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# TO OUR FELLOW SHAREHO LDERS 

# 185TH ANNUAL REPORT 2002 

Trust is the essence of our business. We earn  trust by delivering strong returns for our shareholders. We earn trust by providing our cus tomers with excellent service and financial solutions tailored to meet their individual needs. We earn trust, too, by treating our employees and communities responsibly and with respec t and dignity. As importantly, we inspire trust by conducting our business according to th e principles of honesty, transparency and accountability. In practice, this means doing as w e say we will, listening – and responding – to criticism and, always, behaving ethically and f airly. At BMO Financial Group, trust is the foundation of our success – and our promise fo r the future. 

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## YOUR BMO FINANCIAL GR OUP MANAGEMENT TEAM 

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