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Mutual fund feesThe Funds may invest in bank instruments that have been issued by banks and savings and loans that have capital, surplus, and undivided profits of over $ BMO Mutual Funds are managed by BMO Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal. Jones Heward Investment Counsel Inc., wholly-owned subsidiary of BMO Harris Investment Management Inc., is the portfolio advisor to certain of the mutual funds.