b'(June 22, 2021 / 08:31:32)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nBMO Harris Bank\xc2\xae\nConsumer Rewards Mastercard\xc2\xae\n\nCredit Cards\n\nBMO Harris\nRewards\nProgram Rules\nSM\n\n\x0c(June 22, 2021 / 08:31:32)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nBMO Harris Rewards\nProgram Rules\n\nSM\n\nBMO Harris Bank Platinum Rewards Mastercard\xc2\xae\nBMO Harris Bank Premium Rewards Mastercard\xc2\xae\nBMO Harris Premier Services Premium Rewards\nMastercard\xc2\xae\nBMO Wealth Management Premium Rewards\nMastercard\xc2\xae\n\nThese Rules govern Cardholders\xe2\x80\x99 participation in\nthe BMO Harris Rewards Program (\xe2\x80\x9cProgram\xe2\x80\x9d).\nThis Program allows Cardholders to earn points\nthat may be redeemed for various Rewards.\nCONTENTS\nGeneral\nEarning points\nRedeeming points\nRewards\nStatement credits\n\n\xe2\x80\x9cCardholder\xe2\x80\x9d means the accountholder of an eligible\ncredit card (\xe2\x80\x9cAccount\xe2\x80\x9d) issued by BMO Harris Bank N.A.\n(\xe2\x80\x9cBank\xe2\x80\x9d) except that for Accounts with more than one\nborrower, \xe2\x80\x9cCardholder\xe2\x80\x9d means the Primary Cardholder\nand Co-Borrower, where applicable. \xe2\x80\x9cCardholder\xe2\x80\x9d does\nnot include Authorizer User(s). For purposes of these\nRules, we may refer to the Bank as \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d\nand the Cardholder as \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour.\xe2\x80\x9d Eligible cards\ninclude a BMO Harris Bank Platinum Rewards Mastercard,\na BMO Harris Bank Premium Rewards Mastercard, a BMO\nHarris Premier Services Premium Rewards Mastercard,\nor a BMO Wealth Management Premium Rewards\nMastercard (each a \xe2\x80\x9cRewards Card\xe2\x80\x9d) issued for personal\nand not business use. Points earned under the Program\nwill be credited to the Account of the Cardholder. Only\nthe Cardholder is permitted to authorize redemptions\n1\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:32)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nunder the Program. By using or accepting an Account,\nyou agree to these Rules and any changes, additions\nor deletions to them. Go to bmoharris.com/pdf/credit/\nrewardsconsumerpoints.pdf to view the most recent\nversion of the Rules.\nWe issue and administer all Accounts. We manage the\nProgram while third party service providers (\xe2\x80\x9cThird Party\nService Providers\xe2\x80\x9d) administer the Program. Fulfillment\nof all rewards is handled by Third Party Service Providers.\nThese Rules and Account transactions are also subject\nto other agreements you may have with us, including\nyour Cardholder Agreement and other agreements\ngoverning the Account(s) referenced in the Cardholder\nDocuments (\xe2\x80\x9cGoverning Agreements\xe2\x80\x9d). As a reminder,\nyour Cardholder Agreement contains a provision that\naddresses arbitration of any disputes regarding your\naccount, including your participation in this Program.\nAlso, your Governing Agreements control if anything\nin these Rules are inconsistent with the terms of the\nGoverning Agreements.\nThe following are the general terms and conditions of\nthe Program and are subject to change by the Bank at\nany time without notice. See the current reward offers at\nbmoharrisrewards.com for specific terms and conditions\napplicable to each reward.\nGeneral\n1. We offer the Program at our sole discretion. We\nreserve the right to change these Rules and\nrewards and any fees associated with the Program\nat any time, for any reason and without notice, or\nmay modify, suspend or end the Program, cancel\noutstanding points or change the redemption value\nof points or availability of rewards. We may reverse\nany points awarded to you in error, regardless of\ncause, and such a reversal may cause you to have\nnegative points. If your Account is closed with\na negative points balance, we may charge your\nAccount for the value of those points. We assume\nno liability for any such changes.\nBMO Harris RewardsSM Program Rules\n\n2\n\n\x0c(June 22, 2021 / 08:31:32)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n2. We reserve the right to cancel your participation\nin the Program, close your Account and cause you\nto forfeit your points without notice in the event\nof fraud or abuse of the Program or Account, your\nviolation of the Rules, or patterns suggesting\nimproper use of the Program.\nFor the purpose of clarification, transactions that we\ndetermine in our own discretion are made for the\npurpose of abusing the Program are not eligible to\nearn points and we may reverse any points that were\naccrued as a result of fraud or abuse of the Program.\nFor further clarification, abuse of the Program\nincludes attempting to earn points not allowed under\nthe Program or by making charges that are outside\nthe scope of usual or customary credit card usage.\n3. We reserve the right to suspend your participation\nin the Program, which may include the accrual of\nadditional points and the redemption of points for a\nreward, if your Account is not in good standing. Good\nstanding means that your Account is not canceled,\npast due or otherwise in default under the terms of\nany agreements you have with us, including these\nterms and conditions. Upon bringing your Account\ninto good standing, your participation in the Program\nwill be reinstituted, but points previously forfeited or\neliminated will not be reinstated.\n4. You authorize us (which includes, for the purposes\nof this paragraph, our agents and representatives)\nto contact you using automatic telephone dialing\nsystems, artificial or prerecorded voice message\nsystems, email and text messaging systems in\norder to provide you with information regarding the\nProgram and your Account, including information\nabout missed payments, the suspected misuse of\nyour Card, services or rewards received through the\nProgram, or general servicing items. You authorize us\nto make such contacts using any telephone numbers\n(including wireless, landline and Voice over Internet\nProtocol numbers) you have supplied or will supply\nto us in connection with the Program or your Account\nor any other account you may have or will establish\n3\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:32)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nwith us. You understand that anyone with access to\nyour telephone may listen to or read the messages\nwe leave or send you, and you agree that we will\nhave no liability for anyone accessing such messages.\nYou further understand that, when you receive a\ntelephone call or text message, you may incur a\ncharge from the company that provides you with\ntelecommunications, wireless and/or data services,\nand you agree that we will have no liability for such\ncharges. You expressly authorize us to monitor and\nrecord your calls with us. You agree that you are the\nowner and/or primary user of any telephone number\nor email address you provide to us and that you\nwill notify us if this is no longer true as to any such\ntelephone number or email address.\n5. You are responsible for any tax liability related to\nparticipation in the Program or as a result of points\nearned or redeemed.\n6. You may be responsible for payment of any departure\ntaxes, customs fees, checked baggage fees, excess\nbaggage charges, security taxes, passenger facility\ncharges, air segment taxes or any other charges\nassessed by governmental entities or carriers as a\nresult of travel redeemed from this Program, as well\nas any shipping, courier, fulfillment or certificate fees\nassociated with rewards under the Program.\n7. The Program is void where prohibited by law. We\nare not responsible for administering the Program\nor providing services under the Program.\n8. We are not responsible for errors or omissions in\nany Program document. We are not liable to you or\nany recipient of services or rewards arising from,\nor related to, the services or rewards issued under\nthe Program. Please consult directly with thirdparty booking, reservations and loyalty programs\nregarding your participation in those programs when\nyou use your BMO Harris Rewards points. We are\nnot responsible for the non-accrual of credit, award\npoints, or other benefits concerning non-BMO Harris\nRewards programs.\nBMO Harris RewardsSM Program Rules\n\n4\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n9. You and any recipient of services or rewards received\nthrough the Program hold us, our affiliates, and Third\nParty Service Providers harmless in connection with\nany injuries and damages of every kind and nature\narising in connection with or as a result of claiming\nand redeeming points and with your receipt of and\nuse of an reward. You waive and release any and all\nrights, demands, losses, liabilities, claims and causes\nof action whatsoever that you may now or hereafter\nbe entitled to assert, including, but not limited to,\nany death, injury, loss of enjoyment or other harm or\nloss of any nature whatsoever caused by, contributed\nto, or arising out of your participation in the Program.\nYou further agree to hold us, our affiliates and Third\nParty Service Providers harmless if a reward vendor\nor provider files bankruptcy, or otherwise goes out of\nbusiness, after you have redeemed your points for a\nreward from the vendor or provider but before you\nare able to receive or use the reward.\n10. Neither us, our affiliates nor Third Party Service\nProviders are responsible for any other party\xe2\x80\x99s\nperformance in connection with delivering services\nto you under the Program. Each service provider may\nhave its own terms and conditions for the services\nyou request.\n11. Capitalized terms used and not defined herein have\nthe definitions provided in Governing Agreements.\n\nSummary of Bonus and Earn Rates\nProduct Name*\n\nBase Earn\nRate\n\nBMO Harris Bank Platinum\nRewards MasterCard\n\n1 point per $1\n\nBMO Harris Bank Premium\nRewards MasterCard\n\n1 point per $1\n\nBMO Harris Premier Services\nPremium Rewards MasterCard\n\n1 point per $1\n\nBMO Wealth Management\nPremium Rewards MasterCard\n\n1 point per $1\n\n*Products that are eligible for Product Change may have special rules related to earn rates\nand some bonuses may not apply. See Earning Points, Section 11 for more information.\n\n5\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n12. We reserve the right to interpret Rules and Program\npolicies and will be the final authority on point\ncredits and award qualifications.\nEarning Points\n1. Base Earn: You will earn one (1) base point for every\none United States dollar ($1.00) in eligible purchases\nrounded to the nearest whole dollar (i.e., a $5.49\npurchase would round down to $5.00 while a $5.50\npurchase would round up to $6.00 prior to being\nscored) made on an eligible card. There is no cap on\nthe amount of base points that can be earned.\n2. Bonus Earn:\n\xe2\x80\xa2 Category Bonus Earn:\ni.\t\x07We may offer you opportunities to earn\nbonus points on certain categories of eligible\npurchases, such as gas and grocery purchases.\nThe networks that process your transactions\nprovide transaction category codes, and in turn,\nmerchants determine which codes to use when\nyou make a purchase from them.\n\x07 owever, merchants may not use codes\nH\nthat identify certain transactions as eligible\npurchases. Further, not every purchase you make\nat certain merchants will qualify as an eligible\npurchase. For example, a purchase made other\nthan fuel at a gas station may not be an\n\nBonus Earn\nCategories\n\nBonus Earn\nRates\n\nOverall Earn\non Bonus\nCategories\n\nAnniversary\nBonus\n\nGas & Grocery\n\n1 point per $1\n\n2 points per $1\n\n10%\n\nDining, Airfare,\nand Hotel\n\n2 points per $1\n\n3 points per $1\n\n15%\n\nDining, Airfare,\nand Hotel\n\n2 points per $1\n\n3 points per $1\n\n15%\n\nDining, Airfare,\nand Hotel\n\n2 points per $1\n\n3 points per $1\n\n20%\n\nBMO Harris RewardsSM Program Rules\n\n6\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n\x07 ligible purchase. Because BMO Harris does not\ne\ncontrol the categories merchants use to identify\ntransactions, BMO Harris cannot guarantee that\neach eligible purchase will accrue bonus points.\nii.\x07\t\x07BMO Harris Bank Platinum Rewards Mastercard:\nYou will earn an additional one (1) bonus point\nfor every one United States dollar ($1.00) in\neligible gas and/or grocery purchases (bonus earn\ncategory eligible gas and grocery purchases),\nrounded to the nearest whole dollar. Bonus earn\nis only available on the first $2,500 of net eligible\ngas and/or grocery purchases within a calendar\nquarter. After the $2,500 cap is met within a\ncalendar quarter, you will earn at the base rate in\nthose categories until the next calendar quarter\nbegins and the cap is reset.\niii.\x07\t\x07BMO Harris Bank Premium Rewards Mastercard\nand BMO Harris Premier Services Premium\nRewards Mastercard: You will earn two (2) bonus\npoints for every one United States dollar ($1.00)\nin eligible dining, airfare and/or hotel purchases,\nrounded to the nearest whole dollar (i.e., a\n$150.49 dining purchase would be multiplied by\n2 then rounded to determine how many bonus\npoints you can earn). Bonus points are only\nearned on the first $2,500 of net eligible dining,\nairfare and/or hotel purchases within a calendar\nquarter. After the $2,500 cap is met within a\ncalendar quarter, you will continue to earn at\nthe base rate in those categories until the next\ncalendar quarter begins and the cap is reset.\niv.\t\x07BMO Wealth Management Premium Rewards\nMastercard: You will earn two (2) bonus points\nfor every one United States dollar ($1.00) in\neligible dining, airfare and/or hotel purchases,\nrounded to the nearest whole dollar (i.e., a\n$150.49 dining purchase would be multiplied by\n2 then rounded to determine how many bonus\npoints you can earn). There is no cap on the\namount of bonus points earned.\n7\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n\xe2\x80\xa2 Anniversary Bonus Earn:\ni.\t\x07BMO Harris Bank Platinum Rewards\nMastercard: You will earn an Anniversary\nbonus equal to ten percent (10%) of total net\npurchases made in the calendar year since\nthe Account\xe2\x80\x99s Anniversary date.\nii.\t\x07BMO Harris Bank Premium Rewards\nMastercard and BMO Harris Premier Services\nPremium Rewards Mastercard: You will\nearn an Anniversary bonus equal to fifteen\npercent (15%) of total net purchases made\nin the calendar year since the Account\xe2\x80\x99s\nAnniversary date.\niii.\t\x07BMO Wealth Management Premium Rewards\nMastercard: You will earn an Anniversary\nbonus equal to twenty percent (20%) of the\ntotal net purchases made in the calendar year\nsince the Account\xe2\x80\x99s Anniversary date.\niv.\t\x07Your Account must be in good standing at\nthe time the Anniversary bonus is calculated\nin order to earn the Anniversary bonus. The\nAnniversary bonus will be applied to the\nAccount 4 \xe2\x80\x93 6 weeks after your Anniversary\ndate. For purposes of these Rules, your\n\xe2\x80\x9cAnniversary\xe2\x80\x9d is the date that is twelve\nmonths after the Account\xe2\x80\x99s enrollment date,\nand the same date each twelve months\nthereafter. Your Account is considered enrolled\nin the Rewards program effective on the date\nyou open your eligible credit card, unless you\nchange from a non-Rewards card to a Rewards\ncard, where your enrollment date is the date\nof Product Change.\n3. Net purchases are the dollar value of goods and\nservices purchased on an Account minus any credits,\nreturns or other adjustments as reflected on monthly\nbilling statements.\n\nBMO Harris RewardsSM Program Rules\n\n8\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n4. All credits and/or returns will result in a debit of the\nsame amount of points that were originally earned.\n5. Negative points will post if your returns or credits\nexceed your purchases for the monthly billing period.\n6. Eligible purchases generally include purchase\ntransactions on your statement. However,\ntransactions that are not eligible purchases for\npurposes of point calculation include but are not\nlimited to: cash advances, balance transfers, cash\nadvances designated as purchases, which includes\nfor clarity, purchases that can be converted to cash\nor cash equivalents, gift cards (including store gift\ncards), prepaid cards or cards that can be used for\ncash-like or quasi-cash transactions, traveler\'s checks,\nmoney orders, and purchases of foreign currency,\nconvenience checks, wire transfers, ATM withdrawals.\nFees and card-related charges posted to an Account,\nincluding late payment fees, annual fees and interest\ncharges as contained in the applicable Governing\nAgreements also are excluded from the calculation of\neligible purchases. Additional transactions excluded\nfrom calculation of eligible purchases include:\ngaming-related transactions (including, without\nlimitation, gambling chips, off-track wagers or\nlottery ticket transactions), tax payments, purchases\nof digital assets, and any unauthorized charges or\ntransactions, and any airfare or hotel reservation\nbooked directly through a third party booking\nservice. For further clarification, transactions that we\ndetermine in our own discretion are made for the\npurpose of abusing the Program are not eligible to\nearn points and we may reverse any points that were\naccrued as a result of fraud or abuse of the Program\nor Account.\n7. If the Account is closed for any reason, the Account\nwill no longer be able to accrue points and all\naccrued points not redeemed for that Account will be\navailable to redeem for 90 days as long as Account is\nclosed in good standing.\n\n9\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n8. Rewards Card points earned during a billing cycle are\nnot available for redemption until they are posted on\nyour monthly billing statement and transferred to your\navailable points balance. You may access BMO Harris\nRewards online by logging in at bmoharris.com then\nclicking \xe2\x80\x9cView & Redeem\xe2\x80\x9d from the Account details\nscreen. Your available points balance is also available\nby calling the BMO Harris Rewards Redemption\nCenter (\xe2\x80\x9cRedemption Center\xe2\x80\x9d) .\n9. If you have more than one type of Rewards Card\nspecifically addressed by these Rules, points earned\non each such Rewards Card may be combined.\nPoints earned on other BMO Harris Bank rewards\ncredit cards not addressed by these Rules cannot be\ncombined with points earned from a Rewards Card.\nIf you are the Cardholder of more than one Rewards\nCard covered by these Program Rules, you may call\nthe Redemption Center to have your points pooled.\nAll pooled accounts must be in good standing to\ncontinue to earn and redeem pooled points.\n10. Points are not considered your property and cannot\nbe transferred to any other Account, person or entity.\nPoints have no cash value. If we learn of the death of\nthe Cardholder on an Account without a co-borrower,\nwe may automatically redeem any available points as a\nstatement credit to the account that earned the points.\n11. A request to change your current card type (\xe2\x80\x9cCurrent\nCard\xe2\x80\x9d) to a different card type (\xe2\x80\x9cProduct Change Card\xe2\x80\x9d)\nwithout opening a new Account is a Product Change\nrequest. Product Change requests are subject to the\nterms and conditions provided with a Product Change\nrequest as well as any applicable Governing Agreements.\n\xe2\x80\xa2 Transferring Points:\ni.\t\x07If both your Current Card and your Product Change\nCard are Rewards Cards that earn points (not the\nBMO Harris Cash Back Mastercard), the available\npoints on your Current Card will transfer to your\nProduct Change Card at a 1:1 rate.\n\nBMO Harris RewardsSM Program Rules\n\n10\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nii.\t\x07If your Current Card is a Cash Back Card and your\nProduct Change Card is a Rewards Card that\nearns points, your available cash back balance\nwill be converted into points by multiplying the\nCash Back balance by 100 and transferred to your\nProduct Change Card. For example, if your Current\nCard has an available cash back balance of $125 at\nthe time of Product Change, we will multiply $125\nby 100 and transfer 12,500 points to your Product\nChange Card.\niii.\t\x07If your Current Card earns points (not the BMO\nHarris Cash Back Mastercard) and your Product\nChange Card is a Cash Back Card, your available\npoints balance will be converted into cash back by\ndividing the balance by 100. For example, if you\nhave an available points balance of 12,500 points\nat the time of Product Change, we will divide\n12,500 by 100 and transfer $125 cash back to your\nProduct Change Card.\niv.\t\x07If your Current Card earns points or cash back and\nyour Product Change Card does not earn points or\ncash back, you will have 90 days after the date of\nProduct Change to redeem any available points or\ncash back on your Account.\nv.\t\x07If you request a Product Change, you may\nexperience a temporary delay in accessing your\navailable points while we process your request.\n\xe2\x80\xa2 Earning Points:\ni.\t\x07The base and bonus earn rates for your Product\nChange Card will begin with transactions that post\nafter the date of Product Change.\n\xe2\x80\xa2 Bonus Points:\ni.\t\x07If you earn an Anniversary bonus with your Card,\nwe will calculate that bonus using the Rules that\napply to the product that you are in at the time of\nyour Anniversary.\n\n11\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nii.\t\x07If you complete a Product Change from a Rewards\nCard to another Rewards Card, your Anniversary\ndate does not change. If you complete a Product\nChange from a non-Rewards Card to a Rewards\nCard, your Anniversary date will be the date of\nyour Product Change date.\niii.\t\x07Unless otherwise specified, a Product Change Card\nis not eligible for an Introductory Bonus.\nRedeeming Points\n1. Points may be redeemed for a variety of rewards, as\nindicated in the catalog (\xe2\x80\x9cCatalog\xe2\x80\x9d) on the Program\nwebsite, including airline tickets, vacation packages,\ncruises, hotel reservations, merchandise, gift cards,\nand statement credits. For a complete listing of\nall possible rewards available for redemption, in\naddition to their current redemption value, terms\nand conditions, the full Catalog is available at\nbmoharrisrewards.com. All rewards are subject to\nthe terms and conditions of the applicable merchant\nor manufacturer. Please consult directly with thirdparty booking, reservations and loyalty programs\nregarding your participation in those programs when\nyou use your BMO Harris Rewards points. We are not\nresponsible for non-BMO Harris rewards programs.\n2. For your available point balance or to make\na redemption visit bmoharris.com or call the\nRedemption Center.\n3. Points earned during a billing cycle are not eligible\nfor redemption until they are posted on your monthly\nbilling statement and transferred to your available\npoints balance.\n4. Only you may redeem points. Rewards, including\nairline tickets, may be issued in the name of another\nperson designated by you.\n\nBMO Harris RewardsSM Program Rules\n\n12\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n5. Points may not be used with any other discount or\ncoupon offer. Points may not be used as payment\nfor any obligation owed to us, unless otherwise\npermitted in special promotional offers. No cash\nrefunds will be issued on redemption of points.\n6. Unless otherwise specified, all rewards are sent to\nyour statement mailing address postage prepaid.\n7. All rewards are subject to availability and fulfillment\nfees, if and when they are applicable. Rewards may\nbe discontinued or withdrawn without notice. The\nredemption value of rewards may be changed at any\ntime without notice.\n8. Neither us, our affiliates, nor Third Party Service\nProviders are responsible for lost, stolen, or damaged\ncorrespondence or documents.\n9. You have sole responsibility for any charges over\nand above the stated value of the gift cards,\nmerchandise, airline tickets, car or hotel reservations,\nexperiences, cruises or vacation packages.\n10. Points have no cash value.\n11. After you book any travel reward reservation using\nyour points, please contact the Redemption Center\nregarding changes, re-scheduling, or any additional\nservices pertaining to your reservation.\n12. You may elect not to use points for the full amount of\na travel reward. The difference between the amount\nof the travel reward and the points redeemed will\nbe charged to the BMO Harris Bank credit card\nyou designate.\nRewards\nAirline Tickets\n1. You may redeem points for a scheduled ticket on\na major airline carrier, providing that the fares,\nschedules, and ability to generate an electronic\nticket are possible through the BMO Harris\nRewards program.\n\n13\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n2. Reservations for airline tickets must be available\nthrough the BMO Harris Rewards program at the\ntime of booking.\n3. Participating air carriers are subject to change.\n4. Reservation and ticketing must be completed at time\nof redemption.\n5. Tickets may be redeemed in any individual\xe2\x80\x99s name.\nThe names of all passengers must match their\ngovernment-issued ID and most airlines do not\nallow changes to passenger names once a ticket\nhas been issued.\n6. Airline ticket rewards may not be used in conjunction\nwith any type of coupons, vouchers, Internet fares or\ncompanion fares.\n7. All taxes and the September 11th Security Fee are\nincluded in the stated fare. Any applicable baggage\nfees or any additional charges by the airlines are\nthe responsibility of the passenger and will be billed\nseparately by the airline. All travel itineraries and\nsupporting documentation,will be sent via email and\nmay be accessed through, your BMO Harris Rewards\naccount online.\n8. Airline tickets are non-refundable and nonchangeable\nunless permitted by the terms of the fare. If changes\nto an itinerary are later necessary, you may contact\nthe Redemption Center with your request. Changes\nmay incur additional costs such as airline penalty\nfees, increased fares, and service fees that will be\napplied to your BMO Harris Bank credit card that you\ndesignate. In the instance that a refund is due, it will\nbe processed within 4 to 6 weeks and will post in\nthe manner in which redemption was made (e.g.,\nif reservation was made with all points, it will be\nrefunded in points).\n9. The Bank, our affiliates and Third Party Service\nProviders are not responsible for any lost or\ndamaged luggage.\n\nBMO Harris RewardsSM Program Rules\n\n14\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n10. The Bank, our affiliates and Third Party Service\nProviders are not responsible for communication of\nairline schedule changes or the performance of any\nAirline for tickets redeemed with points from the\nBMO Harris Rewards program.\n11. The traveler is responsible for obtaining the\nappropriate international travel documentation, such\nas passports and visas. Visit www.travel.state.gov\nfor passport and visa requirements. The Redemption\nCenter assumes no responsibility for advising\nguests of proper travel documentation. The traveler\nshould have valid government-issued photo ID upon\nairport check-in.\n12. Travel rewards are forfeited for individuals who\nare no-shows.\n13. Airline policies are subject to change at any time\nwithout notice.\nHotel Bookings\n1.\n\nYou may redeem points for reservations at hotels\nworldwide participating in the program.\n\n2.\n\nYou must meet the eligibility requirements, such as\na minimum age restriction, established by the hotel\nprovider. Hotel policies and participation are subject\nto change at any time without notice.\n\n3.\n\nHotel reservations and associated costs or\ncancellations are subject to the specific hotel\ncancellation policy. If changes or cancellation to a\nhotel reservation is necessary, you may contact the\nRedemption Center with your request prior to check\nin. Changes or cancellation may incur additional\nexpenses. If a refund is due, it will be processed\nwithin 4 to 6 weeks and will post in the manner in\nwhich payment was made (e.g., if reservation was\nmade with all points, it will be refunded in points).\n\n4.\n\nThe traveler is responsible for obtaining the\nappropriate international travel documentation,\nsuch as passports and visas. The traveler should\n\n15\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nhave a valid government-issued photo ID upon\ncheck-in that matches the name on the reservation\nand will be required to present a credit card\nfor the incidental expenses such as parking or\nroom service.\n5.\n\nRestrictions may apply to hotel frequent\nguest programs.\n\n6.\n\nNeither us, our affiliates nor Third Party Service\nProviders are responsible for the performance\nof any hotel provider.\n\nMerchandise\n1.\n\nAll merchandise reward orders are subject to\nproduct availability.\n\n2.\n\nMerchandise rewards include applicable sales tax\nand shipping and handling (via first-class mail,\nground delivery or motor freight service within the\ncontinental U.S.).\n\n3.\n\nMerchandise will be shipped to your statement\nmailing address if your address on file is within the\nU.S. Shipments cannot be made to a post office box.\n\n4.\n\nFor security reasons, parcel or motor freight\ncouriers may contact you to arrange delivery of\nmerchandise. It is your responsibility to respond to\nthe courier in a timely and reasonable manner to\nfacilitate the delivery process. Additional shipping\nand handling fees for merchandise returned\nto vendor due to your failure to make delivery\narrangements will be your responsibility.\n\n5.\n\nIn-stock merchandise shown in the Catalog will\nordinarily be delivered within 4 to 6 weeks.\n\n6.\n\nMerchandise shown in the Catalog carries a 100%\nsatisfaction guarantee against workmanship defect\nor shipping damage for 30 days from receipt of your\norder. This does not apply to perishable items.\n\n7.\n\nIf your package appears to be damaged upon\narrival, you should refuse the package if possible.\n\nBMO Harris RewardsSM Program Rules\n\n16\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nIf it is not possible to refuse the package, contact\nthe Redemption Center within 24 hours of receipt.\nDo not attempt to return an item or shipment\nwithout first contacting the Redemption Center.\n8.\n\nDamaged merchandise is not returnable if\nnotification is delayed beyond thirty (30) days.\n\n9.\n\nMerchandise will be replaced once the damaged\nmerchandise has been received from you.\n\n10. For some products, the manufacturer does not\nallow returns but provides warranty service. In such\na situation, you may receive instruction on how\nto obtain warranty service rather than a complete\nreward replacement.\n11. We reserve the right to alter or substitute any or all\nmerchandise rewards (or change point value) at any\ntime without prior notification.\n12. You may return the substitute reward to us at our\nexpense if it is unacceptable, and we will notify you\nthat your points, if deducted, have been restored.\n13. We reserve the right to refuse to exchange\nmerchandise or refund points if an item is returned\nwithout adhering to this return policy.\n14. Neither us, our affiliates nor Third Party Service\nProviders are responsible for the performance\nof any merchandise or injury related to use of\nmerchandise redeemed with points from the\nBMO Harris Rewards program.\nGift Cards\n1.\n\nThese rewards may not be combined with any other\npromotional offers.\n\n2.\n\nGift cards are valid at participating merchants only\nthrough the expiration date (when applicable)\nprinted on the gift card.\n\n17\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n3.\n\nGift cards and will be subject to the gift card\nsuppliers\xe2\x80\x99 terms and conditions and will have no\nvalue except when used in accordance with those\nterms and conditions.\n\n4.\n\nGift cards will not be honored retroactively in\nconnection with any prior purchases, nor can they\nbe used as payment on existing Account balances\nwith either the participating merchant or us. Any\nunused portion of a gift card will not be returned to\nyou or other recipient of the gift card in cash unless\notherwise so stated on the gift card or in the terms\nand conditions accompanying the gift card.\n\n5.\n\nGift cards are not refundable or exchangeable, and\nthey are not replaceable after issuance in the event\nof loss or destruction, unless otherwise stated\non the gift card or in the terms and conditions\naccompanying the gift card.\n\n6.\n\nGift cards valued under $250 will be sent by U.S.\nPostal Service and those valued at $250 or more\nwill be shipped by courier. BMO Harris Bank Gift\nCards will be shipped first class by the U.S. Postal\nService, regardless of dollar amount. Gift cards will\nbe shipped to your statement mailing address if\nyour address on file is within the U.S.\n\n7.\n\nThese rewards are void where prohibited by law.\n\n8.\n\nFederal, state and local taxes on gift card purchases\nare your sole responsibility unless otherwise stated\non the gift card or in the terms and conditions\naccompanying the gift card.\n\n9.\n\nNeither us, our affiliates, nor Third Party Service\nProviders are responsible for any merchant\nperformance or performance of goods or services\npurchased with the gift card or for failure of any\nmerchant to perform due to bankruptcy, insolvency\nor any other reason.\n\nBMO Harris RewardsSM Program Rules\n\n18\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nCruises\n1.\n\nYou may redeem points towards cruise passage on\nany major cruise line available through the Catalog.\n\n2.\n\nCruise packages may only be booked through the\nRedemption Center.\n\n3.\n\nYou must meet the eligibility requirements\nestablished by the cruise provider.\n\n4.\n\nOnce cruise booking is confirmed, no interim price\nreductions will be considered or offered.\n\n5.\n\nAll cruise rewards are non-refundable.\n\n6.\n\nChanges may be made up to 90 days prior to sailing\n(120 days for holiday and special event cruises).\nChanges under 90 days (120 days for holiday and\nspecial event cruises) may result in forfeiture of the\nreward.\n\n7.\n\nTravel rewards are forfeited for individuals who are\nno-shows. Any changes may result in service fees\nand additional fees imposed by the cruise line; you\nwill be notified of such fees in advance.\n\n8.\n\nCruise rewards may not be used in conjunction with\nany type of coupons, vouchers or group rates.\n\n9.\n\nAll reservations are subject to the conditions of\ncarriage, supply or business of the service provider,\nwhich include exclusions and limitations of liability.\n\n10. Proper travel documentation is required at\nembarkation and throughout the cruise. Even\nthough a traveler has registered online, it is still the\nresponsibility of the traveler to present the required\ntravel documents at the time of embarkation.\nTraveler should check with www.travel.state.gov\nto determine the travel documents necessary\nfor each port of call. Any guest without proper\ndocuments will not be allowed to board the vessel\nand no refund of the cruise fare will be issued. The\nRedemption Center assumes no responsibility for\nadvising guests of proper travel documentation.\n\n19\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n11. Neither us, our affiliates nor Third Party Service\nProviders are responsible for the performance of\nthe cruise line.\nCar Rentals\n1.\n\nYou may use points for car rental reservations with\nselect car rental companies listed in the Catalog.\nCar rental reservations will be prepaid at the time\nof booking and payment for costs not covered by\nthe use of points will be charged to the BMO Harris\nBank credit card you designate.\n\n2.\n\nIn addition to the daily rental rate, fees and taxes,\nyou are responsible for any other charges not\nincluded in the daily rental rate, including, but not\nlimited to costs for damages to the vehicle and\naccessories or incidentals (e.g., child seats, GPS, etc.).\n\n3.\n\nPlease review car rental terms and conditions for\ncancellation policies. If you are a no-show, all points\nand any additional payments for the rental made by\nBMO Harris Bank credit card will not be refunded.\n\n4.\n\nYou will not receive a credit or refund for any\nunused portion of your rental period unless where\nprohibited by law.\n\n5.\n\nAll reservations are subject to the terms and\nconditions of carriage, supply or business of the\nservice provider, which may include exclusions and\nlimitations of liability.\n\n6.\n\nNeither us, our affiliates nor Third Party Service\nProviders are responsible for the performance of the\ncar, car rental company, or any services or features\nprovided by the car rental company.\n\nExperiences\n1.\n\nAll reservations for experiences will be subject\nto the merchant\xe2\x80\x99s terms and conditions for any\nscheduling restrictions, such as maximum group\nsize or time and date availability.\n\nBMO Harris RewardsSM Program Rules\n\n20\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n2.\n\nThe merchant has sole responsibility for honoring\nany reservation, any of the merchant\xe2\x80\x99s customer\nloyalty programs, and for the care and quality of all\nservices it provides to you.\n\n3.\n\nWe do not facilitate nor are we liable for any special\nrequests you make of the merchant, which the\nmerchant may accommodate at its discretion.\n\n4.\n\nWe will not provide a refund for any missed or\ncanceled reservation if you did not cancel or\nreschedule according to the merchant\'s policies. It\nis within the merchant\xe2\x80\x99s sole discretion to provide\nan alternative date and time for your experience\nafter a missed or canceled reservation. Once you\nhave scheduled your experience you will be subject\nto the terms and conditions including those for\nrescheduling, cancellation and no-shows.\n\n5.\n\nIf your participation is conditional upon signing an\nindemnity and release form with the merchant and\nyou decline to sign any document or fail to meet\nrequirements after scheduling, you will not be\neligible for any refund and may not be allowed to\nparticipate in the experience.\n\n6.\n\nMerchants may also require compliance with other\nconditions, including but not limited to conduct, and\nfailure to meet these conditions may result in you\nbeing removed from the premises and unable to\nparticipate in the experience without a refund.\n\n7.\n\nNeither us, our affiliates nor Third Party Service\nProviders are responsible for the performance of\nthe merchant.\n\nVacation Packages\n1.\n\n21\n\nYou may redeem points towards any vacation\npackage offered through the BMO Harris\nRewards Program.\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n2.\n\nVacation packages may only be booked by calling\nthe Redemption Center and specialty agents that\ncan assist with booking vacation packages are\navailable 8am-5pm Central Time, Monday-Friday.\n\n3.\n\nOnce the vacation package booking is confirmed,\nno interim price reductions will be considered\nor offered.\n\n4.\n\nChanges may be made up to 90 days prior to travel\n(120 days for holiday and special events). Changes\nunder 90 days (120 days for holiday and special\nevents) may result in forfeiture of the reward.\nChanges are subject to availability and may result\nin service fees and additional fees imposed by\nthe provider; you will be notified of such fees\nin advance.\n\n5.\n\nTravel rewards are forfeited for individuals who\nare no-shows.\n\n6.\n\nVacation packages may not be used in conjunction\nwith any type of coupons, vouchers or group rates.\n\n7.\n\nThe difference between the amount of the vacation\npackage and the points redeemed will be charged\nto the BMO Harris Bank credit card you designate.\n\n8.\n\nAll reservations are subject to the conditions of\ncarriage, supply or business of the service provider,\nwhich include exclusions and limitations of liability.\n\n9.\n\nProper travel documentation is required throughout\nthe tour. Even though a traveler has registered\nonline, it is still the responsibility of the traveler\nto present the required travel documents at the\ntime of departure. The traveler is responsible for\nobtaining the appropriate international travel\ndocumentation, such as passports and visas. Visit\ntravel.state.gov for passport and visa requirements.\nThe Redemption Center assumes no responsibility\nfor advising guests of proper travel documentation.\n\nBMO Harris RewardsSM Program Rules\n\n22\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n10. Neither us, our affiliates nor Third Party Service\nProviders are responsible for the performance of the\ntravel provider, tour operator or any service vendor.\nStatement Credits\nYou may redeem points for a statement credit that may\nbe applied to an eligible account you designate at the\nBank. Rewards redeemed to a BMO Harris Checking,\nSavings, or Money Market account will be credited to\nthat account 7-10 business days after your redemption\nrequest. Redemptions to BMO Harris Checking, Savings\nor Money Market accounts may be considered taxable\nincome from BMO Harris Bank in the tax year in which\nyou redeem the points. BMO Harris Bank may be\nrequired to send you a Form 1099-MISC for the year in\nwhich you redeem.\nPlease allow up to 7 to 10 business days after\nredemption for the statement credit to post to your\nAccount. Statement credits will not be applied towards\nreducing the minimum payment due on your Account.\nStatement credit denominations and point valuations\nspecific to your Rewards Card can be viewed by logging\nin to bmoharris.com and clicking View and Redeem\nfrom the Account Details screen. In the case of pooled\naccounts, the statement credit will be applied to the\nAccount that is logged in at the time the statement\ncredit redemption is made.\nRev. 07/21\n\n23\n\nCredit Cards\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nQuestions?\nOnline\nLog in at bmoharris.com then click "View and\nRedeem" from your Account details screen.\nOnline access is available 24 hours a day,\n7 days a week to view your available\nbalance or make a redemption.\nPhone\nCall the Redemption Center at\n1-800-610-8987 for rewards program information.\nRedemption Center hours of operation\nare from 8 a.m. to 8 p.m. Central Time,\nseven (7) days a week, excluding\nfederal holidays.\n\nBMO Harris RewardsSM Program Rules\n\n24\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\n\x0c(June 22, 2021 / 08:31:33)\n\n121264-2_BMO-50360071_ConsumerRewardProgram\n\nTalk with us\n\n1-800-610-8987\nLearn more\n\nbmoharrisrewards.com\n\nMastercard\xc2\xae and the Mastercard Brand Mark are registered\ntrademarks of Mastercard International Incorporated.\nBanking products and services are subject to bank and credit\napproval and are provided by BMO Harris Bank N.A. Member\nFDIC. BMO Harris Bank\xc2\xae and BMO Harris\xc2\xae are trade names\nused by BMO Harris Bank N.A.\n\xc2\xa9\n\n2021 BMO Financial Group.\n\n50360071\n\n07/21-0177\n\nF03-W649-0-0621\n\nBMO Harris Bank Mastercard\xc2\xae Gift Cards are issued by BMO\nHarris Bank N.A. pursuant to a license by Mastercard International\nIncorporated and are NOT FDIC insured.\n\n\x0c'


b'Summary of Credit Terms for BMO Wealth Management Premium Rewards Mastercard\xc2\xae\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n11.99\x08. This APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0% introductory APR for 12 months from date of first transfer when transfers are\ncompleted within 90 days from date of account opening.\nAfter that, your APR will be \x141\x1199%. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Cash Advances\n\n27.24\x08\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$175, after the first year from account opening.\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\n\xe2\x80\xa2 Either $10 or 4% of the amount of each balance transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\n\xe2\x80\xa2 Either $10 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\n\xe2\x80\xa2 None\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\n\xe2\x80\xa2 Up to $39\n\n\xe2\x80\xa2 Returned Payment\n\n\xe2\x80\xa2 Up to $39\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See your\nCredit Card Cardholder Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the standard APR if you make a late payment.\nPenalty Fees: A single violation of each type will not exceed $29. However, if another violation of the same type occurs within six\nbilling cycles, we will charge up to the maximum fee in the table above. The Late Payment and Returned Payment fees will not\nexceed the related Minimum Payment Due.\nPromotional/Introductory Rates and Your Grace Period: If you take advantage of an offer with an introductory or promotional\nAPR, we will charge you interest on new Purchases, unless your new Purchases have a 0% APR, or you pay your Account balance,\nincluding any Balance Transfers and Cash Advances, in full each month by your payment due date.\nBMO Harris Bank N.A. is the issuer of BMO Harris credit cards.\nNOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, unilateral statement or court decree adversely affects our rights unless we get a copy\nof the agreement, statement or decree before we grant you credit. You agree that any credit granted will be used in the interest of your marriage or family. State law may require\nus to give notice of this credit card account to your spouse.\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies\nmaintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.\nNEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative\ncredit card rates, fees and grace periods. New York State Department of Financial Services: 1-800-342-3736 or http://www.dfs.ny.gov.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law\nrequires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will\nask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver\xe2\x80\x99s license or other identifying documents.\n\nMastercard\xc2\xae is a registered trademark of Mastercard International Incorporated. BMO Wealth Management is a brand name that refers to BMO Harris Bank N.A. and certain of its\naffiliates that provide certain investment, investment advisory, trust, banking, securities, insurance and brokerage products and services. Banking products and services are\nprovided by BMO Harris Bank N.A. and are subject to bank and credit approval. BMO Harris Bank N.A. Member FDIC. \xc2\xa9 \x15\x1321\x03 BMO Harris Bank N.A. All Rights Reserved. (04\x1201/21)\nbmoharris.com\n\n\x0c'


b'Summary of Credit Terms for BMO Harris Premier Services Premium Rewards Mastercard\xc2\xae\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n\x142.24\x08, \x145.24\x08, \x148.24\x08 or 19.24\x08 based on your creditworthiness.\n\nAPR for Balance Transfers\n\n0% introductory APR for 12 months from date of first transfer when transfers are\ncompleted within 90 days from date of account opening.\n\nThis APR will vary with the market based on the Prime Rate.\n\nAfter that, your APR will be \x142.24\x08, \x145.24\x08\x0f \x148.24\x08 or 19.24\x08 based on your credit\nworthiness. This APR will vary with the market based on the Prime Rate.\nAPR for Cash Advances\n\n27.24\x08\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month. We\nwill begin charging interest on cash advances and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$79, after the first year from account opening.\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\n\xe2\x80\xa2 Either $10 or 4% of the amount of each balance transfer, whichever is greater.\n\n\xe2\x80\xa2 Cash Advance\n\n\xe2\x80\xa2 Either $10 or 5% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\n\xe2\x80\xa2 None\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\n\xe2\x80\xa2 Up to $39\n\n\xe2\x80\xa2 Returned Payment\n\n\xe2\x80\xa2 Up to $39\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See your Credit Card\nCardholder Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the standard APR if you make a late payment.\nPenalty Fees: A single violation of each type will not exceed $29. However, if another violation of the same type occurs within six billing\ncycles, we will charge up to the maximum fee in the table above. The Late Payment and Returned Payment fees will not exceed the\nrelated Minimum Payment Due.\nPromotional/Introductory Rates and Your Grace Period: If you take advantage of an offer with an introductory or promotional APR, we\nwill charge you interest on new Purchases, unless your new Purchases have a 0% APR, or you pay your Account balance, including any\nBalance Transfers and Cash Advances, in full each month by your payment due date.\nBMO Harris Bank N.A. is the issuer of BMO Harris credit cards.\nNOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, unilateral statement or court decree adversely affects our rights unless we get a copy of the\nagreement, statement or decree before we grant you credit. You agree that any credit granted will be used in the interest of your marriage or family. State law may require us to give notice of\nthis credit card account to your spouse.\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain\nseparate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.\nNEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates,\nfees and grace periods. New York State Department of Financial Services: 1-800-342-3736 or http://www.dfs.ny.gov.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all\nfinancial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name,\naddress, date of birth and other information that will allow us to identify you. We may also ask to see your driver\xe2\x80\x99s license or other identifying documents.\n\nBMO Harris Premier Services represents a combined service approach of BMO Harris Financial Advisors and BMO Harris Bank, each a part of the BMO Financial Group. BMO Harris\xc2\xae is a trade name used by\nBMO Harris Bank N.A. and its affiliates.\nBMO Harris Premier Services includes banking, deposit and loan products and services provided by BMO Harris Bank N.A. Banking products and services are subject to bank and credit approval. BMO Harris Bank\xc2\xae is a\ntrade name used by BMO Harris Bank N.A. Member FDIC. BMO Harris Bank does not provide legal or tax advice.\nSecurities, investment advisory services and insurance products are offered through BMO Harris Financial Advisors, Inc. Member FINRA/SIPC. SEC-registered investment adviser. BMO Harris Financial Advisors, Inc. and\nBMO Harris Bank N.A. are affiliated companies. Securities and insurance products offered are: NOT FDIC INSURED \xe2\x80\x94 NOT BANK GUARANTEED \xe2\x80\x94 NOT A DEPOSIT \xe2\x80\x94 MAY LOSE VALUE.\nMastercard\xc2\xae is a registered trademark of Mastercard International Incorporated. \xc2\xa9 \x15\x1321 BMO Financial Corporation. All Rights Reserved. (04\x1201/21)\nbmoharris.com\n\n\x0c'


b'Summary of Credit Terms\nInterest Rates and\nInterest Charges\n\nBMO Harris Bank\n\xc2\xae\nPlatinum Rewards Mastercard\n\nBMO Harris Bank\n\xc2\xae\nCash Bank Mastercard\n\nAnnual Percentage Rate (APR)\nfor Purchases\n\n13.99%, 15.99%, 18.99% or 21.99% based on your creditworthiness.\n\nAPR for Balance Transfers\n\n0% introductory APR for 12 months from date of first transfer when transfers are\ncompleted within 90 days from date of account opening.\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.\n\nAfter that, your APR will be 13.99%, 15.99%, 18.99% or 21.99% based on your credit\nworthiness. This APR will vary with the market based on the Prime Rate.\n24.24% This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on Your due date is at least 21 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nPurchases\nmonth. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\n\xe2\x80\xa2 Either $10 or 4% of the amount of each balance transfer, whichever is greater.\n\xe2\x80\xa2 Either $10 or 5% of the amount of each cash advance, whichever is greater.\n\xe2\x80\xa2 3% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\n\xe2\x80\xa2 Up to $39\n\xe2\x80\xa2 Up to $39\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See\nyour Credit Card Cardholder Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the standard APR if you make a late payment.\nPenalty Fees: A single violation of each type will not exceed $29. However, if another violation of the same type occurs\nwithin six billing cycles, we will charge up to the maximum fee in the table above. The Late Payment and Returned Payment\nfees will not exceed the related Minimum Payment Due.\nPromotional/Introductory Rates and Your Grace Period: If you take advantage of an offer with an introductory or\npromotional APR, we will charge you interest on new Purchases, unless your new Purchases have a 0% APR, or you pay\nyour Account balance, including any Balance Transfers and Cash Advances, in full each month by your payment due date.\nBMO Harris Bank N.A. is the issuer of BMO Harris credit cards.\nNOTICE TO MARRIED WISCONSIN RESIDENTS: No provision of a marital property agreement, unilateral statement or court decree adversely affects our\nrights unless we get a copy of the agreement, statement or decree before we grant you credit. You agree that any credit granted will be used in the interest\nof your marriage or family. State law may require us to give notice of this credit card account to your spouse.\nOHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance\nwith this law.\nNEW YORK RESIDENTS: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free\ninformation on comparative credit card rates, fees and grace periods. New York State Department of Financial Services: 1-800-342-3736 or\nhttp://www.dfs.ny.gov.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and\nmoney laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an\naccount. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to\nidentify you. We may also ask to see your driver\xe2\x80\x99s license or other identifying documents.\n\nMastercard\xc2\xae is a registered trademark of Mastercard International Incorporated. Banking products and services are provided by BMO Harris Bank N.A. and\nare subject to bank and credit approval. Member FDIC. \xc2\xa9 2021 BMO Harris Bank N.A. All Rights Reserved. (04/01/21)\nbmoharris.com\n\n\x0c'


b'Diners Club\xc2\xae\nClub Rewards\xc2\xae\nTerms And Conditions\nDefinitions\n1. Capitalized words used in the terms and conditions of the Program are\ndefined as follows:\n\xe2\x80\x9cAccount\xe2\x80\x9d means an account for any type of Card;\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means in respect of a Professional Card or a Personal Card,\nan individual who (a) is an individual identified as an authorized user in an\napplication for a Professional Card or a Personal Card, or (b) is an individual\nwho has been added as an authorized user on the Account in accordance\nwith the terms of the applicable Diners Club Credit Card Cardmember\nAgreement or Diners Club Professional Card Cardmember Agreement;\n\xe2\x80\x9cCard\xe2\x80\x9d means a Corporate Card, Professional Card or Personal Card, as the\ncase may be, and all renewals, and replacements of such credit card or\ncharge card;\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means an advance of cash that is charged to the Account;\n\xe2\x80\x9cCatalogue\xe2\x80\x9d means the Club Rewards catalogue which is available at\nwww.clubrewardsus.com;\n\xe2\x80\x9cCentral Bill Corporate Card\xe2\x80\x9d means a Diners Club or Carte Blanche\xc2\xae Card\nissued in the U.S. pursuant to a Diners Club Corporate Agreement for which\nthe Employer has chosen the central bill option;\n\xe2\x80\x9cCharges\xe2\x80\x9d means all amounts charged to the Account including Purchases,\nCash Advances, interest, service fees and other charges;\n\xe2\x80\x9cCorporate Collect Card\xe2\x80\x9d means a Central Bill Corporate Card program in\nwhich all Cards issued under that program generate points for the exclusive\nuse of the Employer.\n1\n\n\x0c\xe2\x80\x9cCorporate Card\xe2\x80\x9d means a Central Bill Corporate Card, an Individual Bill\nCorporate Card or a Corporate Collect Card;\n\xe2\x80\x9cCustomer Center\xe2\x80\x9d means the Club Rewards Customer Contact Center, which\ncan be reached at the number and during the times set out in section 49;\n\xe2\x80\x9cEmployer\xe2\x80\x9d means the business, association or government agency that\nauthorized us to issue a Corporate Card to you;\n\xe2\x80\x9cFrequent Traveler Reward\xe2\x80\x9d has the meaning ascribed to it in section 18(b);\n\xe2\x80\x9cGood Standing\xe2\x80\x9d means that there are no past due balances on the Account,\nall fees have been paid and you are in compliance with the terms and\nconditions of the Program;\n\xe2\x80\x9cIndividual Bill Corporate Card\xe2\x80\x9d means a Diners Club or Carte Blanche Card\nissued in the U.S. pursuant to a Diners Club Corporate Agreement for which\nthe Employer has chosen the individual bill option;\n\xe2\x80\x9cOpen\xe2\x80\x9d means the Account has not been suspended or closed;\n\xe2\x80\x9cPersonal Card\xe2\x80\x9d means a Diners Club Card Premier or a Diners Club Card Elite\ncredit card issued in the U.S.;\n\xe2\x80\x9cPersonalized Reward\xe2\x80\x9d means anything that is outside of the Catalogue\nwhich someone with at least 50,000 Points may request that we provide to\nthem as a Program reward and for which we will advise that person of the\nnumber of Points required;\n\xe2\x80\x9cPoint\xe2\x80\x9d means a Club Rewards point;\n\xe2\x80\x9cPoints Plus Charge\xe2\x80\x9d means that a combination of Points and a Charge to\nyour Card are used to obtain a Self Serve Travel Reward;\n\xe2\x80\x9cPrimary Cardmember\xe2\x80\x9d means the individual identified as the primary\ncardmember on the application for a Professional Card or a Personal Card;\n2\n\n\x0c\xe2\x80\x9cProfessional Card\xe2\x80\x9d means either a Professional Charge Card or Professional\nCredit Card issued in the U.S.;\n\xe2\x80\x9cProfessional Charge Card\xe2\x80\x9d means a Diners Club Professional Charge Card or\na Diners Club Carte Blanche Professional Charge Card issued in the U.S.;\n\xe2\x80\x9cProfessional Credit Card\xe2\x80\x9d means a Diners Club Professional Credit Card\nissued in the U.S;\n\xe2\x80\x9cProgram\xe2\x80\x9d means the Diners Club Club Rewards program in the U.S.;\n\xe2\x80\x9cPurchase\xe2\x80\x9d means a purchase of goods or services (or both) that is charged\nto the Account;\n\xe2\x80\x9cSelf Serve Travel Reward\xe2\x80\x9d has the meaning ascribed to it in section 18(a);\n\xe2\x80\x9cStatement\xe2\x80\x9d means your monthly Account statement;\n\xe2\x80\x9cTailored Travel Reward\xe2\x80\x9d has the meaning ascribed to it in section 18(d);\n\xe2\x80\x9cTravel Certificate\xe2\x80\x9d has the meaning ascribed to it in section 20(a);\n\xe2\x80\x9cVacation Package Reward\xe2\x80\x9d has the meaning ascribed to it in section 18(c);\n\xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean BMO Harris Bank N.A.; and\n\xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d means: in the case of a Professional Card or a Personal Card,\nthe Primary Cardmember; in the case of a Corporate Card (other than a\nCorporate Collect Card), the individual authorized by the Employer to be named\non the Corporate Card; and, in the case of a Corporate Collect Card, the\nEmployer.\nEnrollment\n2. The Program is based on a point system. Your Account must be enrolled in\nthe Program, Open, and in Good Standing in order to earn or redeem Points.\n3\n\n\x0c3. (a) If you have a Professional Card or a Personal Card your Account is\nautomatically enrolled in the Program.\n(b) If you have a Corporate Card you may be enrolled in the Program only if\nyour Employer is eligible to participate in the Program and has elected to do\nso; if you are authorized by your Employer, and; upon payment of an annual\nClub Rewards fee. Please contact your program administrator to see if you are\neligible to enroll in the Program.\nClub Rewards\nGeneral\n4. Accounts will earn points as follows:\n(a) Open and Enrolled Professional Charge Card Accounts, Personal Card\nAccounts except Diners Club Card Elite, Individual Bill Corporate Card Accounts,\nand Corporate Collect Card Accounts (subject to sections 5(b) and 5(c) below)\nin Good Standing will receive one Point for every eligible dollar charged to an\nAccount;\n(b) Open and Enrolled Diners Club Card Elite Personal Card Accounts in Good\nStanding will receive one Point for every eligible dollar charged to an Account\nor three Points for every eligible dollar charged to merchants having the\nfollowing merchant category codes: 5411 (grocery stores/supermarket); 5912\n(drug store/pharmacy); 5541 (automobile service stations); and 5542 (fuel\ndispenser, automated);\n(c) Open and Enrolled Professional Credit Card Accounts in Good Standing will\nreceive one Point for every $2 eligible dollars charged to an Account; and\n(d) Central Bill Corporate Card Accounts must check with your program\nadministrator for terms that apply to your Corporate Card Account.\n(e) For any period that an Account is not enrolled in, or has been removed\nfrom, the Program, Points will not be earned in respect of any eligible charges.\n4\n\n\x0c5. Each of the following are applicable to Points:\n(a) Subject to sections 5(b) and 5(c) below, Points are earned on a per\ntransaction basis and are based on the dollar value of the transaction rounded\nto the nearest whole dollar. Sections 5(b) and 5(c) apply to Corporate Collect\nCard Accounts, and Section 5(c) also applies to Diners Club One Cards that are\nnot issued in connection with a Corporate Collect Card Account (in which case\nthe individual authorized by the Employer to be named on the Corporate Card\ncollects the Points):\n(b) Subject to section 5(c) below, Corporate Collect Card Accounts earn Points\nfor all eligible Charges made on each Card issued on that Account.\n(c) Maximum Points Earned per Eligible Charge and Point Reduction\nCalculations on Returns:\ni.\n\nPoints are earned on the first $7,000 of each eligible Charge (any portion\nof an eligible Charge in excess of $7,000 will not earn Points).\n\nii.\n\nIn the event that an eligible Charge is in excess of $7,000 and you receive\na credit with respect to that eligible Charge, you will have your Points\nreduced for each dollar of the credit that you receive (even though you did\nnot receive Points for each dollar spent), up to a maximum of $7,000\nworth of Points in a single credit transaction.\n\niii.\n\nPurchase and Refund Example: In this example, you earn 1 Point for every\n$1 spent and purchase the following items in a single Charge: Item A\n($3,000), Item B ($2,000), and Item C ($5,000). The $10,000 eligible\nCharge earns you 7,000 Points. You then decide to return one or more\nitems from that eligible Charge. The following would occur:\n1. If, in a single return transaction, you return Item A, then you will have\n3,000 Points deducted from your Points balance.\n\n5\n\n\x0c2. If, in a single return transaction, you return Item A and Item C, you\nwill have the maximum 7,000 Points deducted from your Points\nbalance.\n3. If, in three return transactions that occur at different times, you first\nreturn Item A, then Item B, then Item C, you will have 10,000 Points\ndeducted from your Points balance, even though you only earned\n7,000 Points on the eligible Charge.\n(d) Points that you accrue are not your property and cannot be transferred to\nany other Account, person, or entity.\n(e) Points accrued in the Program have no cash or monetary value other than\nin accordance with section 41. Points can only be redeemed against rewards\nillustrated in the current Catalogue and in brochures or other materials that we\nmay supply in the future (subject to any additional terms and conditions set\nout in those brochures or materials), and may not be used in connection with\nany other discount or coupon offer.\n6. Points issued for eligible Charges made to a Professional Card or a Personal\nCard held by an Authorized User are credited to the Primary Cardholder\xe2\x80\x99s\nAccount.\n7. For Corporate Card Accounts (i) that were converted from Company Card (as\ndefined in the agreements pursuant to which such Company Cards were\nissued) accounts, only the authorizing officer may request redemption of\nPoints; and (ii) that are Corporate Collect Card Accounts, only the person\ndesignated by the Employer in writing may request redemption of Points.\n8. If you have both a Corporate Card (other than a Corporate Collect Card) and a\nProfessional Card or a Personal Card or you have more than one Professional\nCard or Personal Card, each of which earn Points, you can, subject to the\nfollowing terms and conditions, redeem Points from both Accounts for a\nreward:\n(a) When one of the Cards is a Corporate Card, your ability to pool Points is\n6\n\n\x0csubject to your Employer\xe2\x80\x99s approval and any pre-existing arrangement\nbetween your Employer and us.\n(b) If Points that are pooled between a linked Corporate Card and a\nProfessional Card or a Personal Card accrue to your benefit. You will only\nhave access to the Points accrued on the Corporate Card while you are\nauthorized to use it. Once you no longer have access to the Corporate Card or\nthat Corporate Card Account is suspended or closed, you will, subject to section\n17, only have access to the Points accrued on the Professional Card or Personal\nCard.\n(c) Points are removed from linked Accounts on a \xe2\x80\x9cfirst in first out\xe2\x80\x9d basis.\n(d) In order for you to pool Points between two Cards, you must be the\nnamed cardholder (in the case of a Corporate Card) or Primary Cardmember (in\nthe case of a Professional Card or a Personal Card) on each Card; pooling Points\nbetween two or more individuals, whether or not they are related, is not\npermitted.\nEligible Charges\n9.\nEligible Charges appearing on your Statements during your participation\nin the Program will earn Points. Not all Charges are eligible to earn Points.\n10. Subject to sections 4, 11, 13 and 15, Charges that are eligible for Points\nare as follows: airline, restaurant, hotel, car rental, service station, mail\nand online orders and retail Purchases.\n11. Charges that are not eligible for Points include, but are not limited to,\nthe following: Card fees of any kind including but not limited to interest, late\ncharges and delinquency fees, cash advances, foreign conversion charges,\ninsurance charges, unauthorized charges, handling fees, excluded purchases\nreferred to below, and Club Rewards fees. For all accounts other than Corporate\nCollect Accounts, you may only accumulate Points for Charges related to your\nown travel or that of your immediate family or household members; you will\nnot receive any Points for tickets purchased for any other traveler.\n7\n\n\x0c12. Charges or transactions may be added to, or removed from, the above\nlists of eligible charges and transactions from time to time at our sole\ndiscretion without notice. Any question as to what constitutes an eligible\ncharge shall be resolved at our sole discretion.\n13. If you receive a credit in respect of a Charge in which you received Points,\nthe Points you received in respect of that Charge will be reduced to the extent\nof the credit at the same rate at which those Points were earned\nWhat Happened to Points If Payments Are Not Made on Time?\n14. You must make the minimum payment due on time as shown on each\nStatement in order to keep your Account in Good Standing and to receive the\nfull benefits of the Program. At any time that you do not keep your Account in\nGood Standing, the following will occur:\n(a) First Statement (for Professional Card, Personal Card, and Corporate\nCard Accounts): If you fail to make the minimum payment by the due date\nshown in a Statement that you receive in any given month, despite your\ndelinquency, you will earn Points for eligible Charges on that first Statement\nand you will continue to be able to redeem Points.\n(b) Second Statement:\n(i) For Professional Card and Personal Card Accounts: If you failed to make\nthe minimum payment by the due date shown in the first Statement and in\nthe next month you fail to make the minimum payment by the due date\nshown in the second Statement, you will continue to be able to redeem Points\nearned up to, and including, the last day of the billing cycle for the first\nStatement; however, the following will occur: (i) you will not receive Points\nfor eligible Charges billed on the second Statement and (ii) your participation\nin the Program will be suspended. Should this occur, you will be required to\nbring your Account into Good Standing in order to restore your participation in\nthe Program. You will commence earning Points on the day that your Account\nis brought back into Good Standing; however, Points that would have been\nearned for eligible Charges billed on the second Statement are permanently\nforfeited.\n8\n\n\x0c(ii) For Corporate Card Accounts: If you failed to make the minimum payment\nby the due date shown in the first Statement and in the next month you fail to\nmake the minimum payment by the due date shown in the second Statement,\ndespite your delinquency, you will earn Points for eligible Charges on the\nsecond Statement and you will continue to be able to redeem Points.\n(c) Third Statement:\n(i) For Professional Card and Personal Card Accounts: If you failed to make\nthe minimum payment by the due date shown in each of the first Statement\nand the second Statement, and in the next month you fail to make the\nminimum payment by the due date shown in the third Statement, the\nfollowing will occur: (i) you will not receive Points for eligible Charges billed on\nthe third Statement, (ii) your participation in the Program will be suspended\nand (iii) you will no longer be able to redeem any Points. Should this occur, if\nyour Account has not been closed, you will be required to bring your Account\ninto Good Standing in order to restore your participation in the Program. You\nwill commence earning Points on the day that your Account is brought back\ninto Good Standing and if your Account is brought back into Good Standing\nbefore it is closed, you will have access to the Points earned up to the first\nStatement.\n(ii) For Corporate Card Accounts: If you failed to make the minimum\npayment by the due date shown in each of the first Statement and the second\nStatement, and in the next month you fail to make the minimum payment by\nthe due date shown in the third Statement, you will earn Points for eligible\nCharges on the third Statement but you will no longer be able to redeem any\nPoints until you bring your Account into Good Standing.\nd. Fourth Statement (for Corporate Card Accounts only): If you failed to\nmake the minimum payment due by the due date shown in each of the first,\nsecond and third Statements, and in the next month you fail to make the\nminimum payment by the due date shown in the fourth Statement, each of\nthe following will occur: (i) you will not receive Points for eligible Charges\nbilled on the fourth Statement, (ii) your participation in the Program will be\nsuspended, and (iii) you will no longer be able to redeem any Points. Should\nthis occur, if your Account has not been closed, you will be required to bring\n9\n\n\x0cyour Account into Good Standing in order to restore your participation in the\nProgram. You will commence earning Points on the day that your Account is\nbrought back into Good Standing and if your Account is brought back into Good\nStanding before it is closed, you will have access to the Points earned up to\nthe third Statement; however, Points that would have been earned for eligible\nCharges billed on the fourth Statement are permanently forfeited.\nFraud or Abuse May Result in the Forfeiture of Points\n15. Fraud or abuse relating to the accrual or redemption of Points and/or use\nof the Account in violation of its terms may result in any or all of the following:\nforfeiture of accrued Points, cancellation of the Account, or your removal from\nthe Program.\n16. Excepting Corporate Collect Card Accounts, Club Rewards is intended to be\na service provided to an individual cardmember, not to the Employer. It is,\ntherefore, considered fraudulent and abusive for anyone to direct, encourage,\nor allow a Corporate Card cardmember or other individuals to use a Corporate\nCard Account for the purpose of accumulating Points for the Employer\xe2\x80\x99s use or\nfor personal use in a manner that is not specifically permitted under the\nProgram\xe2\x80\x99s terms and conditions.\nWhat Happens to Points When an Account is Closed?\n17. (a) All Accounts other than Corporate Collect: If your Account is closed, all\nPoints on your Account are permanently forfeited; provided however that if the\nAccount was in Good Standing when it was closed you may redeem your\nPoints for 60 days following the cancellation of your Account, after which time\nthe Points will be forfeited.\n(b) For Corporate Collect Card Accounts subject to paragraphs 14, 15 and 16 of\nthis Agreement and the Corporate Agreement between the Employer and us,\nPoints earned on a Corporate Collect Card that is cancelled are not forfeited and\nremain available to the Employer; if you are not in Good Standing when your\nCorporate Agreement is terminated all points are forfeited; if you are in Good\nStanding when your Corporate Agreement is terminated you have 60 days\n10\n\n\x0cfrom the date your Corporate Agreement is terminated to redeem your Points,\nafter which time the Points will be forfeited.\nTravel Rewards\nGeneral\n18. The Program provides you with the following travel reward related\noptions:\n(a) booking a travel reward (other than those rewards discussed in sections\n18(b), (c) and (d) below) through the Club Rewards online booking tool or\nthrough the Customer Center (a \xe2\x80\x9cSelf Serve Travel Reward\xe2\x80\x9d), discussed in\ngreater detail in sections 21 through 31;\n(b) converting Points into a frequent flyer or frequent guest reward program\nthrough the Club Rewards online booking tool (a \xe2\x80\x9cFrequent Traveler Reward\xe2\x80\x9d),\ndiscussed in greater detail in sections 32 through 35;\n(c) redeeming for a travel or hotel package through the Customer Center or\nClub Rewards website (a \xe2\x80\x9cVacation Package Reward\xe2\x80\x9d), discussed in greater\ndetail in section 36; and\n(d) booking a travel or hotel accommodation directly with your travel agent or\nonline travel or accommodation service provider and subsequently converting\nPoints to a credit that is applied to your Card (a \xe2\x80\x9cTailored Travel Reward\xe2\x80\x9d),\ndiscussed in greater detail in sections 37 through 39.\n19. Points earned on certain Central Bill Corporate Card Accounts and Corporate\nCard Accounts converted from Company Card accounts may not be redeemed\nfor Frequent Traveler Rewards. Please check with your program administrator\nfor terms that apply to your Account.\n20. The following terms and conditions apply to each of the options identified\nin sections 18(a) to 18(c):\n\n11\n\n\x0c(a) All travel rewards are subject to availability, specific terms and conditions,\nand may have restrictions, blackout dates and exclusions. Travel reward\ncertificates, vouchers or gift cards (each a \xe2\x80\x9cTravel Certificate\xe2\x80\x9d) have no value,\nexcept when used in accordance with the terms and conditions accompanying\nthem. We may amend the terms and conditions of any travel offer at any time.\nTravel rewards: (i) do not include transportation, unless stated; (ii) are not\nexchangeable, refundable or changeable under any circumstances; and (iii)\nTravel Certificates are not replaceable in the event of loss or destruction. To\nobtain information regarding additional terms and conditions prior to ordering\nor in order to redeem Points for a travel reward, please call the Customer\nCenter.\n(b) Additional fees may apply including, but not limited to, golf carts;\nsurcharges for premium golf courses; gas, tax and insurance on rental cars;\nweekend surcharges; fuel surcharges; foreign currency exchange rates;\nnational park entrance fees; and airport facility charges. Any additional fees\nwill be confirmed at the time you book the travel reward.\n(c) A charge may be made to your Corporate Card Account if and only if\nsuch practice is acceptable to your Employer (please refer to your Employer\xe2\x80\x99s\npolicy regarding the use of your Corporate Card to ensure compliance).\n(d) Delivery of Travel Certificates will be made by courier whenever possible\nand will ordinarily be sent within 4 to 6 weeks from the time you place your\norder. Charges for shipping outside of the U.S. will be confirmed at the time\nyou book the travel reward.\nSelf Serve Travel Rewards\n21. Points may be redeemed for an airline ticket on any domestic or\ninternational airline carrier that is a member of the Airlines Reporting\nCorporation (please call the Customer Center to verify the participation of any\nparticular airline). You will not be able to use the Self Serve Travel Reward\nonline booking tool to book tickets that are sold by: (i) charters, wholesalers or\nconsolidators; and (ii) any Internet service provider where the fares are not\npublished or available for ticketing through a certified travel agency. If you are\n12\n\n\x0cinterested in booking travel with a carrier that is not offered through the Self\nServe Travel Reward online booking tool, please book your travel as a Tailored\nTravel Reward.\n22. The Points Plus Charge option can only be used for Self Serve Travel\nRewards, may be subject to credit approval, and is not available for frequent\nflyer or frequent guest rewards. Please visit www.clubrewardsus.com or call\nthe Customer Center for further details.\n23. The charge portion of a Points Plus Charge redemption can only be made\nas follows: (i) to a Professional Card or Personal Card Account; or (ii) to a\nCorporate Card Account in accordance with the terms of the applicable\nCardmember Agreement (or to the authorizing officer\xe2\x80\x99s Corporate Card Account\nfor accounts converted from a Company Card), if and only if such practice is\nacceptable to your Employer (please refer to your Employer\xe2\x80\x99s policy regarding\nthe use of your Corporate Card to ensure compliance).\n24. Only you or someone you designate may redeem Points, but tickets may\nbe issued in the name of another person that you designate.\n25. All airline tickets are sent to the billing address on the Account via first\nclass mail, postage prepaid; provided however that you can, at your expense,\nrequest expedited delivery.\n26. Changes to existing reservations may, if permitted by the reward supplier,\nbe requested at your expense up to 5 days prior to your travel date. Changes\nmay require additional costs such as airline penalty fees, increased fares, and\nservice fees. Please be aware that most airlines do not allow changes or\ncorrections to passenger names. Our ability to honor itinerary change requests\nis ultimately governed by airline rules and restrictions.\n27. You should confirm flight reservations at least 72 hours prior to departure.\nYou are responsible for obtaining the appropriate international travel\ndocument, such as a passport or visa. You must have valid photo identification\nupon check-in.\n\n13\n\n\x0c28. Electronic tickets will be issued, whenever possible, unless you request\na paper ticket. If electronic tickets are available from the airline, paper tickets\nwill only be available for an additional fee. For travel within 14 days of\nbooking that requires the issuance of a paper ticket, your paper ticket will be\nshipped via standard overnight delivery (next day delivery by 5 p.m. Central\nTime), and the cost of such overnight delivery will be billed to you. Priority,\nSaturday and deliveries outside of the continental United States may be\nsubject to additional shipping charges that will be billed to you.\n29. You are guaranteed the lowest available published price through the\nCustomer Center at the time of ticketing. This guarantee is valid for specific\ndeparture and arrival dates and times at the time of purchase through TSYS\nLoyalty\xe2\x80\x99s computer reservations system.\n30. A booking fee is charged for each Self Serve Travel Reward.\n31. We and our travel service providers are not responsible for airline\nperformance. All reservations are subject to the conditions of carriage, supply\nor business of the airline service provider, which include exclusions and\nlimitations of liability.\nFrequent Traveler Rewards\n32. The airlines and hotels participating in the Program are subject to change\nwithout notice. All frequent flyer and frequent guest reward redemptions are\nfinal and non-refundable and are made under the rules and regulations of the\nfrequent flyer or frequent guest program for which your Points are redeemed.\n33. All Point conversions made for frequent flyer rewards must be made to\nU.S. frequent flyer accounts and Points must be redeemed in designated\nincrements.\n34. The airlines and hotels participating in the Program reserve the right to\nchange their frequent traveler programs at any time without notice.\n\n14\n\n\x0cParticipating airlines and hotels may also impose restrictions that will affect\nthe redemption of your Points, including but not limited to transferring Points\ninto only the Primary Cardmember\xe2\x80\x99s frequent flyer or frequent guest account.\n35. The Points you convert to a frequent traveler program will be credited\nto your frequent flyer or frequent guest account (as the case may be) within 2\nto 4 weeks of redemption; provided however that for a fee you may expedite\nthe process for certain frequent traveler programs, in which case Points will be\nposted within three to five business days.\nVacation Package Rewards\n36. There are two types of Vacation Package Rewards. The first is a reward\nthat does not have a dollar value and constitutes a reservation. This first type\nof reward can only be redeemed via the Customer Center at which time you\nwill receive confirmation of the reservation. The second type is a Travel\nCertificate that consists of a gift card for travel or accommodation, in which\ncase the Travel Certificate does not constitute a reservation and you should\nnote the following:\n(a) You are responsible for making all reservations with the participating\nestablishment (a Travel Certificate may be required prior to making advance\nreservations with the participating establishment).\n(b) We do not guarantee availability of specific locations for specific dates.\n(c) Travel Certificates will not be honored retroactively in connection with\nany prior Purchases at a participating establishment.\n(d) Blackout dates and other restrictions may apply to Travel Certificates.\n(e) The number of Points required to obtain a Travel Certificate denominated in\na currency other than the U.S. dollar may fluctuate with the relevant exchange\nrate.\nPlease call the Customer Center should you have any question regarding\nthe type of Vacation Package Reward you received.\nTailored Travel Rewards\n37. You can arrange for your Tailored Travel Reward in the following ways:\n15\n\n\x0c(a) Directly, by charging the entire travel Purchase to your Card (provided that\nin the case of a Corporate Card, it has personal expense charging privileges);\nprovided that if you do so, you must call the Customer Center once the Charge\nis posted to your Account so as to arrange for the desired number of Points to\nbe redeemed in order to provide you with a credit to your Account (please\nallow 7 to 10 business days for a credit in respect of a Tailored Travel Reward\nto post to your Account).\n(b) By using the third party links to travel and accommodation providers\nwhich are at www.clubrewardsus.com.\n38. Any type of travel, including airline tickets, hotels, car rentals, cruises and\ntravel packages may be booked as a Tailored Travel Reward. Airline ticket\nredemptions may be for economy, business or executive class, first class,\none-ways, roundtrips, open jaws, stopovers and multi-leg flights. All applicable\ntaxes, services charges and booking fees are your responsibility and may also\nbe paid for with Points. Travel insurance may not be purchased with Points.\n39. If a paper ticket is requested, any additional costs associated with\nproviding a paper ticket, including the cost of shipment, are your responsibility\nand may either be paid for by redeeming Points or by charging the cost to your\nCard.\nExperience Rewards\n40. Purchase of an experience rewards voucher does not guarantee you entry\nto a specific event or activity. Depending on your selection and the amount of\nadvance notice given, it is possible that some dates may no longer be\navailable. You are responsible for checking the availability of your preferred\nevent or activity before making your final plans.\nClub Rewards Points-To-Cash\n41. You may redeem Points for cash that will be paid only in the form of a\ncredit to your Account. Redemptions must be made in 15,000 Point\nincrements, or any other Point increments we may designate from time to\n16\n\n\x0ctime at our sole discretion. We may refuse to complete any redemption under\nthis section if doing so would create a credit balance in your Account.\nMerchandise and Gift Certificates\n42. Delivery of in-stock merchandise and gift certificates shown in the\nCatalogue will be made by courier whenever possible and will ordinarily be\ndelivered within 4 to 6 weeks. Shipments cannot be made to a post office box.\nShipments outside of the continental U.S. may require additional shipping and\nhandling fees. Delivery of alcoholic beverages to certain states is prohibited by\nstate law. Recipients of alcoholic beverages must be over 21 years of age.\n43. Gift certificates:\n(a) will not be honored retroactively in connection with any prior Purchases;\n(b) will be subject to the gift certificate suppliers\xe2\x80\x99 terms and conditions and\nwill have no value except when used in accordance with those terms and\nconditions; and\n(c) gift certificates will be shipped according to value: those valued under $200\nwill be sent by U.S. postal service and those valued at $200 or more will be\nshipped by courier.\n44. Your receipt of a gift certificate does not constitute a reservation. Please\nnote the following:\n(a) You are responsible for making all reservations with the participating\nestablishment (a gift certificate may be required prior to making advance\nreservations with the participating establishment).\n(b) We do not guarantee availability of specific locations for specific dates.\n(c) Certain gift certificate providers charge fees for inactivity. Accordingly, we\ncan only guarantee that gift certificates will be redeemable at full face value\n(i.e. no deductions for inactivity) for six (6) months from the date of your\norder.\n45. Most merchandise items available through the Program are backed by a\nmanufacturer\xe2\x80\x99s warranty with proof of purchase. To receive a replacement\ncopy of a warranty or proof of purchase, please contact the Customer Center.\n\n17\n\n\x0cReturn Policy\n46. Merchandise shown in the Catalogue carries a 100% satisfaction guarantee\nagainst workmanship defect or shipping damage for 30 days from the date of\nyour order. This does not apply to perishable items. Do not attempt to return\nan item or shipment without contacting the Customer Center first.\n47. Items returned must be unused, undamaged and in their original shipping\ncontainers. MP3 players and electronic games must be un-opened with the\nfactory seal intact for a return to be approved. Please refer to sections 20(a)\nand 32 for additional terms and conditions pertaining to certificates.\n48. We reserve the right to refuse to exchange merchandise or refund Points, if\nan item is returned without adhering to this return policy.\nCustomer Center Contact Information and How to Order\n49. For questions relating to the Program or rewards or to place orders, you\ncan contact our Customer Center. Call toll free 1-800-234-4034. The Customer\nCenter is open Monday through and Sunday from 9:00 a.m. to 9:00 p.m.\neastern time (the Customer Center is closed on all U.S. banking holidays).\n50. There are two ways to order:\n(a) Online \xe2\x80\x94 Orders can be placed through the Catalogue available at\nwww.clubrewardsus.com.\n(b) By Phone \xe2\x80\x94 Ordering through the Customer Center is a faster way to\nreceive your Club Rewards goods or services.\nGeneral Program Terms\n51. If you do not want to participate in the Program, please call the Customer\nCenter.\n52. Certain Corporate Card Accounts are not eligible to participate in the\nProgram. If you have a Corporate Card, you must contact your program\nadministrator to see if you are eligible to be enrolled in Program, and if you\n18\n\n\x0care, you may be billed an annual Club Rewards fee.\n53. We reserve the right to revoke your participation in the Program at any\ntime.\n54. All dollar references in these terms and conditions are to U.S. dollars.\n55. All fees, charges and Point-conversion rates and the current Terms and\nConditions of the Program are disclosed on the website\n(www.clubrewardsus.com) and are subject to change from time to time\nwithout notice.\n56. Should events beyond our control, such as, but not limited to, computer\nequipment or electronic data transmission failure, breach of security, strikes,\nacts of God, civil disturbance, terrorism or war, materially affect our\nsuppliers or otherwise affect the ability to offer Program services, the\nProgram may be suspended or terminated.\nProgram Changes and Termination\n57. We reserve the sole right to do each of the following without prior notice:\n(a) change any of the terms or conditions of the Program; (b) change the\npricing or Point conversions in respect of any reward; and (c) cancel, change or\nsubstitute items available through the Program. We will not provide you with\nany cash or credit allowance as a result of any such changes.\n58. We reserve the right to terminate the Club Rewards Program upon 6\nmonths\xe2\x80\x99 notice at any time.\nDisclaimers\n59. Administrative Point management, redemption and reward fulfillment\nservices are provided by TSYS Loyalty, which assumes all responsibility and\nliability for the provision of such services. TSYS Loyalty operates as an\nindependent contractor and is not affiliated with us or Diners Club International\nLtd. Neither we nor TSYS Loyalty shall be liable for (i) any lost, stolen, or\ndamaged correspondence, documents or tickets; and (ii) any bodily harm,\n19\n\n\x0cproperty damage or loss that may result from participation in the Program or a\nservice provider\xe2\x80\x99s lack of provision or failure to provide services, for any\nreason.\n60. Every effort has been made to ensure that the information in the Catalogue\nand in any mail that you receive is accurate. We are not responsible for any\nmisprints, errors or omissions.\n61. All services, merchandise and travel rewards are supplied by third-party\nvendors who are solely responsible for the services and merchandise supplied.\nBy redeeming your Points, you release us and our parents, subsidiaries and\naffiliates from any and all liability arising as a result of, or with respect to your\nredemption or use of your Points as well as in respect of any product, service\nor reward for which your Points were redeemed.\n62. We are not affiliated with, nor do we sponsor, any vendors or suppliers\nwho are participating in the Program.\nRewards\n63. Some items may require assembly.\n64. The number of Points required for a reward that is denominated in a\ncurrency other than the U.S. dollar may be subject to change as foreign\nexchange rates fluctuate.\n65. All Program rewards are subject to availability. We reserve the right to\ndiscontinue rewards or make substitutions of rewards of equal or greater\nvalue, in each case, without advance notice. If a suitable substitution is not\navailable, we will credit your Account for any Points that were deducted with\nrespect to the unavailable reward. Program rewards are void where\nprohibited by law.\n66. We reserve the right to refuse to process any Personalized Reward request.\n\n20\n\n\x0c67. Every reward in the Catalogue is shown with a Point value, which includes\nall applicable sales taxes, as well as any shipping and handling charges within\nthe U.S. Federal or state income tax, liability and any other federal, state or\nlocal taxes or fees, including environmental fees, are your responsibility.\n\n\xc2\xae Diners Club, Carte Blanche, Diners Club International with Split Circle Device,\nand Club Rewards are trademarks and service marks of Diners Club\nInternational Ltd.\nBank of Montreal and BMO Harris Bank N.A. are authorized users of the marks.\n\n21\n\n\x0c'