It is at ten o’clock precisely, on the morning of Monday November 3rd, 1817 that the Bank of Montreal opened its doors for the first time. Since then, it has not stopped serving its clients. After humble beginnings—with a single branch set up in a rented house at 32 St-Paul Street—it now serves our banking and investment clients as well as its institutional clients from one end to the other in North America and worldwide. To meet its growing needs, it had to construct a new building in 1845, at 119 St-Jacques Street, that it still occupies today. Nine merchants were part of the founding group. Today its workforce has reached 47 000 talented and dedicated employees to serve over 12 million customers. And, while the initial capital base was 250 000 pounds sterling, its total assets now amount to $633 billion (April 30th, 2015). Building on the momentum that began nearly 200 years ago, BMO continues to grow and seize every new opportunity to offer the products, services and expertise that their clients need to meet and exceed their financial goals. BMO provides a broad range of products and services in the areas of retail banking, wealth management and investment banking through three operating groups: Personal and Commercial banking services, Wealth Management and BMO Capital Markets. The BMO circuit is exciting. It is with pride that BMO celebrate its past and draw from this rich tradition of excellence.