Bank of Montreal (the Bank) offers a broad range of credit and non-credit products and services directly and through special-purpose Canadian and non-Canadian subsidiaries, offices and branches. The Bank comprises three operating groups. Personal and Commercial Client Group (PG&C) is responsible for providing financial services to personal and commercial customers in Canada and the United States. Private Client Group is responsible for providing wealth management services to individuals, including the services of BMO Nesbitt Burns, BMO Investorline, Harris Investorline and Harris Private Bank. Investment Banking Group is responsible for relationship management for large corporate, institutional and government customers, the delivery of treasury products and corporate and investment banking in Canada and the United States. Risk management, technology and other corporate services are provided to the operating groups by Corporate Support, and e-business services are provided by Emfisys.