Bank of Montreal (BMO Financial Group), is a financial services provider based in North America. It provides a range of retail banking, wealth management and investment banking products and services. The Company conducts business through three operating groups: Personal and Commercial Banking, Wealth Management and BMO Capital Markets. The Personal and Commercial Banking (P&C) operating group represents the sum of its two retail and business banking operating segments, Canadian Personal and Commercial Banking (Canadian P&C) and United States Personal and Commercial Banking (U.S. P&C). It serves customers through its wealth management businesses: BMO Nesbitt Burns, BMO InvestorLine, BMO Private Banking, BMO Global Asset Management and BMO Insurance. BMO Capital Markets, its investment and corporate banking and trading products division, provides financial products and services to North American and international clients.