ET Q q 0 0 0 rg BT 262.15 206.75 Td (that ) Tj ET Q q 0 0 0 rg BT 280.49 206.75 Td (is ) Tj ET Q q 0 0 0 rg BT 289.38 206.75 Td (typically ) Tj ET Q q 0 0 0 rg BT 326.60 206.75 Td (a ) Tj ET Q q 0 0 0 rg BT 333.83 206.75 Td (hybrid ) Tj ET Q q 0 0 0 rg BT 362.73 206.75 Td (activity ) Tj ET Q q 0 0 0 rg BT 394.95 206.75 Td (comprised ) Tj ET Q q 0 0 0 rg BT 442.74 206.75 Td (of ) Tj ET Q q 0 0 0 rg BT 452.74 206.75 Td (customer ) Tj ET Q q 0 0 0 rg BT 495.52 206.75 Td (facilitation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 194.75 Td (and ) Tj ET Q q 0 0 0 rg BT 92.37 194.75 Td (market ) Tj ET Q q 0 0 0 rg BT 126.61 194.75 Td (making ) Tj ET Q q 0 0 0 rg BT 162.52 194.75 Td (activities, ) Tj ET Q q 0 0 0 rg BT 207.33 194.75 Td (organized ) Tj ET Q q 0 0 0 rg BT 254.93 194.75 Td (by ) Tj ET Q q 0 0 0 rg BT 269.17 194.75 Td (product ) Tj ET Q q 0 0 0 rg BT 306.21 194.75 Td (line. ) Tj ET Q q 0 0 0 rg BT 328.23 194.75 Td ( ) Tj ET Q q 0 0 0 rg BT 331.91 194.75 Td (Clients ) Tj ET Q q 0 0 0 rg BT 366.16 194.75 Td (are ) Tj ET Q q 0 0 0 rg BT 384.29 194.75 Td (issuers ) Tj ET Q q 0 0 0 rg BT 419.65 194.75 Td (and ) Tj ET Q q 0 0 0 rg BT 440.01 194.75 Td (investors ) Tj ET Q q 0 0 0 rg BT 483.71 194.75 Td (who ) Tj ET Q q 0 0 0 rg BT 505.74 194.75 Td (need ) Tj ET Q q 0 0 0 rg BT 531.66 194.75 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 182.75 Td (access ) Tj ET Q q 0 0 0 rg BT 105.86 182.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 137.50 182.75 Td (markets ) Tj ET Q q 0 0 0 rg BT 175.80 182.75 Td (and ) Tj ET Q q 0 0 0 rg BT 195.23 182.75 Td (manage ) Tj ET Q q 0 0 0 rg BT 234.10 182.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 252.39 182.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 302.94 182.75 Td (with ) Tj ET Q q 0 0 0 rg BT 323.46 182.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 356.77 182.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 402.88 182.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 430.63 182.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 466.16 182.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 493.90 182.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 523.33 182.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 170.75 Td (commodity ) Tj ET Q q 0 0 0 rg BT 123.12 170.75 Td (prices.) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I4 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 148.75 Td (1.1 ) Tj ET Q q 0 0 0 rg BT 88.68 148.75 Td ( ) Tj ET Q q 0 0 0 rg BT 91.46 148.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 117.57 148.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 149.80 148.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 204.24 148.75 Td (Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.36 148.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.00 148.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 126.75 Td (1.1.1 ) Tj ET Q q 0 0 0 rg BT 97.02 126.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 126.75 Td (Overview ) Tj ET Q q 0 0 0 rg BT 147.05 126.75 Td (of ) Tj ET Q q 0 0 0 rg BT 159.27 126.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 213.71 126.75 Td (Plan) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.83 126.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.00 126.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 104.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 96.82 104.75 Td (s ) Tj ET Q q 0 0 0 rg BT 103.94 104.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 134.96 104.75 Td (RP) Tj ET Q q 0 0 0 rg BT 148.67 104.75 Td ( ) Tj ET Q q 0 0 0 rg BT 150.79 104.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 190.71 104.75 Td (the ) Tj ET Q q 0 0 0 rg BT 206.73 104.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 242.76 104.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 282.11 104.75 Td (and ) Tj ET Q q 0 0 0 rg BT 300.92 104.75 Td (the ) Tj ET Q q 0 0 0 rg BT 316.94 104.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 342.39 104.75 Td (with ) Tj ET Q q 0 0 0 rg BT 362.29 104.75 Td (a ) Tj ET Q q 0 0 0 rg BT 369.97 104.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 390.99 104.75 Td (for ) Tj ET Q q 0 0 0 rg BT 404.78 104.75 Td (the ) Tj ET Q q 0 0 0 rg BT 420.80 104.75 Td (rapid ) Tj ET Q q 0 0 0 rg BT 445.16 104.75 Td (and ) Tj ET Q q 0 0 0 rg BT 463.96 104.75 Td (orderly ) Tj ET Q q 0 0 0 rg BT 496.65 104.75 Td (resolution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 92.75 Td (of ) Tj ET Q q 0 0 0 rg BT 82.67 92.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 107.49 92.75 Td (s ) Tj ET Q q 0 0 0 rg BT 114.82 92.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 136.59 92.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 185.62 92.75 Td (in ) Tj ET Q q 0 0 0 rg BT 195.73 92.75 Td (the ) Tj ET Q q 0 0 0 rg BT 211.96 92.75 Td (event ) Tj ET Q q 0 0 0 rg BT 238.75 92.75 Td (of ) Tj ET Q q 0 0 0 rg BT 249.42 92.75 Td (material ) Tj ET Q q 0 0 0 rg BT 287.31 92.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 326.33 92.75 Td (distress ) Tj ET Q q 0 0 0 rg BT 363.11 92.75 Td (or ) Tj ET Q q 0 0 0 rg BT 374.33 92.75 Td (failure ) Tj ET Q q 0 0 0 rg BT 403.90 92.75 Td (of ) Tj ET Q q 0 0 0 rg BT 414.56 92.75 Td (its ) Tj ET Q q 0 0 0 rg BT 426.89 92.75 Td (six ) Tj ET Q q 0 0 0 rg BT 441.44 92.75 Td (material ) Tj ET Q q 0 0 0 rg BT 479.34 92.75 Td (entities ) Tj ET Q q 0 0 0 rg BT 513.35 92.75 Td (\(MEs\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 80.75 Td (in ) Tj ET Q q 0 0 0 rg BT 82.97 80.75 Td (the ) Tj ET Q q 0 0 0 rg BT 100.07 80.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 125.48 80.75 Td (as ) Tj ET Q q 0 0 0 rg BT 139.24 80.75 Td (they ) Tj ET Q q 0 0 0 rg BT 161.33 80.75 Td (are ) Tj ET Q q 0 0 0 rg BT 178.97 80.75 Td (defined ) Tj ET Q q 0 0 0 rg BT 214.97 80.75 Td (and ) Tj ET Q q 0 0 0 rg BT 234.85 80.75 Td (identified ) Tj ET Q q 0 0 0 rg BT 278.07 80.75 Td (below ) Tj ET Q q 0 0 0 rg BT 307.39 80.75 Td (in ) Tj ET Q q 0 0 0 rg BT 318.36 80.75 Td (Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.91 80.75 Td (1.1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.15 80.75 Td ( ) Tj ET Q q 0 0 0 rg BT 380.13 80.75 Td (The ) Tj ET Q q 0 0 0 rg BT 400.55 80.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 432.65 80.75 Td (RP) Tj ET Q q 0 0 0 rg BT 446.36 80.75 Td ( ) Tj ET Q q 0 0 0 rg BT 449.55 80.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 490.54 80.75 Td (information ) Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.60 60.25 Td ( p5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (required ) Tj ET Q q 0 0 0 rg BT 111.16 712.75 Td (in ) Tj ET Q q 0 0 0 rg BT 121.41 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 137.78 712.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 169.16 712.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 192.19 712.75 Td (with ) Tj ET Q q 0 0 0 rg BT 212.45 712.75 Td (respect ) Tj ET Q q 0 0 0 rg BT 247.71 712.75 Td (to ) Tj ET Q q 0 0 0 rg BT 258.52 712.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 283.76 712.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 305.68 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 324.84 712.75 Td (its ) Tj ET Q q 0 0 0 rg BT 337.30 712.75 Td (core ) Tj ET Q q 0 0 0 rg BT 359.23 712.75 Td (business ) Tj ET Q q 0 0 0 rg BT 401.16 712.75 Td (lines ) Tj ET Q q 0 0 0 rg BT 424.20 712.75 Td (\(CBLs\) ) Tj ET Q q 0 0 0 rg BT 457.78 712.75 Td (that ) Tj ET Q q 0 0 0 rg BT 476.93 712.75 Td (are ) Tj ET Q q 0 0 0 rg BT 493.85 712.75 Td (conducted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (in ) Tj ET Q q 0 0 0 rg BT 83.35 700.75 Td (whole ) Tj ET Q q 0 0 0 rg BT 113.05 700.75 Td (or ) Tj ET Q q 0 0 0 rg BT 125.51 700.75 Td (material ) Tj ET Q q 0 0 0 rg BT 164.64 700.75 Td (part ) Tj ET Q q 0 0 0 rg BT 185.44 700.75 Td (in ) Tj ET Q q 0 0 0 rg BT 196.79 700.75 Td (the ) Tj ET Q q 0 0 0 rg BT 214.26 700.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 237.04 700.75 Td (These ) Tj ET Q q 0 0 0 rg BT 268.41 700.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 310.32 700.75 Td (are ) Tj ET Q q 0 0 0 rg BT 328.34 700.75 Td (conducted ) Tj ET Q q 0 0 0 rg BT 378.05 700.75 Td (through ) Tj ET Q q 0 0 0 rg BT 415.54 700.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 441.88 700.75 Td (U.S.) Tj ET Q q 0 0 0 rg BT 463.37 700.75 Td (s ) Tj ET Q q 0 0 0 rg BT 471.94 700.75 Td (three ) Tj ET Q q 0 0 0 rg BT 498.30 700.75 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 688.75 Td (divisions, ) Tj ET Q q 0 0 0 rg BT 115.91 688.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 138.13 688.75 Td (P&C, ) Tj ET Q q 0 0 0 rg BT 164.25 688.75 Td (WM, ) Tj ET Q q 0 0 0 rg BT 187.58 688.75 Td (and ) Tj ET Q q 0 0 0 rg BT 207.04 688.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 232.60 688.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 266.50 688.75 Td (Markets, ) Tj ET Q q 0 0 0 rg BT 307.62 688.75 Td (as ) Tj ET Q q 0 0 0 rg BT 320.96 688.75 Td (described ) Tj ET Q q 0 0 0 rg BT 367.10 688.75 Td (above ) Tj ET Q q 0 0 0 rg BT 397.12 688.75 Td (in ) Tj ET Q q 0 0 0 rg BT 407.68 688.75 Td (Section ) Tj ET Q q 0 0 0 rg BT 443.82 688.75 Td (1.0.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 460.50 688.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (In ) Tj ET Q q 0 0 0 rg BT 82.69 666.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 122.84 666.75 Td (the ) Tj ET Q q 0 0 0 rg BT 139.09 666.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 154.22 666.75 Td (RP) Tj ET Q q 0 0 0 rg BT 167.93 666.75 Td ( ) Tj ET Q q 0 0 0 rg BT 170.28 666.75 Td (\(discussed ) Tj ET Q q 0 0 0 rg BT 220.42 666.75 Td (more ) Tj ET Q q 0 0 0 rg BT 245.56 666.75 Td (fully ) Tj ET Q q 0 0 0 rg BT 265.69 666.75 Td (in ) Tj ET Q q 0 0 0 rg BT 275.82 666.75 Td (Section ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.52 666.75 Td (1.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.42 666.75 Td (\) ) Tj ET Q q 0 0 0 rg BT 331.10 666.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 371.25 666.75 Td (the ) Tj ET Q q 0 0 0 rg BT 387.50 666.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 413.17 666.75 Td (with ) Tj ET Q q 0 0 0 rg BT 433.31 666.75 Td (a ) Tj ET Q q 0 0 0 rg BT 441.22 666.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 462.47 666.75 Td (that ) Tj ET Q q 0 0 0 rg BT 481.50 666.75 Td (would ) Tj ET Q q 0 0 0 rg BT 509.97 666.75 Td (enable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 654.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.56 654.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 114.55 654.75 Td (to ) Tj ET Q q 0 0 0 rg BT 125.55 654.75 Td (address ) Tj ET Q q 0 0 0 rg BT 163.79 654.75 Td (the ) Tj ET Q q 0 0 0 rg BT 180.35 654.75 Td (failure ) Tj ET Q q 0 0 0 rg BT 210.25 654.75 Td (of ) Tj ET Q q 0 0 0 rg BT 221.25 654.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 246.68 654.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 276.01 654.75 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 304.24 654.75 Td ( ) Tj ET Q q 0 0 0 rg BT 306.90 654.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 332.34 654.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 361.67 654.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 386.50 654.75 Td (s ) Tj ET Q q 0 0 0 rg BT 394.16 654.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 409.60 654.75 Td (RP) Tj ET Q q 0 0 0 rg BT 423.31 654.75 Td ( ) Tj ET Q q 0 0 0 rg BT 425.97 654.75 Td (is ) Tj ET Q q 0 0 0 rg BT 435.85 654.75 Td (separately ) Tj ET Q q 0 0 0 rg BT 484.65 654.75 Td (filed ) Tj ET Q q 0 0 0 rg BT 505.65 654.75 Td (with ) Tj ET Q q 0 0 0 rg BT 526.10 654.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 642.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 98.11 642.75 Td (but ) Tj ET Q q 0 0 0 rg BT 114.79 642.75 Td (is ) Tj ET Q q 0 0 0 rg BT 124.79 642.75 Td (included ) Tj ET Q q 0 0 0 rg BT 164.82 642.75 Td (as ) Tj ET Q q 0 0 0 rg BT 178.16 642.75 Td (part ) Tj ET Q q 0 0 0 rg BT 198.17 642.75 Td (of ) Tj ET Q q 0 0 0 rg BT 209.29 642.75 Td (the ) Tj ET Q q 0 0 0 rg BT 225.96 642.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 257.65 642.75 Td (RP) Tj ET Q q 0 0 0 rg BT 271.36 642.75 Td ( ) Tj ET Q q 0 0 0 rg BT 274.14 642.75 Td (filing ) Tj ET Q q 0 0 0 rg BT 297.48 642.75 Td (in ) Tj ET Q q 0 0 0 rg BT 308.04 642.75 Td (all ) Tj ET Q q 0 0 0 rg BT 320.83 642.75 Td (material ) Tj ET Q q 0 0 0 rg BT 359.17 642.75 Td (respects.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 620.75 Td (BMO's ) Tj ET Q q 0 0 0 rg BT 103.94 620.75 Td (objective ) Tj ET Q q 0 0 0 rg BT 145.66 620.75 Td (is ) Tj ET Q q 0 0 0 rg BT 155.14 620.75 Td (to ) Tj ET Q q 0 0 0 rg BT 165.73 620.75 Td (address ) Tj ET Q q 0 0 0 rg BT 203.56 620.75 Td (any ) Tj ET Q q 0 0 0 rg BT 221.94 620.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 257.53 620.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 318.15 620.75 Td (in ) Tj ET Q q 0 0 0 rg BT 328.18 620.75 Td (the ) Tj ET Q q 0 0 0 rg BT 344.34 620.75 Td (dif) Tj ET Q q 0 0 0 rg BT 354.72 620.75 Td (ferent ) Tj ET Q q 0 0 0 rg BT 382.54 620.75 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 437.04 620.75 Td (in ) Tj ET Q q 0 0 0 rg BT 447.08 620.75 Td (which ) Tj ET Q q 0 0 0 rg BT 474.90 620.75 Td (it ) Tj ET Q q 0 0 0 rg BT 482.15 620.75 Td (operates ) Tj ET Q q 0 0 0 rg BT 523.32 620.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 608.75 Td (to ) Tj ET Q q 0 0 0 rg BT 83.06 608.75 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 114.11 608.75 Td (the ) Tj ET Q q 0 0 0 rg BT 130.73 608.75 Td (regulators) Tj ET Q q 0 0 0 rg BT 177.05 608.75 Td ( ) Tj ET Q q 0 0 0 rg BT 179.77 608.75 Td (key ) Tj ET Q q 0 0 0 rg BT 198.05 608.75 Td (goals ) Tj ET Q q 0 0 0 rg BT 224.67 608.75 Td (for ) Tj ET Q q 0 0 0 rg BT 239.06 608.75 Td (recovery ) Tj ET Q q 0 0 0 rg BT 280.12 608.75 Td (and ) Tj ET Q q 0 0 0 rg BT 299.52 608.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 345.60 608.75 Td (planning. ) Tj ET Q q 0 0 0 rg BT 388.73 608.75 Td (The ) Tj ET Q q 0 0 0 rg BT 408.68 608.75 Td (RP) Tj ET Q q 0 0 0 rg BT 422.39 608.75 Td ( ) Tj ET Q q 0 0 0 rg BT 425.11 608.75 Td (presented ) Tj ET Q q 0 0 0 rg BT 472.30 608.75 Td (here ) Tj ET Q q 0 0 0 rg BT 495.03 608.75 Td (is ) Tj ET Q q 0 0 0 rg BT 504.97 608.75 Td (focused ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 596.75 Td (only ) Tj ET Q q 0 0 0 rg BT 94.52 596.75 Td (on ) Tj ET Q q 0 0 0 rg BT 109.82 596.75 Td (planning ) Tj ET Q q 0 0 0 rg BT 151.81 596.75 Td (for ) Tj ET Q q 0 0 0 rg BT 167.66 596.75 Td (the ) Tj ET Q q 0 0 0 rg BT 185.74 596.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 233.27 596.75 Td (of ) Tj ET Q q 0 0 0 rg BT 245.79 596.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 270.61 596.75 Td (s ) Tj ET Q q 0 0 0 rg BT 279.78 596.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 303.41 596.75 Td (operations; ) Tj ET Q q 0 0 0 rg BT 357.06 596.75 Td (other ) Tj ET Q q 0 0 0 rg BT 384.03 596.75 Td (plans ) Tj ET Q q 0 0 0 rg BT 412.12 596.75 Td (exist, ) Tj ET Q q 0 0 0 rg BT 439.63 596.75 Td (however) Tj ET Q q 0 0 0 rg BT 476.88 596.75 Td (, ) Tj ET Q q 0 0 0 rg BT 483.83 596.75 Td (or ) Tj ET Q q 0 0 0 rg BT 496.90 596.75 Td (are ) Tj ET Q q 0 0 0 rg BT 515.53 596.75 Td (being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 584.75 Td (formulated ) Tj ET Q q 0 0 0 rg BT 121.69 584.75 Td (in ) Tj ET Q q 0 0 0 rg BT 131.92 584.75 Td (other ) Tj ET Q q 0 0 0 rg BT 157.16 584.75 Td (jurisdictions, ) Tj ET Q q 0 0 0 rg BT 214.63 584.75 Td (which ) Tj ET Q q 0 0 0 rg BT 242.64 584.75 Td (also ) Tj ET Q q 0 0 0 rg BT 263.43 584.75 Td (contain ) Tj ET Q q 0 0 0 rg BT 298.12 584.75 Td (strategies ) Tj ET Q q 0 0 0 rg BT 343.92 584.75 Td (for ) Tj ET Q q 0 0 0 rg BT 358.04 584.75 Td (the ) Tj ET Q q 0 0 0 rg BT 374.38 584.75 Td (recovery ) Tj ET Q q 0 0 0 rg BT 415.17 584.75 Td (or ) Tj ET Q q 0 0 0 rg BT 426.51 584.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 472.32 584.75 Td (of ) Tj ET Q q 0 0 0 rg BT 483.10 584.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 508.33 584.75 Td (entities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 572.75 Td (according ) Tj ET Q q 0 0 0 rg BT 118.41 572.75 Td (to ) Tj ET Q q 0 0 0 rg BT 129.80 572.75 Td (the ) Tj ET Q q 0 0 0 rg BT 146.75 572.75 Td (rules ) Tj ET Q q 0 0 0 rg BT 171.47 572.75 Td (and ) Tj ET Q q 0 0 0 rg BT 191.20 572.75 Td (laws ) Tj ET Q q 0 0 0 rg BT 214.25 572.75 Td (in ) Tj ET Q q 0 0 0 rg BT 225.09 572.75 Td (those ) Tj ET Q q 0 0 0 rg BT 252.60 572.75 Td (jurisdictions. ) Tj ET Q q 0 0 0 rg BT 310.47 572.75 Td (The ) Tj ET Q q 0 0 0 rg BT 330.75 572.75 Td (definitions ) Tj ET Q q 0 0 0 rg BT 378.82 572.75 Td (used ) Tj ET Q q 0 0 0 rg BT 403.56 572.75 Td (for) Tj ET Q q 0 0 0 rg BT 414.68 572.75 Td (, ) Tj ET Q q 0 0 0 rg BT 420.50 572.75 Td (and ) Tj ET Q q 0 0 0 rg BT 440.24 572.75 Td (approach ) Tj ET Q q 0 0 0 rg BT 484.98 572.75 Td (taken ) Tj ET Q q 0 0 0 rg BT 512.49 572.75 Td (in, ) Tj ET Q q 0 0 0 rg BT 526.10 572.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 560.75 Td (RP) Tj ET Q q 0 0 0 rg BT 85.71 560.75 Td ( ) Tj ET Q q 0 0 0 rg BT 89.98 560.75 Td (presented ) Tj ET Q q 0 0 0 rg BT 138.73 560.75 Td (here ) Tj ET Q q 0 0 0 rg BT 163.02 560.75 Td (may) Tj ET Q q 0 0 0 rg BT 181.17 560.75 Td (, ) Tj ET Q q 0 0 0 rg BT 188.22 560.75 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 235.30 560.75 Td (dif) Tj ET Q q 0 0 0 rg BT 245.68 560.75 Td (fer ) Tj ET Q q 0 0 0 rg BT 261.62 560.75 Td (from ) Tj ET Q q 0 0 0 rg BT 285.89 560.75 Td (those ) Tj ET Q q 0 0 0 rg BT 314.63 560.75 Td (used ) Tj ET Q q 0 0 0 rg BT 340.58 560.75 Td (in ) Tj ET Q q 0 0 0 rg BT 352.64 560.75 Td (similar ) Tj ET Q q 0 0 0 rg BT 385.80 560.75 Td (plans ) Tj ET Q q 0 0 0 rg BT 413.98 560.75 Td (filed ) Tj ET Q q 0 0 0 rg BT 436.59 560.75 Td (by ) Tj ET Q q 0 0 0 rg BT 451.43 560.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 478.48 560.75 Td (with ) Tj ET Q q 0 0 0 rg BT 500.54 560.75 Td (non-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 548.75 Td (regulators. ) Tj ET Q q 0 0 0 rg BT 122.92 548.75 Td (Further) Tj ET Q q 0 0 0 rg BT 154.60 548.75 Td (, ) Tj ET Q q 0 0 0 rg BT 161.05 548.75 Td (the ) Tj ET Q q 0 0 0 rg BT 178.62 548.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 206.74 548.75 Td (identified ) Tj ET Q q 0 0 0 rg BT 250.44 548.75 Td (in ) Tj ET Q q 0 0 0 rg BT 261.90 548.75 Td (this ) Tj ET Q q 0 0 0 rg BT 281.13 548.75 Td (RP) Tj ET Q q 0 0 0 rg BT 294.84 548.75 Td ( ) Tj ET Q q 0 0 0 rg BT 298.51 548.75 Td (are ) Tj ET Q q 0 0 0 rg BT 316.63 548.75 Td (for ) Tj ET Q q 0 0 0 rg BT 331.98 548.75 Td (consideration ) Tj ET Q q 0 0 0 rg BT 395.13 548.75 Td (only ) Tj ET Q q 0 0 0 rg BT 417.14 548.75 Td (with ) Tj ET Q q 0 0 0 rg BT 438.60 548.75 Td (respect ) Tj ET Q q 0 0 0 rg BT 475.06 548.75 Td (to ) Tj ET Q q 0 0 0 rg BT 487.07 548.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 511.89 548.75 Td (s ) Tj ET Q q 0 0 0 rg BT 520.56 548.75 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 536.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 121.48 536.75 Td (and ) Tj ET Q q 0 0 0 rg BT 140.94 536.75 Td (may ) Tj ET Q q 0 0 0 rg BT 162.61 536.75 Td (not ) Tj ET Q q 0 0 0 rg BT 179.29 536.75 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 232.09 536.75 Td (be ) Tj ET Q q 0 0 0 rg BT 245.99 536.75 Td (considered ) Tj ET Q q 0 0 0 rg BT 297.69 536.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 324.92 536.75 Td (in ) Tj ET Q q 0 0 0 rg BT 335.48 536.75 Td (other ) Tj ET Q q 0 0 0 rg BT 361.05 536.75 Td (jurisdictions.) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I5 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 514.75 Td (1.1.2 ) Tj ET Q q 0 0 0 rg BT 97.02 514.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 514.75 Td (Material ) Tj ET Q q 0 0 0 rg BT 140.37 514.75 Td (Entities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 176.49 514.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 492.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.54 492.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 124.76 492.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 148.64 492.75 Td (defines ) Tj ET Q q 0 0 0 rg BT 184.20 492.75 Td (a ) Tj ET Q q 0 0 0 rg BT 193.08 492.75 Td (material ) Tj ET Q q 0 0 0 rg BT 231.96 492.75 Td (entity ) Tj ET Q q 0 0 0 rg BT 259.17 492.75 Td (\(ME\) ) Tj ET Q q 0 0 0 rg BT 284.14 492.75 Td (as ) Tj ET Q q 0 0 0 rg BT 298.02 492.75 Td (a ) Tj ET Q q 0 0 0 rg BT 310.22 492.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 358.56 492.75 Td (or ) Tj ET Q q 0 0 0 rg BT 370.76 492.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 404.65 492.75 Td (of) Tj ET Q q 0 0 0 rg BT 412.81 492.75 Td (fice ) Tj ET Q q 0 0 0 rg BT 431.68 492.75 Td (of ) Tj ET Q q 0 0 0 rg BT 443.34 492.75 Td (the ) Tj ET Q q 0 0 0 rg BT 460.55 492.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 499.44 492.75 Td (company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 480.75 Td (that ) Tj ET Q q 0 0 0 rg BT 91.46 480.75 Td (is ) Tj ET Q q 0 0 0 rg BT 101.46 480.75 Td (significant ) Tj ET Q q 0 0 0 rg BT 148.70 480.75 Td (to ) Tj ET Q q 0 0 0 rg BT 159.82 480.75 Td (the ) Tj ET Q q 0 0 0 rg BT 176.50 480.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 217.63 480.75 Td (of ) Tj ET Q q 0 0 0 rg BT 228.74 480.75 Td (a ) Tj ET Q q 0 0 0 rg BT 237.08 480.75 Td (critical ) Tj ET Q q 0 0 0 rg BT 268.20 480.75 Td (operation ) Tj ET Q q 0 0 0 rg BT 312.67 480.75 Td (or ) Tj ET Q q 0 0 0 rg BT 324.34 480.75 Td (core ) Tj ET Q q 0 0 0 rg BT 346.58 480.75 Td (business ) Tj ET Q q 0 0 0 rg BT 388.82 480.75 Td (line.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 458.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.23 458.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 124.13 458.75 Td (RP) Tj ET Q q 0 0 0 rg BT 137.84 458.75 Td ( ) Tj ET Q q 0 0 0 rg BT 140.84 458.75 Td (identifies ) Tj ET Q q 0 0 0 rg BT 183.31 458.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 216.32 458.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 242.10 458.75 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 297.90 458.75 Td (and ) Tj ET Q q 0 0 0 rg BT 317.58 458.75 Td (other ) Tj ET Q q 0 0 0 rg BT 343.37 458.75 Td (entities ) Tj ET Q q 0 0 0 rg BT 378.05 458.75 Td (as ) Tj ET Q q 0 0 0 rg BT 391.61 458.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 414.61 458.75 Td (for ) Tj ET Q q 0 0 0 rg BT 429.28 458.75 Td (the ) Tj ET Q q 0 0 0 rg BT 446.18 458.75 Td (purpose ) Tj ET Q q 0 0 0 rg BT 485.32 458.75 Td (of ) Tj ET Q q 0 0 0 rg BT 496.65 458.75 Td (resolution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 446.75 Td (planning. ) Tj ET Q q 0 0 0 rg BT 114.75 446.75 Td (The ) Tj ET Q q 0 0 0 rg BT 134.28 446.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 165.49 446.75 Td (RP) Tj ET Q q 0 0 0 rg BT 179.20 446.75 Td ( ) Tj ET Q q 0 0 0 rg BT 181.51 446.75 Td (includes ) Tj ET Q q 0 0 0 rg BT 220.50 446.75 Td (an ) Tj ET Q q 0 0 0 rg BT 233.93 446.75 Td (analysis ) Tj ET Q q 0 0 0 rg BT 272.36 446.75 Td (of ) Tj ET Q q 0 0 0 rg BT 283.01 446.75 Td (each ) Tj ET Q q 0 0 0 rg BT 307.00 446.75 Td (ME ) Tj ET Q q 0 0 0 rg BT 324.30 446.75 Td (and ) Tj ET Q q 0 0 0 rg BT 343.29 446.75 Td (the ) Tj ET Q q 0 0 0 rg BT 359.50 446.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 405.16 446.75 Td (regime ) Tj ET Q q 0 0 0 rg BT 438.03 446.75 Td (and ) Tj ET Q q 0 0 0 rg BT 457.02 446.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 494.90 446.75 Td (that ) Tj ET Q q 0 0 0 rg BT 513.88 446.75 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 434.75 Td (be ) Tj ET Q q 0 0 0 rg BT 85.90 434.75 Td (applicable ) Tj ET Q q 0 0 0 rg BT 133.71 434.75 Td (to ) Tj ET Q q 0 0 0 rg BT 144.83 434.75 Td (each ) Tj ET Q q 0 0 0 rg BT 169.29 434.75 Td (ME. ) Tj ET Q q 0 0 0 rg BT 189.67 434.75 Td (The ) Tj ET Q q 0 0 0 rg BT 209.68 434.75 Td (following ) Tj ET Q q 0 0 0 rg BT 251.37 434.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 274.15 434.75 Td (are ) Tj ET Q q 0 0 0 rg BT 291.38 434.75 Td (identified:) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 411.16552734375 m 170.33984375 411.16552734375 l s q 0 0 0 rg BT 72.00 412.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.11 412.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 144.23 412.75 Td (Corp.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 397.75 Td (BFC, ) Tj ET Q q 0 0 0 rg BT 98.51 397.75 Td (a ) Tj ET Q q 0 0 0 rg BT 107.80 397.75 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 153.77 397.75 Td (corporation, ) Tj ET Q q 0 0 0 rg BT 210.31 397.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 235.73 397.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 271.71 397.75 Td (company ) Tj ET Q q 0 0 0 rg BT 316.01 397.75 Td (and ) Tj ET Q q 0 0 0 rg BT 336.43 397.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 376.85 397.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 412.83 397.75 Td (company) Tj ET Q q 0 0 0 rg BT 452.66 397.75 Td (, ) Tj ET Q q 0 0 0 rg BT 459.17 397.75 Td (is ) Tj ET Q q 0 0 0 rg BT 470.13 397.75 Td (a ) Tj ET Q q 0 0 0 rg BT 479.42 397.75 Td (wholly-owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 385.75 Td (direct ) Tj ET Q q 0 0 0 rg BT 100.04 385.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 148.65 385.75 Td (of ) Tj ET Q q 0 0 0 rg BT 160.58 385.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 186.95 385.75 Td (and ) Tj ET Q q 0 0 0 rg BT 207.23 385.75 Td (is ) Tj ET Q q 0 0 0 rg BT 218.04 385.75 Td (the ) Tj ET Q q 0 0 0 rg BT 235.53 385.75 Td (top-tier) Tj ET Q q 0 0 0 rg BT 266.11 385.75 Td (, ) Tj ET Q q 0 0 0 rg BT 272.47 385.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 295.51 385.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 331.36 385.75 Td (company ) Tj ET Q q 0 0 0 rg BT 375.52 385.75 Td (for ) Tj ET Q q 0 0 0 rg BT 390.78 385.75 Td (most ) Tj ET Q q 0 0 0 rg BT 416.04 385.75 Td (of ) Tj ET Q q 0 0 0 rg BT 427.97 385.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 452.79 385.75 Td (s ) Tj ET Q q 0 0 0 rg BT 461.38 385.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 484.42 385.75 Td (subsidiaries, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 373.75 Td (including ) Tj ET Q q 0 0 0 rg BT 114.25 373.75 Td (its ) Tj ET Q q 0 0 0 rg BT 127.03 373.75 Td (two ) Tj ET Q q 0 0 0 rg BT 145.37 373.75 Td (IDIs, ) Tj ET Q q 0 0 0 rg BT 168.70 373.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 194.26 373.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 223.70 373.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 249.28 373.75 Td (and ) Tj ET Q q 0 0 0 rg BT 268.74 373.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 294.29 373.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 323.74 373.75 Td (Central.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 350.16552734375 m 177.0244140625 350.16552734375 l s q 0 0 0 rg BT 72.00 351.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.11 351.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 129.79 351.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 157.02 351.75 Td (N.A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 336.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.33 336.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.54 336.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 151.89 336.75 Td (is ) Tj ET Q q 0 0 0 rg BT 161.66 336.75 Td (one ) Tj ET Q q 0 0 0 rg BT 180.89 336.75 Td (of ) Tj ET Q q 0 0 0 rg BT 191.78 336.75 Td (the ) Tj ET Q q 0 0 0 rg BT 208.24 336.75 Td (largest ) Tj ET Q q 0 0 0 rg BT 240.80 336.75 Td (banks ) Tj ET Q q 0 0 0 rg BT 270.04 336.75 Td (in ) Tj ET Q q 0 0 0 rg BT 280.37 336.75 Td (the ) Tj ET Q q 0 0 0 rg BT 296.82 336.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 318.82 336.75 Td (Midwest ) Tj ET Q q 0 0 0 rg BT 358.04 336.75 Td (region, ) Tj ET Q q 0 0 0 rg BT 391.17 336.75 Td (serving ) Tj ET Q q 0 0 0 rg BT 425.96 336.75 Td (personal, ) Tj ET Q q 0 0 0 rg BT 469.65 336.75 Td (commercial ) Tj ET Q q 0 0 0 rg BT 523.31 336.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 324.75 Td (high ) Tj ET Q q 0 0 0 rg BT 93.45 324.75 Td (net ) Tj ET Q q 0 0 0 rg BT 109.89 324.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 136.88 324.75 Td (customers. ) Tj ET Q q 0 0 0 rg BT 188.32 324.75 Td ( ) Tj ET Q q 0 0 0 rg BT 190.86 324.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 216.18 324.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 245.38 324.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 270.71 324.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 311.05 324.75 Td (banking, ) Tj ET Q q 0 0 0 rg BT 351.40 324.75 Td (financing, ) Tj ET Q q 0 0 0 rg BT 396.75 324.75 Td (investing ) Tj ET Q q 0 0 0 rg BT 438.75 324.75 Td (and ) Tj ET Q q 0 0 0 rg BT 457.98 324.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 481.64 324.75 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 312.75 Td (services ) Tj ET Q q 0 0 0 rg BT 111.45 312.75 Td (as ) Tj ET Q q 0 0 0 rg BT 124.79 312.75 Td (well ) Tj ET Q q 0 0 0 rg BT 144.80 312.75 Td (as ) Tj ET Q q 0 0 0 rg BT 158.14 312.75 Td (a ) Tj ET Q q 0 0 0 rg BT 166.48 312.75 Td (full ) Tj ET Q q 0 0 0 rg BT 182.04 312.75 Td (suite ) Tj ET Q q 0 0 0 rg BT 205.94 312.75 Td (of ) Tj ET Q q 0 0 0 rg BT 217.06 312.75 Td (commercial ) Tj ET Q q 0 0 0 rg BT 270.96 312.75 Td (and ) Tj ET Q q 0 0 0 rg BT 290.42 312.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 329.89 312.75 Td (advisory ) Tj ET Q q 0 0 0 rg BT 369.90 312.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 412.13 312.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 289.16552734375 m 187.0244140625 289.16552734375 l s q 0 0 0 rg BT 72.00 290.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.11 290.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 129.79 290.75 Td (Central ) Tj ET Q q 0 0 0 rg BT 167.02 290.75 Td (N.A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 275.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.67 275.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 127.23 275.75 Td (Central ) Tj ET Q q 0 0 0 rg BT 162.36 275.75 Td (is ) Tj ET Q q 0 0 0 rg BT 172.48 275.75 Td (a ) Tj ET Q q 0 0 0 rg BT 180.94 275.75 Td (special ) Tj ET Q q 0 0 0 rg BT 214.96 275.75 Td (purpose ) Tj ET Q q 0 0 0 rg BT 253.99 275.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 278.01 275.75 Td (management ) Tj ET Q q 0 0 0 rg BT 339.28 275.75 Td (bank, ) Tj ET Q q 0 0 0 rg BT 366.63 275.75 Td (the ) Tj ET Q q 0 0 0 rg BT 383.43 275.75 Td (sole ) Tj ET Q q 0 0 0 rg BT 404.67 275.75 Td (purpose ) Tj ET Q q 0 0 0 rg BT 443.70 275.75 Td (of ) Tj ET Q q 0 0 0 rg BT 454.94 275.75 Td (which ) Tj ET Q q 0 0 0 rg BT 483.40 275.75 Td (is ) Tj ET Q q 0 0 0 rg BT 493.52 275.75 Td (to ) Tj ET Q q 0 0 0 rg BT 504.75 275.75 Td (act ) Tj ET Q q 0 0 0 rg BT 520.99 275.75 Td (as ) Tj ET Q q 0 0 0 rg BT 534.44 275.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 263.75 Td (disbursing ) Tj ET Q q 0 0 0 rg BT 119.72 263.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 143.55 263.75 Td (in ) Tj ET Q q 0 0 0 rg BT 153.48 263.75 Td (the ) Tj ET Q q 0 0 0 rg BT 169.52 263.75 Td (delivery ) Tj ET Q q 0 0 0 rg BT 206.13 263.75 Td (of ) Tj ET Q q 0 0 0 rg BT 216.61 263.75 Td (controlled ) Tj ET Q q 0 0 0 rg BT 262.11 263.75 Td (disbursement ) Tj ET Q q 0 0 0 rg BT 324.29 263.75 Td (account ) Tj ET Q q 0 0 0 rg BT 361.45 263.75 Td (services ) Tj ET Q q 0 0 0 rg BT 400.27 263.75 Td (for ) Tj ET Q q 0 0 0 rg BT 414.08 263.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 458.47 263.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 506.74 263.75 Td (of ) Tj ET Q q 0 0 0 rg BT 517.22 263.75 Td (BMO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 251.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 101.09 251.75 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 129.08 251.75 Td ( ) Tj ET Q q 0 0 0 rg BT 131.50 251.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 156.71 251.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 185.79 251.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 210.63 251.75 Td (s ) Tj ET Q q 0 0 0 rg BT 218.05 251.75 Td (controlled ) Tj ET Q q 0 0 0 rg BT 263.83 251.75 Td (disbursement ) Tj ET Q q 0 0 0 rg BT 326.29 251.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 357.05 251.75 Td (maintain ) Tj ET Q q 0 0 0 rg BT 397.27 251.75 Td (a ) Tj ET Q q 0 0 0 rg BT 405.26 251.75 Td (deposit ) Tj ET Q q 0 0 0 rg BT 439.93 251.75 Td (account ) Tj ET Q q 0 0 0 rg BT 477.37 251.75 Td (at ) Tj ET Q q 0 0 0 rg BT 488.14 251.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 513.34 251.75 Td (Harris ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 239.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 97.12 239.75 Td (and ) Tj ET Q q 0 0 0 rg BT 116.13 239.75 Td (a ) Tj ET Q q 0 0 0 rg BT 124.01 239.75 Td (deposit ) Tj ET Q q 0 0 0 rg BT 158.59 239.75 Td (account ) Tj ET Q q 0 0 0 rg BT 195.94 239.75 Td (at ) Tj ET Q q 0 0 0 rg BT 206.60 239.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 231.70 239.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 260.69 239.75 Td (Central. ) Tj ET Q q 0 0 0 rg BT 298.03 239.75 Td ( ) Tj ET Q q 0 0 0 rg BT 300.21 239.75 Td (These ) Tj ET Q q 0 0 0 rg BT 330.33 239.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 361.00 239.75 Td (draw ) Tj ET Q q 0 0 0 rg BT 385.00 239.75 Td (checks ) Tj ET Q q 0 0 0 rg BT 418.44 239.75 Td (on ) Tj ET Q q 0 0 0 rg BT 431.89 239.75 Td (their ) Tj ET Q q 0 0 0 rg BT 453.67 239.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 478.77 239.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 507.76 239.75 Td (Central ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 227.75 Td (account. ) Tj ET Q q 0 0 0 rg BT 112.02 227.75 Td ( ) Tj ET Q q 0 0 0 rg BT 114.23 227.75 Td (Funds ) Tj ET Q q 0 0 0 rg BT 144.24 227.75 Td (from ) Tj ET Q q 0 0 0 rg BT 166.45 227.75 Td (customers) Tj ET Q q 0 0 0 rg BT 214.42 227.75 Td ( ) Tj ET Q q 0 0 0 rg BT 216.64 227.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 241.63 227.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 270.51 227.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 295.52 227.75 Td (account ) Tj ET Q q 0 0 0 rg BT 332.75 227.75 Td (are ) Tj ET Q q 0 0 0 rg BT 349.42 227.75 Td (then ) Tj ET Q q 0 0 0 rg BT 371.10 227.75 Td (transferred ) Tj ET Q q 0 0 0 rg BT 421.67 227.75 Td (to ) Tj ET Q q 0 0 0 rg BT 432.22 227.75 Td (their ) Tj ET Q q 0 0 0 rg BT 453.89 227.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 478.88 227.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 507.76 227.75 Td (Central ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 215.75 Td (account ) Tj ET Q q 0 0 0 rg BT 111.33 215.75 Td (to ) Tj ET Q q 0 0 0 rg BT 123.97 215.75 Td (fund ) Tj ET Q q 0 0 0 rg BT 147.74 215.75 Td (the ) Tj ET Q q 0 0 0 rg BT 165.95 215.75 Td (drawn ) Tj ET Q q 0 0 0 rg BT 197.49 215.75 Td (checks ) Tj ET Q q 0 0 0 rg BT 232.92 215.75 Td (on ) Tj ET Q q 0 0 0 rg BT 248.34 215.75 Td (an ) Tj ET Q q 0 0 0 rg BT 263.77 215.75 Td (as ) Tj ET Q q 0 0 0 rg BT 281.97 215.75 Td (needed ) Tj ET Q q 0 0 0 rg BT 322.97 215.75 Td (basis. ) Tj ET Q q 0 0 0 rg BT 353.40 215.75 Td ( ) Tj ET Q q 0 0 0 rg BT 356.85 215.75 Td (Aside ) Tj ET Q q 0 0 0 rg BT 386.17 215.75 Td (from ) Tj ET Q q 0 0 0 rg BT 410.47 215.75 Td (the ) Tj ET Q q 0 0 0 rg BT 428.68 215.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 465.79 215.75 Td (of ) Tj ET Q q 0 0 0 rg BT 478.44 215.75 Td (the ) Tj ET Q q 0 0 0 rg BT 496.64 215.75 Td (controlled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 203.75 Td (disbursement ) Tj ET Q q 0 0 0 rg BT 134.66 203.75 Td (accounts ) Tj ET Q q 0 0 0 rg BT 177.31 203.75 Td (as ) Tj ET Q q 0 0 0 rg BT 190.51 203.75 Td (described ) Tj ET Q q 0 0 0 rg BT 236.50 203.75 Td (above, ) Tj ET Q q 0 0 0 rg BT 269.15 203.75 Td (no ) Tj ET Q q 0 0 0 rg BT 282.90 203.75 Td (client ) Tj ET Q q 0 0 0 rg BT 308.88 203.75 Td (deposits ) Tj ET Q q 0 0 0 rg BT 348.76 203.75 Td (are ) Tj ET Q q 0 0 0 rg BT 365.84 203.75 Td (accepted ) Tj ET Q q 0 0 0 rg BT 409.06 203.75 Td (by ) Tj ET Q q 0 0 0 rg BT 422.25 203.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 447.66 203.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 476.95 203.75 Td (Central. ) Tj ET Q q 0 0 0 rg BT 514.60 203.75 Td ( ) Tj ET Q q 0 0 0 rg BT 517.23 203.75 Td (BMO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 191.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 101.44 191.75 Td (Central ) Tj ET Q q 0 0 0 rg BT 136.46 191.75 Td (does ) Tj ET Q q 0 0 0 rg BT 160.92 191.75 Td (not ) Tj ET Q q 0 0 0 rg BT 177.60 191.75 Td (generate ) Tj ET Q q 0 0 0 rg BT 219.86 191.75 Td (any ) Tj ET Q q 0 0 0 rg BT 238.76 191.75 Td (loan ) Tj ET Q q 0 0 0 rg BT 260.44 191.75 Td (activity) Tj ET Q q 0 0 0 rg BT 290.26 191.75 Td (. ) Tj ET Q q 0 0 0 rg BT 295.82 191.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 168.16552734375 m 200.9111328125 168.16552734375 l s q 0 0 0 rg BT 72.00 169.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.11 169.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 134.23 169.75 Td (Markets ) Tj ET Q q 0 0 0 rg BT 174.80 169.75 Td (Corp.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 154.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.88 154.75 Td (CMC ) Tj ET Q q 0 0 0 rg BT 121.75 154.75 Td (is ) Tj ET Q q 0 0 0 rg BT 131.07 154.75 Td (a ) Tj ET Q q 0 0 0 rg BT 138.74 154.75 Td (wholly-owned ) Tj ET Q q 0 0 0 rg BT 201.42 154.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 248.54 154.75 Td (of ) Tj ET Q q 0 0 0 rg BT 258.98 154.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 281.08 154.75 Td (that ) Tj ET Q q 0 0 0 rg BT 299.86 154.75 Td (is ) Tj ET Q q 0 0 0 rg BT 309.18 154.75 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 366.87 154.75 Td (under ) Tj ET Q q 0 0 0 rg BT 394.55 154.75 Td (the ) Tj ET Q q 0 0 0 rg BT 410.55 154.75 Td (laws ) Tj ET Q q 0 0 0 rg BT 432.66 154.75 Td (of ) Tj ET Q q 0 0 0 rg BT 443.10 154.75 Td (the ) Tj ET Q q 0 0 0 rg BT 459.10 154.75 Td (State ) Tj ET Q q 0 0 0 rg BT 484.55 154.75 Td (of ) Tj ET Q q 0 0 0 rg BT 494.99 154.75 Td (Delaware. ) Tj ET Q q 0 0 0 rg BT 542.79 154.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 142.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.58 142.75 Td (CMC ) Tj ET Q q 0 0 0 rg BT 125.17 142.75 Td (operates ) Tj ET Q q 0 0 0 rg BT 167.89 142.75 Td (as ) Tj ET Q q 0 0 0 rg BT 182.26 142.75 Td (a ) Tj ET Q q 0 0 0 rg BT 191.62 142.75 Td (self-clearing, ) Tj ET Q q 0 0 0 rg BT 252.12 142.75 Td (institutional ) Tj ET Q q 0 0 0 rg BT 305.96 142.75 Td (broker-dealer ) Tj ET Q q 0 0 0 rg BT 369.24 142.75 Td (that ) Tj ET Q q 0 0 0 rg BT 389.72 142.75 Td (mainly ) Tj ET Q q 0 0 0 rg BT 422.42 142.75 Td (consists ) Tj ET Q q 0 0 0 rg BT 462.35 142.75 Td (of ) Tj ET Q q 0 0 0 rg BT 474.50 142.75 Td (receive ) Tj ET Q q 0 0 0 rg BT 510.54 142.75 Td (versus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 130.75 Td (payment ) Tj ET Q q 0 0 0 rg BT 113.47 130.75 Td (\(R) Tj ET Q q 0 0 0 rg BT 123.84 130.75 Td (VP\)/delivery ) Tj ET Q q 0 0 0 rg BT 180.86 130.75 Td (versus ) Tj ET Q q 0 0 0 rg BT 213.42 130.75 Td (payment ) Tj ET Q q 0 0 0 rg BT 254.89 130.75 Td (\(DVP\) ) Tj ET Q q 0 0 0 rg BT 285.22 130.75 Td (business ) Tj ET Q q 0 0 0 rg BT 327.80 130.75 Td (and ) Tj ET Q q 0 0 0 rg BT 347.60 130.75 Td (does ) Tj ET Q q 0 0 0 rg BT 372.39 130.75 Td (not ) Tj ET Q q 0 0 0 rg BT 389.41 130.75 Td (custody ) Tj ET Q q 0 0 0 rg BT 426.98 130.75 Td (client ) Tj ET Q q 0 0 0 rg BT 453.44 130.75 Td (assets. ) Tj ET Q q 0 0 0 rg BT 488.23 130.75 Td ( ) Tj ET Q q 0 0 0 rg BT 491.34 130.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 517.23 130.75 Td (CMC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 118.75 Td (is ) Tj ET Q q 0 0 0 rg BT 82.12 118.75 Td (registered ) Tj ET Q q 0 0 0 rg BT 129.49 118.75 Td (with ) Tj ET Q q 0 0 0 rg BT 150.17 118.75 Td (the ) Tj ET Q q 0 0 0 rg BT 166.98 118.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 189.32 118.75 Td (Securities ) Tj ET Q q 0 0 0 rg BT 236.13 118.75 Td (and ) Tj ET Q q 0 0 0 rg BT 255.72 118.75 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 303.09 118.75 Td (Commission ) Tj ET Q q 0 0 0 rg BT 361.00 118.75 Td (\(SEC\) ) Tj ET Q q 0 0 0 rg BT 391.13 118.75 Td (as ) Tj ET Q q 0 0 0 rg BT 404.59 118.75 Td (a ) Tj ET Q q 0 0 0 rg BT 413.05 118.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 435.40 118.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 480.54 118.75 Td (broker-dealer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 106.75 Td (and ) Tj ET Q q 0 0 0 rg BT 93.23 106.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 146.13 106.75 Td (advisor) Tj ET Q q 0 0 0 rg BT 177.81 106.75 Td (, ) Tj ET Q q 0 0 0 rg BT 185.13 106.75 Td (is ) Tj ET Q q 0 0 0 rg BT 196.90 106.75 Td (a ) Tj ET Q q 0 0 0 rg BT 207.00 106.75 Td (member ) Tj ET Q q 0 0 0 rg BT 248.22 106.75 Td (of ) Tj ET Q q 0 0 0 rg BT 261.11 106.75 Td (the ) Tj ET Q q 0 0 0 rg BT 279.55 106.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 324.12 106.75 Td (Industry ) Tj ET Q q 0 0 0 rg BT 364.23 106.75 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 416.23 106.75 Td (Authority ) Tj ET Q q 0 0 0 rg BT 460.24 106.75 Td (\(FINRA\) ) Tj ET Q q 0 0 0 rg BT 501.44 106.75 Td (and ) Tj ET Q q 0 0 0 rg BT 522.67 106.75 Td (is ) Tj ET Q q 0 0 0 rg BT 534.44 106.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 94.75 Td (designated ) Tj ET Q q 0 0 0 rg BT 124.60 94.75 Td (Primary ) Tj ET Q q 0 0 0 rg BT 162.71 94.75 Td (Dealer ) Tj ET Q q 0 0 0 rg BT 195.83 94.75 Td (with ) Tj ET Q q 0 0 0 rg BT 217.28 94.75 Td (the ) Tj ET Q q 0 0 0 rg BT 234.84 94.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 272.42 94.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 313.32 94.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 339.78 94.75 Td (of ) Tj ET Q q 0 0 0 rg BT 351.78 94.75 Td (New ) Tj ET Q q 0 0 0 rg BT 375.21 94.75 Td (Y) Tj ET Q q 0 0 0 rg BT 380.97 94.75 Td (ork. ) Tj ET Q q 0 0 0 rg BT 401.30 94.75 Td ( ) Tj ET Q q 0 0 0 rg BT 404.97 94.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 431.41 94.75 Td (CMC ) Tj ET Q q 0 0 0 rg BT 457.85 94.75 Td (is ) Tj ET Q q 0 0 0 rg BT 468.74 94.75 Td (registered ) Tj ET Q q 0 0 0 rg BT 516.87 94.75 Td (to ) Tj ET Q q 0 0 0 rg BT 528.88 94.75 Td (do ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 82.75 Td (business ) Tj ET Q q 0 0 0 rg BT 114.83 82.75 Td (in ) Tj ET Q q 0 0 0 rg BT 125.98 82.75 Td (all ) Tj ET Q q 0 0 0 rg BT 139.35 82.75 Td (50 ) Tj ET Q q 0 0 0 rg BT 153.84 82.75 Td (states. ) Tj ET Q q 0 0 0 rg BT 186.67 82.75 Td ( ) Tj ET Q q 0 0 0 rg BT 190.03 82.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 216.18 82.75 Td (CMC ) Tj ET Q q 0 0 0 rg BT 242.31 82.75 Td (is ) Tj ET Q q 0 0 0 rg BT 252.90 82.75 Td (a ) Tj ET Q q 0 0 0 rg BT 261.83 82.75 Td (member ) Tj ET Q q 0 0 0 rg BT 301.87 82.75 Td (of ) Tj ET Q q 0 0 0 rg BT 313.58 82.75 Td (a ) Tj ET Q q 0 0 0 rg BT 322.50 82.75 Td (number ) Tj ET Q q 0 0 0 rg BT 359.77 82.75 Td (of ) Tj ET Q q 0 0 0 rg BT 371.48 82.75 Td (fixed-income, ) Tj ET Q q 0 0 0 rg BT 434.31 82.75 Td (equities ) Tj ET Q q 0 0 0 rg BT 472.15 82.75 Td (and ) Tj ET Q q 0 0 0 rg BT 492.20 82.75 Td (derivatives ) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.60 60.25 Td ( p6 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (exchanges, ) Tj ET Q q 0 0 0 rg BT 125.73 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 144.99 712.75 Td (clearing ) Tj ET Q q 0 0 0 rg BT 182.59 712.75 Td (organizations ) Tj ET Q q 0 0 0 rg BT 244.65 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 263.91 712.75 Td (is ) Tj ET Q q 0 0 0 rg BT 273.71 712.75 Td (supervised ) Tj ET Q q 0 0 0 rg BT 324.65 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 343.92 712.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 378.18 712.75 Td (to ) Tj ET Q q 0 0 0 rg BT 389.10 712.75 Td (examination ) Tj ET Q q 0 0 0 rg BT 445.60 712.75 Td (by ) Tj ET Q q 0 0 0 rg BT 458.74 712.75 Td (FINRA, ) Tj ET Q q 0 0 0 rg BT 494.10 712.75 Td (its ) Tj ET Q q 0 0 0 rg BT 506.68 712.75 Td (primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (regulator) Tj ET Q q 0 0 0 rg BT 110.92 700.75 Td (, ) Tj ET Q q 0 0 0 rg BT 116.47 700.75 Td (the ) Tj ET Q q 0 0 0 rg BT 133.15 700.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 169.84 700.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 209.85 700.75 Td (Banks ) Tj ET Q q 0 0 0 rg BT 240.42 700.75 Td (of ) Tj ET Q q 0 0 0 rg BT 251.54 700.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 291.01 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 310.47 700.75 Td (New ) Tj ET Q q 0 0 0 rg BT 333.07 700.75 Td (Y) Tj ET Q q 0 0 0 rg BT 338.83 700.75 Td (ork, ) Tj ET Q q 0 0 0 rg BT 358.27 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 377.74 700.75 Td (the ) Tj ET Q q 0 0 0 rg BT 394.42 700.75 Td (SEC.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 677.16552734375 m 232.576171875 677.16552734375 l s q 0 0 0 rg BT 72.00 678.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 99.23 678.75 Td (of ) Tj ET Q q 0 0 0 rg BT 111.45 678.75 Td (Montreal ) Tj ET Q q 0 0 0 rg BT 155.90 678.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 198.12 678.75 Td (Branch) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 663.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.17 663.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 117.90 663.75 Td (of ) Tj ET Q q 0 0 0 rg BT 129.18 663.75 Td (Montreal ) Tj ET Q q 0 0 0 rg BT 171.02 663.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 210.65 663.75 Td (Branch ) Tj ET Q q 0 0 0 rg BT 245.28 663.75 Td (\(BMO ) Tj ET Q q 0 0 0 rg BT 274.32 663.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 313.95 663.75 Td (Branch\) ) Tj ET Q q 0 0 0 rg BT 351.90 663.75 Td (is ) Tj ET Q q 0 0 0 rg BT 362.06 663.75 Td (an ) Tj ET Q q 0 0 0 rg BT 376.13 663.75 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 406.85 663.75 Td (state-licensed ) Tj ET Q q 0 0 0 rg BT 471.49 663.75 Td (branch ) Tj ET Q q 0 0 0 rg BT 505.00 663.75 Td (of) Tj ET Q q 0 0 0 rg BT 513.16 663.75 Td (fice ) Tj ET Q q 0 0 0 rg BT 531.66 663.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 651.75 Td (BMO. ) Tj ET Q q 0 0 0 rg BT 100.33 651.75 Td ( ) Tj ET Q q 0 0 0 rg BT 103.11 651.75 Td (It ) Tj ET Q q 0 0 0 rg BT 111.45 651.75 Td (is ) Tj ET Q q 0 0 0 rg BT 121.45 651.75 Td (a ) Tj ET Q q 0 0 0 rg BT 129.79 651.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 153.69 651.75 Td (and ) Tj ET Q q 0 0 0 rg BT 173.16 651.75 Td (operational ) Tj ET Q q 0 0 0 rg BT 225.42 651.75 Td (extension ) Tj ET Q q 0 0 0 rg BT 271.00 651.75 Td (of ) Tj ET Q q 0 0 0 rg BT 282.12 651.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 307.68 651.75 Td (and ) Tj ET Q q 0 0 0 rg BT 327.14 651.75 Td (is ) Tj ET Q q 0 0 0 rg BT 337.14 651.75 Td (not ) Tj ET Q q 0 0 0 rg BT 353.82 651.75 Td (a ) Tj ET Q q 0 0 0 rg BT 362.16 651.75 Td (separate ) Tj ET Q q 0 0 0 rg BT 403.86 651.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 427.76 651.75 Td (entity) Tj ET Q q 0 0 0 rg BT 450.92 651.75 Td (. ) Tj ET Q q 0 0 0 rg BT 456.48 651.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 629.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.63 629.75 Td (purpose ) Tj ET Q q 0 0 0 rg BT 130.16 629.75 Td (of ) Tj ET Q q 0 0 0 rg BT 140.90 629.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 166.08 629.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 205.16 629.75 Td (Branch ) Tj ET Q q 0 0 0 rg BT 239.24 629.75 Td (is ) Tj ET Q q 0 0 0 rg BT 248.86 629.75 Td (to ) Tj ET Q q 0 0 0 rg BT 259.60 629.75 Td (support ) Tj ET Q q 0 0 0 rg BT 295.35 629.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 331.09 629.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 356.27 629.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 397.01 629.75 Td (within ) Tj ET Q q 0 0 0 rg BT 424.97 629.75 Td (the ) Tj ET Q q 0 0 0 rg BT 441.27 629.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 465.89 629.75 Td (including ) Tj ET Q q 0 0 0 rg BT 507.76 629.75 Td (optimal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 617.75 Td (use ) Tj ET Q q 0 0 0 rg BT 92.18 617.75 Td (of ) Tj ET Q q 0 0 0 rg BT 104.57 617.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 137.53 617.75 Td (and ) Tj ET Q q 0 0 0 rg BT 158.27 617.75 Td (control ) Tj ET Q q 0 0 0 rg BT 192.34 617.75 Td (of ) Tj ET Q q 0 0 0 rg BT 204.73 617.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 224.34 617.75 Td (and ) Tj ET Q q 0 0 0 rg BT 245.07 617.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 293.60 617.75 Td (compliance. ) Tj ET Q q 0 0 0 rg BT 351.01 617.75 Td ( ) Tj ET Q q 0 0 0 rg BT 355.06 617.75 Td (It ) Tj ET Q q 0 0 0 rg BT 364.67 617.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 406.52 617.75 Td (a ) Tj ET Q q 0 0 0 rg BT 416.14 617.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 439.64 617.75 Td (platform ) Tj ET Q q 0 0 0 rg BT 479.82 617.75 Td (for ) Tj ET Q q 0 0 0 rg BT 495.54 617.75 Td (facilitating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 605.75 Td (intercompany ) Tj ET Q q 0 0 0 rg BT 134.13 605.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 169.04 605.75 Td (between ) Tj ET Q q 0 0 0 rg BT 208.95 605.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 232.18 605.75 Td (entities ) Tj ET Q q 0 0 0 rg BT 265.97 605.75 Td (within ) Tj ET Q q 0 0 0 rg BT 293.64 605.75 Td (BMOFG, ) Tj ET Q q 0 0 0 rg BT 335.18 605.75 Td (as ) Tj ET Q q 0 0 0 rg BT 347.85 605.75 Td (well ) Tj ET Q q 0 0 0 rg BT 367.18 605.75 Td (as ) Tj ET Q q 0 0 0 rg BT 379.84 605.75 Td (supplementing ) Tj ET Q q 0 0 0 rg BT 446.99 605.75 Td (the ) Tj ET Q q 0 0 0 rg BT 462.99 605.75 Td (resources ) Tj ET Q q 0 0 0 rg BT 509.00 605.75 Td (of ) Tj ET Q q 0 0 0 rg BT 519.44 605.75 Td (BHB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 593.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.46 593.75 Td (other ) Tj ET Q q 0 0 0 rg BT 117.03 593.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 139.26 593.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 163.17 593.75 Td (entities ) Tj ET Q q 0 0 0 rg BT 197.63 593.75 Td (for ) Tj ET Q q 0 0 0 rg BT 212.08 593.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 248.20 593.75 Td (trading, ) Tj ET Q q 0 0 0 rg BT 284.33 593.75 Td (lending ) Tj ET Q q 0 0 0 rg BT 319.36 593.75 Td (and ) Tj ET Q q 0 0 0 rg BT 338.83 593.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 389.96 593.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 427.77 593.75 Td (activities. ) Tj ET Q q 0 0 0 rg BT 471.67 593.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 570.16552734375 m 197.01953125 570.16552734375 l s q 0 0 0 rg BT 72.00 571.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.11 571.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 129.79 571.75 Td (Financing ) Tj ET Q q 0 0 0 rg BT 179.79 571.75 Td (Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 556.75 Td (BHFI ) Tj ET Q q 0 0 0 rg BT 97.56 556.75 Td (is ) Tj ET Q q 0 0 0 rg BT 107.56 556.75 Td (a ) Tj ET Q q 0 0 0 rg BT 115.90 556.75 Td (direct ) Tj ET Q q 0 0 0 rg BT 143.13 556.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 190.93 556.75 Td (of ) Tj ET Q q 0 0 0 rg BT 202.04 556.75 Td (BFC. ) Tj ET Q q 0 0 0 rg BT 227.60 556.75 Td ( ) Tj ET Q q 0 0 0 rg BT 230.38 556.75 Td (BHFI ) Tj ET Q q 0 0 0 rg BT 255.94 556.75 Td (books ) Tj ET Q q 0 0 0 rg BT 285.40 556.75 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 341.52 556.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 380.43 556.75 Td (and ) Tj ET Q q 0 0 0 rg BT 399.90 556.75 Td (I&CB ) Tj ET Q q 0 0 0 rg BT 426.01 556.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 448.24 556.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 493.26 556.75 Td (loans. ) Tj ET Q q 0 0 0 rg BT 522.73 556.75 Td ( ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I6 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 534.75 Td (1.1.3 ) Tj ET Q q 0 0 0 rg BT 97.02 534.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 534.75 Td (Core ) Tj ET Q q 0 0 0 rg BT 125.36 534.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 172.60 534.75 Td (Lines) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.72 534.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 512.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.21 512.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 124.08 512.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 147.63 512.75 Td (defines ) Tj ET Q q 0 0 0 rg BT 182.84 512.75 Td (Core ) Tj ET Q q 0 0 0 rg BT 207.49 512.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 251.04 512.75 Td (Lines) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 274.95 512.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.92 512.75 Td (as ) Tj ET Q q 0 0 0 rg BT 291.46 512.75 Td (those ) Tj ET Q q 0 0 0 rg BT 322.22 512.75 Td (business ) Tj ET Q q 0 0 0 rg BT 364.67 512.75 Td (lines ) Tj ET Q q 0 0 0 rg BT 388.21 512.75 Td (of ) Tj ET Q q 0 0 0 rg BT 399.52 512.75 Td (the ) Tj ET Q q 0 0 0 rg BT 416.39 512.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 454.94 512.75 Td (company) Tj ET Q q 0 0 0 rg BT 494.78 512.75 Td (, ) Tj ET Q q 0 0 0 rg BT 500.53 512.75 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 500.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 121.63 500.75 Td (operations, ) Tj ET Q q 0 0 0 rg BT 172.93 500.75 Td (services, ) Tj ET Q q 0 0 0 rg BT 214.21 500.75 Td (functions ) Tj ET Q q 0 0 0 rg BT 256.06 500.75 Td (and ) Tj ET Q q 0 0 0 rg BT 274.57 500.75 Td (support, ) Tj ET Q q 0 0 0 rg BT 312.53 500.75 Td (that, ) Tj ET Q q 0 0 0 rg BT 333.81 500.75 Td (in ) Tj ET Q q 0 0 0 rg BT 343.42 500.75 Td (the ) Tj ET Q q 0 0 0 rg BT 359.15 500.75 Td (view ) Tj ET Q q 0 0 0 rg BT 380.97 500.75 Td (of ) Tj ET Q q 0 0 0 rg BT 391.14 500.75 Td (the ) Tj ET Q q 0 0 0 rg BT 406.87 500.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 444.27 500.75 Td (company) Tj ET Q q 0 0 0 rg BT 484.10 500.75 Td (, ) Tj ET Q q 0 0 0 rg BT 488.70 500.75 Td (upon ) Tj ET Q q 0 0 0 rg BT 512.77 500.75 Td (failure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 488.75 Td (would ) Tj ET Q q 0 0 0 rg BT 100.91 488.75 Td (result ) Tj ET Q q 0 0 0 rg BT 128.14 488.75 Td (in ) Tj ET Q q 0 0 0 rg BT 138.70 488.75 Td (a ) Tj ET Q q 0 0 0 rg BT 147.04 488.75 Td (material ) Tj ET Q q 0 0 0 rg BT 185.38 488.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 205.95 488.75 Td (of ) Tj ET Q q 0 0 0 rg BT 217.06 488.75 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 258.76 488.75 Td (profit, ) Tj ET Q q 0 0 0 rg BT 286.55 488.75 Td (or ) Tj ET Q q 0 0 0 rg BT 298.22 488.75 Td (franchise ) Tj ET Q q 0 0 0 rg BT 341.57 488.75 Td (value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 466.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.32 466.75 Td (has ) Tj ET Q q 0 0 0 rg BT 115.98 466.75 Td (identified ) Tj ET Q q 0 0 0 rg BT 158.55 466.75 Td (five ) Tj ET Q q 0 0 0 rg BT 176.66 466.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 203.65 466.75 Td (based ) Tj ET Q q 0 0 0 rg BT 233.44 466.75 Td (on ) Tj ET Q q 0 0 0 rg BT 247.10 466.75 Td (the ) Tj ET Q q 0 0 0 rg BT 263.54 466.75 Td (criteria ) Tj ET Q q 0 0 0 rg BT 296.09 466.75 Td (of ) Tj ET Q q 0 0 0 rg BT 306.97 466.75 Td (the ) Tj ET Q q 0 0 0 rg BT 323.41 466.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 354.86 466.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 377.97 466.75 Td (that ) Tj ET Q q 0 0 0 rg BT 397.19 466.75 Td (fall ) Tj ET Q q 0 0 0 rg BT 412.51 466.75 Td (within ) Tj ET Q q 0 0 0 rg BT 440.62 466.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 465.44 466.75 Td (s ) Tj ET Q q 0 0 0 rg BT 472.98 466.75 Td (three ) Tj ET Q q 0 0 0 rg BT 498.31 466.75 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 454.75 Td (groups. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 432.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 94.27 432.75 Td (P&C ) Tj ET Q q 0 0 0 rg BT 117.66 432.75 Td (is ) Tj ET Q q 0 0 0 rg BT 127.71 432.75 Td (a ) Tj ET Q q 0 0 0 rg BT 136.10 432.75 Td (multi-channel ) Tj ET Q q 0 0 0 rg BT 198.39 432.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 242.92 432.75 Td (group ) Tj ET Q q 0 0 0 rg BT 271.32 432.75 Td (that ) Tj ET Q q 0 0 0 rg BT 290.83 432.75 Td (of) Tj ET Q q 0 0 0 rg BT 298.99 432.75 Td (fers ) Tj ET Q q 0 0 0 rg BT 318.48 432.75 Td (a ) Tj ET Q q 0 0 0 rg BT 326.87 432.75 Td (full ) Tj ET Q q 0 0 0 rg BT 342.48 432.75 Td (range ) Tj ET Q q 0 0 0 rg BT 370.88 432.75 Td (of ) Tj ET Q q 0 0 0 rg BT 382.04 432.75 Td (client ) Tj ET Q q 0 0 0 rg BT 408.21 432.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 446.07 432.75 Td (solutions. ) Tj ET Q q 0 0 0 rg BT 491.14 432.75 Td ( ) Tj ET Q q 0 0 0 rg BT 493.78 432.75 Td (T) Tj ET Q q 0 0 0 rg BT 499.34 432.75 Td (wo ) Tj ET Q q 0 0 0 rg BT 514.95 432.75 Td (of ) Tj ET Q q 0 0 0 rg BT 526.11 432.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 420.75 Td (five ) Tj ET Q q 0 0 0 rg BT 90.34 420.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 117.57 420.75 Td (reside ) Tj ET Q q 0 0 0 rg BT 147.59 420.75 Td (within ) Tj ET Q q 0 0 0 rg BT 175.93 420.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 198.16 420.75 Td (P&C. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 398.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 398.75 Td (Personal ) Tj ET Q q 0 0 0 rg BT 150.06 398.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 188.79 398.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 220.83 398.75 Td (retail ) Tj ET Q q 0 0 0 rg BT 245.09 398.75 Td (and ) Tj ET Q q 0 0 0 rg BT 264.37 398.75 Td (small ) Tj ET Q q 0 0 0 rg BT 290.29 398.75 Td (to ) Tj ET Q q 0 0 0 rg BT 301.22 398.75 Td (mid-sized ) Tj ET Q q 0 0 0 rg BT 346.60 398.75 Td (business ) Tj ET Q q 0 0 0 rg BT 388.66 398.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 426.28 398.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 474.99 398.75 Td (with ) Tj ET Q q 0 0 0 rg BT 495.36 398.75 Td (a ) Tj ET Q q 0 0 0 rg BT 503.51 398.75 Td (full ) Tj ET Q q 0 0 0 rg BT 518.89 398.75 Td (suite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 386.75 Td (of ) Tj ET Q q 0 0 0 rg BT 119.12 386.75 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 156.92 386.75 Td (lending, ) Tj ET Q q 0 0 0 rg BT 194.73 386.75 Td (and ) Tj ET Q q 0 0 0 rg BT 214.19 386.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 241.42 386.75 Td (card ) Tj ET Q q 0 0 0 rg BT 263.65 386.75 Td (products.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 371.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 371.75 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 165.94 371.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 206.67 371.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 240.72 371.75 Td (larger ) Tj ET Q q 0 0 0 rg BT 270.88 371.75 Td (business ) Tj ET Q q 0 0 0 rg BT 314.95 371.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 347.89 371.75 Td (with ) Tj ET Q q 0 0 0 rg BT 370.27 371.75 Td (more ) Tj ET Q q 0 0 0 rg BT 397.65 371.75 Td (complex ) Tj ET Q q 0 0 0 rg BT 439.48 371.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 479.11 371.75 Td (needs. ) Tj ET Q q 0 0 0 rg BT 513.73 371.75 Td ( ) Tj ET Q q 0 0 0 rg BT 518.33 371.75 Td (Core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 359.75 Td (products ) Tj ET Q q 0 0 0 rg BT 152.81 359.75 Td (and ) Tj ET Q q 0 0 0 rg BT 175.95 359.75 Td (services ) Tj ET Q q 0 0 0 rg BT 219.08 359.75 Td (include ) Tj ET Q q 0 0 0 rg BT 257.23 359.75 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 303.71 359.75 Td (business ) Tj ET Q q 0 0 0 rg BT 349.64 359.75 Td (lending, ) Tj ET Q q 0 0 0 rg BT 391.12 359.75 Td (treasury ) Tj ET Q q 0 0 0 rg BT 433.70 359.75 Td (management, ) Tj ET Q q 0 0 0 rg BT 501.31 359.75 Td (and ) Tj ET Q q 0 0 0 rg BT 524.45 359.75 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 347.75 Td (management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 325.75 Td (W) Tj ET Q q 0 0 0 rg BT 81.26 325.75 Td (ealth ) Tj ET Q q 0 0 0 rg BT 105.73 325.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 166.89 325.75 Td (is ) Tj ET Q q 0 0 0 rg BT 176.90 325.75 Td (an ) Tj ET Q q 0 0 0 rg BT 190.81 325.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 235.30 325.75 Td (group ) Tj ET Q q 0 0 0 rg BT 263.67 325.75 Td (that ) Tj ET Q q 0 0 0 rg BT 283.13 325.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 315.38 325.75 Td (a ) Tj ET Q q 0 0 0 rg BT 323.73 325.75 Td (full ) Tj ET Q q 0 0 0 rg BT 339.30 325.75 Td (range ) Tj ET Q q 0 0 0 rg BT 367.67 325.75 Td (of ) Tj ET Q q 0 0 0 rg BT 378.79 325.75 Td (client ) Tj ET Q q 0 0 0 rg BT 404.93 325.75 Td (segments, ) Tj ET Q q 0 0 0 rg BT 453.85 325.75 Td (from ) Tj ET Q q 0 0 0 rg BT 476.64 325.75 Td (mainstream ) Tj ET Q q 0 0 0 rg BT 531.66 325.75 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 313.75 Td (ultra-high ) Tj ET Q q 0 0 0 rg BT 116.79 313.75 Td (net ) Tj ET Q q 0 0 0 rg BT 133.80 313.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 161.36 313.75 Td (and ) Tj ET Q q 0 0 0 rg BT 181.15 313.75 Td (institutional, ) Tj ET Q q 0 0 0 rg BT 237.06 313.75 Td (with ) Tj ET Q q 0 0 0 rg BT 257.95 313.75 Td (a ) Tj ET Q q 0 0 0 rg BT 266.62 313.75 Td (broad ) Tj ET Q q 0 0 0 rg BT 295.30 313.75 Td (of) Tj ET Q q 0 0 0 rg BT 303.46 313.75 Td (fering ) Tj ET Q q 0 0 0 rg BT 331.58 313.75 Td (of ) Tj ET Q q 0 0 0 rg BT 343.03 313.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 375.04 313.75 Td (management ) Tj ET Q q 0 0 0 rg BT 436.51 313.75 Td (products ) Tj ET Q q 0 0 0 rg BT 477.97 313.75 Td (and ) Tj ET Q q 0 0 0 rg BT 497.76 313.75 Td (solutions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 301.75 Td (Among ) Tj ET Q q 0 0 0 rg BT 106.46 301.75 Td (its ) Tj ET Q q 0 0 0 rg BT 119.24 301.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 141.47 301.75 Td (activities, ) Tj ET Q q 0 0 0 rg BT 185.37 301.75 Td (one ) Tj ET Q q 0 0 0 rg BT 204.83 301.75 Td (has ) Tj ET Q q 0 0 0 rg BT 223.73 301.75 Td (been ) Tj ET Q q 0 0 0 rg BT 248.76 301.75 Td (identified ) Tj ET Q q 0 0 0 rg BT 291.57 301.75 Td (as ) Tj ET Q q 0 0 0 rg BT 304.91 301.75 Td (a ) Tj ET Q q 0 0 0 rg BT 313.25 301.75 Td (CBL.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 279.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 279.75 Td (Private ) Tj ET Q q 0 0 0 rg BT 142.95 279.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 169.57 279.75 Td (of) Tj ET Q q 0 0 0 rg BT 177.73 279.75 Td (fers ) Tj ET Q q 0 0 0 rg BT 198.23 279.75 Td (a ) Tj ET Q q 0 0 0 rg BT 207.62 279.75 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 279.25 279.75 Td (range ) Tj ET Q q 0 0 0 rg BT 308.66 279.75 Td (of ) Tj ET Q q 0 0 0 rg BT 320.83 279.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 361.34 279.75 Td (services ) Tj ET Q q 0 0 0 rg BT 401.84 279.75 Td (and ) Tj ET Q q 0 0 0 rg BT 422.36 279.75 Td (solutions, ) Tj ET Q q 0 0 0 rg BT 468.43 279.75 Td (delivered ) Tj ET Q q 0 0 0 rg BT 512.84 279.75 Td (with ) Tj ET Q q 0 0 0 rg BT 534.45 279.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 267.75 Td (planning ) Tj ET Q q 0 0 0 rg BT 147.28 267.75 Td (and ) Tj ET Q q 0 0 0 rg BT 165.44 267.75 Td (advice-based ) Tj ET Q q 0 0 0 rg BT 226.39 267.75 Td (value ) Tj ET Q q 0 0 0 rg BT 251.77 267.75 Td (proposition ) Tj ET Q q 0 0 0 rg BT 302.17 267.75 Td (to ) Tj ET Q q 0 0 0 rg BT 311.98 267.75 Td (high ) Tj ET Q q 0 0 0 rg BT 332.35 267.75 Td (net ) Tj ET Q q 0 0 0 rg BT 347.73 267.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 373.65 267.75 Td (and ) Tj ET Q q 0 0 0 rg BT 391.81 267.75 Td (ultra-high ) Tj ET Q q 0 0 0 rg BT 434.97 267.75 Td (net ) Tj ET Q q 0 0 0 rg BT 450.34 267.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 476.27 267.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 506.08 267.75 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 255.75 Td (our ) Tj ET Q q 0 0 0 rg BT 125.99 255.75 Td (trust, ) Tj ET Q q 0 0 0 rg BT 151.76 255.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 203.65 255.75 Td (and ) Tj ET Q q 0 0 0 rg BT 223.88 255.75 Td (traditional ) Tj ET Q q 0 0 0 rg BT 270.78 255.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 309.34 255.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 352.34 255.75 Td ( ) Tj ET Q q 0 0 0 rg BT 355.88 255.75 Td (In ) Tj ET Q q 0 0 0 rg BT 367.76 255.75 Td (addition ) Tj ET Q q 0 0 0 rg BT 406.33 255.75 Td (to ) Tj ET Q q 0 0 0 rg BT 418.20 255.75 Td (the ) Tj ET Q q 0 0 0 rg BT 435.65 255.75 Td (traditional ) Tj ET Q q 0 0 0 rg BT 482.54 255.75 Td (Private ) Tj ET Q q 0 0 0 rg BT 517.21 255.75 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 243.75 Td (under ) Tj ET Q q 0 0 0 rg BT 137.32 243.75 Td (the ) Tj ET Q q 0 0 0 rg BT 154.96 243.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 178.15 243.75 Td (Personal ) Tj ET Q q 0 0 0 rg BT 221.35 243.75 Td (W) Tj ET Q q 0 0 0 rg BT 230.61 243.75 Td (ealth ) Tj ET Q q 0 0 0 rg BT 256.04 243.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 318.15 243.75 Td (structure, ) Tj ET Q q 0 0 0 rg BT 363.57 243.75 Td (high ) Tj ET Q q 0 0 0 rg BT 386.21 243.75 Td (net ) Tj ET Q q 0 0 0 rg BT 403.85 243.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 432.05 243.75 Td (and ) Tj ET Q q 0 0 0 rg BT 452.47 243.75 Td (ultra-high ) Tj ET Q q 0 0 0 rg BT 497.90 243.75 Td (net ) Tj ET Q q 0 0 0 rg BT 515.54 243.75 Td (worth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 231.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 138.31 231.75 Td (are ) Tj ET Q q 0 0 0 rg BT 154.72 231.75 Td (served ) Tj ET Q q 0 0 0 rg BT 186.70 231.75 Td (through ) Tj ET Q q 0 0 0 rg BT 222.58 231.75 Td (our ) Tj ET Q q 0 0 0 rg BT 239.00 231.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 289.31 231.75 Td (advisory) Tj ET Q q 0 0 0 rg BT 325.81 231.75 Td (, ) Tj ET Q q 0 0 0 rg BT 330.55 231.75 Td (family ) Tj ET Q q 0 0 0 rg BT 358.63 231.75 Td (of) Tj ET Q q 0 0 0 rg BT 366.78 231.75 Td (fice ) Tj ET Q q 0 0 0 rg BT 384.31 231.75 Td (and ) Tj ET Q q 0 0 0 rg BT 402.96 231.75 Td (specialized ) Tj ET Q q 0 0 0 rg BT 454.39 231.75 Td (trust ) Tj ET Q q 0 0 0 rg BT 475.80 231.75 Td (services ) Tj ET Q q 0 0 0 rg BT 514.44 231.75 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 219.75 Td (are ) Tj ET Q q 0 0 0 rg BT 125.23 219.75 Td (housed ) Tj ET Q q 0 0 0 rg BT 160.82 219.75 Td (in ) Tj ET Q q 0 0 0 rg BT 171.38 219.75 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 215.86 219.75 Td (af) Tj ET Q q 0 0 0 rg BT 224.02 219.75 Td (filiate ) Tj ET Q q 0 0 0 rg BT 250.14 219.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 274.04 219.75 Td (entities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 197.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.97 197.75 Td (CM ) Tj ET Q q 0 0 0 rg BT 114.70 197.75 Td (is ) Tj ET Q q 0 0 0 rg BT 124.11 197.75 Td (an ) Tj ET Q q 0 0 0 rg BT 137.42 197.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 181.31 197.75 Td (group ) Tj ET Q q 0 0 0 rg BT 209.07 197.75 Td (that ) Tj ET Q q 0 0 0 rg BT 227.94 197.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 267.92 197.75 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 315.14 197.75 Td (institutional ) Tj ET Q q 0 0 0 rg BT 367.35 197.75 Td (and ) Tj ET Q q 0 0 0 rg BT 386.22 197.75 Td (government ) Tj ET Q q 0 0 0 rg BT 441.22 197.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 471.75 197.75 Td (with ) Tj ET Q q 0 0 0 rg BT 491.72 197.75 Td (a ) Tj ET Q q 0 0 0 rg BT 499.47 197.75 Td (full ) Tj ET Q q 0 0 0 rg BT 514.44 197.75 Td (range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 185.75 Td (of ) Tj ET Q q 0 0 0 rg BT 81.89 185.75 Td (products ) Tj ET Q q 0 0 0 rg BT 121.80 185.75 Td (and ) Tj ET Q q 0 0 0 rg BT 140.03 185.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 180.93 185.75 Td (These ) Tj ET Q q 0 0 0 rg BT 210.28 185.75 Td (include ) Tj ET Q q 0 0 0 rg BT 243.52 185.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 271.75 185.75 Td (and ) Tj ET Q q 0 0 0 rg BT 289.99 185.75 Td (debt ) Tj ET Q q 0 0 0 rg BT 311.00 185.75 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 369.80 185.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 413.60 185.75 Td (lending ) Tj ET Q q 0 0 0 rg BT 447.40 185.75 Td (and ) Tj ET Q q 0 0 0 rg BT 465.64 185.75 Td (project ) Tj ET Q q 0 0 0 rg BT 497.20 185.75 Td (financing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 173.75 Td (mergers ) Tj ET Q q 0 0 0 rg BT 110.68 173.75 Td (and ) Tj ET Q q 0 0 0 rg BT 129.37 173.75 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 183.62 173.75 Td (advisory ) Tj ET Q q 0 0 0 rg BT 222.86 173.75 Td (services, ) Tj ET Q q 0 0 0 rg BT 264.32 173.75 Td (securitization, ) Tj ET Q q 0 0 0 rg BT 327.46 173.75 Td (treasury ) Tj ET Q q 0 0 0 rg BT 365.59 173.75 Td (management, ) Tj ET Q q 0 0 0 rg BT 428.74 173.75 Td (market ) Tj ET Q q 0 0 0 rg BT 461.30 173.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 478.86 173.75 Td (management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 161.75 Td (debt ) Tj ET Q q 0 0 0 rg BT 95.54 161.75 Td (and ) Tj ET Q q 0 0 0 rg BT 116.30 161.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 147.06 161.75 Td (research ) Tj ET Q q 0 0 0 rg BT 190.04 161.75 Td (and ) Tj ET Q q 0 0 0 rg BT 210.81 161.75 Td (institutional ) Tj ET Q q 0 0 0 rg BT 264.91 161.75 Td (sales ) Tj ET Q q 0 0 0 rg BT 292.33 161.75 Td (and ) Tj ET Q q 0 0 0 rg BT 313.09 161.75 Td (trading. ) Tj ET Q q 0 0 0 rg BT 350.53 161.75 Td ( ) Tj ET Q q 0 0 0 rg BT 353.79 161.75 Td (Among ) Tj ET Q q 0 0 0 rg BT 389.55 161.75 Td (its ) Tj ET Q q 0 0 0 rg BT 403.63 161.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 427.16 161.75 Td (activities, ) Tj ET Q q 0 0 0 rg BT 472.36 161.75 Td (two ) Tj ET Q q 0 0 0 rg BT 491.99 161.75 Td (have ) Tj ET Q q 0 0 0 rg BT 517.75 161.75 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 149.75 Td (identified ) Tj ET Q q 0 0 0 rg BT 114.81 149.75 Td (as ) Tj ET Q q 0 0 0 rg BT 128.15 149.75 Td (CBLs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 127.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 127.75 Td (Investment ) Tj ET Q q 0 0 0 rg BT 158.85 127.75 Td (and ) Tj ET Q q 0 0 0 rg BT 177.47 127.75 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 223.87 127.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 261.95 127.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 283.33 127.75 Td (\(I&CB ) Tj ET Q q 0 0 0 rg BT 311.94 127.75 Td (U.S.\) ) Tj ET Q q 0 0 0 rg BT 336.65 127.75 Td (is ) Tj ET Q q 0 0 0 rg BT 345.81 127.75 Td (the ) Tj ET Q q 0 0 0 rg BT 361.65 127.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 383.03 127.75 Td (division ) Tj ET Q q 0 0 0 rg BT 418.31 127.75 Td (of ) Tj ET Q q 0 0 0 rg BT 428.59 127.75 Td (the ) Tj ET Q q 0 0 0 rg BT 444.43 127.75 Td (Global ) Tj ET Q q 0 0 0 rg BT 475.27 127.75 Td (I&CB ) Tj ET Q q 0 0 0 rg BT 500.55 127.75 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 115.75 Td (of ) Tj ET Q q 0 0 0 rg BT 118.11 115.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 142.65 115.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 175.55 115.75 Td (Markets. ) Tj ET Q q 0 0 0 rg BT 215.66 115.75 Td (I&CB ) Tj ET Q q 0 0 0 rg BT 240.76 115.75 Td (is ) Tj ET Q q 0 0 0 rg BT 249.75 115.75 Td (comprised ) Tj ET Q q 0 0 0 rg BT 297.65 115.75 Td (of ) Tj ET Q q 0 0 0 rg BT 307.76 115.75 Td (two ) Tj ET Q q 0 0 0 rg BT 325.08 115.75 Td (complementary ) Tj ET Q q 0 0 0 rg BT 395.21 115.75 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 449.79 115.75 Td ( ) Tj ET Q q 0 0 0 rg BT 451.44 115.75 Td (The ) Tj ET Q q 0 0 0 rg BT 470.44 115.75 Td (first, ) Tj ET Q q 0 0 0 rg BT 491.09 115.75 Td (Investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 103.75 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 150.94 103.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 192.77 103.75 Td (advisory ) Tj ET Q q 0 0 0 rg BT 234.03 103.75 Td (and ) Tj ET Q q 0 0 0 rg BT 254.74 103.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 287.67 103.75 Td (raising ) Tj ET Q q 0 0 0 rg BT 321.16 103.75 Td (to ) Tj ET Q q 0 0 0 rg BT 333.52 103.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 379.80 103.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 412.17 103.75 Td (through ) Tj ET Q q 0 0 0 rg BT 450.11 103.75 Td (a ) Tj ET Q q 0 0 0 rg BT 459.70 103.75 Td (combination ) Tj ET Q q 0 0 0 rg BT 517.64 103.75 Td (of ) Tj ET Q q 0 0 0 rg BT 530.01 103.75 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 91.75 Td (Industry ) Tj ET Q q 0 0 0 rg BT 145.61 91.75 Td (Coverage ) Tj ET Q q 0 0 0 rg BT 191.01 91.75 Td (teams ) Tj ET Q q 0 0 0 rg BT 220.29 91.75 Td (and ) Tj ET Q q 0 0 0 rg BT 239.01 91.75 Td (its ) Tj ET Q q 0 0 0 rg BT 251.05 91.75 Td (Product ) Tj ET Q q 0 0 0 rg BT 287.56 91.75 Td (Groups. ) Tj ET Q q 0 0 0 rg BT 325.17 91.75 Td ( ) Tj ET Q q 0 0 0 rg BT 327.08 91.75 Td (The ) Tj ET Q q 0 0 0 rg BT 346.35 91.75 Td (second, ) Tj ET Q q 0 0 0 rg BT 383.42 91.75 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 429.93 91.75 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 470.89 91.75 Td (of) Tj ET Q q 0 0 0 rg BT 479.04 91.75 Td (fers ) Tj ET Q q 0 0 0 rg BT 497.76 91.75 Td (corporate ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.60 60.25 Td ( p7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 712.75 Td (lending ) Tj ET Q q 0 0 0 rg BT 143.64 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 163.71 712.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 188.22 712.75 Td (management ) Tj ET Q q 0 0 0 rg BT 249.98 712.75 Td (services ) Tj ET Q q 0 0 0 rg BT 290.05 712.75 Td (through ) Tj ET Q q 0 0 0 rg BT 327.35 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 344.64 712.75 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 392.50 712.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 432.02 712.75 Td (group ) Tj ET Q q 0 0 0 rg BT 460.99 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 480.84 712.75 Td (T) Tj ET Q q 0 0 0 rg BT 486.58 712.75 Td (reasury ) Tj ET Q q 0 0 0 rg BT 523.31 712.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 700.75 Td (Payment ) Tj ET Q q 0 0 0 rg BT 150.24 700.75 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 194.16 700.75 Td (\(T&PS, ) Tj ET Q q 0 0 0 rg BT 229.16 700.75 Td (formerly ) Tj ET Q q 0 0 0 rg BT 268.05 700.75 Td (Global ) Tj ET Q q 0 0 0 rg BT 299.56 700.75 Td (T) Tj ET Q q 0 0 0 rg BT 305.29 700.75 Td (reasury ) Tj ET Q q 0 0 0 rg BT 341.42 700.75 Td (Management\), ) Tj ET Q q 0 0 0 rg BT 408.67 700.75 Td (respectively) Tj ET Q q 0 0 0 rg BT 460.73 700.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 685.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 685.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 151.58 685.75 Td (Products ) Tj ET Q q 0 0 0 rg BT 194.59 685.75 Td (and ) Tj ET Q q 0 0 0 rg BT 214.83 685.75 Td (Debt ) Tj ET Q q 0 0 0 rg BT 239.51 685.75 Td (Products ) Tj ET Q q 0 0 0 rg BT 282.53 685.75 Td (\(FPDP\) ) Tj ET Q q 0 0 0 rg BT 319.42 685.75 Td (are ) Tj ET Q q 0 0 0 rg BT 337.43 685.75 Td (the ) Tj ET Q q 0 0 0 rg BT 354.88 685.75 Td (two ) Tj ET Q q 0 0 0 rg BT 374.00 685.75 Td (primary ) Tj ET Q q 0 0 0 rg BT 410.89 685.75 Td (product ) Tj ET Q q 0 0 0 rg BT 447.80 685.75 Td (lines ) Tj ET Q q 0 0 0 rg BT 471.92 685.75 Td (of) Tj ET Q q 0 0 0 rg BT 480.08 685.75 Td (fered ) Tj ET Q q 0 0 0 rg BT 506.43 685.75 Td (by ) Tj ET Q q 0 0 0 rg BT 520.55 685.75 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 673.75 Td (T) Tj ET Q q 0 0 0 rg BT 113.74 673.75 Td (rading ) Tj ET Q q 0 0 0 rg BT 145.19 673.75 Td (Products. ) Tj ET Q q 0 0 0 rg BT 191.08 673.75 Td (FPDP) Tj ET Q q 0 0 0 rg BT 217.57 673.75 Td ( ) Tj ET Q q 0 0 0 rg BT 221.22 673.75 Td (increases ) Tj ET Q q 0 0 0 rg BT 267.67 673.75 Td (the ) Tj ET Q q 0 0 0 rg BT 285.22 673.75 Td (ef) Tj ET Q q 0 0 0 rg BT 293.38 673.75 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 330.38 673.75 Td (and ) Tj ET Q q 0 0 0 rg BT 350.72 673.75 Td (ef) Tj ET Q q 0 0 0 rg BT 358.88 673.75 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 412.55 673.75 Td (of ) Tj ET Q q 0 0 0 rg BT 424.54 673.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 452.65 673.75 Td (and ) Tj ET Q q 0 0 0 rg BT 472.98 673.75 Td (rates ) Tj ET Q q 0 0 0 rg BT 498.87 673.75 Td (coverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 661.75 Td (through ) Tj ET Q q 0 0 0 rg BT 145.49 661.75 Td (a ) Tj ET Q q 0 0 0 rg BT 154.62 661.75 Td (combined ) Tj ET Q q 0 0 0 rg BT 201.56 661.75 Td (FPDP) Tj ET Q q 0 0 0 rg BT 228.05 661.75 Td ( ) Tj ET Q q 0 0 0 rg BT 231.62 661.75 Td (platform ) Tj ET Q q 0 0 0 rg BT 271.32 661.75 Td (designed ) Tj ET Q q 0 0 0 rg BT 315.48 661.75 Td (to ) Tj ET Q q 0 0 0 rg BT 327.39 661.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 353.20 661.75 Td (the ) Tj ET Q q 0 0 0 rg BT 370.67 661.75 Td (needs ) Tj ET Q q 0 0 0 rg BT 401.49 661.75 Td (of ) Tj ET Q q 0 0 0 rg BT 413.40 661.75 Td (the ) Tj ET Q q 0 0 0 rg BT 430.88 661.75 Td (core ) Tj ET Q q 0 0 0 rg BT 453.91 661.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 500.29 661.75 Td (and ) Tj ET Q q 0 0 0 rg BT 520.55 661.75 Td (U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 649.75 Td (Dollar ) Tj ET Q q 0 0 0 rg BT 137.10 649.75 Td (issuers, ) Tj ET Q q 0 0 0 rg BT 174.54 649.75 Td (as ) Tj ET Q q 0 0 0 rg BT 188.09 649.75 Td (well ) Tj ET Q q 0 0 0 rg BT 208.30 649.75 Td (as ) Tj ET Q q 0 0 0 rg BT 221.84 649.75 Td (a ) Tj ET Q q 0 0 0 rg BT 230.39 649.75 Td (broad ) Tj ET Q q 0 0 0 rg BT 258.95 649.75 Td (base ) Tj ET Q q 0 0 0 rg BT 283.62 649.75 Td (of ) Tj ET Q q 0 0 0 rg BT 294.94 649.75 Td (North ) Tj ET Q q 0 0 0 rg BT 321.79 649.75 Td (American ) Tj ET Q q 0 0 0 rg BT 367.01 649.75 Td (and ) Tj ET Q q 0 0 0 rg BT 386.68 649.75 Td (select ) Tj ET Q q 0 0 0 rg BT 415.78 649.75 Td (global ) Tj ET Q q 0 0 0 rg BT 445.46 649.75 Td (investors. ) Tj ET Q q 0 0 0 rg BT 491.24 649.75 Td (It ) Tj ET Q q 0 0 0 rg BT 499.78 649.75 Td (strives ) Tj ET Q q 0 0 0 rg BT 531.65 649.75 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 637.75 Td (maintain ) Tj ET Q q 0 0 0 rg BT 147.72 637.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 172.54 637.75 Td (s ) Tj ET Q q 0 0 0 rg BT 179.46 637.75 Td (name ) Tj ET Q q 0 0 0 rg BT 206.40 637.75 Td (in ) Tj ET Q q 0 0 0 rg BT 216.10 637.75 Td (the ) Tj ET Q q 0 0 0 rg BT 231.93 637.75 Td (markets ) Tj ET Q q 0 0 0 rg BT 269.41 637.75 Td (that ) Tj ET Q q 0 0 0 rg BT 288.01 637.75 Td (it ) Tj ET Q q 0 0 0 rg BT 294.94 637.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 326.31 637.75 Td (and ) Tj ET Q q 0 0 0 rg BT 344.92 637.75 Td (to ) Tj ET Q q 0 0 0 rg BT 355.18 637.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 387.68 637.75 Td (a ) Tj ET Q q 0 0 0 rg BT 395.16 637.75 Td (well-diversified ) Tj ET Q q 0 0 0 rg BT 462.66 637.75 Td (and ) Tj ET Q q 0 0 0 rg BT 481.27 637.75 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 511.10 637.75 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 625.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 143.78 625.75 Td (capacity) Tj ET Q q 0 0 0 rg BT 179.72 625.75 Td (. ) Tj ET Q q 0 0 0 rg BT 185.47 625.75 Td ( ) Tj ET Q q 0 0 0 rg BT 188.44 625.75 Td (Clients ) Tj ET Q q 0 0 0 rg BT 221.98 625.75 Td (of ) Tj ET Q q 0 0 0 rg BT 233.30 625.75 Td (FPDP) Tj ET Q q 0 0 0 rg BT 259.78 625.75 Td ( ) Tj ET Q q 0 0 0 rg BT 262.76 625.75 Td (range ) Tj ET Q q 0 0 0 rg BT 291.31 625.75 Td (from ) Tj ET Q q 0 0 0 rg BT 314.28 625.75 Td (middle ) Tj ET Q q 0 0 0 rg BT 346.71 625.75 Td (market ) Tj ET Q q 0 0 0 rg BT 380.24 625.75 Td (to ) Tj ET Q q 0 0 0 rg BT 391.55 625.75 Td (large ) Tj ET Q q 0 0 0 rg BT 416.76 625.75 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 464.76 625.75 Td (government, ) Tj ET Q q 0 0 0 rg BT 523.32 625.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 613.75 Td (institutional ) Tj ET Q q 0 0 0 rg BT 160.81 613.75 Td (entities. ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I7 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 591.75 Td (1.1.4 ) Tj ET Q q 0 0 0 rg BT 97.02 591.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 591.75 Td (Summary ) Tj ET Q q 0 0 0 rg BT 148.15 591.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 194.28 591.75 Td (Information) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.27 591.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 569.75 Td (The ) Tj ET Q q 0 0 0 rg BT 90.77 569.75 Td (following ) Tj ET Q q 0 0 0 rg BT 131.22 569.75 Td (summary ) Tj ET Q q 0 0 0 rg BT 173.87 569.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 212.10 569.75 Td (information ) Tj ET Q q 0 0 0 rg BT 263.11 569.75 Td (for ) Tj ET Q q 0 0 0 rg BT 276.31 569.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 300.63 569.75 Td (was ) Tj ET Q q 0 0 0 rg BT 319.95 569.75 Td (prepared ) Tj ET Q q 0 0 0 rg BT 361.52 569.75 Td (in ) Tj ET Q q 0 0 0 rg BT 370.84 569.75 Td (accordance ) Tj ET Q q 0 0 0 rg BT 424.08 569.75 Td (with ) Tj ET Q q 0 0 0 rg BT 443.40 569.75 Td (International ) Tj ET Q q 0 0 0 rg BT 499.98 569.75 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 557.75 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 117.88 557.75 Td (Standards ) Tj ET Q q 0 0 0 rg BT 165.99 557.75 Td (\(IFRS\) ) Tj ET Q q 0 0 0 rg BT 197.95 557.75 Td (as ) Tj ET Q q 0 0 0 rg BT 211.03 557.75 Td (of ) Tj ET Q q 0 0 0 rg BT 221.90 557.75 Td (and ) Tj ET Q q 0 0 0 rg BT 241.10 557.75 Td (for ) Tj ET Q q 0 0 0 rg BT 255.29 557.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 280.11 557.75 Td (s ) Tj ET Q q 0 0 0 rg BT 287.63 557.75 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 312.94 557.75 Td (quarter ) Tj ET Q q 0 0 0 rg BT 347.15 557.75 Td (ended ) Tj ET Q q 0 0 0 rg BT 377.48 557.75 Td (January ) Tj ET Q q 0 0 0 rg BT 415.57 557.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 432.00 557.75 Td (2015. ) Tj ET Q q 0 0 0 rg BT 459.38 557.75 Td (This ) Tj ET Q q 0 0 0 rg BT 480.79 557.75 Td (information ) Tj ET Q q 0 0 0 rg BT 532.78 557.75 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 545.75 Td (taken ) Tj ET Q q 0 0 0 rg BT 98.23 545.75 Td (from ) Tj ET Q q 0 0 0 rg BT 120.01 545.75 Td (the ) Tj ET Q q 0 0 0 rg BT 135.68 545.75 Td (unaudited ) Tj ET Q q 0 0 0 rg BT 181.38 545.75 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 239.30 545.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 277.77 545.75 Td (statements ) Tj ET Q q 0 0 0 rg BT 328.45 545.75 Td (included ) Tj ET Q q 0 0 0 rg BT 367.47 545.75 Td (in ) Tj ET Q q 0 0 0 rg BT 377.03 545.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 401.84 545.75 Td (s ) Tj ET Q q 0 0 0 rg BT 408.62 545.75 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 449.29 545.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 487.75 545.75 Td (information.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 523.75 Td (1.1.4.1 ) Tj ET Q q 0 0 0 rg BT 105.36 523.75 Td ( ) Tj ET Q q 0 0 0 rg BT 108.14 523.75 Td (Balance ) Tj ET Q q 0 0 0 rg BT 149.27 523.75 Td (Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.50 523.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 501.75 Td (Figure 1.1.4.1 BMO Financial Group Balance Sheet) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 478.25 337.00 -13.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 409.50 478.25 131.00 -13.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 465.25 337.00 -13.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 409.50 465.25 131.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 491.25 m 72.5 478.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 491.25 m 100.5 491.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 478.25 m 100.5 478.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 491.25 m 409.5 491.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 478.25 m 409.5 478.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 491.25 m 540.5 478.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 491.25 m 540.5 491.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 478.25 m 540.5 478.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 478.25 m 72.5 465.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 478.25 m 540.5 465.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 465.25 m 72.5 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 465.25 m 540.5 452.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 452.25 m 72.5 442.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 452.25 m 540.5 442.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 442.25 m 72.5 427.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 427.25 m 100.5 427.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 427.25 m 409.5 427.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 442.25 m 540.5 427.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 427.25 m 540.5 427.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 427.25 m 72.5 417.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 427.25 m 540.5 417.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 417.25 m 72.5 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 417.25 m 540.5 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 404.25 m 72.5 391.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 404.25 m 540.5 391.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 391.25 m 72.5 378.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 391.25 m 540.5 378.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 378.25 m 72.5 365.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 378.25 m 540.5 365.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 365.25 m 72.5 352.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 365.25 m 540.5 352.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 352.25 m 72.5 339.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 352.25 m 540.5 339.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 339.25 m 72.5 326.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 339.25 m 540.5 326.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 326.25 m 72.5 313.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 326.25 m 540.5 313.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 313.25 m 72.5 300.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 313.25 m 540.5 300.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 300.25 m 72.5 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 287.25 m 100.5 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 287.25 m 409.5 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 300.25 m 540.5 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 287.25 m 540.5 287.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 287.25 m 72.5 274.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 287.25 m 540.5 274.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 274.25 m 72.5 261.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 274.25 m 540.5 261.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 261.25 m 72.5 248.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 261.25 m 540.5 248.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 248.25 m 72.5 235.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 248.25 m 100.5 248.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 235.25 m 100.5 235.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 248.25 m 409.5 248.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 235.25 m 409.5 235.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 248.25 m 540.5 235.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 248.25 m 540.5 248.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 235.25 m 540.5 235.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 235.25 m 72.5 222.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 235.25 m 540.5 222.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 222.25 m 72.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 222.25 m 540.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 209.25 m 72.5 196.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 209.25 m 540.5 196.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 196.25 m 72.5 183.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 196.25 m 540.5 183.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 183.25 m 72.5 170.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 183.25 m 540.5 170.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 170.25 m 72.5 157.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 170.25 m 540.5 157.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 157.25 m 72.5 144.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 157.25 m 100.5 157.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 144.25 m 100.5 144.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 157.25 m 409.5 157.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 144.25 m 409.5 144.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 157.25 m 540.5 144.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 157.25 m 540.5 157.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 144.25 m 540.5 144.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 144.25 m 72.5 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 144.25 m 540.5 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 134.25 m 72.5 121.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 134.25 m 100.5 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 134.25 m 409.5 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 134.25 m 540.5 121.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 134.25 m 540.5 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 121.25 m 72.5 108.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 121.25 m 540.5 108.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 108.25 m 72.5 95.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 108.25 m 540.5 95.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 95.25 m 72.5 82.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 95.25 m 540.5 82.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 82.25 m 72.5 81.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 82.25 m 100.5 82.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 81.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 82.25 m 409.5 82.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 81.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 82.25 m 540.5 81.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 82.25 m 540.5 82.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 81.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 81.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 81.75 m BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 481.47 Td (BMO Financial Group) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 75.00 468.47 Td (BALANCE SHEET) Tj ET Q BT /F2 10.00 Tf ET q 1 1 1 rg BT 514.75 468.47 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 1 1 1 rg BT 75.00 456.48 Td (\(C$ millions\)) Tj ET Q BT /F1 10.00 Tf ET q 1 1 1 rg BT 504.20 455.47 Td ( Q1) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 75.00 431.87 Td (As ) Tj ET Q q 0 0 0 rg BT 90.19 431.87 Td (At Balances) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 408.48 Td (Cash and Cash Equivalents) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 408.53 Td (44,162) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 395.48 Td (Interest Bearing Deposits with Banks) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 395.53 Td (6,597) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 382.48 Td (Securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 382.53 Td (151,372) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 369.48 Td (Securities borrowed or purchased under resale agreements) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 369.53 Td (66,086) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 356.48 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 343.48 Td (Residential mortgages) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 343.53 Td (102,073) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 330.48 Td (Non-residential mortgages ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 330.53 Td (11,094) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 317.48 Td (Consumer installment and other personal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 317.53 Td (65,301) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 304.48 Td (Credit cards) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 304.53 Td (7,924) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 291.48 Td (Businesses and governments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 291.53 Td (122,099) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 278.53 Td (308,491) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 265.48 Td (Customers' liability under acceptances ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 265.53 Td (10,986) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 252.48 Td (Allowance for credit losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 514.60 252.53 Td (\(1,847) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 252.48 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 239.48 Td (T) Tj ET Q q 0 0 0 rg BT 79.00 239.48 Td (otal net loans and acceptances ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 239.53 Td (317,630) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 226.48 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 213.48 Td (Derivative instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 213.53 Td (62,989) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 200.48 Td (Premises and equipment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 200.53 Td (2,274) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 187.48 Td (Goodwill) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 187.53 Td (5,900) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 174.48 Td (Intangible assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 174.53 Td (2,214) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 161.48 Td (Other ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 161.53 Td (13,126) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 148.48 Td (T) Tj ET Q q 0 0 0 rg BT 79.00 148.48 Td (otal ) Tj ET Q q 0 0 0 rg BT 93.68 148.48 Td (Assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 148.53 Td (672,410) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 125.48 Td (Deposits ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 112.48 Td (Banks) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 112.53 Td (24,310) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 99.48 Td (Businesses and governments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 99.53 Td (262,272) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 86.48 Td (Individuals) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 86.53 Td (143,196) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.60 60.25 Td ( p8 ) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 705.50 337.00 -13.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 409.50 705.50 131.00 -13.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 692.50 337.00 -13.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 409.50 692.50 131.00 -13.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 718.5 m 72.5 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 718.5 m 100.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 705.5 m 100.5 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 718.5 m 409.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 705.5 m 409.5 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 718.5 m 540.5 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 718.5 m 540.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 705.5 m 540.5 705.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 705.5 m 72.5 692.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 705.5 m 540.5 692.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 692.5 m 72.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 692.5 m 540.5 679.5 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 708.72 Td (BMO Financial Group) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 75.00 695.72 Td (BALANCE SHEET) Tj ET Q BT /F2 10.00 Tf ET q 1 1 1 rg BT 514.75 695.72 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 1 1 1 rg BT 75.00 683.73 Td (\(C$ millions\)) Tj ET Q BT /F1 10.00 Tf ET q 1 1 1 rg BT 504.20 682.72 Td ( Q1) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 680 m 72.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 680 m 540.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 679.5 m 72.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 679.5 m 100.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 666.5 m 100.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 679.5 m 409.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 666.5 m 409.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 679.5 m 540.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 679.5 m 540.5 679.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 666.5 m 540.5 666.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 666.5 m 72.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 666.5 m 540.5 653.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 653.5 m 72.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 653.5 m 540.5 640.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 640.5 m 72.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 640.5 m 540.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 627.5 m 72.5 614.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 627.5 m 540.5 614.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 614.5 m 72.5 601.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 614.5 m 540.5 601.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 601.5 m 72.5 588.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 601.5 m 540.5 588.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 588.5 m 72.5 575.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 588.5 m 540.5 575.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 575.5 m 72.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 575.5 m 540.5 562.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 562.5 m 72.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 562.5 m 540.5 549.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 549.5 m 72.5 536.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 549.5 m 540.5 536.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 536.5 m 72.5 523.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 536.5 m 540.5 523.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 523.5 m 72.5 510.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 523.5 m 540.5 510.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 510.5 m 72.5 497.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 510.5 m 540.5 497.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 497.5 m 72.5 484.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 484.5 m 100.5 484.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 484.5 m 409.5 484.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 497.5 m 540.5 484.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 484.5 m 540.5 484.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 484.5 m 72.5 471.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 484.5 m 540.5 471.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 471.5 m 72.5 458.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 471.5 m 540.5 458.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 458.5 m 72.5 445.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 458.5 m 100.5 458.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 445.5 m 100.5 445.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 458.5 m 409.5 458.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 100.5 445.5 m 409.5 445.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 458.5 m 540.5 445.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 458.5 m 540.5 458.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 445.5 m 540.5 445.5 l s BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 75.00 670.73 Td (T) Tj ET Q q 0 0 0 rg BT 79.00 670.73 Td (otal deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 670.78 Td (429,778) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 657.73 Td (Other liabilities ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 644.73 Td (Derivative instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 644.78 Td (63,701) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 631.73 Td (Acceptances) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 631.78 Td (10,986) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 618.73 Td (Securities sold but not yet purchased) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 618.78 Td (30,013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 605.73 Td (Securities lent or sold under repurchase agreements ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 605.78 Td (49,551) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 592.73 Td (Other ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 592.78 Td (45,702) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 579.73 Td (Subordinated debt) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 579.78 Td (4,964) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 566.73 Td (Capital trust securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 529.30 566.78 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 553.73 Td (Share capital) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 540.73 Td (Preferred shares) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 540.78 Td (3,040) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 103.00 527.73 Td (Common shares) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 527.78 Td (12,373) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 514.73 Td (Contributed surplus) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.95 514.78 Td (303) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 501.73 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 501.78 Td (17,489) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 488.73 Td (Accumulated other comprehensive income \(loss\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.25 488.78 Td (4,027) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 475.73 Td (T) Tj ET Q q 0 0 0 rg BT 79.00 475.73 Td (otal shareholder's equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.80 475.78 Td (37,232) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 462.73 Td (Non-controlling interest in subsidiaries) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.95 462.78 Td (483) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 449.73 Td (T) Tj ET Q q 0 0 0 rg BT 79.00 449.73 Td (otal Liabilities and Equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 508.35 449.78 Td (672,410) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 436.98 Td (Source: BMO Financial Group 2015 Q1 Financial Results, as restated) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I8 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 411.00 Td (1.1.4.2 ) Tj ET Q q 0 0 0 rg BT 105.36 411.00 Td ( ) Tj ET Q q 0 0 0 rg BT 108.14 411.00 Td (Major ) Tj ET Q q 0 0 0 rg BT 137.59 411.00 Td (Funding ) Tj ET Q q 0 0 0 rg BT 179.79 411.00 Td (Sources) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.26 411.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 396.28 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 389.00 Td (Managing ) Tj ET Q q 0 0 0 rg BT 118.21 389.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 153.86 389.00 Td (and ) Tj ET Q q 0 0 0 rg BT 172.83 389.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 207.93 389.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 225.78 389.00 Td (is ) Tj ET Q q 0 0 0 rg BT 235.29 389.00 Td (essential ) Tj ET Q q 0 0 0 rg BT 277.05 389.00 Td (to ) Tj ET Q q 0 0 0 rg BT 287.68 389.00 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 341.12 389.00 Td (the ) Tj ET Q q 0 0 0 rg BT 357.31 389.00 Td (safety ) Tj ET Q q 0 0 0 rg BT 386.28 389.00 Td (and ) Tj ET Q q 0 0 0 rg BT 405.26 389.00 Td (soundness ) Tj ET Q q 0 0 0 rg BT 455.92 389.00 Td (of ) Tj ET Q q 0 0 0 rg BT 466.56 389.00 Td (the ) Tj ET Q q 0 0 0 rg BT 482.75 389.00 Td (organization, ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 384.28 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 377.00 Td (depositor ) Tj ET Q q 0 0 0 rg BT 115.94 377.00 Td (confidence ) Tj ET Q q 0 0 0 rg BT 167.11 377.00 Td (and ) Tj ET Q q 0 0 0 rg BT 186.59 377.00 Td (stability ) Tj ET Q q 0 0 0 rg BT 222.74 377.00 Td (in ) Tj ET Q q 0 0 0 rg BT 233.32 377.00 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 280.03 377.00 Td (It ) Tj ET Q q 0 0 0 rg BT 288.39 377.00 Td (is ) Tj ET Q q 0 0 0 rg BT 298.41 377.00 Td (BMO) Tj ET Q q 0 0 0 rg BT 323.23 377.00 Td (s ) Tj ET Q q 0 0 0 rg BT 331.03 377.00 Td (policy ) Tj ET Q q 0 0 0 rg BT 359.40 377.00 Td (to ) Tj ET Q q 0 0 0 rg BT 370.54 377.00 Td (ensure ) Tj ET Q q 0 0 0 rg BT 403.91 377.00 Td (that ) Tj ET Q q 0 0 0 rg BT 423.39 377.00 Td (suf) Tj ET Q q 0 0 0 rg BT 436.55 377.00 Td (ficient ) Tj ET Q q 0 0 0 rg BT 465.47 377.00 Td (liquid ) Tj ET Q q 0 0 0 rg BT 491.62 377.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 523.33 377.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 372.28 385.73 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 365.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 107.59 365.00 Td (capacity ) Tj ET Q q 0 0 0 rg BT 147.05 365.00 Td (are ) Tj ET Q q 0 0 0 rg BT 164.28 365.00 Td (available ) Tj ET Q q 0 0 0 rg BT 206.53 365.00 Td (to ) Tj ET Q q 0 0 0 rg BT 217.65 365.00 Td (meet ) Tj ET Q q 0 0 0 rg BT 242.66 365.00 Td (financial ) Tj ET Q q 0 0 0 rg BT 282.13 365.00 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 347.14 365.00 Td (even ) Tj ET Q q 0 0 0 rg BT 371.60 365.00 Td (in ) Tj ET Q q 0 0 0 rg BT 382.16 365.00 Td (times ) Tj ET Q q 0 0 0 rg BT 408.83 365.00 Td (of ) Tj ET Q q 0 0 0 rg BT 419.95 365.00 Td (stress. ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 350.28 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 343.00 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.44 343.00 Td (maintains ) Tj ET Q q 0 0 0 rg BT 140.91 343.00 Td (a ) Tj ET Q q 0 0 0 rg BT 148.14 343.00 Td (robust ) Tj ET Q q 0 0 0 rg BT 177.59 343.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 212.61 343.00 Td (and ) Tj ET Q q 0 0 0 rg BT 230.96 343.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 265.43 343.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 282.65 343.00 Td (management ) Tj ET Q q 0 0 0 rg BT 342.69 343.00 Td (framework, ) Tj ET Q q 0 0 0 rg BT 393.81 343.00 Td (supported ) Tj ET Q q 0 0 0 rg BT 439.95 343.00 Td (by ) Tj ET Q q 0 0 0 rg BT 452.18 343.00 Td (limits ) Tj ET Q q 0 0 0 rg BT 476.62 343.00 Td (and ) Tj ET Q q 0 0 0 rg BT 494.97 343.00 Td (guidelines ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 338.28 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 331.00 Td (that ) Tj ET Q q 0 0 0 rg BT 92.73 331.00 Td (define ) Tj ET Q q 0 0 0 rg BT 124.02 331.00 Td (the ) Tj ET Q q 0 0 0 rg BT 141.96 331.00 Td (risk ) Tj ET Q q 0 0 0 rg BT 161.56 331.00 Td (appetite ) Tj ET Q q 0 0 0 rg BT 201.19 331.00 Td (of ) Tj ET Q q 0 0 0 rg BT 213.58 331.00 Td (the ) Tj ET Q q 0 0 0 rg BT 231.52 331.00 Td (enterprise. ) Tj ET Q q 0 0 0 rg BT 285.59 331.00 Td (Board ) Tj ET Q q 0 0 0 rg BT 316.32 331.00 Td (and ) Tj ET Q q 0 0 0 rg BT 337.05 331.00 Td (senior ) Tj ET Q q 0 0 0 rg BT 368.34 331.00 Td (management ) Tj ET Q q 0 0 0 rg BT 430.75 331.00 Td (committees ) Tj ET Q q 0 0 0 rg BT 485.92 331.00 Td (approve ) Tj ET Q q 0 0 0 rg BT 526.10 331.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 326.28 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 319.00 Td (management ) Tj ET Q q 0 0 0 rg BT 133.62 319.00 Td (framework ) Tj ET Q q 0 0 0 rg BT 183.54 319.00 Td (including ) Tj ET Q q 0 0 0 rg BT 226.26 319.00 Td (related ) Tj ET Q q 0 0 0 rg BT 260.08 319.00 Td (policies ) Tj ET Q q 0 0 0 rg BT 296.68 319.00 Td (and ) Tj ET Q q 0 0 0 rg BT 316.61 319.00 Td (regularly ) Tj ET Q q 0 0 0 rg BT 358.20 319.00 Td (review ) Tj ET Q q 0 0 0 rg BT 390.35 319.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 426.94 319.00 Td (and ) Tj ET Q q 0 0 0 rg BT 446.87 319.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 482.93 319.00 Td (positions. ) Tj ET Q q 0 0 0 rg BT 527.77 319.00 Td (An ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 314.28 464.50 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 307.00 Td (enterprise-wide ) Tj ET Q q 0 0 0 rg BT 143.14 307.00 Td (contingency ) Tj ET Q q 0 0 0 rg BT 199.29 307.00 Td (plan ) Tj ET Q q 0 0 0 rg BT 220.97 307.00 Td (that ) Tj ET Q q 0 0 0 rg BT 240.43 307.00 Td (will ) Tj ET Q q 0 0 0 rg BT 257.10 307.00 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 296.56 307.00 Td (ef) Tj ET Q q 0 0 0 rg BT 304.72 307.00 Td (fective ) Tj ET Q q 0 0 0 rg BT 336.40 307.00 Td (management ) Tj ET Q q 0 0 0 rg BT 397.55 307.00 Td (through ) Tj ET Q q 0 0 0 rg BT 434.24 307.00 Td (a ) Tj ET Q q 0 0 0 rg BT 442.58 307.00 Td (crisis ) Tj ET Q q 0 0 0 rg BT 468.13 307.00 Td (is ) Tj ET Q q 0 0 0 rg BT 478.13 307.00 Td (also ) Tj ET Q q 0 0 0 rg BT 499.26 307.00 Td (in ) Tj ET Q q 0 0 0 rg BT 509.82 307.00 Td (place.) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 292.28 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 285.00 Td (BMO) Tj ET Q q 0 0 0 rg BT 96.82 285.00 Td (s ) Tj ET Q q 0 0 0 rg BT 106.71 285.00 Td (largest ) Tj ET Q q 0 0 0 rg BT 141.62 285.00 Td (source ) Tj ET Q q 0 0 0 rg BT 176.53 285.00 Td (of ) Tj ET Q q 0 0 0 rg BT 189.77 285.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 227.47 285.00 Td (is ) Tj ET Q q 0 0 0 rg BT 239.59 285.00 Td (its ) Tj ET Q q 0 0 0 rg BT 254.48 285.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 300.50 285.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 337.64 285.00 Td (base. ) Tj ET Q q 0 0 0 rg BT 369.78 285.00 Td (Customer ) Tj ET Q q 0 0 0 rg BT 418.02 285.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 460.16 285.00 Td (include ) Tj ET Q q 0 0 0 rg BT 496.74 285.00 Td (retail ) Tj ET Q q 0 0 0 rg BT 523.31 285.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 280.28 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 273.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 125.31 273.00 Td (core ) Tj ET Q q 0 0 0 rg BT 146.96 273.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 186.40 273.00 Td (and ) Tj ET Q q 0 0 0 rg BT 205.28 273.00 Td (larger ) Tj ET Q q 0 0 0 rg BT 233.04 273.00 Td (fixed ) Tj ET Q q 0 0 0 rg BT 256.36 273.00 Td (rate ) Tj ET Q q 0 0 0 rg BT 275.79 273.00 Td (retail ) Tj ET Q q 0 0 0 rg BT 299.66 273.00 Td (and ) Tj ET Q q 0 0 0 rg BT 318.54 273.00 Td (commercial ) Tj ET Q q 0 0 0 rg BT 371.85 273.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 415.17 273.00 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 460.02 273.00 Td (This ) Tj ET Q q 0 0 0 rg BT 481.11 273.00 Td (deposit ) Tj ET Q q 0 0 0 rg BT 515.55 273.00 Td (base, ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 268.28 470.80 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 261.00 Td (along ) Tj ET Q q 0 0 0 rg BT 99.15 261.00 Td (with ) Tj ET Q q 0 0 0 rg BT 119.62 261.00 Td (its ) Tj ET Q q 0 0 0 rg BT 132.30 261.00 Td (strong ) Tj ET Q q 0 0 0 rg BT 162.78 261.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 194.37 261.00 Td (base, ) Tj ET Q q 0 0 0 rg BT 221.51 261.00 Td (supports ) Tj ET Q q 0 0 0 rg BT 262.55 261.00 Td (the ) Tj ET Q q 0 0 0 rg BT 279.14 261.00 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 339.08 261.00 Td (of ) Tj ET Q q 0 0 0 rg BT 350.11 261.00 Td (a ) Tj ET Q q 0 0 0 rg BT 358.35 261.00 Td (sound ) Tj ET Q q 0 0 0 rg BT 388.28 261.00 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 424.31 261.00 Td (position ) Tj ET Q q 0 0 0 rg BT 461.46 261.00 Td (and ) Tj ET Q q 0 0 0 rg BT 480.83 261.00 Td (is ) Tj ET Q q 0 0 0 rg BT 490.74 261.00 Td (a ) Tj ET Q q 0 0 0 rg BT 498.98 261.00 Td (source ) Tj ET Q q 0 0 0 rg BT 531.68 261.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 256.28 225.39 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 249.00 Td (strength. ) Tj ET Q q 0 0 0 rg BT 116.70 249.00 Td (BMO ) Tj ET Q q 0 0 0 rg BT 142.49 249.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 186.62 249.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 226.88 249.00 Td (and ) Tj ET Q q 0 0 0 rg BT 246.57 249.00 Td (total ) Tj ET Q q 0 0 0 rg BT 268.48 249.00 Td (capital) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 297.39 261.05 3.61 -9.38 re f /GS0 gs BT /F1 6.50 Tf ET q 0 0 0 rg BT 297.39 253.77 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 249.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 304.02 256.28 238.77 -9.38 re f /GS0 gs q 0 0 0 rg BT 304.02 249.00 Td ( ) Tj ET Q q 0 0 0 rg BT 307.03 249.00 Td (totaled ) Tj ET Q q 0 0 0 rg BT 340.06 249.00 Td ($254.2B ) Tj ET Q q 0 0 0 rg BT 380.33 249.00 Td (and ) Tj ET Q q 0 0 0 rg BT 400.02 249.00 Td ($42.8B ) Tj ET Q q 0 0 0 rg BT 434.73 249.00 Td (\(Canadian\) ) Tj ET Q q 0 0 0 rg BT 487.21 249.00 Td (respectively ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 244.28 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 237.00 Td (as ) Tj ET Q q 0 0 0 rg BT 84.67 237.00 Td (of ) Tj ET Q q 0 0 0 rg BT 95.12 237.00 Td (January ) Tj ET Q q 0 0 0 rg BT 132.81 237.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 148.82 237.00 Td (2015. ) Tj ET Q q 0 0 0 rg BT 178.73 237.00 Td (Customer ) Tj ET Q q 0 0 0 rg BT 224.18 237.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 263.54 237.00 Td (and ) Tj ET Q q 0 0 0 rg BT 282.33 237.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 313.35 237.00 Td (fund ) Tj ET Q q 0 0 0 rg BT 334.92 237.00 Td (the ) Tj ET Q q 0 0 0 rg BT 350.93 237.00 Td (large ) Tj ET Q q 0 0 0 rg BT 375.28 237.00 Td (majority ) Tj ET Q q 0 0 0 rg BT 412.39 237.00 Td (of ) Tj ET Q q 0 0 0 rg BT 422.84 237.00 Td (BMO) Tj ET Q q 0 0 0 rg BT 447.66 237.00 Td (s ) Tj ET Q q 0 0 0 rg BT 454.77 237.00 Td (loan ) Tj ET Q q 0 0 0 rg BT 475.78 237.00 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 518.89 237.00 Td (T) Tj ET Q q 0 0 0 rg BT 523.89 237.00 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 232.28 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 225.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 111.51 225.00 Td (including ) Tj ET Q q 0 0 0 rg BT 153.24 225.00 Td (customer ) Tj ET Q q 0 0 0 rg BT 196.62 225.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 236.13 225.00 Td (and ) Tj ET Q q 0 0 0 rg BT 255.07 225.00 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 301.81 225.00 Td (deposits ) Tj ET Q q 0 0 0 rg BT 341.31 225.00 Td (totaled ) Tj ET Q q 0 0 0 rg BT 373.60 225.00 Td ($429.8B ) Tj ET Q q 0 0 0 rg BT 413.11 225.00 Td (\(Canadian\) ) Tj ET Q q 0 0 0 rg BT 464.85 225.00 Td (as ) Tj ET Q q 0 0 0 rg BT 477.67 225.00 Td (of ) Tj ET Q q 0 0 0 rg BT 488.27 225.00 Td (January ) Tj ET Q q 0 0 0 rg BT 526.10 225.00 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 220.28 470.77 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 213.00 Td (2015. ) Tj ET Q q 0 0 0 rg BT 101.47 213.00 Td (Other ) Tj ET Q q 0 0 0 rg BT 128.14 213.00 Td (major ) Tj ET Q q 0 0 0 rg BT 154.81 213.00 Td (sources ) Tj ET Q q 0 0 0 rg BT 191.49 213.00 Td (of ) Tj ET Q q 0 0 0 rg BT 201.49 213.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 235.97 213.00 Td (include ) Tj ET Q q 0 0 0 rg BT 269.32 213.00 Td (securities ) Tj ET Q q 0 0 0 rg BT 313.22 213.00 Td (lent ) Tj ET Q q 0 0 0 rg BT 331.01 213.00 Td (or ) Tj ET Q q 0 0 0 rg BT 341.57 213.00 Td (sold ) Tj ET Q q 0 0 0 rg BT 361.57 213.00 Td (under ) Tj ET Q q 0 0 0 rg BT 388.82 213.00 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 440.51 213.00 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 497.76 213.00 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 208.28 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 201.00 Td (sold ) Tj ET Q q 0 0 0 rg BT 94.83 201.00 Td (but ) Tj ET Q q 0 0 0 rg BT 113.21 201.00 Td (not ) Tj ET Q q 0 0 0 rg BT 131.59 201.00 Td (yet ) Tj ET Q q 0 0 0 rg BT 149.41 201.00 Td (purchased, ) Tj ET Q q 0 0 0 rg BT 203.37 201.00 Td (and ) Tj ET Q q 0 0 0 rg BT 224.53 201.00 Td (securitization ) Tj ET Q q 0 0 0 rg BT 287.37 201.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 329.65 201.00 Td (which ) Tj ET Q q 0 0 0 rg BT 359.69 201.00 Td (totaled ) Tj ET Q q 0 0 0 rg BT 394.20 201.00 Td ($49.6B, ) Tj ET Q q 0 0 0 rg BT 433.15 201.00 Td ($30.0B ) Tj ET Q q 0 0 0 rg BT 469.33 201.00 Td (and ) Tj ET Q q 0 0 0 rg BT 490.49 201.00 Td ($23.4B ) Tj ET Q q 0 0 0 rg BT 526.67 201.00 Td (\(all ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 196.28 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 189.00 Td (Canadian\), ) Tj ET Q q 0 0 0 rg BT 123.16 189.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 175.22 189.00 Td (, ) Tj ET Q q 0 0 0 rg BT 180.24 189.00 Td (as ) Tj ET Q q 0 0 0 rg BT 193.04 189.00 Td (of ) Tj ET Q q 0 0 0 rg BT 203.62 189.00 Td (January ) Tj ET Q q 0 0 0 rg BT 241.44 189.00 Td (31, ) Tj ET Q q 0 0 0 rg BT 257.58 189.00 Td (2015. ) Tj ET Q q 0 0 0 rg BT 287.48 189.00 Td (T) Tj ET Q q 0 0 0 rg BT 292.48 189.00 Td (ogether ) Tj ET Q q 0 0 0 rg BT 328.64 189.00 Td (these ) Tj ET Q q 0 0 0 rg BT 355.34 189.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 390.39 189.00 Td (sources ) Tj ET Q q 0 0 0 rg BT 427.65 189.00 Td (represent ) Tj ET Q q 0 0 0 rg BT 472.13 189.00 Td (86% ) Tj ET Q q 0 0 0 rg BT 494.39 189.00 Td (of ) Tj ET Q q 0 0 0 rg BT 504.97 189.00 Td (the ) Tj ET Q q 0 0 0 rg BT 521.11 189.00 Td (total ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 184.28 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 177.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 111.94 177.00 Td (and ) Tj ET Q q 0 0 0 rg BT 130.76 177.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 159.59 177.00 Td (of ) Tj ET Q q 0 0 0 rg BT 170.07 177.00 Td (BMO. ) Tj ET Q q 0 0 0 rg BT 200.55 177.00 Td (Remaining ) Tj ET Q q 0 0 0 rg BT 250.49 177.00 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 290.43 177.00 Td (include ) Tj ET Q q 0 0 0 rg BT 324.26 177.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 372.54 177.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 403.03 177.00 Td (on ) Tj ET Q q 0 0 0 rg BT 416.30 177.00 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 466.24 177.00 Td (which ) Tj ET Q q 0 0 0 rg BT 493.94 177.00 Td (are ) Tj ET Q q 0 0 0 rg BT 510.54 177.00 Td (largely ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 172.28 468.00 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 165.00 Td (of) Tj ET Q q 0 0 0 rg BT 80.16 165.00 Td (fset ) Tj ET Q q 0 0 0 rg BT 97.91 165.00 Td (by ) Tj ET Q q 0 0 0 rg BT 110.11 165.00 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 157.89 165.00 Td (gains ) Tj ET Q q 0 0 0 rg BT 183.44 165.00 Td (reported ) Tj ET Q q 0 0 0 rg BT 222.32 165.00 Td (as ) Tj ET Q q 0 0 0 rg BT 234.52 165.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 265.06 165.00 Td (on ) Tj ET Q q 0 0 0 rg BT 277.82 165.00 Td (the ) Tj ET Q q 0 0 0 rg BT 293.36 165.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 330.02 165.00 Td (sheet, ) Tj ET Q q 0 0 0 rg BT 358.90 165.00 Td (bankers ) Tj ET Q q 0 0 0 rg BT 396.11 165.00 Td (acceptances, ) Tj ET Q q 0 0 0 rg BT 456.68 165.00 Td (and ) Tj ET Q q 0 0 0 rg BT 475.00 165.00 Td (other ) Tj ET Q q 0 0 0 rg BT 499.43 165.00 Td (liabilities.) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 150.28 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 143.00 Td (BMO) Tj ET Q q 0 0 0 rg BT 96.82 143.00 Td (s ) Tj ET Q q 0 0 0 rg BT 105.46 143.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 141.91 143.00 Td (philosophy ) Tj ET Q q 0 0 0 rg BT 193.37 143.00 Td (requires ) Tj ET Q q 0 0 0 rg BT 233.14 143.00 Td (that ) Tj ET Q q 0 0 0 rg BT 253.46 143.00 Td (secured ) Tj ET Q q 0 0 0 rg BT 292.68 143.00 Td (and ) Tj ET Q q 0 0 0 rg BT 313.01 143.00 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 363.35 143.00 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 411.46 143.00 Td (funding ) Tj ET Q q 0 0 0 rg BT 447.91 143.00 Td (used ) Tj ET Q q 0 0 0 rg BT 473.24 143.00 Td (to ) Tj ET Q q 0 0 0 rg BT 485.22 143.00 Td (support ) Tj ET Q q 0 0 0 rg BT 522.22 143.00 Td (less ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 138.28 470.80 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 131.00 Td (liquid ) Tj ET Q q 0 0 0 rg BT 97.84 131.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 124.23 131.00 Td (and ) Tj ET Q q 0 0 0 rg BT 143.40 131.00 Td (other ) Tj ET Q q 0 0 0 rg BT 168.68 131.00 Td (assets ) Tj ET Q q 0 0 0 rg BT 200.07 131.00 Td (be ) Tj ET Q q 0 0 0 rg BT 213.68 131.00 Td (longer ) Tj ET Q q 0 0 0 rg BT 243.96 131.00 Td (term ) Tj ET Q q 0 0 0 rg BT 266.45 131.00 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 307.83 131.00 Td (maturing ) Tj ET Q q 0 0 0 rg BT 349.23 131.00 Td (in ) Tj ET Q q 0 0 0 rg BT 359.50 131.00 Td (two ) Tj ET Q q 0 0 0 rg BT 377.54 131.00 Td (to ) Tj ET Q q 0 0 0 rg BT 388.37 131.00 Td (ten ) Tj ET Q q 0 0 0 rg BT 404.76 131.00 Td (years\) ) Tj ET Q q 0 0 0 rg BT 435.03 131.00 Td (to ) Tj ET Q q 0 0 0 rg BT 445.86 131.00 Td (better ) Tj ET Q q 0 0 0 rg BT 473.91 131.00 Td (match ) Tj ET Q q 0 0 0 rg BT 503.63 131.00 Td (the ) Tj ET Q q 0 0 0 rg BT 520.02 131.00 Td (term ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 72.00 99.77 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.61 95.00 Td ( ) Tj ET Q q 0 0 0 rg BT 79.51 95.00 Td ( ) Tj ET Q q 0 0 0 rg BT 83.40 95.00 Td (Shareholder) Tj ET Q q 0 0 0 rg BT 138.25 95.00 Td () Tj ET Q q 0 0 0 rg BT 140.30 95.00 Td (s ) Tj ET Q q 0 0 0 rg BT 149.19 95.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 179.77 95.00 Td (plus ) Tj ET Q q 0 0 0 rg BT 202.01 95.00 Td (non-controlling ) Tj ET Q q 0 0 0 rg BT 271.50 95.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 308.18 95.00 Td (in ) Tj ET Q q 0 0 0 rg BT 319.86 95.00 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 379.33 95.00 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 441.05 95.00 Td (debt, ) Tj ET Q q 0 0 0 rg BT 467.18 95.00 Td (and ) Tj ET Q q 0 0 0 rg BT 487.76 95.00 Td (capital ) Tj ET Q q 0 0 0 rg BT 520.56 95.00 Td (trust ) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 1 J 1 j 3 M 72 116 m 216 116 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 83.00 Td (securities) Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.60 60.25 Td ( p9 ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 720.03 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 712.75 Td (to ) Tj ET Q q 0 0 0 rg BT 82.93 712.75 Td (maturity ) Tj ET Q q 0 0 0 rg BT 121.08 712.75 Td (of ) Tj ET Q q 0 0 0 rg BT 132.02 712.75 Td (these ) Tj ET Q q 0 0 0 rg BT 159.07 712.75 Td (assets. ) Tj ET Q q 0 0 0 rg BT 193.34 712.75 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 242.62 712.75 Td (secured ) Tj ET Q q 0 0 0 rg BT 280.79 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 300.06 712.75 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 349.35 712.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 384.75 712.75 Td (for ) Tj ET Q q 0 0 0 rg BT 399.02 712.75 Td (liquid ) Tj ET Q q 0 0 0 rg BT 424.96 712.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 458.12 712.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 489.62 712.75 Td (is ) Tj ET Q q 0 0 0 rg BT 499.43 712.75 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 708.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 700.75 Td (shorter ) Tj ET Q q 0 0 0 rg BT 106.46 700.75 Td (term ) Tj ET Q q 0 0 0 rg BT 129.79 700.75 Td (\(maturing ) Tj ET Q q 0 0 0 rg BT 175.36 700.75 Td (in ) Tj ET Q q 0 0 0 rg BT 186.47 700.75 Td (less ) Tj ET Q q 0 0 0 rg BT 207.59 700.75 Td (than ) Tj ET Q q 0 0 0 rg BT 230.38 700.75 Td (one ) Tj ET Q q 0 0 0 rg BT 250.40 700.75 Td (year\) ) Tj ET Q q 0 0 0 rg BT 276.51 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 296.53 700.75 Td (is ) Tj ET Q q 0 0 0 rg BT 307.08 700.75 Td (aligned ) Tj ET Q q 0 0 0 rg BT 342.67 700.75 Td (with ) Tj ET Q q 0 0 0 rg BT 363.78 700.75 Td (the ) Tj ET Q q 0 0 0 rg BT 381.01 700.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 417.70 700.75 Td (of ) Tj ET Q q 0 0 0 rg BT 429.37 700.75 Td (the ) Tj ET Q q 0 0 0 rg BT 446.60 700.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 478.83 700.75 Td (being ) Tj ET Q q 0 0 0 rg BT 506.63 700.75 Td (funded, ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 696.03 470.80 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 688.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 105.98 688.75 Td (to ) Tj ET Q q 0 0 0 rg BT 116.61 688.75 Td (haircuts ) Tj ET Q q 0 0 0 rg BT 153.91 688.75 Td (in ) Tj ET Q q 0 0 0 rg BT 163.99 688.75 Td (order ) Tj ET Q q 0 0 0 rg BT 189.62 688.75 Td (to ) Tj ET Q q 0 0 0 rg BT 200.26 688.75 Td (reflect ) Tj ET Q q 0 0 0 rg BT 229.78 688.75 Td (lower ) Tj ET Q q 0 0 0 rg BT 255.97 688.75 Td (market ) Tj ET Q q 0 0 0 rg BT 288.82 688.75 Td (values ) Tj ET Q q 0 0 0 rg BT 320.02 688.75 Td (during ) Tj ET Q q 0 0 0 rg BT 350.11 688.75 Td (times ) Tj ET Q q 0 0 0 rg BT 376.29 688.75 Td (of ) Tj ET Q q 0 0 0 rg BT 386.92 688.75 Td (market ) Tj ET Q q 0 0 0 rg BT 419.77 688.75 Td (stress. ) Tj ET Q q 0 0 0 rg BT 451.51 688.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 476.58 688.75 Td (also ) Tj ET Q q 0 0 0 rg BT 497.22 688.75 Td (maintains ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 684.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 676.75 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 133.43 676.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 168.73 676.75 Td (pools ) Tj ET Q q 0 0 0 rg BT 194.59 676.75 Td (that ) Tj ET Q q 0 0 0 rg BT 213.22 676.75 Td (are ) Tj ET Q q 0 0 0 rg BT 229.62 676.75 Td (maintained ) Tj ET Q q 0 0 0 rg BT 280.50 676.75 Td (for ) Tj ET Q q 0 0 0 rg BT 294.12 676.75 Td (contingent ) Tj ET Q q 0 0 0 rg BT 342.21 676.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 377.52 676.75 Td (management ) Tj ET Q q 0 0 0 rg BT 437.83 676.75 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 486.35 676.75 Td (These ) Tj ET Q q 0 0 0 rg BT 516.10 676.75 Td (pools ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 672.03 214.56 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 664.75 Td (are ) Tj ET Q q 0 0 0 rg BT 89.23 664.75 Td (funded ) Tj ET Q q 0 0 0 rg BT 122.60 664.75 Td (with ) Tj ET Q q 0 0 0 rg BT 143.16 664.75 Td (a ) Tj ET Q q 0 0 0 rg BT 151.50 664.75 Td (mix ) Tj ET Q q 0 0 0 rg BT 169.83 664.75 Td (of ) Tj ET Q q 0 0 0 rg BT 180.95 664.75 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 228.20 664.75 Td (term ) Tj ET Q q 0 0 0 rg BT 250.97 664.75 Td (funding.) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 650.03 473.56 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 642.75 Td (Diversification ) Tj ET Q q 0 0 0 rg BT 136.16 642.75 Td (of ) Tj ET Q q 0 0 0 rg BT 146.42 642.75 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 192.80 642.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 227.53 642.75 Td (sources ) Tj ET Q q 0 0 0 rg BT 264.46 642.75 Td (is ) Tj ET Q q 0 0 0 rg BT 273.60 642.75 Td (an ) Tj ET Q q 0 0 0 rg BT 286.64 642.75 Td (important ) Tj ET Q q 0 0 0 rg BT 330.24 642.75 Td (part ) Tj ET Q q 0 0 0 rg BT 349.39 642.75 Td (of ) Tj ET Q q 0 0 0 rg BT 359.65 642.75 Td (the ) Tj ET Q q 0 0 0 rg BT 375.46 642.75 Td (overall ) Tj ET Q q 0 0 0 rg BT 406.84 642.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 442.11 642.75 Td (management ) Tj ET Q q 0 0 0 rg BT 502.39 642.75 Td (strategy) Tj ET Q q 0 0 0 rg BT 537.22 642.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 638.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 630.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.08 630.75 Td (maintains ) Tj ET Q q 0 0 0 rg BT 142.19 630.75 Td (access ) Tj ET Q q 0 0 0 rg BT 175.62 630.75 Td (to ) Tj ET Q q 0 0 0 rg BT 186.26 630.75 Td (both ) Tj ET Q q 0 0 0 rg BT 208.03 630.75 Td (shorter-term ) Tj ET Q q 0 0 0 rg BT 264.79 630.75 Td (and ) Tj ET Q q 0 0 0 rg BT 283.78 630.75 Td (longer-term ) Tj ET Q q 0 0 0 rg BT 337.22 630.75 Td (secured ) Tj ET Q q 0 0 0 rg BT 375.10 630.75 Td (and ) Tj ET Q q 0 0 0 rg BT 394.09 630.75 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 443.10 630.75 Td (funding. ) Tj ET Q q 0 0 0 rg BT 483.77 630.75 Td (Secured ) Tj ET Q q 0 0 0 rg BT 523.32 630.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 626.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 618.75 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 121.31 618.75 Td (money ) Tj ET Q q 0 0 0 rg BT 153.94 618.75 Td (market ) Tj ET Q q 0 0 0 rg BT 187.11 618.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 222.53 618.75 Td (is ) Tj ET Q q 0 0 0 rg BT 232.37 618.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 272.76 618.75 Td (raised ) Tj ET Q q 0 0 0 rg BT 302.61 618.75 Td (in ) Tj ET Q q 0 0 0 rg BT 313.00 618.75 Td (Canada ) Tj ET Q q 0 0 0 rg BT 350.65 618.75 Td (and ) Tj ET Q q 0 0 0 rg BT 369.94 618.75 Td (the ) Tj ET Q q 0 0 0 rg BT 386.46 618.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 408.52 618.75 Td (and ) Tj ET Q q 0 0 0 rg BT 427.82 618.75 Td (to ) Tj ET Q q 0 0 0 rg BT 438.77 618.75 Td (a ) Tj ET Q q 0 0 0 rg BT 446.94 618.75 Td (lesser ) Tj ET Q q 0 0 0 rg BT 476.23 618.75 Td (extent ) Tj ET Q q 0 0 0 rg BT 506.09 618.75 Td (through ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 614.03 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 606.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 96.82 606.75 Td (s ) Tj ET Q q 0 0 0 rg BT 105.74 606.75 Td (European ) Tj ET Q q 0 0 0 rg BT 153.02 606.75 Td (operations. ) Tj ET Q q 0 0 0 rg BT 208.94 606.75 Td (T) Tj ET Q q 0 0 0 rg BT 213.94 606.75 Td (erm ) Tj ET Q q 0 0 0 rg BT 235.08 606.75 Td (secured ) Tj ET Q q 0 0 0 rg BT 274.58 606.75 Td (and ) Tj ET Q q 0 0 0 rg BT 295.18 606.75 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 345.80 606.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 382.52 606.75 Td (is ) Tj ET Q q 0 0 0 rg BT 393.66 606.75 Td (also ) Tj ET Q q 0 0 0 rg BT 415.92 606.75 Td (raised ) Tj ET Q q 0 0 0 rg BT 447.08 606.75 Td (in ) Tj ET Q q 0 0 0 rg BT 458.78 606.75 Td (the ) Tj ET Q q 0 0 0 rg BT 476.60 606.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 523.33 606.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 602.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 594.75 Td (international ) Tj ET Q q 0 0 0 rg BT 129.52 594.75 Td (markets. ) Tj ET Q q 0 0 0 rg BT 173.67 594.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 199.48 594.75 Td (has ) Tj ET Q q 0 0 0 rg BT 218.64 594.75 Td (the ) Tj ET Q q 0 0 0 rg BT 235.58 594.75 Td (ability ) Tj ET Q q 0 0 0 rg BT 264.18 594.75 Td (to ) Tj ET Q q 0 0 0 rg BT 275.55 594.75 Td (raise ) Tj ET Q q 0 0 0 rg BT 300.26 594.75 Td (long-term ) Tj ET Q q 0 0 0 rg BT 345.53 594.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 381.38 594.75 Td (through ) Tj ET Q q 0 0 0 rg BT 418.33 594.75 Td (various ) Tj ET Q q 0 0 0 rg BT 453.60 594.75 Td (platforms, ) Tj ET Q q 0 0 0 rg BT 500.53 594.75 Td (including ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 590.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 582.75 Td (a ) Tj ET Q q 0 0 0 rg BT 79.60 582.75 Td (European ) Tj ET Q q 0 0 0 rg BT 125.00 582.75 Td (Note ) Tj ET Q q 0 0 0 rg BT 148.16 582.75 Td (Issuance ) Tj ET Q q 0 0 0 rg BT 190.22 582.75 Td (Program, ) Tj ET Q q 0 0 0 rg BT 233.38 582.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 278.23 582.75 Td (and ) Tj ET Q q 0 0 0 rg BT 296.95 582.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 318.44 582.75 Td (Medium-T) Tj ET Q q 0 0 0 rg BT 362.33 582.75 Td (erm ) Tj ET Q q 0 0 0 rg BT 381.59 582.75 Td (Note ) Tj ET Q q 0 0 0 rg BT 404.75 582.75 Td (Programs, ) Tj ET Q q 0 0 0 rg BT 452.91 582.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 497.76 582.75 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 578.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 570.75 Td (securitizations, ) Tj ET Q q 0 0 0 rg BT 143.89 570.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 192.46 570.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 222.67 570.75 Td (card ) Tj ET Q q 0 0 0 rg BT 247.88 570.75 Td (securitizations, ) Tj ET Q q 0 0 0 rg BT 319.78 570.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 361.11 570.75 Td (bonds ) Tj ET Q q 0 0 0 rg BT 394.11 570.75 Td (and ) Tj ET Q q 0 0 0 rg BT 416.55 570.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 465.12 570.75 Td (and ) Tj ET Q q 0 0 0 rg BT 487.56 570.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 512.77 570.75 Td (senior ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 566.03 101.72 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 558.75 Td (\(unsecured\) ) Tj ET Q q 0 0 0 rg BT 128.14 558.75 Td (deposits. ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 544.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 536.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.56 536.75 Td (maintains ) Tj ET Q q 0 0 0 rg BT 143.13 536.75 Td (a ) Tj ET Q q 0 0 0 rg BT 151.47 536.75 Td (robust ) Tj ET Q q 0 0 0 rg BT 182.04 536.75 Td (stress ) Tj ET Q q 0 0 0 rg BT 211.48 536.75 Td (testing ) Tj ET Q q 0 0 0 rg BT 243.72 536.75 Td (program ) Tj ET Q q 0 0 0 rg BT 283.74 536.75 Td (to ) Tj ET Q q 0 0 0 rg BT 294.85 536.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 328.21 536.75 Td (its ) Tj ET Q q 0 0 0 rg BT 340.98 536.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 377.11 536.75 Td (and ) Tj ET Q q 0 0 0 rg BT 396.57 536.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 432.16 536.75 Td (needs ) Tj ET Q q 0 0 0 rg BT 462.18 536.75 Td (can ) Tj ET Q q 0 0 0 rg BT 481.08 536.75 Td (be ) Tj ET Q q 0 0 0 rg BT 494.98 536.75 Td (met ) Tj ET Q q 0 0 0 rg BT 514.43 536.75 Td (under ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 532.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 524.75 Td (stress. ) Tj ET Q q 0 0 0 rg BT 110.35 524.75 Td (Liquid ) Tj ET Q q 0 0 0 rg BT 143.16 524.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 178.19 524.75 Td (held ) Tj ET Q q 0 0 0 rg BT 203.22 524.75 Td (to ) Tj ET Q q 0 0 0 rg BT 217.68 524.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 254.38 524.75 Td (that ) Tj ET Q q 0 0 0 rg BT 277.19 524.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 302.01 524.75 Td (s ) Tj ET Q q 0 0 0 rg BT 313.13 524.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 352.60 524.75 Td (and ) Tj ET Q q 0 0 0 rg BT 375.41 524.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 414.34 524.75 Td (objectives ) Tj ET Q q 0 0 0 rg BT 464.94 524.75 Td (are ) Tj ET Q q 0 0 0 rg BT 485.51 524.75 Td (met ) Tj ET Q q 0 0 0 rg BT 508.31 524.75 Td (include ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 520.03 470.78 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 512.75 Td (unencumbered, ) Tj ET Q q 0 0 0 rg BT 143.71 512.75 Td (high-quality ) Tj ET Q q 0 0 0 rg BT 197.07 512.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 228.19 512.75 Td (that ) Tj ET Q q 0 0 0 rg BT 247.09 512.75 Td (are ) Tj ET Q q 0 0 0 rg BT 263.77 512.75 Td (marketable, ) Tj ET Q q 0 0 0 rg BT 318.23 512.75 Td (can ) Tj ET Q q 0 0 0 rg BT 336.57 512.75 Td (be ) Tj ET Q q 0 0 0 rg BT 349.92 512.75 Td (pledged ) Tj ET Q q 0 0 0 rg BT 387.73 512.75 Td (as ) Tj ET Q q 0 0 0 rg BT 400.51 512.75 Td (security ) Tj ET Q q 0 0 0 rg BT 437.18 512.75 Td (for ) Tj ET Q q 0 0 0 rg BT 451.07 512.75 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 504.98 512.75 Td (and ) Tj ET Q q 0 0 0 rg BT 523.88 512.75 Td (can ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 508.03 470.77 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 500.75 Td (be ) Tj ET Q q 0 0 0 rg BT 86.00 500.75 Td (converted ) Tj ET Q q 0 0 0 rg BT 132.80 500.75 Td (to ) Tj ET Q q 0 0 0 rg BT 144.02 500.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 168.03 500.75 Td (in ) Tj ET Q q 0 0 0 rg BT 178.69 500.75 Td (a ) Tj ET Q q 0 0 0 rg BT 187.13 500.75 Td (time ) Tj ET Q q 0 0 0 rg BT 208.91 500.75 Td (frame ) Tj ET Q q 0 0 0 rg BT 237.35 500.75 Td (that ) Tj ET Q q 0 0 0 rg BT 256.91 500.75 Td (meets ) Tj ET Q q 0 0 0 rg BT 287.02 500.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 323.26 500.75 Td (and ) Tj ET Q q 0 0 0 rg BT 342.82 500.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 378.51 500.75 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 445.31 500.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 470.97 500.75 Td (maintains ) Tj ET Q q 0 0 0 rg BT 516.65 500.75 Td (liquid ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 496.03 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 488.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 102.71 488.75 Td (in ) Tj ET Q q 0 0 0 rg BT 112.31 488.75 Td (both ) Tj ET Q q 0 0 0 rg BT 133.58 488.75 Td (its ) Tj ET Q q 0 0 0 rg BT 145.40 488.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 177.79 488.75 Td (businesses ) Tj ET Q q 0 0 0 rg BT 229.63 488.75 Td (and ) Tj ET Q q 0 0 0 rg BT 248.13 488.75 Td (in ) Tj ET Q q 0 0 0 rg BT 257.72 488.75 Td (its ) Tj ET Q q 0 0 0 rg BT 269.53 488.75 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 330.83 488.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 365.99 488.75 Td (pools. ) Tj ET Q q 0 0 0 rg BT 397.27 488.75 Td (Net ) Tj ET Q q 0 0 0 rg BT 414.64 488.75 Td (unencumbered ) Tj ET Q q 0 0 0 rg BT 483.17 488.75 Td (liquid ) Tj ET Q q 0 0 0 rg BT 508.33 488.75 Td (assets, ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 484.03 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 476.75 Td (defined ) Tj ET Q q 0 0 0 rg BT 107.81 476.75 Td (as ) Tj ET Q q 0 0 0 rg BT 121.37 476.75 Td ( ) Tj ET Q q 0 0 0 rg BT 124.37 476.75 Td (on-balance ) Tj ET Q q 0 0 0 rg BT 176.85 476.75 Td (sheet ) Tj ET Q q 0 0 0 rg BT 204.31 476.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 236.21 476.75 Td (such ) Tj ET Q q 0 0 0 rg BT 260.34 476.75 Td (as ) Tj ET Q q 0 0 0 rg BT 273.90 476.75 Td (BMO-owned ) Tj ET Q q 0 0 0 rg BT 332.47 476.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 356.59 476.75 Td (and ) Tj ET Q q 0 0 0 rg BT 376.28 476.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 421.51 476.75 Td (and ) Tj ET Q q 0 0 0 rg BT 441.20 476.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 486.43 476.75 Td (borrowed ) Tj ET Q q 0 0 0 rg BT 531.12 476.75 Td (or ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 472.03 470.79 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 464.75 Td (purchased ) Tj ET Q q 0 0 0 rg BT 121.54 464.75 Td (under ) Tj ET Q q 0 0 0 rg BT 149.95 464.75 Td (resale ) Tj ET Q q 0 0 0 rg BT 180.02 464.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 235.67 464.75 Td (plus ) Tj ET Q q 0 0 0 rg BT 256.85 464.75 Td (other ) Tj ET Q q 0 0 0 rg BT 282.48 464.75 Td (of) Tj ET Q q 0 0 0 rg BT 290.63 464.75 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 334.61 464.75 Td (sheet ) Tj ET Q q 0 0 0 rg BT 361.91 464.75 Td (eligible ) Tj ET Q q 0 0 0 rg BT 395.88 464.75 Td (collateral ) Tj ET Q q 0 0 0 rg BT 438.73 464.75 Td (received ) Tj ET Q q 0 0 0 rg BT 479.37 464.75 Td (less ) Tj ET Q q 0 0 0 rg BT 499.99 464.75 Td (collateral ) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 72.00 460.03 335.77 -9.38 re f /GS0 gs q 0 0 0 rg BT 72.00 452.75 Td (encumbered ) Tj ET Q q 0 0 0 rg BT 130.37 452.75 Td (securities, ) Tj ET Q q 0 0 0 rg BT 178.16 452.75 Td (totaled ) Tj ET Q q 0 0 0 rg BT 210.96 452.75 Td ($191.2B ) Tj ET Q q 0 0 0 rg BT 251.00 452.75 Td (\(Canadian\) ) Tj ET Q q 0 0 0 rg BT 303.25 452.75 Td (as ) Tj ET Q q 0 0 0 rg BT 316.59 452.75 Td (of ) Tj ET Q q 0 0 0 rg BT 327.71 452.75 Td (January ) Tj ET Q q 0 0 0 rg BT 366.06 452.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 382.74 452.75 Td (2015.) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I9 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 430.75 Td (1.1.4.3 ) Tj ET Q q 0 0 0 rg BT 105.36 430.75 Td ( ) Tj ET Q q 0 0 0 rg BT 108.14 430.75 Td (Capital) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 408.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 96.82 408.75 Td (s ) Tj ET Q q 0 0 0 rg BT 105.04 408.75 Td (Basel ) Tj ET Q q 0 0 0 rg BT 133.27 408.75 Td (III ) Tj ET Q q 0 0 0 rg BT 144.83 408.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 176.95 408.75 Td (position ) Tj ET Q q 0 0 0 rg BT 214.64 408.75 Td (is ) Tj ET Q q 0 0 0 rg BT 225.08 408.75 Td (strong, ) Tj ET Q q 0 0 0 rg BT 258.87 408.75 Td (with ) Tj ET Q q 0 0 0 rg BT 279.87 408.75 Td (an ) Tj ET Q q 0 0 0 rg BT 294.22 408.75 Td (all-in) Tj ET Q q 0 0 0 rg BT 319.41 408.75 Td ( ) Tj ET Q q 0 0 0 rg BT 322.63 408.75 Td (Basel ) Tj ET Q q 0 0 0 rg BT 350.86 408.75 Td (III ) Tj ET Q q 0 0 0 rg BT 362.41 408.75 Td (Common ) Tj ET Q q 0 0 0 rg BT 406.20 408.75 Td (Equity ) Tj ET Q q 0 0 0 rg BT 437.00 408.75 Td (T) Tj ET Q q 0 0 0 rg BT 442.74 408.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 457.07 408.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 465.85 408.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 488.52 408.75 Td (of ) Tj ET Q q 0 0 0 rg BT 500.08 408.75 Td (10.1% ) Tj ET Q q 0 0 0 rg BT 531.66 408.75 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 396.75 Td (January ) Tj ET Q q 0 0 0 rg BT 110.64 396.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 127.60 396.75 Td (2015, ) Tj ET Q q 0 0 0 rg BT 155.68 396.75 Td (well ) Tj ET Q q 0 0 0 rg BT 175.96 396.75 Td (in ) Tj ET Q q 0 0 0 rg BT 186.81 396.75 Td (excess ) Tj ET Q q 0 0 0 rg BT 220.99 396.75 Td (of ) Tj ET Q q 0 0 0 rg BT 232.39 396.75 Td (the ) Tj ET Q q 0 0 0 rg BT 249.35 396.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 296.88 396.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 358.29 396.75 Td (of ) Tj ET Q q 0 0 0 rg BT 369.69 396.75 Td (Canada) Tj ET Q q 0 0 0 rg BT 406.76 396.75 Td (s ) Tj ET Q q 0 0 0 rg BT 414.82 396.75 Td (Of) Tj ET Q q 0 0 0 rg BT 425.20 396.75 Td (fice ) Tj ET Q q 0 0 0 rg BT 443.82 396.75 Td (of ) Tj ET Q q 0 0 0 rg BT 455.22 396.75 Td (the ) Tj ET Q q 0 0 0 rg BT 472.18 396.75 Td (Superintendent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 384.75 Td (of ) Tj ET Q q 0 0 0 rg BT 82.63 384.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 124.94 384.75 Td (Institutions ) Tj ET Q q 0 0 0 rg BT 175.04 384.75 Td (\(OSFI\). ) Tj ET Q q 0 0 0 rg BT 212.88 384.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 237.70 384.75 Td (s ) Tj ET Q q 0 0 0 rg BT 245.00 384.75 Td (all-in) Tj ET Q q 0 0 0 rg BT 270.19 384.75 Td ( ) Tj ET Q q 0 0 0 rg BT 272.33 384.75 Td (T) Tj ET Q q 0 0 0 rg BT 278.07 384.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 291.47 384.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 299.33 384.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 321.07 384.75 Td (at ) Tj ET Q q 0 0 0 rg BT 331.70 384.75 Td (January ) Tj ET Q q 0 0 0 rg BT 369.57 384.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 385.77 384.75 Td (2015 ) Tj ET Q q 0 0 0 rg BT 410.31 384.75 Td (was ) Tj ET Q q 0 0 0 rg BT 430.38 384.75 Td (1) Tj ET Q q 0 0 0 rg BT 435.20 384.75 Td (1.4% ) Tj ET Q q 0 0 0 rg BT 460.29 384.75 Td (and ) Tj ET Q q 0 0 0 rg BT 479.26 384.75 Td (its ) Tj ET Q q 0 0 0 rg BT 491.56 384.75 Td (all-in) Tj ET Q q 0 0 0 rg BT 516.75 384.75 Td ( ) Tj ET Q q 0 0 0 rg BT 518.89 384.75 Td (T) Tj ET Q q 0 0 0 rg BT 523.89 384.75 Td (otal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 372.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 106.46 372.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 129.25 372.75 Td (was ) Tj ET Q q 0 0 0 rg BT 150.36 372.75 Td (13.4%. ) Tj ET Q q 0 0 0 rg BT 187.60 372.75 Td (Since ) Tj ET Q q 0 0 0 rg BT 215.95 372.75 Td (January ) Tj ET Q q 0 0 0 rg BT 254.86 372.75 Td (2013, ) Tj ET Q q 0 0 0 rg BT 283.21 372.75 Td (OSFI ) Tj ET Q q 0 0 0 rg BT 309.88 372.75 Td (has ) Tj ET Q q 0 0 0 rg BT 329.34 372.75 Td (required ) Tj ET Q q 0 0 0 rg BT 369.36 372.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 415.50 372.75 Td (deposit-taking ) Tj ET Q q 0 0 0 rg BT 481.10 372.75 Td (institutions ) Tj ET Q q 0 0 0 rg BT 531.67 372.75 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 360.75 Td (attain ) Tj ET Q q 0 0 0 rg BT 99.05 360.75 Td (an ) Tj ET Q q 0 0 0 rg BT 112.75 360.75 Td (all-in) Tj ET Q q 0 0 0 rg BT 137.95 360.75 Td ( ) Tj ET Q q 0 0 0 rg BT 140.53 360.75 Td (Basel ) Tj ET Q q 0 0 0 rg BT 168.13 360.75 Td (III ) Tj ET Q q 0 0 0 rg BT 179.05 360.75 Td (Common ) Tj ET Q q 0 0 0 rg BT 222.20 360.75 Td (Equity ) Tj ET Q q 0 0 0 rg BT 252.41 360.75 Td (T) Tj ET Q q 0 0 0 rg BT 258.15 360.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 271.84 360.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 279.99 360.75 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 314.80 360.75 Td (pre-stress ) Tj ET Q q 0 0 0 rg BT 361.83 360.75 Td (target ) Tj ET Q q 0 0 0 rg BT 389.99 360.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 412.03 360.75 Td (of ) Tj ET Q q 0 0 0 rg BT 422.95 360.75 Td (at ) Tj ET Q q 0 0 0 rg BT 433.88 360.75 Td (least ) Tj ET Q q 0 0 0 rg BT 457.58 360.75 Td (7%; ) Tj ET Q q 0 0 0 rg BT 477.40 360.75 Td (this ) Tj ET Q q 0 0 0 rg BT 495.54 360.75 Td (pre-stress ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 348.75 Td (target ) Tj ET Q q 0 0 0 rg BT 99.86 348.75 Td (will ) Tj ET Q q 0 0 0 rg BT 116.03 348.75 Td (rise ) Tj ET Q q 0 0 0 rg BT 134.43 348.75 Td (to ) Tj ET Q q 0 0 0 rg BT 145.05 348.75 Td (8% ) Tj ET Q q 0 0 0 rg BT 161.79 348.75 Td (in ) Tj ET Q q 0 0 0 rg BT 171.86 348.75 Td (2016 ) Tj ET Q q 0 0 0 rg BT 196.39 348.75 Td (due ) Tj ET Q q 0 0 0 rg BT 215.36 348.75 Td (to ) Tj ET Q q 0 0 0 rg BT 225.99 348.75 Td (D-SIB ) Tj ET Q q 0 0 0 rg BT 254.94 348.75 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 321.15 348.75 Td (In ) Tj ET Q q 0 0 0 rg BT 331.77 348.75 Td (March ) Tj ET Q q 0 0 0 rg BT 361.84 348.75 Td (2013, ) Tj ET Q q 0 0 0 rg BT 389.15 348.75 Td (OSFI ) Tj ET Q q 0 0 0 rg BT 414.77 348.75 Td (issued ) Tj ET Q q 0 0 0 rg BT 445.96 348.75 Td (guidance ) Tj ET Q q 0 0 0 rg BT 488.84 348.75 Td (designating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 336.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.26 336.75 Td (six ) Tj ET Q q 0 0 0 rg BT 102.84 336.75 Td (largest ) Tj ET Q q 0 0 0 rg BT 135.21 336.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 180.38 336.75 Td (banks, ) Tj ET Q q 0 0 0 rg BT 212.20 336.75 Td (including ) Tj ET Q q 0 0 0 rg BT 254.02 336.75 Td (BMO, ) Tj ET Q q 0 0 0 rg BT 281.94 336.75 Td (as ) Tj ET Q q 0 0 0 rg BT 294.86 336.75 Td (domestic ) Tj ET Q q 0 0 0 rg BT 337.23 336.75 Td (systemically ) Tj ET Q q 0 0 0 rg BT 393.48 336.75 Td (important ) Tj ET Q q 0 0 0 rg BT 437.52 336.75 Td (banks ) Tj ET Q q 0 0 0 rg BT 466.56 336.75 Td (\(D-SIBs\). ) Tj ET Q q 0 0 0 rg BT 509.87 336.75 Td (The ) Tj ET Q q 0 0 0 rg BT 529.46 336.75 Td (D-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 324.75 Td (SIBs ) Tj ET Q q 0 0 0 rg BT 96.77 324.75 Td (will ) Tj ET Q q 0 0 0 rg BT 114.30 324.75 Td (be ) Tj ET Q q 0 0 0 rg BT 129.07 324.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 164.40 324.75 Td (to ) Tj ET Q q 0 0 0 rg BT 176.39 324.75 Td (continued ) Tj ET Q q 0 0 0 rg BT 223.41 324.75 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 270.99 324.75 Td (supervision ) Tj ET Q q 0 0 0 rg BT 325.22 324.75 Td (and ) Tj ET Q q 0 0 0 rg BT 345.55 324.75 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 394.22 324.75 Td (and, ) Tj ET Q q 0 0 0 rg BT 417.33 324.75 Td (commencing ) Tj ET Q q 0 0 0 rg BT 477.67 324.75 Td (on ) Tj ET Q q 0 0 0 rg BT 492.44 324.75 Td (January ) Tj ET Q q 0 0 0 rg BT 531.66 324.75 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 312.75 Td (2016, ) Tj ET Q q 0 0 0 rg BT 100.00 312.75 Td (will ) Tj ET Q q 0 0 0 rg BT 116.85 312.75 Td (be ) Tj ET Q q 0 0 0 rg BT 130.95 312.75 Td (required ) Tj ET Q q 0 0 0 rg BT 170.61 312.75 Td (to ) Tj ET Q q 0 0 0 rg BT 181.92 312.75 Td (hold ) Tj ET Q q 0 0 0 rg BT 203.80 312.75 Td (an ) Tj ET Q q 0 0 0 rg BT 217.89 312.75 Td (additional ) Tj ET Q q 0 0 0 rg BT 263.67 312.75 Td (1% ) Tj ET Q q 0 0 0 rg BT 281.10 312.75 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 309.63 312.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 341.51 312.75 Td (as ) Tj ET Q q 0 0 0 rg BT 355.04 312.75 Td (part ) Tj ET Q q 0 0 0 rg BT 375.24 312.75 Td (of ) Tj ET Q q 0 0 0 rg BT 386.56 312.75 Td (an ) Tj ET Q q 0 0 0 rg BT 400.65 312.75 Td (increased ) Tj ET Q q 0 0 0 rg BT 446.98 312.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 481.08 312.75 Td (Conservation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 300.75 Td (Buf) Tj ET Q q 0 0 0 rg BT 86.83 300.75 Td (fer) Tj ET Q q 0 0 0 rg BT 97.95 300.75 Td (. ) Tj ET Q q 0 0 0 rg BT 104.25 300.75 Td (No ) Tj ET Q q 0 0 0 rg BT 120.55 300.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 166.88 300.75 Td (banks ) Tj ET Q q 0 0 0 rg BT 197.09 300.75 Td (are ) Tj ET Q q 0 0 0 rg BT 215.06 300.75 Td (currently ) Tj ET Q q 0 0 0 rg BT 256.93 300.75 Td (considered ) Tj ET Q q 0 0 0 rg BT 309.37 300.75 Td (to ) Tj ET Q q 0 0 0 rg BT 321.23 300.75 Td (be ) Tj ET Q q 0 0 0 rg BT 335.87 300.75 Td (globally ) Tj ET Q q 0 0 0 rg BT 373.30 300.75 Td (systemically ) Tj ET Q q 0 0 0 rg BT 430.72 300.75 Td (important. ) Tj ET Q q 0 0 0 rg BT 481.48 300.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 506.30 300.75 Td (s ) Tj ET Q q 0 0 0 rg BT 514.82 300.75 Td (all-in) Tj ET Q q 0 0 0 rg BT 540.01 300.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 288.75 Td (ratios ) Tj ET Q q 0 0 0 rg BT 100.20 288.75 Td (are ) Tj ET Q q 0 0 0 rg BT 118.40 288.75 Td (calculated ) Tj ET Q q 0 0 0 rg BT 167.18 288.75 Td (based ) Tj ET Q q 0 0 0 rg BT 198.17 288.75 Td (on ) Tj ET Q q 0 0 0 rg BT 213.04 288.75 Td (the ) Tj ET Q q 0 0 0 rg BT 230.69 288.75 Td (2019 ) Tj ET Q q 0 0 0 rg BT 256.68 288.75 Td (Basel ) Tj ET Q q 0 0 0 rg BT 285.44 288.75 Td (III ) Tj ET Q q 0 0 0 rg BT 297.53 288.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 330.18 288.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 392.29 288.75 Td (other ) Tj ET Q q 0 0 0 rg BT 418.83 288.75 Td (than ) Tj ET Q q 0 0 0 rg BT 442.04 288.75 Td (the ) Tj ET Q q 0 0 0 rg BT 459.68 288.75 Td (phase-out ) Tj ET Q q 0 0 0 rg BT 507.91 288.75 Td (of ) Tj ET Q q 0 0 0 rg BT 520.00 288.75 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 276.75 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 117.03 276.75 Td (capital. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 252.75 Td (Since ) Tj ET Q q 0 0 0 rg BT 100.48 252.75 Td (2013, ) Tj ET Q q 0 0 0 rg BT 128.98 252.75 Td (OSFI ) Tj ET Q q 0 0 0 rg BT 155.78 252.75 Td (requires ) Tj ET Q q 0 0 0 rg BT 195.38 252.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 241.67 252.75 Td (deposit-taking ) Tj ET Q q 0 0 0 rg BT 307.40 252.75 Td (institutions ) Tj ET Q q 0 0 0 rg BT 358.11 252.75 Td (to ) Tj ET Q q 0 0 0 rg BT 369.92 252.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 395.62 252.75 Td (minimum ) Tj ET Q q 0 0 0 rg BT 439.65 252.75 Td (pre-stress ) Tj ET Q q 0 0 0 rg BT 487.57 252.75 Td (transitional) Tj ET Q q 0 0 0 rg BT 540.01 252.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 240.75 Td (Basel ) Tj ET Q q 0 0 0 rg BT 100.33 240.75 Td (III ) Tj ET Q q 0 0 0 rg BT 111.99 240.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 144.21 240.75 Td (ratios. ) Tj ET Q q 0 0 0 rg BT 177.32 240.75 Td (The ) Tj ET Q q 0 0 0 rg BT 197.87 240.75 Td (2015 ) Tj ET Q q 0 0 0 rg BT 223.44 240.75 Td (minima ) Tj ET Q q 0 0 0 rg BT 258.98 240.75 Td (for ) Tj ET Q q 0 0 0 rg BT 273.97 240.75 Td (these ) Tj ET Q q 0 0 0 rg BT 301.75 240.75 Td (ratios ) Tj ET Q q 0 0 0 rg BT 329.52 240.75 Td (are ) Tj ET Q q 0 0 0 rg BT 347.29 240.75 Td (4.5% ) Tj ET Q q 0 0 0 rg BT 373.41 240.75 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 402.29 240.75 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 427.84 240.75 Td (6.0% ) Tj ET Q q 0 0 0 rg BT 453.73 240.75 Td (T) Tj ET Q q 0 0 0 rg BT 459.47 240.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 473.90 240.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 482.78 240.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 505.55 240.75 Td (and ) Tj ET Q q 0 0 0 rg BT 525.55 240.75 Td (8% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 228.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.00 228.75 Td (otal ) Tj ET Q q 0 0 0 rg BT 94.86 228.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 127.73 228.75 Td (ratio. ) Tj ET Q q 0 0 0 rg BT 154.37 228.75 Td (The ) Tj ET Q q 0 0 0 rg BT 173.34 228.75 Td (transitional) Tj ET Q q 0 0 0 rg BT 225.77 228.75 Td ( ) Tj ET Q q 0 0 0 rg BT 227.51 228.75 Td (ratios ) Tj ET Q q 0 0 0 rg BT 253.71 228.75 Td (are ) Tj ET Q q 0 0 0 rg BT 269.90 228.75 Td (calculated ) Tj ET Q q 0 0 0 rg BT 316.67 228.75 Td (using ) Tj ET Q q 0 0 0 rg BT 342.32 228.75 Td (a ) Tj ET Q q 0 0 0 rg BT 349.62 228.75 Td (five-year ) Tj ET Q q 0 0 0 rg BT 389.71 228.75 Td (phase-in ) Tj ET Q q 0 0 0 rg BT 429.81 228.75 Td (of ) Tj ET Q q 0 0 0 rg BT 439.89 228.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 486.10 228.75 Td (adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 216.75 Td (and ) Tj ET Q q 0 0 0 rg BT 90.68 216.75 Td (a ) Tj ET Q q 0 0 0 rg BT 98.23 216.75 Td (nine-year ) Tj ET Q q 0 0 0 rg BT 141.91 216.75 Td (phase-out ) Tj ET Q q 0 0 0 rg BT 188.38 216.75 Td (of ) Tj ET Q q 0 0 0 rg BT 198.71 216.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 252.39 216.75 Td (that ) Tj ET Q q 0 0 0 rg BT 271.06 216.75 Td (no ) Tj ET Q q 0 0 0 rg BT 284.17 216.75 Td (longer ) Tj ET Q q 0 0 0 rg BT 313.96 216.75 Td (qualify ) Tj ET Q q 0 0 0 rg BT 344.86 216.75 Td (as ) Tj ET Q q 0 0 0 rg BT 357.41 216.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 403.87 216.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 434.77 216.75 Td (under ) Tj ET Q q 0 0 0 rg BT 462.34 216.75 Td (the ) Tj ET Q q 0 0 0 rg BT 478.23 216.75 Td (Basel ) Tj ET Q q 0 0 0 rg BT 505.24 216.75 Td (III ) Tj ET Q q 0 0 0 rg BT 515.57 216.75 Td (rules. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 204.75 Td (On ) Tj ET Q q 0 0 0 rg BT 89.86 204.75 Td (a ) Tj ET Q q 0 0 0 rg BT 99.93 204.75 Td (transitional ) Tj ET Q q 0 0 0 rg BT 152.81 204.75 Td (basis, ) Tj ET Q q 0 0 0 rg BT 183.45 204.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 208.27 204.75 Td (s ) Tj ET Q q 0 0 0 rg BT 217.79 204.75 Td (CET1, ) Tj ET Q q 0 0 0 rg BT 250.35 204.75 Td (T) Tj ET Q q 0 0 0 rg BT 256.09 204.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 271.72 204.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 281.79 204.75 Td (and ) Tj ET Q q 0 0 0 rg BT 302.70 204.75 Td (T) Tj ET Q q 0 0 0 rg BT 307.70 204.75 Td (otal ) Tj ET Q q 0 0 0 rg BT 328.34 204.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 363.99 204.75 Td (ratios ) Tj ET Q q 0 0 0 rg BT 392.96 204.75 Td (were ) Tj ET Q q 0 0 0 rg BT 419.15 204.75 Td (12.3%, ) Tj ET Q q 0 0 0 rg BT 454.80 204.75 Td (12.3% ) Tj ET Q q 0 0 0 rg BT 487.67 204.75 Td (and ) Tj ET Q q 0 0 0 rg BT 508.87 204.75 Td (14.3%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 192.75 Td (respectively) Tj ET Q q 0 0 0 rg BT 124.06 192.75 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 168.75 Td (A) Tj ET Q q 0 0 0 rg BT 78.12 168.75 Td ( ) Tj ET Q q 0 0 0 rg BT 80.53 168.75 Td (Basel ) Tj ET Q q 0 0 0 rg BT 107.96 168.75 Td (III ) Tj ET Q q 0 0 0 rg BT 118.72 168.75 Td (Leverage ) Tj ET Q q 0 0 0 rg BT 162.83 168.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 184.70 168.75 Td (was ) Tj ET Q q 0 0 0 rg BT 204.90 168.75 Td (implemented ) Tj ET Q q 0 0 0 rg BT 264.57 168.75 Td (ef) Tj ET Q q 0 0 0 rg BT 272.73 168.75 Td (fective ) Tj ET Q q 0 0 0 rg BT 304.04 168.75 Td (January ) Tj ET Q q 0 0 0 rg BT 342.04 168.75 Td (2015. ) Tj ET Q q 0 0 0 rg BT 372.25 168.75 Td () Tj ET Q q 0 0 0 rg BT 374.85 168.75 Td (The ) Tj ET Q q 0 0 0 rg BT 394.50 168.75 Td (leverage ) Tj ET Q q 0 0 0 rg BT 435.27 168.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 457.14 168.75 Td (is ) Tj ET Q q 0 0 0 rg BT 466.78 168.75 Td (defined ) Tj ET Q q 0 0 0 rg BT 502.00 168.75 Td (as ) Tj ET Q q 0 0 0 rg BT 514.98 168.75 Td (Basel ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 156.75 Td (III ) Tj ET Q q 0 0 0 rg BT 82.85 156.75 Td (T) Tj ET Q q 0 0 0 rg BT 88.59 156.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 102.40 156.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 110.65 156.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 142.26 156.75 Td (divided ) Tj ET Q q 0 0 0 rg BT 176.64 156.75 Td (by ) Tj ET Q q 0 0 0 rg BT 189.90 156.75 Td (the ) Tj ET Q q 0 0 0 rg BT 206.49 156.75 Td (sum ) Tj ET Q q 0 0 0 rg BT 228.08 156.75 Td (of ) Tj ET Q q 0 0 0 rg BT 239.11 156.75 Td (on-balance ) Tj ET Q q 0 0 0 rg BT 291.29 156.75 Td (sheet ) Tj ET Q q 0 0 0 rg BT 318.44 156.75 Td (items ) Tj ET Q q 0 0 0 rg BT 345.03 156.75 Td (and ) Tj ET Q q 0 0 0 rg BT 364.41 156.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 406.57 156.75 Td (of) Tj ET Q q 0 0 0 rg BT 414.73 156.75 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 458.56 156.75 Td (sheet ) Tj ET Q q 0 0 0 rg BT 485.72 156.75 Td (items, ) Tj ET Q q 0 0 0 rg BT 515.08 156.75 Td (net ) Tj ET Q q 0 0 0 rg BT 531.68 156.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 144.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 114.88 144.75 Td (deductions. ) Tj ET Q q 0 0 0 rg BT 171.53 144.75 Td (At ) Tj ET Q q 0 0 0 rg BT 184.39 144.75 Td (January ) Tj ET Q q 0 0 0 rg BT 223.38 144.75 Td (31 ) Tj ET Q q 0 0 0 rg BT 237.91 144.75 Td (2015, ) Tj ET Q q 0 0 0 rg BT 266.34 144.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 291.16 144.75 Td (s ) Tj ET Q q 0 0 0 rg BT 299.57 144.75 Td (leverage ) Tj ET Q q 0 0 0 rg BT 341.34 144.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 364.20 144.75 Td (was ) Tj ET Q q 0 0 0 rg BT 385.40 144.75 Td (3.8%, ) Tj ET Q q 0 0 0 rg BT 414.38 144.75 Td (well ) Tj ET Q q 0 0 0 rg BT 435.01 144.75 Td (above ) Tj ET Q q 0 0 0 rg BT 465.67 144.75 Td (OSFI) Tj ET Q q 0 0 0 rg BT 491.04 144.75 Td (s ) Tj ET Q q 0 0 0 rg BT 499.45 144.75 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 132.75 Td (requirement ) Tj ET Q q 0 0 0 rg BT 128.14 132.75 Td (of ) Tj ET Q q 0 0 0 rg BT 139.26 132.75 Td (3.0%. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 98.75 Td (1.1.5 ) Tj ET Q q 0 0 0 rg BT 97.02 98.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 98.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 150.38 98.75 Td (and ) Tj ET Q q 0 0 0 rg BT 170.94 98.75 Td (Hedging ) Tj ET Q q 0 0 0 rg BT 213.34 98.75 Td (Activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.81 98.75 Td ( ) Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p10 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 120.18 712.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 175.58 712.75 Td (are ) Tj ET Q q 0 0 0 rg BT 193.75 712.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 234.16 712.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 278.45 712.75 Td (that ) Tj ET Q q 0 0 0 rg BT 298.85 712.75 Td (derive ) Tj ET Q q 0 0 0 rg BT 329.80 712.75 Td (their ) Tj ET Q q 0 0 0 rg BT 352.97 712.75 Td (value ) Tj ET Q q 0 0 0 rg BT 380.60 712.75 Td (from ) Tj ET Q q 0 0 0 rg BT 404.31 712.75 Td (underlying ) Tj ET Q q 0 0 0 rg BT 454.18 712.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 495.70 712.75 Td (in ) Tj ET Q q 0 0 0 rg BT 507.20 712.75 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 99.95 700.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 133.46 700.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 179.77 700.75 Td (rates ) Tj ET Q q 0 0 0 rg BT 204.94 700.75 Td (or ) Tj ET Q q 0 0 0 rg BT 216.77 700.75 Td (other ) Tj ET Q q 0 0 0 rg BT 242.50 700.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 282.13 700.75 Td (or ) Tj ET Q q 0 0 0 rg BT 293.96 700.75 Td (commodity ) Tj ET Q q 0 0 0 rg BT 345.24 700.75 Td (prices ) Tj ET Q q 0 0 0 rg BT 374.86 700.75 Td (or ) Tj ET Q q 0 0 0 rg BT 386.69 700.75 Td (indices. ) Tj ET Q q 0 0 0 rg BT 423.53 700.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 470.93 700.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 525.55 700.75 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 688.75 Td (either ) Tj ET Q q 0 0 0 rg BT 101.51 688.75 Td (regulated ) Tj ET Q q 0 0 0 rg BT 147.71 688.75 Td (exchange-traded ) Tj ET Q q 0 0 0 rg BT 227.26 688.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 272.33 688.75 Td (or ) Tj ET Q q 0 0 0 rg BT 285.72 688.75 Td (negotiated ) Tj ET Q q 0 0 0 rg BT 336.92 688.75 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 414.79 688.75 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 462.64 688.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 489.91 688.75 Td (uses ) Tj ET Q q 0 0 0 rg BT 515.54 688.75 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 676.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 127.43 676.75 Td (for ) Tj ET Q q 0 0 0 rg BT 142.84 676.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 177.16 676.75 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 224.81 676.75 Td (as ) Tj ET Q q 0 0 0 rg BT 239.12 676.75 Td (well ) Tj ET Q q 0 0 0 rg BT 260.08 676.75 Td (as ) Tj ET Q q 0 0 0 rg BT 274.39 676.75 Td (to ) Tj ET Q q 0 0 0 rg BT 286.47 676.75 Td (manage ) Tj ET Q q 0 0 0 rg BT 326.35 676.75 Td (exposures, ) Tj ET Q q 0 0 0 rg BT 379.01 676.75 Td (mainly ) Tj ET Q q 0 0 0 rg BT 411.65 676.75 Td (to ) Tj ET Q q 0 0 0 rg BT 423.73 676.75 Td (currency ) Tj ET Q q 0 0 0 rg BT 465.81 676.75 Td (and ) Tj ET Q q 0 0 0 rg BT 486.24 676.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 522.77 676.75 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 664.75 Td (fluctuations, ) Tj ET Q q 0 0 0 rg BT 128.14 664.75 Td (as ) Tj ET Q q 0 0 0 rg BT 141.48 664.75 Td (part ) Tj ET Q q 0 0 0 rg BT 161.49 664.75 Td (of ) Tj ET Q q 0 0 0 rg BT 172.61 664.75 Td (its ) Tj ET Q q 0 0 0 rg BT 185.39 664.75 Td (asset/liability ) Tj ET Q q 0 0 0 rg BT 244.86 664.75 Td (management ) Tj ET Q q 0 0 0 rg BT 306.00 664.75 Td (program.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 641.16552734375 m 168.5234375 641.16552734375 l s q 0 0 0 rg BT 72.00 642.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.37 642.75 Td (ypes ) Tj ET Q q 0 0 0 rg BT 102.94 642.75 Td (of ) Tj ET Q q 0 0 0 rg BT 115.15 642.75 Td (Derivatives) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 627.75 Td (Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 612.75 Td (Swaps ) Tj ET Q q 0 0 0 rg BT 105.36 612.75 Td (are ) Tj ET Q q 0 0 0 rg BT 123.16 612.75 Td (contractual ) Tj ET Q q 0 0 0 rg BT 175.42 612.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 231.58 612.75 Td (between ) Tj ET Q q 0 0 0 rg BT 272.73 612.75 Td (two ) Tj ET Q q 0 0 0 rg BT 291.64 612.75 Td (parties ) Tj ET Q q 0 0 0 rg BT 325.00 612.75 Td (to ) Tj ET Q q 0 0 0 rg BT 336.69 612.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 383.40 612.75 Td (a ) Tj ET Q q 0 0 0 rg BT 392.31 612.75 Td (series ) Tj ET Q q 0 0 0 rg BT 422.33 612.75 Td (of ) Tj ET Q q 0 0 0 rg BT 434.02 612.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 458.49 612.75 Td (flows. ) Tj ET Q q 0 0 0 rg BT 487.18 612.75 Td (The ) Tj ET Q q 0 0 0 rg BT 507.76 612.75 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 600.75 Td (swap ) Tj ET Q q 0 0 0 rg BT 98.12 600.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 153.71 600.75 Td (that ) Tj ET Q q 0 0 0 rg BT 173.17 600.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 198.72 600.75 Td (enters ) Tj ET Q q 0 0 0 rg BT 229.29 600.75 Td (into ) Tj ET Q q 0 0 0 rg BT 248.20 600.75 Td (are ) Tj ET Q q 0 0 0 rg BT 265.43 600.75 Td (as ) Tj ET Q q 0 0 0 rg BT 278.77 600.75 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 578.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 578.75 Td (Interest ) Tj ET Q q 0 0 0 rg BT 144.41 578.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 164.71 578.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 196.11 578.75 Td ( ) Tj ET Q q 0 0 0 rg BT 204.74 578.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 271.17 578.75 Td (generally ) Tj ET Q q 0 0 0 rg BT 314.82 578.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 361.25 578.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 385.43 578.75 Td (and ) Tj ET Q q 0 0 0 rg BT 405.18 578.75 Td (floating ) Tj ET Q q 0 0 0 rg BT 440.49 578.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 460.78 578.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 496.64 578.75 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 566.75 Td (based ) Tj ET Q q 0 0 0 rg BT 138.02 566.75 Td (on ) Tj ET Q q 0 0 0 rg BT 151.93 566.75 Td (a ) Tj ET Q q 0 0 0 rg BT 160.27 566.75 Td (notional ) Tj ET Q q 0 0 0 rg BT 198.07 566.75 Td (value ) Tj ET Q q 0 0 0 rg BT 224.76 566.75 Td (in ) Tj ET Q q 0 0 0 rg BT 235.32 566.75 Td (a ) Tj ET Q q 0 0 0 rg BT 243.66 566.75 Td (single ) Tj ET Q q 0 0 0 rg BT 272.57 566.75 Td (currency) Tj ET Q q 0 0 0 rg BT 310.17 566.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 551.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 551.75 Td (Cross-currency ) Tj ET Q q 0 0 0 rg BT 180.15 551.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 212.86 551.75 Td ( ) Tj ET Q q 0 0 0 rg BT 222.78 551.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 248.27 551.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 269.87 551.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 307.02 551.75 Td (payments ) Tj ET Q q 0 0 0 rg BT 354.74 551.75 Td (and ) Tj ET Q q 0 0 0 rg BT 375.79 551.75 Td (principal ) Tj ET Q q 0 0 0 rg BT 417.39 551.75 Td (amounts ) Tj ET Q q 0 0 0 rg BT 460.11 551.75 Td (are ) Tj ET Q q 0 0 0 rg BT 478.93 551.75 Td (exchanged ) Tj ET Q q 0 0 0 rg BT 532.22 551.75 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 539.75 Td (dif) Tj ET Q q 0 0 0 rg BT 118.38 539.75 Td (ferent ) Tj ET Q q 0 0 0 rg BT 146.73 539.75 Td (currencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 524.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 524.75 Td (Cross-currency ) Tj ET Q q 0 0 0 rg BT 177.68 524.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 212.36 524.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 231.48 524.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 261.72 524.75 Td ( ) Tj ET Q q 0 0 0 rg BT 269.17 524.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 292.18 524.75 Td (and ) Tj ET Q q 0 0 0 rg BT 310.75 524.75 Td (floating ) Tj ET Q q 0 0 0 rg BT 344.89 524.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 364.01 524.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 398.69 524.75 Td (payments ) Tj ET Q q 0 0 0 rg BT 443.94 524.75 Td (and ) Tj ET Q q 0 0 0 rg BT 462.51 524.75 Td (principal ) Tj ET Q q 0 0 0 rg BT 501.64 524.75 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 512.75 Td (are ) Tj ET Q q 0 0 0 rg BT 125.23 512.75 Td (exchanged ) Tj ET Q q 0 0 0 rg BT 176.94 512.75 Td (in ) Tj ET Q q 0 0 0 rg BT 187.50 512.75 Td (dif) Tj ET Q q 0 0 0 rg BT 197.88 512.75 Td (ferent ) Tj ET Q q 0 0 0 rg BT 226.23 512.75 Td (currencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 497.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 497.75 Td (Equity ) Tj ET Q q 0 0 0 rg BT 137.22 497.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 167.00 497.75 Td ( ) Tj ET Q q 0 0 0 rg BT 173.99 497.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 238.79 497.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 283.59 497.75 Td (the ) Tj ET Q q 0 0 0 rg BT 298.92 497.75 Td (return ) Tj ET Q q 0 0 0 rg BT 326.47 497.75 Td (on ) Tj ET Q q 0 0 0 rg BT 339.02 497.75 Td (an ) Tj ET Q q 0 0 0 rg BT 351.58 497.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 379.69 497.75 Td (security ) Tj ET Q q 0 0 0 rg BT 415.57 497.75 Td (or ) Tj ET Q q 0 0 0 rg BT 425.89 497.75 Td (a ) Tj ET Q q 0 0 0 rg BT 432.88 497.75 Td (group ) Tj ET Q q 0 0 0 rg BT 459.89 497.75 Td (of ) Tj ET Q q 0 0 0 rg BT 469.66 497.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 497.77 497.75 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 485.75 Td (for ) Tj ET Q q 0 0 0 rg BT 123.01 485.75 Td (the ) Tj ET Q q 0 0 0 rg BT 140.25 485.75 Td (return ) Tj ET Q q 0 0 0 rg BT 169.71 485.75 Td (based ) Tj ET Q q 0 0 0 rg BT 200.30 485.75 Td (on ) Tj ET Q q 0 0 0 rg BT 214.76 485.75 Td (a ) Tj ET Q q 0 0 0 rg BT 223.66 485.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 248.13 485.75 Td (or ) Tj ET Q q 0 0 0 rg BT 260.36 485.75 Td (floating ) Tj ET Q q 0 0 0 rg BT 295.94 485.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 332.08 485.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 352.65 485.75 Td (or ) Tj ET Q q 0 0 0 rg BT 364.88 485.75 Td (the ) Tj ET Q q 0 0 0 rg BT 382.12 485.75 Td (return ) Tj ET Q q 0 0 0 rg BT 411.58 485.75 Td (on ) Tj ET Q q 0 0 0 rg BT 426.05 485.75 Td (another ) Tj ET Q q 0 0 0 rg BT 463.30 485.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 493.33 485.75 Td (security ) Tj ET Q q 0 0 0 rg BT 531.12 485.75 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 473.75 Td (group ) Tj ET Q q 0 0 0 rg BT 136.35 473.75 Td (of ) Tj ET Q q 0 0 0 rg BT 147.47 473.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 176.94 473.75 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 458.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 458.75 Td (Credit ) Tj ET Q q 0 0 0 rg BT 136.80 458.75 Td (default ) Tj ET Q q 0 0 0 rg BT 168.95 458.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 199.41 458.75 Td ( ) Tj ET Q q 0 0 0 rg BT 207.10 458.75 Td (one ) Tj ET Q q 0 0 0 rg BT 225.91 458.75 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 283.61 458.75 Td (pays ) Tj ET Q q 0 0 0 rg BT 306.86 458.75 Td (the ) Tj ET Q q 0 0 0 rg BT 322.88 458.75 Td (other ) Tj ET Q q 0 0 0 rg BT 347.80 458.75 Td (a ) Tj ET Q q 0 0 0 rg BT 355.49 458.75 Td (fee ) Tj ET Q q 0 0 0 rg BT 371.51 458.75 Td (in ) Tj ET Q q 0 0 0 rg BT 381.42 458.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 426.91 458.75 Td (for ) Tj ET Q q 0 0 0 rg BT 440.70 458.75 Td (that ) Tj ET Q q 0 0 0 rg BT 459.50 458.75 Td (other ) Tj ET Q q 0 0 0 rg BT 484.42 458.75 Td (counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 446.75 Td (agreeing ) Tj ET Q q 0 0 0 rg BT 149.70 446.75 Td (to ) Tj ET Q q 0 0 0 rg BT 160.82 446.75 Td (make ) Tj ET Q q 0 0 0 rg BT 188.05 446.75 Td (a ) Tj ET Q q 0 0 0 rg BT 196.39 446.75 Td (payment ) Tj ET Q q 0 0 0 rg BT 237.52 446.75 Td (if ) Tj ET Q q 0 0 0 rg BT 245.30 446.75 Td (a ) Tj ET Q q 0 0 0 rg BT 253.64 446.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 280.87 446.75 Td (event ) Tj ET Q q 0 0 0 rg BT 308.11 446.75 Td (occurs, ) Tj ET Q q 0 0 0 rg BT 343.12 446.75 Td (such ) Tj ET Q q 0 0 0 rg BT 367.02 446.75 Td (as ) Tj ET Q q 0 0 0 rg BT 380.36 446.75 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 432.06 446.75 Td (or ) Tj ET Q q 0 0 0 rg BT 443.73 446.75 Td (failure ) Tj ET Q q 0 0 0 rg BT 473.74 446.75 Td (to ) Tj ET Q q 0 0 0 rg BT 484.86 446.75 Td (pay) Tj ET Q q 0 0 0 rg BT 500.24 446.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.50 431.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 431.75 Td (T) Tj ET Q q 0 0 0 rg BT 113.00 431.75 Td (otal ) Tj ET Q q 0 0 0 rg BT 131.56 431.75 Td (return ) Tj ET Q q 0 0 0 rg BT 160.12 431.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 190.90 431.75 Td ( ) Tj ET Q q 0 0 0 rg BT 198.90 431.75 Td (one ) Tj ET Q q 0 0 0 rg BT 218.03 431.75 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 276.05 431.75 Td (agrees ) Tj ET Q q 0 0 0 rg BT 309.06 431.75 Td (to ) Tj ET Q q 0 0 0 rg BT 319.84 431.75 Td (pay ) Tj ET Q q 0 0 0 rg BT 338.40 431.75 Td (or ) Tj ET Q q 0 0 0 rg BT 349.73 431.75 Td (receive ) Tj ET Q q 0 0 0 rg BT 384.41 431.75 Td (from ) Tj ET Q q 0 0 0 rg BT 406.85 431.75 Td (the ) Tj ET Q q 0 0 0 rg BT 423.19 431.75 Td (other ) Tj ET Q q 0 0 0 rg BT 448.42 431.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 471.98 431.75 Td (amounts ) Tj ET Q q 0 0 0 rg BT 512.77 431.75 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 419.75 Td (on ) Tj ET Q q 0 0 0 rg BT 120.89 419.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 160.46 419.75 Td (in ) Tj ET Q q 0 0 0 rg BT 170.00 419.75 Td (the ) Tj ET Q q 0 0 0 rg BT 185.67 419.75 Td (value ) Tj ET Q q 0 0 0 rg BT 211.34 419.75 Td (of ) Tj ET Q q 0 0 0 rg BT 221.44 419.75 Td (a ) Tj ET Q q 0 0 0 rg BT 228.77 419.75 Td (reference ) Tj ET Q q 0 0 0 rg BT 272.78 419.75 Td (asset ) Tj ET Q q 0 0 0 rg BT 298.44 419.75 Td (or ) Tj ET Q q 0 0 0 rg BT 309.10 419.75 Td (group ) Tj ET Q q 0 0 0 rg BT 336.44 419.75 Td (of ) Tj ET Q q 0 0 0 rg BT 346.54 419.75 Td (assets, ) Tj ET Q q 0 0 0 rg BT 379.99 419.75 Td (including ) Tj ET Q q 0 0 0 rg BT 421.22 419.75 Td (any ) Tj ET Q q 0 0 0 rg BT 439.11 419.75 Td (returns ) Tj ET Q q 0 0 0 rg BT 472.00 419.75 Td (such ) Tj ET Q q 0 0 0 rg BT 494.88 419.75 Td (as ) Tj ET Q q 0 0 0 rg BT 507.21 419.75 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 407.75 Td (earned ) Tj ET Q q 0 0 0 rg BT 141.25 407.75 Td (on ) Tj ET Q q 0 0 0 rg BT 154.49 407.75 Td (these ) Tj ET Q q 0 0 0 rg BT 181.07 407.75 Td (assets, ) Tj ET Q q 0 0 0 rg BT 214.87 407.75 Td (in ) Tj ET Q q 0 0 0 rg BT 224.77 407.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 270.25 407.75 Td (for ) Tj ET Q q 0 0 0 rg BT 284.04 407.75 Td (amounts ) Tj ET Q q 0 0 0 rg BT 324.51 407.75 Td (that ) Tj ET Q q 0 0 0 rg BT 343.31 407.75 Td (are ) Tj ET Q q 0 0 0 rg BT 359.88 407.75 Td (based ) Tj ET Q q 0 0 0 rg BT 389.24 407.75 Td (on ) Tj ET Q q 0 0 0 rg BT 402.48 407.75 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 447.40 407.75 Td (market ) Tj ET Q q 0 0 0 rg BT 480.07 407.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 515.00 407.75 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 385.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.34 385.75 Td (main ) Tj ET Q q 0 0 0 rg BT 117.13 385.75 Td (risks ) Tj ET Q q 0 0 0 rg BT 140.80 385.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 191.72 385.75 Td (with ) Tj ET Q q 0 0 0 rg BT 212.62 385.75 Td (these ) Tj ET Q q 0 0 0 rg BT 240.19 385.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 294.99 385.75 Td (are ) Tj ET Q q 0 0 0 rg BT 312.56 385.75 Td (related ) Tj ET Q q 0 0 0 rg BT 346.25 385.75 Td (to ) Tj ET Q q 0 0 0 rg BT 357.70 385.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 401.95 385.75 Td (to ) Tj ET Q q 0 0 0 rg BT 413.40 385.75 Td (movements ) Tj ET Q q 0 0 0 rg BT 468.20 385.75 Td (in ) Tj ET Q q 0 0 0 rg BT 479.10 385.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 515.00 385.75 Td (rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 373.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 104.18 373.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 149.14 373.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 175.75 373.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 201.81 373.75 Td (quality) Tj ET Q q 0 0 0 rg BT 229.97 373.75 Td (, ) Tj ET Q q 0 0 0 rg BT 234.35 373.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 278.18 373.75 Td (values ) Tj ET Q q 0 0 0 rg BT 308.69 373.75 Td (or ) Tj ET Q q 0 0 0 rg BT 319.18 373.75 Td (commodities ) Tj ET Q q 0 0 0 rg BT 376.91 373.75 Td (prices, ) Tj ET Q q 0 0 0 rg BT 407.96 373.75 Td (as ) Tj ET Q q 0 0 0 rg BT 420.12 373.75 Td (applicable, ) Tj ET Q q 0 0 0 rg BT 469.54 373.75 Td (and ) Tj ET Q q 0 0 0 rg BT 487.82 373.75 Td (the ) Tj ET Q q 0 0 0 rg BT 503.32 373.75 Td (possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 361.75 Td (inability ) Tj ET Q q 0 0 0 rg BT 108.13 361.75 Td (of ) Tj ET Q q 0 0 0 rg BT 119.25 361.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 185.39 361.75 Td (to ) Tj ET Q q 0 0 0 rg BT 196.51 361.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 221.52 361.75 Td (the ) Tj ET Q q 0 0 0 rg BT 238.20 361.75 Td (terms ) Tj ET Q q 0 0 0 rg BT 265.98 361.75 Td (of ) Tj ET Q q 0 0 0 rg BT 277.10 361.75 Td (the ) Tj ET Q q 0 0 0 rg BT 293.78 361.75 Td (contracts.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 339.75 Td (Forwards ) Tj ET Q q 0 0 0 rg BT 119.79 339.75 Td (and ) Tj ET Q q 0 0 0 rg BT 140.34 339.75 Td (Futures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 324.75 Td (Forwards ) Tj ET Q q 0 0 0 rg BT 117.23 324.75 Td (and ) Tj ET Q q 0 0 0 rg BT 137.47 324.75 Td (futures ) Tj ET Q q 0 0 0 rg BT 171.59 324.75 Td (are ) Tj ET Q q 0 0 0 rg BT 189.60 324.75 Td (contractual ) Tj ET Q q 0 0 0 rg BT 242.07 324.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 298.43 324.75 Td (to ) Tj ET Q q 0 0 0 rg BT 310.33 324.75 Td (either ) Tj ET Q q 0 0 0 rg BT 338.90 324.75 Td (buy ) Tj ET Q q 0 0 0 rg BT 358.57 324.75 Td (or ) Tj ET Q q 0 0 0 rg BT 371.02 324.75 Td (sell ) Tj ET Q q 0 0 0 rg BT 389.58 324.75 Td (a ) Tj ET Q q 0 0 0 rg BT 398.69 324.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 441.72 324.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 478.62 324.75 Td (of ) Tj ET Q q 0 0 0 rg BT 490.52 324.75 Td (a ) Tj ET Q q 0 0 0 rg BT 499.63 324.75 Td (currency) Tj ET Q q 0 0 0 rg BT 537.24 324.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 312.75 Td (commodity) Tj ET Q q 0 0 0 rg BT 119.60 312.75 Td (, ) Tj ET Q q 0 0 0 rg BT 125.25 312.75 Td (interest-rate-sensitive ) Tj ET Q q 0 0 0 rg BT 223.72 312.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 263.28 312.75 Td (instrument ) Tj ET Q q 0 0 0 rg BT 312.83 312.75 Td (or ) Tj ET Q q 0 0 0 rg BT 324.60 312.75 Td (security ) Tj ET Q q 0 0 0 rg BT 361.92 312.75 Td (at ) Tj ET Q q 0 0 0 rg BT 373.13 312.75 Td (a ) Tj ET Q q 0 0 0 rg BT 381.57 312.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 417.79 312.75 Td (price ) Tj ET Q q 0 0 0 rg BT 442.33 312.75 Td (and ) Tj ET Q q 0 0 0 rg BT 461.89 312.75 Td (date ) Tj ET Q q 0 0 0 rg BT 484.22 312.75 Td (in ) Tj ET Q q 0 0 0 rg BT 494.88 312.75 Td (the ) Tj ET Q q 0 0 0 rg BT 511.65 312.75 Td (future. ) Tj ET Q q 0 0 0 rg BT 542.78 312.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 300.75 Td (Forwards ) Tj ET Q q 0 0 0 rg BT 117.24 300.75 Td (are ) Tj ET Q q 0 0 0 rg BT 135.26 300.75 Td (customized ) Tj ET Q q 0 0 0 rg BT 189.41 300.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 233.55 300.75 Td (transacted ) Tj ET Q q 0 0 0 rg BT 283.81 300.75 Td (in ) Tj ET Q q 0 0 0 rg BT 295.16 300.75 Td (the ) Tj ET Q q 0 0 0 rg BT 312.63 300.75 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 389.57 300.75 Td (market. ) Tj ET Q q 0 0 0 rg BT 426.47 300.75 Td (Futures ) Tj ET Q q 0 0 0 rg BT 463.94 300.75 Td (are ) Tj ET Q q 0 0 0 rg BT 481.96 300.75 Td (transacted ) Tj ET Q q 0 0 0 rg BT 532.23 300.75 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 288.75 Td (standardized ) Tj ET Q q 0 0 0 rg BT 132.04 288.75 Td (amounts ) Tj ET Q q 0 0 0 rg BT 173.17 288.75 Td (on ) Tj ET Q q 0 0 0 rg BT 187.07 288.75 Td (regulated ) Tj ET Q q 0 0 0 rg BT 231.55 288.75 Td (exchanges ) Tj ET Q q 0 0 0 rg BT 282.70 288.75 Td (and ) Tj ET Q q 0 0 0 rg BT 302.16 288.75 Td (are ) Tj ET Q q 0 0 0 rg BT 319.39 288.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 353.86 288.75 Td (to ) Tj ET Q q 0 0 0 rg BT 364.97 288.75 Td (daily ) Tj ET Q q 0 0 0 rg BT 388.32 288.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 412.22 288.75 Td (margining.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 266.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.81 266.75 Td (main ) Tj ET Q q 0 0 0 rg BT 120.06 266.75 Td (risks ) Tj ET Q q 0 0 0 rg BT 145.18 266.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 197.57 266.75 Td (with ) Tj ET Q q 0 0 0 rg BT 219.92 266.75 Td (these ) Tj ET Q q 0 0 0 rg BT 248.96 266.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 305.22 266.75 Td (arise ) Tj ET Q q 0 0 0 rg BT 331.47 266.75 Td (from ) Tj ET Q q 0 0 0 rg BT 356.05 266.75 Td (the ) Tj ET Q q 0 0 0 rg BT 374.52 266.75 Td (possible ) Tj ET Q q 0 0 0 rg BT 415.79 266.75 Td (inability ) Tj ET Q q 0 0 0 rg BT 453.71 266.75 Td (of ) Tj ET Q q 0 0 0 rg BT 466.63 266.75 Td (over-the-counter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 254.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 138.82 254.75 Td (to ) Tj ET Q q 0 0 0 rg BT 150.62 254.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 176.31 254.75 Td (the ) Tj ET Q q 0 0 0 rg BT 193.66 254.75 Td (terms ) Tj ET Q q 0 0 0 rg BT 222.12 254.75 Td (of ) Tj ET Q q 0 0 0 rg BT 233.91 254.75 Td (the ) Tj ET Q q 0 0 0 rg BT 251.27 254.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 295.29 254.75 Td (and ) Tj ET Q q 0 0 0 rg BT 315.43 254.75 Td (from ) Tj ET Q q 0 0 0 rg BT 338.89 254.75 Td (movements ) Tj ET Q q 0 0 0 rg BT 394.03 254.75 Td (in ) Tj ET Q q 0 0 0 rg BT 405.27 254.75 Td (commodities ) Tj ET Q q 0 0 0 rg BT 464.85 254.75 Td (prices, ) Tj ET Q q 0 0 0 rg BT 497.76 254.75 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 242.75 Td (values, ) Tj ET Q q 0 0 0 rg BT 106.46 242.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 142.03 242.75 Td (rates ) Tj ET Q q 0 0 0 rg BT 167.04 242.75 Td (and ) Tj ET Q q 0 0 0 rg BT 186.51 242.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 219.86 242.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 266.01 242.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 293.80 242.75 Td (as ) Tj ET Q q 0 0 0 rg BT 307.14 242.75 Td (applicable.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 220.75 Td (Options) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 205.75 Td (Options ) Tj ET Q q 0 0 0 rg BT 109.65 205.75 Td (are ) Tj ET Q q 0 0 0 rg BT 127.30 205.75 Td (contractual ) Tj ET Q q 0 0 0 rg BT 179.41 205.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 235.41 205.75 Td (that ) Tj ET Q q 0 0 0 rg BT 255.28 205.75 Td (convey ) Tj ET Q q 0 0 0 rg BT 290.16 205.75 Td (to ) Tj ET Q q 0 0 0 rg BT 301.69 205.75 Td (the ) Tj ET Q q 0 0 0 rg BT 318.78 205.75 Td (purchaser ) Tj ET Q q 0 0 0 rg BT 366.44 205.75 Td (the ) Tj ET Q q 0 0 0 rg BT 383.53 205.75 Td (right ) Tj ET Q q 0 0 0 rg BT 406.18 205.75 Td (but ) Tj ET Q q 0 0 0 rg BT 423.27 205.75 Td (not ) Tj ET Q q 0 0 0 rg BT 440.36 205.75 Td (the ) Tj ET Q q 0 0 0 rg BT 457.46 205.75 Td (obligation ) Tj ET Q q 0 0 0 rg BT 503.46 205.75 Td (to ) Tj ET Q q 0 0 0 rg BT 514.99 205.75 Td (either ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 193.75 Td (buy ) Tj ET Q q 0 0 0 rg BT 89.74 193.75 Td (or ) Tj ET Q q 0 0 0 rg BT 100.25 193.75 Td (sell ) Tj ET Q q 0 0 0 rg BT 116.87 193.75 Td (a ) Tj ET Q q 0 0 0 rg BT 124.04 193.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 165.13 193.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 200.10 193.75 Td (of ) Tj ET Q q 0 0 0 rg BT 210.05 193.75 Td (a ) Tj ET Q q 0 0 0 rg BT 217.23 193.75 Td (currency) Tj ET Q q 0 0 0 rg BT 254.83 193.75 Td (, ) Tj ET Q q 0 0 0 rg BT 259.23 193.75 Td (commodity) Tj ET Q q 0 0 0 rg BT 306.83 193.75 Td (, ) Tj ET Q q 0 0 0 rg BT 311.22 193.75 Td (interest-rate-sensitive ) Tj ET Q q 0 0 0 rg BT 408.43 193.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 446.74 193.75 Td (instrument ) Tj ET Q q 0 0 0 rg BT 495.04 193.75 Td (or ) Tj ET Q q 0 0 0 rg BT 505.54 193.75 Td (security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 181.75 Td (at ) Tj ET Q q 0 0 0 rg BT 82.93 181.75 Td (a ) Tj ET Q q 0 0 0 rg BT 91.09 181.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 114.81 181.75 Td (future ) Tj ET Q q 0 0 0 rg BT 142.97 181.75 Td (date ) Tj ET Q q 0 0 0 rg BT 165.03 181.75 Td (or ) Tj ET Q q 0 0 0 rg BT 176.51 181.75 Td (at ) Tj ET Q q 0 0 0 rg BT 187.45 181.75 Td (any ) Tj ET Q q 0 0 0 rg BT 206.16 181.75 Td (time ) Tj ET Q q 0 0 0 rg BT 227.65 181.75 Td (within ) Tj ET Q q 0 0 0 rg BT 255.81 181.75 Td (a ) Tj ET Q q 0 0 0 rg BT 263.96 181.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 287.68 181.75 Td (future ) Tj ET Q q 0 0 0 rg BT 315.85 181.75 Td (period. ) Tj ET Q q 0 0 0 rg BT 349.02 181.75 Td ( ) Tj ET Q q 0 0 0 rg BT 351.61 181.75 Td (For ) Tj ET Q q 0 0 0 rg BT 369.20 181.75 Td (options ) Tj ET Q q 0 0 0 rg BT 404.04 181.75 Td (written ) Tj ET Q q 0 0 0 rg BT 436.09 181.75 Td (by ) Tj ET Q q 0 0 0 rg BT 449.25 181.75 Td (BMO, ) Tj ET Q q 0 0 0 rg BT 477.40 181.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 502.77 181.75 Td (receives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 169.75 Td (a ) Tj ET Q q 0 0 0 rg BT 81.23 169.75 Td (premium ) Tj ET Q q 0 0 0 rg BT 123.79 169.75 Td (from ) Tj ET Q q 0 0 0 rg BT 147.45 169.75 Td (the ) Tj ET Q q 0 0 0 rg BT 165.02 169.75 Td (purchaser ) Tj ET Q q 0 0 0 rg BT 213.15 169.75 Td (for ) Tj ET Q q 0 0 0 rg BT 228.48 169.75 Td (accepting ) Tj ET Q q 0 0 0 rg BT 274.95 169.75 Td (market ) Tj ET Q q 0 0 0 rg BT 309.18 169.75 Td (risk. ) Tj ET Q q 0 0 0 rg BT 331.17 169.75 Td ( ) Tj ET Q q 0 0 0 rg BT 334.84 169.75 Td (For ) Tj ET Q q 0 0 0 rg BT 353.50 169.75 Td (options ) Tj ET Q q 0 0 0 rg BT 389.41 169.75 Td (purchased ) Tj ET Q q 0 0 0 rg BT 439.77 169.75 Td (by ) Tj ET Q q 0 0 0 rg BT 454.00 169.75 Td (BMO, ) Tj ET Q q 0 0 0 rg BT 483.22 169.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 509.66 169.75 Td (pays ) Tj ET Q q 0 0 0 rg BT 534.45 169.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 157.75 Td (premium ) Tj ET Q q 0 0 0 rg BT 113.12 157.75 Td (for ) Tj ET Q q 0 0 0 rg BT 127.01 157.75 Td (the ) Tj ET Q q 0 0 0 rg BT 143.13 157.75 Td (right ) Tj ET Q q 0 0 0 rg BT 164.81 157.75 Td (to ) Tj ET Q q 0 0 0 rg BT 175.37 157.75 Td (exercise ) Tj ET Q q 0 0 0 rg BT 214.83 157.75 Td (the ) Tj ET Q q 0 0 0 rg BT 230.95 157.75 Td (option. ) Tj ET Q q 0 0 0 rg BT 263.20 157.75 Td (Since ) Tj ET Q q 0 0 0 rg BT 290.44 157.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 315.44 157.75 Td (has ) Tj ET Q q 0 0 0 rg BT 333.78 157.75 Td (no ) Tj ET Q q 0 0 0 rg BT 347.13 157.75 Td (obligation ) Tj ET Q q 0 0 0 rg BT 392.16 157.75 Td (to ) Tj ET Q q 0 0 0 rg BT 402.72 157.75 Td (exercise ) Tj ET Q q 0 0 0 rg BT 442.18 157.75 Td (the ) Tj ET Q q 0 0 0 rg BT 458.31 157.75 Td (option, ) Tj ET Q q 0 0 0 rg BT 490.55 157.75 Td (the ) Tj ET Q q 0 0 0 rg BT 506.68 157.75 Td (primary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 145.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 115.51 145.75 Td (to ) Tj ET Q q 0 0 0 rg BT 126.22 145.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 144.14 145.75 Td (is ) Tj ET Q q 0 0 0 rg BT 153.73 145.75 Td (the ) Tj ET Q q 0 0 0 rg BT 170.00 145.75 Td (potential ) Tj ET Q q 0 0 0 rg BT 210.18 145.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 237.00 145.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 254.93 145.75 Td (if ) Tj ET Q q 0 0 0 rg BT 262.30 145.75 Td (the ) Tj ET Q q 0 0 0 rg BT 278.57 145.75 Td (writer ) Tj ET Q q 0 0 0 rg BT 305.38 145.75 Td (of ) Tj ET Q q 0 0 0 rg BT 316.09 145.75 Td (an ) Tj ET Q q 0 0 0 rg BT 329.58 145.75 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 405.32 145.75 Td (contract ) Tj ET Q q 0 0 0 rg BT 443.26 145.75 Td (fails ) Tj ET Q q 0 0 0 rg BT 463.42 145.75 Td (to ) Tj ET Q q 0 0 0 rg BT 474.13 145.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 498.73 145.75 Td (the ) Tj ET Q q 0 0 0 rg BT 515.00 145.75 Td (terms ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 133.75 Td (of ) Tj ET Q q 0 0 0 rg BT 83.12 133.75 Td (the ) Tj ET Q q 0 0 0 rg BT 99.80 133.75 Td (contract.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 111.75 Td (Caps, ) Tj ET Q q 0 0 0 rg BT 102.59 111.75 Td (collars ) Tj ET Q q 0 0 0 rg BT 135.95 111.75 Td (and ) Tj ET Q q 0 0 0 rg BT 157.10 111.75 Td (floors ) Tj ET Q q 0 0 0 rg BT 186.01 111.75 Td (are ) Tj ET Q q 0 0 0 rg BT 204.93 111.75 Td (specialized ) Tj ET Q q 0 0 0 rg BT 258.87 111.75 Td (types ) Tj ET Q q 0 0 0 rg BT 287.23 111.75 Td (of ) Tj ET Q q 0 0 0 rg BT 300.04 111.75 Td (written ) Tj ET Q q 0 0 0 rg BT 333.96 111.75 Td (and ) Tj ET Q q 0 0 0 rg BT 355.11 111.75 Td (purchased ) Tj ET Q q 0 0 0 rg BT 406.27 111.75 Td (options. ) Tj ET Q q 0 0 0 rg BT 445.47 111.75 Td (They ) Tj ET Q q 0 0 0 rg BT 472.16 111.75 Td (are ) Tj ET Q q 0 0 0 rg BT 491.08 111.75 Td (contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 99.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 128.52 99.75 Td (in ) Tj ET Q q 0 0 0 rg BT 140.02 99.75 Td (which ) Tj ET Q q 0 0 0 rg BT 169.30 99.75 Td (the ) Tj ET Q q 0 0 0 rg BT 186.91 99.75 Td (writer ) Tj ET Q q 0 0 0 rg BT 215.07 99.75 Td (agrees ) Tj ET Q q 0 0 0 rg BT 249.36 99.75 Td (to ) Tj ET Q q 0 0 0 rg BT 261.41 99.75 Td (pay ) Tj ET Q q 0 0 0 rg BT 281.24 99.75 Td (the ) Tj ET Q q 0 0 0 rg BT 298.86 99.75 Td (purchaser) Tj ET Q q 0 0 0 rg BT 342.77 99.75 Td (, ) Tj ET Q q 0 0 0 rg BT 349.27 99.75 Td (based ) Tj ET Q q 0 0 0 rg BT 380.22 99.75 Td (on ) Tj ET Q q 0 0 0 rg BT 395.06 99.75 Td (a ) Tj ET Q q 0 0 0 rg BT 404.33 99.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 447.52 99.75 Td (notional ) Tj ET Q q 0 0 0 rg BT 486.26 99.75 Td (amount, ) Tj ET Q q 0 0 0 rg BT 526.10 99.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 87.75 Td (dif) Tj ET Q q 0 0 0 rg BT 82.38 87.75 Td (ference ) Tj ET Q q 0 0 0 rg BT 118.53 87.75 Td (between ) Tj ET Q q 0 0 0 rg BT 159.14 87.75 Td (the ) Tj ET Q q 0 0 0 rg BT 175.84 87.75 Td (market ) Tj ET Q q 0 0 0 rg BT 209.20 87.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 229.22 87.75 Td (and ) Tj ET Q q 0 0 0 rg BT 248.71 87.75 Td (the ) Tj ET Q q 0 0 0 rg BT 265.40 87.75 Td (prescribed ) Tj ET Q q 0 0 0 rg BT 314.89 87.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 334.92 87.75 Td (of ) Tj ET Q q 0 0 0 rg BT 346.06 87.75 Td (the ) Tj ET Q q 0 0 0 rg BT 362.76 87.75 Td (cap, ) Tj ET Q q 0 0 0 rg BT 384.46 87.75 Td (collar ) Tj ET Q q 0 0 0 rg BT 411.15 87.75 Td (or ) Tj ET Q q 0 0 0 rg BT 422.84 87.75 Td (floor) Tj ET Q q 0 0 0 rg BT 441.74 87.75 Td (. ) Tj ET Q q 0 0 0 rg BT 447.13 87.75 Td (The ) Tj ET Q q 0 0 0 rg BT 467.16 87.75 Td (writer ) Tj ET Q q 0 0 0 rg BT 494.40 87.75 Td (receives ) Tj ET Q q 0 0 0 rg BT 534.44 87.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 75.75 Td (premium ) Tj ET Q q 0 0 0 rg BT 113.67 75.75 Td (for ) Tj ET Q q 0 0 0 rg BT 128.12 75.75 Td (selling ) Tj ET Q q 0 0 0 rg BT 159.25 75.75 Td (this ) Tj ET Q q 0 0 0 rg BT 177.59 75.75 Td (instrument.) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I10 Do Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 70.20 60.25 Td ( p1) Tj ET Q q 0 0 0 rg BT 536.23 60.25 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 72.00 712.75 Td (A) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 78.12 712.75 Td ( ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 81.01 712.75 Td (swaption ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 123.37 712.75 Td (is ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 133.48 712.75 Td (an ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 147.50 712.75 Td (option ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 177.63 712.75 Td (granting ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 216.66 712.75 Td (its ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 229.55 712.75 Td (owner ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 259.68 712.75 Td (the ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 276.47 712.75 Td (right ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 298.82 712.75 Td (but ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 315.61 712.75 Td (not ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 332.40 712.75 Td (the ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 349.19 712.75 Td (obligation ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 394.90 712.75 Td (to ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 406.13 712.75 Td (enter ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 431.81 712.75 Td (into ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 450.83 712.75 Td (an ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 464.84 712.75 Td (underlying ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 513.87 712.75 Td (swap. ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 542.78 712.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 72.00 701.75 Td (A) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 78.12 701.75 Td ( ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 80.90 701.75 Td (future ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 109.25 701.75 Td (option ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 139.27 701.75 Td (is ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 149.27 701.75 Td (an ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 163.17 701.75 Td (option ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 193.20 701.75 Td (contract ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 231.55 701.75 Td (in ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 242.11 701.75 Td (which ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 270.45 701.75 Td (the ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 287.13 701.75 Td (underlying ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 336.05 701.75 Td (instrument ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 385.52 701.75 Td (is ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 395.52 701.75 Td (a ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 403.86 701.75 Td (single ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 432.76 701.75 Td (futures ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 466.11 701.75 Td (contract.) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 678.16552734375 m 158.708984375 678.16552734375 l s q 0 0 0 rg BT 72.00 679.75 Td (Use ) Tj ET Q q 0 0 0 rg BT 93.12 679.75 Td (of ) Tj ET Q q 0 0 0 rg BT 105.34 679.75 Td (Derivatives) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 664.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.93 664.75 Td (rading ) Tj ET Q q 0 0 0 rg BT 111.26 664.75 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 649.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.74 649.75 Td (rading ) Tj ET Q q 0 0 0 rg BT 107.93 649.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 158.12 649.75 Td (include ) Tj ET Q q 0 0 0 rg BT 192.20 649.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 242.39 649.75 Td (entered ) Tj ET Q q 0 0 0 rg BT 278.70 649.75 Td (into ) Tj ET Q q 0 0 0 rg BT 297.22 649.75 Td (with ) Tj ET Q q 0 0 0 rg BT 317.39 649.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 365.91 649.75 Td (to ) Tj ET Q q 0 0 0 rg BT 376.64 649.75 Td (accommodate ) Tj ET Q q 0 0 0 rg BT 441.84 649.75 Td (their ) Tj ET Q q 0 0 0 rg BT 463.69 649.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 481.63 649.75 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 637.75 Td (needs, ) Tj ET Q q 0 0 0 rg BT 104.35 637.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 154.46 637.75 Td (transacted ) Tj ET Q q 0 0 0 rg BT 203.48 637.75 Td (to ) Tj ET Q q 0 0 0 rg BT 214.14 637.75 Td (generate ) Tj ET Q q 0 0 0 rg BT 255.94 637.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 288.84 637.75 Td (income ) Tj ET Q q 0 0 0 rg BT 323.40 637.75 Td (from ) Tj ET Q q 0 0 0 rg BT 345.72 637.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 370.54 637.75 Td (s ) Tj ET Q q 0 0 0 rg BT 377.86 637.75 Td (own ) Tj ET Q q 0 0 0 rg BT 398.52 637.75 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 448.64 637.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 481.54 637.75 Td (positions ) Tj ET Q q 0 0 0 rg BT 523.33 637.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 625.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 105.82 625.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 157.43 625.75 Td (that ) Tj ET Q q 0 0 0 rg BT 177.92 625.75 Td (do ) Tj ET Q q 0 0 0 rg BT 192.85 625.75 Td (not ) Tj ET Q q 0 0 0 rg BT 210.56 625.75 Td (qualify ) Tj ET Q q 0 0 0 rg BT 243.28 625.75 Td (as ) Tj ET Q q 0 0 0 rg BT 257.65 625.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 294.27 625.75 Td (for ) Tj ET Q q 0 0 0 rg BT 309.75 625.75 Td (accounting ) Tj ET Q q 0 0 0 rg BT 361.93 625.75 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 409.65 625.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 436.24 625.75 Td (structures ) Tj ET Q q 0 0 0 rg BT 483.95 625.75 Td (and ) Tj ET Q q 0 0 0 rg BT 504.45 625.75 Td (markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 613.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 117.58 613.75 Td (products ) Tj ET Q q 0 0 0 rg BT 158.71 613.75 Td (to ) Tj ET Q q 0 0 0 rg BT 169.83 613.75 Td (enable ) Tj ET Q q 0 0 0 rg BT 202.63 613.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 251.54 613.75 Td (to ) Tj ET Q q 0 0 0 rg BT 262.65 613.75 Td (transfer) Tj ET Q q 0 0 0 rg BT 296.00 613.75 Td (, ) Tj ET Q q 0 0 0 rg BT 301.56 613.75 Td (modify ) Tj ET Q q 0 0 0 rg BT 333.79 613.75 Td (or ) Tj ET Q q 0 0 0 rg BT 345.46 613.75 Td (reduce ) Tj ET Q q 0 0 0 rg BT 378.82 613.75 Td (current ) Tj ET Q q 0 0 0 rg BT 412.72 613.75 Td (or ) Tj ET Q q 0 0 0 rg BT 424.39 613.75 Td (expected ) Tj ET Q q 0 0 0 rg BT 467.75 613.75 Td (risks. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 591.75 Td (Hedging ) Tj ET Q q 0 0 0 rg BT 114.77 591.75 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 576.75 Td (In ) Tj ET Q q 0 0 0 rg BT 83.93 576.75 Td (accordance ) Tj ET Q q 0 0 0 rg BT 139.21 576.75 Td (with ) Tj ET Q q 0 0 0 rg BT 160.58 576.75 Td (its ) Tj ET Q q 0 0 0 rg BT 174.17 576.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 193.31 576.75 Td (management ) Tj ET Q q 0 0 0 rg BT 255.26 576.75 Td (strategy) Tj ET Q q 0 0 0 rg BT 290.09 576.75 Td (, ) Tj ET Q q 0 0 0 rg BT 296.46 576.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 322.82 576.75 Td (enters ) Tj ET Q q 0 0 0 rg BT 354.20 576.75 Td (into ) Tj ET Q q 0 0 0 rg BT 373.91 576.75 Td (various ) Tj ET Q q 0 0 0 rg BT 409.74 576.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 456.12 576.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 500.28 576.75 Td (to ) Tj ET Q q 0 0 0 rg BT 512.21 576.75 Td (hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 564.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 107.57 564.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 127.58 564.75 Td (and ) Tj ET Q q 0 0 0 rg BT 147.04 564.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 180.40 564.75 Td (currency ) Tj ET Q q 0 0 0 rg BT 221.52 564.75 Td (exposures.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 541.16552734375 m 138.1328125 541.16552734375 l s q 0 0 0 rg BT 72.00 542.75 Td (Risks ) Tj ET Q q 0 0 0 rg BT 101.46 542.75 Td (Hedged) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 527.75 Td (Interest ) Tj ET Q q 0 0 0 rg BT 110.90 527.75 Td (Rate ) Tj ET Q q 0 0 0 rg BT 135.35 527.75 Td (Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 512.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.29 512.75 Td (manages ) Tj ET Q q 0 0 0 rg BT 140.95 512.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 176.25 512.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 196.00 512.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 214.07 512.75 Td (through ) Tj ET Q q 0 0 0 rg BT 250.50 512.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 285.81 512.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 305.55 512.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 336.41 512.75 Td (and ) Tj ET Q q 0 0 0 rg BT 355.61 512.75 Td (options, ) Tj ET Q q 0 0 0 rg BT 393.15 512.75 Td (which ) Tj ET Q q 0 0 0 rg BT 421.23 512.75 Td (are ) Tj ET Q q 0 0 0 rg BT 438.20 512.75 Td (linked ) Tj ET Q q 0 0 0 rg BT 466.85 512.75 Td (to ) Tj ET Q q 0 0 0 rg BT 477.70 512.75 Td (and ) Tj ET Q q 0 0 0 rg BT 496.90 512.75 Td (adjust ) Tj ET Q q 0 0 0 rg BT 526.10 512.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 500.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 107.62 500.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 127.69 500.75 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 173.86 500.75 Td (of ) Tj ET Q q 0 0 0 rg BT 185.03 500.75 Td (a ) Tj ET Q q 0 0 0 rg BT 193.43 500.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 229.60 500.75 Td (asset, ) Tj ET Q q 0 0 0 rg BT 259.11 500.75 Td (liability) Tj ET Q q 0 0 0 rg BT 288.38 500.75 Td (, ) Tj ET Q q 0 0 0 rg BT 293.99 500.75 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 343.51 500.75 Td (transaction ) Tj ET Q q 0 0 0 rg BT 395.26 500.75 Td (or ) Tj ET Q q 0 0 0 rg BT 406.98 500.75 Td (firm ) Tj ET Q q 0 0 0 rg BT 426.48 500.75 Td (commitment, ) Tj ET Q q 0 0 0 rg BT 486.54 500.75 Td (or ) Tj ET Q q 0 0 0 rg BT 498.26 500.75 Td (a ) Tj ET Q q 0 0 0 rg BT 506.65 500.75 Td (specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 488.75 Td (pool ) Tj ET Q q 0 0 0 rg BT 93.68 488.75 Td (of ) Tj ET Q q 0 0 0 rg BT 104.80 488.75 Td (transactions ) Tj ET Q q 0 0 0 rg BT 161.50 488.75 Td (with ) Tj ET Q q 0 0 0 rg BT 182.06 488.75 Td (similar ) Tj ET Q q 0 0 0 rg BT 213.72 488.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 232.05 488.75 Td (characteristics.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 466.75 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 111.44 466.75 Td (Currency ) Tj ET Q q 0 0 0 rg BT 158.13 466.75 Td (Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 451.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 100.22 451.75 Td (manages ) Tj ET Q q 0 0 0 rg BT 146.79 451.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 182.80 451.75 Td (currency ) Tj ET Q q 0 0 0 rg BT 226.58 451.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 247.57 451.75 Td (through ) Tj ET Q q 0 0 0 rg BT 286.93 451.75 Td (cross-currency ) Tj ET Q q 0 0 0 rg BT 357.93 451.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 391.71 451.75 Td (and ) Tj ET Q q 0 0 0 rg BT 413.83 451.75 Td (forward ) Tj ET Q q 0 0 0 rg BT 452.62 451.75 Td (contracts. ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 501.40 451.75 Td (W) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 510.66 451.75 Td (e ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 521.66 451.75 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 72.00 439.75 Td (sometimes ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 122.20 439.75 Td (economically ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 181.85 439.75 Td (hedge ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 211.51 439.75 Td (U.S. ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 232.81 439.75 Td (dollar ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 259.12 439.75 Td (earnings ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 299.33 439.75 Td (through ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 335.10 439.75 Td (forward ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 370.29 439.75 Td (foreign ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 402.72 439.75 Td (exchange ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 447.94 439.75 Td (contracts ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 490.37 439.75 Td (to ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 500.56 439.75 Td (minimize ) Tj ET Q BT /F1 10.00 Tf ET q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 72.00 427.75 Td (fluctuations ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 125.36 427.75 Td (in ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 135.93 427.75 Td (our ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 153.16 427.75 Td (Canadian ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 198.75 427.75 Td (dollar ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 225.98 427.75 Td (earnings ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 267.12 427.75 Td (due ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 286.58 427.75 Td (to ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 297.70 427.75 Td (the ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 314.38 427.75 Td (translation ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 363.30 427.75 Td (of ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 374.42 427.75 Td (our ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 391.65 427.75 Td (U.S. ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 413.88 427.75 Td (dollar ) Tj ET Q q 0.13333333333333333 0.11764705882352941 0.12156862745098039 rg BT 441.11 427.75 Td (earnings.) Tj ET Q BT /F3 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 72.00 405.75 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 129.77 405.75 Td (Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 390.75 Td (In ) Tj ET Q q 0 0 0 rg BT 82.66 390.75 Td (order ) Tj ET Q q 0 0 0 rg BT 108.32 390.75 Td (for ) Tj ET Q q 0 0 0 rg BT 122.30 390.75 Td (a ) Tj ET Q q 0 0 0 rg BT 130.18 390.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 175.29 390.75 Td (to ) Tj ET Q q 0 0 0 rg BT 185.95 390.75 Td (qualify ) Tj ET Q q 0 0 0 rg BT 217.17 390.75 Td (as ) Tj ET Q q 0 0 0 rg BT 230.05 390.75 Td (an ) Tj ET Q q 0 0 0 rg BT 243.49 390.75 Td (accounting ) Tj ET Q q 0 0 0 rg BT 294.17 390.75 Td (hedge, ) Tj ET Q q 0 0 0 rg BT 327.07 390.75 Td (the ) Tj ET Q q 0 0 0 rg BT 343.29 390.75 Td (hedging ) Tj ET Q q 0 0 0 rg BT 381.20 390.75 Td (relationship ) Tj ET Q q 0 0 0 rg BT 434.66 390.75 Td (must ) Tj ET Q q 0 0 0 rg BT 458.64 390.75 Td (be ) Tj ET Q q 0 0 0 rg BT 472.08 390.75 Td (designated ) Tj ET Q q 0 0 0 rg BT 523.33 390.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 378.75 Td (formally ) Tj ET Q q 0 0 0 rg BT 109.38 378.75 Td (documented ) Tj ET Q q 0 0 0 rg BT 166.80 378.75 Td (at ) Tj ET Q q 0 0 0 rg BT 177.52 378.75 Td (its ) Tj ET Q q 0 0 0 rg BT 189.90 378.75 Td (inception, ) Tj ET Q q 0 0 0 rg BT 235.09 378.75 Td (detailing ) Tj ET Q q 0 0 0 rg BT 274.72 378.75 Td (the ) Tj ET Q q 0 0 0 rg BT 291.00 378.75 Td (particular ) Tj ET Q q 0 0 0 rg BT 334.51 378.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 352.44 378.75 Td (management ) Tj ET Q q 0 0 0 rg BT 413.19 378.75 Td (objective ) Tj ET Q q 0 0 0 rg BT 455.03 378.75 Td (and ) Tj ET Q q 0 0 0 rg BT 474.10 378.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 512.05 378.75 Td (for ) Tj ET Q q 0 0 0 rg BT 526.10 378.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 366.75 Td (hedge ) Tj ET Q q 0 0 0 rg BT 102.84 366.75 Td (and ) Tj ET Q q 0 0 0 rg BT 122.56 366.75 Td (the ) Tj ET Q q 0 0 0 rg BT 139.49 366.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 175.87 366.75 Td (asset, ) Tj ET Q q 0 0 0 rg BT 205.58 366.75 Td (liability ) Tj ET Q q 0 0 0 rg BT 238.63 366.75 Td (or ) Tj ET Q q 0 0 0 rg BT 250.55 366.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 274.71 366.75 Td (flow ) Tj ET Q q 0 0 0 rg BT 295.52 366.75 Td (being ) Tj ET Q q 0 0 0 rg BT 323.03 366.75 Td (hedged, ) Tj ET Q q 0 0 0 rg BT 362.21 366.75 Td (as ) Tj ET Q q 0 0 0 rg BT 375.80 366.75 Td (well ) Tj ET Q q 0 0 0 rg BT 396.06 366.75 Td (as ) Tj ET Q q 0 0 0 rg BT 409.66 366.75 Td (how ) Tj ET Q q 0 0 0 rg BT 431.03 366.75 Td (its ) Tj ET Q q 0 0 0 rg BT 444.07 366.75 Td (ef) Tj ET Q q 0 0 0 rg BT 452.23 366.75 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 505.28 366.75 Td (is ) Tj ET Q q 0 0 0 rg BT 515.54 366.75 Td (being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 354.75 Td (assessed. ) Tj ET Q q 0 0 0 rg BT 119.59 354.75 Td (Changes ) Tj ET Q q 0 0 0 rg BT 162.19 354.75 Td (in ) Tj ET Q q 0 0 0 rg BT 172.54 354.75 Td (the ) Tj ET Q q 0 0 0 rg BT 189.01 354.75 Td (fair ) Tj ET Q q 0 0 0 rg BT 205.47 354.75 Td (value ) Tj ET Q q 0 0 0 rg BT 231.94 354.75 Td (of ) Tj ET Q q 0 0 0 rg BT 242.85 354.75 Td (the ) Tj ET Q q 0 0 0 rg BT 259.32 354.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 304.69 354.75 Td (must ) Tj ET Q q 0 0 0 rg BT 328.92 354.75 Td (be ) Tj ET Q q 0 0 0 rg BT 342.61 354.75 Td (highly ) Tj ET Q q 0 0 0 rg BT 371.31 354.75 Td (ef) Tj ET Q q 0 0 0 rg BT 379.47 354.75 Td (fective ) Tj ET Q q 0 0 0 rg BT 410.94 354.75 Td (in ) Tj ET Q q 0 0 0 rg BT 421.29 354.75 Td (of) Tj ET Q q 0 0 0 rg BT 429.45 354.75 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 464.26 354.75 Td (either ) Tj ET Q q 0 0 0 rg BT 491.84 354.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 532.22 354.75 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 342.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.85 342.75 Td (fair ) Tj ET Q q 0 0 0 rg BT 105.69 342.75 Td (value ) Tj ET Q q 0 0 0 rg BT 132.55 342.75 Td (of ) Tj ET Q q 0 0 0 rg BT 143.84 342.75 Td (on-balance ) Tj ET Q q 0 0 0 rg BT 196.27 342.75 Td (sheet ) Tj ET Q q 0 0 0 rg BT 223.69 342.75 Td (items ) Tj ET Q q 0 0 0 rg BT 250.53 342.75 Td (caused ) Tj ET Q q 0 0 0 rg BT 285.73 342.75 Td (by ) Tj ET Q q 0 0 0 rg BT 299.24 342.75 Td (the ) Tj ET Q q 0 0 0 rg BT 316.09 342.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 334.59 342.75 Td (being ) Tj ET Q q 0 0 0 rg BT 362.01 342.75 Td (hedged ) Tj ET Q q 0 0 0 rg BT 398.33 342.75 Td (or ) Tj ET Q q 0 0 0 rg BT 410.17 342.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 450.93 342.75 Td (in ) Tj ET Q q 0 0 0 rg BT 461.67 342.75 Td (the ) Tj ET Q q 0 0 0 rg BT 478.52 342.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 514.82 342.75 Td (of ) Tj ET Q q 0 0 0 rg BT 526.11 342.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 330.75 Td (future ) Tj ET Q q 0 0 0 rg BT 100.53 330.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 124.61 330.75 Td (flows. ) Tj ET Q q 0 0 0 rg BT 153.13 330.75 Td (Hedge ) Tj ET Q q 0 0 0 rg BT 185.56 330.75 Td (ef) Tj ET Q q 0 0 0 rg BT 193.72 330.75 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 246.70 330.75 Td (is ) Tj ET Q q 0 0 0 rg BT 256.88 330.75 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 303.21 330.75 Td (at ) Tj ET Q q 0 0 0 rg BT 314.51 330.75 Td (the ) Tj ET Q q 0 0 0 rg BT 331.37 330.75 Td (inception ) Tj ET Q q 0 0 0 rg BT 374.36 330.75 Td (of ) Tj ET Q q 0 0 0 rg BT 385.66 330.75 Td (the ) Tj ET Q q 0 0 0 rg BT 402.52 330.75 Td (hedging ) Tj ET Q q 0 0 0 rg BT 441.07 330.75 Td (relationship ) Tj ET Q q 0 0 0 rg BT 495.17 330.75 Td (and ) Tj ET Q q 0 0 0 rg BT 514.81 330.75 Td (on ) Tj ET Q q 0 0 0 rg BT 528.89 330.75 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 318.75 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 113.44 318.75 Td (basis, ) Tj ET Q q 0 0 0 rg BT 145.42 318.75 Td (retrospectively ) Tj ET Q q 0 0 0 rg BT 215.74 318.75 Td (and ) Tj ET Q q 0 0 0 rg BT 238.28 318.75 Td (prospectively) Tj ET Q q 0 0 0 rg BT 295.90 318.75 Td (, ) Tj ET Q q 0 0 0 rg BT 304.53 318.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 348.16 318.75 Td (using ) Tj ET Q q 0 0 0 rg BT 377.92 318.75 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 434.92 318.75 Td (statistical ) Tj ET Q q 0 0 0 rg BT 481.90 318.75 Td (measures ) Tj ET Q q 0 0 0 rg BT 531.66 318.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 306.75 Td (correlation. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 284.75 Td (Cash ) Tj ET Q q 0 0 0 rg BT 99.23 284.75 Td (Flow ) Tj ET Q q 0 0 0 rg BT 124.78 284.75 Td (Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 269.75 Td (Cash ) Tj ET Q q 0 0 0 rg BT 98.01 269.75 Td (flow ) Tj ET Q q 0 0 0 rg BT 118.46 269.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 153.94 269.75 Td (modify ) Tj ET Q q 0 0 0 rg BT 186.06 269.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 229.86 269.75 Td (to ) Tj ET Q q 0 0 0 rg BT 240.87 269.75 Td (variability ) Tj ET Q q 0 0 0 rg BT 285.21 269.75 Td (in ) Tj ET Q q 0 0 0 rg BT 295.67 269.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 319.46 269.75 Td (flows ) Tj ET Q q 0 0 0 rg BT 344.91 269.75 Td (for ) Tj ET Q q 0 0 0 rg BT 359.24 269.75 Td (variable ) Tj ET Q q 0 0 0 rg BT 396.93 269.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 416.83 269.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 452.29 269.75 Td (bearing ) Tj ET Q q 0 0 0 rg BT 488.31 269.75 Td (instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 257.75 Td (and ) Tj ET Q q 0 0 0 rg BT 90.92 257.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 122.05 257.75 Td (and ) Tj ET Q q 0 0 0 rg BT 140.96 257.75 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 180.99 257.75 Td (denominated ) Tj ET Q q 0 0 0 rg BT 241.04 257.75 Td (in ) Tj ET Q q 0 0 0 rg BT 251.06 257.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 283.87 257.75 Td (currencies. ) Tj ET Q q 0 0 0 rg BT 335.00 257.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 359.82 257.75 Td (s ) Tj ET Q q 0 0 0 rg BT 367.05 257.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 390.41 257.75 Td (flow ) Tj ET Q q 0 0 0 rg BT 410.42 257.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 445.46 257.75 Td (are ) Tj ET Q q 0 0 0 rg BT 462.15 257.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 497.19 257.75 Td (of ) Tj ET Q q 0 0 0 rg BT 507.76 257.75 Td (floating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 245.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 92.01 245.75 Td (loans ) Tj ET Q q 0 0 0 rg BT 118.69 245.75 Td (and ) Tj ET Q q 0 0 0 rg BT 138.16 245.75 Td (deposits ) Tj ET Q q 0 0 0 rg BT 178.18 245.75 Td (as ) Tj ET Q q 0 0 0 rg BT 191.52 245.75 Td (well ) Tj ET Q q 0 0 0 rg BT 211.53 245.75 Td (as ) Tj ET Q q 0 0 0 rg BT 224.87 245.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 256.55 245.75 Td (and ) Tj ET Q q 0 0 0 rg BT 276.01 245.75 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 316.58 245.75 Td (denominated ) Tj ET Q q 0 0 0 rg BT 377.18 245.75 Td (in ) Tj ET Q q 0 0 0 rg BT 387.74 245.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 421.10 245.75 Td (currencies.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 223.75 Td (Fair ) Tj ET Q q 0 0 0 rg BT 93.12 223.75 Td (V) Tj ET Q q 0 0 0 rg BT 99.42 223.75 Td (alue ) Tj ET Q q 0 0 0 rg BT 122.21 223.75 Td (Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 208.75 Td (Fair ) Tj ET Q q 0 0 0 rg BT 91.91 208.75 Td (value ) Tj ET Q q 0 0 0 rg BT 118.51 208.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 154.00 208.75 Td (modify ) Tj ET Q q 0 0 0 rg BT 186.14 208.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 229.97 208.75 Td (to ) Tj ET Q q 0 0 0 rg BT 241.00 208.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 281.50 208.75 Td (in ) Tj ET Q q 0 0 0 rg BT 291.97 208.75 Td (a ) Tj ET Q q 0 0 0 rg BT 300.22 208.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 324.03 208.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 343.95 208.75 Td (instrument) Tj ET Q q 0 0 0 rg BT 392.68 208.75 Td (s ) Tj ET Q q 0 0 0 rg BT 400.37 208.75 Td (fair ) Tj ET Q q 0 0 0 rg BT 416.95 208.75 Td (value ) Tj ET Q q 0 0 0 rg BT 443.54 208.75 Td (caused ) Tj ET Q q 0 0 0 rg BT 478.48 208.75 Td (by ) Tj ET Q q 0 0 0 rg BT 491.73 208.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 532.22 208.75 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 196.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 106.93 196.75 Td (rates. ) Tj ET Q q 0 0 0 rg BT 133.94 196.75 Td (These ) Tj ET Q q 0 0 0 rg BT 163.87 196.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 198.81 196.75 Td (convert ) Tj ET Q q 0 0 0 rg BT 233.74 196.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 257.00 196.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 276.37 196.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 307.41 196.75 Td (and ) Tj ET Q q 0 0 0 rg BT 326.23 196.75 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 366.16 196.75 Td (to ) Tj ET Q q 0 0 0 rg BT 376.63 196.75 Td (floating ) Tj ET Q q 0 0 0 rg BT 411.02 196.75 Td (rate. ) Tj ET Q q 0 0 0 rg BT 433.16 196.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 457.98 196.75 Td (s ) Tj ET Q q 0 0 0 rg BT 465.12 196.75 Td (fair ) Tj ET Q q 0 0 0 rg BT 481.15 196.75 Td (value ) Tj ET Q q 0 0 0 rg BT 507.19 196.75 Td (hedges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 184.75 Td (include ) Tj ET Q q 0 0 0 rg BT 106.47 184.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 142.05 184.75 Td (of ) Tj ET Q q 0 0 0 rg BT 153.17 184.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 177.07 184.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 197.08 184.75 Td (securities, ) Tj ET Q q 0 0 0 rg BT 244.88 184.75 Td (deposits ) Tj ET Q q 0 0 0 rg BT 284.90 184.75 Td (and ) Tj ET Q q 0 0 0 rg BT 304.36 184.75 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 364.96 184.75 Td (debt. ) Tj ET Q q 0 0 0 rg BT 389.98 184.75 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 162.75 Td (Net ) Tj ET Q q 0 0 0 rg BT 90.89 162.75 Td (Investment ) Tj ET Q q 0 0 0 rg BT 146.46 162.75 Td (Hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 147.75 Td (Net ) Tj ET Q q 0 0 0 rg BT 90.58 147.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 141.96 147.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 177.78 147.75 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 215.82 147.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 240.64 147.75 Td (s ) Tj ET Q q 0 0 0 rg BT 248.66 147.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 292.82 147.75 Td (to ) Tj ET Q q 0 0 0 rg BT 304.18 147.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 337.77 147.75 Td (currency ) Tj ET Q q 0 0 0 rg BT 379.14 147.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 425.53 147.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 445.78 147.75 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 499.38 147.75 Td (in ) Tj ET Q q 0 0 0 rg BT 510.19 147.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 535.01 147.75 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 135.75 Td (net ) Tj ET Q q 0 0 0 rg BT 88.21 135.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 138.87 135.75 Td (in ) Tj ET Q q 0 0 0 rg BT 148.95 135.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 181.83 135.75 Td (operations. ) Tj ET Q q 0 0 0 rg BT 233.62 135.75 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 269.83 135.75 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 309.92 135.75 Td (denominated ) Tj ET Q q 0 0 0 rg BT 370.05 135.75 Td (in ) Tj ET Q q 0 0 0 rg BT 380.14 135.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 413.02 135.75 Td (currencies ) Tj ET Q q 0 0 0 rg BT 461.45 135.75 Td (are ) Tj ET Q q 0 0 0 rg BT 478.21 135.75 Td (designated ) Tj ET Q q 0 0 0 rg BT 529.45 135.75 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 123.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 107.59 123.75 Td (of ) Tj ET Q q 0 0 0 rg BT 118.70 123.75 Td (this ) Tj ET Q q 0 0 0 rg BT 137.04 123.75 Td (exposure. ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 100.16552734375 m 179.265625 100.16552734375 l s q 0 0 0 rg BT 72.00 101.75 Td (Embedded ) Tj ET Q q 0 0 0 rg BT 125.90 101.75 Td (Derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 86.75 Td (From ) Tj ET Q q 0 0 0 rg BT 98.11 86.75 Td (time ) Tj ET Q q 0 0 0 rg BT 119.78 86.75 Td (to ) Tj ET Q q 0 0 0 rg BT 130.90 86.75 Td (time, ) Tj ET Q q 0 0 0 rg BT 155.34 86.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 180.90 86.75 Td (purchases ) Tj ET Q q 0 0 0 rg BT 229.82 86.75 Td (or ) Tj ET Q q 0 0 0 rg BT 241.49 86.75 Td (issues ) Tj ET Q q 0 0 0 rg BT 272.61 86.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 312.08 86.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 366.54 86.75 Td (containing ) Tj ET Q q 0 0 0 rg BT 414.91 86.75 Td (embedded ) Tj ET Q q 0 0 0 rg BT 464.95 86.75 Td (derivatives. ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I11 Do Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p12 ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 711.16552734375 m 169.2265625 711.16552734375 l s q 0 0 0 rg BT 72.00 712.75 Td (Contingent ) Tj ET Q q 0 0 0 rg BT 127.54 712.75 Td (Features) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 697.75 Td (Certain ) Tj ET Q q 0 0 0 rg BT 108.08 697.75 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 185.30 697.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 231.94 697.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 287.47 697.75 Td (contain ) Tj ET Q q 0 0 0 rg BT 323.56 697.75 Td (provisions ) Tj ET Q q 0 0 0 rg BT 372.43 697.75 Td (that ) Tj ET Q q 0 0 0 rg BT 392.96 697.75 Td (link ) Tj ET Q q 0 0 0 rg BT 411.81 697.75 Td (how ) Tj ET Q q 0 0 0 rg BT 434.00 697.75 Td (much ) Tj ET Q q 0 0 0 rg BT 462.30 697.75 Td (collateral ) Tj ET Q q 0 0 0 rg BT 506.16 697.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 532.79 697.75 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 685.75 Td (required ) Tj ET Q q 0 0 0 rg BT 112.34 685.75 Td (to ) Tj ET Q q 0 0 0 rg BT 124.32 685.75 Td (post ) Tj ET Q q 0 0 0 rg BT 146.87 685.75 Td (or ) Tj ET Q q 0 0 0 rg BT 159.41 685.75 Td (payment ) Tj ET Q q 0 0 0 rg BT 201.41 685.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 263.42 685.75 Td (to ) Tj ET Q q 0 0 0 rg BT 275.40 685.75 Td (our ) Tj ET Q q 0 0 0 rg BT 293.50 685.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 321.60 685.75 Td (ratings ) Tj ET Q q 0 0 0 rg BT 355.26 685.75 Td (\(as ) Tj ET Q q 0 0 0 rg BT 372.80 685.75 Td (determined ) Tj ET Q q 0 0 0 rg BT 426.48 685.75 Td (by ) Tj ET Q q 0 0 0 rg BT 440.68 685.75 Td (the ) Tj ET Q q 0 0 0 rg BT 458.23 685.75 Td (major ) Tj ET Q q 0 0 0 rg BT 486.88 685.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 514.98 685.75 Td (rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 673.75 Td (agencies\). ) Tj ET Q q 0 0 0 rg BT 119.78 673.75 Td (If ) Tj ET Q q 0 0 0 rg BT 126.97 673.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 151.79 673.75 Td (s ) Tj ET Q q 0 0 0 rg BT 158.43 673.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 184.53 673.75 Td (ratings ) Tj ET Q q 0 0 0 rg BT 216.18 673.75 Td (were ) Tj ET Q q 0 0 0 rg BT 239.50 673.75 Td (to ) Tj ET Q q 0 0 0 rg BT 249.48 673.75 Td (be ) Tj ET Q q 0 0 0 rg BT 262.24 673.75 Td (downgraded, ) Tj ET Q q 0 0 0 rg BT 321.70 673.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 353.36 673.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 418.37 673.75 Td (to ) Tj ET Q q 0 0 0 rg BT 428.35 673.75 Td (the ) Tj ET Q q 0 0 0 rg BT 443.89 673.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 488.33 673.75 Td (instruments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 661.75 Td (could ) Tj ET Q q 0 0 0 rg BT 98.73 661.75 Td (demand ) Tj ET Q q 0 0 0 rg BT 137.68 661.75 Td (immediate ) Tj ET Q q 0 0 0 rg BT 186.63 661.75 Td (and ) Tj ET Q q 0 0 0 rg BT 206.14 661.75 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 244.55 661.75 Td (collateralization ) Tj ET Q q 0 0 0 rg BT 316.29 661.75 Td (overnight ) Tj ET Q q 0 0 0 rg BT 360.25 661.75 Td (on ) Tj ET Q q 0 0 0 rg BT 374.20 661.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 419.81 661.75 Td (liability ) Tj ET Q q 0 0 0 rg BT 452.64 661.75 Td (positions ) Tj ET Q q 0 0 0 rg BT 494.93 661.75 Td (or ) Tj ET Q q 0 0 0 rg BT 506.64 661.75 Td (request ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 649.75 Td (immediate ) Tj ET Q q 0 0 0 rg BT 120.91 649.75 Td (payment.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 626.16552734375 m 218.1767578125 626.16552734375 l s q 0 0 0 rg BT 72.00 627.75 Td (Derivative-Related ) Tj ET Q q 0 0 0 rg BT 162.04 627.75 Td (Market ) Tj ET Q q 0 0 0 rg BT 197.05 627.75 Td (Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 612.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 118.93 612.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 173.08 612.75 Td (are ) Tj ET Q q 0 0 0 rg BT 190.00 612.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 224.16 612.75 Td (to ) Tj ET Q q 0 0 0 rg BT 234.97 612.75 Td (market ) Tj ET Q q 0 0 0 rg BT 268.00 612.75 Td (risk. ) Tj ET Q q 0 0 0 rg BT 288.80 612.75 Td (Market ) Tj ET Q q 0 0 0 rg BT 321.83 612.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 339.85 612.75 Td (arises ) Tj ET Q q 0 0 0 rg BT 368.99 612.75 Td (from ) Tj ET Q q 0 0 0 rg BT 391.46 612.75 Td (the ) Tj ET Q q 0 0 0 rg BT 407.83 612.75 Td (potential ) Tj ET Q q 0 0 0 rg BT 448.11 612.75 Td (for ) Tj ET Q q 0 0 0 rg BT 462.25 612.75 Td (a ) Tj ET Q q 0 0 0 rg BT 470.28 612.75 Td (negative ) Tj ET Q q 0 0 0 rg BT 510.56 612.75 Td (impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 600.75 Td (on ) Tj ET Q q 0 0 0 rg BT 86.53 600.75 Td (the ) Tj ET Q q 0 0 0 rg BT 103.83 600.75 Td (balance ) Tj ET Q q 0 0 0 rg BT 142.27 600.75 Td (sheet ) Tj ET Q q 0 0 0 rg BT 170.14 600.75 Td (and/or ) Tj ET Q q 0 0 0 rg BT 201.90 600.75 Td (income ) Tj ET Q q 0 0 0 rg BT 237.54 600.75 Td (statement ) Tj ET Q q 0 0 0 rg BT 284.86 600.75 Td (resulting ) Tj ET Q q 0 0 0 rg BT 326.06 600.75 Td (from ) Tj ET Q q 0 0 0 rg BT 349.46 600.75 Td (adverse ) Tj ET Q q 0 0 0 rg BT 388.45 600.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 429.66 600.75 Td (in ) Tj ET Q q 0 0 0 rg BT 440.85 600.75 Td (the ) Tj ET Q q 0 0 0 rg BT 458.15 600.75 Td (value ) Tj ET Q q 0 0 0 rg BT 485.46 600.75 Td (of ) Tj ET Q q 0 0 0 rg BT 497.21 600.75 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 588.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 125.73 588.75 Td (as ) Tj ET Q q 0 0 0 rg BT 138.34 588.75 Td (a ) Tj ET Q q 0 0 0 rg BT 145.95 588.75 Td (result ) Tj ET Q q 0 0 0 rg BT 172.44 588.75 Td (of ) Tj ET Q q 0 0 0 rg BT 182.83 588.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 222.68 588.75 Td (in ) Tj ET Q q 0 0 0 rg BT 232.51 588.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 264.57 588.75 Td (market ) Tj ET Q q 0 0 0 rg BT 297.18 588.75 Td (variables. ) Tj ET Q q 0 0 0 rg BT 341.89 588.75 Td (These ) Tj ET Q q 0 0 0 rg BT 371.73 588.75 Td (variables ) Tj ET Q q 0 0 0 rg BT 413.80 588.75 Td (include ) Tj ET Q q 0 0 0 rg BT 447.53 588.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 482.37 588.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 509.43 588.75 Td (foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 576.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 118.15 576.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 145.94 576.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 175.40 576.75 Td (and ) Tj ET Q q 0 0 0 rg BT 194.86 576.75 Td (commodity ) Tj ET Q q 0 0 0 rg BT 245.98 576.75 Td (prices ) Tj ET Q q 0 0 0 rg BT 275.44 576.75 Td (and ) Tj ET Q q 0 0 0 rg BT 294.90 576.75 Td (their ) Tj ET Q q 0 0 0 rg BT 317.13 576.75 Td (implied ) Tj ET Q q 0 0 0 rg BT 351.59 576.75 Td (volatilities, ) Tj ET Q q 0 0 0 rg BT 400.50 576.75 Td (as ) Tj ET Q q 0 0 0 rg BT 413.84 576.75 Td (well ) Tj ET Q q 0 0 0 rg BT 433.84 576.75 Td (as ) Tj ET Q q 0 0 0 rg BT 447.18 576.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 474.41 576.75 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 515.54 576.75 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 564.75 Td (migration ) Tj ET Q q 0 0 0 rg BT 117.79 564.75 Td (and ) Tj ET Q q 0 0 0 rg BT 139.13 564.75 Td (default. ) Tj ET Q q 0 0 0 rg BT 176.60 564.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 204.04 564.75 Td (strives ) Tj ET Q q 0 0 0 rg BT 237.59 564.75 Td (to ) Tj ET Q q 0 0 0 rg BT 250.59 564.75 Td (limit ) Tj ET Q q 0 0 0 rg BT 273.02 564.75 Td (market ) Tj ET Q q 0 0 0 rg BT 308.25 564.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 328.46 564.75 Td (by ) Tj ET Q q 0 0 0 rg BT 343.68 564.75 Td (employing ) Tj ET Q q 0 0 0 rg BT 393.92 564.75 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 466.39 564.75 Td (governance ) Tj ET Q q 0 0 0 rg BT 523.32 564.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 552.75 Td (management ) Tj ET Q q 0 0 0 rg BT 133.15 552.75 Td (processes ) Tj ET Q q 0 0 0 rg BT 181.50 552.75 Td (for ) Tj ET Q q 0 0 0 rg BT 195.95 552.75 Td (all ) Tj ET Q q 0 0 0 rg BT 208.73 552.75 Td (market ) Tj ET Q q 0 0 0 rg BT 242.07 552.75 Td (risk-taking ) Tj ET Q q 0 0 0 rg BT 290.42 552.75 Td (activities.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 529.16552734375 m 214.83203125 529.16552734375 l s q 0 0 0 rg BT 72.00 530.75 Td (Derivative-Related ) Tj ET Q q 0 0 0 rg BT 162.04 530.75 Td (Credit ) Tj ET Q q 0 0 0 rg BT 193.71 530.75 Td (Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 515.75 Td (Over-the-counter ) Tj ET Q q 0 0 0 rg BT 154.26 515.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 203.73 515.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 262.08 515.75 Td (are ) Tj ET Q q 0 0 0 rg BT 283.21 515.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 321.57 515.75 Td (to ) Tj ET Q q 0 0 0 rg BT 336.58 515.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 367.70 515.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 389.93 515.75 Td (arising ) Tj ET Q q 0 0 0 rg BT 426.06 515.75 Td (from ) Tj ET Q q 0 0 0 rg BT 452.73 515.75 Td (the ) Tj ET Q q 0 0 0 rg BT 473.30 515.75 Td (possibility ) Tj ET Q q 0 0 0 rg BT 523.32 515.75 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 503.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 137.38 503.75 Td (may ) Tj ET Q q 0 0 0 rg BT 158.28 503.75 Td (default ) Tj ET Q q 0 0 0 rg BT 190.32 503.75 Td (on ) Tj ET Q q 0 0 0 rg BT 203.45 503.75 Td (their ) Tj ET Q q 0 0 0 rg BT 224.91 503.75 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 277.38 503.75 Td (The ) Tj ET Q q 0 0 0 rg BT 296.63 503.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 323.09 503.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 340.65 503.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 390.47 503.75 Td (with ) Tj ET Q q 0 0 0 rg BT 410.26 503.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 460.07 503.75 Td (is ) Tj ET Q q 0 0 0 rg BT 469.30 503.75 Td (normally ) Tj ET Q q 0 0 0 rg BT 509.10 503.75 Td (a ) Tj ET Q q 0 0 0 rg BT 516.67 503.75 Td (small ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 491.75 Td (fraction ) Tj ET Q q 0 0 0 rg BT 107.73 491.75 Td (of ) Tj ET Q q 0 0 0 rg BT 119.01 491.75 Td (the ) Tj ET Q q 0 0 0 rg BT 135.85 491.75 Td (notional ) Tj ET Q q 0 0 0 rg BT 173.81 491.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 210.10 491.75 Td (of ) Tj ET Q q 0 0 0 rg BT 221.38 491.75 Td (the ) Tj ET Q q 0 0 0 rg BT 238.22 491.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 283.95 491.75 Td (instrument. ) Tj ET Q q 0 0 0 rg BT 336.35 491.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 383.75 491.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 427.26 491.75 Td (generally ) Tj ET Q q 0 0 0 rg BT 470.77 491.75 Td (expose ) Tj ET Q q 0 0 0 rg BT 505.96 491.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 531.67 491.75 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 479.75 Td (potential ) Tj ET Q q 0 0 0 rg BT 115.19 479.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.03 479.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 168.19 479.75 Td (if ) Tj ET Q q 0 0 0 rg BT 178.57 479.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 221.76 479.75 Td (in ) Tj ET Q q 0 0 0 rg BT 234.93 479.75 Td (market ) Tj ET Q q 0 0 0 rg BT 270.87 479.75 Td (rates ) Tj ET Q q 0 0 0 rg BT 298.49 479.75 Td (af) Tj ET Q q 0 0 0 rg BT 306.65 479.75 Td (fect ) Tj ET Q q 0 0 0 rg BT 328.15 479.75 Td (a ) Tj ET Q q 0 0 0 rg BT 339.09 479.75 Td (counterparty) Tj ET Q q 0 0 0 rg BT 396.72 479.75 Td (s ) Tj ET Q q 0 0 0 rg BT 407.10 479.75 Td (position ) Tj ET Q q 0 0 0 rg BT 446.95 479.75 Td (unfavorably ) Tj ET Q q 0 0 0 rg BT 504.03 479.75 Td (and ) Tj ET Q q 0 0 0 rg BT 526.10 479.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 467.75 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 130.48 467.75 Td (defaults ) Tj ET Q q 0 0 0 rg BT 168.40 467.75 Td (on ) Tj ET Q q 0 0 0 rg BT 182.41 467.75 Td (payment. ) Tj ET Q q 0 0 0 rg BT 226.25 467.75 Td (The ) Tj ET Q q 0 0 0 rg BT 246.38 467.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 273.72 467.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 292.17 467.75 Td (is ) Tj ET Q q 0 0 0 rg BT 302.28 467.75 Td (represented ) Tj ET Q q 0 0 0 rg BT 358.55 467.75 Td (by ) Tj ET Q q 0 0 0 rg BT 372.00 467.75 Td (the ) Tj ET Q q 0 0 0 rg BT 388.80 467.75 Td (positive ) Tj ET Q q 0 0 0 rg BT 425.60 467.75 Td (fair ) Tj ET Q q 0 0 0 rg BT 442.38 467.75 Td (value ) Tj ET Q q 0 0 0 rg BT 469.18 467.75 Td (of ) Tj ET Q q 0 0 0 rg BT 480.42 467.75 Td (the ) Tj ET Q q 0 0 0 rg BT 497.21 467.75 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 455.75 Td (instrument. ) Tj ET Q q 0 0 0 rg BT 124.66 455.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 150.64 455.75 Td (strives ) Tj ET Q q 0 0 0 rg BT 182.74 455.75 Td (to ) Tj ET Q q 0 0 0 rg BT 194.28 455.75 Td (limit ) Tj ET Q q 0 0 0 rg BT 215.25 455.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 242.91 455.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 261.66 455.75 Td (by ) Tj ET Q q 0 0 0 rg BT 275.43 455.75 Td (dealing ) Tj ET Q q 0 0 0 rg BT 310.88 455.75 Td (with ) Tj ET Q q 0 0 0 rg BT 331.86 455.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 398.43 455.75 Td (that ) Tj ET Q q 0 0 0 rg BT 418.32 455.75 Td (it ) Tj ET Q q 0 0 0 rg BT 426.52 455.75 Td (believes ) Tj ET Q q 0 0 0 rg BT 466.41 455.75 Td (are ) Tj ET Q q 0 0 0 rg BT 484.06 455.75 Td (creditworthy) Tj ET Q q 0 0 0 rg BT 537.23 455.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 443.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.59 443.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 117.27 443.75 Td (manages ) Tj ET Q q 0 0 0 rg BT 161.31 443.75 Td (its ) Tj ET Q q 0 0 0 rg BT 174.21 443.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 201.57 443.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 220.03 443.75 Td (for ) Tj ET Q q 0 0 0 rg BT 234.60 443.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 285.30 443.75 Td (using ) Tj ET Q q 0 0 0 rg BT 312.11 443.75 Td (the ) Tj ET Q q 0 0 0 rg BT 328.91 443.75 Td (same ) Tj ET Q q 0 0 0 rg BT 356.27 443.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 383.63 443.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 402.08 443.75 Td (process ) Tj ET Q q 0 0 0 rg BT 440.00 443.75 Td (that ) Tj ET Q q 0 0 0 rg BT 459.58 443.75 Td (is ) Tj ET Q q 0 0 0 rg BT 469.71 443.75 Td (applied ) Tj ET Q q 0 0 0 rg BT 504.86 443.75 Td (to ) Tj ET Q q 0 0 0 rg BT 516.11 443.75 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 431.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.46 431.75 Td (other ) Tj ET Q q 0 0 0 rg BT 117.03 431.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 144.27 431.75 Td (assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 409.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.24 409.75 Td (also ) Tj ET Q q 0 0 0 rg BT 120.04 409.75 Td (pursues ) Tj ET Q q 0 0 0 rg BT 159.08 409.75 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 219.80 409.75 Td (to ) Tj ET Q q 0 0 0 rg BT 231.60 409.75 Td (reduce ) Tj ET Q q 0 0 0 rg BT 265.64 409.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 310.24 409.75 Td (to ) Tj ET Q q 0 0 0 rg BT 322.04 409.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 349.95 409.75 Td (losses ) Tj ET Q q 0 0 0 rg BT 381.76 409.75 Td (on ) Tj ET Q q 0 0 0 rg BT 396.34 409.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 442.60 409.75 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 500.52 409.75 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 397.75 Td (entering ) Tj ET Q q 0 0 0 rg BT 112.70 397.75 Td (into ) Tj ET Q q 0 0 0 rg BT 133.38 397.75 Td (master ) Tj ET Q q 0 0 0 rg BT 168.51 397.75 Td (netting ) Tj ET Q q 0 0 0 rg BT 203.09 397.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 260.46 397.75 Td (with ) Tj ET Q q 0 0 0 rg BT 282.81 397.75 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 353.22 397.75 Td (The ) Tj ET Q q 0 0 0 rg BT 375.02 397.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 404.03 397.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 424.15 397.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 476.51 397.75 Td (with ) Tj ET Q q 0 0 0 rg BT 498.86 397.75 Td (favorable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 385.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 114.94 385.75 Td (is ) Tj ET Q q 0 0 0 rg BT 124.53 385.75 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 172.48 385.75 Td (by ) Tj ET Q q 0 0 0 rg BT 185.42 385.75 Td (master ) Tj ET Q q 0 0 0 rg BT 218.35 385.75 Td (netting ) Tj ET Q q 0 0 0 rg BT 250.74 385.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 305.92 385.75 Td (to ) Tj ET Q q 0 0 0 rg BT 316.63 385.75 Td (the ) Tj ET Q q 0 0 0 rg BT 332.90 385.75 Td (extent ) Tj ET Q q 0 0 0 rg BT 362.51 385.75 Td (that ) Tj ET Q q 0 0 0 rg BT 381.56 385.75 Td (unfavorable ) Tj ET Q q 0 0 0 rg BT 436.19 385.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 479.13 385.75 Td (with ) Tj ET Q q 0 0 0 rg BT 499.29 385.75 Td (the ) Tj ET Q q 0 0 0 rg BT 515.56 385.75 Td (same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 373.75 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 130.71 373.75 Td (cannot ) Tj ET Q q 0 0 0 rg BT 163.86 373.75 Td (be ) Tj ET Q q 0 0 0 rg BT 178.11 373.75 Td (settled ) Tj ET Q q 0 0 0 rg BT 210.70 373.75 Td (before ) Tj ET Q q 0 0 0 rg BT 242.19 373.75 Td (favorable ) Tj ET Q q 0 0 0 rg BT 286.45 373.75 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 332.93 373.75 Td (Exchange-traded ) Tj ET Q q 0 0 0 rg BT 412.22 373.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 463.14 373.75 Td (have ) Tj ET Q q 0 0 0 rg BT 487.95 373.75 Td (no ) Tj ET Q q 0 0 0 rg BT 502.20 373.75 Td (potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 361.75 Td (for ) Tj ET Q q 0 0 0 rg BT 86.45 361.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 113.68 361.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 157.60 361.75 Td (as ) Tj ET Q q 0 0 0 rg BT 170.94 361.75 Td (they ) Tj ET Q q 0 0 0 rg BT 192.62 361.75 Td (are ) Tj ET Q q 0 0 0 rg BT 209.85 361.75 Td (settled ) Tj ET Q q 0 0 0 rg BT 242.09 361.75 Td (net ) Tj ET Q q 0 0 0 rg BT 258.77 361.75 Td (with ) Tj ET Q q 0 0 0 rg BT 279.33 361.75 Td (each ) Tj ET Q q 0 0 0 rg BT 303.79 361.75 Td (exchange.) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I12 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 339.75 Td (1.1.6 ) Tj ET Q q 0 0 0 rg BT 97.02 339.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 339.75 Td (Memberships ) Tj ET Q q 0 0 0 rg BT 167.04 339.75 Td (in ) Tj ET Q q 0 0 0 rg BT 178.70 339.75 Td (Material ) Tj ET Q q 0 0 0 rg BT 219.28 339.75 Td (Payment, ) Tj ET Q q 0 0 0 rg BT 266.52 339.75 Td (Clearing ) Tj ET Q q 0 0 0 rg BT 309.30 339.75 Td (and ) Tj ET Q q 0 0 0 rg BT 329.86 339.75 Td (Settlement ) Tj ET Q q 0 0 0 rg BT 383.76 339.75 Td (Systems) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 424.90 339.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 317.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.68 317.75 Td (uses ) Tj ET Q q 0 0 0 rg BT 121.70 317.75 Td (a ) Tj ET Q q 0 0 0 rg BT 130.16 317.75 Td (wide ) Tj ET Q q 0 0 0 rg BT 153.63 317.75 Td (array ) Tj ET Q q 0 0 0 rg BT 179.31 317.75 Td (of ) Tj ET Q q 0 0 0 rg BT 190.55 317.75 Td (memberships ) Tj ET Q q 0 0 0 rg BT 253.47 317.75 Td (in ) Tj ET Q q 0 0 0 rg BT 264.16 317.75 Td (Payment, ) Tj ET Q q 0 0 0 rg BT 309.30 317.75 Td (Clearing ) Tj ET Q q 0 0 0 rg BT 349.44 317.75 Td (and ) Tj ET Q q 0 0 0 rg BT 369.03 317.75 Td (Settlement ) Tj ET Q q 0 0 0 rg BT 419.73 317.75 Td (Systems ) Tj ET Q q 0 0 0 rg BT 460.97 317.75 Td (\(PCSS\), ) Tj ET Q q 0 0 0 rg BT 500.54 317.75 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 305.75 Td (payment ) Tj ET Q q 0 0 0 rg BT 113.43 305.75 Td (systems, ) Tj ET Q q 0 0 0 rg BT 155.95 305.75 Td (clearinghouses, ) Tj ET Q q 0 0 0 rg BT 229.07 305.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 274.38 305.75 Td (depositories, ) Tj ET Q q 0 0 0 rg BT 334.15 305.75 Td (and ) Tj ET Q q 0 0 0 rg BT 353.91 305.75 Td (central ) Tj ET Q q 0 0 0 rg BT 387.00 305.75 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 456.02 305.75 Td (The ) Tj ET Q q 0 0 0 rg BT 476.33 305.75 Td (following ) Tj ET Q q 0 0 0 rg BT 518.31 305.75 Td (table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 293.75 Td (enumerates ) Tj ET Q q 0 0 0 rg BT 127.59 293.75 Td (material ) Tj ET Q q 0 0 0 rg BT 165.93 293.75 Td (PCSS ) Tj ET Q q 0 0 0 rg BT 195.94 293.75 Td (memberships ) Tj ET Q q 0 0 0 rg BT 258.74 293.75 Td (used ) Tj ET Q q 0 0 0 rg BT 283.20 293.75 Td (by ) Tj ET Q q 0 0 0 rg BT 296.54 293.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 321.36 293.75 Td (s ) Tj ET Q q 0 0 0 rg BT 329.14 293.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 351.37 293.75 Td (operations:) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p13 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (Figure 1.1.6-1 Material Payment, Clearing and Settlement Systems) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 702.25 193.00 -18.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 265.50 702.25 275.00 -18.00 re f /GS0 gs 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 702.25 m 72.5 684.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 702.25 m 265.5 684.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 702.25 m 265.5 702.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 702.25 m 265.5 684.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 702.25 m 540.5 684.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 702.25 m 540.5 702.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 684.25 m 72.5 663.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 684.25 m 265.5 663.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 684.25 m 265.5 684.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 663.25 m 265.5 663.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 684.25 m 265.5 663.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 684.25 m 540.5 663.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 684.25 m 540.5 684.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 663.25 m 72.5 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 663.25 m 265.5 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 663.25 m 265.5 663.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 642.25 m 265.5 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 663.25 m 265.5 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 663.25 m 540.5 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 663.25 m 540.5 663.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 642.25 m 72.5 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 642.25 m 265.5 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 642.25 m 265.5 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 629.25 m 265.5 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 642.25 m 265.5 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 642.25 m 540.5 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 642.25 m 540.5 642.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 629.25 m 72.5 608.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 629.25 m 265.5 608.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 629.25 m 265.5 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 608.25 m 265.5 608.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 629.25 m 540.5 608.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 629.25 m 540.5 629.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 608.25 m 72.5 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 608.25 m 265.5 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 608.25 m 265.5 608.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 587.25 m 265.5 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 608.25 m 265.5 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 608.25 m 540.5 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 608.25 m 540.5 608.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 587.25 m 72.5 566.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 587.25 m 265.5 566.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 587.25 m 265.5 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 566.25 m 265.5 566.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 587.25 m 265.5 566.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 587.25 m 540.5 566.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 587.25 m 540.5 587.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 566.25 m 72.5 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 566.25 m 265.5 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 566.25 m 265.5 566.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 553.25 m 265.5 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 566.25 m 265.5 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 566.25 m 540.5 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 566.25 m 540.5 566.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 553.25 m 72.5 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 553.25 m 265.5 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 553.25 m 265.5 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 532.25 m 265.5 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 553.25 m 265.5 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 553.25 m 540.5 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 553.25 m 540.5 553.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 532.25 m 540.5 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 532.25 m 72.5 511.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 532.25 m 265.5 511.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 532.25 m 265.5 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 511.25 m 265.5 511.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 532.25 m 265.5 511.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 532.25 m 540.5 511.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 532.25 m 540.5 532.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 511.25 m 540.5 511.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 511.25 m 72.5 490.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 511.25 m 265.5 490.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 511.25 m 265.5 511.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 490.25 m 265.5 490.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 511.25 m 265.5 490.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 511.25 m 540.5 490.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 511.25 m 540.5 511.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 490.25 m 540.5 490.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 490.25 m 72.5 469.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 490.25 m 265.5 469.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 490.25 m 265.5 490.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 469.25 m 265.5 469.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 490.25 m 265.5 469.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 490.25 m 540.5 469.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 490.25 m 540.5 490.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265.5 469.25 m 540.5 469.25 l s BT /F2 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 75.00 688.48 Td (Payment/ Clearing/ Settlement System) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 268.00 688.48 Td (Description) Tj ET Q BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 75.00 675.93 Td (Canadian Derivatives Clearing Corporation \(CDCC\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 675.93 Td (Clearing and settlement services for exchange-traded derivative products ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 667.93 Td (\(options, futures\) and OTC instruments \(fixed income, Forex\) in Canada) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 654.93 Td (CDS Clearing and Depository Services Inc. \(CDS/) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 646.93 Td (CDSX\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 654.93 Td (Major fixed income and equity clearing and depository organization in) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 646.93 Td (Canada) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 633.93 Td (CLS Bank) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 633.93 Td (Clearing for FX spot, swap and forward agreements) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 620.93 Td (CME Group) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.50 620.93 Td (Clearing and settlement services for futures, options and OTC derivatives. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.50 612.93 Td (\(BMO CMC Futures membership, BMO OTC Membership\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 599.93 Td (The Depository Trust Company \(DTC\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 599.93 Td (DTC is the predominant central custodian providing settlement for U.S.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 591.93 Td (securities transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 578.93 Td (Federal Reserve Wire Network \(Fedwire Funds /) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 570.93 Td (Fedline Advantage\) / FedACH) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 578.93 Td (Wire transfer and electronic payment processing, and cash and securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 570.93 Td (settlement services) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 557.93 Td (Fixed Income Clearing Corporation \(FICC\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 557.93 Td (Clearing organization for U.S. treasury securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 544.93 Td (LCH.Clearnet Ltd) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 544.93 Td (Clearing and depository services for commodities, equities, fixed income,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 536.93 Td (swaps and Forex contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 523.93 Td (National Securities Clearing Corporation \(NSCC\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 523.93 Td (Clearing and settlement for equities, corporate and municipal debt, ) Tj ET Q q 0 0 0 rg BT 511.47 523.93 Td (ADRs, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 515.93 Td (ETFs and UIT) Tj ET Q q 0 0 0 rg BT 322.90 515.93 Td (s) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 502.93 Td (Options Clearing Corporation \(OCC\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 502.93 Td (Clearing and settlement services for equity) Tj ET Q q 0 0 0 rg BT 424.59 502.93 Td (, index, foreign exchange, ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 494.93 Td (interest rate derivatives and equity futures) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 481.93 Td (Society of Worldwide Interbank Financial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 473.93 Td (Telecommunications \(SWIFT\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 481.93 Td (Interbank financial telecommunications and messaging between financial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.00 473.93 Td (institutions, FMUs and businesses) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I13 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 447.75 Td (1.1.7 ) Tj ET Q q 0 0 0 rg BT 97.02 447.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 447.75 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 139.24 447.75 Td (Operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 192.03 447.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 425.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.89 425.75 Td (is ) Tj ET Q q 0 0 0 rg BT 106.23 425.75 Td (a ) Tj ET Q q 0 0 0 rg BT 113.91 425.75 Td (leading ) Tj ET Q q 0 0 0 rg BT 148.28 425.75 Td (North ) Tj ET Q q 0 0 0 rg BT 174.43 425.75 Td (American ) Tj ET Q q 0 0 0 rg BT 218.78 425.75 Td (provider ) Tj ET Q q 0 0 0 rg BT 257.02 425.75 Td (of ) Tj ET Q q 0 0 0 rg BT 267.48 425.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 306.28 425.75 Td (services, ) Tj ET Q q 0 0 0 rg BT 347.85 425.75 Td (with ) Tj ET Q q 0 0 0 rg BT 367.75 425.75 Td (select ) Tj ET Q q 0 0 0 rg BT 395.99 425.75 Td (services ) Tj ET Q q 0 0 0 rg BT 434.78 425.75 Td (provided ) Tj ET Q q 0 0 0 rg BT 475.26 425.75 Td (through ) Tj ET Q q 0 0 0 rg BT 511.29 425.75 Td (of) Tj ET Q q 0 0 0 rg BT 519.45 425.75 Td (fices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 413.75 Td (in ) Tj ET Q q 0 0 0 rg BT 82.38 413.75 Td (multiple ) Tj ET Q q 0 0 0 rg BT 119.43 413.75 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 174.26 413.75 Td (outside ) Tj ET Q q 0 0 0 rg BT 209.10 413.75 Td (of ) Tj ET Q q 0 0 0 rg BT 220.03 413.75 Td (the ) Tj ET Q q 0 0 0 rg BT 236.52 413.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 258.56 413.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 283.93 413.75 Td (employs ) Tj ET Q q 0 0 0 rg BT 323.76 413.75 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.61 413.75 Td (47,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.19 413.75 Td ( ) Tj ET Q q 0 0 0 rg BT 421.78 413.75 Td (people ) Tj ET Q q 0 0 0 rg BT 454.41 413.75 Td (and ) Tj ET Q q 0 0 0 rg BT 473.68 413.75 Td (its ) Tj ET Q q 0 0 0 rg BT 486.28 413.75 Td (services ) Tj ET Q q 0 0 0 rg BT 525.54 413.75 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 401.75 Td (delivered ) Tj ET Q q 0 0 0 rg BT 114.26 401.75 Td (through ) Tj ET Q q 0 0 0 rg BT 149.86 401.75 Td (the ) Tj ET Q q 0 0 0 rg BT 165.44 401.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 208.82 401.75 Td (divisions ) Tj ET Q q 0 0 0 rg BT 248.85 401.75 Td (of ) Tj ET Q q 0 0 0 rg BT 258.87 401.75 Td (Personal ) Tj ET Q q 0 0 0 rg BT 300.01 401.75 Td (& ) Tj ET Q q 0 0 0 rg BT 308.36 401.75 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 363.38 401.75 Td (\(Canada ) Tj ET Q q 0 0 0 rg BT 403.42 401.75 Td (and ) Tj ET Q q 0 0 0 rg BT 421.79 401.75 Td (U.S.\), ) Tj ET Q q 0 0 0 rg BT 449.02 401.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 473.48 401.75 Td (CM ) Tj ET Q q 0 0 0 rg BT 490.71 401.75 Td (and ) Tj ET Q q 0 0 0 rg BT 509.08 401.75 Td (W) Tj ET Q q 0 0 0 rg BT 518.33 401.75 Td (ealth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 389.75 Td (Management. ) Tj ET Q q 0 0 0 rg BT 136.76 389.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 183.18 389.75 Td (P&C ) Tj ET Q q 0 0 0 rg BT 207.35 389.75 Td (is ) Tj ET Q q 0 0 0 rg BT 218.18 389.75 Td (the ) Tj ET Q q 0 0 0 rg BT 235.69 389.75 Td (largest ) Tj ET Q q 0 0 0 rg BT 269.31 389.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 314.62 389.75 Td (division ) Tj ET Q q 0 0 0 rg BT 351.58 389.75 Td (in ) Tj ET Q q 0 0 0 rg BT 362.97 389.75 Td (terms ) Tj ET Q q 0 0 0 rg BT 391.58 389.75 Td (of ) Tj ET Q q 0 0 0 rg BT 403.52 389.75 Td (employees ) Tj ET Q q 0 0 0 rg BT 455.49 389.75 Td (and ) Tj ET Q q 0 0 0 rg BT 475.78 389.75 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 523.31 389.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 377.75 Td (operates ) Tj ET Q q 0 0 0 rg BT 115.28 377.75 Td (throughout ) Tj ET Q q 0 0 0 rg BT 167.47 377.75 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 209.65 377.75 Td (of) Tj ET Q q 0 0 0 rg BT 217.80 377.75 Td (fering ) Tj ET Q q 0 0 0 rg BT 247.19 377.75 Td (banking, ) Tj ET Q q 0 0 0 rg BT 289.36 377.75 Td (financing, ) Tj ET Q q 0 0 0 rg BT 336.54 377.75 Td (and ) Tj ET Q q 0 0 0 rg BT 357.59 377.75 Td (investing ) Tj ET Q q 0 0 0 rg BT 401.43 377.75 Td (solutions, ) Tj ET Q q 0 0 0 rg BT 448.04 377.75 Td (as ) Tj ET Q q 0 0 0 rg BT 462.97 377.75 Td (well ) Tj ET Q q 0 0 0 rg BT 484.57 377.75 Td (as ) Tj ET Q q 0 0 0 rg BT 499.50 377.75 Td (card ) Tj ET Q q 0 0 0 rg BT 523.32 377.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 365.75 Td (payment ) Tj ET Q q 0 0 0 rg BT 113.31 365.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 155.71 365.75 Td ( ) Tj ET Q q 0 0 0 rg BT 158.67 365.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 184.40 365.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 218.48 365.75 Td (Markets ) Tj ET Q q 0 0 0 rg BT 256.99 365.75 Td (is ) Tj ET Q q 0 0 0 rg BT 267.17 365.75 Td (the ) Tj ET Q q 0 0 0 rg BT 284.02 365.75 Td (largest ) Tj ET Q q 0 0 0 rg BT 316.99 365.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 361.64 365.75 Td (division ) Tj ET Q q 0 0 0 rg BT 397.95 365.75 Td (in ) Tj ET Q q 0 0 0 rg BT 408.68 365.75 Td (terms ) Tj ET Q q 0 0 0 rg BT 436.64 365.75 Td (of ) Tj ET Q q 0 0 0 rg BT 447.93 365.75 Td (assets, ) Tj ET Q q 0 0 0 rg BT 482.56 365.75 Td (and ) Tj ET Q q 0 0 0 rg BT 502.20 365.75 Td (provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 353.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 102.68 353.75 Td (raising, ) Tj ET Q q 0 0 0 rg BT 136.69 353.75 Td (investing, ) Tj ET Q q 0 0 0 rg BT 180.71 353.75 Td (advisory) Tj ET Q q 0 0 0 rg BT 217.21 353.75 Td (, ) Tj ET Q q 0 0 0 rg BT 221.76 353.75 Td (treasury ) Tj ET Q q 0 0 0 rg BT 259.66 353.75 Td (and ) Tj ET Q q 0 0 0 rg BT 278.12 353.75 Td (research ) Tj ET Q q 0 0 0 rg BT 318.80 353.75 Td (services ) Tj ET Q q 0 0 0 rg BT 357.25 353.75 Td (to ) Tj ET Q q 0 0 0 rg BT 367.36 353.75 Td (corporate, ) Tj ET Q q 0 0 0 rg BT 414.16 353.75 Td (institutional, ) Tj ET Q q 0 0 0 rg BT 468.74 353.75 Td (and ) Tj ET Q q 0 0 0 rg BT 487.20 353.75 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 341.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 103.47 341.75 Td (in ) Tj ET Q q 0 0 0 rg BT 114.37 341.75 Td (Canada, ) Tj ET Q q 0 0 0 rg BT 155.30 341.75 Td (the ) Tj ET Q q 0 0 0 rg BT 172.33 341.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 197.68 341.75 Td (South ) Tj ET Q q 0 0 0 rg BT 226.31 341.75 Td (America, ) Tj ET Q q 0 0 0 rg BT 268.89 341.75 Td (Europe, ) Tj ET Q q 0 0 0 rg BT 306.42 341.75 Td (Asia ) Tj ET Q q 0 0 0 rg BT 328.99 341.75 Td (and ) Tj ET Q q 0 0 0 rg BT 348.18 341.75 Td (Australia. ) Tj ET Q q 0 0 0 rg BT 392.99 341.75 Td (WM, ) Tj ET Q q 0 0 0 rg BT 416.66 341.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 441.48 341.75 Td (s ) Tj ET Q q 0 0 0 rg BT 449.60 341.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 481.63 341.75 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 329.75 Td (business, ) Tj ET Q q 0 0 0 rg BT 117.39 329.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 150.00 329.75 Td (a ) Tj ET Q q 0 0 0 rg BT 158.71 329.75 Td (full ) Tj ET Q q 0 0 0 rg BT 174.64 329.75 Td (range ) Tj ET Q q 0 0 0 rg BT 203.36 329.75 Td (of ) Tj ET Q q 0 0 0 rg BT 214.85 329.75 Td (client ) Tj ET Q q 0 0 0 rg BT 241.34 329.75 Td (segments ) Tj ET Q q 0 0 0 rg BT 287.85 329.75 Td (from ) Tj ET Q q 0 0 0 rg BT 311.00 329.75 Td (mainstream ) Tj ET Q q 0 0 0 rg BT 366.38 329.75 Td (to ) Tj ET Q q 0 0 0 rg BT 377.87 329.75 Td (ultra-high ) Tj ET Q q 0 0 0 rg BT 422.71 329.75 Td (net ) Tj ET Q q 0 0 0 rg BT 439.76 329.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 467.36 329.75 Td (and ) Tj ET Q q 0 0 0 rg BT 487.19 329.75 Td (institutional, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 317.75 Td (with ) Tj ET Q q 0 0 0 rg BT 93.94 317.75 Td (a ) Tj ET Q q 0 0 0 rg BT 103.66 317.75 Td (broad ) Tj ET Q q 0 0 0 rg BT 133.40 317.75 Td (of) Tj ET Q q 0 0 0 rg BT 141.55 317.75 Td (fering ) Tj ET Q q 0 0 0 rg BT 170.73 317.75 Td (of ) Tj ET Q q 0 0 0 rg BT 183.23 317.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 216.29 317.75 Td (management ) Tj ET Q q 0 0 0 rg BT 278.82 317.75 Td (products ) Tj ET Q q 0 0 0 rg BT 321.33 317.75 Td (and ) Tj ET Q q 0 0 0 rg BT 342.17 317.75 Td (solutions ) Tj ET Q q 0 0 0 rg BT 385.80 317.75 Td (including ) Tj ET Q q 0 0 0 rg BT 429.43 317.75 Td (insurance ) Tj ET Q q 0 0 0 rg BT 476.95 317.75 Td (products; ) Tj ET Q q 0 0 0 rg BT 522.24 317.75 Td (WM ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 305.75 Td (operates ) Tj ET Q q 0 0 0 rg BT 113.69 305.75 Td (in ) Tj ET Q q 0 0 0 rg BT 124.26 305.75 Td (both ) Tj ET Q q 0 0 0 rg BT 146.50 305.75 Td (Canada ) Tj ET Q q 0 0 0 rg BT 184.30 305.75 Td (and ) Tj ET Q q 0 0 0 rg BT 203.77 305.75 Td (the ) Tj ET Q q 0 0 0 rg BT 220.45 305.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 245.45 305.75 Td (as ) Tj ET Q q 0 0 0 rg BT 258.79 305.75 Td (well ) Tj ET Q q 0 0 0 rg BT 278.80 305.75 Td (as ) Tj ET Q q 0 0 0 rg BT 292.14 305.75 Td (in ) Tj ET Q q 0 0 0 rg BT 302.15 305.75 Td (Asia ) Tj ET Q q 0 0 0 rg BT 324.38 305.75 Td (and ) Tj ET Q q 0 0 0 rg BT 343.84 305.75 Td (Europe.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 283.75 Td (As ) Tj ET Q q 0 0 0 rg BT 86.29 283.75 Td (of ) Tj ET Q q 0 0 0 rg BT 97.26 283.75 Td (January ) Tj ET Q q 0 0 0 rg BT 135.46 283.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 151.99 283.75 Td (2015, ) Tj ET Q q 0 0 0 rg BT 179.64 283.75 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 225.07 283.75 Td (and ) Tj ET Q q 0 0 0 rg BT 244.38 283.75 Td (other ) Tj ET Q q 0 0 0 rg BT 269.80 283.75 Td (non-U.S. ) Tj ET Q q 0 0 0 rg BT 311.89 283.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 361.21 283.75 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.21 283.75 Td (66%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.22 283.75 Td ( ) Tj ET Q q 0 0 0 rg BT 439.85 283.75 Td (of ) Tj ET Q q 0 0 0 rg BT 450.81 283.75 Td (total ) Tj ET Q q 0 0 0 rg BT 472.34 283.75 Td (average ) Tj ET Q q 0 0 0 rg BT 511.10 283.75 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 271.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.65 271.75 Td (83%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.67 271.75 Td ( ) Tj ET Q q 0 0 0 rg BT 116.64 271.75 Td (of ) Tj ET Q q 0 0 0 rg BT 128.95 271.75 Td (reported ) Tj ET Q q 0 0 0 rg BT 170.16 271.75 Td (net ) Tj ET Q q 0 0 0 rg BT 188.03 271.75 Td (income; ) Tj ET Q q 0 0 0 rg BT 227.02 271.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 250.43 271.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 301.10 271.75 Td (represented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.44 271.75 Td (34%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.46 271.75 Td ( ) Tj ET Q q 0 0 0 rg BT 382.42 271.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.08 271.75 Td (17%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.09 271.75 Td (, ) Tj ET Q q 0 0 0 rg BT 429.84 271.75 Td (respectively) Tj ET Q q 0 0 0 rg BT 481.90 271.75 Td (. ) Tj ET Q q 0 0 0 rg BT 488.64 271.75 Td ( ) Tj ET Q q 0 0 0 rg BT 492.61 271.75 Td (Of ) Tj ET Q q 0 0 0 rg BT 507.14 271.75 Td (its ) Tj ET Q q 0 0 0 rg BT 521.11 271.75 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 259.75 Td (workforce, ) Tj ET Q q 0 0 0 rg BT 121.31 259.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 147.27 259.75 Td (had ) Tj ET Q q 0 0 0 rg BT 167.14 259.75 Td (over ) Tj ET Q q 0 0 0 rg BT 189.78 259.75 Td (31,000 ) Tj ET Q q 0 0 0 rg BT 223.55 259.75 Td (full-time ) Tj ET Q q 0 0 0 rg BT 261.73 259.75 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 310.51 259.75 Td (employees ) Tj ET Q q 0 0 0 rg BT 362.05 259.75 Td (in ) Tj ET Q q 0 0 0 rg BT 373.02 259.75 Td (Canada ) Tj ET Q q 0 0 0 rg BT 411.23 259.75 Td (as ) Tj ET Q q 0 0 0 rg BT 424.98 259.75 Td (of ) Tj ET Q q 0 0 0 rg BT 436.50 259.75 Td (January ) Tj ET Q q 0 0 0 rg BT 475.26 259.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 492.35 259.75 Td (2015, ) Tj ET Q q 0 0 0 rg BT 520.56 259.75 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 247.75 Td (14,500 ) Tj ET Q q 0 0 0 rg BT 105.36 247.75 Td (in ) Tj ET Q q 0 0 0 rg BT 115.93 247.75 Td (the ) Tj ET Q q 0 0 0 rg BT 132.61 247.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 157.61 247.75 Td (and ) Tj ET Q q 0 0 0 rg BT 177.07 247.75 Td (approximately ) Tj ET Q q 0 0 0 rg BT 242.10 247.75 Td (1,400 ) Tj ET Q q 0 0 0 rg BT 269.91 247.75 Td (in ) Tj ET Q q 0 0 0 rg BT 280.47 247.75 Td (other ) Tj ET Q q 0 0 0 rg BT 306.04 247.75 Td (jurisdictions. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 225.75 Td (1.1.8 ) Tj ET Q q 0 0 0 rg BT 97.02 225.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 225.75 Td (Material ) Tj ET Q q 0 0 0 rg BT 140.37 225.75 Td (Supervisory ) Tj ET Q q 0 0 0 rg BT 200.58 225.75 Td (Authorities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 253.36 225.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 203.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.39 203.75 Td (Of) Tj ET Q q 0 0 0 rg BT 101.77 203.75 Td (fice ) Tj ET Q q 0 0 0 rg BT 119.49 203.75 Td (of ) Tj ET Q q 0 0 0 rg BT 129.98 203.75 Td (the ) Tj ET Q q 0 0 0 rg BT 146.04 203.75 Td (Superintendent ) Tj ET Q q 0 0 0 rg BT 216.03 203.75 Td (of ) Tj ET Q q 0 0 0 rg BT 226.53 203.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 268.71 203.75 Td (Institutions ) Tj ET Q q 0 0 0 rg BT 318.67 203.75 Td (\(OSFI\) ) Tj ET Q q 0 0 0 rg BT 350.82 203.75 Td (is ) Tj ET Q q 0 0 0 rg BT 360.20 203.75 Td (the ) Tj ET Q q 0 0 0 rg BT 376.26 203.75 Td (prudential ) Tj ET Q q 0 0 0 rg BT 422.34 203.75 Td (supervisor ) Tj ET Q q 0 0 0 rg BT 470.63 203.75 Td (of ) Tj ET Q q 0 0 0 rg BT 481.13 203.75 Td (the ) Tj ET Q q 0 0 0 rg BT 497.19 203.75 Td (Canadian ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 191.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 111.41 191.75 Td (institution ) Tj ET Q q 0 0 0 rg BT 156.37 191.75 Td (BMO, ) Tj ET Q q 0 0 0 rg BT 184.65 191.75 Td (and ) Tj ET Q q 0 0 0 rg BT 204.05 191.75 Td (therefore ) Tj ET Q q 0 0 0 rg BT 246.79 191.75 Td (OSFI ) Tj ET Q q 0 0 0 rg BT 272.85 191.75 Td (is ) Tj ET Q q 0 0 0 rg BT 282.79 191.75 Td (the ) Tj ET Q q 0 0 0 rg BT 299.41 191.75 Td (primary ) Tj ET Q q 0 0 0 rg BT 335.46 191.75 Td (worldwide ) Tj ET Q q 0 0 0 rg BT 382.64 191.75 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 436.49 191.75 Td (authority ) Tj ET Q q 0 0 0 rg BT 477.56 191.75 Td (for ) Tj ET Q q 0 0 0 rg BT 491.95 191.75 Td (BMO. ) Tj ET Q q 0 0 0 rg BT 520.23 191.75 Td ( ) Tj ET Q q 0 0 0 rg BT 522.77 191.75 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 179.75 Td (table ) Tj ET Q q 0 0 0 rg BT 96.46 179.75 Td (below ) Tj ET Q q 0 0 0 rg BT 125.37 179.75 Td (includes ) Tj ET Q q 0 0 0 rg BT 164.84 179.75 Td (material ) Tj ET Q q 0 0 0 rg BT 203.18 179.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 225.41 179.75 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 279.31 179.75 Td (authorities ) Tj ET Q q 0 0 0 rg BT 328.23 179.75 Td (related ) Tj ET Q q 0 0 0 rg BT 361.58 179.75 Td (to ) Tj ET Q q 0 0 0 rg BT 372.70 179.75 Td (the ) Tj ET Q q 0 0 0 rg BT 389.38 179.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 412.16 179.75 Td (identified ) Tj ET Q q 0 0 0 rg BT 454.97 179.75 Td (in ) Tj ET Q q 0 0 0 rg BT 465.53 179.75 Td (the ) Tj ET Q q 0 0 0 rg BT 482.21 179.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 513.89 179.75 Td (RP) Tj ET Q q 0 0 0 rg BT 526.50 179.75 Td (.) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.80 60.25 Td ( p14 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (Figure 1.1.8-1 Material Supervisory ) Tj ET Q q 0 0 0 rg BT 240.03 712.75 Td (Authorities) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 702.25 154.00 -16.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 226.50 702.25 314.00 -16.00 re f /GS0 gs 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 702.25 m 72.5 686.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 702.25 m 226.5 686.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 702.25 m 226.5 702.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 686.25 m 226.5 686.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 702.25 m 226.5 686.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 702.25 m 540.5 686.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 702.25 m 540.5 702.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 686.25 m 540.5 686.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 686.25 m 72.5 670.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 686.25 m 226.5 670.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 686.25 m 226.5 686.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 670.25 m 226.5 670.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 686.25 m 226.5 670.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 686.25 m 540.5 670.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 686.25 m 540.5 686.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 670.25 m 540.5 670.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 670.25 m 72.5 654.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 670.25 m 226.5 654.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 670.25 m 226.5 670.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 670.25 m 226.5 654.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 670.25 m 540.5 654.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 670.25 m 540.5 670.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 654.25 m 72.5 638.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 654.25 m 226.5 638.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 654.25 m 226.5 638.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 654.25 m 540.5 638.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 638.25 m 72.5 622.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 638.25 m 226.5 622.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 622.25 m 226.5 622.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 638.25 m 226.5 622.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 638.25 m 540.5 622.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 622.25 m 540.5 622.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 622.25 m 72.5 606.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 622.25 m 226.5 606.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 622.25 m 226.5 622.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 622.25 m 226.5 606.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 622.25 m 540.5 606.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 622.25 m 540.5 622.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 606.25 m 72.5 590.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 606.25 m 226.5 590.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 590.25 m 226.5 590.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 606.25 m 226.5 590.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 606.25 m 540.5 590.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 590.25 m 540.5 590.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 590.25 m 72.5 574.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 590.25 m 226.5 574.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 590.25 m 226.5 590.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 590.25 m 226.5 574.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 590.25 m 540.5 574.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 590.25 m 540.5 590.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 574.25 m 72.5 558.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 574.25 m 226.5 558.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 574.25 m 226.5 558.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 574.25 m 540.5 558.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 558.25 m 72.5 542.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 558.25 m 226.5 542.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 542.25 m 226.5 542.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 558.25 m 226.5 542.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 558.25 m 540.5 542.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 542.25 m 540.5 542.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 542.25 m 72.5 526.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 542.25 m 226.5 526.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 542.25 m 226.5 542.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 542.25 m 226.5 526.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 542.25 m 540.5 526.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 542.25 m 540.5 542.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 526.25 m 72.5 510.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 526.25 m 226.5 510.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 526.25 m 226.5 510.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 526.25 m 540.5 510.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 510.25 m 540.5 510.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 510.25 m 72.5 494.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 510.25 m 226.5 494.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 494.25 m 226.5 494.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 510.25 m 226.5 494.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 510.25 m 540.5 494.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 494.25 m 540.5 494.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 494.25 m 72.5 478.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 494.25 m 226.5 478.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 494.25 m 226.5 494.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 478.25 m 226.5 478.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 494.25 m 226.5 478.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 494.25 m 540.5 478.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 494.25 m 540.5 494.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 478.25 m 540.5 478.25 l s BT /F2 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 79.50 693.93 Td (Material ) Tj ET Q q 1 1 1 rg BT 111.96 693.93 Td (Entity) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 233.50 693.93 Td (Regulatory ) Tj ET Q q 1 1 1 rg BT 277.21 693.93 Td (Agency) Tj ET Q BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 79.50 677.93 Td (BMO ) Tj ET Q q 0 0 0 rg BT 99.95 677.93 Td (Financial ) Tj ET Q q 0 0 0 rg BT 134.18 677.93 Td (Corp.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 677.93 Td (Federal ) Tj ET Q q 0 0 0 rg BT 262.85 677.93 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 294.86 677.93 Td (Bank ) Tj ET Q q 0 0 0 rg BT 315.32 677.93 Td (of ) Tj ET Q q 0 0 0 rg BT 324.21 677.93 Td (Chicago) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 661.93 Td (BMO ) Tj ET Q q 0 0 0 rg BT 99.95 661.93 Td (Harris ) Tj ET Q q 0 0 0 rg BT 123.50 661.93 Td (Bank ) Tj ET Q q 0 0 0 rg BT 143.96 661.93 Td (N.A.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 661.93 Td (Of) Tj ET Q q 0 0 0 rg BT 241.87 661.93 Td (fice ) Tj ET Q q 0 0 0 rg BT 256.47 661.93 Td (of ) Tj ET Q q 0 0 0 rg BT 265.37 661.93 Td (the ) Tj ET Q q 0 0 0 rg BT 278.71 661.93 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 322.28 661.93 Td (of ) Tj ET Q q 0 0 0 rg BT 331.17 661.93 Td (the ) Tj ET Q q 0 0 0 rg BT 344.52 661.93 Td (Currency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 645.93 Td (Federal Deposit Insurance Corp.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 629.93 Td (Consumer Financial Protection Bureau) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 613.93 Td (BMO ) Tj ET Q q 0 0 0 rg BT 99.95 613.93 Td (Harris ) Tj ET Q q 0 0 0 rg BT 123.50 613.93 Td (Central ) Tj ET Q q 0 0 0 rg BT 151.51 613.93 Td (N.A.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 613.93 Td (Of) Tj ET Q q 0 0 0 rg BT 241.87 613.93 Td (fice ) Tj ET Q q 0 0 0 rg BT 256.47 613.93 Td (of ) Tj ET Q q 0 0 0 rg BT 265.37 613.93 Td (the ) Tj ET Q q 0 0 0 rg BT 278.71 613.93 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 322.28 613.93 Td (of ) Tj ET Q q 0 0 0 rg BT 331.17 613.93 Td (the ) Tj ET Q q 0 0 0 rg BT 344.52 613.93 Td (Currency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 597.93 Td (Federal ) Tj ET Q q 0 0 0 rg BT 262.85 597.93 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 292.20 597.93 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 329.55 597.93 Td (Corp.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 581.93 Td (BMO Capital Markets Corp.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 581.93 Td (Securities ) Tj ET Q q 0 0 0 rg BT 270.85 581.93 Td (and ) Tj ET Q q 0 0 0 rg BT 286.42 581.93 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 324.22 581.93 Td (Commission) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 565.93 Td (Financial Industry Regulatory Authority) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 549.93 Td (Commodity ) Tj ET Q q 0 0 0 rg BT 276.18 549.93 Td (Futures ) Tj ET Q q 0 0 0 rg BT 305.45 549.93 Td (T) Tj ET Q q 0 0 0 rg BT 310.11 549.93 Td (rading ) Tj ET Q q 0 0 0 rg BT 334.43 549.93 Td (Commission) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 533.93 Td (BMO ) Tj ET Q q 0 0 0 rg BT 99.95 533.93 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 131.52 533.93 Td (Branch) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 533.93 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 257.95 533.93 Td (Department ) Tj ET Q q 0 0 0 rg BT 301.97 533.93 Td (of ) Tj ET Q q 0 0 0 rg BT 310.87 533.93 Td (Financial ) Tj ET Q q 0 0 0 rg BT 345.11 533.93 Td (and ) Tj ET Q q 0 0 0 rg BT 360.68 533.93 Td (Professional ) Tj ET Q q 0 0 0 rg BT 406.92 533.93 Td (Regulation) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 517.93 Td (Federal ) Tj ET Q q 0 0 0 rg BT 262.85 517.93 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 294.86 517.93 Td (Bank ) Tj ET Q q 0 0 0 rg BT 315.32 517.93 Td (of ) Tj ET Q q 0 0 0 rg BT 324.21 517.93 Td (Chicago) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 501.93 Td (Commodity ) Tj ET Q q 0 0 0 rg BT 276.18 501.93 Td (Futures ) Tj ET Q q 0 0 0 rg BT 305.45 501.93 Td (T) Tj ET Q q 0 0 0 rg BT 310.11 501.93 Td (rading ) Tj ET Q q 0 0 0 rg BT 334.43 501.93 Td (Commission) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 485.93 Td (BMO Harris Financing, Inc.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 233.50 485.93 Td (Federal ) Tj ET Q q 0 0 0 rg BT 262.85 485.93 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 294.86 485.93 Td (Bank ) Tj ET Q q 0 0 0 rg BT 315.32 485.93 Td (of ) Tj ET Q q 0 0 0 rg BT 324.21 485.93 Td (Chicago) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 456.75 Td (1.1.9 ) Tj ET Q q 0 0 0 rg BT 97.02 456.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 456.75 Td (Principal ) Tj ET Q q 0 0 0 rg BT 144.81 456.75 Td (Officers) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.61 456.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 434.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.89 434.75 Td (table ) Tj ET Q q 0 0 0 rg BT 120.23 434.75 Td (below ) Tj ET Q q 0 0 0 rg BT 151.02 434.75 Td (identifies ) Tj ET Q q 0 0 0 rg BT 195.14 434.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 219.96 434.75 Td (s ) Tj ET Q q 0 0 0 rg BT 229.62 434.75 Td (Principal ) Tj ET Q q 0 0 0 rg BT 272.62 434.75 Td (Of) Tj ET Q q 0 0 0 rg BT 283.00 434.75 Td (ficers, ) Tj ET Q q 0 0 0 rg BT 314.33 434.75 Td (all ) Tj ET Q q 0 0 0 rg BT 328.99 434.75 Td (of ) Tj ET Q q 0 0 0 rg BT 341.99 434.75 Td (which ) Tj ET Q q 0 0 0 rg BT 372.21 434.75 Td (are ) Tj ET Q q 0 0 0 rg BT 391.32 434.75 Td (members ) Tj ET Q q 0 0 0 rg BT 437.65 434.75 Td (of ) Tj ET Q q 0 0 0 rg BT 450.65 434.75 Td (the ) Tj ET Q q 0 0 0 rg BT 469.21 434.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 496.64 434.75 Td (Executive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 422.75 Td (Committee:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 400.75 Td (Figure 1.1.9-1 BMO's Principal Officers) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 390.25 468.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 375.25 160.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 232.50 375.25 308.00 -15.00 re f /GS0 gs 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 390.25 m 72.5 375.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 390.25 m 232.5 390.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 375.25 m 232.5 375.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 390.25 m 540.5 375.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 390.25 m 540.5 390.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 375.25 m 540.5 375.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 375.25 m 72.5 360.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 375.25 m 232.5 360.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 375.25 m 232.5 375.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 360.25 m 232.5 360.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 375.25 m 232.5 360.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 375.25 m 540.5 360.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 375.25 m 540.5 375.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 360.25 m 540.5 360.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 360.25 m 72.5 345.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 360.25 m 232.5 345.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 360.25 m 232.5 360.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 345.25 m 232.5 345.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 360.25 m 232.5 345.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 360.25 m 540.5 345.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 360.25 m 540.5 360.25 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 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337.11 130.75 Td (Related ) Tj ET Q q 0 0 0 rg BT 376.01 130.75 Td (to ) Tj ET Q q 0 0 0 rg BT 388.23 130.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 442.67 130.75 Td (Planning) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 484.89 130.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 108.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.96 108.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 118.59 108.75 Td (has ) Tj ET Q q 0 0 0 rg BT 136.89 108.75 Td (developed ) Tj ET Q q 0 0 0 rg BT 185.23 108.75 Td (a ) Tj ET Q q 0 0 0 rg BT 192.97 108.75 Td (formal ) Tj ET Q q 0 0 0 rg BT 222.94 108.75 Td (governance ) Tj ET Q q 0 0 0 rg BT 277.38 108.75 Td (structure ) Tj ET Q q 0 0 0 rg BT 318.46 108.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 353.99 108.75 Td (to ) Tj ET Q q 0 0 0 rg BT 364.51 108.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 410.05 108.75 Td (planning, ) Tj ET Q q 0 0 0 rg BT 452.82 108.75 Td (which ) Tj ET Q q 0 0 0 rg BT 480.57 108.75 Td (leverages ) Tj ET Q q 0 0 0 rg BT 526.11 108.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 96.75 Td (existing ) Tj ET Q q 0 0 0 rg BT 108.21 96.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 133.29 96.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 155.04 96.75 Td (governance ) Tj ET Q q 0 0 0 rg BT 209.60 96.75 Td (framework ) Tj ET Q q 0 0 0 rg BT 258.57 96.75 Td (for ) Tj ET Q q 0 0 0 rg BT 272.54 96.75 Td (purposes ) Tj ET Q q 0 0 0 rg BT 315.98 96.75 Td (of ) Tj ET Q q 0 0 0 rg BT 326.62 96.75 Td (overseeing ) Tj ET Q q 0 0 0 rg BT 377.84 96.75 Td (the ) Tj ET Q q 0 0 0 rg BT 394.05 96.75 Td (entire ) Tj ET Q q 0 0 0 rg BT 421.36 96.75 Td (process ) Tj ET Q q 0 0 0 rg BT 458.68 96.75 Td (for ) Tj ET Q q 0 0 0 rg BT 472.65 96.75 Td (developing ) Tj ET Q q 0 0 0 rg BT 523.32 96.75 Td (and ) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p15 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (approving ) Tj ET Q q 0 0 0 rg BT 118.38 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 134.74 712.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 166.11 712.75 Td (RP) Tj ET Q q 0 0 0 rg BT 178.71 712.75 Td (. ) Tj ET Q q 0 0 0 rg BT 183.95 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 186.41 712.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 211.65 712.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 233.56 712.75 Td (has ) Tj ET Q q 0 0 0 rg BT 252.15 712.75 Td (formalized ) Tj ET Q q 0 0 0 rg BT 300.74 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 317.10 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 333.46 712.75 Td (development ) Tj ET Q q 0 0 0 rg BT 393.18 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 412.33 712.75 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 472.05 712.75 Td (of ) Tj ET Q q 0 0 0 rg BT 482.85 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 499.21 712.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 521.12 712.75 Td (RPs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (on ) Tj ET Q q 0 0 0 rg BT 85.90 700.75 Td (an ) Tj ET Q q 0 0 0 rg BT 99.80 700.75 Td (on-going ) Tj ET Q q 0 0 0 rg BT 141.50 700.75 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 678.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.05 678.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 120.76 678.75 Td (has ) Tj ET Q q 0 0 0 rg BT 140.15 678.75 Td (designated ) Tj ET Q q 0 0 0 rg BT 192.35 678.75 Td (the ) Tj ET Q q 0 0 0 rg BT 209.52 678.75 Td (following ) Tj ET Q q 0 0 0 rg BT 251.70 678.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 282.21 678.75 Td (of) Tj ET Q q 0 0 0 rg BT 290.36 678.75 Td (ficers ) Tj ET Q q 0 0 0 rg BT 317.52 678.75 Td (as ) Tj ET Q q 0 0 0 rg BT 331.35 678.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 372.40 678.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 426.81 678.75 Td (for ) Tj ET Q q 0 0 0 rg BT 441.75 678.75 Td (overseeing ) Tj ET Q q 0 0 0 rg BT 493.94 678.75 Td (the ) Tj ET Q q 0 0 0 rg BT 511.11 678.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 542.79 678.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (RP) Tj ET Q q 0 0 0 rg BT 84.60 666.75 Td (, ) Tj ET Q q 0 0 0 rg BT 90.16 666.75 Td (each ) Tj ET Q q 0 0 0 rg BT 114.62 666.75 Td (an ) Tj ET Q q 0 0 0 rg BT 128.52 666.75 Td (Accountable ) Tj ET Q q 0 0 0 rg BT 188.56 666.75 Td (Executive:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 644.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 644.75 Td (Chief ) Tj ET Q q 0 0 0 rg BT 134.12 644.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 176.92 644.75 Td (Of) Tj ET Q q 0 0 0 rg BT 187.30 644.75 Td (ficer ) Tj ET Q q 0 0 0 rg BT 208.97 644.75 Td (of ) Tj ET Q q 0 0 0 rg BT 220.08 644.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 245.64 644.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 288.44 644.75 Td (Group-U.S. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 629.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 629.75 Td (Senior ) Tj ET Q q 0 0 0 rg BT 139.68 629.75 Td (V) Tj ET Q q 0 0 0 rg BT 146.17 629.75 Td (ice ) Tj ET Q q 0 0 0 rg BT 161.74 629.75 Td (President, ) Tj ET Q q 0 0 0 rg BT 209.54 629.75 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 250.67 629.75 Td (BFC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 607.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.27 607.75 Td (Accountable ) Tj ET Q q 0 0 0 rg BT 153.36 607.75 Td (Executives ) Tj ET Q q 0 0 0 rg BT 206.75 607.75 Td (are ) Tj ET Q q 0 0 0 rg BT 226.25 607.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 269.07 607.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 325.26 607.75 Td (for ) Tj ET Q q 0 0 0 rg BT 341.97 607.75 Td (overseeing ) Tj ET Q q 0 0 0 rg BT 395.94 607.75 Td (the ) Tj ET Q q 0 0 0 rg BT 414.88 607.75 Td (development, ) Tj ET Q q 0 0 0 rg BT 479.96 607.75 Td (maintenance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 595.75 Td (implementation, ) Tj ET Q q 0 0 0 rg BT 144.77 595.75 Td (and ) Tj ET Q q 0 0 0 rg BT 163.63 595.75 Td (filing ) Tj ET Q q 0 0 0 rg BT 186.37 595.75 Td (of ) Tj ET Q q 0 0 0 rg BT 196.88 595.75 Td (the ) Tj ET Q q 0 0 0 rg BT 212.96 595.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 244.04 595.75 Td (RP) Tj ET Q q 0 0 0 rg BT 257.75 595.75 Td ( ) Tj ET Q q 0 0 0 rg BT 259.92 595.75 Td (and ) Tj ET Q q 0 0 0 rg BT 278.78 595.75 Td (compliance ) Tj ET Q q 0 0 0 rg BT 331.54 595.75 Td (with ) Tj ET Q q 0 0 0 rg BT 351.50 595.75 Td (the ) Tj ET Q q 0 0 0 rg BT 367.57 595.75 Td (rules ) Tj ET Q q 0 0 0 rg BT 391.42 595.75 Td (governing ) Tj ET Q q 0 0 0 rg BT 437.52 595.75 Td (RPs. ) Tj ET Q q 0 0 0 rg BT 461.22 595.75 Td (The ) Tj ET Q q 0 0 0 rg BT 480.63 595.75 Td (Head ) Tj ET Q q 0 0 0 rg BT 506.71 595.75 Td (of ) Tj ET Q q 0 0 0 rg BT 517.22 595.75 Td (BMO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 583.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 94.47 583.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 144.73 583.75 Td (and ) Tj ET Q q 0 0 0 rg BT 164.44 583.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 209.69 583.75 Td (Planning, ) Tj ET Q q 0 0 0 rg BT 254.40 583.75 Td (part ) Tj ET Q q 0 0 0 rg BT 274.65 583.75 Td (of ) Tj ET Q q 0 0 0 rg BT 286.01 583.75 Td (the ) Tj ET Q q 0 0 0 rg BT 302.93 583.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 328.72 583.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 351.19 583.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 401.46 583.75 Td (Planning ) Tj ET Q q 0 0 0 rg BT 443.40 583.75 Td (\(USRP\) ) Tj ET Q q 0 0 0 rg BT 480.86 583.75 Td (team, ) Tj ET Q q 0 0 0 rg BT 508.88 583.75 Td (reports ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 571.75 Td (directly ) Tj ET Q q 0 0 0 rg BT 106.45 571.75 Td (to ) Tj ET Q q 0 0 0 rg BT 117.57 571.75 Td (one ) Tj ET Q q 0 0 0 rg BT 137.03 571.75 Td (of ) Tj ET Q q 0 0 0 rg BT 148.15 571.75 Td (the ) Tj ET Q q 0 0 0 rg BT 164.28 571.75 Td (Accountable ) Tj ET Q q 0 0 0 rg BT 222.10 571.75 Td (Executives. ) Tj ET Q q 0 0 0 rg BT 276.01 571.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 549.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.49 549.75 Td (Boards ) Tj ET Q q 0 0 0 rg BT 125.43 549.75 Td (of ) Tj ET Q q 0 0 0 rg BT 136.03 549.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 178.30 549.75 Td (of ) Tj ET Q q 0 0 0 rg BT 188.89 549.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 211.15 549.75 Td (and ) Tj ET Q q 0 0 0 rg BT 230.10 549.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 255.13 549.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 284.06 549.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 309.11 549.75 Td (oversee ) Tj ET Q q 0 0 0 rg BT 346.94 549.75 Td (the ) Tj ET Q q 0 0 0 rg BT 363.10 549.75 Td (respective ) Tj ET Q q 0 0 0 rg BT 410.94 549.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 432.09 549.75 Td (through ) Tj ET Q q 0 0 0 rg BT 468.26 549.75 Td (regular ) Tj ET Q q 0 0 0 rg BT 501.65 549.75 Td (updates. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 537.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.20 537.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 117.17 537.75 Td (and ) Tj ET Q q 0 0 0 rg BT 137.82 537.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 162.34 537.75 Td (Boards ) Tj ET Q q 0 0 0 rg BT 198.00 537.75 Td (of ) Tj ET Q q 0 0 0 rg BT 210.30 537.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 254.27 537.75 Td (have ) Tj ET Q q 0 0 0 rg BT 279.93 537.75 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 323.91 537.75 Td (the ) Tj ET Q q 0 0 0 rg BT 341.78 537.75 Td (final ) Tj ET Q q 0 0 0 rg BT 364.09 537.75 Td (RP) Tj ET Q q 0 0 0 rg BT 377.80 537.75 Td ( ) Tj ET Q q 0 0 0 rg BT 381.77 537.75 Td (documents, ) Tj ET Q q 0 0 0 rg BT 437.43 537.75 Td (with ) Tj ET Q q 0 0 0 rg BT 459.18 537.75 Td (the ) Tj ET Q q 0 0 0 rg BT 477.05 537.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 501.02 537.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 531.67 537.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 525.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 114.24 525.75 Td (recommending ) Tj ET Q q 0 0 0 rg BT 182.62 525.75 Td (the ) Tj ET Q q 0 0 0 rg BT 198.75 525.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 229.89 525.75 Td (RP) Tj ET Q q 0 0 0 rg BT 243.60 525.75 Td ( ) Tj ET Q q 0 0 0 rg BT 245.84 525.75 Td (for ) Tj ET Q q 0 0 0 rg BT 259.74 525.75 Td (approval ) Tj ET Q q 0 0 0 rg BT 300.34 525.75 Td (and ) Tj ET Q q 0 0 0 rg BT 319.25 525.75 Td (the ) Tj ET Q q 0 0 0 rg BT 335.39 525.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 358.19 525.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 387.11 525.75 Td (of ) Tj ET Q q 0 0 0 rg BT 397.68 525.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 439.92 525.75 Td (approving ) Tj ET Q q 0 0 0 rg BT 486.07 525.75 Td (the ) Tj ET Q q 0 0 0 rg BT 502.21 525.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 517.22 525.75 Td (Plan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 513.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.19 513.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 117.94 513.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 147.58 513.75 Td (of ) Tj ET Q q 0 0 0 rg BT 158.89 513.75 Td (Directors, ) Tj ET Q q 0 0 0 rg BT 204.63 513.75 Td (as ) Tj ET Q q 0 0 0 rg BT 218.16 513.75 Td (the ) Tj ET Q q 0 0 0 rg BT 235.02 513.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 264.67 513.75 Td (of ) Tj ET Q q 0 0 0 rg BT 275.97 513.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 318.94 513.75 Td (of ) Tj ET Q q 0 0 0 rg BT 330.24 513.75 Td (the ) Tj ET Q q 0 0 0 rg BT 347.11 513.75 Td (Covered ) Tj ET Q q 0 0 0 rg BT 387.87 513.75 Td (Company) Tj ET Q q 0 0 0 rg BT 429.92 513.75 Td (, ) Tj ET Q q 0 0 0 rg BT 435.66 513.75 Td (has ) Tj ET Q q 0 0 0 rg BT 454.75 513.75 Td (delegated ) Tj ET Q q 0 0 0 rg BT 501.64 513.75 Td (approval ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 501.75 Td (authority ) Tj ET Q q 0 0 0 rg BT 112.62 501.75 Td (of ) Tj ET Q q 0 0 0 rg BT 123.23 501.75 Td (the ) Tj ET Q q 0 0 0 rg BT 139.39 501.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 170.56 501.75 Td (Plan ) Tj ET Q q 0 0 0 rg BT 192.84 501.75 Td (to ) Tj ET Q q 0 0 0 rg BT 203.45 501.75 Td (the ) Tj ET Q q 0 0 0 rg BT 219.62 501.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 241.33 501.75 Td (Country ) Tj ET Q q 0 0 0 rg BT 278.61 501.75 Td (Head, ) Tj ET Q q 0 0 0 rg BT 307.56 501.75 Td (CEO, ) Tj ET Q q 0 0 0 rg BT 334.28 501.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 359.32 501.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 401.60 501.75 Td (Corp. ) Tj ET Q q 0 0 0 rg BT 428.32 501.75 Td (\(U.S. ) Tj ET Q q 0 0 0 rg BT 453.37 501.75 Td (Country ) Tj ET Q q 0 0 0 rg BT 490.65 501.75 Td (Head\). ) Tj ET Q q 0 0 0 rg BT 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(and ) Tj ET Q q 0 0 0 rg BT 91.46 477.75 Td (decisions ) Tj ET Q q 0 0 0 rg BT 135.93 477.75 Td (throughout ) Tj ET Q q 0 0 0 rg BT 186.53 477.75 Td (the ) Tj ET Q q 0 0 0 rg BT 203.21 477.75 Td (preparation ) Tj ET Q q 0 0 0 rg BT 256.58 477.75 Td (process ) Tj ET Q q 0 0 0 rg BT 294.37 477.75 Td (of ) Tj ET Q q 0 0 0 rg BT 305.49 477.75 Td (the ) Tj ET Q q 0 0 0 rg BT 322.17 477.75 Td (RPs. ) Tj ET Q q 0 0 0 rg BT 346.61 477.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 455.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.86 455.75 Td (approvals ) Tj ET Q q 0 0 0 rg BT 137.85 455.75 Td (of ) Tj ET Q q 0 0 0 rg BT 148.81 455.75 Td (the ) Tj ET Q q 0 0 0 rg BT 165.34 455.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 186.86 455.75 Td (were ) Tj ET Q q 0 0 0 rg BT 211.17 455.75 Td (based ) Tj ET Q q 0 0 0 rg BT 241.04 455.75 Td (on ) Tj ET Q q 0 0 0 rg BT 254.79 455.75 Td (the ) Tj ET Q q 0 0 0 rg BT 271.32 455.75 Td (individual ) Tj ET Q q 0 0 0 rg BT 315.64 455.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 345.51 455.75 Td (executive ) Tj ET Q q 0 0 0 rg BT 390.38 455.75 Td (reviews ) Tj ET Q q 0 0 0 rg BT 426.91 455.75 Td (and ) Tj ET Q q 0 0 0 rg BT 446.22 455.75 Td (recommendations ) Tj ET Q q 0 0 0 rg BT 528.33 455.75 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 443.75 Td (approval ) Tj ET Q q 0 0 0 rg BT 112.86 443.75 Td (of ) Tj ET Q q 0 0 0 rg BT 123.70 443.75 Td (the ) Tj ET Q q 0 0 0 rg BT 140.10 443.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 161.49 443.75 Td (and ) Tj ET Q q 0 0 0 rg BT 180.67 443.75 Td (reliance ) Tj ET Q q 0 0 0 rg BT 218.19 443.75 Td (on ) Tj ET Q q 0 0 0 rg BT 231.81 443.75 Td (the ) Tj ET Q q 0 0 0 rg BT 248.21 443.75 Td (attestations ) Tj ET Q q 0 0 0 rg BT 301.85 443.75 Td (from ) Tj ET Q q 0 0 0 rg BT 324.35 443.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 354.09 443.75 Td (management ) Tj ET Q q 0 0 0 rg BT 414.96 443.75 Td (of ) Tj ET Q q 0 0 0 rg BT 425.80 443.75 Td (the ) Tj ET Q q 0 0 0 rg BT 442.20 443.75 Td (respective ) Tj ET Q q 0 0 0 rg BT 490.27 443.75 Td (MEs, ) Tj ET Q q 0 0 0 rg BT 515.55 443.75 Td (CBLs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 431.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.35 431.75 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 138.48 431.75 Td (Support ) Tj ET Q q 0 0 0 rg BT 175.64 431.75 Td (Areas ) Tj ET Q q 0 0 0 rg BT 204.42 431.75 Td (\(CSAs\). ) Tj ET Q q 0 0 0 rg BT 242.09 431.75 Td ( ) Tj ET Q q 0 0 0 rg BT 244.58 431.75 Td (The ) Tj ET Q q 0 0 0 rg BT 264.47 431.75 Td (strategies ) Tj ET Q q 0 0 0 rg BT 310.49 431.75 Td (for ) Tj ET Q q 0 0 0 rg BT 324.82 431.75 Td (each ) Tj ET Q q 0 0 0 rg BT 349.17 431.75 Td (of ) Tj ET Q q 0 0 0 rg BT 360.17 431.75 Td (the ) Tj ET Q q 0 0 0 rg BT 376.74 431.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 399.40 431.75 Td (and ) Tj ET Q q 0 0 0 rg BT 418.75 431.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 445.86 431.75 Td (were ) Tj ET Q q 0 0 0 rg BT 470.20 431.75 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 512.88 431.75 Td (by ) Tj ET Q q 0 0 0 rg BT 526.11 431.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 419.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 124.71 419.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 153.52 419.75 Td (management ) Tj ET Q q 0 0 0 rg BT 213.46 419.75 Td (and ) Tj ET Q q 0 0 0 rg BT 231.71 419.75 Td (other ) Tj ET Q q 0 0 0 rg BT 256.07 419.75 Td (personnel ) Tj ET Q q 0 0 0 rg BT 301.57 419.75 Td (in ) Tj ET Q q 0 0 0 rg BT 310.92 419.75 Td (these ) Tj ET Q q 0 0 0 rg BT 336.95 419.75 Td (areas. ) Tj ET Q q 0 0 0 rg BT 366.31 419.75 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 425.68 419.75 Td (each ) Tj ET Q q 0 0 0 rg BT 448.93 419.75 Td (function ) Tj ET Q q 0 0 0 rg BT 485.53 419.75 Td (collaborated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 407.75 Td (to ) Tj ET Q q 0 0 0 rg BT 82.34 407.75 Td (gather ) Tj ET Q q 0 0 0 rg BT 112.70 407.75 Td (and ) Tj ET Q q 0 0 0 rg BT 131.39 407.75 Td (provide ) Tj ET Q q 0 0 0 rg BT 166.20 407.75 Td (input ) Tj ET Q q 0 0 0 rg BT 189.89 407.75 Td (to ) Tj ET Q q 0 0 0 rg BT 200.23 407.75 Td (the ) Tj ET Q q 0 0 0 rg BT 216.14 407.75 Td (RPs. ) Tj ET Q q 0 0 0 rg BT 239.81 407.75 Td (Each ) Tj ET Q q 0 0 0 rg BT 264.61 407.75 Td (function) Tj ET Q q 0 0 0 rg BT 301.67 407.75 Td (s ) Tj ET Q q 0 0 0 rg BT 308.68 407.75 Td (input ) Tj ET Q q 0 0 0 rg BT 332.37 407.75 Td (has ) Tj ET Q q 0 0 0 rg BT 350.50 407.75 Td (been ) Tj ET Q q 0 0 0 rg BT 374.75 407.75 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 416.77 407.75 Td (by ) Tj ET Q q 0 0 0 rg BT 429.34 407.75 Td (the ) Tj ET Q q 0 0 0 rg BT 445.25 407.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 472.85 407.75 Td ( ) Tj ET Q q 0 0 0 rg BT 474.85 407.75 Td (team ) Tj ET Q q 0 0 0 rg BT 499.09 407.75 Td (to ) Tj ET Q q 0 0 0 rg BT 509.43 407.75 Td (ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 395.75 Td (consistency ) Tj ET Q q 0 0 0 rg BT 127.02 395.75 Td (and ) Tj ET Q q 0 0 0 rg BT 146.49 395.75 Td (accuracy ) Tj ET Q q 0 0 0 rg BT 189.28 395.75 Td (of ) Tj ET Q q 0 0 0 rg BT 200.40 395.75 Td (information ) Tj ET Q q 0 0 0 rg BT 252.64 395.75 Td (contained ) Tj ET Q q 0 0 0 rg BT 298.79 395.75 Td (within ) Tj ET Q q 0 0 0 rg BT 327.14 395.75 Td (the ) Tj ET Q q 0 0 0 rg BT 343.82 395.75 Td (RPs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 373.75 Td (The ) Tj ET Q q 0 0 0 rg BT 90.74 373.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 115.04 373.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 136.00 373.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 195.88 373.75 Td (Committee ) Tj ET Q q 0 0 0 rg BT 245.74 373.75 Td (\(BMO ) Tj ET Q q 0 0 0 rg BT 273.36 373.75 Td (USMC\) ) Tj ET Q q 0 0 0 rg BT 307.64 373.75 Td (includes ) Tj ET Q q 0 0 0 rg BT 345.84 373.75 Td (representatives ) Tj ET Q q 0 0 0 rg BT 415.73 373.75 Td (from ) Tj ET Q q 0 0 0 rg BT 437.24 373.75 Td (all ) Tj ET Q q 0 0 0 rg BT 448.76 373.75 Td (of ) Tj ET Q q 0 0 0 rg BT 458.61 373.75 Td (the ) Tj ET Q q 0 0 0 rg BT 474.02 373.75 Td (major ) Tj ET Q q 0 0 0 rg BT 500.54 373.75 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 361.75 Td (lines ) Tj ET Q q 0 0 0 rg BT 94.56 361.75 Td (in ) Tj ET Q q 0 0 0 rg BT 104.33 361.75 Td (the ) Tj ET Q q 0 0 0 rg BT 120.22 361.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 141.53 361.75 Td (The ) Tj ET Q q 0 0 0 rg BT 160.75 361.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 185.52 361.75 Td (USMC ) Tj ET Q q 0 0 0 rg BT 216.95 361.75 Td (has ) Tj ET Q q 0 0 0 rg BT 235.07 361.75 Td (received ) Tj ET Q q 0 0 0 rg BT 274.86 361.75 Td (periodic ) Tj ET Q q 0 0 0 rg BT 311.87 361.75 Td (updates ) Tj ET Q q 0 0 0 rg BT 349.44 361.75 Td (of ) Tj ET Q q 0 0 0 rg BT 359.77 361.75 Td (the ) Tj ET Q q 0 0 0 rg BT 375.66 361.75 Td (RPs) Tj ET Q q 0 0 0 rg BT 396.41 361.75 Td ( ) Tj ET Q q 0 0 0 rg BT 398.40 361.75 Td (progress ) Tj ET Q q 0 0 0 rg BT 439.29 361.75 Td (and ) Tj ET Q q 0 0 0 rg BT 457.97 361.75 Td (has ) Tj ET Q q 0 0 0 rg BT 476.08 361.75 Td (recommended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 349.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.68 349.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 110.35 349.75 Td (for ) Tj ET Q q 0 0 0 rg BT 124.80 349.75 Td (approval ) Tj ET Q q 0 0 0 rg BT 165.94 349.75 Td (to ) Tj ET Q q 0 0 0 rg BT 177.05 349.75 Td (the ) Tj ET Q q 0 0 0 rg BT 193.73 349.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 215.96 349.75 Td (Country ) Tj ET Q q 0 0 0 rg BT 253.75 349.75 Td (Head ) Tj ET Q q 0 0 0 rg BT 280.44 349.75 Td (and ) Tj ET Q q 0 0 0 rg BT 299.90 349.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 323.24 349.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 352.70 349.75 Td (of ) Tj ET Q q 0 0 0 rg BT 363.82 349.75 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 409.38 349.75 Td ( ) Tj ET Q q 0 0 0 rg BT 412.16 349.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 327.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.49 327.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 118.53 327.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 141.24 327.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 191.75 327.75 Td (Planning ) Tj ET Q q 0 0 0 rg BT 233.93 327.75 Td (Steering ) Tj ET Q q 0 0 0 rg BT 274.43 327.75 Td (Committee ) Tj ET Q q 0 0 0 rg BT 326.04 327.75 Td (\(USRP) Tj ET Q q 0 0 0 rg BT 356.97 327.75 Td ( ) Tj ET Q q 0 0 0 rg BT 360.23 327.75 Td (SC\) ) Tj ET Q q 0 0 0 rg BT 380.71 327.75 Td (includes ) Tj ET Q q 0 0 0 rg BT 420.66 327.75 Td (representatives ) Tj ET Q q 0 0 0 rg BT 492.29 327.75 Td (from ) Tj ET Q q 0 0 0 rg BT 515.55 327.75 Td (CBLs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 315.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.68 315.75 Td (CSAs, ) Tj ET Q q 0 0 0 rg BT 123.01 315.75 Td (and ) Tj ET Q q 0 0 0 rg BT 142.69 315.75 Td (reports ) Tj ET Q q 0 0 0 rg BT 176.80 315.75 Td (to ) Tj ET Q q 0 0 0 rg BT 188.14 315.75 Td (the ) Tj ET Q q 0 0 0 rg BT 205.03 315.75 Td (Boards ) Tj ET Q q 0 0 0 rg BT 239.71 315.75 Td (of ) Tj ET Q q 0 0 0 rg BT 251.04 315.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 294.04 315.75 Td (of ) Tj ET Q q 0 0 0 rg BT 305.37 315.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 328.36 315.75 Td (and ) Tj ET Q q 0 0 0 rg BT 348.04 315.75 Td (BHB. ) Tj ET Q q 0 0 0 rg BT 374.37 315.75 Td ( ) Tj ET Q q 0 0 0 rg BT 377.17 315.75 Td (The ) Tj ET Q q 0 0 0 rg BT 397.39 315.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 425.00 315.75 Td ( ) Tj ET Q q 0 0 0 rg BT 427.99 315.75 Td (SC ) Tj ET Q q 0 0 0 rg BT 444.87 315.75 Td (meets ) Tj ET Q q 0 0 0 rg BT 475.10 315.75 Td (monthly ) Tj ET Q q 0 0 0 rg BT 513.10 315.75 Td (and ) Tj ET Q q 0 0 0 rg BT 532.78 315.75 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 303.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 125.80 303.75 Td (for ) Tj ET Q q 0 0 0 rg BT 140.13 303.75 Td (the ) Tj ET Q q 0 0 0 rg BT 156.68 303.75 Td (results ) Tj ET Q q 0 0 0 rg BT 188.79 303.75 Td (and ) Tj ET Q q 0 0 0 rg BT 208.13 303.75 Td (direction, ) Tj ET Q q 0 0 0 rg BT 251.37 303.75 Td (as ) Tj ET Q q 0 0 0 rg BT 264.58 303.75 Td (well ) Tj ET Q q 0 0 0 rg BT 284.47 303.75 Td (as ) Tj ET Q q 0 0 0 rg BT 297.68 303.75 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 342.58 303.75 Td (and ) Tj ET Q q 0 0 0 rg BT 361.92 303.75 Td (approving ) Tj ET Q q 0 0 0 rg BT 408.50 303.75 Td (the ) Tj ET Q q 0 0 0 rg BT 425.06 303.75 Td (approach, ) Tj ET Q q 0 0 0 rg BT 472.19 303.75 Td (implementation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 291.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 93.05 291.75 Td (and ) Tj ET Q q 0 0 0 rg BT 111.88 291.75 Td (resource ) Tj ET Q q 0 0 0 rg BT 152.93 291.75 Td (allocation ) Tj ET Q q 0 0 0 rg BT 197.32 291.75 Td (with ) Tj ET Q q 0 0 0 rg BT 217.25 291.75 Td (respect ) Tj ET Q q 0 0 0 rg BT 252.19 291.75 Td (to ) Tj ET Q q 0 0 0 rg BT 262.67 291.75 Td (the ) Tj ET Q q 0 0 0 rg BT 278.71 291.75 Td (RPs. ) Tj ET Q q 0 0 0 rg BT 302.39 291.75 Td (The ) Tj ET Q q 0 0 0 rg BT 321.76 291.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 349.37 291.75 Td ( ) Tj ET Q q 0 0 0 rg BT 351.51 291.75 Td (SC ) Tj ET Q q 0 0 0 rg BT 367.54 291.75 Td (includes ) Tj ET Q q 0 0 0 rg BT 406.38 291.75 Td (several ) Tj ET Q q 0 0 0 rg BT 440.76 291.75 Td (members ) Tj ET Q q 0 0 0 rg BT 484.58 291.75 Td (who ) Tj ET Q q 0 0 0 rg BT 505.06 291.75 Td (are ) Tj ET Q q 0 0 0 rg BT 521.66 291.75 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 279.75 Td (members ) Tj ET Q q 0 0 0 rg BT 115.90 279.75 Td (of ) Tj ET Q q 0 0 0 rg BT 126.46 279.75 Td (the ) Tj ET Q q 0 0 0 rg BT 142.58 279.75 Td (BMOFG ) Tj ET Q q 0 0 0 rg BT 181.47 279.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 225.93 279.75 Td (and ) Tj ET Q q 0 0 0 rg BT 244.83 279.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 294.31 279.75 Td (Planning ) Tj ET Q q 0 0 0 rg BT 335.45 279.75 Td (Steering ) Tj ET Q q 0 0 0 rg BT 374.92 279.75 Td (Committee ) Tj ET Q q 0 0 0 rg BT 425.49 279.75 Td (to ) Tj ET Q q 0 0 0 rg BT 436.05 279.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 468.85 279.75 Td (consistency ) Tj ET Q q 0 0 0 rg BT 523.31 279.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 267.75 Td (coordination ) Tj ET Q q 0 0 0 rg BT 129.26 267.75 Td (across ) Tj ET Q q 0 0 0 rg BT 161.49 267.75 Td (multiple ) Tj ET Q q 0 0 0 rg BT 198.73 267.75 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 253.75 267.75 Td (related ) Tj ET Q q 0 0 0 rg BT 287.10 267.75 Td (to ) Tj ET Q q 0 0 0 rg BT 298.22 267.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 344.36 267.75 Td (planning. ) Tj ET Q q 0 0 0 rg BT 387.73 267.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 245.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.43 245.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 116.41 245.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 138.06 245.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 187.51 245.75 Td (Planning ) Tj ET Q q 0 0 0 rg BT 228.63 245.75 Td (Design ) Tj ET Q q 0 0 0 rg BT 261.95 245.75 Td (Sub-Committee ) Tj ET Q q 0 0 0 rg BT 333.62 245.75 Td (is ) Tj ET Q q 0 0 0 rg BT 343.04 245.75 Td (a ) Tj ET Q q 0 0 0 rg BT 350.80 245.75 Td (sub-committee ) Tj ET Q q 0 0 0 rg BT 418.58 245.75 Td (of ) Tj ET Q q 0 0 0 rg BT 429.12 245.75 Td (the ) Tj ET Q q 0 0 0 rg BT 445.22 245.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 472.82 245.75 Td ( ) Tj ET Q q 0 0 0 rg BT 475.02 245.75 Td (SC, ) Tj ET Q q 0 0 0 rg BT 493.89 245.75 Td (comprised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 233.75 Td (of ) Tj ET Q q 0 0 0 rg BT 82.24 233.75 Td (executives ) Tj ET Q q 0 0 0 rg BT 131.39 233.75 Td (from ) Tj ET Q q 0 0 0 rg BT 153.30 233.75 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 193.55 233.75 Td (Risk, ) Tj ET Q q 0 0 0 rg BT 217.68 233.75 Td (Legal ) Tj ET Q q 0 0 0 rg BT 244.05 233.75 Td (and ) Tj ET Q q 0 0 0 rg BT 262.64 233.75 Td (BMOFG) Tj ET Q q 0 0 0 rg BT 301.34 233.75 Td (s ) Tj ET Q q 0 0 0 rg BT 308.25 233.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 350.17 233.75 Td (Crisis ) Tj ET Q q 0 0 0 rg BT 377.07 233.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 437.34 233.75 Td (Of) Tj ET Q q 0 0 0 rg BT 447.72 233.75 Td (fice. ) Tj ET Q q 0 0 0 rg BT 467.84 233.75 Td (This ) Tj ET Q q 0 0 0 rg BT 488.63 233.75 Td (team ) Tj ET Q q 0 0 0 rg BT 512.77 233.75 Td (meets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 221.75 Td (as ) Tj ET Q q 0 0 0 rg BT 85.16 221.75 Td (needed, ) Tj ET Q q 0 0 0 rg BT 123.91 221.75 Td (and ) Tj ET Q q 0 0 0 rg BT 143.20 221.75 Td (is ) Tj ET Q q 0 0 0 rg BT 153.02 221.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 206.77 221.75 Td (for ) Tj ET Q q 0 0 0 rg BT 221.04 221.75 Td (providing ) Tj ET Q q 0 0 0 rg BT 264.22 221.75 Td (guidance ) Tj ET Q q 0 0 0 rg BT 307.42 221.75 Td (on ) Tj ET Q q 0 0 0 rg BT 321.14 221.75 Td (the ) Tj ET Q q 0 0 0 rg BT 337.64 221.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 375.82 221.75 Td (for ) Tj ET Q q 0 0 0 rg BT 390.09 221.75 Td (the ) Tj ET Q q 0 0 0 rg BT 406.59 221.75 Td (RPs, ) Tj ET Q q 0 0 0 rg BT 430.87 221.75 Td (making ) Tj ET Q q 0 0 0 rg BT 465.70 221.75 Td (interim ) Tj ET Q q 0 0 0 rg BT 498.31 221.75 Td (decisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 209.75 Td (or ) Tj ET Q q 0 0 0 rg BT 83.43 209.75 Td (providing ) Tj ET Q q 0 0 0 rg BT 126.55 209.75 Td (guidance ) Tj ET Q q 0 0 0 rg BT 169.68 209.75 Td (prior ) Tj ET Q q 0 0 0 rg BT 192.22 209.75 Td (to ) Tj ET Q q 0 0 0 rg BT 203.10 209.75 Td (any ) Tj ET Q q 0 0 0 rg BT 221.76 209.75 Td (issues ) Tj ET Q q 0 0 0 rg BT 252.64 209.75 Td (being ) Tj ET Q q 0 0 0 rg BT 279.65 209.75 Td (escalated ) Tj ET Q q 0 0 0 rg BT 324.99 209.75 Td (to ) Tj ET Q q 0 0 0 rg BT 335.87 209.75 Td (the ) Tj ET Q q 0 0 0 rg BT 352.31 209.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 379.91 209.75 Td ( ) Tj ET Q q 0 0 0 rg BT 382.45 209.75 Td (SC, ) Tj ET Q q 0 0 0 rg BT 401.66 209.75 Td (and ) Tj ET Q q 0 0 0 rg BT 420.88 209.75 Td (acting ) Tj ET Q q 0 0 0 rg BT 450.11 209.75 Td (as ) Tj ET Q q 0 0 0 rg BT 463.21 209.75 Td (a ) Tj ET Q q 0 0 0 rg BT 471.30 209.75 Td (sounding ) Tj ET Q q 0 0 0 rg BT 514.43 209.75 Td (board ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 197.75 Td (for ) Tj ET Q q 0 0 0 rg BT 86.45 197.75 Td (the ) Tj ET Q q 0 0 0 rg BT 103.13 197.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 130.73 197.75 Td ( ) Tj ET Q q 0 0 0 rg BT 133.51 197.75 Td (team.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 175.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.60 175.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 121.21 175.75 Td ( ) Tj ET Q q 0 0 0 rg BT 125.58 175.75 Td (team ) Tj ET Q q 0 0 0 rg BT 152.18 175.75 Td (is ) Tj ET Q q 0 0 0 rg BT 163.77 175.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 219.29 175.75 Td (for ) Tj ET Q q 0 0 0 rg BT 235.33 175.75 Td (coordinating ) Tj ET Q q 0 0 0 rg BT 294.18 175.75 Td (the ) Tj ET Q q 0 0 0 rg BT 312.46 175.75 Td (process ) Tj ET Q q 0 0 0 rg BT 351.84 175.75 Td (of ) Tj ET Q q 0 0 0 rg BT 364.55 175.75 Td (planning, ) Tj ET Q q 0 0 0 rg BT 409.52 175.75 Td (development, ) Tj ET Q q 0 0 0 rg BT 473.93 175.75 Td (quality ) Tj ET Q q 0 0 0 rg BT 507.20 175.75 Td (control, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 163.75 Td (executive ) Tj ET Q q 0 0 0 rg BT 116.16 163.75 Td (sign-of) Tj ET Q q 0 0 0 rg BT 146.00 163.75 Td (f, ) Tj ET Q q 0 0 0 rg BT 153.47 163.75 Td (approvals, ) Tj ET Q q 0 0 0 rg BT 201.53 163.75 Td (and ) Tj ET Q q 0 0 0 rg BT 220.13 163.75 Td (submissions ) Tj ET Q q 0 0 0 rg BT 277.06 163.75 Td (of ) Tj ET Q q 0 0 0 rg BT 287.32 163.75 Td (both ) Tj ET Q q 0 0 0 rg BT 308.70 163.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 329.51 163.75 Td (to ) Tj ET Q q 0 0 0 rg BT 339.77 163.75 Td (the ) Tj ET Q q 0 0 0 rg BT 355.58 163.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 393.08 163.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 414.44 163.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 460.83 163.75 Td (bodies, ) Tj ET Q q 0 0 0 rg BT 494.99 163.75 Td (consistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 151.75 Td (with ) Tj ET Q q 0 0 0 rg BT 92.56 151.75 Td (internal ) Tj ET Q q 0 0 0 rg BT 128.14 151.75 Td (quality ) Tj ET Q q 0 0 0 rg BT 159.82 151.75 Td (standards, ) Tj ET Q q 0 0 0 rg BT 209.29 151.75 Td (industry ) Tj ET Q q 0 0 0 rg BT 247.09 151.75 Td (best ) Tj ET Q q 0 0 0 rg BT 268.77 151.75 Td (practices ) Tj ET Q q 0 0 0 rg BT 311.56 151.75 Td (and ) Tj ET Q q 0 0 0 rg BT 331.02 151.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 378.27 151.75 Td (expectations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 129.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.98 129.75 Td (day-to-day ) Tj ET Q q 0 0 0 rg BT 141.97 129.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 183.06 129.75 Td (with ) Tj ET Q q 0 0 0 rg BT 203.59 129.75 Td (respect ) Tj ET Q q 0 0 0 rg BT 239.13 129.75 Td (to ) Tj ET Q q 0 0 0 rg BT 250.22 129.75 Td (the ) Tj ET Q q 0 0 0 rg BT 266.87 129.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 288.51 129.75 Td (are ) Tj ET Q q 0 0 0 rg BT 305.71 129.75 Td (managed ) Tj ET Q q 0 0 0 rg BT 350.15 129.75 Td (by ) Tj ET Q q 0 0 0 rg BT 363.46 129.75 Td (the ) Tj ET Q q 0 0 0 rg BT 380.11 129.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 407.71 129.75 Td ( ) Tj ET Q q 0 0 0 rg BT 410.46 129.75 Td (team. ) Tj ET Q q 0 0 0 rg BT 438.22 129.75 Td ( ) Tj ET Q q 0 0 0 rg BT 440.79 129.75 Td (The ) Tj ET Q q 0 0 0 rg BT 460.76 129.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 488.37 129.75 Td ( ) Tj ET Q q 0 0 0 rg BT 491.11 129.75 Td (team ) Tj ET Q q 0 0 0 rg BT 516.09 129.75 Td (leads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 117.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.28 117.75 Td (determination ) Tj ET Q q 0 0 0 rg BT 151.25 117.75 Td (of ) Tj ET Q q 0 0 0 rg BT 161.96 117.75 Td (the ) Tj ET Q q 0 0 0 rg BT 178.24 117.75 Td (foundational ) Tj ET Q q 0 0 0 rg BT 235.11 117.75 Td (elements ) Tj ET Q q 0 0 0 rg BT 278.06 117.75 Td (and ) Tj ET Q q 0 0 0 rg BT 297.13 117.75 Td (the ) Tj ET Q q 0 0 0 rg BT 313.40 117.75 Td (strategic ) Tj ET Q q 0 0 0 rg BT 353.57 117.75 Td (analysis, ) Tj ET Q q 0 0 0 rg BT 394.86 117.75 Td (drives ) Tj ET Q q 0 0 0 rg BT 423.91 117.75 Td (the ) Tj ET Q q 0 0 0 rg BT 440.19 117.75 Td (overall ) Tj ET Q q 0 0 0 rg BT 472.02 117.75 Td (development ) Tj ET Q q 0 0 0 rg BT 531.66 117.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 105.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.66 105.75 Td (document ) Tj ET Q q 0 0 0 rg BT 135.34 105.75 Td (and ) Tj ET Q q 0 0 0 rg BT 154.79 105.75 Td (managing ) Tj ET Q q 0 0 0 rg BT 201.48 105.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 248.71 105.75 Td (interaction. ) Tj ET Q q 0 0 0 rg BT 300.39 105.75 Td ( ) Tj ET Q q 0 0 0 rg BT 302.97 105.75 Td (The ) Tj ET Q q 0 0 0 rg BT 322.96 105.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 350.57 105.75 Td ( ) Tj ET Q q 0 0 0 rg BT 353.33 105.75 Td (team ) Tj ET Q q 0 0 0 rg BT 378.32 105.75 Td (holds ) Tj ET Q q 0 0 0 rg BT 404.99 105.75 Td (bi-weekly ) Tj ET Q q 0 0 0 rg BT 449.44 105.75 Td (status ) Tj ET Q q 0 0 0 rg BT 478.88 105.75 Td (meetings ) Tj ET Q q 0 0 0 rg BT 522.22 105.75 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 93.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 102.38 93.75 Td (executives ) Tj ET Q q 0 0 0 rg BT 152.77 93.75 Td (and ) Tj ET Q q 0 0 0 rg BT 172.60 93.75 Td (management ) Tj ET Q q 0 0 0 rg BT 234.12 93.75 Td (across ) Tj ET Q q 0 0 0 rg BT 266.72 93.75 Td (the ) Tj ET Q q 0 0 0 rg BT 283.77 93.75 Td (MEs, ) Tj ET Q q 0 0 0 rg BT 309.69 93.75 Td (CBLs, ) Tj ET Q q 0 0 0 rg BT 340.07 93.75 Td (and ) Tj ET Q q 0 0 0 rg BT 359.90 93.75 Td (functions ) Tj ET Q q 0 0 0 rg BT 403.07 93.75 Td (to ) Tj ET Q q 0 0 0 rg BT 414.56 93.75 Td (coordinate ) Tj ET Q q 0 0 0 rg BT 464.40 93.75 Td (ef) Tj ET Q q 0 0 0 rg BT 472.56 93.75 Td (forts ) Tj ET Q q 0 0 0 rg BT 495.15 93.75 Td (and ) Tj ET Q q 0 0 0 rg BT 514.98 93.75 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 81.75 Td (resources ) Tj ET Q q 0 0 0 rg BT 118.28 81.75 Td (across ) Tj ET Q q 0 0 0 rg BT 150.12 81.75 Td (the ) Tj ET Q q 0 0 0 rg BT 166.39 81.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 204.35 81.75 Td (groups ) Tj ET Q q 0 0 0 rg BT 237.30 81.75 Td (while ) Tj ET Q q 0 0 0 rg BT 262.47 81.75 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 311.54 81.75 Td (and ) Tj ET Q q 0 0 0 rg BT 330.60 81.75 Td (planning ) Tj ET Q q 0 0 0 rg BT 370.79 81.75 Td (workstream ) Tj ET Q q 0 0 0 rg BT 424.84 81.75 Td (activities. ) Tj ET Q q 0 0 0 rg BT 468.19 81.75 Td (The ) Tj ET Q q 0 0 0 rg BT 487.80 81.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 515.40 81.75 Td ( ) Tj ET Q q 0 0 0 rg BT 517.78 81.75 Td (team ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I14 Do Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p16 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (also ) Tj ET Q q 0 0 0 rg BT 92.91 712.75 Td (coordinates ) Tj ET Q q 0 0 0 rg BT 147.18 712.75 Td (with ) Tj ET Q q 0 0 0 rg BT 167.53 712.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 192.35 712.75 Td (s ) Tj ET Q q 0 0 0 rg BT 199.91 712.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 242.50 712.75 Td (Crisis ) Tj ET Q q 0 0 0 rg BT 270.06 712.75 Td 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(the ) Tj ET Q q 0 0 0 rg BT 123.97 678.75 Td (in-depth ) Tj ET Q q 0 0 0 rg BT 163.90 678.75 Td (expertise ) Tj ET Q q 0 0 0 rg BT 208.27 678.75 Td (required ) Tj ET Q q 0 0 0 rg BT 248.76 678.75 Td (for ) Tj ET Q q 0 0 0 rg BT 264.22 678.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 298.03 678.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 348.52 678.75 Td (and ) Tj ET Q q 0 0 0 rg BT 369.00 678.75 Td (elements ) Tj ET Q q 0 0 0 rg BT 413.37 678.75 Td (of ) Tj ET Q q 0 0 0 rg BT 425.51 678.75 Td (the ) Tj ET Q q 0 0 0 rg BT 443.20 678.75 Td (plan, ) Tj ET Q q 0 0 0 rg BT 468.68 678.75 Td (the ) Tj ET Q q 0 0 0 rg BT 486.38 678.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 513.98 678.75 Td ( ) Tj ET Q q 0 0 0 rg BT 517.77 678.75 Td (team ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (engaged ) Tj ET Q q 0 0 0 rg BT 114.48 666.75 Td (a ) Tj ET Q q 0 0 0 rg BT 123.59 666.75 Td (cross-functional ) Tj ET Q q 0 0 0 rg BT 197.17 666.75 Td (group ) Tj ET Q q 0 0 0 rg BT 226.30 666.75 Td (of ) Tj ET Q 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Q q 0 0 0 rg BT 427.42 642.75 Td (conducted ) Tj ET Q q 0 0 0 rg BT 476.27 642.75 Td (on ) Tj ET Q q 0 0 0 rg BT 490.08 642.75 Td (a ) Tj ET Q q 0 0 0 rg BT 498.34 642.75 Td (bi-weekly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 630.75 Td (basis ) Tj ET Q q 0 0 0 rg BT 98.12 630.75 Td (to ) Tj ET Q q 0 0 0 rg BT 109.24 630.75 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 148.70 630.75 Td (collection ) Tj ET Q q 0 0 0 rg BT 193.17 630.75 Td (and ) Tj ET Q q 0 0 0 rg BT 212.63 630.75 Td (document ) Tj ET Q q 0 0 0 rg BT 259.33 630.75 Td (development. ) Tj ET Q q 0 0 0 rg BT 322.15 630.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 608.75 Td (A) Tj ET Q q 0 0 0 rg BT 78.12 608.75 Td ( ) Tj ET Q q 0 0 0 rg BT 80.47 608.75 Td (robust ) Tj ET Q q 0 0 0 rg BT 110.61 608.75 Td (review ) Tj ET Q q 0 0 0 rg BT 141.86 608.75 Td (and ) Tj ET Q q 0 0 0 rg BT 160.90 608.75 Td (approval ) Tj ET Q q 0 0 0 rg BT 201.61 608.75 Td (framework ) Tj ET Q q 0 0 0 rg BT 250.63 608.75 Td (was ) Tj ET Q q 0 0 0 rg BT 270.77 608.75 Td (designed ) Tj ET Q q 0 0 0 rg BT 313.71 608.75 Td (to ) Tj ET Q q 0 0 0 rg BT 324.40 608.75 Td (address ) Tj ET Q q 0 0 0 rg BT 362.33 608.75 Td (the ) Tj ET Q q 0 0 0 rg BT 378.58 608.75 Td (broad ) Tj ET Q q 0 0 0 rg BT 406.51 608.75 Td (nature ) Tj ET Q q 0 0 0 rg BT 437.21 608.75 Td (of ) Tj ET Q q 0 0 0 rg BT 447.90 608.75 Td (the ) Tj ET Q q 0 0 0 rg BT 464.16 608.75 Td (RPs ) Tj ET Q q 0 0 0 rg BT 485.40 608.75 Td (and ) Tj ET Q q 0 0 0 rg BT 504.43 608.75 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 596.75 Td (contained ) Tj ET Q q 0 0 0 rg BT 118.38 596.75 Td (within ) Tj ET Q q 0 0 0 rg BT 146.96 596.75 Td (them. ) Tj ET Q q 0 0 0 rg BT 174.78 596.75 Td (This ) Tj ET Q q 0 0 0 rg BT 196.68 596.75 Td (process, ) Tj ET Q q 0 0 0 rg BT 237.49 596.75 Td (managed ) Tj ET Q q 0 0 0 rg BT 282.19 596.75 Td (by ) Tj ET Q q 0 0 0 rg BT 295.77 596.75 Td (the ) Tj ET Q q 0 0 0 rg BT 312.68 596.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 340.28 596.75 Td ( ) Tj ET Q q 0 0 0 rg BT 343.29 596.75 Td (team, ) Tj ET Q q 0 0 0 rg BT 371.31 596.75 Td (is ) Tj ET Q q 0 0 0 rg BT 381.54 596.75 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 424.57 596.75 Td (by ) Tj ET Q q 0 0 0 rg BT 438.14 596.75 Td (and ) Tj ET Q q 0 0 0 rg BT 457.84 596.75 Td (discussed ) Tj ET Q q 0 0 0 rg BT 505.32 596.75 Td (with ) Tj ET Q q 0 0 0 rg BT 526.11 596.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 584.75 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 119.25 584.75 Td (Secretary) Tj ET Q q 0 0 0 rg BT 161.30 584.75 Td (, ) Tj ET Q q 0 0 0 rg BT 166.85 584.75 Td (the ) Tj ET Q q 0 0 0 rg BT 183.53 584.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 211.14 584.75 Td ( ) Tj ET Q q 0 0 0 rg BT 213.91 584.75 Td (SC, ) Tj ET Q q 0 0 0 rg BT 233.36 584.75 Td (and ) Tj ET Q q 0 0 0 rg BT 252.83 584.75 Td (the ) Tj ET Q q 0 0 0 rg BT 269.50 584.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 292.84 584.75 Td (and ) Tj ET Q q 0 0 0 rg BT 312.31 584.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 335.09 584.75 Td (Boards, ) Tj ET Q q 0 0 0 rg BT 372.33 584.75 Td (and ) Tj ET Q q 0 0 0 rg BT 391.79 584.75 Td (was ) Tj ET Q q 0 0 0 rg BT 412.35 584.75 Td (approved ) Tj ET Q q 0 0 0 rg BT 456.83 584.75 Td (by ) Tj ET Q q 0 0 0 rg BT 470.17 584.75 Td (the ) Tj ET Q q 0 0 0 rg BT 486.85 584.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 514.45 584.75 Td ( ) Tj ET Q q 0 0 0 rg BT 517.23 584.75 Td (SC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 562.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.42 562.75 Td (RPs, ) Tj ET Q q 0 0 0 rg BT 115.27 562.75 Td (and ) Tj ET Q q 0 0 0 rg BT 134.14 562.75 Td (the ) Tj ET Q q 0 0 0 rg BT 150.23 562.75 Td (process ) Tj ET Q q 0 0 0 rg BT 187.43 562.75 Td (by ) Tj ET Q q 0 0 0 rg BT 200.18 562.75 Td (which ) Tj ET Q q 0 0 0 rg BT 227.93 562.75 Td (they ) Tj ET Q q 0 0 0 rg BT 249.02 562.75 Td (have ) Tj ET Q q 0 0 0 rg BT 272.89 562.75 Td (been ) Tj ET Q q 0 0 0 rg BT 297.32 562.75 Td (prepared, ) Tj ET Q q 0 0 0 rg BT 342.31 562.75 Td (were ) Tj ET Q q 0 0 0 rg BT 366.17 562.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 400.04 562.75 Td (to ) Tj ET Q q 0 0 0 rg BT 410.57 562.75 Td (reviews ) Tj ET Q q 0 0 0 rg BT 446.65 562.75 Td (and ) Tj ET Q q 0 0 0 rg BT 465.52 562.75 Td (recommendation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 550.75 Td (for ) Tj ET Q q 0 0 0 rg BT 86.45 550.75 Td (approval ) Tj ET Q q 0 0 0 rg BT 127.59 550.75 Td (by:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 528.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 528.75 Td (The ) Tj ET Q q 0 0 0 rg BT 128.01 528.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 157.47 528.75 Td (of ) Tj ET Q q 0 0 0 rg BT 168.59 528.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 211.37 528.75 Td (of ) Tj ET Q q 0 0 0 rg BT 222.49 528.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 245.27 528.75 Td (\(for ) Tj ET Q q 0 0 0 rg BT 263.05 528.75 Td (the ) Tj ET Q q 0 0 0 rg BT 279.73 528.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 311.41 528.75 Td (RP) Tj ET Q q 0 0 0 rg BT 324.02 528.75 Td (, ) Tj ET Q q 0 0 0 rg BT 329.57 528.75 Td (and ) Tj ET Q q 0 0 0 rg BT 349.04 528.75 Td (review ) Tj ET Q q 0 0 0 rg BT 380.71 528.75 Td (for ) Tj ET Q q 0 0 0 rg BT 395.16 528.75 Td (the ) Tj ET Q q 0 0 0 rg BT 411.84 528.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 427.39 528.75 Td (RP\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 513.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 513.75 Td (The ) Tj ET Q q 0 0 0 rg BT 128.01 513.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 153.57 513.75 Td (USMC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 498.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 498.75 Td (The ) Tj ET Q q 0 0 0 rg BT 128.01 498.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 155.61 498.75 Td ( ) Tj ET Q q 0 0 0 rg BT 158.39 498.75 Td (SC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 483.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 483.75 Td (The ) Tj ET Q q 0 0 0 rg BT 127.46 483.75 Td (Accountable ) Tj ET Q q 0 0 0 rg BT 185.28 483.75 Td (Executives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.00 468.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 468.75 Td (The ) Tj ET Q q 0 0 0 rg BT 128.01 468.75 Td (Executives ) Tj ET Q q 0 0 0 rg BT 179.14 468.75 Td (of ) Tj ET Q q 0 0 0 rg BT 190.26 468.75 Td (each ) Tj ET Q q 0 0 0 rg BT 214.72 468.75 Td (of ) Tj ET Q q 0 0 0 rg BT 225.84 468.75 Td (the ) Tj ET Q q 0 0 0 rg BT 242.52 468.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 280.88 468.75 Td (MEs, ) Tj ET Q q 0 0 0 rg BT 306.43 468.75 Td (CBLs, ) Tj ET Q q 0 0 0 rg BT 336.44 468.75 Td (CO ) Tj ET Q q 0 0 0 rg BT 354.22 468.75 Td (and ) Tj ET Q q 0 0 0 rg BT 373.68 468.75 Td (other ) Tj ET Q q 0 0 0 rg BT 399.25 468.75 Td (CSAs ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I15 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 446.75 Td (1.1.1) Tj ET Q q 0 0 0 rg BT 93.69 446.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 102.03 446.75 Td ( ) Tj ET Q q 0 0 0 rg BT 104.81 446.75 Td (Material ) Tj ET Q q 0 0 0 rg BT 145.38 446.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 209.28 446.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 267.05 446.75 Td (Systems) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.19 446.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 424.75 Td (Access ) Tj ET Q q 0 0 0 rg BT 107.46 424.75 Td (to ) Tj ET Q q 0 0 0 rg BT 119.03 424.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 157.83 424.75 Td (data ) Tj ET Q q 0 0 0 rg BT 180.52 424.75 Td (at ) Tj ET Q q 0 0 0 rg BT 192.09 424.75 Td (the ) Tj ET Q q 0 0 0 rg BT 209.22 424.75 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 263.04 424.75 Td (frequency ) Tj ET Q q 0 0 0 rg BT 310.19 424.75 Td (is ) Tj ET Q q 0 0 0 rg BT 320.64 424.75 Td (important ) Tj ET Q q 0 0 0 rg BT 365.55 424.75 Td (to ) Tj ET Q q 0 0 0 rg BT 377.12 424.75 Td (being ) Tj ET Q q 0 0 0 rg BT 404.81 424.75 Td (able ) Tj ET Q q 0 0 0 rg BT 426.95 424.75 Td (to ) Tj ET Q q 0 0 0 rg BT 438.52 424.75 Td (successfully ) Tj ET Q q 0 0 0 rg BT 495.65 424.75 Td (resolve ) Tj ET Q q 0 0 0 rg BT 531.12 424.75 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 412.75 Td (restructure ) Tj ET Q q 0 0 0 rg BT 122.83 412.75 Td (in ) Tj ET Q q 0 0 0 rg BT 133.66 412.75 Td (the ) Tj ET Q q 0 0 0 rg BT 150.60 412.75 Td (event ) Tj ET Q q 0 0 0 rg BT 178.11 412.75 Td (of ) Tj ET Q q 0 0 0 rg BT 189.49 412.75 Td (failure. ) Tj ET Q q 0 0 0 rg BT 222.54 412.75 Td (Within ) Tj ET Q q 0 0 0 rg BT 253.37 412.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 279.19 412.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 304.46 412.75 Td (this ) Tj ET Q q 0 0 0 rg BT 323.06 412.75 Td (data ) Tj ET Q q 0 0 0 rg BT 345.56 412.75 Td (typically ) Tj ET Q q 0 0 0 rg BT 384.17 412.75 Td (resides ) Tj ET Q q 0 0 0 rg BT 419.45 412.75 Td (on ) Tj ET Q q 0 0 0 rg BT 433.61 412.75 Td (MIS ) Tj ET Q q 0 0 0 rg BT 454.43 412.75 Td (that ) Tj ET Q q 0 0 0 rg BT 474.16 412.75 Td (are ) Tj ET Q q 0 0 0 rg BT 491.65 412.75 Td (collectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 400.75 Td (designed ) Tj ET Q q 0 0 0 rg BT 114.22 400.75 Td (to ) Tj ET Q q 0 0 0 rg BT 124.18 400.75 Td (pull ) Tj ET Q q 0 0 0 rg BT 141.37 400.75 Td (information ) Tj ET Q q 0 0 0 rg BT 192.46 400.75 Td (from ) Tj ET Q q 0 0 0 rg BT 214.09 400.75 Td (source ) Tj ET Q q 0 0 0 rg BT 245.73 400.75 Td (systems, ) Tj ET Q q 0 0 0 rg BT 286.80 400.75 Td (feed ) Tj ET Q q 0 0 0 rg BT 307.89 400.75 Td (into ) Tj ET Q q 0 0 0 rg BT 325.64 400.75 Td (analytical ) Tj ET Q q 0 0 0 rg BT 368.95 400.75 Td (systems ) Tj ET Q q 0 0 0 rg BT 407.25 400.75 Td (and ) Tj ET Q q 0 0 0 rg BT 425.56 400.75 Td (produce ) Tj ET Q q 0 0 0 rg BT 463.32 400.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 504.41 400.75 Td (outputs.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 378.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 96.82 378.75 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.29 378.75 Td (MIS ) Tj ET Q q 0 0 0 rg BT 122.53 378.75 Td (capabilities ) Tj ET Q q 0 0 0 rg BT 173.47 378.75 Td (enable ) Tj ET Q q 0 0 0 rg BT 204.96 378.75 Td (users ) Tj ET Q q 0 0 0 rg BT 230.88 378.75 Td (to ) Tj ET Q q 0 0 0 rg BT 240.69 378.75 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 287.20 378.75 Td (data ) Tj ET Q q 0 0 0 rg BT 308.13 378.75 Td (at ) Tj ET Q q 0 0 0 rg BT 317.93 378.75 Td (the ) Tj ET Q q 0 0 0 rg BT 333.30 378.75 Td (level ) Tj ET Q q 0 0 0 rg BT 355.33 378.75 Td (of ) Tj ET Q q 0 0 0 rg BT 365.14 378.75 Td (product ) Tj ET Q q 0 0 0 rg BT 399.96 378.75 Td (or ) Tj ET Q q 0 0 0 rg BT 410.32 378.75 Td (operational ) Tj ET Q q 0 0 0 rg BT 461.27 378.75 Td (process, ) Tj ET Q q 0 0 0 rg BT 500.52 378.75 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 366.75 Td (line ) Tj ET Q q 0 0 0 rg BT 90.27 366.75 Td (or ) Tj ET Q q 0 0 0 rg BT 101.87 366.75 Td (function, ) Tj ET Q q 0 0 0 rg BT 142.38 366.75 Td (or ) Tj ET Q q 0 0 0 rg BT 153.97 366.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 177.81 366.75 Td (entity) Tj ET Q q 0 0 0 rg BT 200.96 366.75 Td (. ) Tj ET Q q 0 0 0 rg BT 206.45 366.75 Td ( ) Tj ET Q q 0 0 0 rg BT 208.98 366.75 Td (The ) Tj ET Q q 0 0 0 rg BT 228.91 366.75 Td (majority ) Tj ET Q q 0 0 0 rg BT 266.62 366.75 Td (of ) Tj ET Q q 0 0 0 rg BT 277.67 366.75 Td (the ) Tj ET Q q 0 0 0 rg BT 294.28 366.75 Td (key ) Tj ET Q q 0 0 0 rg BT 312.54 366.75 Td (MIS ) Tj ET Q q 0 0 0 rg BT 333.03 366.75 Td (applications ) Tj ET Q q 0 0 0 rg BT 388.54 366.75 Td (are ) Tj ET Q q 0 0 0 rg BT 405.70 366.75 Td (vendor ) Tj ET Q q 0 0 0 rg BT 438.98 366.75 Td (provided ) Tj ET Q q 0 0 0 rg BT 480.05 366.75 Td (solutions ) Tj ET Q q 0 0 0 rg BT 522.22 366.75 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 354.75 Td (hosting ) Tj ET Q q 0 0 0 rg BT 109.47 354.75 Td (either ) Tj ET Q q 0 0 0 rg BT 139.72 354.75 Td (in-house ) Tj ET Q q 0 0 0 rg BT 183.30 354.75 Td (or ) Tj ET Q q 0 0 0 rg BT 197.42 354.75 Td (outsourced ) Tj ET Q q 0 0 0 rg BT 252.13 354.75 Td (to ) Tj ET Q q 0 0 0 rg BT 265.70 354.75 Td (the ) Tj ET Q q 0 0 0 rg BT 284.83 354.75 Td (vendor) Tj ET Q q 0 0 0 rg BT 314.85 354.75 Td (. ) Tj ET Q q 0 0 0 rg BT 322.86 354.75 Td ( ) Tj ET Q q 0 0 0 rg BT 327.75 354.75 Td (They ) Tj ET Q q 0 0 0 rg BT 355.21 354.75 Td (are ) Tj ET Q q 0 0 0 rg BT 374.89 354.75 Td (highly ) Tj ET Q q 0 0 0 rg BT 406.24 354.75 Td (automated ) Tj ET Q q 0 0 0 rg BT 458.73 354.75 Td (and ) Tj ET Q q 0 0 0 rg BT 480.64 354.75 Td (used ) Tj ET Q q 0 0 0 rg BT 507.55 354.75 Td (for ) Tj ET Q q 0 0 0 rg BT 524.45 354.75 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 342.75 Td (management, ) Tj ET Q q 0 0 0 rg BT 135.93 342.75 Td (accounting ) Tj ET Q q 0 0 0 rg BT 187.07 342.75 Td (/ ) Tj ET Q q 0 0 0 rg BT 192.63 342.75 Td (financial, ) Tj ET Q q 0 0 0 rg BT 234.88 342.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 282.12 342.75 Td (and ) Tj ET Q q 0 0 0 rg BT 301.58 342.75 Td (management ) Tj ET Q q 0 0 0 rg BT 362.73 342.75 Td (reporting. ) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 319.16552734375 m 128.1279296875 319.16552734375 l s q 0 0 0 rg BT 72.00 320.75 Td (Capabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 298.75 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 120.62 298.75 Td (Infrastructure ) Tj ET Q q 0 0 0 rg BT 182.58 298.75 Td (delivers ) Tj ET Q q 0 0 0 rg BT 220.09 298.75 Td (and ) Tj ET Q q 0 0 0 rg BT 239.82 298.75 Td (manages ) Tj ET Q q 0 0 0 rg BT 284.00 298.75 Td (robust, ) Tj ET Q q 0 0 0 rg BT 317.62 298.75 Td (reliable ) Tj ET Q q 0 0 0 rg BT 352.91 298.75 Td (and ) Tj ET Q q 0 0 0 rg BT 372.64 298.75 Td (cost ) Tj ET Q q 0 0 0 rg BT 394.03 298.75 Td (ef) Tj ET Q q 0 0 0 rg BT 402.19 298.75 Td (fective ) Tj ET Q q 0 0 0 rg BT 434.13 298.75 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 481.65 298.75 Td (infrastructure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 286.75 Td (technology ) Tj ET Q q 0 0 0 rg BT 124.39 286.75 Td (and ) Tj ET Q q 0 0 0 rg BT 145.10 286.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 196.93 286.75 Td (services ) Tj ET Q q 0 0 0 rg BT 237.63 286.75 Td (to ) Tj ET Q q 0 0 0 rg BT 249.99 286.75 Td (every ) Tj ET Q q 0 0 0 rg BT 278.47 286.75 Td (line ) Tj ET Q q 0 0 0 rg BT 298.06 286.75 Td (of ) Tj ET Q q 0 0 0 rg BT 310.42 286.75 Td (business. ) Tj ET Q q 0 0 0 rg BT 356.43 286.75 Td (These ) Tj ET Q q 0 0 0 rg BT 388.25 286.75 Td (include ) Tj ET Q q 0 0 0 rg BT 423.96 286.75 Td (data ) Tj ET Q q 0 0 0 rg BT 447.45 286.75 Td (centers ) Tj ET Q q 0 0 0 rg BT 484.26 286.75 Td (and ) Tj ET Q q 0 0 0 rg BT 504.97 286.75 Td (hosting; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 274.75 Td (networks ) Tj ET Q q 0 0 0 rg BT 115.97 274.75 Td (and ) Tj ET Q q 0 0 0 rg BT 136.62 274.75 Td (network ) Tj ET Q q 0 0 0 rg BT 175.59 274.75 Td (components; ) Tj ET Q q 0 0 0 rg BT 236.80 274.75 Td (mainframes, ) Tj ET Q q 0 0 0 rg BT 295.78 274.75 Td (client ) Tj ET Q q 0 0 0 rg BT 323.08 274.75 Td (servers, ) Tj ET Q q 0 0 0 rg BT 362.60 274.75 Td (multiple ) Tj ET Q q 0 0 0 rg BT 401.02 274.75 Td (storage ) Tj ET Q q 0 0 0 rg BT 438.33 274.75 Td (types, ) Tj ET Q q 0 0 0 rg BT 468.97 274.75 Td (telephony) Tj ET Q q 0 0 0 rg BT 511.59 274.75 Td (, ) Tj ET Q q 0 0 0 rg BT 518.33 274.75 Td (PCs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 262.75 Td (messaging ) Tj ET Q q 0 0 0 rg BT 123.14 262.75 Td (services, ) Tj ET Q q 0 0 0 rg BT 165.37 262.75 Td (service ) Tj ET Q q 0 0 0 rg BT 199.82 262.75 Td (management, ) Tj ET Q q 0 0 0 rg BT 263.75 262.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 313.23 262.75 Td (support ) Tj ET Q q 0 0 0 rg BT 349.36 262.75 Td (and ) Tj ET Q q 0 0 0 rg BT 368.82 262.75 Td (planning.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 240.75 Td (Global ) Tj ET Q q 0 0 0 rg BT 103.63 240.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 156.19 240.75 Td (T) Tj ET Q q 0 0 0 rg BT 161.19 240.75 Td (echnology ) Tj ET Q q 0 0 0 rg BT 209.50 240.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 231.66 240.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 292.75 240.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 324.92 240.75 Td (as ) Tj ET Q q 0 0 0 rg BT 338.20 240.75 Td (a ) Tj ET Q q 0 0 0 rg BT 346.48 240.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 391.45 240.75 Td (function ) Tj ET Q q 0 0 0 rg BT 429.19 240.75 Td (to ) Tj ET Q q 0 0 0 rg BT 440.25 240.75 Td (protect ) Tj ET Q q 0 0 0 rg BT 473.54 240.75 Td (the ) Tj ET Q q 0 0 0 rg BT 490.16 240.75 Td (Company) Tj ET Q q 0 0 0 rg BT 535.00 240.75 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 228.75 Td (information ) Tj ET Q q 0 0 0 rg BT 128.08 228.75 Td (systems, ) Tj ET Q q 0 0 0 rg BT 174.14 228.75 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 228.56 228.75 Td (data, ) Tj ET Q q 0 0 0 rg BT 257.41 228.75 Td (and ) Tj ET Q q 0 0 0 rg BT 280.71 228.75 Td (customer ) Tj ET Q q 0 0 0 rg BT 328.45 228.75 Td (information. ) Tj ET Q q 0 0 0 rg BT 387.31 228.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 443.95 228.75 Td (Security ) Tj ET Q q 0 0 0 rg BT 486.68 228.75 Td (manages ) Tj ET Q q 0 0 0 rg BT 534.44 228.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 216.75 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 142.59 216.75 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 191.50 216.75 Td (controls ) Tj ET Q q 0 0 0 rg BT 229.29 216.75 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 194.75 Td (For ) Tj ET Q q 0 0 0 rg BT 89.92 194.75 Td (key ) Tj ET Q q 0 0 0 rg BT 108.40 194.75 Td (applications ) Tj ET Q q 0 0 0 rg BT 164.13 194.75 Td (that ) Tj ET Q q 0 0 0 rg BT 183.73 194.75 Td (are ) Tj ET Q q 0 0 0 rg BT 201.10 194.75 Td (hosted ) Tj ET Q q 0 0 0 rg BT 234.05 194.75 Td (internally) Tj ET Q q 0 0 0 rg BT 273.33 194.75 Td (, ) Tj ET Q q 0 0 0 rg BT 279.02 194.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 304.72 194.75 Td (operates ) Tj ET Q q 0 0 0 rg BT 346.56 194.75 Td (two ) Tj ET Q q 0 0 0 rg BT 365.04 194.75 Td (core ) Tj ET Q q 0 0 0 rg BT 387.41 194.75 Td (data ) Tj ET Q q 0 0 0 rg BT 409.79 194.75 Td (centers ) Tj ET Q q 0 0 0 rg BT 445.50 194.75 Td (for ) Tj ET Q q 0 0 0 rg BT 460.09 194.75 Td (the ) Tj ET Q q 0 0 0 rg BT 476.91 194.75 Td (majority ) Tj ET Q q 0 0 0 rg BT 514.84 194.75 Td (of ) Tj ET Q q 0 0 0 rg BT 526.10 194.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 182.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 113.96 182.75 Td ( ) Tj ET Q q 0 0 0 rg BT 116.31 182.75 Td (There ) Tj ET Q q 0 0 0 rg BT 144.95 182.75 Td (are ) Tj ET Q q 0 0 0 rg BT 161.91 182.75 Td (several ) Tj ET Q q 0 0 0 rg BT 196.66 182.75 Td (smaller ) Tj ET Q q 0 0 0 rg BT 231.40 182.75 Td (data ) Tj ET Q q 0 0 0 rg BT 253.37 182.75 Td (centers ) Tj ET Q q 0 0 0 rg BT 288.67 182.75 Td (that ) Tj ET Q q 0 0 0 rg BT 307.87 182.75 Td (provide ) Tj ET Q q 0 0 0 rg BT 343.17 182.75 Td (niche ) Tj ET Q q 0 0 0 rg BT 369.59 182.75 Td (services ) Tj ET Q q 0 0 0 rg BT 408.78 182.75 Td (such ) Tj ET Q q 0 0 0 rg BT 432.41 182.75 Td (as ) Tj ET Q q 0 0 0 rg BT 445.48 182.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 478.57 182.75 Td (room ) Tj ET Q q 0 0 0 rg BT 503.87 182.75 Td (support. ) Tj ET Q q 0 0 0 rg BT 542.78 182.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 170.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.02 170.75 Td (core ) Tj ET Q q 0 0 0 rg BT 114.26 170.75 Td (data ) Tj ET Q q 0 0 0 rg BT 136.51 170.75 Td (centers ) Tj ET Q q 0 0 0 rg BT 172.10 170.75 Td (are ) Tj ET Q q 0 0 0 rg BT 189.34 170.75 Td (geographically ) Tj ET Q q 0 0 0 rg BT 256.62 170.75 Td (separated ) Tj ET Q q 0 0 0 rg BT 303.88 170.75 Td (to ) Tj ET Q q 0 0 0 rg BT 315.01 170.75 Td (support ) Tj ET Q q 0 0 0 rg BT 351.15 170.75 Td (our ) Tj ET Q q 0 0 0 rg BT 368.40 170.75 Td (high ) Tj ET Q q 0 0 0 rg BT 390.09 170.75 Td (availability) Tj ET Q q 0 0 0 rg BT 435.48 170.75 Td (, ) Tj ET Q q 0 0 0 rg BT 441.05 170.75 Td (resiliency ) Tj ET Q q 0 0 0 rg BT 485.52 170.75 Td (and ) Tj ET Q q 0 0 0 rg BT 504.99 170.75 Td (disaster ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 158.75 Td (recovery ) Tj ET Q q 0 0 0 rg BT 114.93 158.75 Td (strategy) Tj ET Q q 0 0 0 rg BT 149.76 158.75 Td (. ) Tj ET Q q 0 0 0 rg BT 157.12 158.75 Td ( ) Tj ET Q q 0 0 0 rg BT 161.70 158.75 Td (In ) Tj ET Q q 0 0 0 rg BT 174.62 158.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 217.01 158.75 Td (critical ) Tj ET Q q 0 0 0 rg BT 249.93 158.75 Td (support ) Tj ET Q q 0 0 0 rg BT 287.86 158.75 Td (staf) Tj ET Q q 0 0 0 rg BT 303.80 158.75 Td (f ) Tj ET Q q 0 0 0 rg BT 311.16 158.75 Td (is ) Tj ET Q q 0 0 0 rg BT 322.96 158.75 Td (split ) Tj ET Q q 0 0 0 rg BT 345.33 158.75 Td (across ) Tj ET Q q 0 0 0 rg BT 379.37 158.75 Td (multiple ) Tj ET Q q 0 0 0 rg BT 418.41 158.75 Td (sites ) Tj ET Q q 0 0 0 rg BT 443.55 158.75 Td (to ) Tj ET Q q 0 0 0 rg BT 456.47 158.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 491.63 158.75 Td (continuous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 146.75 Td (availability) Tj ET Q q 0 0 0 rg BT 117.39 146.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 123.16552734375 m 187.9521484375 123.16552734375 l s q 0 0 0 rg BT 72.00 124.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.37 124.75 Td (echnology ) Tj ET Q q 0 0 0 rg BT 130.15 124.75 Td (Governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 106.75 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 120.45 106.75 Td (technology) Tj ET Q q 0 0 0 rg BT 168.08 106.75 Td (, ) Tj ET Q q 0 0 0 rg BT 173.73 106.75 Td (MIS ) Tj ET Q q 0 0 0 rg BT 194.38 106.75 Td (and ) Tj ET Q q 0 0 0 rg BT 213.94 106.75 Td (other ) Tj ET Q q 0 0 0 rg BT 239.61 106.75 Td (technology ) Tj ET Q q 0 0 0 rg BT 290.85 106.75 Td (solutions ) Tj ET Q q 0 0 0 rg BT 333.20 106.75 Td (are ) Tj ET Q q 0 0 0 rg BT 350.52 106.75 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 393.42 106.75 Td (at ) Tj ET Q q 0 0 0 rg BT 404.63 106.75 Td (one ) Tj ET Q q 0 0 0 rg BT 424.19 106.75 Td (or ) Tj ET Q q 0 0 0 rg BT 435.96 106.75 Td (more ) Tj ET Q q 0 0 0 rg BT 461.61 106.75 Td (of ) Tj ET Q q 0 0 0 rg BT 472.83 106.75 Td (the ) Tj ET Q q 0 0 0 rg BT 489.42 106.75 Td (T) Tj ET Q q 0 0 0 rg BT 494.42 106.75 Td (echnology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 94.75 Td (Governance ) Tj ET Q q 0 0 0 rg BT 130.51 94.75 Td (bodies: ) Tj ET Q q 0 0 0 rg BT 166.78 94.75 Td ( ) Tj ET Q q 0 0 0 rg BT 170.54 94.75 Td (T) Tj ET Q q 0 0 0 rg BT 175.54 94.75 Td (echnology ) Tj ET Q q 0 0 0 rg BT 225.16 94.75 Td (Design ) Tj ET Q q 0 0 0 rg BT 260.32 94.75 Td (Review ) Tj ET Q q 0 0 0 rg BT 297.14 94.75 Td (Council ) Tj ET Q q 0 0 0 rg BT 334.51 94.75 Td (\(TDRC\), ) Tj ET Q q 0 0 0 rg BT 374.95 94.75 Td (Architecture ) Tj ET Q q 0 0 0 rg BT 432.33 94.75 Td (Review ) Tj ET Q q 0 0 0 rg BT 469.15 94.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 499.86 94.75 Td (\(ARB\) ) Tj ET Q q 0 0 0 rg BT 531.11 94.75 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 82.75 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 120.17 82.75 Td (T) Tj ET Q q 0 0 0 rg BT 125.17 82.75 Td (echnology ) Tj ET Q q 0 0 0 rg BT 173.54 82.75 Td (Governance ) Tj ET Q q 0 0 0 rg BT 230.80 82.75 Td (forum ) Tj ET Q q 0 0 0 rg BT 259.14 82.75 Td (\(ETG\) ) Tj ET Q q 0 0 0 rg BT 289.13 82.75 Td (. ) Tj ET Q q 0 0 0 rg BT 294.69 82.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 35 0 obj <> endobj 36 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p17 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (There ) Tj ET Q q 0 0 0 rg BT 101.57 712.75 Td (are ) Tj ET Q q 0 0 0 rg BT 119.47 712.75 Td (additional ) Tj ET Q q 0 0 0 rg BT 165.73 712.75 Td (governance ) Tj ET Q q 0 0 0 rg BT 221.43 712.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 263.22 712.75 Td (built ) Tj ET Q q 0 0 0 rg BT 285.01 712.75 Td (into ) Tj ET Q q 0 0 0 rg BT 304.58 712.75 Td (BMO's ) Tj ET Q q 0 0 0 rg BT 337.72 712.75 Td (System ) Tj ET Q q 0 0 0 rg BT 374.50 712.75 Td (Development ) Tj ET Q q 0 0 0 rg BT 436.87 712.75 Td (Life ) Tj ET Q q 0 0 0 rg BT 456.44 712.75 Td (Cycle ) Tj ET Q q 0 0 0 rg BT 484.89 712.75 Td (\(SDLC\) ) Tj ET Q q 0 0 0 rg BT 521.67 712.75 Td (\(like ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 125.63 700.75 Td (Security ) Tj ET Q q 0 0 0 rg BT 165.35 700.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 188.40 700.75 Td (assessment, ) Tj ET Q q 0 0 0 rg BT 248.14 700.75 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 292.16 700.75 Td (Architecture ) Tj ET Q q 0 0 0 rg BT 349.12 700.75 Td (Review\). ) Tj ET Q q 0 0 0 rg BT 391.62 700.75 Td ( ) Tj ET Q q 0 0 0 rg BT 395.22 700.75 Td (In ) Tj ET Q q 0 0 0 rg BT 407.16 700.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 448.57 700.75 Td (there ) Tj ET Q q 0 0 0 rg BT 474.97 700.75 Td (are ) Tj ET Q q 0 0 0 rg BT 493.03 700.75 Td (audits ) Tj ET Q q 0 0 0 rg BT 523.31 700.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 688.75 Td (reviews ) Tj ET Q q 0 0 0 rg BT 110.06 688.75 Td (carried ) Tj ET Q q 0 0 0 rg BT 144.79 688.75 Td (out ) Tj ET Q q 0 0 0 rg BT 162.86 688.75 Td (by ) Tj ET Q q 0 0 0 rg BT 177.59 688.75 Td (the ) Tj ET Q q 0 0 0 rg BT 195.66 688.75 Td (second ) Tj ET Q q 0 0 0 rg BT 232.07 688.75 Td (and ) Tj ET Q q 0 0 0 rg BT 252.92 688.75 Td (third ) Tj ET Q q 0 0 0 rg BT 276.54 688.75 Td (line ) Tj ET Q q 0 0 0 rg BT 296.27 688.75 Td (of ) Tj ET Q q 0 0 0 rg BT 308.78 688.75 Td (defense ) Tj ET Q q 0 0 0 rg BT 348.53 688.75 Td (groups ) Tj ET Q q 0 0 0 rg BT 383.27 688.75 Td (\(e.g., ) Tj ET Q q 0 0 0 rg BT 410.23 688.75 Td (Program ) Tj ET Q q 0 0 0 rg BT 452.74 688.75 Td (and ) Tj ET Q q 0 0 0 rg BT 473.59 688.75 Td (Project ) Tj ET Q q 0 0 0 rg BT 508.88 688.75 Td (Quality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 676.75 Td (Assurance ) Tj ET Q q 0 0 0 rg BT 122.02 676.75 Td (\(PPQA\) ) Tj ET Q q 0 0 0 rg BT 159.25 676.75 Td (and ) Tj ET Q q 0 0 0 rg BT 178.16 676.75 Td (Audit\).) 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/F1 10.00 Tf ET q 0 0 0 rg BT 72.00 550.75 Td (changes. ) Tj ET Q q 0 0 0 rg BT 114.34 550.75 Td (T) Tj ET Q q 0 0 0 rg BT 119.34 550.75 Td (est ) Tj ET Q q 0 0 0 rg BT 134.55 550.75 Td (results ) Tj ET Q q 0 0 0 rg BT 165.87 550.75 Td (must ) Tj ET Q q 0 0 0 rg BT 189.42 550.75 Td (be ) Tj ET Q q 0 0 0 rg BT 202.41 550.75 Td (maintained ) Tj ET Q q 0 0 0 rg BT 253.20 550.75 Td (in ) Tj ET Q q 0 0 0 rg BT 262.86 550.75 Td (the ) Tj ET Q q 0 0 0 rg BT 278.63 550.75 Td (centrally ) Tj ET Q q 0 0 0 rg BT 317.74 550.75 Td (managed ) Tj ET Q q 0 0 0 rg BT 361.31 550.75 Td (BCM ) Tj ET Q q 0 0 0 rg BT 385.41 550.75 Td (tool ) Tj ET Q q 0 0 0 rg BT 403.40 550.75 Td (with ) Tj ET Q q 0 0 0 rg BT 423.06 550.75 Td (supporting ) Tj ET Q q 0 0 0 rg BT 471.63 550.75 Td (documentation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 538.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.97 538.75 Td (purpose ) Tj ET Q q 0 0 0 rg BT 132.85 538.75 Td (of ) Tj ET Q q 0 0 0 rg BT 144.93 538.75 Td (testing ) Tj ET Q q 0 0 0 rg BT 178.13 538.75 Td (is ) Tj ET Q q 0 0 0 rg BT 189.09 538.75 Td (to ) Tj ET Q q 0 0 0 rg BT 201.17 538.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 235.48 538.75 Td (viability ) Tj ET Q q 0 0 0 rg BT 272.01 538.75 Td (of ) Tj ET Q q 0 0 0 rg BT 284.09 538.75 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 343.96 538.75 Td (and ) Tj ET Q q 0 0 0 rg BT 364.39 538.75 Td (strategies ) Tj ET Q q 0 0 0 rg BT 411.48 538.75 Td (documented ) Tj ET Q q 0 0 0 rg BT 470.26 538.75 Td (in ) Tj ET Q q 0 0 0 rg BT 481.78 538.75 Td (the ) Tj ET Q q 0 0 0 rg BT 499.42 538.75 Td (Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 526.75 Td (Impact ) Tj ET Q q 0 0 0 rg BT 104.43 526.75 Td (Analysis, ) Tj ET Q q 0 0 0 rg BT 147.46 526.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 169.32 526.75 Td (Assessment ) Tj ET Q q 0 0 0 rg BT 226.81 526.75 Td (and ) Tj ET Q q 0 0 0 rg BT 246.51 526.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 290.10 526.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 337.59 526.75 Td (Plans ) Tj ET Q q 0 0 0 rg BT 365.62 526.75 Td (and ) Tj ET Q q 0 0 0 rg BT 385.33 526.75 Td (to ) Tj ET Q q 0 0 0 rg BT 396.68 526.75 Td (promote ) Tj ET Q q 0 0 0 rg BT 436.39 526.75 Td (continual ) Tj ET Q q 0 0 0 rg BT 479.44 526.75 Td (improvement. ) Tj ET Q q 0 0 0 rg BT 542.79 526.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 514.75 Td (Disaster ) Tj ET Q q 0 0 0 rg BT 111.45 514.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 156.47 514.75 Td (is ) Tj ET Q q 0 0 0 rg BT 166.47 514.75 Td (the ) Tj ET Q q 0 0 0 rg BT 183.15 514.75 Td (ability ) Tj ET Q q 0 0 0 rg BT 211.49 514.75 Td (to ) Tj ET Q q 0 0 0 rg BT 222.61 514.75 Td (support ) Tj ET Q q 0 0 0 rg BT 258.74 514.75 Td (and ) Tj ET Q q 0 0 0 rg BT 278.21 514.75 Td (resume ) Tj ET Q q 0 0 0 rg BT 314.33 514.75 Td (critical ) Tj ET Q q 0 0 0 rg BT 345.44 514.75 Td (networks, ) Tj ET Q q 0 0 0 rg BT 391.01 514.75 Td (applications ) Tj ET Q q 0 0 0 rg BT 446.60 514.75 Td (and ) Tj ET Q q 0 0 0 rg BT 466.07 514.75 Td (other ) Tj ET Q q 0 0 0 rg BT 491.64 514.75 Td (technology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 502.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 103.35 502.75 Td (within ) Tj ET Q q 0 0 0 rg BT 131.37 502.75 Td (the ) Tj ET Q q 0 0 0 rg BT 147.72 502.75 Td (stated ) Tj ET Q q 0 0 0 rg BT 177.41 502.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 221.94 502.75 Td (T) Tj ET Q q 0 0 0 rg BT 227.68 502.75 Td (ime ) Tj ET Q q 0 0 0 rg BT 246.24 502.75 Td (Objective ) Tj ET Q q 0 0 0 rg BT 290.37 502.75 Td (and ) Tj ET Q q 0 0 0 rg BT 309.51 502.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 354.19 502.75 Td (Point ) Tj ET Q q 0 0 0 rg BT 379.44 502.75 Td (Objective. ) Tj ET Q q 0 0 0 rg BT 426.35 502.75 Td ( ) Tj ET Q q 0 0 0 rg BT 428.80 502.75 Td (DR ) Tj ET Q q 0 0 0 rg BT 445.69 502.75 Td (is ) Tj ET Q q 0 0 0 rg BT 455.37 502.75 Td (a ) Tj ET Q q 0 0 0 rg BT 463.38 502.75 Td (component ) Tj ET Q q 0 0 0 rg BT 515.31 502.75 Td (of ) Tj ET Q q 0 0 0 rg BT 526.10 502.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 490.75 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 119.88 490.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 162.76 490.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 209.53 490.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 270.20 490.75 Td (Program. ) Tj ET Q q 0 0 0 rg BT 313.62 490.75 Td ( ) Tj ET Q q 0 0 0 rg BT 315.93 490.75 Td (DR ) Tj ET Q q 0 0 0 rg BT 332.67 490.75 Td (is ) Tj ET Q q 0 0 0 rg BT 342.20 490.75 Td (a ) Tj ET Q q 0 0 0 rg BT 350.06 490.75 Td (process ) Tj ET Q q 0 0 0 rg BT 387.38 490.75 Td (complimentary ) Tj ET Q q 0 0 0 rg BT 454.70 490.75 Td (to ) Tj ET Q q 0 0 0 rg BT 465.34 490.75 Td (the ) Tj ET Q q 0 0 0 rg BT 481.54 490.75 Td (business ) Tj ET Q q 0 0 0 rg BT 523.31 490.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 478.75 Td (facilities ) Tj ET Q q 0 0 0 rg BT 110.34 478.75 Td (recovery ) Tj ET Q q 0 0 0 rg BT 151.47 478.75 Td (plan.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 456.75 Td (Disaster ) Tj ET Q q 0 0 0 rg BT 111.94 456.75 Td (recovery ) Tj ET Q q 0 0 0 rg BT 153.55 456.75 Td (involves ) Tj ET Q q 0 0 0 rg BT 192.94 456.75 Td (testing ) Tj ET Q q 0 0 0 rg BT 225.67 456.75 Td (for ) Tj ET Q q 0 0 0 rg BT 240.60 456.75 Td (data ) Tj ET Q q 0 0 0 rg BT 263.33 456.75 Td (recovery ) Tj ET Q q 0 0 0 rg BT 304.94 456.75 Td (from ) Tj ET Q q 0 0 0 rg BT 328.20 456.75 Td (archived ) Tj ET Q q 0 0 0 rg BT 369.26 456.75 Td (backups. ) Tj ET Q q 0 0 0 rg BT 412.55 456.75 Td (Local ) Tj ET Q q 0 0 0 rg BT 439.72 456.75 Td (of) Tj ET Q q 0 0 0 rg BT 447.88 456.75 Td (f-site ) Tj ET Q q 0 0 0 rg BT 472.82 456.75 Td (capabilities ) Tj ET Q q 0 0 0 rg BT 525.55 456.75 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 444.75 Td (maintained ) Tj ET Q q 0 0 0 rg BT 123.70 444.75 Td (continuously ) Tj ET Q q 0 0 0 rg BT 182.07 444.75 Td (for ) Tj ET Q q 0 0 0 rg BT 196.52 444.75 Td (critical ) Tj ET Q q 0 0 0 rg BT 227.63 444.75 Td (MIS ) Tj ET Q q 0 0 0 rg BT 248.19 444.75 Td (and ) Tj ET Q q 0 0 0 rg BT 267.65 444.75 Td (operational ) Tj ET Q q 0 0 0 rg BT 319.91 444.75 Td (processes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 422.75 Td (A) Tj ET Q q 0 0 0 rg BT 78.12 422.75 Td ( ) Tj ET Q q 0 0 0 rg BT 81.10 422.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 106.85 422.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 129.28 422.75 Td (BCM ) Tj ET Q q 0 0 0 rg BT 154.48 422.75 Td (Governance ) Tj ET Q q 0 0 0 rg BT 211.94 422.75 Td (Committee ) Tj ET Q q 0 0 0 rg BT 263.26 422.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 304.04 422.75 Td (oversight ) Tj ET Q q 0 0 0 rg BT 347.59 422.75 Td (and ) Tj ET Q q 0 0 0 rg BT 367.26 422.75 Td (strategic ) Tj ET Q q 0 0 0 rg BT 408.03 422.75 Td (direction ) Tj ET Q q 0 0 0 rg BT 448.81 422.75 Td (to ) Tj ET Q q 0 0 0 rg BT 460.13 422.75 Td (the ) Tj ET Q q 0 0 0 rg BT 477.01 422.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 499.43 422.75 Td (Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 410.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 119.25 410.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 180.39 410.75 Td (Program.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I16 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 388.75 Td (1.1.12 ) Tj ET Q q 0 0 0 rg BT 102.58 388.75 Td ( ) Tj ET Q q 0 0 0 rg BT 105.36 388.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 159.80 388.75 Td (Strategy) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 199.82 388.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 366.75 Td (Consistent ) Tj ET Q q 0 0 0 rg BT 123.77 366.75 Td (with ) Tj ET Q q 0 0 0 rg BT 146.08 366.75 Td (the ) Tj ET Q q 0 0 0 rg BT 164.50 366.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 227.39 366.75 Td (outlined ) Tj ET Q q 0 0 0 rg BT 266.94 366.75 Td (in ) Tj ET Q q 0 0 0 rg BT 279.25 366.75 Td (the ) Tj ET Q q 0 0 0 rg BT 297.67 366.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 331.10 366.75 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 358.97 366.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 386.27 366.75 Td (has ) Tj ET Q q 0 0 0 rg BT 406.92 366.75 Td (prepared ) Tj ET Q q 0 0 0 rg BT 451.47 366.75 Td (a ) Tj ET Q q 0 0 0 rg BT 461.56 366.75 Td (strategic ) Tj ET Q q 0 0 0 rg BT 503.88 366.75 Td (analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 354.75 Td (consisting ) Tj ET Q q 0 0 0 rg BT 119.25 354.75 Td (of ) Tj ET Q q 0 0 0 rg BT 130.36 354.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 176.50 354.75 Td (strategies ) Tj ET Q q 0 0 0 rg BT 222.63 354.75 Td (for ) Tj ET Q q 0 0 0 rg BT 237.08 354.75 Td (its ) Tj ET Q q 0 0 0 rg BT 249.86 354.75 Td (MEs, ) Tj ET Q q 0 0 0 rg BT 275.42 354.75 Td (and ) Tj ET Q q 0 0 0 rg BT 294.88 354.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 322.11 354.75 Td (in ) Tj ET Q q 0 0 0 rg BT 332.67 354.75 Td (the ) Tj ET Q q 0 0 0 rg BT 349.35 354.75 Td (event ) Tj ET Q q 0 0 0 rg BT 376.59 354.75 Td (of ) Tj ET Q q 0 0 0 rg BT 387.71 354.75 Td (the ) Tj ET Q q 0 0 0 rg BT 404.39 354.75 Td (failure ) Tj ET Q q 0 0 0 rg BT 434.41 354.75 Td (of ) Tj ET Q q 0 0 0 rg BT 445.53 354.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 471.08 354.75 Td (and ) Tj ET Q q 0 0 0 rg BT 490.54 354.75 Td (its ) Tj ET Q q 0 0 0 rg BT 503.32 354.75 Td (MEs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 332.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.49 332.75 Td (strategic ) Tj ET Q q 0 0 0 rg BT 131.54 332.75 Td (analysis ) Tj ET Q q 0 0 0 rg BT 169.92 332.75 Td (has ) Tj ET Q q 0 0 0 rg BT 188.30 332.75 Td (been ) Tj ET Q q 0 0 0 rg BT 212.80 332.75 Td (developed ) Tj ET Q q 0 0 0 rg BT 261.21 332.75 Td (under ) Tj ET Q q 0 0 0 rg BT 289.04 332.75 Td (the ) Tj ET Q q 0 0 0 rg BT 305.20 332.75 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 363.59 332.75 Td (required ) Tj ET Q q 0 0 0 rg BT 402.54 332.75 Td (by ) Tj ET Q q 0 0 0 rg BT 415.35 332.75 Td (the ) Tj ET Q q 0 0 0 rg BT 431.51 332.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 467.67 332.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 507.17 332.75 Td (and ) Tj ET Q q 0 0 0 rg BT 526.11 332.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 320.75 Td (౦Ϸ. ) Tj ET Q q 0 0 0 rg BT 101.53 320.75 Td ( ) Tj ET Q q 0 0 0 rg BT 104.72 320.75 Td (This ) Tj ET Q q 0 0 0 rg BT 127.03 320.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 166.02 320.75 Td (addresses ) Tj ET Q q 0 0 0 rg BT 215.58 320.75 Td (how ) Tj ET Q q 0 0 0 rg BT 237.34 320.75 Td (the ) Tj ET Q q 0 0 0 rg BT 254.66 320.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 277.53 320.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 327.65 320.75 Td (of ) Tj ET Q q 0 0 0 rg BT 339.40 320.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 365.60 320.75 Td (may ) Tj ET Q q 0 0 0 rg BT 387.91 320.75 Td (undergo ) Tj ET Q q 0 0 0 rg BT 428.03 320.75 Td (an ) Tj ET Q q 0 0 0 rg BT 442.57 320.75 Td (orderly ) Tj ET Q q 0 0 0 rg BT 476.56 320.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 523.33 320.75 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 308.75 Td (minimizes ) Tj ET Q q 0 0 0 rg BT 119.23 308.75 Td (any ) Tj ET Q q 0 0 0 rg BT 138.13 308.75 Td (market ) Tj ET Q q 0 0 0 rg BT 171.47 308.75 Td (disruptions ) Tj ET Q q 0 0 0 rg BT 222.61 308.75 Td (and ) Tj ET Q q 0 0 0 rg BT 242.07 308.75 Td (occurs ) Tj ET Q q 0 0 0 rg BT 274.30 308.75 Td (without ) Tj ET Q q 0 0 0 rg BT 308.76 308.75 Td (recourse ) Tj ET Q q 0 0 0 rg BT 350.45 308.75 Td (to ) Tj ET Q q 0 0 0 rg BT 361.57 308.75 Td (any ) Tj ET Q q 0 0 0 rg BT 380.47 308.75 Td (assistance ) Tj ET Q q 0 0 0 rg BT 430.49 308.75 Td (from ) Tj ET Q q 0 0 0 rg BT 453.27 308.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 475.50 308.75 Td (taxpayers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 286.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.65 286.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 122.97 286.75 Td (RP) Tj ET Q q 0 0 0 rg BT 136.68 286.75 Td ( ) Tj ET Q q 0 0 0 rg BT 139.09 286.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 179.30 286.75 Td (a ) Tj ET Q q 0 0 0 rg BT 187.28 286.75 Td (detailed ) Tj ET Q q 0 0 0 rg BT 224.72 286.75 Td (analysis ) Tj ET Q q 0 0 0 rg BT 263.27 286.75 Td (of ) Tj ET Q q 0 0 0 rg BT 274.02 286.75 Td (how ) Tj ET Q q 0 0 0 rg BT 294.78 286.75 Td (BMO's ) Tj ET Q q 0 0 0 rg BT 326.88 286.75 Td (material ) Tj ET Q q 0 0 0 rg BT 364.86 286.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 413.98 286.75 Td (in ) Tj ET Q q 0 0 0 rg BT 424.18 286.75 Td (the ) Tj ET Q q 0 0 0 rg BT 440.49 286.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 462.35 286.75 Td (could ) Tj ET Q q 0 0 0 rg BT 488.67 286.75 Td (be ) Tj ET Q q 0 0 0 rg BT 502.21 286.75 Td (resolved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 274.75 Td (in ) Tj ET Q q 0 0 0 rg BT 82.86 274.75 Td (a ) Tj ET Q q 0 0 0 rg BT 91.51 274.75 Td (rapid ) Tj ET Q q 0 0 0 rg BT 116.82 274.75 Td (and ) Tj ET Q q 0 0 0 rg BT 136.59 274.75 Td (orderly ) Tj ET Q q 0 0 0 rg BT 170.24 274.75 Td (manner ) Tj ET Q q 0 0 0 rg BT 207.22 274.75 Td (that ) Tj ET Q q 0 0 0 rg BT 226.99 274.75 Td (would ) Tj ET Q q 0 0 0 rg BT 256.19 274.75 Td (not ) Tj ET Q q 0 0 0 rg BT 273.18 274.75 Td (create ) Tj ET Q q 0 0 0 rg BT 304.05 274.75 Td (serious ) Tj ET Q q 0 0 0 rg BT 339.37 274.75 Td (adverse ) Tj ET Q q 0 0 0 rg BT 378.03 274.75 Td (ef) Tj ET Q q 0 0 0 rg BT 386.18 274.75 Td (fects ) Tj ET Q q 0 0 0 rg BT 410.38 274.75 Td (on ) Tj ET Q q 0 0 0 rg BT 424.59 274.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 447.12 274.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 486.89 274.75 Td (stability ) Tj ET Q q 0 0 0 rg BT 523.31 274.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 262.75 Td (that ) Tj ET Q q 0 0 0 rg BT 91.97 262.75 Td (would ) Tj ET Q q 0 0 0 rg BT 121.39 262.75 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 167.48 262.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 193.01 262.75 Td (the ) Tj ET Q q 0 0 0 rg BT 210.20 262.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 271.85 262.75 Td (of ) Tj ET Q q 0 0 0 rg BT 283.48 262.75 Td (the ) Tj ET Q q 0 0 0 rg BT 300.68 262.75 Td (165\(d\) ) Tj ET Q q 0 0 0 rg BT 332.88 262.75 Td (and ) Tj ET Q q 0 0 0 rg BT 352.85 262.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 368.93 262.75 Td (Rules. ) Tj ET Q q 0 0 0 rg BT 400.56 262.75 Td ( ) Tj ET Q q 0 0 0 rg BT 403.64 262.75 Td (The ) Tj ET Q q 0 0 0 rg BT 424.17 262.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 463.03 262.75 Td (to ) Tj ET Q q 0 0 0 rg BT 474.66 262.75 Td (resolve ) Tj ET Q q 0 0 0 rg BT 510.19 262.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 535.01 262.75 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 250.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 121.29 250.75 Td (in ) Tj ET Q q 0 0 0 rg BT 131.67 250.75 Td (the ) Tj ET Q q 0 0 0 rg BT 148.17 250.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 170.21 250.75 Td (is ) Tj ET Q q 0 0 0 rg BT 180.03 250.75 Td (organized ) Tj ET Q q 0 0 0 rg BT 226.55 250.75 Td (around ) Tj ET Q q 0 0 0 rg BT 260.28 250.75 Td (the ) Tj ET Q q 0 0 0 rg BT 276.78 250.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 322.73 250.75 Td (of ) Tj ET Q q 0 0 0 rg BT 333.67 250.75 Td (the ) Tj ET Q q 0 0 0 rg BT 350.16 250.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 372.76 250.75 Td ( ) Tj ET Q q 0 0 0 rg BT 380.91 250.75 Td (BFC, ) Tj ET Q q 0 0 0 rg BT 406.29 250.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 431.66 250.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 460.92 250.75 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 489.09 250.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 514.46 250.75 Td (CMC, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 238.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.40 238.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 136.70 238.75 Td (Branch, ) Tj ET Q q 0 0 0 rg BT 173.78 238.75 Td (BHFI, ) Tj ET Q q 0 0 0 rg BT 201.95 238.75 Td (and ) Tj ET Q q 0 0 0 rg BT 221.26 238.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 246.65 238.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 275.93 238.75 Td (Central. ) Tj ET Q q 0 0 0 rg BT 313.39 238.75 Td (The ) Tj ET Q q 0 0 0 rg BT 333.24 238.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 379.22 238.75 Td (of ) Tj ET Q q 0 0 0 rg BT 390.17 238.75 Td (the ) Tj ET Q q 0 0 0 rg BT 406.69 238.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 433.76 238.75 Td (would ) Tj ET Q q 0 0 0 rg BT 462.51 238.75 Td (occur ) Tj ET Q q 0 0 0 rg BT 489.58 238.75 Td (through ) Tj ET Q q 0 0 0 rg BT 526.11 238.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 226.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 94.78 226.75 Td (in ) Tj ET Q q 0 0 0 rg BT 105.34 226.75 Td (which ) Tj ET Q q 0 0 0 rg BT 133.68 226.75 Td (they ) Tj ET Q q 0 0 0 rg BT 155.36 226.75 Td (operate. ) Tj ET Q q 0 0 0 rg BT 194.66 226.75 Td (The ) Tj ET Q q 0 0 0 rg BT 214.67 226.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 237.44 226.75 Td (would ) Tj ET Q q 0 0 0 rg BT 266.35 226.75 Td (be ) Tj ET Q q 0 0 0 rg BT 280.25 226.75 Td (resolved ) Tj ET Q q 0 0 0 rg BT 320.83 226.75 Td (as ) Tj ET Q q 0 0 0 rg BT 334.17 226.75 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 204.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 204.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 133.29 204.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 162.47 204.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 187.77 204.75 Td (and ) Tj ET Q q 0 0 0 rg BT 206.97 204.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 232.26 204.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 261.43 204.75 Td (Central ) Tj ET Q q 0 0 0 rg BT 296.18 204.75 Td (would ) Tj ET Q q 0 0 0 rg BT 324.82 204.75 Td (be ) Tj ET Q q 0 0 0 rg BT 338.45 204.75 Td (resolved ) Tj ET Q q 0 0 0 rg BT 378.76 204.75 Td (under ) Tj ET Q q 0 0 0 rg BT 406.85 204.75 Td (the ) Tj ET Q q 0 0 0 rg BT 423.26 204.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 459.68 204.75 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 496.10 204.75 Td (Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 192.75 Td (Act ) Tj ET Q q 0 0 0 rg BT 126.73 192.75 Td (by ) Tj ET Q q 0 0 0 rg BT 141.57 192.75 Td (the ) Tj ET Q q 0 0 0 rg BT 159.75 192.75 Td (౦Ϸ, ) Tj ET Q q 0 0 0 rg BT 190.14 192.75 Td (following ) Tj ET Q q 0 0 0 rg BT 233.33 192.75 Td (its ) Tj ET Q q 0 0 0 rg BT 247.62 192.75 Td (appointment ) Tj ET Q q 0 0 0 rg BT 306.94 192.75 Td (as ) Tj ET Q q 0 0 0 rg BT 321.78 192.75 Td (receiver) Tj ET Q q 0 0 0 rg BT 356.79 192.75 Td (. ) Tj ET Q q 0 0 0 rg BT 363.85 192.75 Td ( ) Tj ET Q q 0 0 0 rg BT 368.13 192.75 Td (While ) Tj ET Q q 0 0 0 rg BT 397.42 192.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 424.48 192.75 Td (believes ) Tj ET Q q 0 0 0 rg BT 465.45 192.75 Td (this ) Tj ET Q q 0 0 0 rg BT 485.29 192.75 Td (can ) Tj ET Q q 0 0 0 rg BT 505.69 192.75 Td (best ) Tj ET Q q 0 0 0 rg BT 528.88 192.75 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 180.75 Td (accomplished ) Tj ET Q q 0 0 0 rg BT 171.17 180.75 Td (through ) Tj ET Q q 0 0 0 rg BT 207.12 180.75 Td (either ) Tj ET Q q 0 0 0 rg BT 234.16 180.75 Td (an ) Tj ET Q q 0 0 0 rg BT 247.31 180.75 Td (immediate ) Tj ET Q q 0 0 0 rg BT 295.47 180.75 Td (whole ) Tj ET Q q 0 0 0 rg BT 323.63 180.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 347.34 180.75 Td (purchase ) Tj ET Q q 0 0 0 rg BT 390.51 180.75 Td (and ) Tj ET Q q 0 0 0 rg BT 409.22 180.75 Td (assumption ) Tj ET Q q 0 0 0 rg BT 462.39 180.75 Td (\(P&A\) ) Tj ET Q q 0 0 0 rg BT 491.09 180.75 Td (transaction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 168.75 Td (transferring ) Tj ET Q q 0 0 0 rg BT 161.29 168.75 Td (their ) Tj ET Q q 0 0 0 rg BT 183.45 168.75 Td (respective ) Tj ET Q q 0 0 0 rg BT 231.73 168.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 281.14 168.75 Td (to ) Tj ET Q q 0 0 0 rg BT 292.19 168.75 Td (another ) Tj ET Q q 0 0 0 rg BT 328.81 168.75 Td (bank, ) Tj ET Q q 0 0 0 rg BT 355.99 168.75 Td (or ) Tj ET Q q 0 0 0 rg BT 367.59 168.75 Td (through ) Tj ET Q q 0 0 0 rg BT 404.21 168.75 Td (a ) Tj ET Q q 0 0 0 rg BT 412.48 168.75 Td (transfer ) Tj ET Q q 0 0 0 rg BT 449.09 168.75 Td (to ) Tj ET Q q 0 0 0 rg BT 460.14 168.75 Td (a ) Tj ET Q q 0 0 0 rg BT 468.41 168.75 Td (bridge ) Tj ET Q q 0 0 0 rg BT 498.92 168.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 523.31 168.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 156.75 Td (a ) Tj ET Q q 0 0 0 rg BT 116.86 156.75 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 171.87 156.75 Td (P&A) Tj ET Q q 0 0 0 rg BT 191.33 156.75 Td ( ) Tj ET Q q 0 0 0 rg BT 194.63 156.75 Td (transaction ) Tj ET Q q 0 0 0 rg BT 246.85 156.75 Td (to ) Tj ET Q q 0 0 0 rg BT 258.49 156.75 Td (another ) Tj ET Q q 0 0 0 rg BT 295.71 156.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 320.69 156.75 Td (, ) Tj ET Q q 0 0 0 rg BT 326.77 156.75 Td (we ) Tj ET Q q 0 0 0 rg BT 342.85 156.75 Td (have ) Tj ET Q q 0 0 0 rg BT 367.84 156.75 Td (presented ) Tj ET Q q 0 0 0 rg BT 415.62 156.75 Td (other ) Tj ET Q q 0 0 0 rg BT 441.71 156.75 Td (options ) Tj ET Q q 0 0 0 rg BT 477.26 156.75 Td (to ) Tj ET Q q 0 0 0 rg BT 488.90 156.75 Td (the ) Tj ET Q q 0 0 0 rg BT 506.10 156.75 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 144.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 147.85 144.75 Td (and ) Tj ET Q q 0 0 0 rg BT 167.14 144.75 Td (the ) Tj ET Q q 0 0 0 rg BT 183.66 144.75 Td (౦Ϸ. ) Tj ET Q q 0 0 0 rg BT 212.38 144.75 Td ( ) Tj ET Q q 0 0 0 rg BT 214.82 144.75 Td (These ) Tj ET Q q 0 0 0 rg BT 245.22 144.75 Td (options ) Tj ET Q q 0 0 0 rg BT 280.08 144.75 Td (include ) Tj ET Q q 0 0 0 rg BT 314.38 144.75 Td (selling ) Tj ET Q q 0 0 0 rg BT 345.34 144.75 Td (various ) Tj ET Q q 0 0 0 rg BT 380.19 144.75 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 423.38 144.75 Td (and ) Tj ET Q q 0 0 0 rg BT 442.67 144.75 Td (businesses ) Tj ET Q q 0 0 0 rg BT 495.31 144.75 Td (in ) Tj ET Q q 0 0 0 rg BT 505.71 144.75 Td (order ) Tj ET Q q 0 0 0 rg BT 531.66 144.75 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 132.75 Td (reduce ) Tj ET Q q 0 0 0 rg BT 141.28 132.75 Td (the ) Tj ET Q q 0 0 0 rg BT 157.89 132.75 Td (size ) Tj ET Q q 0 0 0 rg BT 178.38 132.75 Td (of ) Tj ET Q q 0 0 0 rg BT 189.43 132.75 Td (BHB. ) Tj ET Q q 0 0 0 rg BT 215.48 132.75 Td ( ) Tj ET Q q 0 0 0 rg BT 218.01 132.75 Td (This ) Tj ET Q q 0 0 0 rg BT 239.61 132.75 Td (downsizing ) Tj ET Q q 0 0 0 rg BT 291.79 132.75 Td (could ) Tj ET Q q 0 0 0 rg BT 318.41 132.75 Td (then ) Tj ET Q q 0 0 0 rg BT 340.58 132.75 Td (be ) Tj ET Q q 0 0 0 rg BT 354.41 132.75 Td (followed ) Tj ET Q q 0 0 0 rg BT 393.81 132.75 Td (by ) Tj ET Q q 0 0 0 rg BT 407.08 132.75 Td (either ) Tj ET Q q 0 0 0 rg BT 434.80 132.75 Td (an ) Tj ET Q q 0 0 0 rg BT 448.63 132.75 Td (Initial ) Tj ET Q q 0 0 0 rg BT 474.68 132.75 Td (Public ) Tj ET Q q 0 0 0 rg BT 504.63 132.75 Td (Of) Tj ET Q q 0 0 0 rg BT 515.00 132.75 Td (fering ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 120.75 Td (or ) Tj ET Q q 0 0 0 rg BT 119.03 120.75 Td (a ) Tj ET Q q 0 0 0 rg BT 126.73 120.75 Td (P&A) Tj ET Q q 0 0 0 rg BT 146.19 120.75 Td ( ) Tj ET Q q 0 0 0 rg BT 148.33 120.75 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 202.16 120.75 Td ( ) Tj ET Q q 0 0 0 rg BT 203.87 120.75 Td (Additionally) Tj ET Q q 0 0 0 rg BT 254.27 120.75 Td (, ) Tj ET Q q 0 0 0 rg BT 259.19 120.75 Td (we ) Tj ET Q q 0 0 0 rg BT 274.11 120.75 Td (have ) Tj ET Q q 0 0 0 rg BT 297.93 120.75 Td (included ) Tj ET Q q 0 0 0 rg BT 337.32 120.75 Td (an ) Tj ET Q q 0 0 0 rg BT 350.58 120.75 Td (analysis ) Tj ET Q q 0 0 0 rg BT 388.85 120.75 Td (in ) Tj ET Q q 0 0 0 rg BT 398.77 120.75 Td (which ) Tj ET Q q 0 0 0 rg BT 426.48 120.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 449.17 120.75 Td (is ) Tj ET Q q 0 0 0 rg BT 458.53 120.75 Td (not ) Tj ET Q q 0 0 0 rg BT 474.57 120.75 Td (sold, ) Tj ET Q q 0 0 0 rg BT 497.84 120.75 Td (but ) Tj ET Q q 0 0 0 rg BT 513.88 120.75 Td (rather ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 108.75 Td (its ) Tj ET Q q 0 0 0 rg BT 120.78 108.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 170.26 108.75 Td (are ) Tj ET Q q 0 0 0 rg BT 187.49 108.75 Td (shut ) Tj ET Q q 0 0 0 rg BT 209.17 108.75 Td (down ) Tj ET Q q 0 0 0 rg BT 235.85 108.75 Td (and ) Tj ET Q q 0 0 0 rg BT 255.31 108.75 Td (its ) Tj ET Q q 0 0 0 rg BT 268.09 108.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 299.77 108.75 Td (are ) Tj ET Q q 0 0 0 rg BT 317.00 108.75 Td (liquidated. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 93.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 93.75 Td (The ) Tj ET Q q 0 0 0 rg BT 130.16 93.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 163.99 93.75 Td (of ) Tj ET Q q 0 0 0 rg BT 177.26 93.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 204.97 93.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 246.58 93.75 Td (Branch ) Tj ET Q q 0 0 0 rg BT 283.20 93.75 Td (would ) Tj ET Q q 0 0 0 rg BT 314.25 93.75 Td (be ) Tj ET Q q 0 0 0 rg BT 330.31 93.75 Td (resolved ) Tj ET Q q 0 0 0 rg BT 373.03 93.75 Td (by ) Tj ET Q q 0 0 0 rg BT 388.52 93.75 Td (the ) Tj ET Q q 0 0 0 rg BT 407.35 93.75 Td (Superintendent ) Tj ET Q q 0 0 0 rg BT 480.11 93.75 Td (of ) Tj ET Q q 0 0 0 rg BT 493.38 93.75 Td (the ) Tj ET Q q 0 0 0 rg BT 512.21 93.75 Td (Illinois ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 81.75 Td (Department ) Tj ET Q q 0 0 0 rg BT 163.02 81.75 Td (of ) Tj ET Q q 0 0 0 rg BT 174.14 81.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 216.94 81.75 Td (and ) Tj ET Q q 0 0 0 rg BT 236.40 81.75 Td (Professional ) Tj ET Q q 0 0 0 rg BT 294.21 81.75 Td (Regulation, ) Tj ET Q q 0 0 0 rg BT 347.58 81.75 Td (which ) Tj ET Q q 0 0 0 rg BT 375.92 81.75 Td (would ) Tj ET Q q 0 0 0 rg BT 404.83 81.75 Td (then ) Tj ET Q q 0 0 0 rg BT 427.07 81.75 Td (commence ) Tj ET Q q 0 0 0 rg BT 478.76 81.75 Td (liquidation. ) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p18 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 712.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 132.32 712.75 Td (CMC ) Tj ET Q q 0 0 0 rg BT 156.64 712.75 Td (would ) Tj ET Q q 0 0 0 rg BT 184.32 712.75 Td (be ) Tj ET Q q 0 0 0 rg BT 196.99 712.75 Td (wound ) Tj ET Q q 0 0 0 rg BT 228.00 712.75 Td (down ) Tj ET Q q 0 0 0 rg BT 253.46 712.75 Td (after ) Tj ET Q q 0 0 0 rg BT 275.01 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 290.46 712.75 Td (initiation ) Tj ET Q q 0 0 0 rg BT 328.69 712.75 Td (of ) Tj ET Q q 0 0 0 rg BT 338.58 712.75 Td (a ) Tj ET Q q 0 0 0 rg BT 345.69 712.75 Td (Securities ) Tj ET Q q 0 0 0 rg BT 391.14 712.75 Td (Investor ) Tj ET Q q 0 0 0 rg BT 428.26 712.75 Td (Protection ) Tj ET Q q 0 0 0 rg BT 474.52 712.75 Td (Act ) Tj ET Q q 0 0 0 rg BT 490.52 712.75 Td (proceeding ) Tj ET Q q 0 0 0 rg BT 542.78 712.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 700.75 Td (by ) Tj ET Q q 0 0 0 rg BT 121.15 700.75 Td (a ) Tj ET Q q 0 0 0 rg BT 129.29 700.75 Td (trustee ) Tj ET Q q 0 0 0 rg BT 162.45 700.75 Td (appointed ) Tj ET Q q 0 0 0 rg BT 208.97 700.75 Td (by ) Tj ET Q q 0 0 0 rg BT 222.11 700.75 Td (Securities ) Tj ET Q q 0 0 0 rg BT 268.61 700.75 Td (Investor ) Tj ET Q q 0 0 0 rg BT 306.76 700.75 Td (Protection ) Tj ET Q q 0 0 0 rg BT 354.37 700.75 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 409.21 700.75 Td (\(the ) Tj ET Q q 0 0 0 rg BT 429.03 700.75 Td (SIPC ) Tj ET Q q 0 0 0 rg BT 454.78 700.75 Td (T) Tj ET Q q 0 0 0 rg BT 460.52 700.75 Td (rustee\). ) Tj ET Q q 0 0 0 rg BT 496.84 700.75 Td (The ) Tj ET Q q 0 0 0 rg BT 516.66 700.75 Td (SIPC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 688.75 Td (T) Tj ET Q q 0 0 0 rg BT 113.74 688.75 Td (rustee ) Tj ET Q q 0 0 0 rg BT 144.13 688.75 Td (would ) Tj ET Q q 0 0 0 rg BT 172.87 688.75 Td (transfer ) Tj ET Q q 0 0 0 rg BT 209.37 688.75 Td (customer ) Tj ET Q q 0 0 0 rg BT 253.10 688.75 Td (accounts ) Tj ET Q q 0 0 0 rg BT 295.72 688.75 Td (to ) Tj ET Q q 0 0 0 rg BT 306.67 688.75 Td (a ) Tj ET Q q 0 0 0 rg BT 314.83 688.75 Td (solvent ) Tj ET Q q 0 0 0 rg BT 349.12 688.75 Td (broker ) Tj ET Q q 0 0 0 rg BT 380.07 688.75 Td (dealer ) Tj ET Q q 0 0 0 rg BT 410.47 688.75 Td (and ) Tj ET Q q 0 0 0 rg BT 429.76 688.75 Td (transfer ) Tj ET Q q 0 0 0 rg BT 466.26 688.75 Td (Futures ) Tj ET Q q 0 0 0 rg BT 502.77 688.75 Td (Clearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 676.75 Td (Merchant ) Tj ET Q q 0 0 0 rg BT 152.75 676.75 Td (\(FCM\) ) Tj ET Q q 0 0 0 rg BT 184.13 676.75 Td (customer ) Tj ET Q q 0 0 0 rg BT 228.32 676.75 Td (accounts ) Tj ET Q q 0 0 0 rg BT 271.40 676.75 Td (to ) Tj ET Q q 0 0 0 rg BT 282.81 676.75 Td (a ) Tj ET Q q 0 0 0 rg BT 291.43 676.75 Td (solvent ) Tj ET Q q 0 0 0 rg BT 326.18 676.75 Td (FCM. ) Tj ET Q q 0 0 0 rg BT 353.68 676.75 Td ( ) Tj ET Q q 0 0 0 rg BT 356.54 676.75 Td (The ) Tj ET Q q 0 0 0 rg BT 376.84 676.75 Td (SIPC ) Tj ET Q q 0 0 0 rg BT 403.04 676.75 Td (T) Tj ET Q q 0 0 0 rg BT 408.78 676.75 Td (ruste ) Tj ET Q q 0 0 0 rg BT 434.08 676.75 Td (would ) Tj ET Q q 0 0 0 rg BT 463.27 676.75 Td (then ) Tj ET Q q 0 0 0 rg BT 485.79 676.75 Td (liquidate ) Tj ET Q q 0 0 0 rg BT 526.11 676.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 664.75 Td (remainder ) Tj ET Q q 0 0 0 rg BT 155.80 664.75 Td (of ) Tj ET Q q 0 0 0 rg BT 166.92 664.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 192.47 664.75 Td (CMC's ) Tj ET Q q 0 0 0 rg BT 224.93 664.75 Td (broker ) Tj ET Q q 0 0 0 rg BT 256.06 664.75 Td (dealer ) Tj ET Q q 0 0 0 rg BT 286.63 664.75 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 642.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 642.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 129.76 642.75 Td (and ) Tj ET Q q 0 0 0 rg BT 148.21 642.75 Td (BHFI ) Tj ET Q q 0 0 0 rg BT 172.75 642.75 Td (would ) Tj ET Q q 0 0 0 rg BT 200.64 642.75 Td (be ) Tj ET Q q 0 0 0 rg BT 213.52 642.75 Td (resolved ) Tj ET Q q 0 0 0 rg BT 253.08 642.75 Td (under ) Tj ET Q q 0 0 0 rg BT 280.42 642.75 Td (Chapter ) Tj ET Q q 0 0 0 rg BT 317.76 642.75 Td (1) Tj ET Q q 0 0 0 rg BT 322.58 642.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 329.90 642.75 Td (of ) Tj ET Q q 0 0 0 rg BT 340.01 642.75 Td (the ) Tj ET Q q 0 0 0 rg BT 355.67 642.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 376.88 642.75 Td (Bankruptcy ) Tj ET Q q 0 0 0 rg BT 428.67 642.75 Td (Code. ) Tj ET Q q 0 0 0 rg BT 457.00 642.75 Td (The ) Tj ET Q q 0 0 0 rg BT 475.99 642.75 Td (limited ) Tj ET Q q 0 0 0 rg BT 506.65 642.75 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 630.75 Td (of ) Tj ET Q q 0 0 0 rg BT 119.21 630.75 Td (services ) Tj ET Q q 0 0 0 rg BT 158.76 630.75 Td (that ) Tj ET Q q 0 0 0 rg BT 178.31 630.75 Td (flow ) Tj ET Q q 0 0 0 rg BT 198.97 630.75 Td (through ) Tj ET Q q 0 0 0 rg BT 235.76 630.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 258.63 630.75 Td (are ) Tj ET Q q 0 0 0 rg BT 275.96 630.75 Td (likely ) Tj ET Q q 0 0 0 rg BT 301.06 630.75 Td (to ) Tj ET Q q 0 0 0 rg BT 312.27 630.75 Td (continue ) Tj ET Q q 0 0 0 rg BT 352.95 630.75 Td (to ) Tj ET Q q 0 0 0 rg BT 364.16 630.75 Td (be ) Tj ET Q q 0 0 0 rg BT 378.16 630.75 Td (provided ) Tj ET Q q 0 0 0 rg BT 419.39 630.75 Td (by ) Tj ET Q q 0 0 0 rg BT 432.83 630.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 455.70 630.75 Td (to ) Tj ET Q q 0 0 0 rg BT 466.91 630.75 Td (the ) Tj ET Q q 0 0 0 rg BT 483.69 630.75 Td (other ) Tj ET Q q 0 0 0 rg BT 509.35 630.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 532.23 630.75 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 618.75 Td (insolvency ) Tj ET Q q 0 0 0 rg BT 157.63 618.75 Td (on ) Tj ET Q q 0 0 0 rg BT 171.70 618.75 Td (a ) Tj ET Q q 0 0 0 rg BT 180.20 618.75 Td (cost-plus ) Tj ET Q q 0 0 0 rg BT 223.16 618.75 Td (basis ) Tj ET Q q 0 0 0 rg BT 249.45 618.75 Td (under ) Tj ET Q q 0 0 0 rg BT 277.96 618.75 Td (inter-af) Tj ET Q q 0 0 0 rg BT 308.91 618.75 Td (filiate ) Tj ET Q q 0 0 0 rg BT 335.19 618.75 Td (service ) Tj ET Q q 0 0 0 rg BT 369.81 618.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 425.56 618.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 460.19 618.75 Td (to ) Tj ET Q q 0 0 0 rg BT 471.47 618.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 494.41 618.75 Td (continuing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 606.75 Td (to ) Tj ET Q q 0 0 0 rg BT 119.46 606.75 Td (be ) Tj ET Q q 0 0 0 rg BT 133.70 606.75 Td (paid ) Tj ET Q q 0 0 0 rg BT 155.72 606.75 Td (for ) Tj ET Q q 0 0 0 rg BT 170.50 606.75 Td (such ) Tj ET Q q 0 0 0 rg BT 194.74 606.75 Td (services ) Tj ET Q q 0 0 0 rg BT 234.53 606.75 Td (by ) Tj ET Q q 0 0 0 rg BT 248.21 606.75 Td (the ) Tj ET Q q 0 0 0 rg BT 265.23 606.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 303.92 606.75 Td (ME ) Tj ET Q q 0 0 0 rg BT 322.04 606.75 Td (\(or ) Tj ET Q q 0 0 0 rg BT 337.38 606.75 Td (their ) Tj ET Q q 0 0 0 rg BT 359.95 606.75 Td (successors\). ) Tj ET Q q 0 0 0 rg BT 419.18 606.75 Td (BHFI ) Tj ET Q q 0 0 0 rg BT 445.08 606.75 Td (is ) Tj ET Q q 0 0 0 rg BT 455.42 606.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 496.31 606.75 Td (a ) Tj ET Q q 0 0 0 rg BT 504.99 606.75 Td (booking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 594.75 Td (location ) Tj ET Q q 0 0 0 rg BT 144.56 594.75 Td (for ) Tj ET Q q 0 0 0 rg BT 158.32 594.75 Td (commercial ) Tj ET Q q 0 0 0 rg BT 211.52 594.75 Td (loans ) Tj ET Q q 0 0 0 rg BT 237.52 594.75 Td (and ) Tj ET Q q 0 0 0 rg BT 256.29 594.75 Td (would ) Tj ET Q q 0 0 0 rg BT 284.51 594.75 Td (be ) Tj ET Q q 0 0 0 rg BT 297.72 594.75 Td (liquidated ) Tj ET Q q 0 0 0 rg BT 342.63 594.75 Td (by ) Tj ET Q q 0 0 0 rg BT 355.28 594.75 Td (selling ) Tj ET Q q 0 0 0 rg BT 385.71 594.75 Td (its ) Tj ET Q q 0 0 0 rg BT 397.80 594.75 Td (loan ) Tj ET Q q 0 0 0 rg BT 418.80 594.75 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 456.47 594.75 Td (in ) Tj ET Q q 0 0 0 rg BT 466.34 594.75 Td (the ) Tj ET Q q 0 0 0 rg BT 482.33 594.75 Td (open ) Tj ET Q q 0 0 0 rg BT 506.66 594.75 Td (market.) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I17 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 572.75 Td (1.2 ) Tj ET Q q 0 0 0 rg BT 88.68 572.75 Td ( ) Tj ET Q q 0 0 0 rg BT 91.46 572.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 117.57 572.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 149.25 572.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 176.48 572.75 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 199.26 572.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 214.82 572.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 269.26 572.75 Td (Plan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 290.38 572.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 550.75 Td (1.2.1 ) Tj ET Q q 0 0 0 rg BT 97.02 550.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 550.75 Td (Overview ) Tj ET Q q 0 0 0 rg BT 147.05 550.75 Td (of ) Tj ET Q q 0 0 0 rg BT 159.27 550.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 213.71 550.75 Td (Plan) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 234.83 550.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 528.75 Td (This ) Tj ET Q q 0 0 0 rg BT 93.53 528.75 Td (Public ) Tj ET Q q 0 0 0 rg BT 123.41 528.75 Td (Section ) Tj ET Q q 0 0 0 rg BT 159.40 528.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 199.84 528.75 Td (an ) Tj ET Q q 0 0 0 rg BT 213.60 528.75 Td (overview ) Tj ET Q q 0 0 0 rg BT 255.70 528.75 Td (of ) Tj ET Q q 0 0 0 rg BT 266.68 528.75 Td (the ) Tj ET Q q 0 0 0 rg BT 283.22 528.75 Td (overall ) Tj ET Q q 0 0 0 rg BT 315.32 528.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 361.32 528.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 399.53 528.75 Td (for ) Tj ET Q q 0 0 0 rg BT 413.84 528.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 439.26 528.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 468.57 528.75 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 496.78 528.75 Td (a ) Tj ET Q q 0 0 0 rg BT 504.98 528.75 Td (national ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 516.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 96.46 516.75 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 164.29 516.75 Td (in ) Tj ET Q q 0 0 0 rg BT 174.86 516.75 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 217.10 516.75 Td (Illinois. ) Tj ET Q q 0 0 0 rg BT 250.45 516.75 Td ( ) Tj ET Q q 0 0 0 rg BT 253.23 516.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 278.78 516.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 308.23 516.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 333.80 516.75 Td (is ) Tj ET Q q 0 0 0 rg BT 343.80 516.75 Td (a ) Tj ET Q q 0 0 0 rg BT 352.14 516.75 Td (wholly-owned, ) Tj ET Q q 0 0 0 rg BT 418.28 516.75 Td (indirect ) Tj ET Q q 0 0 0 rg BT 453.29 516.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 501.09 516.75 Td (of ) Tj ET Q q 0 0 0 rg BT 512.21 516.75 Td (BMO.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 494.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.16 494.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 118.41 494.75 Td (adopted ) Tj ET Q q 0 0 0 rg BT 157.48 494.75 Td (the ) Tj ET Q q 0 0 0 rg BT 174.31 494.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 190.01 494.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 213.50 494.75 Td (in ) Tj ET Q q 0 0 0 rg BT 224.21 494.75 Td (January ) Tj ET Q q 0 0 0 rg BT 262.71 494.75 Td (2012 ) Tj ET Q q 0 0 0 rg BT 287.88 494.75 Td (requiring ) Tj ET Q q 0 0 0 rg BT 329.72 494.75 Td (IDIs ) Tj ET Q q 0 0 0 rg BT 350.42 494.75 Td (with ) Tj ET Q q 0 0 0 rg BT 371.13 494.75 Td ($50B ) Tj ET Q q 0 0 0 rg BT 397.41 494.75 Td (or ) Tj ET Q q 0 0 0 rg BT 409.23 494.75 Td (more ) Tj ET Q q 0 0 0 rg BT 434.93 494.75 Td (in ) Tj ET Q q 0 0 0 rg BT 445.64 494.75 Td (total ) Tj ET Q q 0 0 0 rg BT 467.47 494.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 499.29 494.75 Td (to ) Tj ET Q q 0 0 0 rg BT 510.56 494.75 Td (submit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 482.75 Td (periodically ) Tj ET Q q 0 0 0 rg BT 124.49 482.75 Td (to ) Tj ET Q q 0 0 0 rg BT 135.29 482.75 Td (the ) Tj ET Q q 0 0 0 rg BT 151.66 482.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 177.45 482.75 Td (a ) Tj ET Q q 0 0 0 rg BT 185.47 482.75 Td (contingency ) Tj ET Q q 0 0 0 rg BT 241.31 482.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 262.68 482.75 Td (for ) Tj ET Q q 0 0 0 rg BT 276.81 482.75 Td (the ) Tj ET Q q 0 0 0 rg BT 293.17 482.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 339.00 482.75 Td (of ) Tj ET Q q 0 0 0 rg BT 349.80 482.75 Td (that ) Tj ET Q q 0 0 0 rg BT 368.94 482.75 Td (institution ) Tj ET Q q 0 0 0 rg BT 413.65 482.75 Td (in ) Tj ET Q q 0 0 0 rg BT 423.90 482.75 Td (the ) Tj ET Q q 0 0 0 rg BT 440.26 482.75 Td (event ) Tj ET Q q 0 0 0 rg BT 467.19 482.75 Td (of ) Tj ET Q q 0 0 0 rg BT 477.99 482.75 Td (its ) Tj ET Q q 0 0 0 rg BT 490.46 482.75 Td (failure. ) Tj ET Q q 0 0 0 rg BT 522.77 482.75 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 470.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 87.37 470.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 110.53 470.75 Td (requires ) Tj ET Q q 0 0 0 rg BT 149.25 470.75 Td (a ) Tj ET Q q 0 0 0 rg BT 157.40 470.75 Td (covered ) Tj ET Q q 0 0 0 rg BT 195.57 470.75 Td (insured ) Tj ET Q q 0 0 0 rg BT 230.96 470.75 Td (depository ) Tj ET Q q 0 0 0 rg BT 279.69 470.75 Td (institution ) Tj ET Q q 0 0 0 rg BT 324.53 470.75 Td (\(CIDI\) ) Tj ET Q q 0 0 0 rg BT 353.78 470.75 Td (to ) Tj ET Q q 0 0 0 rg BT 364.71 470.75 Td (submit ) Tj ET Q q 0 0 0 rg BT 396.76 470.75 Td (an ) Tj ET Q q 0 0 0 rg BT 410.48 470.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 425.85 470.75 Td (RP) Tj ET Q q 0 0 0 rg BT 439.56 470.75 Td ( ) Tj ET Q q 0 0 0 rg BT 442.15 470.75 Td (that ) Tj ET Q q 0 0 0 rg BT 461.42 470.75 Td (should ) Tj ET Q q 0 0 0 rg BT 493.48 470.75 Td (enable ) Tj ET Q q 0 0 0 rg BT 526.10 470.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 458.75 Td (౦Ϸ, ) Tj ET Q q 0 0 0 rg BT 100.86 458.75 Td (as ) Tj ET Q q 0 0 0 rg BT 114.18 458.75 Td (receiver) Tj ET Q q 0 0 0 rg BT 149.20 458.75 Td (, ) Tj ET Q q 0 0 0 rg BT 154.73 458.75 Td (to ) Tj ET Q q 0 0 0 rg BT 165.82 458.75 Td (resolve ) Tj ET Q q 0 0 0 rg BT 200.82 458.75 Td (the ) Tj ET Q q 0 0 0 rg BT 217.47 458.75 Td (institution ) Tj ET Q q 0 0 0 rg BT 262.47 458.75 Td (under ) Tj ET Q q 0 0 0 rg BT 290.81 458.75 Td (Sections ) Tj ET Q q 0 0 0 rg BT 331.92 458.75 Td (1) Tj ET Q q 0 0 0 rg BT 336.73 458.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 345.05 458.75 Td (and ) Tj ET Q q 0 0 0 rg BT 364.49 458.75 Td (13 ) Tj ET Q q 0 0 0 rg BT 378.37 458.75 Td (of ) Tj ET Q q 0 0 0 rg BT 389.47 458.75 Td (the ) Tj ET Q q 0 0 0 rg BT 406.12 458.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 442.78 458.75 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 479.45 458.75 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 525.57 458.75 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 446.75 Td (\(the ) Tj ET Q q 0 0 0 rg BT 92.99 446.75 Td (FDIA\), ) Tj ET Q q 0 0 0 rg BT 125.63 446.75 Td (12 ) Tj ET Q q 0 0 0 rg BT 140.51 446.75 Td (U.S.C. ) Tj ET Q q 0 0 0 rg BT 173.72 446.75 Td (1821 ) Tj ET Q q 0 0 0 rg BT 199.72 446.75 Td (and ) Tj ET Q q 0 0 0 rg BT 220.17 446.75 Td (1823, ) Tj ET Q q 0 0 0 rg BT 248.95 446.75 Td (in ) Tj ET Q q 0 0 0 rg BT 260.49 446.75 Td (a ) Tj ET Q q 0 0 0 rg BT 269.81 446.75 Td (manner ) Tj ET Q q 0 0 0 rg BT 307.47 446.75 Td (that ) Tj ET Q q 0 0 0 rg BT 327.91 446.75 Td (ensures ) Tj ET Q q 0 0 0 rg BT 367.25 446.75 Td (that ) Tj ET Q q 0 0 0 rg BT 387.68 446.75 Td (depositors ) Tj ET Q q 0 0 0 rg BT 437.58 446.75 Td (receive ) Tj ET Q q 0 0 0 rg BT 473.57 446.75 Td (access ) Tj ET Q q 0 0 0 rg BT 508.45 446.75 Td (to ) Tj ET Q q 0 0 0 rg BT 520.55 446.75 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 434.75 Td (insured ) Tj ET Q q 0 0 0 rg BT 107.69 434.75 Td (deposits ) Tj ET Q q 0 0 0 rg BT 147.83 434.75 Td (within ) Tj ET Q q 0 0 0 rg BT 176.29 434.75 Td (one ) Tj ET Q q 0 0 0 rg BT 195.86 434.75 Td (business ) Tj ET Q q 0 0 0 rg BT 238.22 434.75 Td (day ) Tj ET Q q 0 0 0 rg BT 257.24 434.75 Td (of ) Tj ET Q q 0 0 0 rg BT 268.47 434.75 Td (the ) Tj ET Q q 0 0 0 rg BT 285.26 434.75 Td (institution) Tj ET Q q 0 0 0 rg BT 329.55 434.75 Td (s ) Tj ET Q q 0 0 0 rg BT 337.44 434.75 Td (failure ) Tj ET Q q 0 0 0 rg BT 367.57 434.75 Td (\(two ) Tj ET Q q 0 0 0 rg BT 389.35 434.75 Td (business ) Tj ET Q q 0 0 0 rg BT 431.71 434.75 Td (days ) Tj ET Q q 0 0 0 rg BT 455.73 434.75 Td (if ) Tj ET Q q 0 0 0 rg BT 463.62 434.75 Td (the ) Tj ET Q q 0 0 0 rg BT 480.42 434.75 Td (failure ) Tj ET Q q 0 0 0 rg BT 510.54 434.75 Td (occurs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 422.75 Td (on ) Tj ET Q q 0 0 0 rg BT 85.35 422.75 Td (a ) Tj ET Q q 0 0 0 rg BT 93.13 422.75 Td (day ) Tj ET Q q 0 0 0 rg BT 111.47 422.75 Td (other ) Tj ET Q q 0 0 0 rg BT 136.49 422.75 Td (than ) Tj ET Q q 0 0 0 rg BT 158.17 422.75 Td (Friday\), ) Tj ET Q q 0 0 0 rg BT 194.29 422.75 Td (maximizes ) Tj ET Q q 0 0 0 rg BT 243.74 422.75 Td (the ) Tj ET Q q 0 0 0 rg BT 259.86 422.75 Td (net ) Tj ET Q q 0 0 0 rg BT 275.98 422.75 Td (present ) Tj ET Q q 0 0 0 rg BT 311.56 422.75 Td (value ) Tj ET Q q 0 0 0 rg BT 337.69 422.75 Td (return ) Tj ET Q q 0 0 0 rg BT 366.03 422.75 Td (from ) Tj ET Q q 0 0 0 rg BT 388.26 422.75 Td (the ) Tj ET Q q 0 0 0 rg BT 404.38 422.75 Td (sale ) Tj ET Q q 0 0 0 rg BT 424.95 422.75 Td (or ) Tj ET Q q 0 0 0 rg BT 436.06 422.75 Td (disposition ) Tj ET Q q 0 0 0 rg BT 485.53 422.75 Td (of ) Tj ET Q q 0 0 0 rg BT 496.10 422.75 Td (its ) Tj ET Q q 0 0 0 rg BT 508.32 422.75 Td (assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 410.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.83 410.75 Td (minimizes ) Tj ET Q q 0 0 0 rg BT 139.43 410.75 Td (the ) Tj ET Q q 0 0 0 rg BT 156.48 410.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 192.98 410.75 Td (of ) Tj ET Q q 0 0 0 rg BT 204.47 410.75 Td (any ) Tj ET Q q 0 0 0 rg BT 223.74 410.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 244.67 410.75 Td (to ) Tj ET Q q 0 0 0 rg BT 256.16 410.75 Td (be ) Tj ET Q q 0 0 0 rg BT 270.43 410.75 Td (realized ) Tj ET Q q 0 0 0 rg BT 308.60 410.75 Td (by ) Tj ET Q q 0 0 0 rg BT 322.31 410.75 Td (the ) Tj ET Q q 0 0 0 rg BT 339.36 410.75 Td (institution) Tj ET Q q 0 0 0 rg BT 383.65 410.75 Td (s ) Tj ET Q q 0 0 0 rg BT 391.80 410.75 Td (creditors. ) Tj ET Q q 0 0 0 rg BT 435.86 410.75 Td (The ) Tj ET Q q 0 0 0 rg BT 456.24 410.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 472.17 410.75 Td (RP) Tj ET Q q 0 0 0 rg BT 485.88 410.75 Td ( ) Tj ET Q q 0 0 0 rg BT 489.03 410.75 Td (should ) Tj ET Q q 0 0 0 rg BT 521.65 410.75 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 398.75 Td (describe ) Tj ET Q q 0 0 0 rg BT 113.21 398.75 Td (how ) Tj ET Q q 0 0 0 rg BT 134.97 398.75 Td (the ) Tj ET Q q 0 0 0 rg BT 152.29 398.75 Td (strategies ) Tj ET Q q 0 0 0 rg BT 199.06 398.75 Td (for ) Tj ET Q q 0 0 0 rg BT 214.14 398.75 Td (the ) Tj ET Q q 0 0 0 rg BT 231.46 398.75 Td (separation ) Tj ET Q q 0 0 0 rg BT 281.57 398.75 Td (of ) Tj ET Q q 0 0 0 rg BT 293.33 398.75 Td (the ) Tj ET Q q 0 0 0 rg BT 310.64 398.75 Td (CIDI ) Tj ET Q q 0 0 0 rg BT 334.06 398.75 Td (and ) Tj ET Q q 0 0 0 rg BT 354.15 398.75 Td (its ) Tj ET Q q 0 0 0 rg BT 367.57 398.75 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 423.79 398.75 Td (from ) Tj ET Q q 0 0 0 rg BT 447.20 398.75 Td (its ) Tj ET Q q 0 0 0 rg BT 460.62 398.75 Td (parent ) Tj ET Q q 0 0 0 rg BT 492.38 398.75 Td (company) Tj ET Q q 0 0 0 rg BT 535.00 398.75 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 386.75 Td (organization ) Tj ET Q q 0 0 0 rg BT 129.50 386.75 Td (and ) Tj ET Q q 0 0 0 rg BT 149.21 386.75 Td (the ) Tj ET Q q 0 0 0 rg BT 166.13 386.75 Td (sale ) Tj ET Q q 0 0 0 rg BT 187.49 386.75 Td (or ) Tj ET Q q 0 0 0 rg BT 199.40 386.75 Td (disposition ) Tj ET Q q 0 0 0 rg BT 249.68 386.75 Td (of ) Tj ET Q q 0 0 0 rg BT 261.04 386.75 Td (its ) Tj ET Q q 0 0 0 rg BT 274.06 386.75 Td (deposit ) Tj ET Q q 0 0 0 rg BT 309.32 386.75 Td (franchise, ) Tj ET Q q 0 0 0 rg BT 355.70 386.75 Td (core ) Tj ET Q q 0 0 0 rg BT 378.17 386.75 Td (business ) Tj ET Q q 0 0 0 rg BT 420.66 386.75 Td (lines ) Tj ET Q q 0 0 0 rg BT 444.24 386.75 Td (and ) Tj ET Q q 0 0 0 rg BT 463.95 386.75 Td (major ) Tj ET Q q 0 0 0 rg BT 491.97 386.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 523.89 386.75 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 374.75 Td (be ) Tj ET Q q 0 0 0 rg BT 85.93 374.75 Td (demonstrated ) Tj ET Q q 0 0 0 rg BT 149.89 374.75 Td (to ) Tj ET Q q 0 0 0 rg BT 161.04 374.75 Td (be ) Tj ET Q q 0 0 0 rg BT 174.97 374.75 Td (the ) Tj ET Q q 0 0 0 rg BT 191.68 374.75 Td (least ) Tj ET Q q 0 0 0 rg BT 215.62 374.75 Td (costly ) Tj ET Q q 0 0 0 rg BT 243.99 374.75 Td (to ) Tj ET Q q 0 0 0 rg BT 255.14 374.75 Td (the ) Tj ET Q q 0 0 0 rg BT 271.85 374.75 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 308.56 374.75 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 355.29 374.75 Td (Fund ) Tj ET Q q 0 0 0 rg BT 380.89 374.75 Td (of ) Tj ET Q q 0 0 0 rg BT 392.04 374.75 Td (all ) Tj ET Q q 0 0 0 rg BT 404.85 374.75 Td (possible ) Tj ET Q q 0 0 0 rg BT 444.35 374.75 Td (methods ) Tj ET Q q 0 0 0 rg BT 485.52 374.75 Td (for ) Tj ET Q q 0 0 0 rg BT 500.00 374.75 Td (resolving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 362.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.92 362.75 Td (CIDI. ) Tj ET Q q 0 0 0 rg BT 114.52 362.75 Td (The ) Tj ET Q q 0 0 0 rg BT 134.76 362.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 150.56 362.75 Td (RP) Tj ET Q q 0 0 0 rg BT 164.27 362.75 Td ( ) Tj ET Q q 0 0 0 rg BT 167.28 362.75 Td (submitted ) Tj ET Q q 0 0 0 rg BT 213.65 362.75 Td (by ) Tj ET Q q 0 0 0 rg BT 227.23 362.75 Td (each ) Tj ET Q q 0 0 0 rg BT 251.93 362.75 Td (CIDI ) Tj ET Q q 0 0 0 rg BT 274.95 362.75 Td (is ) Tj ET Q q 0 0 0 rg BT 285.18 362.75 Td (intended ) Tj ET Q q 0 0 0 rg BT 326.57 362.75 Td (to ) Tj ET Q q 0 0 0 rg BT 337.92 362.75 Td (help ) Tj ET Q q 0 0 0 rg BT 359.85 362.75 Td (the ) Tj ET Q q 0 0 0 rg BT 376.76 362.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 403.11 362.75 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 443.93 362.75 Td (potential ) Tj ET Q q 0 0 0 rg BT 484.75 362.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 505.55 362.75 Td (severity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 350.75 Td (and ) Tj ET Q q 0 0 0 rg BT 90.81 350.75 Td (to ) Tj ET Q q 0 0 0 rg BT 101.28 350.75 Td (enable ) Tj ET Q q 0 0 0 rg BT 133.44 350.75 Td (the ) Tj ET Q q 0 0 0 rg BT 149.47 350.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 174.93 350.75 Td (to ) Tj ET Q q 0 0 0 rg BT 185.40 350.75 Td (perform ) Tj ET Q q 0 0 0 rg BT 221.98 350.75 Td (its ) Tj ET Q q 0 0 0 rg BT 234.11 350.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 279.59 350.75 Td (functions ) Tj ET Q q 0 0 0 rg BT 321.75 350.75 Td (most ) Tj ET Q q 0 0 0 rg BT 345.54 350.75 Td (ef) Tj ET Q q 0 0 0 rg BT 353.70 350.75 Td (ficiently) Tj ET Q q 0 0 0 rg BT 386.31 350.75 Td (. ) Tj ET Q q 0 0 0 rg BT 391.21 350.75 Td (Each ) Tj ET Q q 0 0 0 rg BT 416.13 350.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 431.04 350.75 Td (RP) Tj ET Q q 0 0 0 rg BT 444.75 350.75 Td ( ) Tj ET Q q 0 0 0 rg BT 446.88 350.75 Td (is ) Tj ET Q q 0 0 0 rg BT 456.23 350.75 Td (intended ) Tj ET Q q 0 0 0 rg BT 496.73 350.75 Td (to ) Tj ET Q q 0 0 0 rg BT 507.20 350.75 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 338.75 Td (the ) Tj ET Q q 0 0 0 rg BT 89.56 338.75 Td (౦Ϸ ) Tj ET Q q 0 0 0 rg BT 116.55 338.75 Td (with ) Tj ET Q q 0 0 0 rg BT 137.99 338.75 Td (a ) Tj ET Q q 0 0 0 rg BT 147.21 338.75 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 218.67 338.75 Td (understanding ) Tj ET Q q 0 0 0 rg BT 285.72 338.75 Td (of ) Tj ET Q q 0 0 0 rg BT 297.71 338.75 Td (the ) Tj ET Q q 0 0 0 rg BT 315.27 338.75 Td (structure, ) Tj ET Q q 0 0 0 rg BT 360.61 338.75 Td (operations, ) Tj ET Q q 0 0 0 rg BT 413.74 338.75 Td (business ) Tj ET Q q 0 0 0 rg BT 456.87 338.75 Td (practices, ) Tj ET Q q 0 0 0 rg BT 503.32 338.75 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 326.75 Td (responsibilities, ) Tj ET Q q 0 0 0 rg BT 143.14 326.75 Td (and ) Tj ET Q q 0 0 0 rg BT 162.61 326.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 180.94 326.75 Td (exposures ) Tj ET Q q 0 0 0 rg BT 229.85 326.75 Td (of ) Tj ET Q q 0 0 0 rg BT 240.97 326.75 Td (the ) Tj ET Q q 0 0 0 rg BT 257.65 326.75 Td (CIDI. ) Tj ET Q q 0 0 0 rg BT 283.21 326.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 304.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.42 304.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.72 304.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 152.16 304.75 Td (has ) Tj ET Q q 0 0 0 rg BT 170.92 304.75 Td (a ) Tj ET Q q 0 0 0 rg BT 179.12 304.75 Td (large ) Tj ET Q q 0 0 0 rg BT 204.00 304.75 Td (presence ) Tj ET Q q 0 0 0 rg BT 247.78 304.75 Td (in ) Tj ET Q q 0 0 0 rg BT 258.20 304.75 Td (the ) Tj ET Q q 0 0 0 rg BT 274.74 304.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 296.83 304.75 Td (Midwest ) Tj ET Q q 0 0 0 rg BT 336.14 304.75 Td (region, ) Tj ET Q q 0 0 0 rg BT 369.36 304.75 Td (serving ) Tj ET Q q 0 0 0 rg BT 404.24 304.75 Td (personal, ) Tj ET Q q 0 0 0 rg BT 448.01 304.75 Td (commercial ) Tj ET Q q 0 0 0 rg BT 501.77 304.75 Td (and ) Tj ET Q q 0 0 0 rg BT 521.10 304.75 Td (high ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 292.75 Td (net ) Tj ET Q q 0 0 0 rg BT 90.44 292.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 119.43 292.75 Td (customers. ) Tj ET Q q 0 0 0 rg BT 172.87 292.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 200.18 292.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 231.39 292.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 258.72 292.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 301.05 292.75 Td (banking, ) Tj ET Q q 0 0 0 rg BT 343.40 292.75 Td (financing, ) Tj ET Q q 0 0 0 rg BT 390.74 292.75 Td (investing ) Tj ET Q q 0 0 0 rg BT 434.75 292.75 Td (and ) Tj ET Q q 0 0 0 rg BT 455.97 292.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 481.63 292.75 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 280.75 Td (services ) Tj ET Q q 0 0 0 rg BT 111.45 280.75 Td (as ) Tj ET Q q 0 0 0 rg BT 124.79 280.75 Td (well ) Tj ET Q q 0 0 0 rg BT 144.80 280.75 Td (as ) Tj ET Q q 0 0 0 rg BT 158.14 280.75 Td (a ) Tj ET Q q 0 0 0 rg BT 166.48 280.75 Td (full ) Tj ET Q q 0 0 0 rg BT 182.04 280.75 Td (suite ) Tj ET Q q 0 0 0 rg BT 205.94 280.75 Td (of ) Tj ET Q q 0 0 0 rg BT 217.06 280.75 Td (commercial ) Tj ET Q q 0 0 0 rg BT 270.96 280.75 Td (and ) Tj ET Q q 0 0 0 rg BT 290.42 280.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 329.89 280.75 Td (advisory ) Tj ET Q q 0 0 0 rg BT 369.90 280.75 Td (services. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 258.75 Td (1.2.2 ) Tj ET Q q 0 0 0 rg BT 97.02 258.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 258.75 Td (Material ) Tj ET Q q 0 0 0 rg BT 140.37 258.75 Td (Entities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 176.49 258.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 236.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.01 236.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 107.57 236.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 130.92 236.75 Td (defines ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 165.94 236.75 Td (Material ) Tj ET Q q 0 0 0 rg BT 204.29 236.75 Td (Entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.08 236.75 Td (as ) Tj ET Q q 0 0 0 rg BT 245.42 236.75 Td (a ) Tj ET Q q 0 0 0 rg BT 257.09 236.75 Td (company ) Tj ET Q q 0 0 0 rg BT 300.45 236.75 Td (that ) Tj ET Q q 0 0 0 rg BT 319.91 236.75 Td (is ) Tj ET Q q 0 0 0 rg BT 329.91 236.75 Td (significant ) Tj ET Q q 0 0 0 rg BT 377.15 236.75 Td (to ) Tj ET Q q 0 0 0 rg BT 388.27 236.75 Td (the ) Tj ET Q q 0 0 0 rg BT 404.96 236.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 446.08 236.75 Td (of ) Tj ET Q q 0 0 0 rg BT 457.20 236.75 Td (a ) Tj ET Q q 0 0 0 rg BT 465.54 236.75 Td (critical ) Tj ET Q q 0 0 0 rg BT 496.66 236.75 Td (service ) Tj ET Q q 0 0 0 rg BT 531.11 236.75 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 224.75 Td (core ) Tj ET Q q 0 0 0 rg BT 95.16 224.75 Td (business ) Tj ET Q q 0 0 0 rg BT 138.33 224.75 Td (line. ) Tj ET Q q 0 0 0 rg BT 160.38 224.75 Td (For ) Tj ET Q q 0 0 0 rg BT 179.09 224.75 Td (example, ) Tj ET Q q 0 0 0 rg BT 223.37 224.75 Td (the ) Tj ET Q q 0 0 0 rg BT 240.97 224.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 265.81 224.75 Td (entity ) Tj ET Q q 0 0 0 rg BT 293.41 224.75 Td (utilized ) Tj ET Q q 0 0 0 rg BT 328.25 224.75 Td (by ) Tj ET Q q 0 0 0 rg BT 342.51 224.75 Td (the ) Tj ET Q q 0 0 0 rg BT 360.12 224.75 Td (CIDI ) Tj ET Q q 0 0 0 rg BT 383.82 224.75 Td (as ) Tj ET Q q 0 0 0 rg BT 398.09 224.75 Td (the ) Tj ET Q q 0 0 0 rg BT 415.70 224.75 Td (contracting ) Tj ET Q q 0 0 0 rg BT 468.32 224.75 Td (entity ) Tj ET Q q 0 0 0 rg BT 495.92 224.75 Td (for ) Tj ET Q q 0 0 0 rg BT 511.30 224.75 Td (a ) Tj ET Q q 0 0 0 rg BT 520.57 224.75 Td (core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 212.75 Td (business ) Tj ET Q q 0 0 0 rg BT 114.65 212.75 Td (line ) Tj ET Q q 0 0 0 rg BT 133.40 212.75 Td (\(CBL\) ) Tj ET Q q 0 0 0 rg BT 162.70 212.75 Td (would ) Tj ET Q q 0 0 0 rg BT 192.02 212.75 Td (be ) Tj ET Q q 0 0 0 rg BT 206.32 212.75 Td (a ) Tj ET Q q 0 0 0 rg BT 215.07 212.75 Td (material ) Tj ET Q q 0 0 0 rg BT 253.82 212.75 Td (entity ) Tj ET Q q 0 0 0 rg BT 280.91 212.75 Td (\(ME\). ) Tj ET Q q 0 0 0 rg BT 307.90 212.75 Td (Also, ) Tj ET Q q 0 0 0 rg BT 333.32 212.75 Td (a ) Tj ET Q q 0 0 0 rg BT 342.06 212.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 390.27 212.75 Td (of ) Tj ET Q q 0 0 0 rg BT 401.79 212.75 Td (the ) Tj ET Q q 0 0 0 rg BT 418.88 212.75 Td (CIDI ) Tj ET Q q 0 0 0 rg BT 442.06 212.75 Td (that ) Tj ET Q q 0 0 0 rg BT 461.93 212.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 502.91 212.75 Td (a ) Tj ET Q q 0 0 0 rg BT 511.66 212.75 Td (critical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 200.75 Td (service ) Tj ET Q q 0 0 0 rg BT 106.45 200.75 Td (would ) Tj ET Q q 0 0 0 rg BT 135.36 200.75 Td (be ) Tj ET Q q 0 0 0 rg BT 149.26 200.75 Td (a ) Tj ET Q q 0 0 0 rg BT 157.60 200.75 Td (ME.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 178.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.85 178.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 107.24 178.75 Td (RP) Tj ET Q q 0 0 0 rg BT 120.95 178.75 Td ( ) Tj ET Q q 0 0 0 rg BT 123.56 178.75 Td (identifies ) Tj ET Q q 0 0 0 rg BT 165.65 178.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 198.27 178.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 223.67 178.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 252.95 178.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 278.35 178.75 Td (af) Tj ET Q q 0 0 0 rg BT 286.51 178.75 Td (filiates ) Tj ET Q q 0 0 0 rg BT 317.47 178.75 Td (as ) Tj ET Q q 0 0 0 rg BT 330.65 178.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 353.26 178.75 Td (for ) Tj ET Q q 0 0 0 rg BT 367.55 178.75 Td (the ) Tj ET Q q 0 0 0 rg BT 384.06 178.75 Td (purpose ) Tj ET Q q 0 0 0 rg BT 422.81 178.75 Td (of ) Tj ET Q q 0 0 0 rg BT 433.77 178.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 479.74 178.75 Td (planning. ) Tj ET Q q 0 0 0 rg BT 522.78 178.75 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 166.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 123.07 166.75 Td (Plan ) Tj ET Q q 0 0 0 rg BT 146.90 166.75 Td (includes ) Tj ET Q q 0 0 0 rg BT 187.41 166.75 Td (an ) Tj ET Q q 0 0 0 rg BT 202.35 166.75 Td (analysis ) Tj ET Q q 0 0 0 rg BT 242.29 166.75 Td (of ) Tj ET Q q 0 0 0 rg BT 254.45 166.75 Td (each ) Tj ET Q q 0 0 0 rg BT 279.95 166.75 Td (ME ) Tj ET Q q 0 0 0 rg BT 298.77 166.75 Td (and ) Tj ET Q q 0 0 0 rg BT 319.27 166.75 Td (the ) Tj ET Q q 0 0 0 rg BT 336.99 166.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 384.17 166.75 Td (regime ) Tj ET Q q 0 0 0 rg BT 418.55 166.75 Td (and ) Tj ET Q q 0 0 0 rg BT 439.05 166.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 478.44 166.75 Td (that ) Tj ET Q q 0 0 0 rg BT 498.94 166.75 Td (would ) Tj ET Q q 0 0 0 rg BT 528.88 166.75 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 154.75 Td (applicable ) Tj ET Q q 0 0 0 rg BT 119.81 154.75 Td (to ) Tj ET Q q 0 0 0 rg BT 130.93 154.75 Td (each ) Tj ET Q q 0 0 0 rg BT 155.39 154.75 Td (ME. ) Tj ET Q q 0 0 0 rg BT 175.77 154.75 Td (The ) Tj ET Q q 0 0 0 rg BT 195.78 154.75 Td (MEs ) Tj ET Q q 0 0 0 rg BT 218.56 154.75 Td (in ) Tj ET Q q 0 0 0 rg BT 229.12 154.75 Td (the ) Tj ET Q q 0 0 0 rg BT 245.80 154.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 261.36 154.75 Td (RP) Tj ET Q q 0 0 0 rg BT 275.07 154.75 Td ( ) Tj ET Q q 0 0 0 rg BT 277.84 154.75 Td (are ) Tj ET Q q 0 0 0 rg BT 295.08 154.75 Td (the ) Tj ET Q q 0 0 0 rg BT 311.76 154.75 Td (following ) Tj ET Q q 0 0 0 rg BT 353.45 154.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 377.35 154.75 Td (entities:) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 131.16552734375 m 170.33984375 131.16552734375 l s q 0 0 0 rg BT 72.00 132.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.11 132.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 144.23 132.75 Td (Corp.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 117.75 Td (BFC, ) Tj ET Q q 0 0 0 rg BT 98.51 117.75 Td (a ) Tj ET Q q 0 0 0 rg BT 107.80 117.75 Td (Delaware ) Tj ET Q q 0 0 0 rg BT 153.77 117.75 Td (corporation, ) Tj ET Q q 0 0 0 rg BT 210.31 117.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 235.73 117.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 271.71 117.75 Td (company ) Tj ET Q q 0 0 0 rg BT 316.01 117.75 Td (and ) Tj ET Q q 0 0 0 rg BT 336.43 117.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 376.85 117.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 412.83 117.75 Td (company) Tj ET Q q 0 0 0 rg BT 452.66 117.75 Td (, ) Tj ET Q q 0 0 0 rg BT 459.17 117.75 Td (is ) Tj ET Q q 0 0 0 rg BT 470.13 117.75 Td (a ) Tj ET Q q 0 0 0 rg BT 479.42 117.75 Td (wholly-owned ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 105.75 Td (direct ) Tj ET Q q 0 0 0 rg BT 100.04 105.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 148.65 105.75 Td (of ) Tj ET Q q 0 0 0 rg BT 160.58 105.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 186.95 105.75 Td (and ) Tj ET Q q 0 0 0 rg BT 207.23 105.75 Td (is ) Tj ET Q q 0 0 0 rg BT 218.04 105.75 Td (the ) Tj ET Q q 0 0 0 rg BT 235.53 105.75 Td (top-tier) Tj ET Q q 0 0 0 rg BT 266.11 105.75 Td (, ) Tj ET Q q 0 0 0 rg BT 272.47 105.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 295.51 105.75 Td (holding ) Tj ET Q q 0 0 0 rg BT 331.36 105.75 Td (company ) Tj ET Q q 0 0 0 rg BT 375.52 105.75 Td (for ) Tj ET Q q 0 0 0 rg BT 390.78 105.75 Td (most ) Tj ET Q q 0 0 0 rg BT 416.04 105.75 Td (of ) Tj ET Q q 0 0 0 rg BT 427.97 105.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 452.79 105.75 Td (s ) Tj ET Q q 0 0 0 rg BT 461.38 105.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 484.42 105.75 Td (subsidiaries, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 93.75 Td (including ) Tj ET Q q 0 0 0 rg BT 114.25 93.75 Td (its ) Tj ET Q q 0 0 0 rg BT 127.03 93.75 Td (two ) Tj ET Q q 0 0 0 rg BT 145.37 93.75 Td (IDIs: ) Tj ET Q q 0 0 0 rg BT 168.70 93.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 194.26 93.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 223.70 93.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 249.28 93.75 Td (and ) Tj ET Q q 0 0 0 rg BT 268.74 93.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 294.29 93.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 323.74 93.75 Td (Central.) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p19 ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 711.16552734375 m 187.0244140625 711.16552734375 l s q 0 0 0 rg BT 72.00 712.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.11 712.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 129.79 712.75 Td (Central ) Tj ET Q q 0 0 0 rg BT 167.02 712.75 Td (N.A.) 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Q q 0 0 0 rg BT 380.76 443.75 Td (It ) Tj ET Q q 0 0 0 rg BT 388.12 443.75 Td (is ) Tj ET Q q 0 0 0 rg BT 397.14 443.75 Td (a ) Tj ET Q q 0 0 0 rg BT 404.50 443.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 427.43 443.75 Td (and ) Tj ET Q q 0 0 0 rg BT 445.91 443.75 Td (operational ) Tj ET Q q 0 0 0 rg BT 497.19 443.75 Td (extension ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 431.75 Td (of ) Tj ET Q q 0 0 0 rg BT 82.75 431.75 Td (BMO, ) Tj ET Q q 0 0 0 rg BT 110.71 431.75 Td (and ) Tj ET Q q 0 0 0 rg BT 129.80 431.75 Td (thus, ) Tj ET Q q 0 0 0 rg BT 153.88 431.75 Td (is ) Tj ET Q q 0 0 0 rg BT 163.51 431.75 Td (not ) Tj ET Q q 0 0 0 rg BT 179.82 431.75 Td (a ) Tj ET Q q 0 0 0 rg BT 187.78 431.75 Td (separate ) Tj ET Q q 0 0 0 rg BT 229.10 431.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 252.64 431.75 Td (entity) Tj ET Q q 0 0 0 rg BT 275.80 431.75 Td (. ) Tj ET Q q 0 0 0 rg BT 280.98 431.75 Td ( ) Tj ET Q q 0 0 0 rg BT 283.23 431.75 Td (The ) Tj ET Q q 0 0 0 rg BT 302.87 431.75 Td (purpose ) Tj ET Q q 0 0 0 rg BT 341.41 431.75 Td (of ) Tj ET Q q 0 0 0 rg BT 352.15 431.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 377.34 431.75 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 416.43 431.75 Td (Branch ) Tj ET Q q 0 0 0 rg BT 450.52 431.75 Td (is ) Tj ET Q q 0 0 0 rg BT 460.15 431.75 Td (to ) Tj ET Q q 0 0 0 rg BT 470.89 431.75 Td (support ) Tj ET Q q 0 0 0 rg BT 506.65 431.75 Td (specific ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 419.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.97 419.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 137.50 419.75 Td (within ) Tj ET Q q 0 0 0 rg BT 165.25 419.75 Td (the ) Tj ET Q q 0 0 0 rg BT 181.34 419.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 205.76 419.75 Td (including ) Tj ET Q q 0 0 0 rg BT 247.42 419.75 Td (optimal ) Tj ET Q q 0 0 0 rg BT 281.84 419.75 Td (use ) Tj ET Q q 0 0 0 rg BT 300.15 419.75 Td (of ) Tj ET Q q 0 0 0 rg BT 310.68 419.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 341.78 419.75 Td (and ) Tj ET Q q 0 0 0 rg BT 360.65 419.75 Td (control ) Tj ET Q q 0 0 0 rg BT 392.85 419.75 Td (of ) Tj ET Q q 0 0 0 rg BT 403.38 419.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 421.12 419.75 Td (and ) Tj ET Q q 0 0 0 rg BT 439.99 419.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 486.65 419.75 Td (compliance. ) Tj ET Q q 0 0 0 rg BT 542.78 419.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 407.75 Td (It ) Tj ET Q q 0 0 0 rg BT 81.01 407.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 122.26 407.75 Td (a ) Tj ET Q q 0 0 0 rg BT 131.28 407.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 154.18 407.75 Td (platform ) Tj ET Q q 0 0 0 rg BT 193.76 407.75 Td (for ) Tj ET Q q 0 0 0 rg BT 208.88 407.75 Td (facilitating ) Tj ET Q q 0 0 0 rg BT 256.80 407.75 Td (intercompany ) Tj ET Q q 0 0 0 rg BT 320.29 407.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 356.55 407.75 Td (between ) Tj ET Q q 0 0 0 rg BT 397.81 407.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 422.39 407.75 Td (entities ) Tj ET Q q 0 0 0 rg BT 457.53 407.75 Td (within ) Tj ET Q q 0 0 0 rg BT 486.55 407.75 Td (BMOFG, ) Tj ET Q q 0 0 0 rg BT 529.45 407.75 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 395.75 Td (well ) Tj ET Q q 0 0 0 rg BT 92.32 395.75 Td (as ) Tj ET Q q 0 0 0 rg BT 105.97 395.75 Td (supplementing ) Tj ET Q q 0 0 0 rg BT 174.10 395.75 Td (the ) Tj ET Q q 0 0 0 rg BT 191.09 395.75 Td (resources ) Tj ET Q q 0 0 0 rg BT 238.08 395.75 Td (of ) Tj ET Q q 0 0 0 rg BT 249.51 395.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 273.16 395.75 Td (and ) Tj ET Q q 0 0 0 rg BT 292.94 395.75 Td (other ) Tj ET Q q 0 0 0 rg BT 318.82 395.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 341.36 395.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 365.57 395.75 Td (entities ) Tj ET Q q 0 0 0 rg BT 400.35 395.75 Td (for ) Tj ET Q q 0 0 0 rg BT 415.10 395.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 451.54 395.75 Td (trading, ) Tj ET Q q 0 0 0 rg BT 487.98 395.75 Td (lending ) Tj ET Q q 0 0 0 rg BT 523.32 395.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 383.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 123.13 383.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 160.94 383.75 Td (activities.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 360.16552734375 m 197.01953125 360.16552734375 l s q 0 0 0 rg BT 72.00 361.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.11 361.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 129.79 361.75 Td (Financing ) Tj ET Q q 0 0 0 rg BT 179.79 361.75 Td (Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 346.75 Td (BHFI ) Tj ET Q q 0 0 0 rg BT 97.56 346.75 Td (is ) Tj ET Q q 0 0 0 rg BT 107.56 346.75 Td (a ) Tj ET Q q 0 0 0 rg BT 115.90 346.75 Td (direct ) Tj ET Q q 0 0 0 rg BT 143.13 346.75 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 190.93 346.75 Td (of ) Tj ET Q q 0 0 0 rg BT 202.04 346.75 Td (BFC. ) Tj ET Q q 0 0 0 rg BT 227.60 346.75 Td ( ) Tj ET Q q 0 0 0 rg BT 230.38 346.75 Td (BHFI ) Tj ET Q q 0 0 0 rg BT 255.94 346.75 Td (books ) Tj ET Q q 0 0 0 rg BT 285.40 346.75 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 341.52 346.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 380.43 346.75 Td (and ) Tj ET Q q 0 0 0 rg BT 399.90 346.75 Td (I&CB ) Tj ET Q q 0 0 0 rg BT 426.01 346.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 448.24 346.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 493.26 346.75 Td (loans. ) Tj ET Q q 0 0 0 rg BT 522.73 346.75 Td ( ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I18 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 324.75 Td (1.2.3 ) Tj ET Q q 0 0 0 rg BT 97.02 324.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 324.75 Td (Core ) Tj ET Q q 0 0 0 rg BT 125.36 324.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 172.60 324.75 Td (Lines) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 198.72 324.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 302.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.79 302.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 111.12 302.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 136.24 302.75 Td (defines ) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 173.04 302.75 Td (Core ) Tj ET Q q 0 0 0 rg BT 199.28 302.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 244.41 302.75 Td (Lines ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.87 302.75 Td (as ) Tj ET Q q 0 0 0 rg BT 287.99 302.75 Td (those ) Tj ET Q q 0 0 0 rg BT 320.33 302.75 Td (business ) Tj ET Q q 0 0 0 rg BT 364.36 302.75 Td (lines ) Tj ET Q q 0 0 0 rg BT 389.48 302.75 Td (of ) Tj ET Q q 0 0 0 rg BT 402.38 302.75 Td (the ) Tj ET Q q 0 0 0 rg BT 420.83 302.75 Td (CIDI, ) Tj ET Q q 0 0 0 rg BT 448.17 302.75 Td (including ) Tj ET Q q 0 0 0 rg BT 492.20 302.75 Td (associated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 290.75 Td (operations, ) Tj ET Q q 0 0 0 rg BT 123.20 290.75 Td (services, ) Tj ET Q q 0 0 0 rg BT 164.38 290.75 Td (functions ) Tj ET Q q 0 0 0 rg BT 206.14 290.75 Td (and ) Tj ET Q q 0 0 0 rg BT 224.55 290.75 Td (support, ) Tj ET Q q 0 0 0 rg BT 262.41 290.75 Td (that, ) Tj ET Q q 0 0 0 rg BT 283.59 290.75 Td (in ) Tj ET Q q 0 0 0 rg BT 293.10 290.75 Td (the ) Tj ET Q q 0 0 0 rg BT 308.73 290.75 Td (view ) Tj ET Q q 0 0 0 rg BT 330.46 290.75 Td (of ) Tj ET Q q 0 0 0 rg BT 340.53 290.75 Td (the ) Tj ET Q q 0 0 0 rg BT 356.16 290.75 Td (CIDI, ) Tj ET Q q 0 0 0 rg BT 380.66 290.75 Td (upon ) Tj ET Q q 0 0 0 rg BT 404.64 290.75 Td (failure ) Tj ET Q q 0 0 0 rg BT 433.60 290.75 Td (would ) Tj ET Q q 0 0 0 rg BT 461.46 290.75 Td (result ) Tj ET Q q 0 0 0 rg BT 487.64 290.75 Td (in ) Tj ET Q q 0 0 0 rg BT 497.15 290.75 Td (a ) Tj ET Q q 0 0 0 rg BT 504.43 290.75 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 278.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 92.56 278.75 Td (of ) Tj ET Q q 0 0 0 rg BT 103.68 278.75 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 145.37 278.75 Td (profit, ) Tj ET Q q 0 0 0 rg BT 173.16 278.75 Td (or ) Tj ET Q q 0 0 0 rg BT 184.83 278.75 Td (franchise ) Tj ET Q q 0 0 0 rg BT 228.19 278.75 Td (value. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 256.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.56 256.75 Td (has ) Tj ET Q q 0 0 0 rg BT 116.46 256.75 Td (identified ) Tj ET Q q 0 0 0 rg BT 159.27 256.75 Td (three ) Tj ET Q q 0 0 0 rg BT 184.84 256.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 212.07 256.75 Td (based ) Tj ET Q q 0 0 0 rg BT 242.09 256.75 Td (on ) Tj ET Q q 0 0 0 rg BT 255.99 256.75 Td (the ) Tj ET Q q 0 0 0 rg BT 272.67 256.75 Td (criteria ) Tj ET Q q 0 0 0 rg BT 305.46 256.75 Td (of ) Tj ET Q q 0 0 0 rg BT 316.58 256.75 Td (the ) Tj ET Q q 0 0 0 rg BT 333.25 256.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 348.81 256.75 Td (Rule ) Tj ET Q q 0 0 0 rg BT 372.16 256.75 Td (that ) Tj ET Q q 0 0 0 rg BT 391.61 256.75 Td (fall ) Tj ET Q q 0 0 0 rg BT 407.18 256.75 Td (within ) Tj ET Q q 0 0 0 rg BT 435.52 256.75 Td (two ) Tj ET Q q 0 0 0 rg BT 453.86 256.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 498.34 256.75 Td (groups. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 234.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 94.13 234.75 Td (P&C. ) Tj ET Q q 0 0 0 rg BT 120.14 234.75 Td (is ) Tj ET Q q 0 0 0 rg BT 130.04 234.75 Td (a ) Tj ET Q q 0 0 0 rg BT 138.28 234.75 Td (multi-channel ) Tj ET Q q 0 0 0 rg BT 200.43 234.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 244.81 234.75 Td (group ) Tj ET Q q 0 0 0 rg BT 273.06 234.75 Td (that ) Tj ET Q q 0 0 0 rg BT 292.42 234.75 Td (of) Tj ET Q q 0 0 0 rg BT 300.58 234.75 Td (fers ) Tj ET Q q 0 0 0 rg BT 319.93 234.75 Td (a ) Tj ET Q q 0 0 0 rg BT 328.17 234.75 Td (full ) Tj ET Q q 0 0 0 rg BT 343.63 234.75 Td (range ) Tj ET Q q 0 0 0 rg BT 371.88 234.75 Td (of ) Tj ET Q q 0 0 0 rg BT 382.90 234.75 Td (client ) Tj ET Q q 0 0 0 rg BT 408.92 234.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 446.63 234.75 Td (solutions. ) Tj ET Q q 0 0 0 rg BT 491.55 234.75 Td ( ) Tj ET Q q 0 0 0 rg BT 494.06 234.75 Td (T) Tj ET Q q 0 0 0 rg BT 499.61 234.75 Td (wo ) Tj ET Q q 0 0 0 rg BT 515.07 234.75 Td (of ) Tj ET Q q 0 0 0 rg BT 526.09 234.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 222.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 99.23 222.75 Td (reside ) Tj ET Q q 0 0 0 rg BT 129.25 222.75 Td (within ) Tj ET Q q 0 0 0 rg BT 157.59 222.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 179.82 222.75 Td (P&C. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 200.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 200.75 Td (Personal ) Tj ET Q q 0 0 0 rg BT 150.06 200.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 188.79 200.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 220.83 200.75 Td (retail ) Tj ET Q q 0 0 0 rg BT 245.09 200.75 Td (and ) Tj ET Q q 0 0 0 rg BT 264.37 200.75 Td (small ) Tj ET Q q 0 0 0 rg BT 290.29 200.75 Td (to ) Tj ET Q q 0 0 0 rg BT 301.22 200.75 Td (mid-sized ) Tj ET Q q 0 0 0 rg BT 346.60 200.75 Td (business ) Tj ET Q q 0 0 0 rg BT 388.66 200.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 426.28 200.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 474.99 200.75 Td (with ) Tj ET Q q 0 0 0 rg BT 495.36 200.75 Td (a ) Tj ET Q q 0 0 0 rg BT 503.51 200.75 Td (full ) Tj ET Q q 0 0 0 rg BT 518.89 200.75 Td (suite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 188.75 Td (of ) Tj ET Q q 0 0 0 rg BT 119.12 188.75 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 156.92 188.75 Td (lending, ) Tj ET Q q 0 0 0 rg BT 194.73 188.75 Td (and ) Tj ET Q q 0 0 0 rg BT 214.19 188.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 241.42 188.75 Td (card ) Tj ET Q q 0 0 0 rg BT 263.65 188.75 Td (products. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 173.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 173.75 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 165.94 173.75 Td (Banking ) Tj ET Q q 0 0 0 rg BT 206.67 173.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 240.72 173.75 Td (larger ) Tj ET Q q 0 0 0 rg BT 270.88 173.75 Td (business ) Tj ET Q q 0 0 0 rg BT 314.95 173.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 347.89 173.75 Td (with ) Tj ET Q q 0 0 0 rg BT 370.27 173.75 Td (more ) Tj ET Q q 0 0 0 rg BT 397.65 173.75 Td (complex ) Tj ET Q q 0 0 0 rg BT 439.48 173.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 479.11 173.75 Td (needs. ) Tj ET Q q 0 0 0 rg BT 513.73 173.75 Td ( ) Tj ET Q q 0 0 0 rg BT 518.33 173.75 Td (Core ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 161.75 Td (products ) Tj ET Q q 0 0 0 rg BT 152.81 161.75 Td (and ) Tj ET Q q 0 0 0 rg BT 175.95 161.75 Td (services ) Tj ET Q q 0 0 0 rg BT 219.08 161.75 Td (include ) Tj ET Q q 0 0 0 rg BT 257.23 161.75 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 303.71 161.75 Td (business ) Tj ET Q q 0 0 0 rg BT 349.64 161.75 Td (lending, ) Tj ET Q q 0 0 0 rg BT 391.12 161.75 Td (treasury ) Tj ET Q q 0 0 0 rg BT 433.70 161.75 Td (management, ) Tj ET Q q 0 0 0 rg BT 501.31 161.75 Td (and ) Tj ET Q q 0 0 0 rg BT 524.45 161.75 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 149.75 Td (management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 127.75 Td (WM ) Tj ET Q q 0 0 0 rg BT 91.77 127.75 Td (is ) Tj ET Q q 0 0 0 rg BT 101.00 127.75 Td (an ) Tj ET Q q 0 0 0 rg BT 114.13 127.75 Td (operating ) Tj ET Q q 0 0 0 rg BT 157.84 127.75 Td (group ) Tj ET Q q 0 0 0 rg BT 185.42 127.75 Td (that ) Tj ET Q q 0 0 0 rg BT 204.11 127.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 235.57 127.75 Td (a ) Tj ET Q q 0 0 0 rg BT 243.13 127.75 Td (full ) Tj ET Q q 0 0 0 rg BT 257.92 127.75 Td (range ) Tj ET Q q 0 0 0 rg BT 285.51 127.75 Td (of ) Tj ET Q q 0 0 0 rg BT 295.85 127.75 Td (client ) Tj ET Q q 0 0 0 rg BT 321.20 127.75 Td (segments, ) Tj ET Q q 0 0 0 rg BT 369.34 127.75 Td (from ) Tj ET Q q 0 0 0 rg BT 391.35 127.75 Td (mainstream ) Tj ET Q q 0 0 0 rg BT 445.59 127.75 Td (to ) Tj ET Q q 0 0 0 rg BT 455.94 127.75 Td (ultra-high ) Tj ET Q q 0 0 0 rg BT 499.63 127.75 Td (net ) Tj ET Q q 0 0 0 rg BT 515.54 127.75 Td (worth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 115.75 Td (and ) Tj ET Q q 0 0 0 rg BT 92.31 115.75 Td (institutional, ) Tj ET Q q 0 0 0 rg BT 148.73 115.75 Td (with ) Tj ET Q q 0 0 0 rg BT 170.14 115.75 Td (a ) Tj ET Q q 0 0 0 rg BT 179.32 115.75 Td (broad ) Tj ET Q q 0 0 0 rg BT 208.52 115.75 Td (of) Tj ET Q q 0 0 0 rg BT 216.68 115.75 Td (fering ) Tj ET Q q 0 0 0 rg BT 245.31 115.75 Td (of ) Tj ET Q q 0 0 0 rg BT 257.27 115.75 Td (wealth ) Tj ET Q q 0 0 0 rg BT 289.80 115.75 Td (management ) Tj ET Q q 0 0 0 rg BT 351.79 115.75 Td (products ) Tj ET Q q 0 0 0 rg BT 393.76 115.75 Td (and ) Tj ET Q q 0 0 0 rg BT 414.07 115.75 Td (solutions. ) Tj ET Q q 0 0 0 rg BT 459.93 115.75 Td ( ) Tj ET Q q 0 0 0 rg BT 463.56 115.75 Td (One ) Tj ET Q q 0 0 0 rg BT 486.08 115.75 Td (of ) Tj ET Q q 0 0 0 rg BT 498.04 115.75 Td (the ) Tj ET Q q 0 0 0 rg BT 515.56 115.75 Td (CBLs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 103.75 Td (resides ) Tj ET Q q 0 0 0 rg BT 107.01 103.75 Td (within ) Tj ET Q q 0 0 0 rg BT 135.36 103.75 Td (WM.) Tj ET Q endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p20 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 712.75 Td (Private ) Tj ET Q q 0 0 0 rg BT 142.95 712.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 169.57 712.75 Td (of) Tj ET Q q 0 0 0 rg BT 177.73 712.75 Td (fers ) Tj ET Q q 0 0 0 rg BT 198.23 712.75 Td (a ) Tj ET Q q 0 0 0 rg BT 207.62 712.75 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 279.25 712.75 Td (range ) Tj ET Q q 0 0 0 rg BT 308.66 712.75 Td (of ) Tj ET Q q 0 0 0 rg BT 320.83 712.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 361.34 712.75 Td (services ) Tj ET Q q 0 0 0 rg BT 401.84 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 422.36 712.75 Td (solutions, ) Tj ET Q q 0 0 0 rg BT 468.43 712.75 Td (delivered ) Tj ET Q q 0 0 0 rg BT 512.84 712.75 Td (with ) Tj ET Q q 0 0 0 rg BT 534.45 712.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 700.75 Td (planning ) Tj ET Q q 0 0 0 rg BT 147.28 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 165.44 700.75 Td (advice-based ) Tj ET Q q 0 0 0 rg BT 226.39 700.75 Td (value ) Tj ET Q q 0 0 0 rg BT 251.77 700.75 Td (proposition ) Tj ET Q q 0 0 0 rg BT 302.17 700.75 Td (to ) Tj ET Q q 0 0 0 rg BT 311.98 700.75 Td (high ) Tj ET Q q 0 0 0 rg BT 332.35 700.75 Td (net ) Tj ET Q q 0 0 0 rg BT 347.73 700.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 373.65 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 391.81 700.75 Td (ultra-high ) Tj ET Q q 0 0 0 rg BT 434.97 700.75 Td (net ) Tj ET Q q 0 0 0 rg BT 450.34 700.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 476.27 700.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 506.08 700.75 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 688.75 Td (our ) Tj ET Q q 0 0 0 rg BT 125.99 688.75 Td (trust, ) Tj ET Q q 0 0 0 rg BT 151.76 688.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 203.65 688.75 Td (and ) Tj ET Q q 0 0 0 rg BT 223.88 688.75 Td (traditional ) Tj ET Q q 0 0 0 rg BT 270.78 688.75 Td (banking ) Tj ET Q q 0 0 0 rg BT 309.34 688.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 352.34 688.75 Td ( ) Tj ET Q q 0 0 0 rg BT 355.88 688.75 Td (In ) Tj ET Q q 0 0 0 rg BT 367.76 688.75 Td (addition ) Tj ET Q q 0 0 0 rg BT 406.33 688.75 Td (to ) Tj ET Q q 0 0 0 rg BT 418.20 688.75 Td (the ) Tj ET Q q 0 0 0 rg BT 435.65 688.75 Td (traditional ) Tj ET Q q 0 0 0 rg BT 482.54 688.75 Td (Private ) Tj ET Q q 0 0 0 rg BT 517.21 688.75 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 676.75 Td (under ) Tj ET Q q 0 0 0 rg BT 137.32 676.75 Td (the ) Tj ET Q q 0 0 0 rg BT 154.96 676.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 178.15 676.75 Td (Personal ) Tj ET Q q 0 0 0 rg BT 221.35 676.75 Td (W) Tj ET Q q 0 0 0 rg BT 230.61 676.75 Td (ealth ) Tj ET Q q 0 0 0 rg BT 256.04 676.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 318.15 676.75 Td (structure, ) Tj ET Q q 0 0 0 rg BT 363.57 676.75 Td (high ) Tj ET Q q 0 0 0 rg BT 386.21 676.75 Td (net ) Tj ET Q q 0 0 0 rg BT 403.85 676.75 Td (worth ) Tj ET Q q 0 0 0 rg BT 432.05 676.75 Td (and ) Tj ET Q q 0 0 0 rg BT 452.47 676.75 Td (ultra-high ) Tj ET Q q 0 0 0 rg BT 497.90 676.75 Td (net ) Tj ET Q q 0 0 0 rg BT 515.54 676.75 Td (worth ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 664.75 Td (clients ) Tj ET Q q 0 0 0 rg BT 138.31 664.75 Td (are ) Tj ET Q q 0 0 0 rg BT 154.72 664.75 Td (served ) Tj ET Q q 0 0 0 rg BT 186.70 664.75 Td (through ) Tj ET Q q 0 0 0 rg BT 222.58 664.75 Td (our ) Tj ET Q q 0 0 0 rg BT 239.00 664.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 289.31 664.75 Td (advisory) Tj ET Q q 0 0 0 rg BT 325.81 664.75 Td (, ) Tj ET Q q 0 0 0 rg BT 330.55 664.75 Td (family ) Tj ET Q q 0 0 0 rg BT 358.63 664.75 Td (of) Tj ET Q q 0 0 0 rg BT 366.78 664.75 Td (fice ) Tj ET Q q 0 0 0 rg BT 384.31 664.75 Td (and ) Tj ET Q q 0 0 0 rg BT 402.96 664.75 Td (specialized ) Tj ET Q q 0 0 0 rg BT 454.39 664.75 Td (trust ) Tj ET Q q 0 0 0 rg BT 475.80 664.75 Td (services ) Tj ET Q q 0 0 0 rg BT 514.44 664.75 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 652.75 Td (are ) Tj ET Q q 0 0 0 rg BT 125.23 652.75 Td (housed ) Tj ET Q q 0 0 0 rg BT 160.82 652.75 Td (in ) Tj ET Q q 0 0 0 rg BT 171.38 652.75 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 215.86 652.75 Td (af) Tj ET Q q 0 0 0 rg BT 224.02 652.75 Td (filiate ) Tj ET Q q 0 0 0 rg BT 250.14 652.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 274.04 652.75 Td (entities.) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I19 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 630.75 Td (1.2.4 ) Tj ET Q q 0 0 0 rg BT 97.02 630.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 630.75 Td (Summary ) Tj ET Q q 0 0 0 rg BT 148.15 630.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 194.28 630.75 Td (Information) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 249.27 630.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 608.75 Td (1.2.4.1 ) Tj ET Q q 0 0 0 rg BT 105.36 608.75 Td ( ) Tj ET Q q 0 0 0 rg BT 108.14 608.75 Td (Balance ) Tj ET Q q 0 0 0 rg BT 149.27 608.75 Td (Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.50 608.75 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 586.75 Td (Figure 1.4-1 BHB Balance Sheet as of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 252.61 586.75 Td (December31, 2014 ) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 561.25 468.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 546.25 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 149.50 546.25 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 226.50 546.25 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 303.50 546.25 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 380.50 546.25 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 457.50 546.25 83.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 576.25 m 72.5 561.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 576.25 m 149.5 576.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 561.25 m 149.5 561.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149.5 576.25 m 226.5 576.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149.5 561.25 m 226.5 561.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 576.25 m 303.5 576.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 561.25 m 303.5 561.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 576.25 m 380.5 576.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 561.25 m 380.5 561.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 576.25 m 457.5 576.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 561.25 m 457.5 561.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 576.25 m 540.5 561.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 576.25 m 540.5 576.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 561.25 m 540.5 561.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 561.25 m 72.5 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 561.25 m 540.5 546.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 546.25 m 72.5 531.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 546.25 m 540.5 531.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 531.25 m 72.5 516.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 531.25 m 540.5 516.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 516.25 m 72.5 501.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 516.25 m 540.5 501.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 501.25 m 72.5 486.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 501.25 m 540.5 486.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 486.25 m 72.5 471.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 486.25 m 540.5 471.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 471.25 m 72.5 456.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 471.25 m 540.5 456.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 456.25 m 72.5 441.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 456.25 m 540.5 441.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 441.25 m 72.5 419.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 441.25 m 540.5 419.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 419.25 m 540.5 419.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 419.25 m 72.5 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 419.25 m 540.5 404.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 404.25 m 72.5 389.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 404.25 m 540.5 389.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 389.25 m 72.5 374.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 389.25 m 540.5 374.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 374.25 m 72.5 359.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 374.25 m 540.5 359.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 359.25 m 72.5 344.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 359.25 m 540.5 344.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 344.25 m 72.5 329.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 344.25 m 540.5 329.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 329.25 m 540.5 329.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 329.25 m 72.5 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 329.25 m 540.5 314.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 314.25 m 72.5 299.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 314.25 m 540.5 299.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 299.25 m 72.5 284.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 299.25 m 540.5 284.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 284.25 m 72.5 269.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 284.25 m 540.5 269.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 269.25 m 72.5 254.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 269.25 m 540.5 254.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 254.25 m 72.5 239.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 254.25 m 540.5 239.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 239.25 m 72.5 224.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 239.25 m 540.5 224.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 224.25 m 540.5 224.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 224.25 m 72.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 209.25 m 149.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149.5 209.25 m 226.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 209.25 m 303.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 209.25 m 380.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 209.25 m 457.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 224.25 m 540.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 209.25 m 540.5 209.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 194.25 m 72.5 179.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 194.25 m 149.5 194.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149.5 194.25 m 226.5 194.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 194.25 m 303.5 194.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 194.25 m 380.5 194.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 194.25 m 457.5 194.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 194.25 m 540.5 179.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 194.25 m 540.5 194.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 179.25 m 72.5 164.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 179.25 m 540.5 164.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 164.25 m 72.5 149.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 164.25 m 540.5 149.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 149.25 m 72.5 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 149.25 m 540.5 134.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 134.25 m 72.5 119.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 134.25 m 540.5 119.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 119.25 m 540.5 119.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 119.25 m 72.5 104.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 119.25 m 540.5 104.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 104.25 m 72.5 89.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 104.25 m 540.5 89.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 89.25 m 72.5 88.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 89.25 m 540.5 88.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 88.75 m 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 88.75 m BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 565.87 Td (BMO Harris Bank N.A.) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 75.00 550.87 Td (BALANCE SHEET) Tj ET Q BT /F1 8.00 Tf ET q 1 1 1 rg BT 75.00 535.48 Td (\($ millions\)) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 496.95 535.48 Td (12/31/2014) Tj ET Q BT /F2 9.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 75.00 505.65 Td (As At Balances) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 75.00 490.48 Td (Assets ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 475.48 Td (Cash and demand balances due from banks) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.40 475.48 Td (1,670,261) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 460.48 Td (Money market assets: ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.00 445.48 Td (Interest-bearing deposits at banks) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 445.48 Td (14,850) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.00 423.48 Td (Federal funds sold and securities purchased under agreement to resell) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 423.48 Td (860) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 408.48 Td (T) Tj ET Q q 0 0 0 rg BT 79.00 408.48 Td (otal cash and cash equivalents) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 408.48 Td (17,380) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 393.48 Td (Securities available-for-sale, at fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 393.48 Td (12,103) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 378.48 Td (Securities available-for-sale, at fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 378.48 Td (3,212) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 363.48 Td (T) Tj ET Q q 0 0 0 rg BT 79.59 363.48 Td (rading account assets and derivative instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 363.48 Td (579) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 348.48 Td (Loans, net of unearned income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 348.48 Td (54,375) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 333.48 Td (Allowance for loan losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 333.48 Td (\(770\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.00 318.48 Td (Net loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 318.48 Td (53,605) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 303.48 Td (Loans held for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 303.48 Td (104) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 288.48 Td (Premises and equipment, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 288.48 Td (1,029) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 273.48 Td (Bank-owned insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 273.48 Td (2,832) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 258.48 Td (Goodwill and other intangible assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 258.48 Td (3,211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 243.48 Td (Deferred tax asset, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 243.48 Td (1,838) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 228.48 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 228.48 Td (1,628) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.00 213.48 Td (T) Tj ET Q q 0 0 0 rg BT 310.29 213.48 Td (otal assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 213.48 Td (97,521) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 75.00 183.48 Td (Liabilities ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 168.48 Td (Deposits in domestic of) Tj ET Q q 0 0 0 rg BT 157.56 168.48 Td (fices) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.00 168.48 Td ( noninterest-bearing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 528.10 168.48 Td (31) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.00 153.48 Td ( interest-bearing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 153.48 Td (45,395) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 138.48 Td (Deposits in foreign of) Tj ET Q q 0 0 0 rg BT 150.01 138.48 Td (fices) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.00 138.48 Td ( noninterest-bearing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.55 138.48 Td (0) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.00 123.48 Td ( interest-bearing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 123.48 Td (198) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.00 108.48 Td (T) Tj ET Q q 0 0 0 rg BT 156.00 108.48 Td (otal deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 108.48 Td (70,665) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 93.48 Td (Federal funds purchased and securities sold under agreement to repurchase) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 93.48 Td (348) Tj ET Q endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p21 ) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 703.50 468.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 688.50 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 149.50 688.50 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 226.50 688.50 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 303.50 688.50 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 380.50 688.50 77.00 -15.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 457.50 688.50 83.00 -15.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 718.5 m 72.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 718.5 m 149.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 703.5 m 149.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149.5 718.5 m 226.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149.5 703.5 m 226.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 718.5 m 303.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 703.5 m 303.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 718.5 m 380.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 703.5 m 380.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 718.5 m 457.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 703.5 m 457.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 718.5 m 540.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 718.5 m 540.5 718.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 703.5 m 540.5 703.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 703.5 m 72.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 703.5 m 540.5 688.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 688.5 m 72.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 688.5 m 540.5 673.5 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 75.00 708.12 Td (BMO Harris Bank N.A.) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 75.00 693.12 Td (BALANCE SHEET) Tj ET Q BT /F1 8.00 Tf ET q 1 1 1 rg BT 75.00 677.73 Td (\($ millions\)) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 496.95 677.73 Td (12/31/2014) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 674 m 72.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 674 m 540.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 673.5 m 72.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 673.5 m 540.5 658.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 658.5 m 72.5 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 658.5 m 540.5 643.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 643.5 m 72.5 628.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 643.5 m 540.5 628.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 628.5 m 72.5 613.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 628.5 m 540.5 613.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 613.5 m 72.5 598.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 613.5 m 540.5 598.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 598.5 m 540.5 598.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 598.5 m 72.5 583.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 598.5 m 540.5 583.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 583.5 m 72.5 568.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 583.5 m 540.5 568.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 568.5 m 72.5 553.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 568.5 m 540.5 553.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 553.5 m 72.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 553.5 m 540.5 538.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 538.5 m 72.5 523.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 538.5 m 540.5 523.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 523.5 m 72.5 508.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 523.5 m 540.5 508.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 508.5 m 72.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 508.5 m 540.5 493.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 493.5 m 72.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 493.5 m 540.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 478.5 m 540.5 478.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 478.5 m 72.5 463.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 463.5 m 149.5 463.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 149.5 463.5 m 226.5 463.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 226.5 463.5 m 303.5 463.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 303.5 463.5 m 380.5 463.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 463.5 m 457.5 463.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 478.5 m 540.5 463.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 463.5 m 540.5 463.5 l s BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 75.00 662.73 Td (T) Tj ET Q q 0 0 0 rg BT 79.59 662.73 Td (rading account liabilities and derivative instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 662.73 Td (196) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 647.73 Td (Short-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 647.73 Td (1,079) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 632.73 Td (Accrued expenses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 632.73 Td (579) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 617.73 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 617.73 Td (461) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 602.73 Td (Long-term notes) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 602.73 Td (2,976) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 229.00 587.73 Td (T) Tj ET Q q 0 0 0 rg BT 233.29 587.73 Td (otal liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 587.73 Td (82,335) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 75.00 572.73 Td (Stockholder) Tj ET Q q 0 0 0 rg BT 121.53 572.73 Td () Tj ET Q q 0 0 0 rg BT 123.45 572.73 Td (s Equity ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 542.73 Td (Common stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.65 542.73 Td (510) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 527.73 Td (Surplus) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 527.73 Td (11,517) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 512.73 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 516.95 512.73 Td (3,287) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 497.73 Td (Accumulated other comprehensive loss) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.30 497.73 Td (\(128\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 229.00 482.73 Td (T) Tj ET Q q 0 0 0 rg BT 233.29 482.73 Td (otal stockholder) Tj ET Q q 0 0 0 rg BT 295.38 482.73 Td () Tj ET Q q 0 0 0 rg BT 297.30 482.73 Td (s equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 482.73 Td (15,186) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 229.00 467.73 Td (T) Tj ET Q q 0 0 0 rg BT 233.29 467.73 Td (otal liabilities and stockholder) Tj ET Q q 0 0 0 rg BT 348.28 467.73 Td () Tj ET Q q 0 0 0 rg BT 350.21 467.73 Td (s equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 512.50 467.73 Td (97,521) Tj ET Q BT /F1 10.00 Tf ET BT /F2 8.00 Tf ET q 0 0 0 rg BT 72.00 444.40 Td (Source: ) Tj ET Q q 0 0 0 rg BT 104.01 444.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 124.89 444.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 150.24 444.40 Td (Bank ) Tj ET Q q 0 0 0 rg BT 172.03 444.40 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 190.25 444.40 Td (December ) Tj ET Q q 0 0 0 rg BT 231.16 444.40 Td (31, ) Tj ET Q q 0 0 0 rg BT 244.50 444.40 Td (2014 ) Tj ET Q q 0 0 0 rg BT 264.23 444.40 Td (Audited ) Tj ET Q q 0 0 0 rg BT 296.22 444.40 Td (Financial ) Tj ET Q q 0 0 0 rg BT 333.12 444.40 Td (Statements) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I20 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 422.40 Td (1.2.4.2 ) Tj ET Q q 0 0 0 rg BT 105.36 422.40 Td ( ) Tj ET Q q 0 0 0 rg BT 108.14 422.40 Td (Major ) Tj ET Q q 0 0 0 rg BT 137.59 422.40 Td (Funding ) Tj ET Q q 0 0 0 rg BT 179.79 422.40 Td (Sources) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.26 422.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 400.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.80 400.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 127.49 400.40 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 160.21 400.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 196.04 400.40 Td (and ) Tj ET Q q 0 0 0 rg BT 215.74 400.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 252.11 400.40 Td (policy ) Tj ET Q q 0 0 0 rg BT 280.70 400.40 Td (and ) Tj ET Q q 0 0 0 rg BT 300.41 400.40 Td (objectives ) Tj ET Q q 0 0 0 rg BT 347.90 400.40 Td (are ) Tj ET Q q 0 0 0 rg BT 365.37 400.40 Td (aligned ) Tj ET Q q 0 0 0 rg BT 400.64 400.40 Td (with ) Tj ET Q q 0 0 0 rg BT 421.45 400.40 Td (its ) Tj ET Q q 0 0 0 rg BT 434.47 400.40 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 480.30 400.40 Td (parent, ) Tj ET Q q 0 0 0 rg BT 514.45 400.40 Td (BMO. ) Tj ET Q q 0 0 0 rg BT 542.79 400.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 388.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.02 388.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 125.93 388.40 Td (Bank) Tj ET Q q 0 0 0 rg BT 150.76 388.40 Td (s ) Tj ET Q q 0 0 0 rg BT 158.01 388.40 Td (policy ) Tj ET Q q 0 0 0 rg BT 185.82 388.40 Td (is ) Tj ET Q q 0 0 0 rg BT 195.28 388.40 Td (to ) Tj ET Q q 0 0 0 rg BT 205.87 388.40 Td (ensure ) Tj ET Q q 0 0 0 rg BT 238.69 388.40 Td (that ) Tj ET Q q 0 0 0 rg BT 257.61 388.40 Td (suf) Tj ET Q q 0 0 0 rg BT 270.77 388.40 Td (ficient ) Tj ET Q q 0 0 0 rg BT 299.14 388.40 Td (liquid ) Tj ET Q q 0 0 0 rg BT 324.73 388.40 Td (assets ) Tj ET Q q 0 0 0 rg BT 355.87 388.40 Td (and ) Tj ET Q q 0 0 0 rg BT 374.80 388.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 409.85 388.40 Td (capacity ) Tj ET Q q 0 0 0 rg BT 448.78 388.40 Td (are ) Tj ET Q q 0 0 0 rg BT 465.48 388.40 Td (available ) Tj ET Q q 0 0 0 rg BT 507.20 388.40 Td (to ) Tj ET Q q 0 0 0 rg BT 517.78 388.40 Td (meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 376.40 Td (financial ) Tj ET Q q 0 0 0 rg BT 112.35 376.40 Td (commitments ) Tj ET Q q 0 0 0 rg BT 175.46 376.40 Td (such ) Tj ET Q q 0 0 0 rg BT 200.25 376.40 Td (as ) Tj ET Q q 0 0 0 rg BT 214.47 376.40 Td (asset ) Tj ET Q q 0 0 0 rg BT 242.03 376.40 Td (growth, ) Tj ET Q q 0 0 0 rg BT 278.48 376.40 Td (customer ) Tj ET Q q 0 0 0 rg BT 323.27 376.40 Td (deposit ) Tj ET Q q 0 0 0 rg BT 359.17 376.40 Td (withdrawals, ) Tj ET Q q 0 0 0 rg BT 417.85 376.40 Td (time ) Tj ET Q q 0 0 0 rg BT 440.40 376.40 Td (deposit ) Tj ET Q q 0 0 0 rg BT 476.31 376.40 Td (maturities ) Tj ET Q q 0 0 0 rg BT 523.31 376.40 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 364.40 Td (other ) Tj ET Q q 0 0 0 rg BT 97.57 364.40 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 162.58 364.40 Td (even ) Tj ET Q q 0 0 0 rg BT 187.04 364.40 Td (in ) Tj ET Q q 0 0 0 rg BT 197.61 364.40 Td (times ) Tj ET Q q 0 0 0 rg BT 224.28 364.40 Td (of ) Tj ET Q q 0 0 0 rg BT 235.39 364.40 Td (stress. ) Tj ET Q q 0 0 0 rg BT 267.62 364.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 342.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.32 342.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.53 342.40 Td (Bank ) Tj ET Q q 0 0 0 rg BT 151.86 342.40 Td (maintains ) Tj ET Q q 0 0 0 rg BT 197.20 342.40 Td (a ) Tj ET Q q 0 0 0 rg BT 205.31 342.40 Td (robust ) Tj ET Q q 0 0 0 rg BT 235.64 342.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 271.54 342.40 Td (and ) Tj ET Q q 0 0 0 rg BT 290.76 342.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 326.11 342.40 Td (risk ) Tj ET Q q 0 0 0 rg BT 344.21 342.40 Td (management ) Tj ET Q q 0 0 0 rg BT 405.12 342.40 Td (framework, ) Tj ET Q q 0 0 0 rg BT 457.11 342.40 Td (supported ) Tj ET Q q 0 0 0 rg BT 504.13 342.40 Td (by ) Tj ET Q q 0 0 0 rg BT 517.24 342.40 Td (limits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 330.40 Td (and ) Tj ET Q q 0 0 0 rg BT 92.02 330.40 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 140.38 330.40 Td (that ) Tj ET Q q 0 0 0 rg BT 160.39 330.40 Td (adhere ) Tj ET Q q 0 0 0 rg BT 194.86 330.40 Td (to ) Tj ET Q q 0 0 0 rg BT 206.54 330.40 Td (the ) Tj ET Q q 0 0 0 rg BT 223.77 330.40 Td (risk ) Tj ET Q q 0 0 0 rg BT 242.65 330.40 Td (appetite ) Tj ET Q q 0 0 0 rg BT 281.57 330.40 Td (framework ) Tj ET Q q 0 0 0 rg BT 331.58 330.40 Td (of ) Tj ET Q q 0 0 0 rg BT 343.25 330.40 Td (the ) Tj ET Q q 0 0 0 rg BT 360.48 330.40 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 383.26 330.40 Td (parent ) Tj ET Q q 0 0 0 rg BT 414.95 330.40 Td (BFC, ) Tj ET Q q 0 0 0 rg BT 441.06 330.40 Td (and ) Tj ET Q q 0 0 0 rg BT 461.08 330.40 Td (BMO. ) Tj ET Q q 0 0 0 rg BT 489.97 330.40 Td ( ) Tj ET Q q 0 0 0 rg BT 493.30 330.40 Td (Board ) Tj ET Q q 0 0 0 rg BT 523.31 330.40 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 318.40 Td (senior ) Tj ET Q q 0 0 0 rg BT 100.85 318.40 Td (management ) Tj ET Q q 0 0 0 rg BT 160.83 318.40 Td (committees ) Tj ET Q q 0 0 0 rg BT 213.57 318.40 Td (approve ) Tj ET Q q 0 0 0 rg BT 251.32 318.40 Td (the ) Tj ET Q q 0 0 0 rg BT 266.84 318.40 Td (management ) Tj ET Q q 0 0 0 rg BT 326.82 318.40 Td (framework ) Tj ET Q q 0 0 0 rg BT 375.11 318.40 Td (including ) Tj ET Q q 0 0 0 rg BT 416.20 318.40 Td (related ) Tj ET Q q 0 0 0 rg BT 448.39 318.40 Td (policies ) Tj ET Q q 0 0 0 rg BT 483.35 318.40 Td (and ) Tj ET Q q 0 0 0 rg BT 501.65 318.40 Td (regularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 306.40 Td (review ) Tj ET Q q 0 0 0 rg BT 102.95 306.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 138.35 306.40 Td (and ) Tj ET Q q 0 0 0 rg BT 157.08 306.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 191.94 306.40 Td (positions. ) Tj ET Q q 0 0 0 rg BT 236.10 306.40 Td (The ) Tj ET Q q 0 0 0 rg BT 255.38 306.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 280.21 306.40 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 301.30 306.40 Td (Asset ) Tj ET Q q 0 0 0 rg BT 328.36 306.40 Td (Liability ) Tj ET Q q 0 0 0 rg BT 363.76 306.40 Td (Committee, ) Tj ET Q q 0 0 0 rg BT 416.93 306.40 Td (which ) Tj ET Q q 0 0 0 rg BT 444.55 306.40 Td (is ) Tj ET Q q 0 0 0 rg BT 453.82 306.40 Td (chaired ) Tj ET Q q 0 0 0 rg BT 488.67 306.40 Td (by ) Tj ET Q q 0 0 0 rg BT 501.28 306.40 Td (the ) Tj ET Q q 0 0 0 rg BT 517.23 306.40 Td (BMO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 294.40 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 95.33 294.40 Td (Chief ) Tj ET Q q 0 0 0 rg BT 122.55 294.40 Td (Financial ) Tj ET Q q 0 0 0 rg BT 166.45 294.40 Td (Of) Tj ET Q q 0 0 0 rg BT 176.82 294.40 Td (ficer) Tj ET Q q 0 0 0 rg BT 195.16 294.40 Td (, ) Tj ET Q q 0 0 0 rg BT 201.82 294.40 Td (monitors ) Tj ET Q q 0 0 0 rg BT 244.04 294.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 270.70 294.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 301.24 294.40 Td (Bank) Tj ET Q q 0 0 0 rg BT 326.08 294.40 Td (s ) Tj ET Q q 0 0 0 rg BT 334.96 294.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 372.18 294.40 Td (limits ) Tj ET Q q 0 0 0 rg BT 398.84 294.40 Td (and ) Tj ET Q q 0 0 0 rg BT 419.40 294.40 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 468.31 294.40 Td (and ) Tj ET Q q 0 0 0 rg BT 488.87 294.40 Td (liquid ) Tj ET Q q 0 0 0 rg BT 516.10 294.40 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 282.40 Td (reserves. ) Tj ET Q q 0 0 0 rg BT 115.20 282.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 140.06 282.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 168.80 282.40 Td (Bank) Tj ET Q q 0 0 0 rg BT 193.63 282.40 Td (s ) Tj ET Q q 0 0 0 rg BT 200.57 282.40 Td (T) Tj ET Q q 0 0 0 rg BT 206.31 282.40 Td (reasury ) Tj ET Q q 0 0 0 rg BT 241.73 282.40 Td (group ) Tj ET Q q 0 0 0 rg BT 269.39 282.40 Td (actively ) Tj ET Q q 0 0 0 rg BT 304.81 282.40 Td (analyzes ) Tj ET Q q 0 0 0 rg BT 346.35 282.40 Td (and ) Tj ET Q q 0 0 0 rg BT 365.11 282.40 Td (monitors ) Tj ET Q q 0 0 0 rg BT 405.54 282.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 440.96 282.40 Td (risk ) Tj ET Q q 0 0 0 rg BT 458.59 282.40 Td (to ) Tj ET Q q 0 0 0 rg BT 469.01 282.40 Td (maintain ) Tj ET Q q 0 0 0 rg BT 508.88 282.40 Td (excess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 270.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 108.13 270.40 Td (and ) Tj ET Q q 0 0 0 rg BT 127.59 270.40 Td (access ) Tj ET Q q 0 0 0 rg BT 161.49 270.40 Td (diverse ) Tj ET Q q 0 0 0 rg BT 196.51 270.40 Td (sources ) Tj ET Q q 0 0 0 rg BT 234.30 270.40 Td (of ) Tj ET Q q 0 0 0 rg BT 245.42 270.40 Td (funding. ) Tj ET Q q 0 0 0 rg BT 283.78 270.40 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 248.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.97 248.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 127.83 248.40 Td (Bank ) Tj ET Q q 0 0 0 rg BT 153.82 248.40 Td (maintains ) Tj ET Q q 0 0 0 rg BT 199.81 248.40 Td (a ) Tj ET Q q 0 0 0 rg BT 208.57 248.40 Td (robust ) Tj ET Q q 0 0 0 rg BT 239.56 248.40 Td (stress ) Tj ET Q q 0 0 0 rg BT 269.42 248.40 Td (testing ) Tj ET Q q 0 0 0 rg BT 302.08 248.40 Td (program ) Tj ET Q q 0 0 0 rg BT 342.51 248.40 Td (to ) Tj ET Q q 0 0 0 rg BT 354.05 248.40 Td (ensure ) Tj ET Q q 0 0 0 rg BT 387.82 248.40 Td (its ) Tj ET Q q 0 0 0 rg BT 401.01 248.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 437.56 248.40 Td (and ) Tj ET Q q 0 0 0 rg BT 457.44 248.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 493.44 248.40 Td (needs ) Tj ET Q q 0 0 0 rg BT 523.88 248.40 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 236.40 Td (be ) Tj ET Q q 0 0 0 rg BT 86.05 236.40 Td (met ) Tj ET Q q 0 0 0 rg BT 105.65 236.40 Td (under ) Tj ET Q q 0 0 0 rg BT 134.16 236.40 Td (stress. ) Tj ET Q q 0 0 0 rg BT 166.53 236.40 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 206.15 236.40 Td (stress ) Tj ET Q q 0 0 0 rg BT 235.75 236.40 Td (tests ) Tj ET Q q 0 0 0 rg BT 259.80 236.40 Td (are ) Tj ET Q q 0 0 0 rg BT 277.18 236.40 Td (performed ) Tj ET Q q 0 0 0 rg BT 325.68 236.40 Td (at ) Tj ET Q q 0 0 0 rg BT 336.95 236.40 Td (least ) Tj ET Q q 0 0 0 rg BT 361.00 236.40 Td (monthly) Tj ET Q q 0 0 0 rg BT 395.28 236.40 Td (, ) Tj ET Q q 0 0 0 rg BT 400.98 236.40 Td (based ) Tj ET Q q 0 0 0 rg BT 431.16 236.40 Td (on ) Tj ET Q q 0 0 0 rg BT 445.21 236.40 Td (market ) Tj ET Q q 0 0 0 rg BT 478.70 236.40 Td (factors ) Tj ET Q q 0 0 0 rg BT 511.64 236.40 Td (and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 224.40 Td (factors ) Tj ET Q q 0 0 0 rg BT 103.77 224.40 Td (specific ) Tj ET Q q 0 0 0 rg BT 138.87 224.40 Td (to ) Tj ET Q q 0 0 0 rg BT 148.96 224.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 173.49 224.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 201.91 224.40 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 229.13 224.40 Td (The ) Tj ET Q q 0 0 0 rg BT 248.11 224.40 Td (availability ) Tj ET Q q 0 0 0 rg BT 296.00 224.40 Td (of ) Tj ET Q q 0 0 0 rg BT 306.10 224.40 Td (suf) Tj ET Q q 0 0 0 rg BT 319.26 224.40 Td (ficient ) Tj ET Q q 0 0 0 rg BT 347.13 224.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 382.24 224.40 Td (reserves ) Tj ET Q q 0 0 0 rg BT 422.34 224.40 Td (to ) Tj ET Q q 0 0 0 rg BT 432.44 224.40 Td (cope ) Tj ET Q q 0 0 0 rg BT 455.88 224.40 Td (with ) Tj ET Q q 0 0 0 rg BT 475.41 224.40 Td (an ) Tj ET Q q 0 0 0 rg BT 488.29 224.40 Td (unexpected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 212.40 Td (surge ) Tj ET Q q 0 0 0 rg BT 100.04 212.40 Td (in ) Tj ET Q q 0 0 0 rg BT 110.85 212.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 147.22 212.40 Td (needs ) Tj ET Q q 0 0 0 rg BT 177.49 212.40 Td (is ) Tj ET Q q 0 0 0 rg BT 187.73 212.40 Td (regularly ) Tj ET Q q 0 0 0 rg BT 229.11 212.40 Td (measured ) Tj ET Q q 0 0 0 rg BT 276.60 212.40 Td (as ) Tj ET Q q 0 0 0 rg BT 290.19 212.40 Td (a ) Tj ET Q q 0 0 0 rg BT 298.77 212.40 Td (part ) Tj ET Q q 0 0 0 rg BT 319.03 212.40 Td (of ) Tj ET Q q 0 0 0 rg BT 330.39 212.40 Td (these ) Tj ET Q q 0 0 0 rg BT 357.88 212.40 Td (stress ) Tj ET Q q 0 0 0 rg BT 387.57 212.40 Td (tests. ) Tj ET Q q 0 0 0 rg BT 414.49 212.40 Td (Liquid ) Tj ET Q q 0 0 0 rg BT 444.20 212.40 Td (assets ) Tj ET Q q 0 0 0 rg BT 476.13 212.40 Td (held ) Tj ET Q q 0 0 0 rg BT 498.06 212.40 Td (to ) Tj ET Q q 0 0 0 rg BT 509.42 212.40 Td (ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 200.40 Td (that ) Tj ET Q q 0 0 0 rg BT 90.86 200.40 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 126.38 200.40 Td (and ) Tj ET Q q 0 0 0 rg BT 145.24 200.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 180.22 200.40 Td (objectives ) Tj ET Q q 0 0 0 rg BT 226.87 200.40 Td (are ) Tj ET Q q 0 0 0 rg BT 243.50 200.40 Td (met ) Tj ET Q q 0 0 0 rg BT 262.34 200.40 Td (include ) Tj ET Q q 0 0 0 rg BT 296.21 200.40 Td (unencumbered, ) Tj ET Q q 0 0 0 rg BT 367.88 200.40 Td (high-quality ) Tj ET Q q 0 0 0 rg BT 421.19 200.40 Td (assets ) Tj ET Q q 0 0 0 rg BT 452.27 200.40 Td (that ) Tj ET Q q 0 0 0 rg BT 471.13 200.40 Td (are ) Tj ET Q q 0 0 0 rg BT 487.76 200.40 Td (marketable, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 188.40 Td (can ) Tj ET Q q 0 0 0 rg BT 90.46 188.40 Td (be ) Tj ET Q q 0 0 0 rg BT 103.92 188.40 Td (pledged ) Tj ET Q q 0 0 0 rg BT 141.85 188.40 Td (as ) Tj ET Q q 0 0 0 rg BT 154.75 188.40 Td (security ) Tj ET Q q 0 0 0 rg BT 191.55 188.40 Td (for ) Tj ET Q q 0 0 0 rg BT 205.55 188.40 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 259.58 188.40 Td (and ) Tj ET Q q 0 0 0 rg BT 278.61 188.40 Td (can ) Tj ET Q q 0 0 0 rg BT 297.07 188.40 Td (be ) Tj ET Q q 0 0 0 rg BT 310.53 188.40 Td (converted ) Tj ET Q q 0 0 0 rg BT 356.79 188.40 Td (to ) Tj ET Q q 0 0 0 rg BT 367.46 188.40 Td (cash ) Tj ET Q q 0 0 0 rg BT 390.93 188.40 Td (in ) Tj ET Q q 0 0 0 rg BT 401.05 188.40 Td (a ) Tj ET Q q 0 0 0 rg BT 408.95 188.40 Td (time ) Tj ET Q q 0 0 0 rg BT 430.18 188.40 Td (frame ) Tj ET Q q 0 0 0 rg BT 458.08 188.40 Td (that ) Tj ET Q q 0 0 0 rg BT 477.10 188.40 Td (meets ) Tj ET Q q 0 0 0 rg BT 506.67 188.40 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 176.40 Td (and ) Tj ET Q q 0 0 0 rg BT 91.30 176.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 126.72 176.40 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 189.96 176.40 Td (Additionally) Tj ET Q q 0 0 0 rg BT 240.36 176.40 Td (, ) Tj ET Q q 0 0 0 rg BT 245.75 176.40 Td (a ) Tj ET Q q 0 0 0 rg BT 253.93 176.40 Td (contingency ) Tj ET Q q 0 0 0 rg BT 309.91 176.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 345.34 176.40 Td (plan ) Tj ET Q q 0 0 0 rg BT 366.86 176.40 Td (that ) Tj ET Q q 0 0 0 rg BT 386.15 176.40 Td (will ) Tj ET Q q 0 0 0 rg BT 402.66 176.40 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 441.96 176.40 Td (ef) Tj ET Q q 0 0 0 rg BT 450.12 176.40 Td (fective ) Tj ET Q q 0 0 0 rg BT 481.63 176.40 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 164.40 Td (through ) Tj ET Q q 0 0 0 rg BT 108.69 164.40 Td (a ) Tj ET Q q 0 0 0 rg BT 117.03 164.40 Td (crisis ) Tj ET Q q 0 0 0 rg BT 142.59 164.40 Td (is ) Tj ET Q q 0 0 0 rg BT 152.59 164.40 Td (also ) Tj ET Q q 0 0 0 rg BT 173.71 164.40 Td (in ) Tj ET Q q 0 0 0 rg BT 184.27 164.40 Td (place. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 142.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.25 142.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 124.39 142.40 Td (Bank) Tj ET Q q 0 0 0 rg BT 149.22 142.40 Td (s ) Tj ET Q q 0 0 0 rg BT 155.69 142.40 Td (largest ) Tj ET Q q 0 0 0 rg BT 187.18 142.40 Td (source ) Tj ET Q q 0 0 0 rg BT 218.67 142.40 Td (of ) Tj ET Q q 0 0 0 rg BT 228.48 142.40 Td (funding ) Tj ET Q q 0 0 0 rg BT 262.76 142.40 Td (is ) Tj ET Q q 0 0 0 rg BT 271.45 142.40 Td (its ) Tj ET Q q 0 0 0 rg BT 282.92 142.40 Td (customer ) Tj ET Q q 0 0 0 rg BT 325.52 142.40 Td (deposit ) Tj ET Q q 0 0 0 rg BT 359.23 142.40 Td (base ) Tj ET Q q 0 0 0 rg BT 382.39 142.40 Td (which ) Tj ET Q q 0 0 0 rg BT 409.43 142.40 Td (includes ) Tj ET Q q 0 0 0 rg BT 447.59 142.40 Td (retail ) Tj ET Q q 0 0 0 rg BT 470.74 142.40 Td (and ) Tj ET Q q 0 0 0 rg BT 488.89 142.40 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 130.40 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 114.55 130.40 Td (Along ) Tj ET Q q 0 0 0 rg BT 143.28 130.40 Td (with ) Tj ET Q q 0 0 0 rg BT 164.22 130.40 Td (a ) Tj ET Q q 0 0 0 rg BT 172.94 130.40 Td (strong ) Tj ET Q q 0 0 0 rg BT 203.88 130.40 Td (capital ) Tj ET Q q 0 0 0 rg BT 235.94 130.40 Td (base, ) Tj ET Q q 0 0 0 rg BT 263.56 130.40 Td (customer ) Tj ET Q q 0 0 0 rg BT 307.84 130.40 Td (deposits ) Tj ET Q q 0 0 0 rg BT 348.24 130.40 Td (provide ) Tj ET Q q 0 0 0 rg BT 384.19 130.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 410.12 130.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 439.94 130.40 Td (Bank ) Tj ET Q q 0 0 0 rg BT 465.89 130.40 Td (with ) Tj ET Q q 0 0 0 rg BT 486.83 130.40 Td (a ) Tj ET Q q 0 0 0 rg BT 495.54 130.40 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 118.40 Td (source ) Tj ET Q q 0 0 0 rg BT 105.20 118.40 Td (of ) Tj ET Q q 0 0 0 rg BT 116.73 118.40 Td (relatively ) Tj ET Q q 0 0 0 rg BT 159.38 118.40 Td (stable ) Tj ET Q q 0 0 0 rg BT 189.25 118.40 Td (and ) Tj ET Q q 0 0 0 rg BT 209.13 118.40 Td (low-cost ) Tj ET Q q 0 0 0 rg BT 248.99 118.40 Td (funding. ) Tj ET Q q 0 0 0 rg BT 287.77 118.40 Td (BMO ) Tj ET Q q 0 0 0 rg BT 313.74 118.40 Td (Harris ) Tj ET Q q 0 0 0 rg BT 343.59 118.40 Td (Bank) Tj ET Q q 0 0 0 rg BT 368.42 118.40 Td (s ) Tj ET Q q 0 0 0 rg BT 376.61 118.40 Td (total ) Tj ET Q q 0 0 0 rg BT 398.71 118.40 Td (customer ) Tj ET Q q 0 0 0 rg BT 443.02 118.40 Td (deposits ) Tj ET Q q 0 0 0 rg BT 483.45 118.40 Td (were ) Tj ET Q q 0 0 0 rg BT 508.32 118.40 Td ($76.7B ) Tj ET Q endstream endobj 45 0 obj <> endobj 46 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p22 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.87 712.75 Td (total ) Tj ET Q q 0 0 0 rg BT 113.95 712.75 Td (capital) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 142.86 717.52 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.47 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 149.66 712.75 Td (was ) Tj ET Q q 0 0 0 rg BT 170.63 712.75 Td ($15.7B ) Tj ET Q q 0 0 0 rg BT 205.50 712.75 Td (as ) Tj ET Q q 0 0 0 rg BT 219.25 712.75 Td (of ) Tj ET Q q 0 0 0 rg BT 230.77 712.75 Td (December ) Tj ET Q q 0 0 0 rg BT 280.09 712.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 297.17 712.75 Td (2014, ) Tj ET Q q 0 0 0 rg BT 325.38 712.75 Td (on ) Tj ET Q q 0 0 0 rg BT 339.69 712.75 Td (a ) Tj ET Q q 0 0 0 rg BT 348.43 712.75 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 407.77 712.75 Td (basis. ) Tj ET Q q 0 0 0 rg BT 437.08 712.75 Td (Other ) Tj ET Q q 0 0 0 rg BT 465.27 712.75 Td (major ) Tj ET Q q 0 0 0 rg BT 493.46 712.75 Td (sources ) Tj ET Q q 0 0 0 rg BT 531.66 712.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 107.94 700.75 Td (include ) Tj ET Q q 0 0 0 rg BT 142.76 700.75 Td (short-term ) Tj ET Q q 0 0 0 rg BT 191.46 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 211.28 700.75 Td (long-term ) Tj ET Q q 0 0 0 rg BT 256.65 700.75 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 308.69 700.75 Td (that ) Tj ET Q q 0 0 0 rg BT 328.51 700.75 Td (were ) Tj ET Q q 0 0 0 rg BT 353.32 700.75 Td ($1.4B ) Tj ET Q q 0 0 0 rg BT 382.58 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 402.40 700.75 Td ($2.4B ) Tj ET Q q 0 0 0 rg BT 431.67 700.75 Td (respectively) Tj ET Q q 0 0 0 rg BT 483.72 700.75 Td (. ) Tj ET Q q 0 0 0 rg BT 489.63 700.75 Td ( ) Tj ET Q q 0 0 0 rg BT 492.77 700.75 Td (Short-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 688.75 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 123.69 688.75 Td (are ) Tj ET Q q 0 0 0 rg BT 140.92 688.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 181.48 688.75 Td (in ) Tj ET Q q 0 0 0 rg BT 192.04 688.75 Td (the ) Tj ET Q q 0 0 0 rg BT 208.72 688.75 Td (form ) Tj ET Q q 0 0 0 rg BT 231.50 688.75 Td (of ) Tj ET Q q 0 0 0 rg BT 242.62 688.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 287.63 688.75 Td (lent ) Tj ET Q q 0 0 0 rg BT 306.53 688.75 Td (or ) Tj ET Q q 0 0 0 rg BT 318.20 688.75 Td (sold ) Tj ET Q q 0 0 0 rg BT 339.32 688.75 Td (under ) Tj ET Q q 0 0 0 rg BT 367.68 688.75 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 420.49 688.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 476.07 688.75 Td (and ) Tj ET Q q 0 0 0 rg BT 495.54 688.75 Td (Fed ) Tj ET Q q 0 0 0 rg BT 515.54 688.75 Td (funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 676.75 Td (purchased. ) Tj ET Q q 0 0 0 rg BT 124.96 676.75 Td (Long-term ) Tj ET Q q 0 0 0 rg BT 174.01 676.75 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 226.40 676.75 Td (are ) Tj ET Q q 0 0 0 rg BT 244.34 676.75 Td (generally ) Tj ET Q q 0 0 0 rg BT 288.40 676.75 Td (greater ) Tj ET Q q 0 0 0 rg BT 323.56 676.75 Td (than ) Tj ET Q q 0 0 0 rg BT 346.50 676.75 Td (one ) Tj ET Q q 0 0 0 rg BT 366.67 676.75 Td (year ) Tj ET Q q 0 0 0 rg BT 389.60 676.75 Td (and ) Tj ET Q q 0 0 0 rg BT 409.76 676.75 Td (in ) Tj ET Q q 0 0 0 rg BT 421.03 676.75 Td (the ) Tj ET Q q 0 0 0 rg BT 438.41 676.75 Td (form ) Tj ET Q q 0 0 0 rg BT 461.89 676.75 Td (of ) Tj ET Q q 0 0 0 rg BT 473.71 676.75 Td (advances ) Tj ET Q q 0 0 0 rg BT 519.99 676.75 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 664.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.34 664.75 Td (/ ) Tj ET Q q 0 0 0 rg BT 104.68 664.75 Td (inter-company ) Tj ET Q q 0 0 0 rg BT 171.60 664.75 Td (af) Tj ET Q q 0 0 0 rg BT 179.76 664.75 Td (filiates, ) Tj ET Q q 0 0 0 rg BT 214.44 664.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 245.24 664.75 Td (debt, ) Tj ET Q q 0 0 0 rg BT 271.04 664.75 Td (and ) Tj ET Q q 0 0 0 rg BT 291.29 664.75 Td (advances ) Tj ET Q q 0 0 0 rg BT 337.66 664.75 Td (from ) Tj ET Q q 0 0 0 rg BT 361.22 664.75 Td (the ) Tj ET Q q 0 0 0 rg BT 378.68 664.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 416.15 664.75 Td (Home ) Tj ET Q q 0 0 0 rg BT 446.38 664.75 Td (Loan ) Tj ET Q q 0 0 0 rg BT 472.19 664.75 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 501.09 664.75 Td (T) Tj ET Q q 0 0 0 rg BT 506.09 664.75 Td (ogether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 652.75 Td (these ) Tj ET Q q 0 0 0 rg BT 100.21 652.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 136.77 652.75 Td (sources ) Tj ET Q q 0 0 0 rg BT 175.53 652.75 Td (represent ) Tj ET Q q 0 0 0 rg BT 221.53 652.75 Td (98% ) Tj ET Q q 0 0 0 rg BT 245.29 652.75 Td (of ) Tj ET Q q 0 0 0 rg BT 257.38 652.75 Td (the ) Tj ET Q q 0 0 0 rg BT 275.03 652.75 Td (total ) Tj ET Q q 0 0 0 rg BT 297.68 652.75 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 339.23 652.75 Td (and ) Tj ET Q q 0 0 0 rg BT 359.66 652.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 390.10 652.75 Td (of ) Tj ET Q q 0 0 0 rg BT 402.18 652.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 428.71 652.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 459.13 652.75 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 488.45 652.75 Td ( ) Tj ET Q q 0 0 0 rg BT 492.20 652.75 Td (Remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 640.75 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 112.57 640.75 Td (include ) Tj ET Q q 0 0 0 rg BT 147.04 640.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 180.39 640.75 Td (account ) Tj ET Q q 0 0 0 rg BT 218.20 640.75 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 261.55 640.75 Td (accrued ) Tj ET Q q 0 0 0 rg BT 299.90 640.75 Td (expenses ) Tj ET Q q 0 0 0 rg BT 345.49 640.75 Td (and ) Tj ET Q q 0 0 0 rg BT 364.95 640.75 Td (other ) Tj ET Q q 0 0 0 rg BT 390.52 640.75 Td (liabilities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 618.75 Td (In ) Tj ET Q q 0 0 0 rg BT 82.58 618.75 Td (line ) Tj ET Q q 0 0 0 rg BT 100.39 618.75 Td (with ) Tj ET Q q 0 0 0 rg BT 120.42 618.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 145.24 618.75 Td (s ) Tj ET Q q 0 0 0 rg BT 152.48 618.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 187.53 618.75 Td (philosophy) Tj ET Q q 0 0 0 rg BT 234.60 618.75 Td (, ) Tj ET Q q 0 0 0 rg BT 239.62 618.75 Td (secured ) Tj ET Q q 0 0 0 rg BT 277.44 618.75 Td (and ) Tj ET Q q 0 0 0 rg BT 296.37 618.75 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 345.31 618.75 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 392.02 618.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 427.07 618.75 Td (used ) Tj ET Q q 0 0 0 rg BT 451.00 618.75 Td (to ) Tj ET Q q 0 0 0 rg BT 461.58 618.75 Td (support ) Tj ET Q q 0 0 0 rg BT 497.18 618.75 Td (loans ) Tj ET Q q 0 0 0 rg BT 523.33 618.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 606.75 Td (less ) Tj ET Q q 0 0 0 rg BT 92.96 606.75 Td (liquid ) Tj ET Q q 0 0 0 rg BT 119.50 606.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 151.58 606.75 Td (is ) Tj ET Q q 0 0 0 rg BT 161.98 606.75 Td (longer ) Tj ET Q q 0 0 0 rg BT 192.96 606.75 Td (term ) Tj ET Q q 0 0 0 rg BT 216.14 606.75 Td (to ) Tj ET Q q 0 0 0 rg BT 227.66 606.75 Td (better ) Tj ET Q q 0 0 0 rg BT 256.41 606.75 Td (match ) Tj ET Q q 0 0 0 rg BT 286.83 606.75 Td (the ) Tj ET Q q 0 0 0 rg BT 303.91 606.75 Td (term ) Tj ET Q q 0 0 0 rg BT 327.09 606.75 Td (to ) Tj ET Q q 0 0 0 rg BT 338.61 606.75 Td (maturity ) Tj ET Q q 0 0 0 rg BT 377.35 606.75 Td (of ) Tj ET Q q 0 0 0 rg BT 388.88 606.75 Td (these ) Tj ET Q q 0 0 0 rg BT 416.52 606.75 Td (assets. ) Tj ET Q q 0 0 0 rg BT 451.38 606.75 Td ( ) Tj ET Q q 0 0 0 rg BT 454.56 606.75 Td (Wholesale ) Tj ET Q q 0 0 0 rg BT 504.43 606.75 Td (secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 594.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.74 594.75 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 141.49 594.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 177.36 594.75 Td (for ) Tj ET Q q 0 0 0 rg BT 192.08 594.75 Td (liquid ) Tj ET Q q 0 0 0 rg BT 218.49 594.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 252.12 594.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 284.07 594.75 Td (is ) Tj ET Q q 0 0 0 rg BT 294.35 594.75 Td (generally ) Tj ET Q q 0 0 0 rg BT 337.99 594.75 Td (shorter ) Tj ET Q q 0 0 0 rg BT 372.17 594.75 Td (term ) Tj ET Q q 0 0 0 rg BT 395.22 594.75 Td (\(maturing ) Tj ET Q q 0 0 0 rg BT 440.51 594.75 Td (in ) Tj ET Q q 0 0 0 rg BT 451.35 594.75 Td (less ) Tj ET Q q 0 0 0 rg BT 472.19 594.75 Td (than ) Tj ET Q q 0 0 0 rg BT 494.71 594.75 Td (one ) Tj ET Q q 0 0 0 rg BT 514.45 594.75 Td (year\). ) Tj ET Q q 0 0 0 rg BT 542.79 594.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 582.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.37 582.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 128.62 582.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 155.00 582.75 Td (also ) Tj ET Q q 0 0 0 rg BT 176.94 582.75 Td (maintains ) Tj ET Q q 0 0 0 rg BT 223.33 582.75 Td (supplemental ) Tj ET Q q 0 0 0 rg BT 286.40 582.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 323.34 582.75 Td (pools ) Tj ET Q q 0 0 0 rg BT 350.83 582.75 Td (that ) Tj ET Q q 0 0 0 rg BT 371.10 582.75 Td (are ) Tj ET Q q 0 0 0 rg BT 389.14 582.75 Td (maintained ) Tj ET Q q 0 0 0 rg BT 441.65 582.75 Td (for ) Tj ET Q q 0 0 0 rg BT 456.91 582.75 Td (contingent ) Tj ET Q q 0 0 0 rg BT 506.65 582.75 Td (liquidity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 570.75 Td (management ) Tj ET Q q 0 0 0 rg BT 132.26 570.75 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 178.07 570.75 Td () Tj ET Q q 0 0 0 rg BT 180.67 570.75 Td (These ) Tj ET Q q 0 0 0 rg BT 210.36 570.75 Td (pools ) Tj ET Q q 0 0 0 rg BT 236.16 570.75 Td (are ) Tj ET Q q 0 0 0 rg BT 252.51 570.75 Td (currently ) Tj ET Q q 0 0 0 rg BT 292.74 570.75 Td (funded ) Tj ET Q q 0 0 0 rg BT 325.22 570.75 Td (largely ) Tj ET Q q 0 0 0 rg BT 356.58 570.75 Td (with ) Tj ET Q q 0 0 0 rg BT 376.25 570.75 Td (stable ) Tj ET Q q 0 0 0 rg BT 404.83 570.75 Td (retail ) Tj ET Q q 0 0 0 rg BT 428.40 570.75 Td (and ) Tj ET Q q 0 0 0 rg BT 446.98 570.75 Td (commercial ) Tj ET Q q 0 0 0 rg BT 499.99 570.75 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 548.75 Td (Liquid ) Tj ET Q q 0 0 0 rg BT 102.28 548.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 134.76 548.75 Td (in ) Tj ET Q q 0 0 0 rg BT 146.13 548.75 Td (the ) Tj ET Q q 0 0 0 rg BT 163.62 548.75 Td (form ) Tj ET Q q 0 0 0 rg BT 187.21 548.75 Td (of ) Tj ET Q q 0 0 0 rg BT 199.14 548.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 223.85 548.75 Td (and ) Tj ET Q q 0 0 0 rg BT 244.12 548.75 Td (unencumbered, ) Tj ET Q q 0 0 0 rg BT 317.20 548.75 Td (high-quality) Tj ET Q q 0 0 0 rg BT 367.60 548.75 Td (, ) Tj ET Q q 0 0 0 rg BT 373.96 548.75 Td (liquid ) Tj ET Q q 0 0 0 rg BT 400.90 548.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 446.72 548.75 Td (serve ) Tj ET Q q 0 0 0 rg BT 474.76 548.75 Td (as ) Tj ET Q q 0 0 0 rg BT 488.91 548.75 Td (a ) Tj ET Q q 0 0 0 rg BT 498.06 548.75 Td (means ) Tj ET Q q 0 0 0 rg BT 531.66 548.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 536.75 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 107.98 536.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 126.16 536.75 Td (mitigation. ) Tj ET Q q 0 0 0 rg BT 174.37 536.75 Td (Excess ) Tj ET Q q 0 0 0 rg BT 209.23 536.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 232.98 536.75 Td (is ) Tj ET Q q 0 0 0 rg BT 242.84 536.75 Td (held ) Tj ET Q q 0 0 0 rg BT 264.37 536.75 Td (on ) Tj ET Q q 0 0 0 rg BT 278.13 536.75 Td (deposit ) Tj ET Q q 0 0 0 rg BT 313.00 536.75 Td (with ) Tj ET Q q 0 0 0 rg BT 333.42 536.75 Td (the ) Tj ET Q q 0 0 0 rg BT 349.95 536.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 386.48 536.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 426.35 536.75 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 454.55 536.75 Td (High-quality ) Tj ET Q q 0 0 0 rg BT 509.99 536.75 Td (\(liquid\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 524.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 117.49 524.75 Td (are ) Tj ET Q q 0 0 0 rg BT 135.20 524.75 Td (comprised ) Tj ET Q q 0 0 0 rg BT 184.58 524.75 Td (of ) Tj ET Q q 0 0 0 rg BT 196.18 524.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 218.88 524.75 Td (agency ) Tj ET Q q 0 0 0 rg BT 254.39 524.75 Td (debt, ) Tj ET Q q 0 0 0 rg BT 279.24 524.75 Td (Asset ) Tj ET Q q 0 0 0 rg BT 307.50 524.75 Td (Backed ) Tj ET Q q 0 0 0 rg BT 344.11 524.75 Td (Securities, ) Tj ET Q q 0 0 0 rg BT 394.05 524.75 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 439.56 524.75 Td (Backed ) Tj ET Q q 0 0 0 rg BT 476.17 524.75 Td (Securities ) Tj ET Q q 0 0 0 rg BT 523.33 524.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 512.75 Td (other ) Tj ET Q q 0 0 0 rg BT 97.17 512.75 Td (available ) Tj ET Q q 0 0 0 rg BT 139.02 512.75 Td (for ) Tj ET Q q 0 0 0 rg BT 153.06 512.75 Td (sale ) Tj ET Q q 0 0 0 rg BT 173.78 512.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 218.39 512.75 Td (that ) Tj ET Q q 0 0 0 rg BT 237.45 512.75 Td (can ) Tj ET Q q 0 0 0 rg BT 255.95 512.75 Td (be ) Tj ET Q q 0 0 0 rg BT 269.45 512.75 Td (sold ) Tj ET Q q 0 0 0 rg BT 290.17 512.75 Td (in ) Tj ET Q q 0 0 0 rg BT 300.33 512.75 Td (the ) Tj ET Q q 0 0 0 rg BT 316.60 512.75 Td (market ) Tj ET Q q 0 0 0 rg BT 349.54 512.75 Td (or ) Tj ET Q q 0 0 0 rg BT 360.81 512.75 Td (used ) Tj ET Q q 0 0 0 rg BT 384.87 512.75 Td (as ) Tj ET Q q 0 0 0 rg BT 397.80 512.75 Td (collateral ) Tj ET Q q 0 0 0 rg BT 440.20 512.75 Td (in ) Tj ET Q q 0 0 0 rg BT 450.36 512.75 Td (secured ) Tj ET Q q 0 0 0 rg BT 488.31 512.75 Td (borrowings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 500.75 Td (Net ) Tj ET Q q 0 0 0 rg BT 90.37 500.75 Td (unencumbered ) Tj ET Q q 0 0 0 rg BT 159.90 500.75 Td (liquid ) Tj ET Q q 0 0 0 rg BT 186.06 500.75 Td (assets, ) Tj ET Q q 0 0 0 rg BT 220.55 500.75 Td (including ) Tj ET Q q 0 0 0 rg BT 262.84 500.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 286.77 500.75 Td (at ) Tj ET Q q 0 0 0 rg BT 297.92 500.75 Td (the ) Tj ET Q q 0 0 0 rg BT 314.64 500.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 351.36 500.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 391.40 500.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 417.01 500.75 Td (of ) Tj ET Q q 0 0 0 rg BT 428.16 500.75 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 470.44 500.75 Td (totaled ) Tj ET Q q 0 0 0 rg BT 503.28 500.75 Td ($22B ) Tj ET Q q 0 0 0 rg BT 529.44 500.75 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 488.75 Td (of ) Tj ET Q q 0 0 0 rg BT 83.12 488.75 Td (December ) Tj ET Q q 0 0 0 rg BT 132.02 488.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 148.70 488.75 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 72.00 87.77 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.61 83.00 Td ( ) Tj ET Q q 0 0 0 rg BT 78.39 83.00 Td (Stockholder's ) Tj ET Q q 0 0 0 rg BT 140.89 83.00 Td (equity ) Tj ET Q q 0 0 0 rg BT 170.35 83.00 Td (plus ) Tj ET Q q 0 0 0 rg BT 191.47 83.00 Td (long-term ) Tj ET Q q 0 0 0 rg BT 236.49 83.00 Td (notes-subordinated) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 1 J 1 j 3 M 72 104 m 216 104 l s /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I21 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 466.75 Td (1.2.4.3 ) Tj ET Q q 0 0 0 rg BT 105.36 466.75 Td ( ) Tj ET Q q 0 0 0 rg BT 108.14 466.75 Td (Capital) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 444.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.19 444.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.26 444.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 151.09 444.75 Td (s ) Tj ET Q q 0 0 0 rg BT 158.50 444.75 Td (objective ) Tj ET Q q 0 0 0 rg BT 200.37 444.75 Td (is ) Tj ET Q q 0 0 0 rg BT 210.00 444.75 Td (to ) Tj ET Q q 0 0 0 rg BT 220.75 444.75 Td (hold ) Tj ET Q q 0 0 0 rg BT 242.06 444.75 Td (adequate ) Tj ET Q q 0 0 0 rg BT 286.18 444.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 317.49 444.75 Td (to ) Tj ET Q q 0 0 0 rg BT 328.24 444.75 Td (support ) Tj ET Q q 0 0 0 rg BT 364.00 444.75 Td (its ) Tj ET Q q 0 0 0 rg BT 376.40 444.75 Td (risk-taking ) Tj ET Q q 0 0 0 rg BT 424.38 444.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 465.13 444.75 Td (and ) Tj ET Q q 0 0 0 rg BT 484.22 444.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 523.32 444.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 432.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 116.81 432.75 Td (strategies, ) Tj ET Q q 0 0 0 rg BT 165.50 432.75 Td (as ) Tj ET Q q 0 0 0 rg BT 178.62 432.75 Td (well ) Tj ET Q q 0 0 0 rg BT 198.41 432.75 Td (as ) Tj ET Q q 0 0 0 rg BT 211.53 432.75 Td (to ) Tj ET Q q 0 0 0 rg BT 222.43 432.75 Td (protect ) Tj ET Q q 0 0 0 rg BT 255.57 432.75 Td (the ) Tj ET Q q 0 0 0 rg BT 272.03 432.75 Td (viability ) Tj ET Q q 0 0 0 rg BT 307.38 432.75 Td (of ) Tj ET Q q 0 0 0 rg BT 318.28 432.75 Td (the ) Tj ET Q q 0 0 0 rg BT 334.74 432.75 Td (company ) Tj ET Q q 0 0 0 rg BT 377.88 432.75 Td (in ) Tj ET Q q 0 0 0 rg BT 388.22 432.75 Td (the ) Tj ET Q q 0 0 0 rg BT 404.69 432.75 Td (event ) Tj ET Q q 0 0 0 rg BT 431.71 432.75 Td (of ) Tj ET Q q 0 0 0 rg BT 442.61 432.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 481.86 432.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 502.21 432.75 Td (resulting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 420.75 Td (from ) Tj ET Q q 0 0 0 rg BT 94.53 420.75 Td (the ) Tj ET Q q 0 0 0 rg BT 110.96 420.75 Td (material ) Tj ET Q q 0 0 0 rg BT 149.05 420.75 Td (risks ) Tj ET Q q 0 0 0 rg BT 172.13 420.75 Td (to ) Tj ET Q q 0 0 0 rg BT 183.00 420.75 Td (which ) Tj ET Q q 0 0 0 rg BT 211.10 420.75 Td (it ) Tj ET Q q 0 0 0 rg BT 218.63 420.75 Td (is ) Tj ET Q q 0 0 0 rg BT 228.38 420.75 Td (exposed. ) Tj ET Q q 0 0 0 rg BT 271.33 420.75 Td (T) Tj ET Q q 0 0 0 rg BT 276.33 420.75 Td (o ) Tj ET Q q 0 0 0 rg BT 284.42 420.75 Td (achieve ) Tj ET Q q 0 0 0 rg BT 321.42 420.75 Td (this ) Tj ET Q q 0 0 0 rg BT 339.51 420.75 Td (objective, ) Tj ET Q q 0 0 0 rg BT 384.28 420.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 409.59 420.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 438.78 420.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 464.10 420.75 Td (has ) Tj ET Q q 0 0 0 rg BT 482.75 420.75 Td (implemented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 408.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 103.68 408.75 Td (management ) Tj ET Q q 0 0 0 rg BT 164.83 408.75 Td (processes ) Tj ET Q q 0 0 0 rg BT 213.19 408.75 Td (that:) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 384.59 cm /I22 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 386.75 Td (Continue ) Tj ET Q q 0 0 0 rg BT 152.16 386.75 Td (to ) Tj ET Q q 0 0 0 rg BT 164.63 386.75 Td (lend ) Tj ET Q q 0 0 0 rg BT 187.66 386.75 Td (and ) Tj ET Q q 0 0 0 rg BT 208.48 386.75 Td (profitably ) Tj ET Q q 0 0 0 rg BT 253.18 386.75 Td (grow ) Tj ET Q q 0 0 0 rg BT 278.99 386.75 Td (business ) Tj ET Q q 0 0 0 rg BT 322.58 386.75 Td (without ) Tj ET Q q 0 0 0 rg BT 358.40 386.75 Td (interruption, ) Tj ET Q q 0 0 0 rg BT 415.34 386.75 Td (consistent ) Tj ET Q q 0 0 0 rg BT 464.49 386.75 Td (with ) Tj ET Q q 0 0 0 rg BT 486.40 386.75 Td (its ) Tj ET Q q 0 0 0 rg BT 500.53 386.75 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 374.75 Td (strategies; ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 357.59 cm /I23 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 359.75 Td (Maintain ) Tj ET Q q 0 0 0 rg BT 148.58 359.75 Td (regulator ) Tj ET Q q 0 0 0 rg BT 190.82 359.75 Td (\(OCC ) Tj ET Q q 0 0 0 rg BT 219.15 359.75 Td (and ) Tj ET Q q 0 0 0 rg BT 238.62 359.75 Td (౦Ϸ\) ) Tj ET Q q 0 0 0 rg BT 270.83 359.75 Td (confidence; ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 342.59 cm /I24 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 344.75 Td (Maintain ) Tj ET Q q 0 0 0 rg BT 148.58 344.75 Td (customer ) Tj ET Q q 0 0 0 rg BT 192.48 344.75 Td (and ) Tj ET Q q 0 0 0 rg BT 211.94 344.75 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 270.30 344.75 Td (confidence; ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 327.59 cm /I25 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 329.75 Td (Raise ) Tj ET Q q 0 0 0 rg BT 136.34 329.75 Td (new ) Tj ET Q q 0 0 0 rg BT 157.47 329.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 191.37 329.75 Td (and ) Tj ET Q q 0 0 0 rg BT 210.84 329.75 Td (attract ) Tj ET Q q 0 0 0 rg BT 241.40 329.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 276.99 329.75 Td (at ) Tj ET Q q 0 0 0 rg BT 288.11 329.75 Td (a ) Tj ET Q q 0 0 0 rg BT 296.45 329.75 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 348.71 329.75 Td (cost; ) Tj ET Q q 0 0 0 rg BT 372.60 329.75 Td (and) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 305.59 cm /I26 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 307.75 Td (Provide ) Tj ET Q q 0 0 0 rg BT 144.17 307.75 Td (a ) Tj ET Q q 0 0 0 rg BT 151.99 307.75 Td (risk-adjusted ) Tj ET Q q 0 0 0 rg BT 210.94 307.75 Td (return ) Tj ET Q q 0 0 0 rg BT 239.33 307.75 Td (to ) Tj ET Q q 0 0 0 rg BT 249.93 307.75 Td (its ) Tj ET Q q 0 0 0 rg BT 262.19 307.75 Td (shareholder\(s\) ) Tj ET Q q 0 0 0 rg BT 328.92 307.75 Td (that ) Tj ET Q q 0 0 0 rg BT 347.86 307.75 Td (is ) Tj ET Q q 0 0 0 rg BT 357.35 307.75 Td (equal ) Tj ET Q q 0 0 0 rg BT 384.07 307.75 Td (to ) Tj ET Q q 0 0 0 rg BT 394.68 307.75 Td (or ) Tj ET Q q 0 0 0 rg BT 405.83 307.75 Td (greater ) Tj ET Q q 0 0 0 rg BT 439.77 307.75 Td (than ) Tj ET Q q 0 0 0 rg BT 461.50 307.75 Td (the ) Tj ET Q q 0 0 0 rg BT 477.66 307.75 Td (cost ) Tj ET Q q 0 0 0 rg BT 498.26 307.75 Td (of ) Tj ET Q q 0 0 0 rg BT 508.86 307.75 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 295.75 Td (and ) Tj ET Q q 0 0 0 rg BT 127.46 295.75 Td (commensurate ) Tj ET Q q 0 0 0 rg BT 196.38 295.75 Td (with ) Tj ET Q q 0 0 0 rg BT 216.94 295.75 Td (the ) Tj ET Q q 0 0 0 rg BT 233.62 295.75 Td (return ) Tj ET Q q 0 0 0 rg BT 262.52 295.75 Td (available ) Tj ET Q q 0 0 0 rg BT 304.77 295.75 Td (on ) Tj ET Q q 0 0 0 rg BT 318.67 295.75 Td (investment ) Tj ET Q q 0 0 0 rg BT 369.81 295.75 Td (alternatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 273.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 95.04 273.75 Td (is ) Tj ET Q q 0 0 0 rg BT 104.75 273.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 138.92 273.75 Td (to ) Tj ET Q q 0 0 0 rg BT 149.74 273.75 Td (the ) Tj ET Q q 0 0 0 rg BT 166.12 273.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 188.05 273.75 Td (Basel ) Tj ET Q q 0 0 0 rg BT 215.55 273.75 Td (III ) Tj ET Q q 0 0 0 rg BT 226.37 273.75 Td (standardized ) Tj ET Q q 0 0 0 rg BT 286.11 273.75 Td (approach ) Tj ET Q q 0 0 0 rg BT 330.29 273.75 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 378.90 273.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 410.29 273.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 471.13 273.75 Td (from ) Tj ET Q q 0 0 0 rg BT 493.61 273.75 Td (January ) Tj ET Q q 0 0 0 rg BT 531.67 273.75 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 261.75 Td (2015. ) Tj ET Q q 0 0 0 rg BT 99.70 261.75 Td (As ) Tj ET Q q 0 0 0 rg BT 114.72 261.75 Td (a ) Tj ET Q q 0 0 0 rg BT 123.62 261.75 Td (result ) Tj ET Q q 0 0 0 rg BT 151.42 261.75 Td (it ) Tj ET Q q 0 0 0 rg BT 159.77 261.75 Td (is ) Tj ET Q q 0 0 0 rg BT 170.33 261.75 Td (required ) Tj ET Q q 0 0 0 rg BT 210.37 261.75 Td (to ) Tj ET Q q 0 0 0 rg BT 222.05 261.75 Td (maintain ) Tj ET Q q 0 0 0 rg BT 263.19 261.75 Td (minimum ) Tj ET Q q 0 0 0 rg BT 307.09 261.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 341.56 261.75 Td (levels ) Tj ET Q q 0 0 0 rg BT 370.48 261.75 Td (with ) Tj ET Q q 0 0 0 rg BT 391.60 261.75 Td (respect ) Tj ET Q q 0 0 0 rg BT 427.74 261.75 Td (to ) Tj ET Q q 0 0 0 rg BT 439.42 261.75 Td (Common ) Tj ET Q q 0 0 0 rg BT 483.33 261.75 Td (Equity ) Tj ET Q q 0 0 0 rg BT 514.25 261.75 Td (T) Tj ET Q q 0 0 0 rg BT 519.99 261.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 534.45 261.75 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 249.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 105.71 249.75 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 130.35 249.75 Td (T) Tj ET Q q 0 0 0 rg BT 136.09 249.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 149.78 249.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 157.92 249.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 191.63 249.75 Td (ratio, ) Tj ET Q q 0 0 0 rg BT 216.27 249.75 Td (T) Tj ET Q q 0 0 0 rg BT 221.27 249.75 Td (otal ) Tj ET Q q 0 0 0 rg BT 239.97 249.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 273.68 249.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 295.71 249.75 Td (and ) Tj ET Q q 0 0 0 rg BT 314.81 249.75 Td (T) Tj ET Q q 0 0 0 rg BT 320.54 249.75 Td (ier ) Tj ET Q q 0 0 0 rg BT 334.24 249.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 342.38 249.75 Td (Leverage ) Tj ET Q q 0 0 0 rg BT 386.66 249.75 Td (ratio ) Tj ET Q q 0 0 0 rg BT 408.69 249.75 Td (as ) Tj ET Q q 0 0 0 rg BT 421.83 249.75 Td (mandated ) Tj ET Q q 0 0 0 rg BT 468.88 249.75 Td (by ) Tj ET Q q 0 0 0 rg BT 481.86 249.75 Td (T) Tj ET Q q 0 0 0 rg BT 487.59 249.75 Td (itle ) Tj ET Q q 0 0 0 rg BT 502.96 249.75 Td (12 ) Tj ET Q q 0 0 0 rg BT 516.66 249.75 Td (Parts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 237.75 Td (3 ) Tj ET Q q 0 0 0 rg BT 80.34 237.75 Td (& ) Tj ET Q q 0 0 0 rg BT 89.79 237.75 Td (6 ) Tj ET Q q 0 0 0 rg BT 98.13 237.75 Td (in ) Tj ET Q q 0 0 0 rg BT 108.69 237.75 Td (the ) Tj ET Q q 0 0 0 rg BT 125.37 237.75 Td (Code ) Tj ET Q q 0 0 0 rg BT 152.05 237.75 Td (of ) Tj ET Q q 0 0 0 rg BT 163.17 237.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 199.86 237.75 Td (Regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 215.75 Td (Since ) Tj ET Q q 0 0 0 rg BT 100.75 215.75 Td (capital ) Tj ET Q q 0 0 0 rg BT 133.40 215.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 195.50 215.75 Td (as ) Tj ET Q q 0 0 0 rg BT 209.80 215.75 Td (of ) Tj ET Q q 0 0 0 rg BT 221.88 215.75 Td (December ) Tj ET Q q 0 0 0 rg BT 271.74 215.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 289.38 215.75 Td (2014 ) Tj ET Q q 0 0 0 rg BT 315.37 215.75 Td (were ) Tj ET Q q 0 0 0 rg BT 340.78 215.75 Td (reported ) Tj ET Q q 0 0 0 rg BT 381.77 215.75 Td (under ) Tj ET Q q 0 0 0 rg BT 411.08 215.75 Td (standards ) Tj ET Q q 0 0 0 rg BT 458.74 215.75 Td (that ) Tj ET Q q 0 0 0 rg BT 479.15 215.75 Td (are ) Tj ET Q q 0 0 0 rg BT 497.35 215.75 Td (no ) Tj ET Q q 0 0 0 rg BT 512.21 215.75 Td (longer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 203.75 Td (applicable, ) Tj ET Q q 0 0 0 rg BT 122.59 203.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 148.15 203.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 177.59 203.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 202.42 203.75 Td (s ) Tj ET Q q 0 0 0 rg BT 210.20 203.75 Td (ratios ) Tj ET Q q 0 0 0 rg BT 237.43 203.75 Td (and ) Tj ET Q q 0 0 0 rg BT 256.90 203.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 318.04 203.75 Td (as ) Tj ET Q q 0 0 0 rg BT 331.38 203.75 Td (of ) Tj ET Q q 0 0 0 rg BT 342.49 203.75 Td (March ) Tj ET Q q 0 0 0 rg BT 373.05 203.75 Td (31, ) Tj ET Q q 0 0 0 rg BT 389.73 203.75 Td (2015 ) Tj ET Q q 0 0 0 rg BT 414.76 203.75 Td (were: ) Tj ET Q endstream endobj 47 0 obj <> endobj 48 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p23 ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (Figure 1.2.4.3-1 BMO Harris Bank's Capital Ratios) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 702.25 179.00 -25.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 251.50 702.25 86.00 -25.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 337.50 702.25 89.00 -25.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 426.50 702.25 114.00 -25.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 702.25 m 72.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 702.25 m 251.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 702.25 m 251.5 702.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 702.25 m 251.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 702.25 m 337.5 702.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 702.25 m 337.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 702.25 m 426.5 702.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 702.25 m 426.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 702.25 m 540.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 702.25 m 540.5 702.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 677.25 m 72.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 677.25 m 251.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 677.25 m 251.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 662.25 m 251.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 677.25 m 251.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 677.25 m 337.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 677.25 m 337.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 677.25 m 426.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 677.25 m 426.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 677.25 m 540.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 677.25 m 540.5 677.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 662.25 m 72.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 662.25 m 251.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 662.25 m 251.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 662.25 m 337.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 662.25 m 337.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 647.25 m 337.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 662.25 m 426.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 662.25 m 426.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 647.25 m 426.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 662.25 m 540.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 662.25 m 540.5 662.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 647.25 m 540.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 647.25 m 72.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 647.25 m 251.5 647.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 647.25 m 251.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 647.25 m 337.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 632.25 m 337.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 647.25 m 426.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 632.25 m 426.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 647.25 m 540.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 632.25 m 540.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 632.25 m 72.5 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 632.25 m 251.5 632.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 617.25 m 251.5 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 632.25 m 251.5 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 632.25 m 337.5 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 251.5 617.25 m 337.5 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 632.25 m 426.5 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 337.5 617.25 m 426.5 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 632.25 m 540.5 617.25 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 617.25 m 540.5 617.25 l s BT /F2 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 134.80 689.48 Td (Capital Ratios) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 121.45 681.48 Td ( as of March 31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 272.40 689.48 Td (Adequately) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 259.30 681.48 Td (Capitalized Levels) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 351.10 689.48 Td (Well Capitalized) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 369.00 681.48 Td (Levels) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 473.65 689.48 Td (BMO) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 460.50 681.48 Td (Harris Bank) Tj ET Q BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 75.00 666.48 Td (Common Equity Tier 1 \(CET1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.85 666.48 Td (4.5%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 372.35 666.48 Td (6.5%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.40 666.48 Td (15.76%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 651.48 Td (Tier 1 Capital Ratio) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.65 652.73 Td (6.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.15 652.73 Td (8.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.40 652.73 Td (15.76%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 636.48 Td (Total Capital Ratio) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.65 637.73 Td (8.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 367.90 637.73 Td (10.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.40 637.73 Td (17.05%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 75.00 621.48 Td (Tier 1 Leverage Ratio) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 282.65 622.73 Td (4.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.15 622.73 Td (5.00%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.40 622.73 Td (12.47%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 595.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 95.00 595.75 Td (will ) Tj ET Q q 0 0 0 rg BT 111.33 595.75 Td (be ) Tj ET Q q 0 0 0 rg BT 124.89 595.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 159.02 595.75 Td (to ) Tj ET Q q 0 0 0 rg BT 169.80 595.75 Td (the ) Tj ET Q q 0 0 0 rg BT 186.14 595.75 Td (requirements ) Tj ET Q q 0 0 0 rg BT 246.94 595.75 Td (of ) Tj ET Q q 0 0 0 rg BT 257.72 595.75 Td (the ) Tj ET Q q 0 0 0 rg BT 274.06 595.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 307.63 595.75 Td (Conservation ) Tj ET Q q 0 0 0 rg BT 368.99 595.75 Td (Buf) Tj ET Q q 0 0 0 rg BT 383.82 595.75 Td (fer ) Tj ET Q q 0 0 0 rg BT 397.93 595.75 Td (beginning ) Tj ET Q q 0 0 0 rg BT 443.75 595.75 Td (from ) Tj ET Q q 0 0 0 rg BT 466.19 595.75 Td (January ) Tj ET Q q 0 0 0 rg BT 504.20 595.75 Td (1, ) Tj ET Q q 0 0 0 rg BT 514.98 595.75 Td (2016. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 583.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 104.58 583.75 Td (distributions ) Tj ET Q q 0 0 0 rg BT 159.40 583.75 Td (and ) Tj ET Q q 0 0 0 rg BT 177.54 583.75 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 235.69 583.75 Td (bonus ) Tj ET Q q 0 0 0 rg BT 264.39 583.75 Td (payments ) Tj ET Q q 0 0 0 rg BT 309.20 583.75 Td (will ) Tj ET Q q 0 0 0 rg BT 324.55 583.75 Td (be ) Tj ET Q q 0 0 0 rg BT 337.13 583.75 Td (based ) Tj ET Q q 0 0 0 rg BT 365.83 583.75 Td (on ) Tj ET Q q 0 0 0 rg BT 378.41 583.75 Td (BHB) Tj ET Q q 0 0 0 rg BT 401.01 583.75 Td (s ) Tj ET Q q 0 0 0 rg BT 407.47 583.75 Td (ability ) Tj ET Q q 0 0 0 rg BT 434.49 583.75 Td (to ) Tj ET Q q 0 0 0 rg BT 444.29 583.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 467.98 583.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 499.45 583.75 Td (minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 571.75 Td (transitional ) Tj ET Q q 0 0 0 rg BT 123.47 571.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 157.71 571.75 Td (ratios. ) Tj ET Q q 0 0 0 rg BT 188.05 571.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 211.72 571.75 Td (continues ) Tj ET Q q 0 0 0 rg BT 257.63 571.75 Td (to ) Tj ET Q q 0 0 0 rg BT 269.08 571.75 Td (be ) Tj ET Q q 0 0 0 rg BT 283.32 571.75 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 354.23 571.75 Td (and ) Tj ET Q q 0 0 0 rg BT 374.03 571.75 Td (expects ) Tj ET Q q 0 0 0 rg BT 411.60 571.75 Td (to ) Tj ET Q q 0 0 0 rg BT 423.05 571.75 Td (have ) Tj ET Q q 0 0 0 rg BT 447.84 571.75 Td (no ) Tj ET Q q 0 0 0 rg BT 462.08 571.75 Td (issues ) Tj ET Q q 0 0 0 rg BT 493.53 571.75 Td (in ) Tj ET Q q 0 0 0 rg BT 504.42 571.75 Td (meeting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 559.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.68 559.75 Td (Capital ) Tj ET Q q 0 0 0 rg BT 122.59 559.75 Td (Conservation ) Tj ET Q q 0 0 0 rg BT 184.29 559.75 Td (Buf) Tj ET Q q 0 0 0 rg BT 199.11 559.75 Td (fer ) Tj ET Q q 0 0 0 rg BT 213.56 559.75 Td (requirements. ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I27 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 537.75 Td (1.2.5 ) Tj ET Q q 0 0 0 rg BT 97.02 537.75 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 537.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 150.38 537.75 Td (and ) Tj ET Q q 0 0 0 rg BT 170.94 537.75 Td (Hedging ) Tj ET Q q 0 0 0 rg BT 213.34 537.75 Td (Activities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 257.81 537.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 515.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 120.18 515.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 175.58 515.75 Td (are ) Tj ET Q q 0 0 0 rg BT 193.75 515.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 234.16 515.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 278.45 515.75 Td (that ) Tj ET Q q 0 0 0 rg BT 298.85 515.75 Td (derive ) Tj ET Q q 0 0 0 rg BT 329.80 515.75 Td (their ) Tj ET Q q 0 0 0 rg BT 352.97 515.75 Td (value ) Tj ET Q q 0 0 0 rg BT 380.60 515.75 Td (from ) Tj ET Q q 0 0 0 rg BT 404.31 515.75 Td (underlying ) Tj ET Q q 0 0 0 rg BT 454.18 515.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 495.70 515.75 Td (in ) Tj ET Q q 0 0 0 rg BT 507.20 515.75 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 503.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 99.95 503.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 133.46 503.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 179.77 503.75 Td (rates ) Tj ET Q q 0 0 0 rg BT 204.94 503.75 Td (or ) Tj ET Q q 0 0 0 rg BT 216.77 503.75 Td (other ) Tj ET Q q 0 0 0 rg BT 242.50 503.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 282.13 503.75 Td (or ) Tj ET Q q 0 0 0 rg BT 293.96 503.75 Td (commodity ) Tj ET Q q 0 0 0 rg BT 345.24 503.75 Td (prices ) Tj ET Q q 0 0 0 rg BT 374.86 503.75 Td (or ) Tj ET Q q 0 0 0 rg BT 386.69 503.75 Td (indices. ) Tj ET Q q 0 0 0 rg BT 423.53 503.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 470.93 503.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 525.55 503.75 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 491.75 Td (either ) Tj ET Q q 0 0 0 rg BT 98.83 491.75 Td (regulated ) Tj ET Q q 0 0 0 rg BT 142.35 491.75 Td (exchange-traded ) Tj ET Q q 0 0 0 rg BT 219.22 491.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 261.60 491.75 Td (or ) Tj ET Q q 0 0 0 rg BT 272.31 491.75 Td (negotiated ) Tj ET Q q 0 0 0 rg BT 320.84 491.75 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 396.02 491.75 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 441.19 491.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 465.78 491.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 494.27 491.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 518.88 491.75 Td (uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 479.75 Td (various ) Tj ET Q q 0 0 0 rg BT 106.46 479.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 151.48 479.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 190.39 479.75 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 247.08 479.75 Td (primarily ) Tj ET Q q 0 0 0 rg BT 287.08 479.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 322.10 479.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 341.55 479.75 Td (and ) Tj ET Q q 0 0 0 rg BT 360.46 479.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 393.26 479.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 438.86 479.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 483.88 479.75 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 529.45 479.75 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 467.75 Td (part ) Tj ET Q q 0 0 0 rg BT 91.26 467.75 Td (of ) Tj ET Q q 0 0 0 rg BT 101.63 467.75 Td (its ) Tj ET Q q 0 0 0 rg BT 113.66 467.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 146.26 467.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 186.64 467.75 Td (or ) Tj ET Q q 0 0 0 rg BT 197.56 467.75 Td (in ) Tj ET Q q 0 0 0 rg BT 207.37 467.75 Td (the ) Tj ET Q q 0 0 0 rg BT 223.30 467.75 Td (management ) Tj ET Q q 0 0 0 rg BT 283.70 467.75 Td (of ) Tj ET Q q 0 0 0 rg BT 294.07 467.75 Td (its ) Tj ET Q q 0 0 0 rg BT 306.10 467.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 323.68 467.75 Td (strategy) Tj ET Q q 0 0 0 rg BT 358.51 467.75 Td (. ) Tj ET Q q 0 0 0 rg BT 362.91 467.75 Td (All ) Tj ET Q q 0 0 0 rg BT 376.06 467.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 420.88 467.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 474.60 467.75 Td (are ) Tj ET Q q 0 0 0 rg BT 491.08 467.75 Td (designated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 455.75 Td (either ) Tj ET Q q 0 0 0 rg BT 99.79 455.75 Td (as ) Tj ET Q q 0 0 0 rg BT 113.13 455.75 Td (hedging ) Tj ET Q q 0 0 0 rg BT 151.50 455.75 Td (or ) Tj ET Q q 0 0 0 rg BT 163.17 455.75 Td (trading.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 433.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.65 433.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 129.18 433.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 155.84 433.75 Td (enters ) Tj ET Q q 0 0 0 rg BT 187.50 433.75 Td (into ) Tj ET Q q 0 0 0 rg BT 207.49 433.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 254.16 433.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 298.60 433.75 Td (with ) Tj ET Q q 0 0 0 rg BT 320.25 433.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 346.89 433.75 Td (to ) Tj ET Q q 0 0 0 rg BT 359.10 433.75 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 399.65 433.75 Td (more ) Tj ET Q q 0 0 0 rg BT 426.30 433.75 Td (ef) Tj ET Q q 0 0 0 rg BT 434.46 433.75 Td (ficient ) Tj ET Q q 0 0 0 rg BT 464.45 433.75 Td (use ) Tj ET Q q 0 0 0 rg BT 484.44 433.75 Td (of ) Tj ET Q q 0 0 0 rg BT 496.65 433.75 Td (combined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 421.75 Td (resources ) Tj ET Q q 0 0 0 rg BT 118.68 421.75 Td (and ) Tj ET Q q 0 0 0 rg BT 138.15 421.75 Td (to ) Tj ET Q q 0 0 0 rg BT 149.27 421.75 Td (better ) Tj ET Q q 0 0 0 rg BT 177.62 421.75 Td (serve ) Tj ET Q q 0 0 0 rg BT 204.85 421.75 Td (customers. ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 398.16552734375 m 167.41015625 398.16552734375 l s q 0 0 0 rg BT 72.00 399.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.37 399.75 Td (ypes ) Tj ET Q q 0 0 0 rg BT 102.94 399.75 Td (of ) Tj ET Q q 0 0 0 rg BT 115.15 399.75 Td (derivatives) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 384.75 Td (Swaps) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 369.75 Td (Swaps ) Tj ET Q q 0 0 0 rg BT 105.36 369.75 Td (are ) Tj ET Q q 0 0 0 rg BT 123.16 369.75 Td (contractual ) Tj ET Q q 0 0 0 rg BT 175.42 369.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 231.58 369.75 Td (between ) Tj ET Q q 0 0 0 rg BT 272.73 369.75 Td (two ) Tj ET Q q 0 0 0 rg BT 291.64 369.75 Td (parties ) Tj ET Q q 0 0 0 rg BT 325.00 369.75 Td (to ) Tj ET Q q 0 0 0 rg BT 336.69 369.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 383.40 369.75 Td (a ) Tj ET Q q 0 0 0 rg BT 392.31 369.75 Td (series ) Tj ET Q q 0 0 0 rg BT 422.33 369.75 Td (of ) Tj ET Q q 0 0 0 rg BT 434.02 369.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 458.49 369.75 Td (flows. ) Tj ET Q q 0 0 0 rg BT 487.18 369.75 Td (The ) Tj ET Q q 0 0 0 rg BT 507.76 369.75 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 357.75 Td (swap ) Tj ET Q q 0 0 0 rg BT 98.12 357.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 153.71 357.75 Td (that ) Tj ET Q q 0 0 0 rg BT 173.17 357.75 Td (the ) Tj ET Q q 0 0 0 rg BT 189.85 357.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 215.40 357.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 244.85 357.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 270.42 357.75 Td (may ) Tj ET Q q 0 0 0 rg BT 292.09 357.75 Td (enter ) Tj ET Q q 0 0 0 rg BT 317.66 357.75 Td (into ) Tj ET Q q 0 0 0 rg BT 336.56 357.75 Td (are ) Tj ET Q q 0 0 0 rg BT 353.79 357.75 Td (as ) Tj ET Q q 0 0 0 rg BT 367.13 357.75 Td (follows: ) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 333.59 cm /I28 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 335.75 Td (Interest ) Tj ET Q q 0 0 0 rg BT 144.41 335.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 164.71 335.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 196.11 335.75 Td ( ) Tj ET Q q 0 0 0 rg BT 204.74 335.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 271.17 335.75 Td (generally ) Tj ET Q q 0 0 0 rg BT 314.82 335.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 361.25 335.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 385.43 335.75 Td (and ) Tj ET Q q 0 0 0 rg BT 405.18 335.75 Td (floating ) Tj ET Q q 0 0 0 rg BT 440.49 335.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 460.78 335.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 496.64 335.75 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 323.75 Td (based ) Tj ET Q q 0 0 0 rg BT 138.02 323.75 Td (on ) Tj ET Q q 0 0 0 rg BT 151.93 323.75 Td (a ) Tj ET Q q 0 0 0 rg BT 160.27 323.75 Td (notional ) Tj ET Q q 0 0 0 rg BT 198.07 323.75 Td (value ) Tj ET Q q 0 0 0 rg BT 224.76 323.75 Td (in ) Tj ET Q q 0 0 0 rg BT 235.32 323.75 Td (a ) Tj ET Q q 0 0 0 rg BT 243.66 323.75 Td (single ) Tj ET Q q 0 0 0 rg BT 272.57 323.75 Td (currency) Tj ET Q q 0 0 0 rg BT 310.17 323.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 306.59 cm /I29 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 308.75 Td (Cross-currency ) Tj ET Q q 0 0 0 rg BT 177.22 308.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 207.00 308.75 Td (- ) Tj ET Q q 0 0 0 rg BT 211.77 308.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 234.32 308.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 252.99 308.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 287.21 308.75 Td (payments ) Tj ET Q q 0 0 0 rg BT 332.00 308.75 Td (and ) Tj ET Q q 0 0 0 rg BT 350.12 308.75 Td (principal ) Tj ET Q q 0 0 0 rg BT 388.80 308.75 Td (amounts ) Tj ET Q q 0 0 0 rg BT 428.59 308.75 Td (are ) Tj ET Q q 0 0 0 rg BT 444.47 308.75 Td (exchanged ) Tj ET Q q 0 0 0 rg BT 494.84 308.75 Td (in ) Tj ET Q q 0 0 0 rg BT 504.06 308.75 Td (dif) Tj ET Q q 0 0 0 rg BT 514.44 308.75 Td (ferent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 296.75 Td (currencies.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 279.59 cm /I30 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 281.75 Td (Cross-currency ) Tj ET Q q 0 0 0 rg BT 177.85 281.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 212.71 281.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 232.00 281.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 262.41 281.75 Td (- ) Tj ET Q q 0 0 0 rg BT 267.80 281.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 290.98 281.75 Td (and ) Tj ET Q q 0 0 0 rg BT 309.73 281.75 Td (floating ) Tj ET Q q 0 0 0 rg BT 344.04 281.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 363.33 281.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 398.19 281.75 Td (payments ) Tj ET Q q 0 0 0 rg BT 443.60 281.75 Td (and ) Tj ET Q q 0 0 0 rg BT 462.35 281.75 Td (principal ) Tj ET Q q 0 0 0 rg BT 501.65 281.75 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 269.75 Td (are ) Tj ET Q q 0 0 0 rg BT 125.23 269.75 Td (exchanged ) Tj ET Q q 0 0 0 rg BT 176.94 269.75 Td (in ) Tj ET Q q 0 0 0 rg BT 187.50 269.75 Td (dif) Tj ET Q q 0 0 0 rg BT 197.88 269.75 Td (ferent ) Tj ET Q q 0 0 0 rg BT 226.23 269.75 Td (currencies.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 252.59 cm /I31 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 254.75 Td (Equity ) Tj ET Q q 0 0 0 rg BT 137.36 254.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 167.27 254.75 Td (- ) Tj ET Q q 0 0 0 rg BT 172.17 254.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 237.11 254.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 282.05 254.75 Td (the ) Tj ET Q q 0 0 0 rg BT 297.52 254.75 Td (return ) Tj ET Q q 0 0 0 rg BT 325.21 254.75 Td (on ) Tj ET Q q 0 0 0 rg BT 337.90 254.75 Td (an ) Tj ET Q q 0 0 0 rg BT 350.59 254.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 378.84 254.75 Td (security ) Tj ET Q q 0 0 0 rg BT 414.87 254.75 Td (or ) Tj ET Q q 0 0 0 rg BT 425.33 254.75 Td (a ) Tj ET Q q 0 0 0 rg BT 432.46 254.75 Td (group ) Tj ET Q q 0 0 0 rg BT 459.60 254.75 Td (of ) Tj ET Q q 0 0 0 rg BT 469.51 254.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 497.76 254.75 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 242.75 Td (for ) Tj ET Q q 0 0 0 rg BT 122.54 242.75 Td (the ) Tj ET Q q 0 0 0 rg BT 139.31 242.75 Td (return ) Tj ET Q q 0 0 0 rg BT 168.31 242.75 Td (based ) Tj ET Q q 0 0 0 rg BT 198.42 242.75 Td (on ) Tj ET Q q 0 0 0 rg BT 212.42 242.75 Td (a ) Tj ET Q q 0 0 0 rg BT 220.85 242.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 244.84 242.75 Td (or ) Tj ET Q q 0 0 0 rg BT 256.60 242.75 Td (floating ) Tj ET Q q 0 0 0 rg BT 291.72 242.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 327.38 242.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 347.49 242.75 Td (or ) Tj ET Q q 0 0 0 rg BT 359.25 242.75 Td (the ) Tj ET Q q 0 0 0 rg BT 376.02 242.75 Td (return ) Tj ET Q q 0 0 0 rg BT 405.01 242.75 Td (on ) Tj ET Q q 0 0 0 rg BT 419.01 242.75 Td (another ) Tj ET Q q 0 0 0 rg BT 455.79 242.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 485.35 242.75 Td (security ) Tj ET Q q 0 0 0 rg BT 522.67 242.75 Td (or ) Tj ET Q q 0 0 0 rg BT 534.44 242.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 230.75 Td (group ) Tj ET Q q 0 0 0 rg BT 136.35 230.75 Td (of ) Tj ET Q q 0 0 0 rg BT 147.47 230.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 176.94 230.75 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 36.00 0 0 10.09 72.00 213.59 cm /I32 Do Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 215.75 Td (T) Tj ET Q q 0 0 0 rg BT 113.00 215.75 Td (otal ) Tj ET Q q 0 0 0 rg BT 131.49 215.75 Td (return ) Tj ET Q q 0 0 0 rg BT 159.98 215.75 Td (swaps ) Tj ET Q q 0 0 0 rg BT 190.70 215.75 Td (- ) Tj ET Q q 0 0 0 rg BT 196.40 215.75 Td (one ) Tj ET Q q 0 0 0 rg BT 215.45 215.75 Td (counter-party ) Tj ET Q q 0 0 0 rg BT 276.73 215.75 Td (agrees ) Tj ET Q q 0 0 0 rg BT 309.68 215.75 Td (to ) Tj ET Q q 0 0 0 rg BT 320.39 215.75 Td (pay ) Tj ET Q q 0 0 0 rg BT 338.88 215.75 Td (or ) Tj ET Q q 0 0 0 rg BT 350.14 215.75 Td (receive ) Tj ET Q q 0 0 0 rg BT 384.74 215.75 Td (from ) Tj ET Q q 0 0 0 rg BT 407.11 215.75 Td (the ) Tj ET Q q 0 0 0 rg BT 423.38 215.75 Td (other ) Tj ET Q q 0 0 0 rg BT 448.54 215.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 472.04 215.75 Td (amounts ) Tj ET Q q 0 0 0 rg BT 512.76 215.75 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 203.75 Td (on ) Tj ET Q q 0 0 0 rg BT 120.89 203.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 160.46 203.75 Td (in ) Tj ET Q q 0 0 0 rg BT 170.00 203.75 Td (the ) Tj ET Q q 0 0 0 rg BT 185.67 203.75 Td (value ) Tj ET Q q 0 0 0 rg BT 211.34 203.75 Td (of ) Tj ET Q q 0 0 0 rg BT 221.44 203.75 Td (a ) Tj ET Q q 0 0 0 rg BT 228.77 203.75 Td (reference ) Tj ET Q q 0 0 0 rg BT 272.78 203.75 Td (asset ) Tj ET Q q 0 0 0 rg BT 298.44 203.75 Td (or ) Tj ET Q q 0 0 0 rg BT 309.10 203.75 Td (group ) Tj ET Q q 0 0 0 rg BT 336.44 203.75 Td (of ) Tj ET Q q 0 0 0 rg BT 346.54 203.75 Td (assets, ) Tj ET Q q 0 0 0 rg BT 379.99 203.75 Td (including ) Tj ET Q q 0 0 0 rg BT 421.22 203.75 Td (any ) Tj ET Q q 0 0 0 rg BT 439.11 203.75 Td (returns ) Tj ET Q q 0 0 0 rg BT 472.00 203.75 Td (such ) Tj ET Q q 0 0 0 rg BT 494.88 203.75 Td (as ) Tj ET Q q 0 0 0 rg BT 507.21 203.75 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.00 191.75 Td (earned ) Tj ET Q q 0 0 0 rg BT 141.25 191.75 Td (on ) Tj ET Q q 0 0 0 rg BT 154.49 191.75 Td (these ) Tj ET Q q 0 0 0 rg BT 181.07 191.75 Td (assets, ) Tj ET Q q 0 0 0 rg BT 214.87 191.75 Td (in ) Tj ET Q q 0 0 0 rg BT 224.77 191.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 270.25 191.75 Td (for ) Tj ET Q q 0 0 0 rg BT 284.04 191.75 Td (amounts ) Tj ET Q q 0 0 0 rg BT 324.51 191.75 Td (that ) Tj ET Q q 0 0 0 rg BT 343.31 191.75 Td (are ) Tj ET Q q 0 0 0 rg BT 359.88 191.75 Td (based ) Tj ET Q q 0 0 0 rg BT 389.24 191.75 Td (on ) Tj ET Q q 0 0 0 rg BT 402.48 191.75 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 447.40 191.75 Td (market ) Tj ET Q q 0 0 0 rg BT 480.07 191.75 Td (funding ) Tj ET Q q 0 0 0 rg BT 515.00 191.75 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 169.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.34 169.75 Td (main ) Tj ET Q q 0 0 0 rg BT 117.13 169.75 Td (risks ) Tj ET Q q 0 0 0 rg BT 140.80 169.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 191.72 169.75 Td (with ) Tj ET Q q 0 0 0 rg BT 212.62 169.75 Td (these ) Tj ET Q q 0 0 0 rg BT 240.19 169.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 294.99 169.75 Td (are ) Tj ET Q q 0 0 0 rg BT 312.56 169.75 Td (related ) Tj ET Q q 0 0 0 rg BT 346.25 169.75 Td (to ) Tj ET Q q 0 0 0 rg BT 357.70 169.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 401.95 169.75 Td (to ) Tj ET Q q 0 0 0 rg BT 413.40 169.75 Td (movements ) Tj ET Q q 0 0 0 rg BT 468.20 169.75 Td (in ) Tj ET Q q 0 0 0 rg BT 479.10 169.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 515.00 169.75 Td (rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 157.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 104.18 157.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 149.14 157.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 175.75 157.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 201.81 157.75 Td (quality) Tj ET Q q 0 0 0 rg BT 229.97 157.75 Td (, ) Tj ET Q q 0 0 0 rg BT 234.35 157.75 Td (securities ) Tj ET Q q 0 0 0 rg BT 278.18 157.75 Td (values ) Tj ET Q q 0 0 0 rg BT 308.69 157.75 Td (or ) Tj ET Q q 0 0 0 rg BT 319.18 157.75 Td (commodities ) Tj ET Q q 0 0 0 rg BT 376.91 157.75 Td (prices, ) Tj ET Q q 0 0 0 rg BT 407.96 157.75 Td (as ) Tj ET Q q 0 0 0 rg BT 420.12 157.75 Td (applicable, ) Tj ET Q q 0 0 0 rg BT 469.54 157.75 Td (and ) Tj ET Q q 0 0 0 rg BT 487.82 157.75 Td (the ) Tj ET Q q 0 0 0 rg BT 503.32 157.75 Td (possible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 145.75 Td (inability ) Tj ET Q q 0 0 0 rg BT 108.13 145.75 Td (of ) Tj ET Q q 0 0 0 rg BT 119.25 145.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 185.39 145.75 Td (to ) Tj ET Q q 0 0 0 rg BT 196.51 145.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 221.52 145.75 Td (the ) Tj ET Q q 0 0 0 rg BT 238.20 145.75 Td (terms ) Tj ET Q q 0 0 0 rg BT 265.98 145.75 Td (of ) Tj ET Q q 0 0 0 rg BT 277.10 145.75 Td (the ) Tj ET Q q 0 0 0 rg BT 293.78 145.75 Td (contracts.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 123.75 Td (Forwards ) Tj ET Q q 0 0 0 rg BT 119.79 123.75 Td (and ) Tj ET Q q 0 0 0 rg BT 140.34 123.75 Td (futures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 108.75 Td (Forwards ) Tj ET Q q 0 0 0 rg BT 117.23 108.75 Td (and ) Tj ET Q q 0 0 0 rg BT 137.47 108.75 Td (futures ) Tj ET Q q 0 0 0 rg BT 171.59 108.75 Td (are ) Tj ET Q q 0 0 0 rg BT 189.60 108.75 Td (contractual ) Tj ET Q q 0 0 0 rg BT 242.07 108.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 298.43 108.75 Td (to ) Tj ET Q q 0 0 0 rg BT 310.33 108.75 Td (either ) Tj ET Q q 0 0 0 rg BT 338.90 108.75 Td (buy ) Tj ET Q q 0 0 0 rg BT 358.57 108.75 Td (or ) Tj ET Q q 0 0 0 rg BT 371.02 108.75 Td (sell ) Tj ET Q q 0 0 0 rg BT 389.58 108.75 Td (a ) Tj ET Q q 0 0 0 rg BT 398.69 108.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 441.72 108.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 478.62 108.75 Td (of ) Tj ET Q q 0 0 0 rg BT 490.52 108.75 Td (a ) Tj ET Q q 0 0 0 rg BT 499.63 108.75 Td (currency) Tj ET Q q 0 0 0 rg BT 537.24 108.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 96.75 Td (commodity) Tj ET Q q 0 0 0 rg BT 119.60 96.75 Td (, ) Tj ET Q q 0 0 0 rg BT 125.02 96.75 Td (interest-rate-sensitive ) Tj ET Q q 0 0 0 rg BT 223.24 96.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 262.56 96.75 Td (instrument ) Tj ET Q q 0 0 0 rg BT 311.88 96.75 Td (or ) Tj ET Q q 0 0 0 rg BT 323.41 96.75 Td (security ) Tj ET Q q 0 0 0 rg BT 360.50 96.75 Td (at ) Tj ET Q q 0 0 0 rg BT 371.47 96.75 Td (a ) Tj ET Q q 0 0 0 rg BT 379.67 96.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 415.65 96.75 Td (price ) Tj ET Q q 0 0 0 rg BT 439.95 96.75 Td (and ) Tj ET Q q 0 0 0 rg BT 459.27 96.75 Td (at ) Tj ET Q q 0 0 0 rg BT 470.25 96.75 Td (a ) Tj ET Q q 0 0 0 rg BT 478.44 96.75 Td (specific ) Tj ET Q q 0 0 0 rg BT 514.42 96.75 Td (future ) Tj ET Q endstream endobj 49 0 obj <> endobj 50 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p24 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (date. ) Tj ET Q q 0 0 0 rg BT 96.60 712.75 Td (Forwards ) Tj ET Q q 0 0 0 rg BT 140.64 712.75 Td (are ) Tj ET Q q 0 0 0 rg BT 157.46 712.75 Td (customized ) Tj ET Q q 0 0 0 rg BT 210.40 712.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 253.33 712.75 Td (transacted ) Tj ET Q q 0 0 0 rg BT 302.39 712.75 Td (in ) Tj ET Q q 0 0 0 rg BT 312.54 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 328.80 712.75 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 404.53 712.75 Td (market. ) Tj ET Q q 0 0 0 rg BT 440.24 712.75 Td (Futures ) Tj ET Q q 0 0 0 rg BT 476.50 712.75 Td (are ) Tj ET Q q 0 0 0 rg BT 493.32 712.75 Td (transacted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (in ) Tj ET Q q 0 0 0 rg BT 82.56 700.75 Td (standardized ) Tj ET Q q 0 0 0 rg BT 142.60 700.75 Td (amounts ) Tj ET Q q 0 0 0 rg BT 183.73 700.75 Td (on ) Tj ET Q q 0 0 0 rg BT 197.63 700.75 Td (regulated ) Tj ET Q q 0 0 0 rg BT 242.11 700.75 Td (exchanges ) Tj ET Q q 0 0 0 rg BT 293.26 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 312.72 700.75 Td (are ) Tj ET Q q 0 0 0 rg BT 329.95 700.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 364.42 700.75 Td (to ) Tj ET Q q 0 0 0 rg BT 375.54 700.75 Td (daily ) Tj ET Q q 0 0 0 rg BT 398.88 700.75 Td (cash ) Tj ET Q q 0 0 0 rg BT 422.78 700.75 Td (margining.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 678.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.81 678.75 Td (main ) Tj ET Q q 0 0 0 rg BT 120.06 678.75 Td (risks ) Tj ET Q q 0 0 0 rg BT 145.18 678.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 197.57 678.75 Td (with ) Tj ET Q q 0 0 0 rg BT 219.92 678.75 Td (these ) Tj ET Q q 0 0 0 rg BT 248.96 678.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 305.22 678.75 Td (arise ) Tj ET Q q 0 0 0 rg BT 331.47 678.75 Td (from ) Tj ET Q q 0 0 0 rg BT 356.05 678.75 Td (the ) Tj ET Q q 0 0 0 rg BT 374.52 678.75 Td (possible ) Tj ET Q q 0 0 0 rg BT 415.79 678.75 Td (inability ) Tj ET Q q 0 0 0 rg BT 453.71 678.75 Td (of ) Tj ET Q q 0 0 0 rg BT 466.63 678.75 Td (over-the-counter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 138.82 666.75 Td (to ) Tj ET Q q 0 0 0 rg BT 150.62 666.75 Td (meet ) Tj ET Q q 0 0 0 rg BT 176.31 666.75 Td (the ) Tj ET Q q 0 0 0 rg BT 193.66 666.75 Td (terms ) Tj ET Q q 0 0 0 rg BT 222.12 666.75 Td (of ) Tj ET Q q 0 0 0 rg BT 233.91 666.75 Td (the ) Tj ET Q q 0 0 0 rg BT 251.27 666.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 295.29 666.75 Td (and ) Tj ET Q q 0 0 0 rg BT 315.43 666.75 Td (from ) Tj ET Q q 0 0 0 rg BT 338.89 666.75 Td (movements ) Tj ET Q q 0 0 0 rg BT 394.03 666.75 Td (in ) Tj ET Q q 0 0 0 rg BT 405.27 666.75 Td (commodities ) Tj ET Q q 0 0 0 rg BT 464.85 666.75 Td (prices, ) Tj ET Q q 0 0 0 rg BT 497.76 666.75 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 654.75 Td (values, ) Tj ET Q q 0 0 0 rg BT 106.46 654.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 142.03 654.75 Td (rates ) Tj ET Q q 0 0 0 rg BT 167.04 654.75 Td (and ) Tj ET Q q 0 0 0 rg BT 186.51 654.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 219.86 654.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 266.01 654.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 293.80 654.75 Td (as ) Tj ET Q q 0 0 0 rg BT 307.14 654.75 Td (applicable.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 632.75 Td (Options) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 617.75 Td (Options ) Tj ET Q q 0 0 0 rg BT 108.99 617.75 Td (are ) Tj ET Q q 0 0 0 rg BT 125.97 617.75 Td (contractual ) Tj ET Q q 0 0 0 rg BT 177.42 617.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 232.75 617.75 Td (that ) Tj ET Q q 0 0 0 rg BT 251.96 617.75 Td (convey ) Tj ET Q q 0 0 0 rg BT 286.18 617.75 Td (to ) Tj ET Q q 0 0 0 rg BT 297.05 617.75 Td (the ) Tj ET Q q 0 0 0 rg BT 313.48 617.75 Td (buyer ) Tj ET Q q 0 0 0 rg BT 341.02 617.75 Td (the ) Tj ET Q q 0 0 0 rg BT 357.45 617.75 Td (right ) Tj ET Q q 0 0 0 rg BT 379.43 617.75 Td (but ) Tj ET Q q 0 0 0 rg BT 395.86 617.75 Td (not ) Tj ET Q q 0 0 0 rg BT 412.29 617.75 Td (the ) Tj ET Q q 0 0 0 rg BT 428.72 617.75 Td (obligation ) Tj ET Q q 0 0 0 rg BT 474.06 617.75 Td (to ) Tj ET Q q 0 0 0 rg BT 484.93 617.75 Td (either ) Tj ET Q q 0 0 0 rg BT 512.48 617.75 Td (buy ) Tj ET Q q 0 0 0 rg BT 531.13 617.75 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 605.75 Td (sell ) Tj ET Q q 0 0 0 rg BT 90.03 605.75 Td (a ) Tj ET Q q 0 0 0 rg BT 98.61 605.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 141.11 605.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 177.48 605.75 Td (of ) Tj ET Q q 0 0 0 rg BT 188.85 605.75 Td (a ) Tj ET Q q 0 0 0 rg BT 197.43 605.75 Td (currency) Tj ET Q q 0 0 0 rg BT 235.04 605.75 Td (, ) Tj ET Q q 0 0 0 rg BT 240.84 605.75 Td (commodity) Tj ET Q q 0 0 0 rg BT 288.44 605.75 Td (, ) Tj ET Q q 0 0 0 rg BT 294.24 605.75 Td (interest-rate-sensitive ) Tj ET Q q 0 0 0 rg BT 392.86 605.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.57 605.75 Td (instrument ) Tj ET Q q 0 0 0 rg BT 482.28 605.75 Td (or ) Tj ET Q q 0 0 0 rg BT 494.20 605.75 Td (security ) Tj ET Q q 0 0 0 rg BT 531.67 605.75 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 593.75 Td (a ) Tj ET Q q 0 0 0 rg BT 79.58 593.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 102.73 593.75 Td (future ) Tj ET Q q 0 0 0 rg BT 130.32 593.75 Td (date ) Tj ET Q q 0 0 0 rg BT 151.80 593.75 Td (or ) Tj ET Q q 0 0 0 rg BT 162.72 593.75 Td (within ) Tj ET Q q 0 0 0 rg BT 190.31 593.75 Td (a ) Tj ET Q q 0 0 0 rg BT 197.89 593.75 Td (fixed ) Tj ET Q q 0 0 0 rg BT 221.03 593.75 Td (future ) Tj ET Q q 0 0 0 rg BT 248.63 593.75 Td (period. ) Tj ET Q q 0 0 0 rg BT 280.82 593.75 Td (As ) Tj ET Q q 0 0 0 rg BT 294.51 593.75 Td (a ) Tj ET Q q 0 0 0 rg BT 302.10 593.75 Td (writer ) Tj ET Q q 0 0 0 rg BT 328.56 593.75 Td (of ) Tj ET Q q 0 0 0 rg BT 338.92 593.75 Td (options, ) Tj ET Q q 0 0 0 rg BT 375.97 593.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 400.77 593.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 429.46 593.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 454.27 593.75 Td (receives ) Tj ET Q q 0 0 0 rg BT 493.53 593.75 Td (a ) Tj ET Q q 0 0 0 rg BT 501.11 593.75 Td (premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 581.75 Td (from ) Tj ET Q q 0 0 0 rg BT 94.58 581.75 Td (the ) Tj ET Q q 0 0 0 rg BT 111.07 581.75 Td (purchaser ) Tj ET Q q 0 0 0 rg BT 158.12 581.75 Td (for ) Tj ET Q q 0 0 0 rg BT 172.37 581.75 Td (accepting ) Tj ET Q q 0 0 0 rg BT 217.76 581.75 Td (market ) Tj ET Q q 0 0 0 rg BT 250.91 581.75 Td (risk. ) Tj ET Q q 0 0 0 rg BT 271.31 581.75 Td (As ) Tj ET Q q 0 0 0 rg BT 285.56 581.75 Td (a ) Tj ET Q q 0 0 0 rg BT 293.70 581.75 Td (purchaser ) Tj ET Q q 0 0 0 rg BT 340.75 581.75 Td (of ) Tj ET Q q 0 0 0 rg BT 351.68 581.75 Td (options, ) Tj ET Q q 0 0 0 rg BT 389.28 581.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 414.65 581.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 443.89 581.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 469.27 581.75 Td (pays ) Tj ET Q q 0 0 0 rg BT 492.98 581.75 Td (a ) Tj ET Q q 0 0 0 rg BT 501.12 581.75 Td (premium ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 569.75 Td (for ) Tj ET Q q 0 0 0 rg BT 87.37 569.75 Td (the ) Tj ET Q q 0 0 0 rg BT 104.98 569.75 Td (right ) Tj ET Q q 0 0 0 rg BT 128.14 569.75 Td (to ) Tj ET Q q 0 0 0 rg BT 140.18 569.75 Td (exercise ) Tj ET Q q 0 0 0 rg BT 181.12 569.75 Td (the ) Tj ET Q q 0 0 0 rg BT 198.72 569.75 Td (option. ) Tj ET Q q 0 0 0 rg BT 232.45 569.75 Td (Since ) Tj ET Q q 0 0 0 rg BT 261.17 569.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 287.65 569.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 318.02 569.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 344.52 569.75 Td (has ) Tj ET Q q 0 0 0 rg BT 364.34 569.75 Td (no ) Tj ET Q q 0 0 0 rg BT 379.17 569.75 Td (obligation ) Tj ET Q q 0 0 0 rg BT 425.69 569.75 Td (to ) Tj ET Q q 0 0 0 rg BT 437.73 569.75 Td (exercise ) Tj ET Q q 0 0 0 rg BT 478.67 569.75 Td (the ) Tj ET Q q 0 0 0 rg BT 496.27 569.75 Td (option, ) Tj ET Q q 0 0 0 rg BT 530.00 569.75 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 557.75 Td (primary ) Tj ET Q q 0 0 0 rg BT 108.15 557.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 152.09 557.75 Td (to ) Tj ET Q q 0 0 0 rg BT 163.25 557.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 181.61 557.75 Td (is ) Tj ET Q q 0 0 0 rg BT 191.64 557.75 Td (the ) Tj ET Q q 0 0 0 rg BT 208.35 557.75 Td (potential ) Tj ET Q q 0 0 0 rg BT 248.97 557.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 276.24 557.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 294.60 557.75 Td (if ) Tj ET Q q 0 0 0 rg BT 302.41 557.75 Td (the ) Tj ET Q q 0 0 0 rg BT 319.12 557.75 Td (writer ) Tj ET Q q 0 0 0 rg BT 346.38 557.75 Td (of ) Tj ET Q q 0 0 0 rg BT 357.53 557.75 Td (an ) Tj ET Q q 0 0 0 rg BT 371.46 557.75 Td (over-the-counter ) Tj ET Q q 0 0 0 rg BT 447.64 557.75 Td (contract ) Tj ET Q q 0 0 0 rg BT 486.02 557.75 Td (fails ) Tj ET Q q 0 0 0 rg BT 506.62 557.75 Td (to ) Tj ET Q q 0 0 0 rg BT 517.77 557.75 Td (meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 545.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.68 545.75 Td (terms ) Tj ET Q q 0 0 0 rg BT 116.46 545.75 Td (of ) Tj ET Q q 0 0 0 rg BT 127.58 545.75 Td (the ) Tj ET Q q 0 0 0 rg BT 144.26 545.75 Td (contract.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 523.75 Td (Caps, ) Tj ET Q q 0 0 0 rg BT 102.59 523.75 Td (collars ) Tj ET Q q 0 0 0 rg BT 135.95 523.75 Td (and ) Tj ET Q q 0 0 0 rg BT 157.10 523.75 Td (floors ) Tj ET Q q 0 0 0 rg BT 186.01 523.75 Td (are ) Tj ET Q q 0 0 0 rg BT 204.93 523.75 Td (specialized ) Tj ET Q q 0 0 0 rg BT 258.87 523.75 Td (types ) Tj ET Q q 0 0 0 rg BT 287.23 523.75 Td (of ) Tj ET Q q 0 0 0 rg BT 300.04 523.75 Td (written ) Tj ET Q q 0 0 0 rg BT 333.96 523.75 Td (and ) Tj ET Q q 0 0 0 rg BT 355.11 523.75 Td (purchased ) Tj ET Q q 0 0 0 rg BT 406.27 523.75 Td (options. ) Tj ET Q q 0 0 0 rg BT 445.47 523.75 Td (They ) Tj ET Q q 0 0 0 rg BT 472.16 523.75 Td (are ) Tj ET Q q 0 0 0 rg BT 491.08 523.75 Td (contractual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 511.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 129.18 511.75 Td (where ) Tj ET Q q 0 0 0 rg BT 160.78 511.75 Td (the ) Tj ET Q q 0 0 0 rg BT 179.05 511.75 Td (writer ) Tj ET Q q 0 0 0 rg BT 207.86 511.75 Td (agrees ) Tj ET Q q 0 0 0 rg BT 242.80 511.75 Td (to ) Tj ET Q q 0 0 0 rg BT 255.51 511.75 Td (pay ) Tj ET Q q 0 0 0 rg BT 276.00 511.75 Td (the ) Tj ET Q q 0 0 0 rg BT 294.27 511.75 Td (purchaser) Tj ET Q q 0 0 0 rg BT 338.19 511.75 Td (, ) Tj ET Q q 0 0 0 rg BT 345.33 511.75 Td (based ) Tj ET Q q 0 0 0 rg BT 376.95 511.75 Td (on ) Tj ET Q q 0 0 0 rg BT 392.44 511.75 Td (a ) Tj ET Q q 0 0 0 rg BT 402.37 511.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 446.20 511.75 Td (notional ) Tj ET Q q 0 0 0 rg BT 485.60 511.75 Td (amount, ) Tj ET Q q 0 0 0 rg BT 526.10 511.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 499.75 Td (dif) Tj ET Q q 0 0 0 rg BT 82.38 499.75 Td (ference ) Tj ET Q q 0 0 0 rg BT 118.53 499.75 Td (between ) Tj ET Q q 0 0 0 rg BT 159.14 499.75 Td (the ) Tj ET Q q 0 0 0 rg BT 175.84 499.75 Td (market ) Tj ET Q q 0 0 0 rg BT 209.20 499.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 229.22 499.75 Td (and ) Tj ET Q q 0 0 0 rg BT 248.71 499.75 Td (the ) Tj ET Q q 0 0 0 rg BT 265.40 499.75 Td (prescribed ) Tj ET Q q 0 0 0 rg BT 314.89 499.75 Td (rate ) Tj ET Q q 0 0 0 rg BT 334.92 499.75 Td (of ) Tj ET Q q 0 0 0 rg BT 346.06 499.75 Td (the ) Tj ET Q q 0 0 0 rg BT 362.76 499.75 Td (cap, ) Tj ET Q q 0 0 0 rg BT 384.46 499.75 Td (collar ) Tj ET Q q 0 0 0 rg BT 411.15 499.75 Td (or ) Tj ET Q q 0 0 0 rg BT 422.84 499.75 Td (floor) Tj ET Q q 0 0 0 rg BT 441.74 499.75 Td (. ) Tj ET Q q 0 0 0 rg BT 447.13 499.75 Td (The ) Tj ET Q q 0 0 0 rg BT 467.16 499.75 Td (writer ) Tj ET Q q 0 0 0 rg BT 494.40 499.75 Td (receives ) Tj ET Q q 0 0 0 rg BT 534.44 499.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 487.75 Td (premium ) Tj ET Q q 0 0 0 rg BT 113.67 487.75 Td (for ) Tj ET Q q 0 0 0 rg BT 128.12 487.75 Td (selling ) Tj ET Q q 0 0 0 rg BT 159.25 487.75 Td (this ) Tj ET Q q 0 0 0 rg BT 177.59 487.75 Td (instrument.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 464.16552734375 m 182.0634765625 464.16552734375 l s q 0 0 0 rg BT 72.00 465.75 Td (Derivative-related ) Tj ET Q q 0 0 0 rg BT 158.71 465.75 Td (risks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 450.75 Td (Over-the-counter ) Tj ET Q q 0 0 0 rg BT 154.26 450.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 203.73 450.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 262.08 450.75 Td (are ) Tj ET Q q 0 0 0 rg BT 283.21 450.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 321.57 450.75 Td (to ) Tj ET Q q 0 0 0 rg BT 336.58 450.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 367.70 450.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 389.93 450.75 Td (arising ) Tj ET Q q 0 0 0 rg BT 426.06 450.75 Td (from ) Tj ET Q q 0 0 0 rg BT 452.73 450.75 Td (the ) Tj ET Q q 0 0 0 rg BT 473.30 450.75 Td (possibility ) Tj ET Q q 0 0 0 rg BT 523.32 450.75 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 438.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 137.38 438.75 Td (may ) Tj ET Q q 0 0 0 rg BT 158.28 438.75 Td (default ) Tj ET Q q 0 0 0 rg BT 190.32 438.75 Td (on ) Tj ET Q q 0 0 0 rg BT 203.45 438.75 Td (their ) Tj ET Q q 0 0 0 rg BT 224.91 438.75 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 277.38 438.75 Td (The ) Tj ET Q q 0 0 0 rg BT 296.63 438.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 323.09 438.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 340.65 438.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 390.47 438.75 Td (with ) Tj ET Q q 0 0 0 rg BT 410.26 438.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 460.07 438.75 Td (is ) Tj ET Q q 0 0 0 rg BT 469.30 438.75 Td (normally ) Tj ET Q q 0 0 0 rg BT 509.10 438.75 Td (a ) Tj ET Q q 0 0 0 rg BT 516.67 438.75 Td (small ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 426.75 Td (fraction ) Tj ET Q q 0 0 0 rg BT 108.60 426.75 Td (of ) Tj ET Q q 0 0 0 rg BT 120.74 426.75 Td (the ) Tj ET Q q 0 0 0 rg BT 138.45 426.75 Td (notional ) Tj ET Q q 0 0 0 rg BT 177.28 426.75 Td (amount ) Tj ET Q q 0 0 0 rg BT 214.44 426.75 Td (of ) Tj ET Q q 0 0 0 rg BT 226.58 426.75 Td (the ) Tj ET Q q 0 0 0 rg BT 244.29 426.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 290.89 426.75 Td (instrument. ) Tj ET Q q 0 0 0 rg BT 344.15 426.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 392.42 426.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 436.79 426.75 Td (generally ) Tj ET Q q 0 0 0 rg BT 481.17 426.75 Td (expose ) Tj ET Q q 0 0 0 rg BT 517.22 426.75 Td (BMO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 414.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 101.88 414.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 127.88 414.75 Td (to ) Tj ET Q q 0 0 0 rg BT 139.43 414.75 Td (potential ) Tj ET Q q 0 0 0 rg BT 180.45 414.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 208.11 414.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 229.10 414.75 Td (if ) Tj ET Q q 0 0 0 rg BT 237.31 414.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 278.33 414.75 Td (in ) Tj ET Q q 0 0 0 rg BT 289.32 414.75 Td (market ) Tj ET Q q 0 0 0 rg BT 323.09 414.75 Td (rates ) Tj ET Q q 0 0 0 rg BT 348.54 414.75 Td (af) Tj ET Q q 0 0 0 rg BT 356.69 414.75 Td (fect ) Tj ET Q q 0 0 0 rg BT 376.02 414.75 Td (a ) Tj ET Q q 0 0 0 rg BT 384.79 414.75 Td (counterparty) Tj ET Q q 0 0 0 rg BT 442.42 414.75 Td (s ) Tj ET Q q 0 0 0 rg BT 450.63 414.75 Td (position ) Tj ET Q q 0 0 0 rg BT 488.31 414.75 Td (unfavorably ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 402.75 Td (and ) Tj ET Q q 0 0 0 rg BT 90.48 402.75 Td (the ) Tj ET Q q 0 0 0 rg BT 106.18 402.75 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 163.56 402.75 Td (defaults ) Tj ET Q q 0 0 0 rg BT 200.38 402.75 Td (on ) Tj ET Q q 0 0 0 rg BT 213.30 402.75 Td (payment. ) Tj ET Q q 0 0 0 rg BT 256.23 402.75 Td (Credit ) Tj ET Q q 0 0 0 rg BT 284.70 402.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 302.05 402.75 Td (is ) Tj ET Q q 0 0 0 rg BT 311.06 402.75 Td (represented ) Tj ET Q q 0 0 0 rg BT 366.23 402.75 Td (by ) Tj ET Q q 0 0 0 rg BT 378.59 402.75 Td (the ) Tj ET Q q 0 0 0 rg BT 394.28 402.75 Td (positive ) Tj ET Q q 0 0 0 rg BT 429.99 402.75 Td (fair ) Tj ET Q q 0 0 0 rg BT 445.67 402.75 Td (value ) Tj ET Q q 0 0 0 rg BT 471.38 402.75 Td (of ) Tj ET Q q 0 0 0 rg BT 481.51 402.75 Td (the ) Tj ET Q q 0 0 0 rg BT 497.21 402.75 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 390.75 Td (instrument. ) Tj ET Q q 0 0 0 rg BT 123.97 390.75 Td (Replacement ) Tj ET Q q 0 0 0 rg BT 185.39 390.75 Td (risk, ) Tj ET Q q 0 0 0 rg BT 206.22 390.75 Td (the ) Tj ET Q q 0 0 0 rg BT 222.63 390.75 Td (primary ) Tj ET Q q 0 0 0 rg BT 258.46 390.75 Td (component ) Tj ET Q q 0 0 0 rg BT 310.45 390.75 Td (of ) Tj ET Q q 0 0 0 rg BT 321.29 390.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 348.24 390.75 Td (risk, ) Tj ET Q q 0 0 0 rg BT 369.08 390.75 Td (is ) Tj ET Q q 0 0 0 rg BT 378.80 390.75 Td (the ) Tj ET Q q 0 0 0 rg BT 395.21 390.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 413.26 390.75 Td (of ) Tj ET Q q 0 0 0 rg BT 424.10 390.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 444.39 390.75 Td (should ) Tj ET Q q 0 0 0 rg BT 476.36 390.75 Td (a ) Tj ET Q q 0 0 0 rg BT 484.42 390.75 Td (counterparty ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 378.75 Td (default ) Tj ET Q q 0 0 0 rg BT 106.53 378.75 Td (following ) Tj ET Q q 0 0 0 rg BT 149.95 378.75 Td (unfavorable ) Tj ET Q q 0 0 0 rg BT 206.72 378.75 Td (market ) Tj ET Q q 0 0 0 rg BT 241.79 378.75 Td (movements ) Tj ET Q q 0 0 0 rg BT 297.98 378.75 Td (and ) Tj ET Q q 0 0 0 rg BT 319.17 378.75 Td (represents ) Tj ET Q q 0 0 0 rg BT 370.92 378.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 398.21 378.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 429.38 378.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 454.22 378.75 Td (s ) Tj ET Q q 0 0 0 rg BT 463.72 378.75 Td (cost ) Tj ET Q q 0 0 0 rg BT 486.57 378.75 Td (of ) Tj ET Q q 0 0 0 rg BT 499.42 378.75 Td (replacing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 366.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 115.48 366.75 Td (that ) Tj ET Q q 0 0 0 rg BT 135.08 366.75 Td (have ) Tj ET Q q 0 0 0 rg BT 159.67 366.75 Td (a ) Tj ET Q q 0 0 0 rg BT 168.15 366.75 Td (positive ) Tj ET Q q 0 0 0 rg BT 204.97 366.75 Td (fair ) Tj ET Q q 0 0 0 rg BT 221.77 366.75 Td (value ) Tj ET Q q 0 0 0 rg BT 248.59 366.75 Td (using ) Tj ET Q q 0 0 0 rg BT 275.41 366.75 Td (current ) Tj ET Q q 0 0 0 rg BT 309.44 366.75 Td (market ) Tj ET Q q 0 0 0 rg BT 342.92 366.75 Td (rates. ) Tj ET Q q 0 0 0 rg BT 370.84 366.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 396.53 366.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 426.11 366.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 451.81 366.75 Td (strives ) Tj ET Q q 0 0 0 rg BT 483.62 366.75 Td (to ) Tj ET Q q 0 0 0 rg BT 494.87 366.75 Td (limit ) Tj ET Q q 0 0 0 rg BT 515.56 366.75 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 354.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 90.69 354.75 Td (by ) Tj ET Q q 0 0 0 rg BT 104.39 354.75 Td (dealing ) Tj ET Q q 0 0 0 rg BT 139.77 354.75 Td (with ) Tj ET Q q 0 0 0 rg BT 160.69 354.75 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 227.20 354.75 Td (that ) Tj ET Q q 0 0 0 rg BT 247.01 354.75 Td (are ) Tj ET Q q 0 0 0 rg BT 264.60 354.75 Td (considered ) Tj ET Q q 0 0 0 rg BT 316.66 354.75 Td (to ) Tj ET Q q 0 0 0 rg BT 328.14 354.75 Td (be ) Tj ET Q q 0 0 0 rg BT 342.40 354.75 Td (creditworthy) Tj ET Q q 0 0 0 rg BT 395.56 354.75 Td (, ) Tj ET Q q 0 0 0 rg BT 401.47 354.75 Td (and ) Tj ET Q q 0 0 0 rg BT 421.29 354.75 Td (by ) Tj ET Q q 0 0 0 rg BT 434.99 354.75 Td (managing ) Tj ET Q q 0 0 0 rg BT 482.05 354.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 509.64 354.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 528.33 354.75 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 342.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 121.85 342.75 Td (using ) Tj ET Q q 0 0 0 rg BT 147.80 342.75 Td (the ) Tj ET Q q 0 0 0 rg BT 163.75 342.75 Td (same ) Tj ET Q q 0 0 0 rg BT 190.25 342.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 216.75 342.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 234.35 342.75 Td (process ) Tj ET Q q 0 0 0 rg BT 271.42 342.75 Td (that ) Tj ET Q q 0 0 0 rg BT 290.14 342.75 Td (is ) Tj ET Q q 0 0 0 rg BT 299.41 342.75 Td (applied ) Tj ET Q q 0 0 0 rg BT 333.71 342.75 Td (to ) Tj ET Q q 0 0 0 rg BT 344.10 342.75 Td (loans. ) Tj ET Q q 0 0 0 rg BT 372.83 342.75 Td (Netting ) Tj ET Q q 0 0 0 rg BT 406.57 342.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 461.42 342.75 Td (provide ) Tj ET Q q 0 0 0 rg BT 496.27 342.75 Td (for ) Tj ET Q q 0 0 0 rg BT 509.99 342.75 Td (netting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 330.75 Td (of ) Tj ET Q q 0 0 0 rg BT 82.60 330.75 Td (contractual ) Tj ET Q q 0 0 0 rg BT 133.77 330.75 Td (receivables ) Tj ET Q q 0 0 0 rg BT 186.60 330.75 Td (and ) Tj ET Q q 0 0 0 rg BT 205.54 330.75 Td (payables ) Tj ET Q q 0 0 0 rg BT 247.83 330.75 Td (and ) Tj ET Q q 0 0 0 rg BT 266.77 330.75 Td (apply ) Tj ET Q q 0 0 0 rg BT 292.93 330.75 Td (to ) Tj ET Q q 0 0 0 rg BT 303.53 330.75 Td (situations ) Tj ET Q q 0 0 0 rg BT 348.03 330.75 Td (where ) Tj ET Q q 0 0 0 rg BT 377.52 330.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 402.56 330.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 431.48 330.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 456.53 330.75 Td (is ) Tj ET Q q 0 0 0 rg BT 466.00 330.75 Td (engaged ) Tj ET Q q 0 0 0 rg BT 507.19 330.75 Td (in ) Tj ET Q q 0 0 0 rg BT 517.23 330.75 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 318.75 Td (than ) Tj ET Q q 0 0 0 rg BT 94.28 318.75 Td (one ) Tj ET Q q 0 0 0 rg BT 113.77 318.75 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 168.30 318.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 213.91 318.75 Td (transaction ) Tj ET Q q 0 0 0 rg BT 265.64 318.75 Td (with ) Tj ET Q q 0 0 0 rg BT 286.23 318.75 Td (the ) Tj ET Q q 0 0 0 rg BT 302.95 318.75 Td (same ) Tj ET Q q 0 0 0 rg BT 330.22 318.75 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 388.62 318.75 Td (and ) Tj ET Q q 0 0 0 rg BT 408.11 318.75 Td (also ) Tj ET Q q 0 0 0 rg BT 429.27 318.75 Td (has ) Tj ET Q q 0 0 0 rg BT 448.21 318.75 Td (a ) Tj ET Q q 0 0 0 rg BT 456.58 318.75 Td (legally ) Tj ET Q q 0 0 0 rg BT 487.75 318.75 Td (enforceable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 306.75 Td (master ) Tj ET Q q 0 0 0 rg BT 104.64 306.75 Td (netting ) Tj ET Q q 0 0 0 rg BT 136.73 306.75 Td (agreement ) Tj ET Q q 0 0 0 rg BT 186.62 306.75 Td (with ) Tj ET Q q 0 0 0 rg BT 206.47 306.75 Td (that ) Tj ET Q q 0 0 0 rg BT 225.23 306.75 Td (counterparty) Tj ET Q q 0 0 0 rg BT 280.07 306.75 Td (. ) Tj ET Q q 0 0 0 rg BT 284.92 306.75 Td (Netting ) Tj ET Q q 0 0 0 rg BT 318.68 306.75 Td (agreements ) Tj ET Q q 0 0 0 rg BT 373.56 306.75 Td (also ) Tj ET Q q 0 0 0 rg BT 393.98 306.75 Td (provide ) Tj ET Q q 0 0 0 rg BT 428.86 306.75 Td (for ) Tj ET Q q 0 0 0 rg BT 442.60 306.75 Td (the ) Tj ET Q q 0 0 0 rg BT 458.58 306.75 Td (application ) Tj ET Q q 0 0 0 rg BT 508.46 306.75 Td (of ) Tj ET Q q 0 0 0 rg BT 518.88 306.75 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 294.75 Td (collateral ) Tj ET Q q 0 0 0 rg BT 114.06 294.75 Td (received ) Tj ET Q q 0 0 0 rg BT 153.90 294.75 Td (or ) Tj ET Q q 0 0 0 rg BT 164.83 294.75 Td (paid ) Tj ET Q q 0 0 0 rg BT 185.77 294.75 Td (against ) Tj ET Q q 0 0 0 rg BT 220.06 294.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 264.89 294.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 295.83 294.75 Td (or ) Tj ET Q q 0 0 0 rg BT 306.76 294.75 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 349.38 294.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 374.19 294.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 402.90 294.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 427.73 294.75 Td (s ) Tj ET Q q 0 0 0 rg BT 434.77 294.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 479.61 294.75 Td (contracts ) Tj ET Q q 0 0 0 rg BT 522.22 294.75 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 282.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.48 282.75 Td (are ) Tj ET Q q 0 0 0 rg BT 114.63 282.75 Td (transacted ) Tj ET Q q 0 0 0 rg BT 164.02 282.75 Td (under ) Tj ET Q q 0 0 0 rg BT 192.29 282.75 Td (the ) Tj ET Q q 0 0 0 rg BT 208.89 282.75 Td (terms ) Tj ET Q q 0 0 0 rg BT 236.58 282.75 Td (of ) Tj ET Q q 0 0 0 rg BT 247.62 282.75 Td (a ) Tj ET Q q 0 0 0 rg BT 255.88 282.75 Td (master ) Tj ET Q q 0 0 0 rg BT 289.14 282.75 Td (netting ) Tj ET Q q 0 0 0 rg BT 321.86 282.75 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 375.14 282.75 Td (Exchange-traded ) Tj ET Q q 0 0 0 rg BT 454.00 282.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 504.49 282.75 Td (have ) Tj ET Q q 0 0 0 rg BT 528.88 282.75 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 270.75 Td (potential ) Tj ET Q q 0 0 0 rg BT 112.59 270.75 Td (for ) Tj ET Q q 0 0 0 rg BT 127.03 270.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.27 270.75 Td (exposure ) Tj ET Q q 0 0 0 rg BT 198.18 270.75 Td (as ) Tj ET Q q 0 0 0 rg BT 211.52 270.75 Td (they ) Tj ET Q q 0 0 0 rg BT 233.20 270.75 Td (are ) Tj ET Q q 0 0 0 rg BT 250.43 270.75 Td (settled ) Tj ET Q q 0 0 0 rg BT 282.67 270.75 Td (net ) Tj ET Q q 0 0 0 rg BT 299.35 270.75 Td (with ) Tj ET Q q 0 0 0 rg BT 319.92 270.75 Td (each ) Tj ET Q q 0 0 0 rg BT 344.38 270.75 Td (exchange.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 248.75 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 118.75 248.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 172.74 248.75 Td (are ) Tj ET Q q 0 0 0 rg BT 189.49 248.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 223.47 248.75 Td (to ) Tj ET Q q 0 0 0 rg BT 234.10 248.75 Td (market ) Tj ET Q q 0 0 0 rg BT 266.96 248.75 Td (risk. ) Tj ET Q q 0 0 0 rg BT 287.59 248.75 Td (Market ) Tj ET Q q 0 0 0 rg BT 320.45 248.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 338.30 248.75 Td (arises ) Tj ET Q q 0 0 0 rg BT 367.27 248.75 Td (from ) Tj ET Q q 0 0 0 rg BT 389.57 248.75 Td (the ) Tj ET Q q 0 0 0 rg BT 405.76 248.75 Td (potential ) Tj ET Q q 0 0 0 rg BT 445.87 248.75 Td (for ) Tj ET Q q 0 0 0 rg BT 459.83 248.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 479.92 248.75 Td (resulting ) Tj ET Q q 0 0 0 rg BT 520.01 248.75 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 236.75 Td (adverse ) Tj ET Q q 0 0 0 rg BT 110.60 236.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 151.43 236.75 Td (in ) Tj ET Q q 0 0 0 rg BT 162.23 236.75 Td (the ) Tj ET Q q 0 0 0 rg BT 179.15 236.75 Td (value ) Tj ET Q q 0 0 0 rg BT 206.08 236.75 Td (of ) Tj ET Q q 0 0 0 rg BT 217.44 236.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 263.26 236.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 317.96 236.75 Td (as ) Tj ET Q q 0 0 0 rg BT 331.55 236.75 Td (a ) Tj ET Q q 0 0 0 rg BT 340.13 236.75 Td (result ) Tj ET Q q 0 0 0 rg BT 367.60 236.75 Td (of ) Tj ET Q q 0 0 0 rg BT 378.96 236.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 419.79 236.75 Td (in ) Tj ET Q q 0 0 0 rg BT 430.60 236.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 463.63 236.75 Td (market ) Tj ET Q q 0 0 0 rg BT 497.22 236.75 Td (variables. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 224.75 Td (These ) Tj ET Q q 0 0 0 rg BT 101.62 224.75 Td (variables ) Tj ET Q q 0 0 0 rg BT 143.46 224.75 Td (include ) Tj ET Q q 0 0 0 rg BT 176.98 224.75 Td (interest ) Tj ET Q q 0 0 0 rg BT 211.59 224.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 238.43 224.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 270.83 224.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 316.02 224.75 Td (rates, ) Tj ET Q q 0 0 0 rg BT 342.86 224.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 371.37 224.75 Td (and ) Tj ET Q q 0 0 0 rg BT 389.88 224.75 Td (commodity ) Tj ET Q q 0 0 0 rg BT 440.05 224.75 Td (prices ) Tj ET Q q 0 0 0 rg BT 468.54 224.75 Td (and ) Tj ET Q q 0 0 0 rg BT 487.05 224.75 Td (their ) Tj ET Q q 0 0 0 rg BT 508.33 224.75 Td (implied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 212.75 Td (volatilities, ) Tj ET Q q 0 0 0 rg BT 121.12 212.75 Td (as ) Tj ET Q q 0 0 0 rg BT 134.67 212.75 Td (well ) Tj ET Q q 0 0 0 rg BT 154.89 212.75 Td (as ) Tj ET Q q 0 0 0 rg BT 168.44 212.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 195.88 212.75 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 237.22 212.75 Td (credit ) Tj ET Q q 0 0 0 rg BT 264.67 212.75 Td (migration ) Tj ET Q q 0 0 0 rg BT 308.78 212.75 Td (and ) Tj ET Q q 0 0 0 rg BT 328.46 212.75 Td (default. ) Tj ET Q q 0 0 0 rg BT 364.25 212.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 390.02 212.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 419.67 212.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 445.46 212.75 Td (strives ) Tj ET Q q 0 0 0 rg BT 477.34 212.75 Td (to ) Tj ET Q q 0 0 0 rg BT 488.67 212.75 Td (limit ) Tj ET Q q 0 0 0 rg BT 509.43 212.75 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 200.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 88.94 200.75 Td (by ) Tj ET Q q 0 0 0 rg BT 100.89 200.75 Td (employing ) Tj ET Q q 0 0 0 rg BT 147.87 200.75 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 217.07 200.75 Td (governance ) Tj ET Q q 0 0 0 rg BT 270.72 200.75 Td (and ) Tj ET Q q 0 0 0 rg BT 288.80 200.75 Td (management ) Tj ET Q q 0 0 0 rg BT 348.56 200.75 Td (processes ) Tj ET Q q 0 0 0 rg BT 395.52 200.75 Td (for ) Tj ET Q q 0 0 0 rg BT 408.58 200.75 Td (all ) Tj ET Q q 0 0 0 rg BT 419.98 200.75 Td (market ) Tj ET Q q 0 0 0 rg BT 451.93 200.75 Td (risk-taking ) Tj ET Q q 0 0 0 rg BT 498.89 200.75 Td (activities.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 177.16552734375 m 163.1572265625 177.16552734375 l s q 0 0 0 rg BT 72.00 178.75 Td (Uses ) Tj ET Q q 0 0 0 rg BT 98.68 178.75 Td (of ) Tj ET Q q 0 0 0 rg BT 110.90 178.75 Td (derivatives) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 163.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.93 163.75 Td (rading ) Tj ET Q q 0 0 0 rg BT 111.26 163.75 Td (derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 148.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.74 148.75 Td (rading ) Tj ET Q q 0 0 0 rg BT 107.93 148.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 158.12 148.75 Td (include ) Tj ET Q q 0 0 0 rg BT 192.20 148.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 242.39 148.75 Td (entered ) Tj ET Q q 0 0 0 rg BT 278.70 148.75 Td (into ) Tj ET Q q 0 0 0 rg BT 297.22 148.75 Td (with ) Tj ET Q q 0 0 0 rg BT 317.39 148.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 365.91 148.75 Td (to ) Tj ET Q q 0 0 0 rg BT 376.64 148.75 Td (accommodate ) Tj ET Q q 0 0 0 rg BT 441.84 148.75 Td (their ) Tj ET Q q 0 0 0 rg BT 463.69 148.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 481.63 148.75 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 136.75 Td (needs, ) Tj ET Q q 0 0 0 rg BT 104.47 136.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 154.72 136.75 Td (transacted ) Tj ET Q q 0 0 0 rg BT 203.86 136.75 Td (to ) Tj ET Q q 0 0 0 rg BT 214.65 136.75 Td (generate ) Tj ET Q q 0 0 0 rg BT 256.57 136.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 289.59 136.75 Td (income ) Tj ET Q q 0 0 0 rg BT 324.28 136.75 Td (from ) Tj ET Q q 0 0 0 rg BT 346.72 136.75 Td (the ) Tj ET Q q 0 0 0 rg BT 363.07 136.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 387.91 136.75 Td (s ) Tj ET Q q 0 0 0 rg BT 395.35 136.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 428.38 136.75 Td (positions, ) Tj ET Q q 0 0 0 rg BT 473.07 136.75 Td (and ) Tj ET Q q 0 0 0 rg BT 492.20 136.75 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 124.75 Td (used ) Tj ET Q q 0 0 0 rg BT 96.83 124.75 Td (in ) Tj ET Q q 0 0 0 rg BT 107.76 124.75 Td (the ) Tj ET Q q 0 0 0 rg BT 124.81 124.75 Td (management ) Tj ET Q q 0 0 0 rg BT 186.33 124.75 Td (of ) Tj ET Q q 0 0 0 rg BT 197.82 124.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 223.74 124.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 253.55 124.75 Td (Bank) Tj ET Q q 0 0 0 rg BT 278.39 124.75 Td (s ) Tj ET Q q 0 0 0 rg BT 286.54 124.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 305.23 124.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 343.95 124.75 Td (that ) Tj ET Q q 0 0 0 rg BT 363.78 124.75 Td (do ) Tj ET Q q 0 0 0 rg BT 378.05 124.75 Td (not ) Tj ET Q q 0 0 0 rg BT 395.10 124.75 Td (qualify ) Tj ET Q q 0 0 0 rg BT 427.15 124.75 Td (as ) Tj ET Q q 0 0 0 rg BT 440.86 124.75 Td (hedges ) Tj ET Q q 0 0 0 rg BT 476.82 124.75 Td (for ) Tj ET Q q 0 0 0 rg BT 491.63 124.75 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 112.75 Td (purposes ) Tj ET Q q 0 0 0 rg BT 115.92 112.75 Td (\(economic ) Tj ET Q q 0 0 0 rg BT 164.82 112.75 Td (hedges\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 90.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.69 90.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 127.27 90.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 152.97 90.75 Td (and ) Tj ET Q q 0 0 0 rg BT 172.57 90.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 198.26 90.75 Td (perform ) Tj ET Q q 0 0 0 rg BT 235.63 90.75 Td (their ) Tj ET Q q 0 0 0 rg BT 257.99 90.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 280.35 90.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 313.84 90.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 360.13 90.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 401.38 90.75 Td (jointly) Tj ET Q q 0 0 0 rg BT 426.21 90.75 Td (. ) Tj ET Q q 0 0 0 rg BT 431.90 90.75 Td (Under ) Tj ET Q q 0 0 0 rg BT 462.05 90.75 Td (this ) Tj ET Q q 0 0 0 rg BT 480.52 90.75 Td (arrangement, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 78.75 Td (foreign ) Tj ET Q q 0 0 0 rg BT 105.35 78.75 Td (exchange ) Tj ET Q q 0 0 0 rg BT 151.50 78.75 Td (net ) Tj ET Q q 0 0 0 rg BT 168.18 78.75 Td (profit ) Tj ET Q q 0 0 0 rg BT 193.19 78.75 Td (is ) Tj ET Q q 0 0 0 rg BT 203.19 78.75 Td (shared ) Tj ET Q q 0 0 0 rg BT 236.55 78.75 Td (by ) Tj ET Q q 0 0 0 rg BT 249.89 78.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 275.44 78.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 304.89 78.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 330.46 78.75 Td (and ) Tj ET Q q 0 0 0 rg BT 349.92 78.75 Td (BMO. ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I33 Do Q endstream endobj 51 0 obj <> endobj 52 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p25 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (Certain ) Tj ET Q q 0 0 0 rg BT 107.44 712.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 156.77 712.75 Td (enter ) Tj ET Q q 0 0 0 rg BT 182.77 712.75 Td (into ) Tj ET Q q 0 0 0 rg BT 202.10 712.75 Td (lending ) Tj ET Q q 0 0 0 rg BT 237.55 712.75 Td (transactions ) Tj ET Q q 0 0 0 rg BT 294.68 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 314.57 712.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 360.57 712.75 Td (transactions ) Tj ET Q q 0 0 0 rg BT 417.69 712.75 Td (with ) Tj ET Q q 0 0 0 rg BT 438.68 712.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 464.66 712.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 494.53 712.75 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 523.31 712.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.65 700.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 127.19 700.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 152.86 700.75 Td (enters ) Tj ET Q q 0 0 0 rg BT 183.53 700.75 Td (into ) Tj ET Q q 0 0 0 rg BT 202.52 700.75 Td (of) Tj ET Q q 0 0 0 rg BT 210.68 700.75 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 245.80 700.75 Td (transactions ) Tj ET Q q 0 0 0 rg BT 302.59 700.75 Td (with ) Tj ET Q q 0 0 0 rg BT 323.25 700.75 Td (BMO. ) Tj ET Q q 0 0 0 rg BT 351.11 700.75 Td (As ) Tj ET Q q 0 0 0 rg BT 365.65 700.75 Td (the ) Tj ET Q q 0 0 0 rg BT 382.43 700.75 Td (counterparty) Tj ET Q q 0 0 0 rg BT 437.27 700.75 Td (, ) Tj ET Q q 0 0 0 rg BT 442.93 700.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 468.58 700.75 Td (bears ) Tj ET Q q 0 0 0 rg BT 496.47 700.75 Td (the ) Tj ET Q q 0 0 0 rg BT 513.24 700.75 Td (risk ) Tj ET Q q 0 0 0 rg BT 531.67 700.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 688.75 Td (loss ) Tj ET Q q 0 0 0 rg BT 92.56 688.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 143.15 688.75 Td (with ) Tj ET Q q 0 0 0 rg BT 163.71 688.75 Td (the ) Tj ET Q q 0 0 0 rg BT 180.39 688.75 Td (derivative ) Tj ET Q q 0 0 0 rg BT 225.96 688.75 Td (obligations ) Tj ET Q q 0 0 0 rg BT 276.56 688.75 Td (of ) Tj ET Q q 0 0 0 rg BT 287.67 688.75 Td (those ) Tj ET Q q 0 0 0 rg BT 314.92 688.75 Td (customers ) Tj ET Q q 0 0 0 rg BT 363.82 688.75 Td (in ) Tj ET Q q 0 0 0 rg BT 374.38 688.75 Td (the ) Tj ET Q q 0 0 0 rg BT 391.06 688.75 Td (event ) Tj ET Q q 0 0 0 rg BT 418.30 688.75 Td (of ) Tj ET Q q 0 0 0 rg BT 429.42 688.75 Td (default. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.47 666.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 128.82 666.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 155.30 666.75 Td (has ) Tj ET Q q 0 0 0 rg BT 175.11 666.75 Td (issued ) Tj ET Q q 0 0 0 rg BT 207.70 666.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 241.40 666.75 Td (financial ) Tj ET Q q 0 0 0 rg BT 281.78 666.75 Td (instruments ) Tj ET Q q 0 0 0 rg BT 337.15 666.75 Td (containing ) Tj ET Q q 0 0 0 rg BT 386.43 666.75 Td (embedded ) Tj ET Q q 0 0 0 rg BT 437.38 666.75 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 491.64 666.75 Td (Embedded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 654.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 122.61 654.75 Td (in ) Tj ET Q q 0 0 0 rg BT 133.21 654.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 166.04 654.75 Td (of ) Tj ET Q q 0 0 0 rg BT 177.20 654.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 202.79 654.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 232.27 654.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 257.88 654.75 Td (equity ) Tj ET Q q 0 0 0 rg BT 287.38 654.75 Td (linked ) Tj ET Q q 0 0 0 rg BT 316.32 654.75 Td (certificates ) Tj ET Q q 0 0 0 rg BT 366.93 654.75 Td (of ) Tj ET Q q 0 0 0 rg BT 378.08 654.75 Td (deposit ) Tj ET Q q 0 0 0 rg BT 413.14 654.75 Td (are ) Tj ET Q q 0 0 0 rg BT 430.41 654.75 Td (accounted ) Tj ET Q q 0 0 0 rg BT 479.37 654.75 Td (for ) Tj ET Q q 0 0 0 rg BT 493.86 654.75 Td (separately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 642.75 Td (from ) Tj ET Q q 0 0 0 rg BT 94.78 642.75 Td (the ) Tj ET Q q 0 0 0 rg BT 111.46 642.75 Td (host ) Tj ET Q q 0 0 0 rg BT 133.14 642.75 Td (instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 620.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.01 620.75 Td (following ) Tj ET Q q 0 0 0 rg BT 133.70 620.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 184.28 620.75 Td (are ) Tj ET Q q 0 0 0 rg BT 201.51 620.75 Td (used ) Tj ET Q q 0 0 0 rg BT 225.97 620.75 Td (as ) Tj ET Q q 0 0 0 rg BT 239.31 620.75 Td (economic ) Tj ET Q q 0 0 0 rg BT 284.89 620.75 Td (hedges:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 598.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.38 598.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.65 598.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 152.05 598.75 Td (has ) Tj ET Q q 0 0 0 rg BT 170.77 598.75 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 215.63 598.75 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 260.48 598.75 Td (loan ) Tj ET Q q 0 0 0 rg BT 281.99 598.75 Td (commitments ) Tj ET Q q 0 0 0 rg BT 344.04 598.75 Td (that ) Tj ET Q q 0 0 0 rg BT 363.33 598.75 Td (are ) Tj ET Q q 0 0 0 rg BT 380.38 598.75 Td (intended ) Tj ET Q q 0 0 0 rg BT 421.36 598.75 Td (to ) Tj ET Q q 0 0 0 rg BT 432.30 598.75 Td (be ) Tj ET Q q 0 0 0 rg BT 446.03 598.75 Td (sold ) Tj ET Q q 0 0 0 rg BT 466.97 598.75 Td (in ) Tj ET Q q 0 0 0 rg BT 477.36 598.75 Td (the ) Tj ET Q q 0 0 0 rg BT 493.87 598.75 Td (secondary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 586.75 Td (market. ) Tj ET Q q 0 0 0 rg BT 108.26 586.75 Td (These ) Tj ET Q q 0 0 0 rg BT 139.18 586.75 Td (loan ) Tj ET Q q 0 0 0 rg BT 161.22 586.75 Td (commitments ) Tj ET Q q 0 0 0 rg BT 223.80 586.75 Td (are ) Tj ET Q q 0 0 0 rg BT 241.38 586.75 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 292.30 586.75 Td (and ) Tj ET Q q 0 0 0 rg BT 312.11 586.75 Td (are ) Tj ET Q q 0 0 0 rg BT 329.69 586.75 Td (recorded ) Tj ET Q q 0 0 0 rg BT 372.29 586.75 Td (at ) Tj ET Q q 0 0 0 rg BT 383.75 586.75 Td (fair ) Tj ET Q q 0 0 0 rg BT 400.77 586.75 Td (value. ) Tj ET Q q 0 0 0 rg BT 430.58 586.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 456.49 586.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 486.28 586.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 512.20 586.75 Td (enters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 572.35 Td (into) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 88.12 572.35 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.87 572.35 Td (forward ) Tj ET Q q 0 0 0 rg BT 128.33 572.35 Td (sales ) Tj ET Q q 0 0 0 rg BT 154.80 572.35 Td (of ) Tj ET Q q 0 0 0 rg BT 166.26 572.35 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 247.20 572.35 Td (securities ) Tj ET Q q 0 0 0 rg BT 292.56 572.35 Td (to ) Tj ET Q q 0 0 0 rg BT 304.02 572.35 Td (minimize ) Tj ET Q q 0 0 0 rg BT 346.58 572.35 Td (its ) Tj ET Q q 0 0 0 rg BT 359.70 572.35 Td (exposure ) Tj ET Q q 0 0 0 rg BT 403.96 572.35 Td (to ) Tj ET Q q 0 0 0 rg BT 415.42 572.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 451.33 572.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 471.69 572.35 Td (volatility) Tj ET Q q 0 0 0 rg BT 506.51 572.35 Td (. ) Tj ET Q q 0 0 0 rg BT 512.21 572.35 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 560.35 Td (forward ) Tj ET Q q 0 0 0 rg BT 108.12 560.35 Td (sales ) Tj ET Q q 0 0 0 rg BT 134.25 560.35 Td (of ) Tj ET Q q 0 0 0 rg BT 145.36 560.35 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 225.96 560.35 Td (securities ) Tj ET Q q 0 0 0 rg BT 270.98 560.35 Td (are ) Tj ET Q q 0 0 0 rg BT 288.21 560.35 Td (also ) Tj ET Q q 0 0 0 rg BT 309.33 560.35 Td (derivatives.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 538.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.28 538.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.45 538.35 Td (Bank ) Tj ET Q q 0 0 0 rg BT 151.74 538.35 Td (uses ) Tj ET Q q 0 0 0 rg BT 175.37 538.35 Td (total ) Tj ET Q q 0 0 0 rg BT 196.77 538.35 Td (return ) Tj ET Q q 0 0 0 rg BT 225.39 538.35 Td (swaps ) Tj ET Q q 0 0 0 rg BT 256.24 538.35 Td (to ) Tj ET Q q 0 0 0 rg BT 267.08 538.35 Td (minimize ) Tj ET Q q 0 0 0 rg BT 309.03 538.35 Td (exposure ) Tj ET Q q 0 0 0 rg BT 352.67 538.35 Td (to ) Tj ET Q q 0 0 0 rg BT 363.51 538.35 Td (currency ) Tj ET Q q 0 0 0 rg BT 404.36 538.35 Td (exchange ) Tj ET Q q 0 0 0 rg BT 450.23 538.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 469.96 538.35 Td (and ) Tj ET Q q 0 0 0 rg BT 489.15 538.35 Td (equity ) Tj ET Q q 0 0 0 rg BT 518.33 538.35 Td (price ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 526.35 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 125.79 526.35 Td (associated ) Tj ET Q q 0 0 0 rg BT 176.80 526.35 Td (with ) Tj ET Q q 0 0 0 rg BT 197.79 526.35 Td (certain ) Tj ET Q q 0 0 0 rg BT 231.01 526.35 Td (obligations ) Tj ET Q q 0 0 0 rg BT 282.02 526.35 Td (under ) Tj ET Q q 0 0 0 rg BT 310.80 526.35 Td (the ) Tj ET Q q 0 0 0 rg BT 327.91 526.35 Td (mid-term ) Tj ET Q q 0 0 0 rg BT 370.56 526.35 Td (incentive ) Tj ET Q q 0 0 0 rg BT 413.23 526.35 Td (plan, ) Tj ET Q q 0 0 0 rg BT 438.12 526.35 Td (which ) Tj ET Q q 0 0 0 rg BT 466.89 526.35 Td (is ) Tj ET Q q 0 0 0 rg BT 477.31 526.35 Td (a ) Tj ET Q q 0 0 0 rg BT 486.08 526.35 Td (stock-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 514.35 Td (compensation ) Tj ET Q q 0 0 0 rg BT 137.04 514.35 Td (plan. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 492.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.93 492.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 129.74 492.35 Td (Bank ) Tj ET Q q 0 0 0 rg BT 156.68 492.35 Td (issues ) Tj ET Q q 0 0 0 rg BT 189.17 492.35 Td (certificates ) Tj ET Q q 0 0 0 rg BT 241.11 492.35 Td (of ) Tj ET Q q 0 0 0 rg BT 253.60 492.35 Td (deposit ) Tj ET Q q 0 0 0 rg BT 289.99 492.35 Td (that ) Tj ET Q q 0 0 0 rg BT 310.82 492.35 Td (have ) Tj ET Q q 0 0 0 rg BT 336.65 492.35 Td (structured ) Tj ET Q q 0 0 0 rg BT 385.26 492.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 422.20 492.35 Td (rate, ) Tj ET Q q 0 0 0 rg BT 446.35 492.35 Td (equity-linked, ) Tj ET Q q 0 0 0 rg BT 509.42 492.35 Td (foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 480.35 Td (currency-linked, ) Tj ET Q q 0 0 0 rg BT 144.24 480.35 Td (debt-linked ) Tj ET Q q 0 0 0 rg BT 194.83 480.35 Td (and ) Tj ET Q q 0 0 0 rg BT 213.18 480.35 Td (commodity-linked ) Tj ET Q q 0 0 0 rg BT 292.64 480.35 Td (features ) Tj ET Q q 0 0 0 rg BT 330.44 480.35 Td (and ) Tj ET Q q 0 0 0 rg BT 348.79 480.35 Td (are ) Tj ET Q q 0 0 0 rg BT 364.90 480.35 Td (accounted ) Tj ET Q q 0 0 0 rg BT 412.71 480.35 Td (for ) Tj ET Q q 0 0 0 rg BT 426.04 480.35 Td (under ) Tj ET Q q 0 0 0 rg BT 453.28 480.35 Td (the ) Tj ET Q q 0 0 0 rg BT 468.85 480.35 Td (fair ) Tj ET Q q 0 0 0 rg BT 484.40 480.35 Td (value ) Tj ET Q q 0 0 0 rg BT 509.97 480.35 Td (option. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 468.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.44 468.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.77 468.35 Td (Bank ) Tj ET Q q 0 0 0 rg BT 152.23 468.35 Td (enters ) Tj ET Q q 0 0 0 rg BT 182.69 468.35 Td (into ) Tj ET Q q 0 0 0 rg BT 201.48 468.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 236.94 468.35 Td (rate, ) Tj ET Q q 0 0 0 rg BT 259.61 468.35 Td (equity ) Tj ET Q q 0 0 0 rg BT 288.96 468.35 Td (and ) Tj ET Q q 0 0 0 rg BT 308.31 468.35 Td (foreign ) Tj ET Q q 0 0 0 rg BT 341.56 468.35 Td (exchange ) Tj ET Q q 0 0 0 rg BT 387.59 468.35 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 438.05 468.35 Td (to ) Tj ET Q q 0 0 0 rg BT 449.06 468.35 Td (manage ) Tj ET Q q 0 0 0 rg BT 487.86 468.35 Td (exposure ) Tj ET Q q 0 0 0 rg BT 531.67 468.35 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 456.35 Td (changes ) Tj ET Q q 0 0 0 rg BT 112.59 456.35 Td (in ) Tj ET Q q 0 0 0 rg BT 123.15 456.35 Td (the ) Tj ET Q q 0 0 0 rg BT 139.83 456.35 Td (fair ) Tj ET Q q 0 0 0 rg BT 156.50 456.35 Td (value ) Tj ET Q q 0 0 0 rg BT 183.18 456.35 Td (of ) Tj ET Q q 0 0 0 rg BT 194.30 456.35 Td (such ) Tj ET Q q 0 0 0 rg BT 218.20 456.35 Td (structured ) Tj ET Q q 0 0 0 rg BT 265.44 456.35 Td (certificates ) Tj ET Q q 0 0 0 rg BT 316.01 456.35 Td (of ) Tj ET Q q 0 0 0 rg BT 327.13 456.35 Td (deposit. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 434.35 Td (Hedging ) Tj ET Q q 0 0 0 rg BT 114.77 434.35 Td (derivatives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 419.35 Td (In ) Tj ET Q q 0 0 0 rg BT 82.98 419.35 Td (accordance ) Tj ET Q q 0 0 0 rg BT 137.31 419.35 Td (with ) Tj ET Q q 0 0 0 rg BT 157.73 419.35 Td (its ) Tj ET Q q 0 0 0 rg BT 170.37 419.35 Td (risk ) Tj ET Q q 0 0 0 rg BT 188.55 419.35 Td (management ) Tj ET Q q 0 0 0 rg BT 249.56 419.35 Td (strategy) Tj ET Q q 0 0 0 rg BT 284.39 419.35 Td (, ) Tj ET Q q 0 0 0 rg BT 289.80 419.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 315.21 419.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 344.52 419.35 Td (Bank ) Tj ET Q q 0 0 0 rg BT 369.94 419.35 Td (enters ) Tj ET Q q 0 0 0 rg BT 400.37 419.35 Td (into ) Tj ET Q q 0 0 0 rg BT 419.13 419.35 Td (various ) Tj ET Q q 0 0 0 rg BT 454.00 419.35 Td (derivative ) Tj ET Q q 0 0 0 rg BT 499.44 419.35 Td (contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 407.35 Td (to ) Tj ET Q q 0 0 0 rg BT 83.12 407.35 Td (hedge ) Tj ET Q q 0 0 0 rg BT 113.70 407.35 Td (its ) Tj ET Q q 0 0 0 rg BT 126.48 407.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 162.05 407.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 182.06 407.35 Td (exposures. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 385.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.42 385.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.73 385.35 Td (Bank ) Tj ET Q q 0 0 0 rg BT 152.16 385.35 Td (uses ) Tj ET Q q 0 0 0 rg BT 175.92 385.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 211.36 385.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 231.23 385.35 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 277.22 385.35 Td (primarily ) Tj ET Q q 0 0 0 rg BT 317.64 385.35 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 351.40 385.35 Td (to ) Tj ET Q q 0 0 0 rg BT 362.39 385.35 Td (reduce ) Tj ET Q q 0 0 0 rg BT 395.60 385.35 Td (the ) Tj ET Q q 0 0 0 rg BT 412.15 385.35 Td (level ) Tj ET Q q 0 0 0 rg BT 435.35 385.35 Td (of ) Tj ET Q q 0 0 0 rg BT 446.33 385.35 Td (financial ) Tj ET Q q 0 0 0 rg BT 485.66 385.35 Td (risk ) Tj ET Q q 0 0 0 rg BT 503.86 385.35 Td (inherent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 373.35 Td (in ) Tj ET Q q 0 0 0 rg BT 82.54 373.35 Td (mismatches ) Tj ET Q q 0 0 0 rg BT 138.63 373.35 Td (between ) Tj ET Q q 0 0 0 rg BT 179.19 373.35 Td (the ) Tj ET Q q 0 0 0 rg BT 195.85 373.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 231.39 373.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 251.38 373.35 Td (sensitivities ) Tj ET Q q 0 0 0 rg BT 305.26 373.35 Td (of ) Tj ET Q q 0 0 0 rg BT 316.35 373.35 Td (certain ) Tj ET Q q 0 0 0 rg BT 349.12 373.35 Td (assets ) Tj ET Q q 0 0 0 rg BT 380.77 373.35 Td (and ) Tj ET Q q 0 0 0 rg BT 400.21 373.35 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 443.35 373.35 Td (The ) Tj ET Q q 0 0 0 rg BT 463.34 373.35 Td (risk ) Tj ET Q q 0 0 0 rg BT 481.64 373.35 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 361.35 Td (strategy ) Tj ET Q q 0 0 0 rg BT 111.51 361.35 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 170.47 361.35 Td (the ) Tj ET Q q 0 0 0 rg BT 188.31 361.35 Td (use ) Tj ET Q q 0 0 0 rg BT 208.37 361.35 Td (of ) Tj ET Q q 0 0 0 rg BT 220.64 361.35 Td (derivative ) Tj ET Q q 0 0 0 rg BT 267.38 361.35 Td (instruments ) Tj ET Q q 0 0 0 rg BT 323.00 361.35 Td (to ) Tj ET Q q 0 0 0 rg BT 335.27 361.35 Td (minimize ) Tj ET Q q 0 0 0 rg BT 378.66 361.35 Td (significant ) Tj ET Q q 0 0 0 rg BT 427.06 361.35 Td (unplanned ) Tj ET Q q 0 0 0 rg BT 477.71 361.35 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 532.23 361.35 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 349.35 Td (earnings ) Tj ET Q q 0 0 0 rg BT 113.41 349.35 Td (that ) Tj ET Q q 0 0 0 rg BT 133.14 349.35 Td (may ) Tj ET Q q 0 0 0 rg BT 155.08 349.35 Td (be ) Tj ET Q q 0 0 0 rg BT 169.26 349.35 Td (caused ) Tj ET Q q 0 0 0 rg BT 204.55 349.35 Td (by ) Tj ET Q q 0 0 0 rg BT 218.17 349.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 254.01 349.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 274.29 349.35 Td (volatility) Tj ET Q q 0 0 0 rg BT 309.12 349.35 Td (. ) Tj ET Q q 0 0 0 rg BT 314.95 349.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 340.77 349.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 370.49 349.35 Td (Bank ) Tj ET Q q 0 0 0 rg BT 396.33 349.35 Td (manages ) Tj ET Q q 0 0 0 rg BT 440.52 349.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 476.37 349.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 496.65 349.35 Td (sensitivity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 337.35 Td (by ) Tj ET Q q 0 0 0 rg BT 86.23 337.35 Td (modifying ) Tj ET Q q 0 0 0 rg BT 132.70 337.35 Td (the ) Tj ET Q q 0 0 0 rg BT 150.27 337.35 Td (re-pricing ) Tj ET Q q 0 0 0 rg BT 195.62 337.35 Td (or ) Tj ET Q q 0 0 0 rg BT 208.18 337.35 Td (maturity ) Tj ET Q q 0 0 0 rg BT 247.41 337.35 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 314.99 337.35 Td (of ) Tj ET Q q 0 0 0 rg BT 327.00 337.35 Td (certain ) Tj ET Q q 0 0 0 rg BT 360.68 337.35 Td (assets ) Tj ET Q q 0 0 0 rg BT 393.25 337.35 Td (and ) Tj ET Q q 0 0 0 rg BT 413.60 337.35 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 455.07 337.35 Td (so ) Tj ET Q q 0 0 0 rg BT 469.30 337.35 Td (that ) Tj ET Q q 0 0 0 rg BT 489.65 337.35 Td (net ) Tj ET Q q 0 0 0 rg BT 507.22 337.35 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 325.35 Td (margin ) Tj ET Q q 0 0 0 rg BT 105.17 325.35 Td (is ) Tj ET Q q 0 0 0 rg BT 114.99 325.35 Td (not ) Tj ET Q q 0 0 0 rg BT 131.50 325.35 Td (adversely ) Tj ET Q q 0 0 0 rg BT 176.90 325.35 Td (af) Tj ET Q q 0 0 0 rg BT 185.05 325.35 Td (fected, ) Tj ET Q q 0 0 0 rg BT 217.68 325.35 Td (on ) Tj ET Q q 0 0 0 rg BT 231.40 325.35 Td (a ) Tj ET Q q 0 0 0 rg BT 239.56 325.35 Td (material ) Tj ET Q q 0 0 0 rg BT 277.73 325.35 Td (basis, ) Tj ET Q q 0 0 0 rg BT 306.46 325.35 Td (by ) Tj ET Q q 0 0 0 rg BT 319.62 325.35 Td (movements ) Tj ET Q q 0 0 0 rg BT 373.91 325.35 Td (in ) Tj ET Q q 0 0 0 rg BT 384.29 325.35 Td (interest ) Tj ET Q q 0 0 0 rg BT 419.69 325.35 Td (rates. ) Tj ET Q q 0 0 0 rg BT 446.78 325.35 Td (As ) Tj ET Q q 0 0 0 rg BT 461.06 325.35 Td (a ) Tj ET Q q 0 0 0 rg BT 469.22 325.35 Td (result ) Tj ET Q q 0 0 0 rg BT 496.27 325.35 Td (of ) Tj ET Q q 0 0 0 rg BT 507.22 325.35 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 313.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 91.68 313.35 Td (fluctuations, ) Tj ET Q q 0 0 0 rg BT 147.50 313.35 Td (fixed ) Tj ET Q q 0 0 0 rg BT 171.07 313.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 190.75 313.35 Td (assets ) Tj ET Q q 0 0 0 rg BT 222.11 313.35 Td (will ) Tj ET Q q 0 0 0 rg BT 238.45 313.35 Td (appreciate ) Tj ET Q q 0 0 0 rg BT 287.60 313.35 Td (or ) Tj ET Q q 0 0 0 rg BT 298.94 313.35 Td (depreciate ) Tj ET Q q 0 0 0 rg BT 348.09 313.35 Td (in ) Tj ET Q q 0 0 0 rg BT 358.32 313.35 Td (market ) Tj ET Q q 0 0 0 rg BT 391.34 313.35 Td (value. ) Tj ET Q q 0 0 0 rg BT 420.31 313.35 Td (The ) Tj ET Q q 0 0 0 rg BT 440.00 313.35 Td (ef) Tj ET Q q 0 0 0 rg BT 448.15 313.35 Td (fect ) Tj ET Q q 0 0 0 rg BT 466.72 313.35 Td (of ) Tj ET Q q 0 0 0 rg BT 477.51 313.35 Td (the ) Tj ET Q q 0 0 0 rg BT 493.87 313.35 Td (unrealized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 301.35 Td (appreciation ) Tj ET Q q 0 0 0 rg BT 129.26 301.35 Td (or ) Tj ET Q q 0 0 0 rg BT 140.93 301.35 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 198.19 301.35 Td (will ) Tj ET Q q 0 0 0 rg BT 214.86 301.35 Td (generally ) Tj ET Q q 0 0 0 rg BT 258.22 301.35 Td (be ) Tj ET Q q 0 0 0 rg BT 272.12 301.35 Td (of) Tj ET Q q 0 0 0 rg BT 280.28 301.35 Td (fset ) Tj ET Q q 0 0 0 rg BT 299.17 301.35 Td (by ) Tj ET Q q 0 0 0 rg BT 312.51 301.35 Td (the ) Tj ET Q q 0 0 0 rg BT 329.19 301.35 Td (gains ) Tj ET Q q 0 0 0 rg BT 355.88 301.35 Td (or ) Tj ET Q q 0 0 0 rg BT 367.55 301.35 Td (losses ) Tj ET Q q 0 0 0 rg BT 398.67 301.35 Td (on ) Tj ET Q q 0 0 0 rg BT 412.57 301.35 Td (the ) Tj ET Q q 0 0 0 rg BT 429.25 301.35 Td (derivative ) Tj ET Q q 0 0 0 rg BT 474.83 301.35 Td (instruments.) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 277.76552734375 m 158.6748046875 277.76552734375 l s q 0 0 0 rg BT 72.00 279.35 Td (Hedge ) Tj ET Q q 0 0 0 rg BT 105.34 279.35 Td (accounting) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 264.35 Td (Cash ) Tj ET Q q 0 0 0 rg BT 99.23 264.35 Td (flow ) Tj ET Q q 0 0 0 rg BT 122.00 264.35 Td (hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 249.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 98.36 249.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 128.61 249.35 Td (Bank) Tj ET Q q 0 0 0 rg BT 153.45 249.35 Td (s ) Tj ET Q q 0 0 0 rg BT 162.03 249.35 Td (cash ) Tj ET Q q 0 0 0 rg BT 186.74 249.35 Td (flow ) Tj ET Q q 0 0 0 rg BT 208.10 249.35 Td (hedges ) Tj ET Q q 0 0 0 rg BT 244.50 249.35 Td (are ) Tj ET Q q 0 0 0 rg BT 262.53 249.35 Td (hedges ) Tj ET Q q 0 0 0 rg BT 298.92 249.35 Td (of ) Tj ET Q q 0 0 0 rg BT 310.85 249.35 Td (floating ) Tj ET Q q 0 0 0 rg BT 346.68 249.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 367.49 249.35 Td (loans, ) Tj ET Q q 0 0 0 rg BT 397.76 249.35 Td (available-for-sale ) Tj ET Q q 0 0 0 rg BT 477.49 249.35 Td (securities ) Tj ET Q q 0 0 0 rg BT 523.31 249.35 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 237.35 Td (long-term ) Tj ET Q q 0 0 0 rg BT 117.01 237.35 Td (debt ) Tj ET Q q 0 0 0 rg BT 139.26 237.35 Td (obligations.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 72.00 215.35 Td (Fair ) Tj ET Q q 0 0 0 rg BT 93.12 215.35 Td (value ) Tj ET Q q 0 0 0 rg BT 121.47 215.35 Td (hedges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 200.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.56 200.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 127.00 200.35 Td (Bank) Tj ET Q q 0 0 0 rg BT 151.83 200.35 Td (s ) Tj ET Q q 0 0 0 rg BT 159.61 200.35 Td (fair ) Tj ET Q q 0 0 0 rg BT 176.28 200.35 Td (value ) Tj ET Q q 0 0 0 rg BT 202.97 200.35 Td (hedges ) Tj ET Q q 0 0 0 rg BT 238.55 200.35 Td (include ) Tj ET Q q 0 0 0 rg BT 273.02 200.35 Td (hedges ) Tj ET Q q 0 0 0 rg BT 308.61 200.35 Td (of ) Tj ET Q q 0 0 0 rg BT 319.72 200.35 Td (fixed ) Tj ET Q q 0 0 0 rg BT 343.63 200.35 Td (rate ) Tj ET Q q 0 0 0 rg BT 363.64 200.35 Td (available-for-sale ) Tj ET Q q 0 0 0 rg BT 442.56 200.35 Td (securities. ) Tj ET Q q 0 0 0 rg BT 490.35 200.35 Td ( ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I34 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 178.35 Td (1.2.6 ) Tj ET Q q 0 0 0 rg BT 97.02 178.35 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 178.35 Td (Memberships ) Tj ET Q q 0 0 0 rg BT 167.04 178.35 Td (in ) Tj ET Q q 0 0 0 rg BT 178.70 178.35 Td (Material ) Tj ET Q q 0 0 0 rg BT 219.28 178.35 Td (Payment, ) Tj ET Q q 0 0 0 rg BT 266.52 178.35 Td (Clearing ) Tj ET Q q 0 0 0 rg BT 309.30 178.35 Td (and ) Tj ET Q q 0 0 0 rg BT 329.86 178.35 Td (Settlement ) Tj ET Q q 0 0 0 rg BT 383.76 178.35 Td (Systems) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 424.90 178.35 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 156.35 Td (BMO ) Tj ET Q q 0 0 0 rg BT 97.08 156.35 Td (Harris ) Tj ET Q q 0 0 0 rg BT 126.05 156.35 Td (Bank ) Tj ET Q q 0 0 0 rg BT 151.15 156.35 Td (uses ) Tj ET Q q 0 0 0 rg BT 174.58 156.35 Td (a ) Tj ET Q q 0 0 0 rg BT 182.44 156.35 Td (wide ) Tj ET Q q 0 0 0 rg BT 205.32 156.35 Td (array ) Tj ET Q q 0 0 0 rg BT 230.40 156.35 Td (of ) Tj ET Q q 0 0 0 rg BT 241.05 156.35 Td (memberships ) Tj ET Q q 0 0 0 rg BT 303.37 156.35 Td (in ) Tj ET Q q 0 0 0 rg BT 313.46 156.35 Td (PCSS, ) Tj ET Q q 0 0 0 rg BT 345.77 156.35 Td (including ) Tj ET Q q 0 0 0 rg BT 387.55 156.35 Td (payment ) Tj ET Q q 0 0 0 rg BT 428.21 156.35 Td (systems, ) Tj ET Q q 0 0 0 rg BT 469.96 156.35 Td (clearinghouses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 144.35 Td (securities ) Tj ET Q q 0 0 0 rg BT 116.47 144.35 Td (depositories, ) Tj ET Q q 0 0 0 rg BT 175.40 144.35 Td (and ) Tj ET Q q 0 0 0 rg BT 194.32 144.35 Td (central ) Tj ET Q q 0 0 0 rg BT 226.57 144.35 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 294.80 144.35 Td (The ) Tj ET Q q 0 0 0 rg BT 314.27 144.35 Td (next ) Tj ET Q q 0 0 0 rg BT 335.40 144.35 Td (table ) Tj ET Q q 0 0 0 rg BT 359.32 144.35 Td (enumerates ) Tj ET Q q 0 0 0 rg BT 414.36 144.35 Td (material ) Tj ET Q q 0 0 0 rg BT 452.16 144.35 Td (PCSS ) Tj ET Q q 0 0 0 rg BT 481.62 144.35 Td (in ) Tj ET Q q 0 0 0 rg BT 491.64 144.35 Td (which ) Tj ET Q q 0 0 0 rg BT 519.44 144.35 Td (BHB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 132.35 Td (has ) Tj ET Q q 0 0 0 rg BT 90.90 132.35 Td (direct ) Tj ET Q q 0 0 0 rg BT 118.13 132.35 Td (memberships:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 110.35 Td (Figure 1.2.6-1 Material Payment, Clearing and Settlement Systems) Tj ET Q endstream endobj 53 0 obj <> endobj 54 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p26 ) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 719.50 194.00 -23.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 266.50 719.50 274.00 -23.00 re f /GS0 gs 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 719.5 m 72.5 696.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 719.5 m 266.5 696.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 719.5 m 266.5 719.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 719.5 m 266.5 696.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 719.5 m 540.5 696.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 719.5 m 540.5 719.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 696.5 m 72.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 696.5 m 266.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 696.5 m 266.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 696.5 m 540.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 696.5 m 540.5 696.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 673.5 m 72.5 650.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 673.5 m 266.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 673.5 m 266.5 650.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 673.5 m 540.5 650.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 673.5 m 540.5 673.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 650.5 m 72.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 650.5 m 266.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 627.5 m 266.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 650.5 m 266.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 650.5 m 540.5 627.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 627.5 m 540.5 627.5 l s BT /F2 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 75.00 705.98 Td (Payment/ Clearing/ Settlement System) Tj ET Q BT /F2 8.00 Tf ET q 1 1 1 rg BT 269.00 705.98 Td (Description) Tj ET Q BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 79.50 682.98 Td (The Depository Trust Company \(DTC\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 686.98 Td (DTC ) Tj ET Q q 0 0 0 rg BT 294.61 686.98 Td (is ) Tj ET Q q 0 0 0 rg BT 303.55 686.98 Td (the ) Tj ET Q q 0 0 0 rg BT 317.84 686.98 Td (predominant ) Tj ET Q q 0 0 0 rg BT 365.48 686.98 Td (central ) Tj ET Q q 0 0 0 rg BT 392.66 686.98 Td (custodian ) Tj ET Q q 0 0 0 rg BT 430.07 686.98 Td (providing ) Tj ET Q q 0 0 0 rg BT 465.70 686.98 Td (settlement ) Tj ET Q q 0 0 0 rg BT 505.78 686.98 Td (for ) Tj ET Q q 0 0 0 rg BT 518.28 686.98 Td ( ) Tj ET Q q 0 0 0 rg BT 521.45 686.98 Td (U.S. ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 678.98 Td (securities ) Tj ET Q q 0 0 0 rg BT 311.01 678.98 Td (transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 663.98 Td (Federal Reserve Wire Network \(Fedwire Funds /) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 655.98 Td (Fedline Advantage\) / FedACH) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 663.98 Td (Wire ) Tj ET Q q 0 0 0 rg BT 293.87 663.98 Td (transfer ) Tj ET Q q 0 0 0 rg BT 323.42 663.98 Td (and ) Tj ET Q q 0 0 0 rg BT 339.20 663.98 Td (electronic ) Tj ET Q q 0 0 0 rg BT 375.87 663.98 Td (payment ) Tj ET Q q 0 0 0 rg BT 408.99 663.98 Td (processing, ) Tj ET Q q 0 0 0 rg BT 452.33 663.98 Td (and ) Tj ET Q q 0 0 0 rg BT 468.11 663.98 Td (cash ) Tj ET Q q 0 0 0 rg BT 487.44 663.98 Td (and ) Tj ET Q q 0 0 0 rg BT 503.22 663.98 Td (securities ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 655.98 Td (settlement ) Tj ET Q q 0 0 0 rg BT 314.13 655.98 Td (services) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 81.00 640.98 Td (Society of Worldwide Interbank Financial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 81.00 632.98 Td (Telecommunications \(SWIFT\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 640.98 Td (Interbank ) Tj ET Q q 0 0 0 rg BT 311.18 640.98 Td (financial ) Tj ET Q q 0 0 0 rg BT 343.36 640.98 Td (telecommunications ) Tj ET Q q 0 0 0 rg BT 416.89 640.98 Td (and ) Tj ET Q q 0 0 0 rg BT 433.06 640.98 Td (messaging ) Tj ET Q q 0 0 0 rg BT 474.58 640.98 Td (between ) Tj ET Q q 0 0 0 rg BT 507.65 640.98 Td (financial ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 275.00 632.98 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 317.24 632.98 Td (FMUs ) Tj ET Q q 0 0 0 rg BT 340.79 632.98 Td (and ) Tj ET Q q 0 0 0 rg BT 356.36 632.98 Td (businesses) Tj ET Q BT /F1 10.00 Tf ET /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I35 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 606.00 Td (1.2.7 ) Tj ET Q q 0 0 0 rg BT 97.02 606.00 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 606.00 Td (Foreign ) Tj ET Q q 0 0 0 rg BT 139.24 606.00 Td (Operations) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 192.03 606.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 584.00 Td (BMO ) Tj ET Q q 0 0 0 rg BT 96.54 584.00 Td (Harris ) Tj ET Q q 0 0 0 rg BT 124.97 584.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 149.53 584.00 Td (operates ) Tj ET Q q 0 0 0 rg BT 190.21 584.00 Td (primarily ) Tj ET Q q 0 0 0 rg BT 229.76 584.00 Td (in ) Tj ET Q q 0 0 0 rg BT 239.30 584.00 Td (the ) Tj ET Q q 0 0 0 rg BT 254.97 584.00 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 276.18 584.00 Td (and ) Tj ET Q q 0 0 0 rg BT 294.63 584.00 Td (has ) Tj ET Q q 0 0 0 rg BT 312.52 584.00 Td (a ) Tj ET Q q 0 0 0 rg BT 319.85 584.00 Td (virtual ) Tj ET Q q 0 0 0 rg BT 348.29 584.00 Td (foreign ) Tj ET Q q 0 0 0 rg BT 380.63 584.00 Td (branch ) Tj ET Q q 0 0 0 rg BT 412.97 584.00 Td (located ) Tj ET Q q 0 0 0 rg BT 446.98 584.00 Td (in ) Tj ET Q q 0 0 0 rg BT 456.53 584.00 Td (Nassau, ) Tj ET Q q 0 0 0 rg BT 494.98 584.00 Td (Bahamas. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 572.00 Td (This ) Tj ET Q q 0 0 0 rg BT 98.83 572.00 Td (branch's ) Tj ET Q q 0 0 0 rg BT 144.25 572.00 Td (only ) Tj ET Q q 0 0 0 rg BT 170.53 572.00 Td (material ) Tj ET Q q 0 0 0 rg BT 214.03 572.00 Td (activity ) Tj ET Q q 0 0 0 rg BT 252.52 572.00 Td (is ) Tj ET Q q 0 0 0 rg BT 267.68 572.00 Td (the ) Tj ET Q q 0 0 0 rg BT 289.52 572.00 Td (limited ) Tj ET Q q 0 0 0 rg BT 326.35 572.00 Td (booking ) Tj ET Q q 0 0 0 rg BT 369.31 572.00 Td (of ) Tj ET Q q 0 0 0 rg BT 385.59 572.00 Td (foreign ) Tj ET Q q 0 0 0 rg BT 424.10 572.00 Td (currency ) Tj ET Q q 0 0 0 rg BT 470.38 572.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 502.22 572.00 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 560.00 Td (forCommercialBanking ) Tj ET Q q 0 0 0 rg BT 181.48 560.00 Td (customers. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 538.00 Td (1.2.8 ) Tj ET Q q 0 0 0 rg BT 97.02 538.00 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 538.00 Td (Material ) Tj ET Q q 0 0 0 rg BT 140.37 538.00 Td (Supervisory ) Tj ET Q q 0 0 0 rg BT 200.58 538.00 Td (Authorities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 253.36 538.00 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 516.00 Td (Figure 1.2.8-1 Material Supervisory ) Tj ET Q q 0 0 0 rg BT 240.03 516.00 Td (Authorities) Tj ET Q 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 72.50 505.50 181.00 -16.00 re f /GS0 gs 0.21176470588235294 0.3764705882352941 0.5725490196078431 rg /GS0 gs 253.50 505.50 287.00 -16.00 re f /GS0 gs 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 505.5 m 72.5 489.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 505.5 m 253.5 489.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 505.5 m 253.5 505.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 489.5 m 253.5 489.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 505.5 m 253.5 489.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 505.5 m 540.5 489.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 505.5 m 540.5 505.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 489.5 m 540.5 489.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 489.5 m 72.5 473.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 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1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 409.5 m 540.5 393.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 393.5 m 540.5 393.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 393.5 m 72.5 377.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 393.5 m 253.5 377.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 393.5 m 253.5 393.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 393.5 m 253.5 377.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 393.5 m 540.5 377.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 393.5 m 540.5 393.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 377.5 m 72.5 361.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 377.5 m 253.5 361.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253.5 377.5 m 253.5 361.5 l s 0 0 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260.50 497.18 Td (Regulatory ) Tj ET Q q 1 1 1 rg BT 304.21 497.18 Td (Agency) Tj ET Q BT /F1 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 79.50 481.18 Td (BMO ) Tj ET Q q 0 0 0 rg BT 99.95 481.18 Td (Financial ) Tj ET Q q 0 0 0 rg BT 134.18 481.18 Td (Corp.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 481.18 Td (Federal ) Tj ET Q q 0 0 0 rg BT 289.85 481.18 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 321.86 481.18 Td (Bank ) Tj ET Q q 0 0 0 rg BT 342.32 481.18 Td (of ) Tj ET Q q 0 0 0 rg BT 351.21 481.18 Td (Chicago) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 465.18 Td (BMO ) Tj ET Q q 0 0 0 rg BT 99.95 465.18 Td (Harris ) Tj ET Q q 0 0 0 rg BT 123.50 465.18 Td (Bank ) Tj ET Q q 0 0 0 rg BT 143.96 465.18 Td (N.A.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 465.18 Td (Of) Tj ET Q q 0 0 0 rg BT 268.87 465.18 Td (fice ) Tj ET Q q 0 0 0 rg BT 283.47 465.18 Td (of ) Tj ET Q q 0 0 0 rg BT 292.37 465.18 Td (the ) Tj ET Q q 0 0 0 rg BT 305.71 465.18 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 349.28 465.18 Td (of ) Tj ET Q q 0 0 0 rg BT 358.17 465.18 Td (the ) Tj ET Q q 0 0 0 rg BT 371.52 465.18 Td (Currency) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 449.18 Td (Federal Deposit Insurance Corp.) 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Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 385.18 Td (Securities ) Tj ET Q q 0 0 0 rg BT 297.85 385.18 Td (and ) Tj ET Q q 0 0 0 rg BT 313.42 385.18 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 351.22 385.18 Td (Commission) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 369.18 Td (Financial Industry Regulatory Authority) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 353.18 Td (Commodity ) Tj ET Q q 0 0 0 rg BT 303.18 353.18 Td (Futures ) Tj ET Q q 0 0 0 rg BT 332.45 353.18 Td (T) Tj ET Q q 0 0 0 rg BT 337.11 353.18 Td (rading ) Tj ET Q q 0 0 0 rg BT 361.43 353.18 Td (Commission) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 337.18 Td (BMO ) Tj ET Q q 0 0 0 rg BT 99.95 337.18 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 131.52 337.18 Td (Branch) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 337.18 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 284.95 337.18 Td (Department ) Tj ET Q q 0 0 0 rg BT 328.97 337.18 Td (of ) Tj ET Q q 0 0 0 rg BT 337.87 337.18 Td (Financial ) Tj ET Q q 0 0 0 rg BT 372.11 337.18 Td (and ) Tj ET Q q 0 0 0 rg BT 387.68 337.18 Td (Professional ) Tj ET Q q 0 0 0 rg BT 433.92 337.18 Td (Regulation) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 321.18 Td (Federal ) Tj ET Q q 0 0 0 rg BT 289.85 321.18 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 321.86 321.18 Td (Bank ) Tj ET Q q 0 0 0 rg BT 342.32 321.18 Td (of ) Tj ET Q q 0 0 0 rg BT 351.21 321.18 Td (Chicago) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 301.73 Td (Commodity ) Tj ET Q q 0 0 0 rg BT 303.18 301.73 Td (Futures ) Tj ET Q q 0 0 0 rg BT 332.38 301.73 Td (T) Tj ET Q q 0 0 0 rg BT 336.96 301.73 Td (rading ) Tj ET Q q 0 0 0 rg BT 361.43 301.73 Td (Commission) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 289.18 Td (BMO Harris Financing, Inc.) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 260.50 289.18 Td (Federal ) Tj ET Q q 0 0 0 rg BT 289.85 289.18 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 321.86 289.18 Td (Bank ) Tj ET Q q 0 0 0 rg BT 342.32 289.18 Td (of ) Tj ET Q q 0 0 0 rg BT 351.21 289.18 Td (Chicago) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 260.00 Td (1.2.9 ) Tj ET Q q 0 0 0 rg BT 97.02 260.00 Td ( ) Tj ET Q q 0 0 0 rg BT 99.80 260.00 Td (Principal ) Tj ET Q q 0 0 0 rg BT 144.81 260.00 Td (Officers) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 182.61 260.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 238.00 Td (The ) Tj ET Q q 0 0 0 rg BT 92.01 238.00 Td (table ) Tj ET Q q 0 0 0 rg BT 116.47 238.00 Td (below ) Tj ET Q q 0 0 0 rg BT 145.38 238.00 Td (identifies ) Tj ET Q q 0 0 0 rg BT 187.63 238.00 Td (BMO ) Tj ET Q q 0 0 0 rg BT 213.18 238.00 Td (Harris ) Tj ET Q q 0 0 0 rg BT 242.63 238.00 Td (Bank) Tj ET Q q 0 0 0 rg BT 267.46 238.00 Td (s ) Tj ET Q q 0 0 0 rg BT 275.24 238.00 Td (Principal ) Tj ET Q q 0 0 0 rg BT 316.37 238.00 Td (Of) Tj ET Q q 0 0 0 rg BT 326.74 238.00 Td (ficers, ) Tj ET Q q 0 0 0 rg BT 356.19 238.00 Td (all ) Tj ET Q q 0 0 0 rg BT 368.97 238.00 Td (of ) Tj ET Q q 0 0 0 rg BT 380.09 238.00 Td (which ) Tj ET Q q 0 0 0 rg BT 408.44 238.00 Td (are ) Tj ET Q q 0 0 0 rg BT 425.67 238.00 Td (Executive ) Tj ET Q q 0 0 0 rg BT 471.80 238.00 Td (Of) Tj ET Q q 0 0 0 rg BT 482.18 238.00 Td (ficers:) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 216.00 Td (Figure 1.2.9-1 BMO Harris Banks Principal Officers) Tj ET Q endstream endobj 55 0 obj <> endobj 56 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p27 ) Tj ET Q 0.21176470588235294 0.3764705882352941 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0 i [] 0 d 0 J 0 j 3 M 213.5 501.5 m 540.5 501.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 487.5 m 540.5 487.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 487.5 m 72.5 473.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 487.5 m 213.5 473.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 487.5 m 213.5 487.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 72.5 473.5 m 213.5 473.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 487.5 m 213.5 473.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 540.5 487.5 m 540.5 473.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 487.5 m 540.5 487.5 l s 0 0 0.0392156862745098 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 213.5 473.5 m 540.5 473.5 l s BT /F2 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 1 1 1 rg BT 237.05 711.18 Td (BMO Harris Bank 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Ellis) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 654.98 Td (Executive Vice-President, Chief Legal Officer, U.S. General Counsel and Assistant) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 646.98 Td (Corporate Secretary) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 633.98 Td (David L. Gordon) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 633.48 Td (Executive Vice-President, U.S. Chief Technology & Operations Officer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 619.98 Td (Darrel Hackett) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 619.48 Td (Executive Vice-President, Head, U.S. Private Banking) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 601.98 Td (Craig T. Ingram) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 605.98 Td (Senior Vice-President, Business Continuity Planning U.S. & Branch Manager, BMO) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 597.98 Td (Chicago Branch) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 583.98 Td (Andrew Karp) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 583.98 Td (Senior Vice-President, Deputy General Counsel & Chief Regulatory Officer, BMOFG) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 566.48 Td (Herbert Mazariegos) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 569.73 Td (Senior Vice President, U.S. Chief Bank Secrecy Act/Anti-Money Laundering Officer and) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 561.73 Td (Designated Bank Secrecy Act Compliance Officer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 548.98 Td (Barry McInerney) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 548.98 Td (Executive Vice-President and Co-CEO, BMO Global Asset Management) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 534.98 Td (Cecily Mistarz) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.50 534.98 Td (Executive Vice-President, U.S. Chief Risk Officer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 79.50 520.98 Td (Gail S. 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rg BT 320.46 171.00 Td (contained ) Tj ET Q q 0 0 0 rg BT 366.61 171.00 Td (within ) Tj ET Q q 0 0 0 rg BT 394.95 171.00 Td (the ) Tj ET Q q 0 0 0 rg BT 411.63 171.00 Td (RP) Tj ET Q q 0 0 0 rg BT 424.24 171.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 149.00 Td (The ) Tj ET Q q 0 0 0 rg BT 91.77 149.00 Td (BMO ) Tj ET Q q 0 0 0 rg BT 117.10 149.00 Td (USMC ) Tj ET Q q 0 0 0 rg BT 149.08 149.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 188.32 149.00 Td (representatives ) Tj ET Q q 0 0 0 rg BT 259.23 149.00 Td (from ) Tj ET Q q 0 0 0 rg BT 281.77 149.00 Td (all ) Tj ET Q q 0 0 0 rg BT 294.32 149.00 Td (of ) Tj ET Q q 0 0 0 rg BT 305.20 149.00 Td (the ) Tj ET Q q 0 0 0 rg BT 321.65 149.00 Td (major ) Tj ET Q q 0 0 0 rg BT 349.20 149.00 Td (business ) Tj ET Q q 0 0 0 rg BT 391.21 149.00 Td (lines ) Tj ET Q q 0 0 0 rg BT 414.32 149.00 Td (in ) Tj ET Q q 0 0 0 rg BT 424.65 149.00 Td (the ) Tj ET Q q 0 0 0 rg BT 441.09 149.00 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 463.08 149.00 Td ( ) Tj ET Q q 0 0 0 rg BT 465.46 149.00 Td (The ) Tj ET Q q 0 0 0 rg BT 485.23 149.00 Td (BMO ) Tj ET Q q 0 0 0 rg BT 510.56 149.00 Td (USMC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 137.00 Td (has ) Tj ET Q q 0 0 0 rg BT 91.25 137.00 Td (received ) Tj ET Q q 0 0 0 rg BT 132.17 137.00 Td (periodic ) Tj ET Q q 0 0 0 rg BT 170.32 137.00 Td (updates ) Tj ET Q q 0 0 0 rg BT 209.03 137.00 Td (of ) Tj ET Q q 0 0 0 rg BT 220.49 137.00 Td (the ) Tj ET Q q 0 0 0 rg BT 237.52 137.00 Td (IDI ) Tj ET Q q 0 0 0 rg BT 253.42 137.00 Td (RP) Tj ET Q q 0 0 0 rg BT 269.36 137.00 Td (s ) Tj ET Q q 0 0 0 rg BT 277.48 137.00 Td (progress ) Tj ET Q q 0 0 0 rg BT 319.51 137.00 Td (and ) Tj ET Q q 0 0 0 rg BT 339.32 137.00 Td (has ) Tj ET Q q 0 0 0 rg BT 358.57 137.00 Td (recommended ) Tj ET Q q 0 0 0 rg BT 425.62 137.00 Td (the ) Tj ET Q q 0 0 0 rg BT 442.65 137.00 Td (IDI ) Tj ET Q q 0 0 0 rg BT 458.55 137.00 Td (RP) Tj ET Q q 0 0 0 rg BT 472.26 137.00 Td ( ) Tj ET Q q 0 0 0 rg BT 475.39 137.00 Td (for ) Tj ET Q q 0 0 0 rg BT 490.18 137.00 Td (approval ) Tj ET Q q 0 0 0 rg BT 531.67 137.00 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 125.00 Td (the ) Tj ET Q q 0 0 0 rg BT 88.68 125.00 Td (BMO ) Tj ET Q q 0 0 0 rg BT 114.24 125.00 Td (Harris ) Tj ET Q q 0 0 0 rg BT 143.68 125.00 Td (Bank ) Tj ET Q q 0 0 0 rg BT 169.25 125.00 Td (Board ) Tj ET Q q 0 0 0 rg BT 198.71 125.00 Td (of ) Tj ET Q q 0 0 0 rg BT 209.83 125.00 Td (Directors. ) Tj ET Q q 0 0 0 rg BT 255.39 125.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 103.00 Td (The ) Tj ET Q q 0 0 0 rg BT 91.07 103.00 Td (USRP) Tj ET Q q 0 0 0 rg BT 118.68 103.00 Td ( ) Tj ET Q q 0 0 0 rg BT 120.52 103.00 Td (SC ) Tj ET Q q 0 0 0 rg BT 136.25 103.00 Td (includes ) Tj ET Q q 0 0 0 rg BT 174.78 103.00 Td (representatives ) Tj ET Q q 0 0 0 rg BT 245.00 103.00 Td (from ) Tj ET Q q 0 0 0 rg BT 266.84 103.00 Td (the ) Tj ET Q q 0 0 0 rg BT 282.58 103.00 Td (core ) Tj ET Q q 0 0 0 rg BT 303.88 103.00 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 330.17 103.00 Td (and ) Tj ET Q q 0 0 0 rg BT 348.70 103.00 Td (CSAs, ) Tj ET Q q 0 0 0 rg BT 378.88 103.00 Td (and ) Tj ET Q q 0 0 0 rg BT 397.41 103.00 Td (reports ) Tj ET Q q 0 0 0 rg BT 430.37 103.00 Td (to ) Tj ET Q q 0 0 0 rg BT 440.56 103.00 Td (the ) Tj ET Q q 0 0 0 rg BT 456.30 103.00 Td (Boards ) Tj ET Q q 0 0 0 rg BT 489.83 103.00 Td (of ) Tj ET Q q 0 0 0 rg BT 500.01 103.00 Td (Directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 91.00 Td (of ) Tj ET Q q 0 0 0 rg BT 83.00 91.00 Td (BFC ) Tj ET Q q 0 0 0 rg BT 105.66 91.00 Td (and ) Tj ET Q q 0 0 0 rg BT 125.00 91.00 Td (BHB. ) Tj ET Q q 0 0 0 rg BT 151.00 91.00 Td ( ) Tj ET Q q 0 0 0 rg BT 153.48 91.00 Td (The ) Tj ET Q q 0 0 0 rg BT 173.37 91.00 Td (USRP) Tj ET Q q 0 0 0 rg BT 200.97 91.00 Td ( ) Tj ET Q q 0 0 0 rg BT 203.63 91.00 Td (SC ) Tj ET Q q 0 0 0 rg BT 220.18 91.00 Td (meets ) Tj ET Q q 0 0 0 rg BT 250.07 91.00 Td (monthly ) Tj ET Q q 0 0 0 rg BT 287.74 91.00 Td (and ) Tj ET Q q 0 0 0 rg BT 307.08 91.00 Td (is ) Tj ET Q q 0 0 0 rg BT 316.96 91.00 Td (responsible ) Tj ET Q q 0 0 0 rg BT 370.76 91.00 Td (for ) Tj ET Q q 0 0 0 rg BT 385.09 91.00 Td (the ) Tj ET Q q 0 0 0 rg BT 401.65 91.00 Td (results ) Tj ET Q q 0 0 0 rg BT 433.76 91.00 Td (and ) Tj ET Q q 0 0 0 rg BT 453.10 91.00 Td (direction, ) Tj ET Q q 0 0 0 rg BT 496.34 91.00 Td (as ) Tj ET Q q 0 0 0 rg BT 509.56 91.00 Td (well ) Tj ET Q q 0 0 0 rg BT 529.44 91.00 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 79.00 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 116.86 79.00 Td (and ) Tj ET Q q 0 0 0 rg BT 136.16 79.00 Td (approving ) Tj ET Q q 0 0 0 rg BT 182.69 79.00 Td (the ) Tj ET Q q 0 0 0 rg BT 199.21 79.00 Td (approach, ) Tj ET Q q 0 0 0 rg BT 246.30 79.00 Td (implementation ) Tj ET Q q 0 0 0 rg BT 316.73 79.00 Td (plan ) Tj ET Q q 0 0 0 rg BT 338.25 79.00 Td (and ) Tj ET Q q 0 0 0 rg BT 357.55 79.00 Td (resource ) Tj ET Q q 0 0 0 rg BT 399.08 79.00 Td (allocation ) Tj ET Q q 0 0 0 rg BT 443.94 79.00 Td (with ) Tj ET Q q 0 0 0 rg BT 464.34 79.00 Td (respect ) Tj ET Q q 0 0 0 rg BT 499.75 79.00 Td (to ) Tj ET Q q 0 0 0 rg BT 510.71 79.00 Td (the ) Tj ET Q q 0 0 0 rg BT 527.22 79.00 Td (IDI ) Tj ET Q endstream endobj 57 0 obj <> endobj 58 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p28 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (RP) Tj ET Q q 0 0 0 rg BT 84.60 712.75 Td (. ) Tj ET Q q 0 0 0 rg BT 89.89 712.75 Td (The ) Tj ET Q q 0 0 0 rg BT 109.80 712.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 137.40 712.75 Td ( ) Tj ET Q q 0 0 0 rg BT 140.09 712.75 Td (SC ) Tj ET Q q 0 0 0 rg BT 156.66 712.75 Td (is ) Tj ET Q q 0 0 0 rg BT 166.56 712.75 Td (comprised ) Tj ET Q q 0 0 0 rg BT 215.37 712.75 Td (of ) Tj ET Q q 0 0 0 rg BT 226.40 712.75 Td (several ) Tj ET Q q 0 0 0 rg BT 261.31 712.75 Td (members ) Tj ET Q q 0 0 0 rg BT 305.67 712.75 Td (that ) Tj ET Q q 0 0 0 rg BT 325.03 712.75 Td (also ) Tj ET Q q 0 0 0 rg BT 346.06 712.75 Td (sit ) Tj ET Q q 0 0 0 rg BT 358.74 712.75 Td (on ) Tj ET Q q 0 0 0 rg BT 372.55 712.75 Td (the ) Tj ET Q q 0 0 0 rg BT 389.13 712.75 Td (BMOFG ) Tj ET Q q 0 0 0 rg BT 428.48 712.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 473.40 712.75 Td (and ) Tj ET Q q 0 0 0 rg BT 492.76 712.75 Td (Resolution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 700.75 Td (Planning ) Tj ET Q q 0 0 0 rg BT 114.30 700.75 Td (SC ) Tj ET Q q 0 0 0 rg BT 131.56 700.75 Td (to ) Tj ET Q q 0 0 0 rg BT 143.28 700.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 177.23 700.75 Td (consistency ) Tj ET Q q 0 0 0 rg BT 232.85 700.75 Td (and ) Tj ET Q q 0 0 0 rg BT 252.91 700.75 Td (coordination ) Tj ET Q q 0 0 0 rg BT 310.77 700.75 Td (across ) Tj ET Q q 0 0 0 rg BT 343.59 700.75 Td (multiple ) Tj ET Q q 0 0 0 rg BT 381.43 700.75 Td (jurisdictions ) Tj ET Q q 0 0 0 rg BT 437.04 700.75 Td (related ) Tj ET Q q 0 0 0 rg BT 471.00 700.75 Td (to ) Tj ET Q q 0 0 0 rg BT 482.71 700.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 533.34 700.75 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 688.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 117.01 688.75 Td (planning. ) Tj ET Q q 0 0 0 rg BT 160.38 688.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.43 666.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 116.41 666.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 138.06 666.75 Td (Resolution ) Tj ET Q q 0 0 0 rg BT 187.51 666.75 Td (Planning ) Tj ET Q q 0 0 0 rg BT 228.63 666.75 Td (Design ) Tj ET Q q 0 0 0 rg BT 261.95 666.75 Td (Sub-Committee ) Tj ET Q q 0 0 0 rg BT 333.62 666.75 Td (is ) Tj ET Q q 0 0 0 rg BT 343.04 666.75 Td (a ) Tj ET Q q 0 0 0 rg BT 350.80 666.75 Td (sub-committee ) Tj ET Q q 0 0 0 rg BT 418.58 666.75 Td (of ) Tj ET Q q 0 0 0 rg BT 429.12 666.75 Td (the ) Tj ET Q q 0 0 0 rg BT 445.22 666.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 472.82 666.75 Td ( ) Tj ET Q q 0 0 0 rg BT 475.02 666.75 Td (SC, ) Tj ET Q q 0 0 0 rg BT 493.89 666.75 Td (comprised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 654.75 Td (of ) Tj ET Q q 0 0 0 rg BT 83.00 654.75 Td (executives ) Tj ET Q q 0 0 0 rg BT 132.91 654.75 Td (from ) Tj ET Q q 0 0 0 rg BT 155.57 654.75 Td (finance, ) Tj ET Q q 0 0 0 rg BT 193.26 654.75 Td (risk, ) Tj ET Q q 0 0 0 rg BT 214.25 654.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 238.04 654.75 Td (and ) Tj ET Q q 0 0 0 rg BT 257.38 654.75 Td (BMOFG) Tj ET Q q 0 0 0 rg BT 296.09 654.75 Td (s ) Tj ET Q q 0 0 0 rg BT 303.75 654.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 346.43 654.75 Td (Crisis ) Tj ET Q q 0 0 0 rg BT 374.09 654.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 435.12 654.75 Td (Of) Tj ET Q q 0 0 0 rg BT 445.50 654.75 Td (fice. ) Tj ET Q q 0 0 0 rg BT 466.33 654.75 Td (This ) Tj ET Q q 0 0 0 rg BT 487.88 654.75 Td (team ) Tj ET Q q 0 0 0 rg BT 512.77 654.75 Td (meets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 642.75 Td (as ) Tj ET Q q 0 0 0 rg BT 85.16 642.75 Td (needed, ) Tj ET Q q 0 0 0 rg BT 123.91 642.75 Td (and ) Tj ET Q q 0 0 0 rg BT 143.20 642.75 Td (is ) Tj ET Q q 0 0 0 rg BT 153.02 642.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 206.77 642.75 Td (for ) Tj ET Q q 0 0 0 rg BT 221.04 642.75 Td (providing ) Tj ET Q q 0 0 0 rg BT 264.22 642.75 Td (guidance ) Tj ET Q q 0 0 0 rg BT 307.42 642.75 Td (on ) Tj ET Q q 0 0 0 rg BT 321.14 642.75 Td (the ) Tj ET Q q 0 0 0 rg BT 337.64 642.75 Td (strategy ) Tj ET Q q 0 0 0 rg BT 375.82 642.75 Td (for ) Tj ET Q q 0 0 0 rg BT 390.09 642.75 Td (the ) Tj ET Q q 0 0 0 rg BT 406.59 642.75 Td (RPs, ) Tj ET Q q 0 0 0 rg BT 430.87 642.75 Td (making ) Tj ET Q q 0 0 0 rg BT 465.70 642.75 Td (interim ) Tj ET Q q 0 0 0 rg BT 498.31 642.75 Td (decisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 630.75 Td (or ) Tj ET Q q 0 0 0 rg BT 84.09 630.75 Td (guidance ) Tj ET Q q 0 0 0 rg BT 127.87 630.75 Td (prior ) Tj ET Q q 0 0 0 rg BT 151.07 630.75 Td (to ) Tj ET Q q 0 0 0 rg BT 162.61 630.75 Td (any ) Tj ET Q q 0 0 0 rg BT 181.92 630.75 Td (issues ) Tj ET Q q 0 0 0 rg BT 213.46 630.75 Td (being ) Tj ET Q q 0 0 0 rg BT 241.13 630.75 Td (escalated ) Tj ET Q q 0 0 0 rg BT 287.13 630.75 Td (to ) Tj ET Q q 0 0 0 rg BT 298.66 630.75 Td (the ) Tj ET Q q 0 0 0 rg BT 315.76 630.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 343.36 630.75 Td ( ) Tj ET Q q 0 0 0 rg BT 346.56 630.75 Td (SC, ) Tj ET Q q 0 0 0 rg BT 366.42 630.75 Td (and ) Tj ET Q q 0 0 0 rg BT 386.30 630.75 Td (acting ) Tj ET Q q 0 0 0 rg BT 416.18 630.75 Td (as ) Tj ET Q q 0 0 0 rg BT 429.94 630.75 Td (a ) Tj ET Q q 0 0 0 rg BT 438.69 630.75 Td (sounding ) Tj ET Q q 0 0 0 rg BT 482.48 630.75 Td (board ) Tj ET Q q 0 0 0 rg BT 511.25 630.75 Td (for ) Tj ET Q q 0 0 0 rg BT 526.11 630.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 618.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 99.60 618.75 Td ( ) Tj ET Q q 0 0 0 rg BT 102.38 618.75 Td (team.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 596.75 Td (The ) Tj ET Q q 0 0 0 rg BT 91.51 596.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 119.11 596.75 Td ( ) Tj ET Q q 0 0 0 rg BT 121.39 596.75 Td (team, ) Tj ET Q q 0 0 0 rg BT 148.67 596.75 Td (reporting ) Tj ET Q q 0 0 0 rg BT 190.42 596.75 Td (to ) Tj ET Q q 0 0 0 rg BT 201.03 596.75 Td (the ) Tj ET Q q 0 0 0 rg BT 216.76 596.75 Td (Accountable ) Tj ET Q q 0 0 0 rg BT 274.07 596.75 Td (Executives ) Tj ET Q q 0 0 0 rg BT 324.71 596.75 Td (and ) Tj ET Q q 0 0 0 rg BT 343.67 596.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 371.27 596.75 Td ( ) Tj ET Q q 0 0 0 rg BT 373.54 596.75 Td (SC, ) Tj ET Q q 0 0 0 rg BT 392.49 596.75 Td (is ) Tj ET Q q 0 0 0 rg BT 401.99 596.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 455.41 596.75 Td (for ) Tj ET Q q 0 0 0 rg BT 469.35 596.75 Td (coordinating ) Tj ET Q q 0 0 0 rg BT 526.11 596.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 584.75 Td (process ) Tj ET Q q 0 0 0 rg BT 111.69 584.75 Td (of ) Tj ET Q q 0 0 0 rg BT 124.70 584.75 Td (planning, ) Tj ET Q q 0 0 0 rg BT 169.96 584.75 Td (development, ) Tj ET Q q 0 0 0 rg BT 234.67 584.75 Td (quality ) Tj ET Q q 0 0 0 rg BT 268.25 584.75 Td (control, ) Tj ET Q q 0 0 0 rg BT 305.71 584.75 Td (executive ) Tj ET Q q 0 0 0 rg BT 352.63 584.75 Td (sign-of) Tj ET Q q 0 0 0 rg BT 382.46 584.75 Td (f ) Tj ET Q q 0 0 0 rg BT 389.91 584.75 Td (and ) Tj ET Q q 0 0 0 rg BT 411.26 584.75 Td (submissions ) Tj ET Q q 0 0 0 rg BT 470.96 584.75 Td (of ) Tj ET Q q 0 0 0 rg BT 483.97 584.75 Td (the ) Tj ET Q q 0 0 0 rg BT 502.54 584.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 519.99 584.75 Td (Plan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 572.75 Td (deliverables ) Tj ET Q q 0 0 0 rg BT 127.08 572.75 Td (to ) Tj ET Q q 0 0 0 rg BT 137.13 572.75 Td (the ) Tj ET Q q 0 0 0 rg BT 152.75 572.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 190.04 572.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 211.20 572.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 257.39 572.75 Td (body) Tj ET Q q 0 0 0 rg BT 278.33 572.75 Td (, ) Tj ET Q q 0 0 0 rg BT 282.82 572.75 Td (in ) Tj ET Q q 0 0 0 rg BT 292.32 572.75 Td (line ) Tj ET Q q 0 0 0 rg BT 309.60 572.75 Td (with ) Tj ET Q q 0 0 0 rg BT 329.10 572.75 Td (internal ) Tj ET Q q 0 0 0 rg BT 363.61 572.75 Td (quality ) Tj ET Q q 0 0 0 rg BT 394.23 572.75 Td (standards, ) Tj ET Q q 0 0 0 rg BT 442.64 572.75 Td (industry ) Tj ET Q q 0 0 0 rg BT 479.37 572.75 Td (best ) Tj ET Q q 0 0 0 rg BT 499.99 572.75 Td (practices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 560.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.46 560.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 138.71 560.75 Td (expectations. ) Tj ET Q q 0 0 0 rg BT 200.41 560.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 538.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.33 538.75 Td (day-to-day ) Tj ET Q q 0 0 0 rg BT 142.67 538.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 184.12 538.75 Td (with ) Tj ET Q q 0 0 0 rg BT 205.00 538.75 Td (respect ) Tj ET Q q 0 0 0 rg BT 240.89 538.75 Td (to ) Tj ET Q q 0 0 0 rg BT 252.33 538.75 Td (the ) Tj ET Q q 0 0 0 rg BT 269.33 538.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 285.21 538.75 Td (RP) Tj ET Q q 0 0 0 rg BT 298.92 538.75 Td ( ) Tj ET Q q 0 0 0 rg BT 302.02 538.75 Td (are ) Tj ET Q q 0 0 0 rg BT 319.57 538.75 Td (managed ) Tj ET Q q 0 0 0 rg BT 364.37 538.75 Td (by ) Tj ET Q q 0 0 0 rg BT 378.03 538.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 405.63 538.75 Td ( ) Tj ET Q q 0 0 0 rg BT 408.73 538.75 Td (team. ) Tj ET Q q 0 0 0 rg BT 436.84 538.75 Td ( ) Tj ET Q q 0 0 0 rg BT 439.73 538.75 Td (The ) Tj ET Q q 0 0 0 rg BT 460.06 538.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 487.67 538.75 Td ( ) Tj ET Q q 0 0 0 rg BT 490.76 538.75 Td (team ) Tj ET Q q 0 0 0 rg BT 516.09 538.75 Td (leads ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 526.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.28 526.75 Td (determination ) Tj ET Q q 0 0 0 rg BT 151.25 526.75 Td (of ) Tj ET Q q 0 0 0 rg BT 161.96 526.75 Td (the ) Tj ET Q q 0 0 0 rg BT 178.24 526.75 Td (foundational ) Tj ET Q q 0 0 0 rg BT 235.11 526.75 Td (elements ) Tj ET Q q 0 0 0 rg BT 278.06 526.75 Td (and ) Tj ET Q q 0 0 0 rg BT 297.13 526.75 Td (the ) Tj ET Q q 0 0 0 rg BT 313.40 526.75 Td (strategic ) Tj ET Q q 0 0 0 rg BT 353.57 526.75 Td (analysis, ) Tj ET Q q 0 0 0 rg BT 394.86 526.75 Td (drives ) Tj ET Q q 0 0 0 rg BT 423.91 526.75 Td (the ) Tj ET Q q 0 0 0 rg BT 440.19 526.75 Td (overall ) Tj ET Q q 0 0 0 rg BT 472.02 526.75 Td (development ) Tj ET Q q 0 0 0 rg BT 531.66 526.75 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 514.75 Td (the ) Tj ET Q q 0 0 0 rg BT 88.47 514.75 Td (document ) Tj ET Q q 0 0 0 rg BT 134.95 514.75 Td (and ) Tj ET Q q 0 0 0 rg BT 154.19 514.75 Td (managing ) Tj ET Q q 0 0 0 rg BT 200.68 514.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 247.71 514.75 Td (interaction. ) Tj ET Q q 0 0 0 rg BT 299.19 514.75 Td ( ) Tj ET Q q 0 0 0 rg BT 301.59 514.75 Td (The ) Tj ET Q q 0 0 0 rg BT 321.38 514.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 348.99 514.75 Td ( ) Tj ET Q q 0 0 0 rg BT 351.55 514.75 Td (team ) Tj ET Q q 0 0 0 rg BT 376.35 514.75 Td (holds ) Tj ET Q q 0 0 0 rg BT 402.82 514.75 Td (bi-weekly ) Tj ET Q q 0 0 0 rg BT 447.06 514.75 Td (status ) Tj ET Q q 0 0 0 rg BT 476.30 514.75 Td (meetings, ) Tj ET Q q 0 0 0 rg BT 522.22 514.75 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 502.75 Td (senior ) Tj ET Q q 0 0 0 rg BT 102.38 502.75 Td (executives ) Tj ET Q q 0 0 0 rg BT 152.77 502.75 Td (and ) Tj ET Q q 0 0 0 rg BT 172.60 502.75 Td (management ) Tj ET Q q 0 0 0 rg BT 234.12 502.75 Td (across ) Tj ET Q q 0 0 0 rg BT 266.72 502.75 Td (the ) Tj ET Q q 0 0 0 rg BT 283.77 502.75 Td (MEs, ) Tj ET Q q 0 0 0 rg BT 309.69 502.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 337.29 502.75 Td (and ) Tj ET Q q 0 0 0 rg BT 357.12 502.75 Td (functions, ) Tj ET Q q 0 0 0 rg BT 403.07 502.75 Td (to ) Tj ET Q q 0 0 0 rg BT 414.56 502.75 Td (coordinate ) Tj ET Q q 0 0 0 rg BT 464.40 502.75 Td (ef) Tj ET Q q 0 0 0 rg BT 472.56 502.75 Td (forts ) Tj ET Q q 0 0 0 rg BT 495.15 502.75 Td (and ) Tj ET Q q 0 0 0 rg BT 514.98 502.75 Td (share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 490.75 Td (resources ) Tj ET Q q 0 0 0 rg BT 118.28 490.75 Td (across ) Tj ET Q q 0 0 0 rg BT 150.12 490.75 Td (the ) Tj ET Q q 0 0 0 rg BT 166.39 490.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 204.35 490.75 Td (groups ) Tj ET Q q 0 0 0 rg BT 237.30 490.75 Td (while ) Tj ET Q q 0 0 0 rg BT 262.47 490.75 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 311.54 490.75 Td (and ) Tj ET Q q 0 0 0 rg BT 330.60 490.75 Td (planning ) Tj ET Q q 0 0 0 rg BT 370.79 490.75 Td (workstream ) Tj ET Q q 0 0 0 rg BT 424.84 490.75 Td (activities. ) Tj ET Q q 0 0 0 rg BT 468.19 490.75 Td (The ) Tj ET Q q 0 0 0 rg BT 487.80 490.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 515.40 490.75 Td ( ) Tj ET Q q 0 0 0 rg BT 517.78 490.75 Td (team ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 478.75 Td (also ) Tj ET Q q 0 0 0 rg BT 92.91 478.75 Td (coordinates ) Tj ET Q q 0 0 0 rg BT 147.18 478.75 Td (with ) Tj ET Q q 0 0 0 rg BT 167.53 478.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 192.35 478.75 Td (s ) Tj ET Q q 0 0 0 rg BT 199.91 478.75 Td (Financial ) Tj ET Q q 0 0 0 rg BT 242.50 478.75 Td (Crisis ) Tj ET Q q 0 0 0 rg BT 270.06 478.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 331.00 478.75 Td (Of) Tj ET Q q 0 0 0 rg BT 341.37 478.75 Td (fice ) Tj ET Q q 0 0 0 rg BT 359.50 478.75 Td (on ) Tj ET Q q 0 0 0 rg BT 373.19 478.75 Td (the ) Tj ET Q q 0 0 0 rg BT 389.66 478.75 Td (production ) Tj ET Q q 0 0 0 rg BT 438.93 478.75 Td (and ) Tj ET Q q 0 0 0 rg BT 458.18 478.75 Td (analysis ) Tj ET Q q 0 0 0 rg BT 496.87 478.75 Td (of ) Tj ET Q q 0 0 0 rg BT 507.78 478.75 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 466.75 Td (data ) Tj ET Q q 0 0 0 rg BT 94.24 466.75 Td (points ) Tj ET Q q 0 0 0 rg BT 123.70 466.75 Td (to ) Tj ET Q q 0 0 0 rg BT 134.82 466.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 168.18 466.75 Td (consistency ) Tj ET Q q 0 0 0 rg BT 223.20 466.75 Td (across ) Tj ET Q q 0 0 0 rg BT 255.43 466.75 Td (jurisdictions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 444.75 Td (Due ) Tj ET Q q 0 0 0 rg BT 92.58 444.75 Td (to ) Tj ET Q q 0 0 0 rg BT 103.15 444.75 Td (the ) Tj ET Q q 0 0 0 rg BT 119.28 444.75 Td (in-depth ) Tj ET Q q 0 0 0 rg BT 157.65 444.75 Td (expertise ) Tj ET Q q 0 0 0 rg BT 200.45 444.75 Td (required ) Tj ET Q q 0 0 0 rg BT 239.37 444.75 Td (for ) Tj ET Q q 0 0 0 rg BT 253.27 444.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 285.52 444.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 334.45 444.75 Td (and ) Tj ET Q q 0 0 0 rg BT 353.36 444.75 Td (elements ) Tj ET Q q 0 0 0 rg BT 396.17 444.75 Td (of ) Tj ET Q q 0 0 0 rg BT 406.74 444.75 Td (the ) Tj ET Q q 0 0 0 rg BT 422.87 444.75 Td (plan, ) Tj ET Q q 0 0 0 rg BT 446.79 444.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 474.39 444.75 Td ( ) Tj ET Q q 0 0 0 rg BT 476.62 444.75 Td (team ) Tj ET Q q 0 0 0 rg BT 501.08 444.75 Td (engaged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 432.75 Td (a ) Tj ET Q q 0 0 0 rg BT 79.91 432.75 Td (cross-functional ) Tj ET Q q 0 0 0 rg BT 152.28 432.75 Td (group ) Tj ET Q q 0 0 0 rg BT 180.20 432.75 Td (of ) Tj ET Q q 0 0 0 rg BT 190.89 432.75 Td (SMEs ) Tj ET Q q 0 0 0 rg BT 219.91 432.75 Td (from ) Tj ET Q q 0 0 0 rg BT 242.25 432.75 Td (across ) Tj ET Q q 0 0 0 rg BT 274.05 432.75 Td (the ) Tj ET Q q 0 0 0 rg BT 290.30 432.75 Td (BMOFG ) Tj ET Q q 0 0 0 rg BT 329.31 432.75 Td (enterprise. ) Tj ET Q q 0 0 0 rg BT 378.90 432.75 Td ( ) Tj ET Q q 0 0 0 rg BT 381.09 432.75 Td (The ) Tj ET Q q 0 0 0 rg BT 400.67 432.75 Td (development ) Tj ET Q q 0 0 0 rg BT 460.28 432.75 Td (of ) Tj ET Q q 0 0 0 rg BT 470.96 432.75 Td (certain ) Tj ET Q q 0 0 0 rg BT 503.32 432.75 Td (sections ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 420.75 Td (of ) Tj ET Q q 0 0 0 rg BT 82.75 420.75 Td (the ) Tj ET Q q 0 0 0 rg BT 99.05 420.75 Td (RP) Tj ET Q q 0 0 0 rg BT 111.65 420.75 Td (, ) Tj ET Q q 0 0 0 rg BT 116.84 420.75 Td (providing ) Tj ET Q q 0 0 0 rg BT 159.82 420.75 Td (data ) Tj ET Q q 0 0 0 rg BT 181.69 420.75 Td (and ) Tj ET Q q 0 0 0 rg BT 200.78 420.75 Td (developing ) Tj ET Q q 0 0 0 rg BT 251.56 420.75 Td (content ) Tj ET Q q 0 0 0 rg BT 286.77 420.75 Td (is ) Tj ET Q q 0 0 0 rg BT 296.40 420.75 Td (the ) Tj ET Q q 0 0 0 rg BT 312.70 420.75 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 372.91 420.75 Td (of ) Tj ET Q q 0 0 0 rg BT 383.66 420.75 Td (the ) Tj ET Q q 0 0 0 rg BT 399.96 420.75 Td (SMEs ) Tj ET Q q 0 0 0 rg BT 429.04 420.75 Td (and ) Tj ET Q q 0 0 0 rg BT 448.13 420.75 Td (respective ) Tj ET Q q 0 0 0 rg BT 496.11 420.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 523.71 420.75 Td ( ) Tj ET Q q 0 0 0 rg BT 526.12 420.75 Td (SC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 408.75 Td (members. ) Tj ET Q q 0 0 0 rg BT 119.82 408.75 Td ( ) Tj ET Q q 0 0 0 rg BT 123.18 408.75 Td (Meetings ) Tj ET Q q 0 0 0 rg BT 167.13 408.75 Td (with ) Tj ET Q q 0 0 0 rg BT 188.28 408.75 Td (the ) Tj ET Q q 0 0 0 rg BT 205.54 408.75 Td (SMEs ) Tj ET Q q 0 0 0 rg BT 235.58 408.75 Td (are ) Tj ET Q q 0 0 0 rg BT 253.40 408.75 Td (conducted ) Tj ET Q q 0 0 0 rg BT 302.91 408.75 Td (on ) Tj ET Q q 0 0 0 rg BT 317.40 408.75 Td (a ) Tj ET Q q 0 0 0 rg BT 326.33 408.75 Td (bi-weekly ) Tj ET Q q 0 0 0 rg BT 371.37 408.75 Td (basis ) Tj ET Q q 0 0 0 rg BT 398.08 408.75 Td (to ) Tj ET Q q 0 0 0 rg BT 409.79 408.75 Td (facilitate ) Tj ET Q q 0 0 0 rg BT 449.84 408.75 Td (updates ) Tj ET Q q 0 0 0 rg BT 488.79 408.75 Td (on ) Tj ET Q q 0 0 0 rg BT 503.28 408.75 Td (the ) Tj ET Q q 0 0 0 rg BT 520.55 408.75 Td (data ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 396.75 Td (collection ) Tj ET Q q 0 0 0 rg BT 116.63 396.75 Td (and ) Tj ET Q q 0 0 0 rg BT 136.26 396.75 Td (document ) Tj ET Q q 0 0 0 rg BT 183.13 396.75 Td (development, ) Tj ET Q q 0 0 0 rg BT 246.11 396.75 Td (in ) Tj ET Q q 0 0 0 rg BT 256.84 396.75 Td (additional ) Tj ET Q q 0 0 0 rg BT 302.60 396.75 Td (to ) Tj ET Q q 0 0 0 rg BT 313.88 396.75 Td (individual ) Tj ET Q q 0 0 0 rg BT 358.52 396.75 Td (weekly ) Tj ET Q q 0 0 0 rg BT 392.03 396.75 Td (or ) Tj ET Q q 0 0 0 rg BT 403.87 396.75 Td (as-needed ) Tj ET Q q 0 0 0 rg BT 454.08 396.75 Td (meetings ) Tj ET Q q 0 0 0 rg BT 497.60 396.75 Td (with ) Tj ET Q q 0 0 0 rg BT 518.33 396.75 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 384.75 Td (SME. ) Tj ET Q q 0 0 0 rg BT 99.23 384.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 362.75 Td (A) Tj ET Q q 0 0 0 rg BT 78.12 362.75 Td ( ) Tj ET Q q 0 0 0 rg BT 80.42 362.75 Td (robust ) Tj ET Q q 0 0 0 rg BT 110.50 362.75 Td (review ) Tj ET Q q 0 0 0 rg BT 141.70 362.75 Td (and ) Tj ET Q q 0 0 0 rg BT 160.68 362.75 Td (approval ) Tj ET Q q 0 0 0 rg BT 201.34 362.75 Td (framework ) Tj ET Q q 0 0 0 rg BT 250.31 362.75 Td (was ) Tj ET Q q 0 0 0 rg BT 270.39 362.75 Td (designed ) Tj ET Q q 0 0 0 rg BT 313.28 362.75 Td (to ) Tj ET Q q 0 0 0 rg BT 323.91 362.75 Td (holistically ) Tj ET Q q 0 0 0 rg BT 371.78 362.75 Td (address ) Tj ET Q q 0 0 0 rg BT 409.65 362.75 Td (the ) Tj ET Q q 0 0 0 rg BT 425.85 362.75 Td (broad ) Tj ET Q q 0 0 0 rg BT 453.72 362.75 Td (nature ) Tj ET Q q 0 0 0 rg BT 484.38 362.75 Td (of ) Tj ET Q q 0 0 0 rg BT 495.01 362.75 Td (the ) Tj ET Q q 0 0 0 rg BT 511.21 362.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 526.29 362.75 Td (RP) Tj ET Q q 0 0 0 rg BT 540.00 362.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 350.75 Td (and ) Tj ET Q q 0 0 0 rg BT 90.33 350.75 Td (material ) Tj ET Q q 0 0 0 rg BT 127.55 350.75 Td (contained. ) Tj ET Q q 0 0 0 rg BT 175.24 350.75 Td (This ) Tj ET Q q 0 0 0 rg BT 195.78 350.75 Td (process, ) Tj ET Q q 0 0 0 rg BT 235.22 350.75 Td (managed ) Tj ET Q q 0 0 0 rg BT 278.57 350.75 Td (by ) Tj ET Q q 0 0 0 rg BT 290.78 350.75 Td (the ) Tj ET Q q 0 0 0 rg BT 306.33 350.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 333.93 350.75 Td ( ) Tj ET Q q 0 0 0 rg BT 335.58 350.75 Td (team, ) Tj ET Q q 0 0 0 rg BT 362.23 350.75 Td (was ) Tj ET Q q 0 0 0 rg BT 381.67 350.75 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 423.33 350.75 Td (by ) Tj ET Q q 0 0 0 rg BT 435.54 350.75 Td (the ) Tj ET Q q 0 0 0 rg BT 451.09 350.75 Td (Corporate ) Tj ET Q q 0 0 0 rg BT 497.21 350.75 Td (Secretary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 338.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.46 338.75 Td (the ) Tj ET Q q 0 0 0 rg BT 108.14 338.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 135.75 338.75 Td ( ) Tj ET Q q 0 0 0 rg BT 138.52 338.75 Td (SC, ) Tj ET Q q 0 0 0 rg BT 157.97 338.75 Td (and ) Tj ET Q q 0 0 0 rg BT 177.43 338.75 Td (approved ) Tj ET Q q 0 0 0 rg BT 221.91 338.75 Td (by ) Tj ET Q q 0 0 0 rg BT 235.25 338.75 Td (the ) Tj ET Q q 0 0 0 rg BT 251.93 338.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 279.53 338.75 Td ( ) Tj ET Q q 0 0 0 rg BT 282.31 338.75 Td (SC. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 316.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.05 316.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 107.65 316.75 Td (RP) Tj ET Q q 0 0 0 rg BT 120.25 316.75 Td (, ) Tj ET Q q 0 0 0 rg BT 125.85 316.75 Td (and ) Tj ET Q q 0 0 0 rg BT 145.35 316.75 Td (the ) Tj ET Q q 0 0 0 rg BT 162.07 316.75 Td (process ) Tj ET Q q 0 0 0 rg BT 199.90 316.75 Td (by ) Tj ET Q q 0 0 0 rg BT 213.28 316.75 Td (which ) Tj ET Q q 0 0 0 rg BT 241.67 316.75 Td (it ) Tj ET Q q 0 0 0 rg BT 249.49 316.75 Td (has ) Tj ET Q q 0 0 0 rg BT 268.43 316.75 Td (been ) Tj ET Q q 0 0 0 rg BT 293.50 316.75 Td (prepared, ) Tj ET Q q 0 0 0 rg BT 339.12 316.75 Td (is ) Tj ET Q q 0 0 0 rg BT 349.16 316.75 Td (subject ) Tj ET Q q 0 0 0 rg BT 383.67 316.75 Td (to ) Tj ET Q q 0 0 0 rg BT 394.82 316.75 Td (reviews ) Tj ET Q q 0 0 0 rg BT 431.54 316.75 Td (and ) Tj ET Q q 0 0 0 rg BT 451.04 316.75 Td (recommendation ) Tj ET Q q 0 0 0 rg BT 528.34 316.75 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 304.75 Td (approval ) Tj ET Q q 0 0 0 rg BT 113.14 304.75 Td (by:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 282.75 Td ( ) Tj ET Q q 0 0 0 rg BT 78.10 282.75 Td (The ) Tj ET Q q 0 0 0 rg BT 98.11 282.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 127.57 282.75 Td (of ) Tj ET Q q 0 0 0 rg BT 138.69 282.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 181.47 282.75 Td (of ) Tj ET Q q 0 0 0 rg BT 192.59 282.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 215.93 282.75 Td (\(approval ) Tj ET Q q 0 0 0 rg BT 260.40 282.75 Td (of ) Tj ET Q q 0 0 0 rg BT 271.52 282.75 Td (the ) Tj ET Q q 0 0 0 rg BT 288.20 282.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 303.75 282.75 Td (RP\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 267.75 Td ( ) Tj ET Q q 0 0 0 rg BT 78.10 267.75 Td (The ) Tj ET Q q 0 0 0 rg BT 98.11 267.75 Td (Board ) Tj ET Q q 0 0 0 rg BT 127.57 267.75 Td (of ) Tj ET Q q 0 0 0 rg BT 138.69 267.75 Td (Directors ) Tj ET Q q 0 0 0 rg BT 181.47 267.75 Td (of ) Tj ET Q q 0 0 0 rg BT 192.59 267.75 Td (BFC ) Tj ET Q q 0 0 0 rg BT 215.37 267.75 Td (\(review ) Tj ET Q q 0 0 0 rg BT 250.37 267.75 Td (of ) Tj ET Q q 0 0 0 rg BT 261.49 267.75 Td (the ) Tj ET Q q 0 0 0 rg BT 278.17 267.75 Td (IDI ) Tj ET Q q 0 0 0 rg BT 293.73 267.75 Td (plan\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 252.75 Td ( ) Tj ET Q q 0 0 0 rg BT 78.10 252.75 Td (The ) Tj ET Q q 0 0 0 rg BT 98.11 252.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 123.67 252.75 Td (USMC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 237.75 Td ( ) Tj ET Q q 0 0 0 rg BT 78.10 237.75 Td (The ) Tj ET Q q 0 0 0 rg BT 98.11 237.75 Td (USRP) Tj ET Q q 0 0 0 rg BT 125.71 237.75 Td ( ) Tj ET Q q 0 0 0 rg BT 128.49 237.75 Td (SC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 222.75 Td ( ) Tj ET Q q 0 0 0 rg BT 78.10 222.75 Td (The ) Tj ET Q q 0 0 0 rg BT 97.56 222.75 Td (Accountable ) Tj ET Q q 0 0 0 rg BT 155.37 222.75 Td (Executives) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 207.75 Td ( ) Tj ET Q q 0 0 0 rg BT 78.10 207.75 Td (The ) Tj ET Q q 0 0 0 rg BT 98.11 207.75 Td (executives ) Tj ET Q q 0 0 0 rg BT 148.13 207.75 Td (of ) Tj ET Q q 0 0 0 rg BT 159.25 207.75 Td (each ) Tj ET Q q 0 0 0 rg BT 183.71 207.75 Td (of ) Tj ET Q q 0 0 0 rg BT 194.83 207.75 Td (the ) Tj ET Q q 0 0 0 rg BT 211.51 207.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 249.87 207.75 Td (MEs, ) Tj ET Q q 0 0 0 rg BT 275.42 207.75 Td (CBLs ) Tj ET Q q 0 0 0 rg BT 302.65 207.75 Td (and ) Tj ET Q q 0 0 0 rg BT 322.12 207.75 Td (other ) Tj ET Q q 0 0 0 rg BT 347.69 207.75 Td (CSAs ) Tj ET Q /GS0 gs q 189.00 0 0 29.00 211.50 750.50 cm /I37 Do Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 72.00 185.75 Td (1.2.1) Tj ET Q q 0 0 0 rg BT 93.69 185.75 Td (1 ) Tj ET Q q 0 0 0 rg BT 102.03 185.75 Td ( ) Tj ET Q q 0 0 0 rg BT 104.81 185.75 Td (Material ) Tj ET Q q 0 0 0 rg BT 145.38 185.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 209.28 185.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 267.05 185.75 Td (Systems) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 308.19 185.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 163.75 Td (Access ) Tj ET Q q 0 0 0 rg BT 107.46 163.75 Td (to ) Tj ET Q q 0 0 0 rg BT 119.03 163.75 Td (relevant ) Tj ET Q q 0 0 0 rg BT 157.83 163.75 Td (data ) Tj ET Q q 0 0 0 rg BT 180.52 163.75 Td (at ) Tj ET Q q 0 0 0 rg BT 192.09 163.75 Td (the ) Tj ET Q q 0 0 0 rg BT 209.22 163.75 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 263.04 163.75 Td (frequency ) Tj ET Q q 0 0 0 rg BT 310.19 163.75 Td (is ) Tj ET Q q 0 0 0 rg BT 320.64 163.75 Td (important ) Tj ET Q q 0 0 0 rg BT 365.55 163.75 Td (to ) Tj ET Q q 0 0 0 rg BT 377.12 163.75 Td (being ) Tj ET Q q 0 0 0 rg BT 404.81 163.75 Td (able ) Tj ET Q q 0 0 0 rg BT 426.95 163.75 Td (to ) Tj ET Q q 0 0 0 rg BT 438.52 163.75 Td (successfully ) Tj ET Q q 0 0 0 rg BT 495.65 163.75 Td (resolve ) Tj ET Q q 0 0 0 rg BT 531.12 163.75 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 151.75 Td (restructure ) Tj ET Q q 0 0 0 rg BT 122.83 151.75 Td (in ) Tj ET Q q 0 0 0 rg BT 133.66 151.75 Td (the ) Tj ET Q q 0 0 0 rg BT 150.60 151.75 Td (event ) Tj ET Q q 0 0 0 rg BT 178.11 151.75 Td (of ) Tj ET Q q 0 0 0 rg BT 189.49 151.75 Td (failure. ) Tj ET Q q 0 0 0 rg BT 222.54 151.75 Td (Within ) Tj ET Q q 0 0 0 rg BT 253.37 151.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 279.19 151.75 Td (U.S., ) Tj ET Q q 0 0 0 rg BT 304.46 151.75 Td (this ) Tj ET Q q 0 0 0 rg BT 323.06 151.75 Td (data ) Tj ET Q q 0 0 0 rg BT 345.56 151.75 Td (typically ) Tj ET Q q 0 0 0 rg BT 384.17 151.75 Td (resides ) Tj ET Q q 0 0 0 rg BT 419.45 151.75 Td (on ) Tj ET Q q 0 0 0 rg BT 433.61 151.75 Td (MIS ) Tj ET Q q 0 0 0 rg BT 454.43 151.75 Td (that ) Tj ET Q q 0 0 0 rg BT 474.16 151.75 Td (are ) Tj ET Q q 0 0 0 rg BT 491.65 151.75 Td (collectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 139.75 Td (designed ) Tj ET Q q 0 0 0 rg BT 114.22 139.75 Td (to ) Tj ET Q q 0 0 0 rg BT 124.18 139.75 Td (pull ) Tj ET Q q 0 0 0 rg BT 141.37 139.75 Td (information ) Tj ET Q q 0 0 0 rg BT 192.46 139.75 Td (from ) Tj ET Q q 0 0 0 rg BT 214.09 139.75 Td (source ) Tj ET Q q 0 0 0 rg BT 245.73 139.75 Td (systems, ) Tj ET Q q 0 0 0 rg BT 286.80 139.75 Td (feed ) Tj ET Q q 0 0 0 rg BT 307.89 139.75 Td (into ) Tj ET Q q 0 0 0 rg BT 325.64 139.75 Td (analytical ) Tj ET Q q 0 0 0 rg BT 368.95 139.75 Td (systems ) Tj ET Q q 0 0 0 rg BT 407.25 139.75 Td (and ) Tj ET Q q 0 0 0 rg BT 425.56 139.75 Td (produce ) Tj ET Q q 0 0 0 rg BT 463.32 139.75 Td (specified ) Tj ET Q q 0 0 0 rg BT 504.41 139.75 Td (outputs.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 117.75 Td (BMO) Tj ET Q q 0 0 0 rg BT 96.82 117.75 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.29 117.75 Td (MIS ) Tj ET Q q 0 0 0 rg BT 122.53 117.75 Td (capabilities ) Tj ET Q q 0 0 0 rg BT 173.47 117.75 Td (enable ) Tj ET Q q 0 0 0 rg BT 204.96 117.75 Td (users ) Tj ET Q q 0 0 0 rg BT 230.88 117.75 Td (to ) Tj ET Q q 0 0 0 rg BT 240.69 117.75 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 287.20 117.75 Td (data ) Tj ET Q q 0 0 0 rg BT 308.13 117.75 Td (at ) Tj ET Q q 0 0 0 rg BT 317.93 117.75 Td (the ) Tj ET Q q 0 0 0 rg BT 333.30 117.75 Td (level ) Tj ET Q q 0 0 0 rg BT 355.33 117.75 Td (of ) Tj ET Q q 0 0 0 rg BT 365.14 117.75 Td (product ) Tj ET Q q 0 0 0 rg BT 399.96 117.75 Td (or ) Tj ET Q q 0 0 0 rg BT 410.32 117.75 Td (operational ) Tj ET Q q 0 0 0 rg BT 461.27 117.75 Td (process, ) Tj ET Q q 0 0 0 rg BT 500.52 117.75 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 105.75 Td (line ) Tj ET Q q 0 0 0 rg BT 90.27 105.75 Td (or ) Tj ET Q q 0 0 0 rg BT 101.87 105.75 Td (function, ) Tj ET Q q 0 0 0 rg BT 142.38 105.75 Td (or ) Tj ET Q q 0 0 0 rg BT 153.97 105.75 Td (legal ) Tj ET Q q 0 0 0 rg BT 177.81 105.75 Td (entity) Tj ET Q q 0 0 0 rg BT 200.96 105.75 Td (. ) Tj ET Q q 0 0 0 rg BT 206.45 105.75 Td ( ) Tj ET Q q 0 0 0 rg BT 208.98 105.75 Td (The ) Tj ET Q q 0 0 0 rg BT 228.91 105.75 Td (majority ) Tj ET Q q 0 0 0 rg BT 266.62 105.75 Td (of ) Tj ET Q q 0 0 0 rg BT 277.67 105.75 Td (the ) Tj ET Q q 0 0 0 rg BT 294.28 105.75 Td (key ) Tj ET Q q 0 0 0 rg BT 312.54 105.75 Td (MIS ) Tj ET Q q 0 0 0 rg BT 333.03 105.75 Td (applications ) Tj ET Q q 0 0 0 rg BT 388.54 105.75 Td (are ) Tj ET Q q 0 0 0 rg BT 405.70 105.75 Td (vendor ) Tj ET Q q 0 0 0 rg BT 438.98 105.75 Td (provided ) Tj ET Q q 0 0 0 rg BT 480.05 105.75 Td (solutions ) Tj ET Q q 0 0 0 rg BT 522.22 105.75 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 93.75 Td (hosting ) Tj ET Q q 0 0 0 rg BT 109.47 93.75 Td (either ) Tj ET Q q 0 0 0 rg BT 139.72 93.75 Td (in-house ) Tj ET Q q 0 0 0 rg BT 183.30 93.75 Td (or ) Tj ET Q q 0 0 0 rg BT 197.42 93.75 Td (outsourced ) Tj ET Q q 0 0 0 rg BT 252.13 93.75 Td (to ) Tj ET Q q 0 0 0 rg BT 265.70 93.75 Td (the ) Tj ET Q q 0 0 0 rg BT 284.83 93.75 Td (vendor) Tj ET Q q 0 0 0 rg BT 314.85 93.75 Td (. ) Tj ET Q q 0 0 0 rg BT 322.86 93.75 Td ( ) Tj ET Q q 0 0 0 rg BT 327.75 93.75 Td (They ) Tj ET Q q 0 0 0 rg BT 355.21 93.75 Td (are ) Tj ET Q q 0 0 0 rg BT 374.89 93.75 Td (highly ) Tj ET Q q 0 0 0 rg BT 406.24 93.75 Td (automated ) Tj ET Q q 0 0 0 rg BT 458.73 93.75 Td (and ) Tj ET Q q 0 0 0 rg BT 480.64 93.75 Td (used ) Tj ET Q q 0 0 0 rg BT 507.55 93.75 Td (for ) Tj ET Q q 0 0 0 rg BT 524.45 93.75 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 81.75 Td (management, ) Tj ET Q q 0 0 0 rg BT 135.93 81.75 Td (accounting ) Tj ET Q q 0 0 0 rg BT 187.07 81.75 Td (/ ) Tj ET Q q 0 0 0 rg BT 192.63 81.75 Td (financial, ) Tj ET Q q 0 0 0 rg BT 234.88 81.75 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 282.12 81.75 Td (and ) Tj ET Q q 0 0 0 rg BT 301.58 81.75 Td (management ) Tj ET Q q 0 0 0 rg BT 362.73 81.75 Td (reporting. ) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 59 0 obj <> endobj 60 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p29 ) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 711.16552734375 m 128.1279296875 711.16552734375 l s q 0 0 0 rg BT 72.00 712.75 Td (Capabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 690.75 Td (The ) Tj ET Q q 0 0 0 rg BT 93.05 690.75 Td (CIO ) Tj ET Q q 0 0 0 rg BT 114.66 690.75 Td (\(Chief ) Tj ET Q q 0 0 0 rg BT 145.15 690.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 199.00 690.75 Td (Of) Tj ET Q q 0 0 0 rg BT 209.38 690.75 Td (ficer\) ) Tj ET Q q 0 0 0 rg BT 235.42 690.75 Td (organization ) Tj ET Q q 0 0 0 rg BT 293.73 690.75 Td (is ) Tj ET Q q 0 0 0 rg BT 304.77 690.75 Td (responsible ) Tj ET Q q 0 0 0 rg BT 359.74 690.75 Td (for ) Tj ET Q q 0 0 0 rg BT 375.23 690.75 Td (the ) Tj ET Q q 0 0 0 rg BT 392.95 690.75 Td (management ) Tj ET Q q 0 0 0 rg BT 455.14 690.75 Td (and ) Tj ET Q q 0 0 0 rg BT 475.65 690.75 Td (delivery ) Tj ET Q q 0 0 0 rg BT 513.93 690.75 Td (of ) Tj ET Q q 0 0 0 rg BT 526.09 690.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 678.75 Td (company) Tj ET Q q 0 0 0 rg BT 114.62 678.75 Td (s ) Tj ET Q q 0 0 0 rg BT 122.58 678.75 Td (critical ) Tj ET Q q 0 0 0 rg BT 153.88 678.75 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 201.31 678.75 Td (technology ) Tj ET Q q 0 0 0 rg BT 252.65 678.75 Td (functions ) Tj ET Q q 0 0 0 rg BT 295.64 678.75 Td (from ) Tj ET Q q 0 0 0 rg BT 318.41 678.75 Td (T) Tj ET Q q 0 0 0 rg BT 323.41 678.75 Td (echnology ) Tj ET Q q 0 0 0 rg BT 371.96 678.75 Td (Strategy ) Tj ET Q q 0 0 0 rg BT 412.17 678.75 Td (through ) Tj ET Q q 0 0 0 rg BT 449.05 678.75 Td (Project ) Tj ET Q q 0 0 0 rg BT 483.14 678.75 Td (Delivery ) Tj ET Q q 0 0 0 rg BT 522.22 678.75 Td (\(per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 666.75 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 105.53 666.75 Td (Systems ) Tj ET Q q 0 0 0 rg BT 147.70 666.75 Td (Development ) Tj ET Q q 0 0 0 rg BT 210.44 666.75 Td (Life ) Tj ET Q q 0 0 0 rg BT 230.39 666.75 Td (Cycle ) Tj ET Q q 0 0 0 rg BT 259.23 666.75 Td (- ) Tj ET Q q 0 0 0 rg BT 266.38 666.75 Td (SDLC\) ) Tj ET Q q 0 0 0 rg BT 300.22 666.75 Td (and ) Tj ET Q q 0 0 0 rg BT 320.73 666.75 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 360.15 666.75 Td (application ) Tj ET Q q 0 0 0 rg BT 411.79 666.75 Td (management ) Tj ET Q q 0 0 0 rg BT 473.98 666.75 Td (and ) Tj ET Q q 0 0 0 rg BT 494.49 666.75 Td (support ) Tj ET Q q 0 0 0 rg BT 531.67 666.75 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 654.75 Td (enable ) Tj ET Q q 0 0 0 rg BT 106.58 654.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 133.91 654.75 Td (U.S.) Tj ET Q q 0 0 0 rg BT 155.40 654.75 Td (s ) Tj ET Q q 0 0 0 rg BT 164.95 654.75 Td (businesses ) Tj ET Q q 0 0 0 rg BT 219.54 654.75 Td (and ) Tj ET Q q 0 0 0 rg BT 240.77 654.75 Td (other ) Tj ET Q q 0 0 0 rg BT 268.12 654.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 314.92 654.75 Td (support ) Tj ET Q q 0 0 0 rg BT 352.82 654.75 Td (areas ) Tj ET Q q 0 0 0 rg BT 382.39 654.75 Td (\(e.g., ) Tj ET Q q 0 0 0 rg BT 409.73 654.75 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 452.64 654.75 Td (Human ) Tj ET Q q 0 0 0 rg BT 489.42 654.75 Td (Resources, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 642.75 Td (Marketing, ) Tj ET Q q 0 0 0 rg BT 121.46 642.75 Td (Legal, ) Tj ET Q q 0 0 0 rg BT 150.94 642.75 Td (Audit, ) Tj ET Q q 0 0 0 rg BT 179.29 642.75 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 230.42 642.75 Td (and ) Tj ET Q q 0 0 0 rg BT 249.89 642.75 Td (Compliance, ) Tj ET Q q 0 0 0 rg BT 308.25 642.75 Td (Facilities, ) Tj ET Q q 0 0 0 rg BT 352.70 642.75 Td (Procurement\).) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 620.75 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 120.62 620.75 Td (Infrastructure ) Tj ET Q q 0 0 0 rg BT 182.58 620.75 Td (delivers ) Tj ET Q q 0 0 0 rg BT 220.09 620.75 Td (and ) Tj ET Q q 0 0 0 rg BT 239.82 620.75 Td (manages ) Tj ET Q q 0 0 0 rg BT 284.00 620.75 Td (robust, ) Tj ET Q q 0 0 0 rg BT 317.62 620.75 Td (reliable ) Tj ET Q q 0 0 0 rg BT 352.91 620.75 Td (and ) Tj ET Q q 0 0 0 rg BT 372.64 620.75 Td (cost ) Tj ET Q q 0 0 0 rg BT 394.03 620.75 Td (ef) Tj ET Q q 0 0 0 rg BT 402.19 620.75 Td (fective ) Tj ET Q q 0 0 0 rg BT 434.13 620.75 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 481.65 620.75 Td (infrastructure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 608.75 Td (technology ) Tj ET Q q 0 0 0 rg BT 124.39 608.75 Td (and ) Tj ET Q q 0 0 0 rg BT 145.10 608.75 Td (associated ) Tj ET Q q 0 0 0 rg BT 196.93 608.75 Td (services ) Tj ET Q q 0 0 0 rg BT 237.63 608.75 Td (to ) Tj ET Q q 0 0 0 rg BT 249.99 608.75 Td (every ) Tj ET Q q 0 0 0 rg BT 278.47 608.75 Td (line ) Tj ET Q q 0 0 0 rg BT 298.06 608.75 Td (of ) Tj ET Q q 0 0 0 rg BT 310.42 608.75 Td (business. ) Tj ET Q q 0 0 0 rg BT 356.43 608.75 Td (These ) Tj ET Q q 0 0 0 rg BT 388.25 608.75 Td (include ) Tj ET Q q 0 0 0 rg BT 423.96 608.75 Td (data ) Tj ET Q q 0 0 0 rg BT 447.45 608.75 Td (centers ) Tj ET Q q 0 0 0 rg BT 484.26 608.75 Td (and ) Tj ET Q q 0 0 0 rg BT 504.97 608.75 Td (hosting; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 596.75 Td (networks ) Tj ET Q q 0 0 0 rg BT 115.97 596.75 Td (and ) Tj ET Q q 0 0 0 rg BT 136.62 596.75 Td (network ) Tj ET Q q 0 0 0 rg BT 175.59 596.75 Td (components; ) Tj ET Q q 0 0 0 rg BT 236.80 596.75 Td (mainframes, ) Tj ET Q q 0 0 0 rg BT 295.78 596.75 Td (client ) Tj ET Q q 0 0 0 rg BT 323.08 596.75 Td (servers, ) Tj ET Q q 0 0 0 rg BT 362.60 596.75 Td (multiple ) Tj ET Q q 0 0 0 rg BT 401.02 596.75 Td (storage ) Tj ET Q q 0 0 0 rg BT 438.33 596.75 Td (types, ) Tj ET Q q 0 0 0 rg BT 468.97 596.75 Td (telephony) Tj ET Q q 0 0 0 rg BT 511.59 596.75 Td (, ) Tj ET Q q 0 0 0 rg BT 518.33 596.75 Td (PCs, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 584.75 Td (messaging ) Tj ET Q q 0 0 0 rg BT 123.14 584.75 Td (services, ) Tj ET Q q 0 0 0 rg BT 165.37 584.75 Td (service ) Tj ET Q q 0 0 0 rg BT 199.82 584.75 Td (management, ) Tj ET Q q 0 0 0 rg BT 263.75 584.75 Td (operations ) Tj ET Q q 0 0 0 rg BT 313.23 584.75 Td (support ) Tj ET Q q 0 0 0 rg BT 349.36 584.75 Td (and ) Tj ET Q q 0 0 0 rg BT 368.82 584.75 Td (planning.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 562.75 Td (Global ) Tj ET Q q 0 0 0 rg BT 103.63 562.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 156.19 562.75 Td (T) Tj ET Q q 0 0 0 rg BT 161.19 562.75 Td (echnology ) Tj ET Q q 0 0 0 rg BT 209.50 562.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 231.66 562.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 292.75 562.75 Td (serves ) Tj ET Q q 0 0 0 rg BT 324.92 562.75 Td (as ) Tj ET Q q 0 0 0 rg BT 338.20 562.75 Td (a ) Tj ET Q q 0 0 0 rg BT 346.48 562.75 Td (corporate ) Tj ET Q q 0 0 0 rg BT 391.45 562.75 Td (function ) Tj ET Q q 0 0 0 rg BT 429.19 562.75 Td (to ) Tj ET Q q 0 0 0 rg BT 440.25 562.75 Td (protect ) Tj ET Q q 0 0 0 rg BT 473.54 562.75 Td (the ) Tj ET Q q 0 0 0 rg BT 490.16 562.75 Td (Company) Tj ET Q q 0 0 0 rg BT 535.00 562.75 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 550.75 Td (information ) Tj ET Q q 0 0 0 rg BT 128.08 550.75 Td (systems, ) Tj ET Q q 0 0 0 rg BT 174.14 550.75 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 228.56 550.75 Td (data, ) Tj ET Q q 0 0 0 rg BT 257.41 550.75 Td (and ) Tj ET Q q 0 0 0 rg BT 280.71 550.75 Td (customer ) Tj ET Q q 0 0 0 rg BT 328.45 550.75 Td (information. ) Tj ET Q q 0 0 0 rg BT 387.31 550.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 443.95 550.75 Td (Security ) Tj ET Q q 0 0 0 rg BT 486.68 550.75 Td (manages ) Tj ET Q q 0 0 0 rg BT 534.44 550.75 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 538.75 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 142.59 538.75 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 191.50 538.75 Td (controls ) Tj ET Q q 0 0 0 rg BT 229.29 538.75 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 516.75 Td (For ) Tj ET Q q 0 0 0 rg BT 89.92 516.75 Td (key ) Tj ET Q q 0 0 0 rg BT 108.40 516.75 Td (applications ) Tj ET Q q 0 0 0 rg BT 164.13 516.75 Td (that ) Tj ET Q q 0 0 0 rg BT 183.73 516.75 Td (are ) Tj ET Q q 0 0 0 rg BT 201.10 516.75 Td (hosted ) Tj ET Q q 0 0 0 rg BT 234.05 516.75 Td (internally) Tj ET Q q 0 0 0 rg BT 273.33 516.75 Td (, ) Tj ET Q q 0 0 0 rg BT 279.02 516.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 304.72 516.75 Td (operates ) Tj ET Q q 0 0 0 rg BT 346.56 516.75 Td (two ) Tj ET Q q 0 0 0 rg BT 365.04 516.75 Td (core ) Tj ET Q q 0 0 0 rg BT 387.41 516.75 Td (data ) Tj ET Q q 0 0 0 rg BT 409.79 516.75 Td (centers ) Tj ET Q q 0 0 0 rg BT 445.50 516.75 Td (for ) Tj ET Q q 0 0 0 rg BT 460.09 516.75 Td (the ) Tj ET Q q 0 0 0 rg BT 476.91 516.75 Td (majority ) Tj ET Q q 0 0 0 rg BT 514.84 516.75 Td (of ) Tj ET Q q 0 0 0 rg BT 526.10 516.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 504.75 Td (services. ) Tj ET Q q 0 0 0 rg BT 113.96 504.75 Td ( ) Tj ET Q q 0 0 0 rg BT 116.31 504.75 Td (There ) Tj ET Q q 0 0 0 rg BT 144.95 504.75 Td (are ) Tj ET Q q 0 0 0 rg BT 161.91 504.75 Td (several ) Tj ET Q q 0 0 0 rg BT 196.66 504.75 Td (smaller ) Tj ET Q q 0 0 0 rg BT 231.40 504.75 Td (data ) Tj ET Q q 0 0 0 rg BT 253.37 504.75 Td (centers ) Tj ET Q q 0 0 0 rg BT 288.67 504.75 Td (that ) Tj ET Q q 0 0 0 rg BT 307.87 504.75 Td (provide ) Tj ET Q q 0 0 0 rg BT 343.17 504.75 Td (niche ) Tj ET Q q 0 0 0 rg BT 369.59 504.75 Td (services ) Tj ET Q q 0 0 0 rg BT 408.78 504.75 Td (such ) Tj ET Q q 0 0 0 rg BT 432.41 504.75 Td (as ) Tj ET Q q 0 0 0 rg BT 445.48 504.75 Td (trading ) Tj ET Q q 0 0 0 rg BT 478.57 504.75 Td (room ) Tj ET Q q 0 0 0 rg BT 503.87 504.75 Td (support. ) Tj ET Q q 0 0 0 rg BT 542.78 504.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 492.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.02 492.75 Td (core ) Tj ET Q q 0 0 0 rg BT 114.26 492.75 Td (data ) Tj ET Q q 0 0 0 rg BT 136.51 492.75 Td (centers ) Tj ET Q q 0 0 0 rg BT 172.10 492.75 Td (are ) Tj ET Q q 0 0 0 rg BT 189.34 492.75 Td (geographically ) Tj ET Q q 0 0 0 rg BT 256.62 492.75 Td (separated ) Tj ET Q q 0 0 0 rg BT 303.88 492.75 Td (to ) Tj ET Q q 0 0 0 rg BT 315.01 492.75 Td (support ) Tj ET Q q 0 0 0 rg BT 351.15 492.75 Td (our ) Tj ET Q q 0 0 0 rg BT 368.40 492.75 Td (high ) Tj ET Q q 0 0 0 rg BT 390.09 492.75 Td (availability) Tj ET Q q 0 0 0 rg BT 435.48 492.75 Td (, ) Tj ET Q q 0 0 0 rg BT 441.05 492.75 Td (resiliency ) Tj ET Q q 0 0 0 rg BT 485.52 492.75 Td (and ) Tj ET Q q 0 0 0 rg BT 504.99 492.75 Td (disaster ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 480.75 Td (recovery ) Tj ET Q q 0 0 0 rg BT 114.93 480.75 Td (strategy) Tj ET Q q 0 0 0 rg BT 149.76 480.75 Td (. ) Tj ET Q q 0 0 0 rg BT 157.12 480.75 Td ( ) Tj ET Q q 0 0 0 rg BT 161.70 480.75 Td (In ) Tj ET Q q 0 0 0 rg BT 174.62 480.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 217.01 480.75 Td (critical ) Tj ET Q q 0 0 0 rg BT 249.93 480.75 Td (support ) Tj ET Q q 0 0 0 rg BT 287.86 480.75 Td (staf) Tj ET Q q 0 0 0 rg BT 303.80 480.75 Td (f ) Tj ET Q q 0 0 0 rg BT 311.16 480.75 Td (is ) Tj ET Q q 0 0 0 rg BT 322.96 480.75 Td (split ) Tj ET Q q 0 0 0 rg BT 345.33 480.75 Td (across ) Tj ET Q q 0 0 0 rg BT 379.37 480.75 Td (multiple ) Tj ET Q q 0 0 0 rg BT 418.41 480.75 Td (sites ) Tj ET Q q 0 0 0 rg BT 443.55 480.75 Td (to ) Tj ET Q q 0 0 0 rg BT 456.47 480.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 491.63 480.75 Td (continuous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 468.75 Td (availability) Tj ET Q q 0 0 0 rg BT 117.39 468.75 Td (.) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 445.16552734375 m 129.802734375 445.16552734375 l s q 0 0 0 rg BT 72.00 446.75 Td (Governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 424.75 Td (There ) Tj ET Q q 0 0 0 rg BT 99.90 424.75 Td (are ) Tj ET Q q 0 0 0 rg BT 116.13 424.75 Td (additional ) Tj ET Q q 0 0 0 rg BT 160.72 424.75 Td (governance ) Tj ET Q q 0 0 0 rg BT 214.76 424.75 Td (activities ) Tj ET Q q 0 0 0 rg BT 254.89 424.75 Td (built ) Tj ET Q q 0 0 0 rg BT 275.01 424.75 Td (into ) Tj ET Q q 0 0 0 rg BT 292.91 424.75 Td (BMO's ) Tj ET Q q 0 0 0 rg BT 324.38 424.75 Td (SDLC ) Tj ET Q q 0 0 0 rg BT 352.83 424.75 Td (\(like ) Tj ET Q q 0 0 0 rg BT 372.94 424.75 Td (Information ) Tj ET Q q 0 0 0 rg BT 424.75 424.75 Td (Security ) Tj ET Q q 0 0 0 rg BT 462.65 424.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 483.87 424.75 Td (assessment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 412.75 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 115.00 412.75 Td (Architecture ) Tj ET Q q 0 0 0 rg BT 170.67 412.75 Td (Review\). ) Tj ET Q q 0 0 0 rg BT 211.88 412.75 Td (In ) Tj ET Q q 0 0 0 rg BT 222.54 412.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 262.67 412.75 Td (there ) Tj ET Q q 0 0 0 rg BT 287.78 412.75 Td (are ) Tj ET Q q 0 0 0 rg BT 304.55 412.75 Td (audits ) Tj ET Q q 0 0 0 rg BT 333.55 412.75 Td (and ) Tj ET Q q 0 0 0 rg BT 352.56 412.75 Td (reviews ) Tj ET Q q 0 0 0 rg BT 388.77 412.75 Td (carried ) Tj ET Q q 0 0 0 rg BT 421.66 412.75 Td (out ) Tj ET Q q 0 0 0 rg BT 437.88 412.75 Td (by ) Tj ET Q q 0 0 0 rg BT 450.76 412.75 Td (the ) Tj ET Q q 0 0 0 rg BT 466.98 412.75 Td (second ) Tj ET Q q 0 0 0 rg BT 501.54 412.75 Td (and ) Tj ET Q q 0 0 0 rg BT 520.54 412.75 Td (third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 400.75 Td (line ) Tj ET Q q 0 0 0 rg BT 90.34 400.75 Td (of ) Tj ET Q q 0 0 0 rg BT 101.46 400.75 Td (defense ) Tj ET Q q 0 0 0 rg BT 139.83 400.75 Td (groups ) Tj ET Q q 0 0 0 rg BT 173.18 400.75 Td (\(e.g., ) Tj ET Q q 0 0 0 rg BT 198.75 400.75 Td (Program ) Tj ET Q q 0 0 0 rg BT 239.87 400.75 Td (and ) Tj ET Q q 0 0 0 rg BT 259.33 400.75 Td (Project ) Tj ET Q q 0 0 0 rg BT 293.24 400.75 Td (Quality ) Tj ET Q q 0 0 0 rg BT 326.58 400.75 Td (Assurance ) Tj ET Q q 0 0 0 rg BT 376.61 400.75 Td ( ) Tj ET Q q 0 0 0 rg BT 379.39 400.75 Td (\(PPQA\) ) Tj ET Q q 0 0 0 rg BT 416.61 400.75 Td (and ) Tj ET Q q 0 0 0 rg BT 435.53 400.75 Td (Audit\).) Tj ET Q BT /F1 10.00 Tf ET BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 1.05 w 0 i [] 0 d 1 J 1 j 3 M 72 377.16552734375 m 232.576171875 377.16552734375 l s q 0 0 0 rg BT 72.00 378.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 119.24 378.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 171.45 378.75 Td (Management) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 232.58 378.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 356.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 114.94 356.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 161.78 356.75 Td (Planning ) Tj ET Q q 0 0 0 rg BT 203.07 356.75 Td (\(BCP\) ) Tj ET Q q 0 0 0 rg BT 232.66 356.75 Td (requires ) Tj ET Q q 0 0 0 rg BT 271.16 356.75 Td (all ) Tj ET Q q 0 0 0 rg BT 283.53 356.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 326.48 356.75 Td (Units ) Tj ET Q q 0 0 0 rg BT 351.63 356.75 Td (to ) Tj ET Q q 0 0 0 rg BT 362.34 356.75 Td (have ) Tj ET Q q 0 0 0 rg BT 386.39 356.75 Td (plans ) Tj ET Q q 0 0 0 rg BT 412.66 356.75 Td (refreshed ) Tj ET Q q 0 0 0 rg BT 457.28 356.75 Td (on ) Tj ET Q q 0 0 0 rg BT 470.77 356.75 Td (an ) Tj ET Q q 0 0 0 rg BT 484.26 356.75 Td (annual ) Tj ET Q q 0 0 0 rg BT 516.66 356.75 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 344.75 Td (and ) Tj ET Q q 0 0 0 rg BT 91.12 344.75 Td (reflect ) Tj ET Q q 0 0 0 rg BT 120.78 344.75 Td (significant ) Tj ET Q q 0 0 0 rg BT 167.68 344.75 Td (business ) Tj ET Q q 0 0 0 rg BT 209.58 344.75 Td (changes ) Tj ET Q q 0 0 0 rg BT 249.82 344.75 Td (with ) Tj ET Q q 0 0 0 rg BT 270.04 344.75 Td (the ) Tj ET Q q 0 0 0 rg BT 286.37 344.75 Td (aim ) Tj ET Q q 0 0 0 rg BT 304.92 344.75 Td (of ) Tj ET Q q 0 0 0 rg BT 315.69 344.75 Td (developing ) Tj ET Q q 0 0 0 rg BT 366.50 344.75 Td (advance ) Tj ET Q q 0 0 0 rg BT 406.74 344.75 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 470.87 344.75 Td (and ) Tj ET Q q 0 0 0 rg BT 489.99 344.75 Td (procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 332.75 Td (to ) Tj ET Q q 0 0 0 rg BT 84.08 332.75 Td (recover ) Tj ET Q q 0 0 0 rg BT 121.16 332.75 Td (from ) Tj ET Q q 0 0 0 rg BT 144.90 332.75 Td (and ) Tj ET Q q 0 0 0 rg BT 165.32 332.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 199.63 332.75 Td (continuity ) Tj ET Q q 0 0 0 rg BT 245.62 332.75 Td (of ) Tj ET Q q 0 0 0 rg BT 257.69 332.75 Td (business ) Tj ET Q q 0 0 0 rg BT 300.90 332.75 Td (processes ) Tj ET Q q 0 0 0 rg BT 350.21 332.75 Td (within ) Tj ET Q q 0 0 0 rg BT 379.51 332.75 Td (defined ) Tj ET Q q 0 0 0 rg BT 416.06 332.75 Td (Maximum ) Tj ET Q q 0 0 0 rg BT 462.89 332.75 Td (T) Tj ET Q q 0 0 0 rg BT 467.89 332.75 Td (olerable ) Tj ET Q q 0 0 0 rg BT 507.21 332.75 Td (Outage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 320.75 Td (\(MT) Tj ET Q q 0 0 0 rg BT 89.59 320.75 Td (O\). ) Tj ET Q q 0 0 0 rg BT 105.58 320.75 Td (The ) Tj ET Q q 0 0 0 rg BT 125.06 320.75 Td (plan ) Tj ET Q q 0 0 0 rg BT 146.21 320.75 Td (must ) Tj ET Q q 0 0 0 rg BT 170.13 320.75 Td (be ) Tj ET Q q 0 0 0 rg BT 183.50 320.75 Td (formally ) Tj ET Q q 0 0 0 rg BT 220.75 320.75 Td (documented ) Tj ET Q q 0 0 0 rg BT 278.04 320.75 Td (with ) Tj ET Q q 0 0 0 rg BT 298.07 320.75 Td (supporting ) Tj ET Q q 0 0 0 rg BT 347.02 320.75 Td (documentation ) Tj ET Q q 0 0 0 rg BT 414.87 320.75 Td (within ) Tj ET Q q 0 0 0 rg BT 442.68 320.75 Td (the ) Tj ET Q q 0 0 0 rg BT 458.83 320.75 Td (centrally ) Tj ET Q q 0 0 0 rg BT 498.31 320.75 Td (managed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 308.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 115.35 308.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 162.60 308.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 223.75 308.75 Td (\(BCM\) ) Tj ET Q q 0 0 0 rg BT 255.41 308.75 Td (tool.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 286.75 Td (T) Tj ET Q q 0 0 0 rg BT 77.00 286.75 Td (esting ) Tj ET Q q 0 0 0 rg BT 105.38 286.75 Td (must ) Tj ET Q q 0 0 0 rg BT 128.75 286.75 Td (be ) Tj ET Q q 0 0 0 rg BT 141.56 286.75 Td (carried ) Tj ET Q q 0 0 0 rg BT 173.83 286.75 Td (out ) Tj ET Q q 0 0 0 rg BT 189.42 286.75 Td (by ) Tj ET Q q 0 0 0 rg BT 201.68 286.75 Td (all ) Tj ET Q q 0 0 0 rg BT 213.38 286.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 255.65 286.75 Td (Units ) Tj ET Q q 0 0 0 rg BT 280.13 286.75 Td (on ) Tj ET Q q 0 0 0 rg BT 292.95 286.75 Td (at ) Tj ET Q q 0 0 0 rg BT 302.99 286.75 Td (least ) Tj ET Q q 0 0 0 rg BT 325.81 286.75 Td (an ) Tj ET Q q 0 0 0 rg BT 338.63 286.75 Td (annual ) Tj ET Q q 0 0 0 rg BT 370.35 286.75 Td (basis ) Tj ET Q q 0 0 0 rg BT 395.39 286.75 Td (and ) Tj ET Q q 0 0 0 rg BT 413.77 286.75 Td (following ) Tj ET Q q 0 0 0 rg BT 454.38 286.75 Td (significant ) Tj ET Q q 0 0 0 rg BT 500.54 286.75 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 274.75 Td (changes. ) Tj ET Q q 0 0 0 rg BT 114.34 274.75 Td (T) Tj ET Q q 0 0 0 rg BT 119.34 274.75 Td (est ) Tj ET Q q 0 0 0 rg BT 134.55 274.75 Td (results ) Tj ET Q q 0 0 0 rg BT 165.87 274.75 Td (must ) Tj ET Q q 0 0 0 rg BT 189.42 274.75 Td (be ) Tj ET Q q 0 0 0 rg BT 202.41 274.75 Td (maintained ) Tj ET Q q 0 0 0 rg BT 253.20 274.75 Td (in ) Tj ET Q q 0 0 0 rg BT 262.86 274.75 Td (the ) Tj ET Q q 0 0 0 rg BT 278.63 274.75 Td (centrally ) Tj ET Q q 0 0 0 rg BT 317.74 274.75 Td (managed ) Tj ET Q q 0 0 0 rg BT 361.31 274.75 Td (BCM ) Tj ET Q q 0 0 0 rg BT 385.41 274.75 Td (tool ) Tj ET Q q 0 0 0 rg BT 403.40 274.75 Td (with ) Tj ET Q q 0 0 0 rg BT 423.06 274.75 Td (supporting ) Tj ET Q q 0 0 0 rg BT 471.63 274.75 Td (documentation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 262.75 Td (The ) Tj ET Q q 0 0 0 rg BT 92.97 262.75 Td (purpose ) Tj ET Q q 0 0 0 rg BT 132.85 262.75 Td (of ) Tj ET Q q 0 0 0 rg BT 144.93 262.75 Td (testing ) Tj ET Q q 0 0 0 rg BT 178.13 262.75 Td (is ) Tj ET Q q 0 0 0 rg BT 189.09 262.75 Td (to ) Tj ET Q q 0 0 0 rg BT 201.17 262.75 Td (ensure ) Tj ET Q q 0 0 0 rg BT 235.48 262.75 Td (viability ) Tj ET Q q 0 0 0 rg BT 272.01 262.75 Td (of ) Tj ET Q q 0 0 0 rg BT 284.09 262.75 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 343.96 262.75 Td (and ) Tj ET Q q 0 0 0 rg BT 364.39 262.75 Td (strategies ) Tj ET Q q 0 0 0 rg BT 411.48 262.75 Td (documented ) Tj ET Q q 0 0 0 rg BT 470.26 262.75 Td (in ) Tj ET Q q 0 0 0 rg BT 481.78 262.75 Td (the ) Tj ET Q q 0 0 0 rg BT 499.42 262.75 Td (Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 250.75 Td (Impact ) Tj ET Q q 0 0 0 rg BT 104.43 250.75 Td (Analysis, ) Tj ET Q q 0 0 0 rg BT 147.46 250.75 Td (Risk ) Tj ET Q q 0 0 0 rg BT 169.32 250.75 Td (Assessment ) Tj ET Q q 0 0 0 rg BT 226.81 250.75 Td (and ) Tj ET Q q 0 0 0 rg BT 246.51 250.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 290.10 250.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 337.59 250.75 Td (Plans ) Tj ET Q q 0 0 0 rg BT 365.62 250.75 Td (and ) Tj ET Q q 0 0 0 rg BT 385.33 250.75 Td (to ) Tj ET Q q 0 0 0 rg BT 396.68 250.75 Td (promote ) Tj ET Q q 0 0 0 rg BT 436.39 250.75 Td (continual ) Tj ET Q q 0 0 0 rg BT 479.44 250.75 Td (improvement. ) Tj ET Q q 0 0 0 rg BT 542.79 250.75 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 238.75 Td (Disaster ) Tj ET Q q 0 0 0 rg BT 111.45 238.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 156.47 238.75 Td (is ) Tj ET Q q 0 0 0 rg BT 166.47 238.75 Td (the ) Tj ET Q q 0 0 0 rg BT 183.15 238.75 Td (ability ) Tj ET Q q 0 0 0 rg BT 211.49 238.75 Td (to ) Tj ET Q q 0 0 0 rg BT 222.61 238.75 Td (support ) Tj ET Q q 0 0 0 rg BT 258.74 238.75 Td (and ) Tj ET Q q 0 0 0 rg BT 278.21 238.75 Td (resume ) Tj ET Q q 0 0 0 rg BT 314.33 238.75 Td (critical ) Tj ET Q q 0 0 0 rg BT 345.44 238.75 Td (networks, ) Tj ET Q q 0 0 0 rg BT 391.01 238.75 Td (applications ) Tj ET Q q 0 0 0 rg BT 446.60 238.75 Td (and ) Tj ET Q q 0 0 0 rg BT 466.07 238.75 Td (other ) Tj ET Q q 0 0 0 rg BT 491.64 238.75 Td (technology ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 226.75 Td (assets ) Tj ET Q q 0 0 0 rg BT 103.35 226.75 Td (within ) Tj ET Q q 0 0 0 rg BT 131.37 226.75 Td (the ) Tj ET Q q 0 0 0 rg BT 147.72 226.75 Td (stated ) Tj ET Q q 0 0 0 rg BT 177.41 226.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 221.94 226.75 Td (T) Tj ET Q q 0 0 0 rg BT 227.68 226.75 Td (ime ) Tj ET Q q 0 0 0 rg BT 246.24 226.75 Td (Objective ) Tj ET Q q 0 0 0 rg BT 290.37 226.75 Td (and ) Tj ET Q q 0 0 0 rg BT 309.51 226.75 Td (Recovery ) Tj ET Q q 0 0 0 rg BT 354.19 226.75 Td (Point ) Tj ET Q q 0 0 0 rg BT 379.44 226.75 Td (Objective. ) Tj ET Q q 0 0 0 rg BT 426.35 226.75 Td ( ) Tj ET Q q 0 0 0 rg BT 428.80 226.75 Td (DR ) Tj ET Q q 0 0 0 rg BT 445.69 226.75 Td (is ) Tj ET Q q 0 0 0 rg BT 455.37 226.75 Td (a ) Tj ET Q q 0 0 0 rg BT 463.38 226.75 Td (component ) Tj ET Q q 0 0 0 rg BT 515.31 226.75 Td (of ) Tj ET Q q 0 0 0 rg BT 526.10 226.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 214.75 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 119.88 214.75 Td (Business ) Tj ET Q q 0 0 0 rg BT 162.76 214.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 209.53 214.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 270.20 214.75 Td (Program. ) Tj ET Q q 0 0 0 rg BT 313.62 214.75 Td ( ) Tj ET Q q 0 0 0 rg BT 315.93 214.75 Td (DR ) Tj ET Q q 0 0 0 rg BT 332.67 214.75 Td (is ) Tj ET Q q 0 0 0 rg BT 342.20 214.75 Td (a ) Tj ET Q q 0 0 0 rg BT 350.06 214.75 Td (process ) Tj ET Q q 0 0 0 rg BT 387.38 214.75 Td (complimentary ) Tj ET Q q 0 0 0 rg BT 454.70 214.75 Td (to ) Tj ET Q q 0 0 0 rg BT 465.34 214.75 Td (the ) Tj ET Q q 0 0 0 rg BT 481.54 214.75 Td (business ) Tj ET Q q 0 0 0 rg BT 523.31 214.75 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 202.75 Td (facilities ) Tj ET Q q 0 0 0 rg BT 110.34 202.75 Td (recovery ) Tj ET Q q 0 0 0 rg BT 151.47 202.75 Td (plan.) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 180.75 Td (A) Tj ET Q q 0 0 0 rg BT 78.12 180.75 Td ( ) Tj ET Q q 0 0 0 rg BT 81.10 180.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 106.85 180.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 129.28 180.75 Td (BCM ) Tj ET Q q 0 0 0 rg BT 154.48 180.75 Td (Governance ) Tj ET Q q 0 0 0 rg BT 211.94 180.75 Td (Committee ) Tj ET Q q 0 0 0 rg BT 263.26 180.75 Td (provides ) Tj ET Q q 0 0 0 rg BT 304.04 180.75 Td (oversight ) Tj ET Q q 0 0 0 rg BT 347.59 180.75 Td (and ) Tj ET Q q 0 0 0 rg BT 367.26 180.75 Td (strategic ) Tj ET Q q 0 0 0 rg BT 408.03 180.75 Td (direction ) Tj ET Q q 0 0 0 rg BT 448.81 180.75 Td (to ) Tj ET Q q 0 0 0 rg BT 460.13 180.75 Td (the ) Tj ET Q q 0 0 0 rg BT 477.01 180.75 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 499.43 180.75 Td (Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 168.75 Td (Continuity ) Tj ET Q q 0 0 0 rg BT 119.25 168.75 Td (Management ) Tj ET Q q 0 0 0 rg BT 180.39 168.75 Td (Program.) 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Tj ET Q endstream endobj 61 0 obj <> endobj 62 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.50 750.50 Td ( ) Tj ET Q BT /F3 8.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0.08627450980392157 0.41568627450980394 0.6901960784313725 rg BT 217.75 740.90 Td (165d and IDI Resolution Plan - Public Sections) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 0 rg BT 69.80 60.25 Td ( p30 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 712.75 Td (Selling ) Tj ET Q q 0 0 0 rg BT 105.04 712.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 130.84 712.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 160.53 712.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 186.34 712.75 Td (as ) Tj ET Q q 0 0 0 rg BT 199.92 712.75 Td (a ) Tj ET Q q 0 0 0 rg BT 208.50 712.75 Td (whole ) Tj ET Q q 0 0 0 rg BT 237.65 712.75 Td (should ) Tj ET Q q 0 0 0 rg BT 270.14 712.75 Td (preserve ) Tj ET Q q 0 0 0 rg BT 312.07 712.75 Td (franchise ) Tj ET Q q 0 0 0 rg BT 355.67 712.75 Td (value ) Tj ET Q q 0 0 0 rg BT 382.59 712.75 Td (and 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/F4 10.00 Tf ET q 0 0 0 rg BT 520.55 700.75 Td (e.g.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.23 700.75 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 688.75 Td (continuing ) Tj ET Q q 0 0 0 rg BT 121.26 688.75 Td (to ) Tj ET Q q 0 0 0 rg BT 133.26 688.75 Td (accept ) Tj ET Q q 0 0 0 rg BT 166.39 688.75 Td (deposits ) Tj ET Q q 0 0 0 rg BT 207.31 688.75 Td (and ) Tj ET Q q 0 0 0 rg BT 227.66 688.75 Td (make ) Tj ET Q q 0 0 0 rg BT 255.78 688.75 Td (loans ) Tj ET Q q 0 0 0 rg BT 283.35 688.75 Td (to ) Tj ET Q q 0 0 0 rg BT 295.36 688.75 Td (its ) Tj ET Q q 0 0 0 rg BT 309.03 688.75 Td (regular ) Tj ET Q q 0 0 0 rg BT 343.82 688.75 Td (customers. ) Tj ET Q q 0 0 0 rg BT 396.39 688.75 Td (During ) Tj ET Q q 0 0 0 rg BT 429.51 688.75 Td (a ) Tj ET Q q 0 0 0 rg BT 438.74 688.75 Td (transition ) Tj ET Q q 0 0 0 rg BT 482.99 688.75 Td (period, ) Tj ET Q q 0 0 0 rg BT 517.23 688.75 Td (BMO ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 676.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 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264.63 664.75 Td (their ) Tj ET Q q 0 0 0 rg BT 287.38 664.75 Td (value. ) Tj ET Q q 0 0 0 rg BT 317.36 664.75 Td (In ) Tj ET Q q 0 0 0 rg BT 328.99 664.75 Td (addition, ) Tj ET Q q 0 0 0 rg BT 370.09 664.75 Td (BMO ) Tj ET Q q 0 0 0 rg BT 396.16 664.75 Td (Harris ) Tj ET Q q 0 0 0 rg BT 426.12 664.75 Td (Bank ) Tj ET Q q 0 0 0 rg BT 452.21 664.75 Td (management ) Tj ET Q q 0 0 0 rg BT 513.87 664.75 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 652.75 Td (strive ) Tj ET Q q 0 0 0 rg BT 97.95 652.75 Td (to ) Tj ET Q q 0 0 0 rg BT 108.36 652.75 Td (retain ) Tj ET Q q 0 0 0 rg BT 135.43 652.75 Td (key ) Tj ET Q q 0 0 0 rg BT 153.06 652.75 Td (employees, ) Tj ET Q q 0 0 0 rg BT 206.26 652.75 Td (although ) Tj ET Q q 0 0 0 rg BT 246.69 652.75 Td (employee ) Tj ET Q q 0 0 0 rg BT 292.11 652.75 Td (retention ) Tj ET Q q 0 0 0 rg BT 333.09 652.75 Td (in ) Tj ET Q q 0 0 0 rg BT 342.93 652.75 Td (an ) Tj ET Q q 0 0 0 rg BT 356.12 652.75 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 399.32 652.75 Td (resolution ) Tj ET Q q 0 0 0 rg BT 444.74 652.75 Td (environment ) Tj ET Q q 0 0 0 rg BT 501.83 652.75 Td (will ) Tj ET Q q 0 0 0 rg BT 517.78 652.75 Td (likely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 640.75 Td (present ) Tj ET Q q 0 0 0 rg BT 108.13 640.75 Td (a ) Tj ET Q q 0 0 0 rg BT 116.47 640.75 Td (challenge.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 618.75 Td (While ) Tj ET Q q 0 0 0 rg BT 99.88 618.75 Td (BMO's ) Tj ET Q q 0 0 0 rg BT 132.44 618.75 Td (analysis ) Tj ET Q q 0 0 0 rg BT 171.44 618.75 Td (shows ) Tj ET Q q 0 0 0 rg BT 202.65 618.75 Td (that ) Tj ET Q q 0 0 0 rg BT 222.21 618.75 Td (a ) Tj ET Q q 0 0 0 rg BT 230.64 618.75 Td (whole ) Tj ET Q q 0 0 0 rg BT 259.64 618.75 Td (bank ) Tj ET Q q 0 0 0 rg BT 284.20 618.75 Td (purchase ) Tj ET Q q 0 0 0 rg BT 328.21 618.75 Td (and ) Tj ET Q q 0 0 0 rg BT 347.76 618.75 Td (assumption ) Tj ET Q q 0 0 0 rg BT 401.77 618.75 Td (\(P&A\) ) Tj ET Q q 0 0 0 rg BT 431.31 618.75 Td (transaction ) Tj ET Q q 0 0 0 rg BT 483.10 618.75 Td (would ) Tj ET Q q 0 0 0 rg BT 512.10 618.75 Td (be ) Tj ET Q q 0 0 0 rg BT 526.10 618.75 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 606.75 Td (least ) Tj ET Q q 0 0 0 rg BT 96.53 606.75 Td (costly ) Tj ET Q q 0 0 0 rg BT 125.50 606.75 Td (to ) Tj ET Q q 0 0 0 rg BT 137.25 606.75 Td (the ) Tj ET Q q 0 0 0 rg BT 154.56 606.75 Td (౦Ϸ, ) Tj ET Q q 0 0 0 rg BT 184.07 606.75 Td (we ) Tj ET Q q 0 0 0 rg BT 200.26 606.75 Td (have ) Tj ET Q q 0 0 0 rg BT 225.36 606.75 Td (presented ) Tj ET Q q 0 0 0 rg BT 273.24 606.75 Td (other ) Tj ET Q q 0 0 0 rg BT 299.44 606.75 Td (options ) Tj ET Q q 0 0 0 rg BT 335.10 606.75 Td (to ) Tj ET Q q 0 0 0 rg BT 346.84 606.75 Td (the ) Tj ET Q q 0 0 0 rg BT 364.15 606.75 Td (Federal ) Tj ET Q q 0 0 0 rg BT 401.47 606.75 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 442.11 606.75 Td (and ) Tj ET Q q 0 0 0 rg BT 462.20 606.75 Td (the ) Tj ET Q q 0 0 0 rg BT 479.51 606.75 Td (౦Ϸ. ) Tj ET Q q 0 0 0 rg BT 509.03 606.75 Td ( ) Tj ET Q q 0 0 0 rg BT 512.21 606.75 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 594.75 Td (options ) Tj ET Q q 0 0 0 rg BT 106.41 594.75 Td (include ) Tj ET Q q 0 0 0 rg BT 140.25 594.75 Td (selling ) Tj ET Q q 0 0 0 rg BT 170.76 594.75 Td (various ) Tj ET Q q 0 0 0 rg BT 205.16 594.75 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 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Q q 0 0 0 rg BT 278.48 582.75 Td (Of) Tj ET Q q 0 0 0 rg BT 288.86 582.75 Td (fering ) Tj ET Q q 0 0 0 rg BT 315.88 582.75 Td (or ) Tj ET Q q 0 0 0 rg BT 326.77 582.75 Td (a ) Tj ET Q q 0 0 0 rg BT 334.33 582.75 Td (P&A) Tj ET Q q 0 0 0 rg BT 353.79 582.75 Td ( ) Tj ET Q q 0 0 0 rg BT 355.80 582.75 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 409.09 582.75 Td (Additionally) Tj ET Q q 0 0 0 rg BT 459.49 582.75 Td (, ) Tj ET Q q 0 0 0 rg BT 464.28 582.75 Td (we ) Tj ET Q q 0 0 0 rg BT 479.06 582.75 Td (have ) Tj ET Q q 0 0 0 rg BT 502.75 582.75 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 570.75 Td (an ) Tj ET Q q 0 0 0 rg BT 85.90 570.75 Td (analysis ) Tj ET Q q 0 0 0 rg BT 124.81 570.75 Td (in ) Tj ET Q q 0 0 0 rg BT 135.37 570.75 Td (which ) Tj ET Q q 0 0 0 rg BT 163.71 570.75 Td (BHB ) Tj ET Q q 0 0 0 rg BT 187.05 570.75 Td (is ) Tj ET Q q 0 0 0 rg BT 197.05 570.75 Td (not ) Tj ET Q q 0 0 0 rg BT 213.73 570.75 Td (sold, ) Tj ET Q q 0 0 0 rg BT 237.63 570.75 Td (but ) Tj 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