Securities and Exchange Commission, Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No. )* ____________________________________________________________________ (Name of Issuer) Retail Oportunity Invts Cop ____________________________________________________________________ (Title of Class of Securities) COM ____________________________________________________________________ (CUSIP Number) 76131N101 ____________________________________________________________________ (Date of Event Which Requires Filing of this Statement) Year-end Reporting Check the appropriate box to designate the rule pursuant to which this Schedule is filed: [x] Rule 13d-1(b) [ ] Rule 13d-1(c) [ ] Rule 13d-1(d) *The remainder of this cover page shall be filled out for a reporting person's initial filing on this form with respect to the subject class of securities, and for any subsequent amendment containing information which would alter the disclosures provided in a prior cover page. The information required in the remainder of this cover page shall not be deemed to be ``filed'' for the purpose of Section 18 of the Securities Exchange Act of 1934 (``Act'') or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes). CUSIP No. 76131N101 (1) Names of reporting persons...BMO Financial Corp I.R.S. Identification Nos. of above persons (entities only) 51-0275712 -------------------------------------------------------------------- (2) Check the appropriate box if a member of a group (a) (b) x (3) SEC use only................................................... -------------------------------------------------------------------- (4) Citizenship or place of organization............................ A Delaware Corporation -------------------------------------------------------------------- Number of shares beneficially owned by each reporting person with: (5) Sole voting power...13,184............................ (6) Shared voting power....12,863............................... (7) Sole dispositive power......13,184....................... (8) Shared dispositive power....13,005.......................... -------------------------------------------------------------------- (9) Aggregate amount beneficially owned by each reporting person 3,799,165 -------------------------------------------------------------------- * Beneficial ownership of 12,863 shares is specifically disclaimed. See item 4. (10) Check if the aggregate amount in Row (9) excludes certain shares (see instructions).................................................. -------------------------------------------------------------------- (11) Percent of class represented by amount in Row (9)...7.179%....... --------------------------------------------------------------------- (12) Type of reporting person (see instructions)....HC............. -------------------------------------------------------------------- Page--of--Pages----------------------------------------------------- Item 1(a) Name of issuer: Retail Opportunity Invts Cor Item 1(b) Address of issuer's principal executive offices: 81 main Street Suite 503 White Plains, NY 10601 2(a) Name of person filing: BMO Financial Corp _____________________________________________________________________ 2(b) Address or principal business office or, if none, residence: 111 W. Monroe Street P. O. Box 755 Chicago, IL 60690 _____________________________________________________________________ 2(c) Citizenship: A Delaware Corporation _____________________________________________________________________ 2(d) Title of class of securities: COM _____________________________________________________________________ 2(e) CUSIP No.: 76131N101 _____________________________________________________________________ Item 3. If this statement is filed pursuant to Secs. 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a: (a) [ ] Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o). (b) [X] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c). (c) [ ] Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c). (d) [ ] Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C 80a-8). (e) [ ] An investment adviser in accordance with Sec. 240.13d- 1(b)(1)(ii)(E); (f) [ ] An employee benefit plan or endowment fund in accordance with Sec. 240.13d-1(b)(1)(ii)(F); (g) [X] A parent holding company or control person in accordance with Sec. 240.13d-1(b)(1)(ii)(G); (h) [ ] A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813); (i) [ ] A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3); (j) [ ] Group, in accordance with Sec. 240.13d-1(b)(1)(ii)(J). Item 4. Ownership 1. (a) Amount beneficially owned: 3,799,165 (b) Percent of class: 7.179% (c) Number of shares as to which the person has: (i) Sole power to vote or to direct the vote 13,184 (ii) Shared power to vote or to direct the vote 12,863 (iii) Sole power to dispose or to direct the disposition of 13,184 (iv) Shared power to dispose or to direct the disposition of 13,005 Item 5. Ownership of 5 Percent or Less of a Class. If this statement is being filed to report the fact that as of the date hereof the reporting person has ceased to be the beneficial owner of more than 5 percent of the class of securities, check the following [ ]. See Exhibit 2 Item 6. Ownership of More than 5 Percent on Behalf of Another Person. Item 7. Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person. BMO FINANCIAL CORP 111 WEST MONROE STREET P O BOX 755 FLOOR 2W CHICAGO, ILL 60690 BMO HARRIS BANK NA 111 West Monroe Street Floor 6E Chicago , IL 60690 BMO ASSET MANAGEMENT CORP 190 South La Salle Street P. O. Box 755 Chicago , IL 60603 STOKER OSTLER 4900 NORTH SCOTTSDALE ROAD SUITE 2600 SCOTTSDALE, AZ 85251 BMO NESBITT BURNS INC IBG Finance Dept FCP - 7th Floor Toronto , ON M5X 1H3 CANADA BMO HARRIS INVESTMENT MANAGEMENT INC 1 First Canadian Place P.O. Box 150 9th Floor Toronto , ON M5X 1H3 CANADA BMO ASSET MANAGEMENT, INC Royal Trust Tower 77 King Street West Suite 4200 Toronto , ON M5K 1J5 CANADA SULLIVAN. BRUYETTE. SPEROS. BLANEY 8444 WESTPARK DRIVE Suite 610 McLean , VA 22102 BMO HARRIS FINANCIAL ADVISORS, INC. 311 W. Monroe 14th Floor Chicago , IL 60603 BMO FINANCIAL PRODUCTS CORP 3 Times Square 28th Floor New York , NY 10036 BMO INVESTOR LINE INC Attn: BMO INVESTOR LINE Transit #3973 FIRST CANADIAN PLACE 100 KING STREET FLOOR B1 Toronto , ON M5X 1H3 CANADA Harris MyCFO Suite 100 Menlo Park Site Menlo Park, Ca 94025 Pyrford International 79 Grosvenor Street London, W1K 3JU BANK OF MONTREAL IRELAND PLC 2 Harbourmaster Place 6th Floor Dublin, IE 1 1E BMO Delaware Trust Company 20 Montchanin Road Suite 240 Greenville, DE 19807 AMERICAN INTERNATIONAL GROUP 60 YONGE ST. BMO LIFE BUILDING TORONTO , ON M5E 1H5 CANADA BMO CAPITAL MARKETS CORP (NY) 3 Times Square 28th Floor New York , NY 10036 LLOYD GEORGE MANAGEMENT SUITE 3808 ONE EXCHANGE SQUARE CENTRAL HONG KONG , HK CHINA MARSHALL & ILSLEY TRUST COMPANY N A 111 E. KILBOURN AVE MILWAUKEE , WI 53202 NORTH STAR TRUST COMPANY 500 WEST MADISON STREET CHICAGO, ILL. 60661-4580 TAPLIN CANIDA & HABACHT LLC 1001 BRICKELL BAY DRIVE SUITE 2100 MIAMI, FLA 33131-4940 And filing on behalf of its parent: Bank of Montreal 1 First Canadian Place Toronto, Ontario Canada MX5 1A1 Item 8. Identification and Classification of Members of the Group See Exhibit 2 Item 9. Notice of Dissolution of Group. Not Applicable Item 10. Certification By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect. After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct. Dated: January 31, 2013 BMO FINANCIAL CORP. BY: (Terry Jenkins) Terry Jenkins SVP & Head of Private Bank US Schedule 13G Exhibit 1 Pursuant to Rule 13d-1(k)(1)(iii) Bank of Montreal, BMO Financial Corp, BMO Harris Bank NA, BMO Asset Management Corp. Stoker Ostler, BMO Nesbitt Burns Inc, BMO Harris Investment Management Inc, BMO Asset Management, Inc., Sullivan Bruyette, Speros, Blaney, BMO Harris Financial Advisors, Inc., BMO Financial Products Corp, BMO Investorline Inc, Harris MyCFO, Pyrford International Bank of Montreal Ireland PLC, BMO Delaware Trust Company, American International Group, BMO Capital Markets Corp (NY), Lloyd George Management, Marshall & Ilsley Trust Company, NA, North Star Trust Company, Taplin Canida & Habacht LLC agree to this filing of Schedule 13G by BMO Financial Corp. This exhibit is submitted as proof of their agreement and authorization for BMO Financial Corp. to file on their behalf. Dated: January 31 2013 BMO Financial Corp By: (Terry Jenkins) Terry Jenkins SVP & Head of Private Bank US BMO Harris Bank NA By: (Terry Jenkins) Terry Jenkins SVP & Head of Private Bank US BMO Asset Management Corp. By: (Barry McInerney) Barry McInerney President & CEO Stoker Ostler By: (Creg D Ostler) Creg D Ostler Managing Director BMO Nesbitt Burns Inc By: (Robert Allair) Robert Allair Vice President & Managing Director BMO Harris Investment Management Inc By: (Michael Omran) Michael Omran Manager, Compliance & Risk Mgmt BMO Asset Management, Inc. By: (Dirk McRobb) Dirk McRobb SVP, Chief Administrative Officer, Chief Compliance Officer Sullivan Bruyette, Speros, Blaney By: (Greg Sullivan) Greg Sullivan Managing Director BMO Harris Financial Advisors, Inc. By: (Michael Miroballi) Michael Miroballi President & COO, HIS BMO Financial Products Corp By: (Ivan Gerstein) Ivan Gerstein VP - IBG Finance BMO Investorline Inc By: (Dirk McRobb) Dirk McRobb SVP, Chief Administrative Officer Harris MyCFO By: (Jo Ann Pantelis) Jo Ann Pantelis Manager - Compliance Pyrford International By: (Victor Williams) Victor Williams Chief Compliance Officer & MLRO Bank of Montreal Ireland PLC By: (Jo Ann Pantelis) Jo Ann Pantelis Manager, Compliance BMO Delaware Trust Company By: (Terry jenkins) Terry Jenkins SVP & Head of Private Bank US American International Group By: (Dirk McRobb) Dirk McRobb SVP, Chief Administrative Officer BMO Capital Markets Corp (NY) By: (Ivan Gerstein) Ivan Gerstein VP - IBG Finance Lloyd George Management By: (Ellie Wong) Ellie Wong Controls & Compliance Officer Marshall & Ilsley Trust Company, NA By: (M Gayle Robinson) M Gayle Robinson SVP North Star Trust Company By: (M Gayle Robinson) M Gayle Robinson SVP Taplin Canida & Habacht LLC By: (Tere Alvarez Canida) Tere Alvarez Canida President Schedule 13G Exhibit 2 This Schedule is being filed by BMO Financial Corporation, its parent company, Bank of Montreal.