No one deserves more credit than today's small office home office owner. You work in one of the most challenging and fast-paced environments. Whether you're operating from your basement, garage or small office, it represents the spirit and aspirations of a hard-working entrepreneur.

Self-employed have traditionally faced greater scrutiny in qualifying for mortgage financing. That's why we created a flexible Self-employed Homeowner Mortgage* that offers a streamlined approval process based on personal credit history.

At BMO Bank of Montreal you have our complete recognition, consideration and respect. As a result, we have developed several unique financial and business products and services that offer you value, service and convenience:

• Instabanking® Plan for Small Business
• Convenient access to information
• Everyday Banking for Business Plans
• Self-employed Homeowner Mortgage
• Credit and debit card payment acceptance via a touch-tone phone

*Subject to meeting Bank of Montreal's lending policies and credit criteria.