b'BMO Harris\nCredit Cards\n\nBMO Harris\nPremium Credit Cards\n\nGuide to Benefits\n\nBMO Harris Bank Premium Rewards Mastercard\xc2\xae\nBMO Harris Premier Services Premium Rewards Mastercard\xc2\xae\nImportant information. Please read and save.\n\nGuide to Benefits\n\n2\n\n\x0c3\n\nBMO Harris Premium Credit Cards\n\n\x0cImportant information. Please read and save.\nThis Guide to Benefits contains detailed information about\ninsurance and retail protection services you can access as a\npreferred cardholder. This Guide supersedes any guide or\nprogram description you may have received earlier.\nTo file a claim or for more information on any of these services,\ncall the Mastercard Assistance Center at 1-800-Mastercard:\n1-800-627-8372, or en Espa\xc3\xb1ol: 1-800-633-4466.\n\xe2\x80\x9cCard\xe2\x80\x9d refers to World Mastercard\xc2\xae card and \xe2\x80\x9cCardholder\xe2\x80\x9d\nrefers to a Mastercard\xc2\xae cardholder.\nKey Terms\nThroughout this document, You and Your refer to the cardholder or authorized\nuser of the covered card. We, Us, and Our refer to New Hampshire Insurance\nCompany, an AIG company. Other words and phrases that appear in bold\nhave special meaning.\nAdministrator means Sedgwick Claims Management Services, Inc.\nYou may contact the administrator if you have questions regarding this\ncoverage or would like to make a claim. The administrator can be reached\nby phone at 1-800-Mastercard.\nAssistance Center means the designated assistance teams trained to\nprovide customer services and coordination of qualified local providers to\ntravelers in real time.\nAuthorized driver(s) means a driver with a valid driver\xe2\x80\x99s license issued\nfrom their state of residence and indicated on the rental agreement.\nAuthorized user means an individual who is authorized to make purchases\non the covered card by the cardholder and is recorded by the participating\norganization on its records as being an authorized user.\nCardholder means the person who has been issued an account by the\nparticipating organization for the covered card.\nCarry-on luggage means suitcases or other containers specifically\ndesignated for carrying personal property, which are carried on board a\ncommon carrier by you.\nChecked luggage means suitcases or other containers specifically\ndesignated for carrying personal property, for which a claim check has\nbeen issued to you by a common carrier.\nCommon carrier means an air, land, or water motorized transportation carrier\noperating under a regularly published schedule and current license as required\nby law for the conveyance of passengers. Common carrier does not include\nhelicopters, taxis rental cars, hired cars, and private and contract carriers.\nCovered card means the active and valid World Mastercard-branded payment card.\nDamage means items that can no longer perform the function they\nwere intended to do in normal service due to broken parts, material\nor structural failures.\nEligible cellular wireless telephones means the cellular telephones associated\nwith the primary line and additional statement from a cellular provider for the\nbilling cycle preceding the month in which the theft or damage occurred.\nEligible person means a cardholder who charges his or her monthly bill\nfor an eligible cellular wireless telephone to his or her covered card.\n\nGuide to Benefits\n\n1\n\n\x0cNo person or entity other than the eligible person(s) described shall have\nany legal or equitable right, remedy or claim for the insurance proceeds\narising out of this coverage.\nEvidence of Coverage (EOC) means the summary of benefits set forth\nbelow which describe the terms, conditions, limitations and exclusions of\nthe coverage provided to you at no additional charge under the group policy.\nRepresentations or promises made by anyone that are not contained in the\ngroup policy are not part of your coverage. In the event the EOC, Key Terms,\nor Legal Disclosures of this Guide to Benefits conflict with the provisions of\nthe group policy, the terms of the group policy govern your coverage.\nFamily Member means the spouse or domestic partner of you. It includes\nunmarried children of you under nineteen (19) years of age. It also includes\nunmarried children under twenty-six (26) years of age if a full-time student\nat an accredited college or university.\nGroup policy means the cellular protection insurance policy entered between\nNew Hampshire Insurance Company, an AIG company, and Mastercard\nInsurance Master Trust, which is the subject of this Guide to Benefits.\nInjury means bodily injury caused by an accident that occurs while you are\ncovered under this program, and results directly and independently of all\nother causes of loss. The injury must be verified by a physician.\nLost means luggage (including personal property contained within) that is\nmissing for 10 consecutive days and whose whereabouts are unknown to\nyou or the common carrier.\nMysteriously disappear means the vanishing of an item in an unexplained manner\nwhere there is absence of evidence of a wrongful act by a person or persons.\nRental agreement means the entire agreement or contract that you\nreceive when renting a vehicle from a vehicle rental agency that describes\nin full all of the terms and conditions of the rental, as well as the\nresponsibility of all parties under the rental agreement.\nStolen means items that are taken by force and/or under duress or the\ndisappearance of the item from a known place under circumstances that\nwould indicate the probability of theft.\nUnited States Dollars (USD) means the currency of the United States\nof America.\nVehicle means a land motor vehicle with four wheels that is designed\nfor use on public roads and intended for use on a bound surface such as\nconcrete and tarmac. This includes minivans and sport utility vehicles that\nare designed to accommodate less than nine (9) passengers.\n\nMasterRental\n\nVarious provisions in this document restrict coverage. Read carefully to\ndetermine all rights and duties and what is and is not covered. Please see the\n\xe2\x80\x98Key Terms\xe2\x80\x99 section for the terms used throughout this benefit.\nEvidence of Coverage\nThis EOC replaces all prior disclosures, program descriptions, advertising, and\nbrochures by any other party. We reserve the right to change the benefits and\nfeatures of these programs at any time. Notice will be provided for any changes.\n\n2\n\nBMO Harris Premium Credit Cards\n\n\x0cPursuant to the below terms and conditions herein, when you rent a\nvehicle for thirty-one (31) consecutive days or less with your covered\ncard, you are eligible for benefits hereunder.\nA. To get coverage:\n\xe2\x80\xa2 \x07You must initiate and then pay for the entire rental agreement (tax,\ngasoline, and airport fees are not considered rental charges) with your\ncovered card and/or the accumulated points from your covered card at\nthe time the vehicle is returned. If a rental company promotion/discount\nof any kind is initially applied toward payment of the rental vehicle, at\nleast one (1) full day of rental must be billed to your covered card.\n\xe2\x80\xa2 \x07You must decline the optional collision/damage waiver (or similar\ncoverage) offered by the rental company.\n\xe2\x80\xa2 \x07You must rent the vehicle in your own name and sign the rental agreement.\n\xe2\x80\xa2 \x07Your rental agreement must be for a rental period of no more than\nthirty-one (31) consecutive days. Rental periods that exceed or are\nintended to exceed thirty-one (31) consecutive days are not covered.\nB. The kind of coverage you receive:\nWe will pay for the following on a secondary basis:\n\xe2\x80\xa2 \x07Physical damage and theft of the vehicle, not to exceed the limits\noutlined below.\n\xe2\x80\xa2 \x07Reasonable loss of use charges imposed by the vehicle rental company for\nthe period of time the rental vehicle is out of service. Loss of use charges\nmust be substantiated by a location and class specific fleet utilization log.\n\xe2\x80\xa2 \x07Towing charges to the nearest collision repair facility.\nThis coverage is not all-inclusive, which means it does not cover such\nthings as personal injury, personal liability, or personal property. It does\nnot cover you for any damages to other vehicles or property. It does not\ncover you for any injury to any party.\nC. Coordination of Benefits:\nWhen coverage hereunder is provided on a secondary basis and a\ncovered loss has occurred, the order in which benefits are determined\nshall be made as follows:\n1. You or an authorized driver\xe2\x80\x99s primary auto insurance;\n2. Collision/damage waiver provided to you by the rental agency;\n3. Any other collectible insurance;\n4. The coverage provided under this EOC.\nIf you or an authorized driver\xe2\x80\x99s primary auto insurance or other coverage\nhas made payments for a covered loss, we will cover your deductible and\nany other eligible amounts, described under the kind of coverage you\nreceive, not covered by the other insurance.\nNote: In certain parts of the United States and Canada losses to rental\nvehicles that are covered by your personal vehicle liability insurance policy\nmay not be subject to a deductible, which means that you may not be\neligible to receive any coverage under this program. Contact your insurance\nprovider for full coverage details pertaining to your personal vehicle\nliability insurance policy (or similar coverage).\nIf you do not have other insurance or your insurance policy does not cover\nyou in territories or countries outside of the United States, coverage is\nconsidered primary coverage subject to any applicable economic and trade\nsanctions conditions.\nGuide to Benefits\n\n3\n\n\x0cD. Who is covered:\nThe covered card cardholder and those designated in the rental\nagreement as authorized drivers.\nE. Excluded Vehicles:\nThis coverage does not apply to any:\n\xe2\x80\xa2 Vehicles not required to be licensed.\n\xe2\x80\xa2 \x07All full-size vans mounted on truck chassis (including, but not limited\nto, Ford EconoVan), cargo vans, campers, off-road vehicles, and other\nrecreational vehicles.\n\xe2\x80\xa2 \x07Trailers, motorbikes, motorcycles, and any other vehicle having fewer\nthan four (4) wheels.\n\xe2\x80\xa2 \x07Antique vehicles (vehicles that are more than twenty (20) years old or\nhave not been manufactured for at least ten (\x0710) years), or limousines.\nF. Where you are covered:\nCoverage is available worldwide; provided coverage is not available in\ncountries where:\n\xe2\x80\xa2 This EOC or the group policy is prohibited by that country\xe2\x80\x99s law; or\n\xe2\x80\xa2 \x07The terms of the EOC or the group policy are in conflict with the laws\nof that country.\nIn addition, we shall not be deemed to provide coverage and we shall\nnot be liable to pay any claim or provide any benefit under the group\npolicy to the extent that the provision of such coverage, payment of such\nclaim or provision of such benefit would expose us, our parent company\nor its ultimate controlling entity to any sanction, prohibition or restriction\nunder United Nations resolutions or the trade or economic sanctions, laws\nor regulations of the European Union or the United States of America.\nWherever coverage provided by this policy would be in violation of any\neconomic or trade sanctions, such coverage shall be null and void.\nG. Coverage limitations:\nWe will pay the lesser of the following:\n\xe2\x80\xa2 \x07Reasonable and customary charges of repair or the actual repair amount;\n\xe2\x80\xa2 \x07Wholesale market value less salvage and depreciation;\n\xe2\x80\xa2 \x07The rental agencies purchase invoice less salvage and depreciation;\n\xe2\x80\xa2 \x07The contractual liability assumed by you or an authorized driver of the\nrental vehicle; or\n\xe2\x80\xa2 \x07The actual cash value.\nIn addition, coverage is limited to $500 per incident for the reasonable loss\nof use charges imposed by the vehicle rental company for the period of\ntime the rental vehicle is out of service. We will not pay for or duplicate\nthe collision/damage waiver coverage offered by the rental agency.\nH. What is NOT covered:\nThis coverage does not apply to:\n\xe2\x80\xa2 \x07Any personal item actually or allegedly stolen from the interior or\nexterior of rental vehicles.\n\xe2\x80\xa2 \x07Vehicle keys or portable Global Positioning Systems (GPS).\n\xe2\x80\xa2 \x07Vehicles not rented by the cardholder or authorized user on the covered card.\n\xe2\x80\xa2 \x07Any person not designated in the rental agreement as an authorized driver.\n\xe2\x80\xa2 \x07Any obligations you assume other than what is specifically covered under\nthe rental agreement or your personal vehicle liability insurance policy or\nother indemnity policy.\n4\n\nBMO Harris Premium Credit Cards\n\n\x0c\xe2\x80\xa2 \x07Any actual or alleged violation of the written terms and conditions of the\nrental agreement.\n\xe2\x80\xa2 \x07Any actual or alleged loss that occurs while driving under the influence\nof drugs or alcohol.\n\xe2\x80\xa2 \x07Any actual or alleged loss associated with racing or reckless driving.\n\xe2\x80\xa2 \x07Any actual or alleged losses involving the theft of the rental vehicle\nwhen you or an authorized driver cannot produce the keys to the rental\nvehicle at the time of reporting the incident to the police and/or rental\nagency, as a result of negligence. Loss of keys is considered negligence.\n\xe2\x80\xa2 \x07Mechanical failures caused by wear and tear, gradual deterioration, or\nmechanical breakdown.\n\xe2\x80\xa2 \x07Subsequent damages resulting from a failure to protect the rental vehicle\nfrom further damage.\n\xe2\x80\xa2 \x07Blowouts or tire/rim damage unless caused by theft, vandalism or\nvehicle collision.\n\xe2\x80\xa2 \x07Rental vehicles where collision/damage waiver coverage (or similar\ncoverage) was accepted/purchased by you.\n\xe2\x80\xa2 \x07Any damage that is of an intentional or non-accidental nature, caused by\nyou or an authorized driver of the rental vehicle.\n\xe2\x80\xa2 \x07Depreciation, diminishment of value, administrative, storage, or other\nfees charged by the vehicle rental company.\n\xe2\x80\xa2 \x07Vehicles with a rental agreement that exceeds or is intended to exceed a\nrental period of thirty-one (31) consecutive days from a rental agency.\n\xe2\x80\xa2 \x07Losses resulting from any kind of alleged or actual illegal activity.\n\xe2\x80\xa2 \x07Damage sustained on any road not regularly maintained by a municipal,\nstate, or federal entity.\n\xe2\x80\xa2 \x07Losses as a result of war or hostilities of any kind (including, but\nnot limited to, any actual or alleged invasion, terrorism, rebellion,\ninsurrection, riot, or civil commotion); confiscation or damage by any\ngovernment, public authority, or customs official; risks of contraband;\nillegal activity or acts.\n\xe2\x80\xa2 \x07Any loss involving the rental vehicle being used for hire, for commercial\nuse, or as a public or livery conveyance.\n\xe2\x80\xa2 \x07Theft of, or damage to, unlocked or unsecured vehicles.\n\xe2\x80\xa2 \x07Value-added tax, or similar tax, unless reimbursement of such tax is\nrequired by law.\n\xe2\x80\xa2 \x07Vehicles rented on a monthly basis.\n\xe2\x80\xa2 \x07Loss arising from any items not installed by the original manufacturer.\n\xe2\x80\xa2 \x07Loss arising from any inherent damage.\n\xe2\x80\xa2 \x07Damage to windshields which is not the result of a collision or\nroll-over (damage to a windshield is covered if such damage is due\nto road debris or road hazard).\n\xe2\x80\xa2 \x07Vehicle leases or mini-leases.\n\xe2\x80\xa2 \x07Indirect or direct damages resulting from a covered claim.\n\xe2\x80\xa2 \x07Charges for gasoline or airport fees.\nI. How to file a claim:\n\xe2\x80\xa2 \x07Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a\nclaim. You must report the claim within sixty (60) days of the loss or the\nclaim may not be honored.\n\nGuide to Benefits\n\n5\n\n\x0c\xe2\x80\xa2 \x07You may choose to assign your benefits under this insurance program to\nthe rental agency from which you rented your vehicle. Please contact us\nor our administrator for further details.\n\xe2\x80\xa2 \x07You must submit the following proof of claim documentation\nwithin one hundred and eighty (180) days of the incident or the\nclaim will not be covered:\n- Receipt showing the vehicle rental charge.\n- Statement showing the vehicle rental charge.\n- The rental agreement (front and back).\n- Copy of your valid driver\xe2\x80\x99s license (front and back).\n- Copy of the declarations page of any personal vehicle liability\ninsurance policy and/or other valid insurance or coverage.\n- Police report when the vehicle is stolen, vandalized (regardless of the\ndamage), or involved in a collision that requires the vehicle; to be\ntowed, in a multi-vehicle collision, or the vehicle is not drivable.\n- Itemized repair estimate from a factory registered collision repair facility.\n- Copy of any vehicle rental company promotion/discount, if applicable.\n- Copy of the vehicle rental location class specific fleet utilization log,\nif loss of use charges are being claimed. You must secure this log\nfrom the rental agency.\n- Any other documentation that may be reasonably requested by us or\nour administrator to validate a claim.\n\nLost or Damaged Luggage\nEvidence of Coverage\nRefer to Key Terms for the definitions of you, your, we, us, our, and words\nthat appear in bold and Legal Disclosures.\nA. To get coverage:\nYou must pay the entire cost of the common carrier ticket(s) with your\ncovered card and/or accumulated points from your covered card.\nB. The kind of coverage you receive:\n\xe2\x80\xa2 \x07Reimbursement for the actual cost of repairing or replacing your checked\nor carry-on luggage and personal property contained therein that is lost\nor damaged.\n\xe2\x80\xa2 \x07Coverage begins when the luggage is checked in or carried on to the\ncommon carrier by you. This includes curbside check in with facilitydesignated personnel.\n\xe2\x80\xa2 \x07Coverage ends each time you regain possession of the checked luggage\nfrom, or carry the luggage off of the common carrier or twenty-four (24)\nhours after you depart from the common carrier, whichever comes first.\n\xe2\x80\xa2 \x07Coverage is secondary to any other applicable insurance or coverage\navailable to you including benefits provided by the common carrier\n(including, but not limited to, goodwill payments, refunds, credit/\nvouchers). Coverage is limited to only those amounts not covered by any\nother insurance or coverage, or common carrier benefits (including, but\nnot limited to, goodwill payments, refunds, credit/vouchers).\nC. Coverage limitations:\nCoverage is limited to the actual cost, up to $1,500 per incident of\nrepairing or replacing your checked and/or carry-on luggage and any\n6\n\nBMO Harris Premium Credit Cards\n\n\x0cpersonal property contained within. There is a maximum of two (2)\nclaim(s) per twelve (12) month period.\nD. Where you are covered:\nCoverage applies worldwide.\nE. What is NOT covered:\n\xe2\x80\xa2 \x07Loss or damage of luggage or personal property for regularly scheduled\nshort-distance travel under one hundred (100) miles.\n\xe2\x80\xa2 \x07Loss or damage resulting from any dishonest, fraudulent, or criminal act\ncommitted or arranged by you.\n\xe2\x80\xa2 \x07Loss resulting from war or hostilities of any kind (including, but not\nlimited to, invasion, terrorism, rebellion, insurrection, riot, or civil\ncommotion); confiscation, expropriation or detention by any government,\npublic authority, or customs official; illegal activity or acts.\n\xe2\x80\xa2 \x07Loss resulting from contamination by radioactive or hazardous substances,\nincluding mold.\n\xe2\x80\xa2 \x07Sporting equipment or musical instruments, unless checked in as luggage\nwith the common carrier and for which a claim check has been issued.\n\xe2\x80\xa2 \x07Electronic equipment (including, but not limited to, laptops, PDAs, video/\nfilm cameras, or hearing aids).\n\xe2\x80\xa2 \x07Eyeglasses, contact lenses, prosthetic devices, dentures, silverware, furs,\nhousehold furniture, or documents (including, but not limited to, visas and IDs).\n\xe2\x80\xa2 \x07Plants, shrubs, animals, consumables, and perishables.\n\xe2\x80\xa2 \x07Traveler\xe2\x80\x99s checks, tickets of any kind (e.g., for airlines, sporting events,\nconcerts, or lottery), negotiable instruments, bullion, rare or precious\nmetals, stamps, and coins, currency or its equivalent.\n\xe2\x80\xa2 \x07Jewelry, art, used or antique items; collectibles of any kind (such as items\ndesigned for people to collect or items that over time become collectibles);\nrecycled, previously owned, refurbished, rebuilt, or remanufactured items.\n\xe2\x80\xa2 \x07Defective material or workmanship, ordinary wear and tear or normal\ndeterioration.\n\xe2\x80\xa2 \x07Loss or damage not reported within the time period required, as\nstipulated in the claim procedure.\n\xe2\x80\xa2 \x07Loss or damage where the common carrier completely denies a claim\nfor checked and/or carry-on luggage.\n\xe2\x80\xa2 \x07Items excluded under the common carrier\xe2\x80\x99s coverage\n(except carry-on luggage).\n\xe2\x80\xa2 \x07Loss or damage where the common carrier pays the claim in full or\nrepairs the damage.\n\xe2\x80\xa2 \x07Interest or conversion fees that are charged to your covered card by\nthe financial institution.\nF. How to file a claim:\n\xe2\x80\xa2 \x07Visit www.mycardbenefits.com or call 1-800-Mastercard to open a\nclaim. You must report the claim within sixty (60) days of the incident or\nthe claim may not be honored.\n\xe2\x80\xa2 \x07Report within twenty-four (24) hours any loss or damage to the\ncommon carrier.\n\xe2\x80\xa2 \x07Submit the following documentation within one hundred and eighty\n(180) days of the date of incident or the claim may not be honored:\nGuide to Benefits\n\n7\n\n\x0c-\n\nReceipt showing the purchase of common carrier tickets.\nStatement showing the purchase of common carrier tickets.\nCopy of initial claim report submitted to the common carrier.\nCovered card travel point program statement showing the common\ncarrier ticket was paid for with redeemed points.\nReport from police, if applicable.\nThe result of any settlement by the common carrier.\nReceipts showing that your luggage or personal property has actually\nbeen repaired or replaced.\nAny other documentation that may be reasonably requested by us or\nour administrator to validate a claim.\n\nPurchase Assurance\nVarious provisions in this document restrict coverage. Read carefully to\ndetermine all rights and duties and what is and is not covered. Please see the\n\xe2\x80\x98Key Terms\xe2\x80\x99 section for the terms used throughout this benefit.\nEvidence of Coverage\nPursuant to the below terms and conditions, when an item you bought\nwith your covered card is damaged or stolen within ninety (90) days of\npurchase, you may be eligible for benefits under this coverage.\nA. To get coverage:\nYou must purchase the new item entirely with your covered card and/or\naccumulated points from your covered card for yourself or to give as a gift.\nB. The kind of coverage you receive:\n\xe2\x80\xa2 \x07Most items you purchase entirely with your covered card are covered\nif damaged or stolen for ninety (90) days from the date of purchase as\nindicated on your covered card\xe2\x80\x99s receipt.\n\xe2\x80\xa2 \x07Items you purchase with your covered card and give as gifts also are covered.\n\xe2\x80\xa2 \x07This coverage is secondary to any other applicable insurance or coverage\navailable to you or the gift recipient. Coverage is limited to only those\namounts not covered by any other insurance or coverage benefit.\nC. Coverage limitations:\n\xe2\x80\xa2 \x07Coverage is limited to the lesser of the following:\n- The actual cost of the item (excluding delivery and transportation costs).\n- \x07A maximum of $1,000 per loss and a total of $25,000 per cardholder\naccount per twelve (12) month period.\n\xe2\x80\xa2 \x07Purchases that are made up of a pair or set will be limited to the cost\nof repair or replacement of the specific item stolen or damaged. If the\nspecific item cannot be replaced individually or repaired, the value of the\npair or set will be covered not to exceed the limits above.\n\xe2\x80\xa2 \x07Coverage for actual or alleged stolen or damaged jewelry or fine art\nwill be limited to the actual purchase price as listed on your cardholder\nstatement, regardless of sentimental or appreciated market value.\n\xe2\x80\xa2 \x07We shall not be deemed to provide coverage and we shall not be liable\nto pay any claim or provide any benefit under the group policy to the\nextent that the provision of such coverage, payment of such claim or\nprovision of such benefit would expose us, our parent company or its\nultimate controlling entity to any sanction, prohibition or restriction under\nUnited Nations resolutions or the trade or economic sanctions, laws\n8\n\nBMO Harris Premium Credit Cards\n\n\x0cor regulations of the European Union or the United States of America.\nWherever coverage provided by this policy would be in violation of any\neconomic or trade sanctions, such coverage shall be null and void.\nD. What is NOT covered:\nThis coverage does not apply to:\n\xe2\x80\xa2 \x07Items left in public sight, out of arm\xe2\x80\x99s reach, lacking care, custody or\ncontrol by the cardholder.\n\xe2\x80\xa2 \x07Lost items, and items that mysteriously disappear (the only proof\nof loss is unexplained or there is no physical evidence to show what\nhappened to the item) without any evidence of a wrongful act.\n\xe2\x80\xa2 \x07Items that are actually or allegedly stolen from any location or place\n(including, but not limited to, exercise facilities, places of employment, schools,\nor places of worship) due to the lack of due diligence by you or another party.\n\xe2\x80\xa2 \x07Items lost, stolen, damaged, or mis-delivered while under the care, custody,\nand control of another party or common carrier (including, but not limited\nto, airlines, the U.S. Postal Service, UPS, FedEx, or other delivery services).\n\xe2\x80\xa2 \x07Losses due to normal wear and tear, misuse, gradual deterioration, and/\nor abuse.\n\xe2\x80\xa2 \x07Losses resulting from any dishonest, fraudulent, or criminal act\ncommitted or arranged by you.\n\xe2\x80\xa2 \x07Losses that cannot be verified or substantiated.\n\xe2\x80\xa2 \x07Items covered by a manufacturer\xe2\x80\x99s recall or class action suit.\n\xe2\x80\xa2 \x07Items that you damage through alteration (including, but not limited to,\ncutting, sawing, shaping).\n\xe2\x80\xa2 \x07Used or antique items; collectibles of any kind (such as items designed\nfor people to collect or items that over time become collectibles);\nrecycled, previously owned, refurbished, rebuilt, or remanufactured items.\n\xe2\x80\xa2 \x07Stolen items without a documented report from law enforcement.\n\xe2\x80\xa2 \x07Items that are damaged during transport via any mode.\n\xe2\x80\xa2 \x07Items stolen from the interior or exterior of a watercraft/boat, aircraft,\nmotorcycle, automobile or any other motor vehicles.\n\xe2\x80\xa2 \x07Motorized vehicles, including, but not limited to, automobiles, watercraft/\nboats, aircraft, and motorcycles, or their motors, equipment, or accessories.\nMotorized equipment not designed for transportation and used solely for the\nupkeep and maintenance of a residence is eligible for coverage (including,\nbut not limited to, snow thrower, lawn mowers, and hedge trimmers).\n\xe2\x80\xa2 \x07Land, any buildings (including, but not limited to, homes and dwellings),\npermanently installed items, fixtures, or structures.\n\xe2\x80\xa2 \x07Traveler\xe2\x80\x99s checks, tickets of any kind (e.g., for airlines, sporting events,\nconcerts, or lottery), negotiable instruments, bullion, rare or precious\nmetals, stamps, and coins, currency or its equivalent.\n\xe2\x80\xa2 \x07Losses caused by insects, animals, or pets.\n\xe2\x80\xa2 \x07Plants, shrubs, animals, pets, consumables, and perishables.\n\xe2\x80\xa2 \x07Items purchased for resale, rental, professional, or commercial use.\n\xe2\x80\xa2 \x07Professional services (including, but not limited to, the performance or\nrendering of labor or maintenance; repair or installation of products, goods,\nor property; professional advice of any kind, including, but not limited to,\ninformation/services or advice secured from any help or support line; or\ntechnical support for software, hardware, or any other peripherals).\n\xe2\x80\xa2 \x07Application programs, computer programs, operating software,\nand other software.\nGuide to Benefits\n\n9\n\n\x0c\xe2\x80\xa2 \x07Losses resulting from war or hostilities of any kind (including, but\nnot limited to, invasion, terrorism, rebellion, insurrection, riot, or\ncivil commotion); confiscation or damage by any government, public\nauthority, or customs official; risks of contraband; illegal activity or acts.\n\xe2\x80\xa2 \x07Losses caused by power surge, contamination by radioactive or hazardous\nsubstances, including mold.\n\xe2\x80\xa2 \x07Direct or indirect loss resulting from any Acts of God (including, but not\nlimited to, flood, hurricane, lightning, and earthquake).\n\xe2\x80\xa2 \x07Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.\n\xe2\x80\xa2 \x07Game animals, pets, or specimens preserved for display (e.g., fish, birds,\nreptiles, or mammals).\n\xe2\x80\xa2 \x07Items actually or allegedly stolen or damaged at a new home\nconstruction site.\n\xe2\x80\xa2 \x07Rented, leased, or borrowed items for which you will be held responsible.\n\xe2\x80\xa2 \x07Trip, service, or diagnostic charges in the absence of any covered repairs\nor verified failure.\n\xe2\x80\xa2 \x07Any shipping charges, transportation and delivery charges, or promised\ntime frames for delivery, whether or not stated or covered by the\nmanufacturer\xe2\x80\x99s warranty.\n\xe2\x80\xa2 \x07Interest or conversion fees that are charged to you on the covered card\nby the corresponding financial institution.\nE. How to file a claim:\n\xe2\x80\xa2 \x07Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate a\nclaim. You must report the claim within sixty (60) days of the loss or the\nclaim may not be honored.\n\xe2\x80\xa2 \x07You must submit the following documentation within one hundred and\neighty (180) days of the date you report the claim:\n- Repair estimate for damaged item(s).\n- \x07Photograph clearly showing damage, if applicable.\n- \x07Receipt showing purchase of covered item(s).\n- \x07Statement showing purchase of covered item(s).\n- \x07Report from police listing any items stolen.\n- \x07Copy of the declarations page of any applicable insurance policy(ies) or\nprotection (including, but not limited to, homeowner\xe2\x80\x99s, renter\xe2\x80\x99s, or auto\ninsurance policy(ies)).\n- \x07Any other documentation that may be reasonably requested by us or\nour administrator to validate a claim.\nLegal Disclosure\nPlease see the \xe2\x80\x98Legal Disclosure\xe2\x80\x99 section for all disclosures for this benefit.\n\nExtended Warranty\nEvidence of Coverage\nRefer to Key Terms for the definitions of you, your, we, us, our, and words\nthat appear in bold and Legal Disclosures.\nA. To get coverage:\n\xe2\x80\xa2 \x07You must purchase the new item entirely with your covered card and/or\naccumulated points from your covered card for yourself or to give as a gift.\n\xe2\x80\xa2 \x07The item must have an original manufacturer\xe2\x80\x99s (or U.S. store brand)\nwarranty of twenty-four (24) months or less.\n\n10\n\nBMO Harris Premium Credit Cards\n\n\x0cB. The kind of coverage you receive:\n\xe2\x80\xa2 \x07Extended warranty doubles the original manufacturer\xe2\x80\x99s warranty up to\na maximum of twenty-four (24) months on most items you purchase.\nFor products with multiple warranty components, each warranty time\nperiod will be extended up to a maximum of twenty-four (24) months.\nAn example of a product with multiple warranty components includes an\nappliance with original manufacturer\xe2\x80\x99s (or U.S. store brand) warranties\nthat differ for parts, labor, compressor, etc.\n\xe2\x80\xa2 \x07If you purchase a service contract or an optional extended warranty of\ntwenty-four (24) months or less on your item, we will cover up to an\nadditional twenty-four (24) months after both the original manufacturer\xe2\x80\x99s (or\nU.S. store brand) warranty and the purchased service contract or extended\nwarranty coverage period end. If your service contract or extended warranty\nexceeds twenty-four (24) months, this coverage does not apply.\n\xe2\x80\xa2 \x07If you do not have an additional service contract or an optional extended\nwarranty, this extended warranty benefit commences the day after your\noriginal manufacturer\xe2\x80\x99s (or U.S. store brand) warranty expires.\nC. Coverage limitations:\n\xe2\x80\xa2 \x07The maximum benefit for repair or replacement shall not exceed the actual\namount charged on your covered card or $10,000, whichever is less.\n\xe2\x80\xa2 \x07If either the original manufacturer\xe2\x80\x99s (or U.S. store brand) warranty or the\nservice contract covers more than twenty-four (24) months, this benefit\nwill not apply.\n\xe2\x80\xa2 \x07We or our administrator will decide if a covered failure will be repaired or\nreplaced, or whether you will be reimbursed up to the amount paid for the\nitem. Items will be replaced with those of like kind and quality. However,\nwe cannot guarantee to match exact color, material, brand, size, or model.\nD. What is NOT covered:\n\xe2\x80\xa2 \x07Used or antique items; collectibles of any kind (such as items designed\nfor people to collect or items that over time become collectibles) that do\nnot come with a manufacturer\xe2\x80\x99s warranty (repair or replacement amount\nwill not include market value at time of claim); recycled, previously\nowned, refurbished, rebuilt, or remanufactured items; product guarantees\n(e.g., glass breakage).\n\xe2\x80\xa2 \x07Floor models that do not come with an original manufacturer\xe2\x80\x99s warranty.\n\xe2\x80\xa2 \x07Motorized vehicles, including, but not limited to, automobiles, watercraft/\nboats, aircraft, and motorcycles, or their motors, equipment, or\naccessories. Parts, if purchased separately, may be covered.\n\xe2\x80\xa2 \x07Land, any buildings (including, but not limited to, homes and dwellings),\npermanently installed items, fixtures, or structures.\n\xe2\x80\xa2 \x07Plants, shrubs, animals, pets, consumables, and perishables.\n\xe2\x80\xa2 \x07Professional services (including, but not limited to, the performance or\nrendering of labor or maintenance; repair or installation of products, goods\nor property; professional advice of any kind, including, but not limited to,\ninformation/services or advice secured from any help or support line; or\ntechnical support for software, hardware, or any other peripherals.)\n\xe2\x80\xa2 \x07Application programs, operating software, and other software.\n\xe2\x80\xa2 \x07All types of media with stored data or music (including, but not limited to,\ncomputer software, DVDs, video cassettes, CDs, film and audio cassettes).\n\xe2\x80\xa2 \x07Any shipping charges, transportation and delivery charges, or promised\ntime frames for delivery, whether or not stated or covered by the\nmanufacturer\xe2\x80\x99s warranty.\nGuide to Benefits\n\n11\n\n\x0c\xe2\x80\xa2 \x07Direct or indirect loss resulting from any Acts of God (including, but not\nlimited to, flood, hurricane, lightning, and earthquake).\n\xe2\x80\xa2 \x07Indirect or direct damages resulting from a covered loss.\n\xe2\x80\xa2 \x07Mechanical failure arising from product recalls.\n\xe2\x80\xa2 \x07Trip, service, or diagnostic charges in the absence of any covered repairs\nor verified failure.\n\xe2\x80\xa2 \x07Loss resulting from war or hostilities of any kind (including, but not\nlimited to, invasion, terrorism, rebellion, insurrection, riot, or civil\ncommotion); confiscation or damage by any government, public\nauthority, or customs official; risks of contraband, illegal activity, or acts.\n\xe2\x80\xa2 \x07Mechanical failures caused by normal wear and tear or gradual\ndeterioration where no failure has occurred.\n\xe2\x80\xa2 \x07Items purchased for resale, professional, or commercial use.\n\xe2\x80\xa2 \x07Mechanical failures caused by lack of maintenance/service.\n\xe2\x80\xa2 \x07Losses caused by power surge, contamination by radioactive or hazardous\nsubstances, including mold.\n\xe2\x80\xa2 \x07Physical damage to the item.\n\xe2\x80\xa2 \x07Any exclusion listed in the original manufacturer\xe2\x80\x99s warranty.\nE. How to file a claim:\n\xe2\x80\xa2 \x07Visit www.mycardbenefits.com or call 1-800-Mastercard to open a\nclaim. You must report the claim within sixty (60) days of the failure or\nthe claim may not be honored.\n\xe2\x80\xa2 \x07Submit the following documentation within one hundred and eighty\n(180) days from the date of failure or the claim may not be honored:\n- Receipt showing covered item(s).\n- Statement showing covered item(s).\n- Itemized purchase receipt(s).\n- Original manufacturer\xe2\x80\x99s (or U.S. store brand) warranty.\n- Service contract or optional extended warranty, if applicable.\n- Itemized repair estimate from a factory authorized service provider.\n- \x07Any other documentation that may be reasonably requested by us or\nour administrator to validate a claim.\n\nMastercard ID Theft Protection\xe2\x84\xa2\nProgram Description:\nMastercard ID Theft Protection (IDT) provides you with access to a number\nof identity iheft resolution services, should you believe you are a victim of\nidentity theft. This product offering will alert you about possible identity\ntheft by monitoring the surface, dark and deep web, searching for\ncompromised credentials and potentially damaging use of your registered\npersonal information in order to detect fraud at its inception.\nEligibility:\nAll Mastercard consumer credit cardholders in the US are eligible for\nthis coverage.\nAccess:\nSimply contact 1-800-Mastercard if you believe you have been a victim\nof identity theft.\n\n12\n\nBMO Harris Premium Credit Cards\n\n\x0cServices provided:\nServices provided are on a 24-hour basis, 365 days a year. In order\nto receive the following services, you must enroll at\nhttps://mastercardus.idprotectiononline.com/. The services include:\n\xe2\x80\xa2O\n\x07 nline Monitoring Dashboard (requires activation): The online\nmonitoring dashboard is the primary user interface for cardholders. It\nserves as a repository of all the personally identifiable information (PII)\ndata the cardholder wants to monitor, tracks and displays cardholders\xe2\x80\x99\nrisk score, and provides access to identity protection tips. It is also the\nplatform for cardholders to respond to identity monitoring alerts.\n\xe2\x80\xa2 \x07Monthly Risk Alert/Newsletter: Cardholders will receive a monthly\nnewsletter with information on the cardholder\xe2\x80\x99s risk score, and articles\npertaining to good identity protection practices.\n\xe2\x80\xa2 \x07Identity Monitoring: IDT searches the internet to detect compromised\ncredentials and potentially damaging use of your personal information,\nand alerts you via email so that you can take immediate action. This\nplatform utilizes automated monitoring and human threat intelligence\nfrom cyber operations agents monitoring threat actors and their tactics\non the deep and dark web where personal data is bought and sold.\nData elements that can be monitored are:\n- Email addresses\n- Debit/credit cards/prepaid cards\n- Bank accounts\n- Web logins; username and password\n- Medical insurance cards\n- Drivers\xe2\x80\x99 license\n- Loyalty cards\n- Affinity cards\n- Passport number\n- Vehicle insurance cards\n- Social Security number\nTo take advantage of this service, the cardholder must enter the personal\ninformation they wish to monitor on the dashboard.\n\xe2\x80\xa2 \x07Resolution Services: You will have access to a team of identity theft\nresolution specialists, available 24 hours a day, 365 days a year to help\nresolve your identity theft incident and prevent further damage. The\nresolution specialists are native speakers of English, French and Spanish,\nand are based out of Bethesda, Maryland. Cardholders are given the\noption to sign limited power of attorney (LPOA) to the specialist, to allow\nthem to conduct resolution activities on the cardholders\xe2\x80\x99 behalf, including\ncontacting police, credit agencies, and other authorities, translating\ninformation, and closing and replacing breached accounts.\n\xe2\x80\xa2 \x07Lost Wallet Assistance: Cardholders will be provided assistance with\nnotifying the appropriate issuing authorities to cancel and replace stolen\nor missing items, such as their debit/credit cards, driver\xe2\x80\x99s license, Social\nSecurity card, and passport.\n\xe2\x80\xa2 \x07Single Bureau Credit Monitoring: Cardholders\xe2\x80\x99 TransUnion credit file will\nbe monitored for changes that could indicate fraud such as new credit\ninquiries, an address change or new credit account(s) opened in their\nname. An alert notification via email will be sent anytime a hard inquiry\nis made on the cardholders\xe2\x80\x99 TransUnion credit file so they can take\nimmediate action to minimize damage.\n\nGuide to Benefits\n\n13\n\n\x0cTo take advantage of this service, the cardholder must enter their Social\nSecurity number on the dashboard and pass credit authentication.\n\xe2\x80\xa2 \x07Financial Account Takeover: IDT monitors cardholder\xe2\x80\x99s high-risk transactions\nwith more than 300 of the nation\xe2\x80\x99s largest companies to uncover and\nthwart account takeover attempts. Monitored transactions include:\n- Debit/credit cards/prepaid cards\n- Bank accounts\n- Brokerage accounts\n- Healthcare portals\n- Workplace intranets\n- Other services (e.g., peer-to-peer fund transfers)\n\t\x07To take advantage of this service, the cardholder must enter the accounts\nthey wish to protect on the dashboard.\n\xe2\x80\xa2U\n\x07 RL and Domain Monitoring: URL and domain monitoring allows cardholder\nto enter up to 10 domain or URL names related to cardholder\xe2\x80\x99s business. This\nservice will monitor the domain and URL names for any compromised email\naddresses associated with the domain or URL names and if compromised\nemail addresses are found in a data breach, this service will alert the\nregistered cardholder via email and provide information regarding the\nspecific email address that was breached along with information about the\ndate found and source (provided that this information is available).\nFor more information regarding the services stated above and additional\ninformation, please visit https://mastercardus. idprotectiononline.com/.\nCharges:\nThere is no charge for these services, they are provided by your\nfinancial institution.\nServices not provided:\n\xe2\x80\xa2 \x07When it is determined you have committed any dishonest, criminal,\nmalicious or fraudulent act.\n\xe2\x80\xa2 \x07When your financial institution or card issuer which provides this\nservice, has investigated the event and deemed you are responsible\nfor the charge or event.\n\xe2\x80\xa2 \x07When any theft or unauthorized use of an account by a person to whom\nthe account has been entrusted has been committed.\nProgram Provisions for Mastercard ID Theft Protection:\nThis service applies only to you, the named Mastercard cardholder. You shall\nuse due diligence and do all things reasonable to avoid or diminish any loss\nor damage to property protected by the program. The provider, Generali\nGlobal Assistance, relies on the truth of statement made in the affidavit or\ndeclaration from each cardholder. This service is provided to eligible Mastercard\ncardholders at no additional cost and is in effect for acts occurring while the\nprogram is in effect. The terms and conditions contained in this program Guide\nmay be modified by subsequent endorsements. Modifications to the terms\nand conditions may be provided via additional Guide mailings, statement\ninserts, or statement messages. Mastercard or your financial institution can\ncancel or non-renew these services, and if we do, we will notify you at\nleast thirty (30) days in advance. If the provider non-renews or cancels any\nservices provided to eligible Mastercard cardholders, you will be notified\nwithin 30\xe2\x80\x93120 days before the expiration of the service agreement. In the\nevent substantially similar coverage takes effect without interruption, no\nsuch notice is necessary. For general questions regarding these services,\nplease contact 1-800-Mastercard.\n14\n\nBMO Harris Premium Credit Cards\n\n\x0cTravel Assistance Services\nRely on Travel Assistance Services when you\xe2\x80\x99re away from home.\nTravel Assistance Services is your guide to many important services you\nmay need when traveling. Benefits are designed to assist you or your travel\ncompanions when you\xe2\x80\x99re traveling 50 miles or more from home.* This is\nreassuring, especially when visiting a place for the first time or not speaking\nthe language. For services, call 1-800-Mastercard. Enrollment is automatic\nand the assistance service is free to cardholders. Please keep in mind that\nyou will be responsible for the fees incurred for professional or emergency\nservices requested of Travel Assistance Services (e.g., medical or legal bills).\n* \x07Travel Assistance Services are available worldwide, with the exception of\nthose countries and territories which may be involved in an international\nor internal conflict, or in those countries and territories where the\nexisting infrastructure is deemed inadequate to guarantee service. You\nmay contact us prior to embarking on a covered trip to confirm whether\nor not services are available at your destination(s).\nMasterTrip\xc2\xae Travel Assistance:\nBefore you begin your trip, MasterTrip provides information on travel\nrequirements including documentation (e.g., visas, passports), immunizations or\ncurrency exchange rates. The exchange rate provided may differ from the exact\nrate that issuers use for transactions on your card. Information on exchange\nrates for items billed on your statement should be obtained from the financial\ninstitution that issued your card. MasterTrip will also help you locate any lost\nor stolen travel materials, including luggage. This is not an insurance policy for\nlost/stolen luggage and we do not reimburse you for a permanent loss.\nIf you have a travel emergency and need cash, MasterTrip can arrange to\ntransfer up to $5,000 from a family member, friend, or business account.\nThis service does not provide maps or information regarding road conditions.\nTravel Services Medical Assistance:\nProvides a global referral network of general physicians, dentists, hospitals\nand pharmacies. We can also help you refill prescriptions with local\npharmacists (subject to local laws).\nIn the event of emergencies, a stateside physician or nurse can be contacted\nfor consultation with the local medical staff and to monitor your condition.\nIf you are hospitalized, we can arrange to have messages relayed home,\ntransfer you to another facility if medically necessary, or have a family\nmember or close friend brought to your bedside if you have been traveling\nalone (at cardholder\xe2\x80\x99s expense). If a tragedy occurs, we\xe2\x80\x99ll assist in securing\ntravel arrangements for you and your travel companion(s).\nMasterLegal\xc2\xae Referral Service:\nThis service provides you with English-speaking legal referrals or consults\nwith appropriate embassies and consulates regarding your situation.\nThis service will assist in transfers up to $5,000 in cash from a family member,\nfriend or business to cover legal fees or to post bail. There is no charge for\nreferral services; however, legal and bail fees are your responsibility.\nMaster RoadAssist\xc2\xae Roadside Service:\n(Available only when traveling in the 50 United States and the District\nof Columbia)\nIf your car breaks down on the road, just call 1-800-Mastercard and tell\n\nGuide to Benefits\n\n15\n\n\x0cus where you are. We\xe2\x80\x99ll send someone to the rescue. This is not only\nreassuring, but it may also save you money because fees for many services\n(e.g., jumpstarts, towing, gas delivery, and tire changes) are pre-negotiated.\nRoad service fees will be automatically billed to your Mastercard account.\nYou are responsible for emergency road service charges incurred by towing\nfacilities responding to your dispatch, even if you are not with your vehicle\n(or it\xe2\x80\x99s gone) when the tow truck arrives. Mastercard International is not\nresponsible or liable for the service the towing facility provides. Towing\nfacilities are independent contractors, solely liable for their services.\nEmergency road service is not available in areas not regularly traveled, in\n\xe2\x80\x9coff road\xe2\x80\x9d areas not accessible by ordinary towing vehicles, or for over one-ton\ncapacity trailers, campers or if you have a rental car, be sure to call the rental\ncar agency before you call 1-800-Mastercard, as many rental agencies have\nspecial procedures regarding emergency road service assistance.\n\nMastercard Travel & Lifestyle Services\nAs a World or World Elite Mastercard\xc2\xae cardholder, you have access to\nMastercard\xc2\xae Travel & Lifestyle Services, a suite of benefits, amenities and\nupgrades, preferential treatment and premium travel offers from best-in-class\ntravel companies across hotels, air travel, tours, cruises, car rentals and more*.\nGet the most from all your travels whether you are planning a last-minute\ngetaway or your dream family vacation. As a Mastercard\xc2\xae cardholder, you\nhave access to a lifestyle manager that will help you plan your vacation complimentary, at your convenience, 24 hours a day, 7 days a week. Plus, take\nadvantage of the Mastercard Lowest Hotel Rate Guarantee** and Mastercard\nHotel Stay Guarantee*** which deliver value and peace of mind.\n* \x07Travel & Lifestyle Services are provided by Ten Lifestyle Group plc. No\ntravel bookings are being made by Mastercard, nor is Mastercard acting\nas a travel agency or providing any travel consultation or advice, in\nconnection with Mastercard Travel & Lifestyle Services.\n** \x07Mastercard Lowest Hotel Rate Guarantee: If you book a qualifying \xe2\x80\x98prepaid\nhotel rate\xe2\x80\x99 or \xe2\x80\x98pay at local hotel rate\xe2\x80\x99 hotel stay through the Mastercard\nTravel & Lifestyle Services program either online or through an authorized\nprogram agent using your Mastercard and then find the same hotel room\ntype, in the same hotel, for the same dates, the same number of children\nand adults, at a lower price online, before taxes and fees, we\xe2\x80\x99ll refund you\nthe difference. To receive a refund you must submit a claim as described\nin the terms and conditions prior to your stay and at least seventy-two\n(72) hours before the date of your reservation check-in.\n***\x07\x07Mastercard Hotel Stay Guarantee: The Mastercard Travel & Lifestyle Services\nHotel Stay Guarantee is simple \xe2\x80\x93 if you book your three star or higher\nhotel stay through the Mastercard Travel & Lifestyle Services program and\nyou encounter problems with the hotel, contact Ten Lifestyle Group plc,\nthe designated travel agent for the Mastercard Travel & Lifestyle Services\nprogram at toll free (US) 1-800-336-6420 during your stay and a Ten\nlifestyle manager will attempt to make it right for the remainder of your\nstay by working directly with the hotel to try to resolve your issue or will\nmake efforts to find you comparable accommodations.\nCertain terms, conditions and exclusions apply. Full details are available at\nwww.mastercard.com/world.\n16\n\nBMO Harris Premium Credit Cards\n\n\x0cPriority Pass\xe2\x84\xa2\n\nAs a valued BMO Harris Bank Premium Rewards MasterCard or BMO Harris\nPremier Services Premium Rewards Mastercard cardholder, you are now\neligible for the Airport Lounge Access benefit. This benefit offers you a\ncomplimentary annual membership in Priority Pass - your key to over 1200\nairport VIP lounges worldwide. As an added benefit, cardholders also receive\n2 complimentary visits to participating lounges, which apply against your\nfirst member and/or guest visits. After your first 2 visits, you simply pay\na $32 fee per person per visit which will be billed automatically to your\nBMO Harris Bank Premium Rewards Mastercard or your BMO Harris Premier\nServices Premium Rewards Mastercard when the visit is reported to Priority\nPass. Once enrolled in the program, the primary cardholder will receive\nseparate documentation with additional information about the Priority Pass\nmembership. As a Priority Pass member, you agree to abide by the Priority\nPass Conditions of Use, which can be found in the lounge directory included\nwith your membership credentials or at www.prioritypass.com.\n\nMastercard Airport Concierge\xe2\x84\xa2\nYour passport to the finer side of air travel.\nEnjoy a 15% savings on Airport Meet and Greet services. Arrange for a\npersonal, dedicated Meet and Greet agent to escort you through the airport\non departure, arrival or any connecting flights at over 700 destinations\nworldwide 24 hours a day, 7 days a week, 365 days a year. There are also\ncertain airports where you can be expedited through the security and/or the\nimmigration process. To reserve Mastercard Airport Concierge services visit\nwww.mastercard.com/airportconcierge or consult your travel advisor.\n\nMastercard Global Service\xe2\x84\xa2\nMastercard Global Service provides worldwide, 24-hour assistance\nwith lost and stolen card reporting, emergency card replacement,\nand emergency cash advance.\nCall Mastercard Global Service immediately to report your card lost or\nstolen and to cancel the account. If you need to make purchases or\narrange for a cash advance, with your issuer\xe2\x80\x99s approval, you can receive\na temporary card the next day in the United States, and within two\nbusiness days almost everywhere else.\nRemember, if you report your card lost or stolen, you will not be\nresponsible for any unauthorized transactions on your account.\nIn the United States (including all 50 states, the District of Columbia, the\nU.S. Virgin Islands, and Puerto Rico) and Canada, call 1-800-307-7309.\nWhen out-of-country and in need of assistance, you can easily reach a\nspecially trained Mastercard Global Service Representative who can help\nyou 24 hours a day, 365 days a year, in any language. You can call toll-free\nfrom over 80 countries worldwide. Some of the key toll-free Mastercard\nGlobal Service telephone numbers are:\n\nGuide to Benefits\n\n17\n\n\x0cAustralia\n\n1-800-120-113\n\nMexico\n\n001-800-307-7309\n\nAustria\n\n0800-070-6138\n\nNetherlands\n\n0800-022-5821\n\nFrance\n\n0-800-90-1387\n\nPoland\n\n0-0800-111-1211\n\nGermany\n\n0800-071-3542\n\nPortugal\n\n800-8-11-272\n\nHungary\n\n06800-12517\n\nSpain\n\n900-822-756\n\nIreland\n\n1-800-55-7378\n\nUnited Kingdom\n\n0800-96-4767\n\nItaly\n\n800-870-866\n\nVirgin Islands\n\n1-800-307-7309\n\nFor additional information, or for country-specific, toll-free telephone\nnumbers not listed above, visit our website at www.mastercard.com\nor call the United States collect at 1-636-722-7111.\nAccount Information and Card Benefits:\nWhen in the United States, contact your card issuer directly for account\ninformation and 1-800-Mastercard for card benefits. When traveling outside\nthe U.S., call Mastercard Global Service to access your card issuer for account\ninformation or to access any of your card benefits.\nATM Locations:\nCall 1-877-FINDATM (1-877-346-3286) to find the location of a nearby ATM\nin the Mastercard ATM Network accepting Mastercard\xc2\xae, Maestro\xc2\xae, and Cirrus\xc2\xae\nbrands. Also, visit our website at www.mastercard.com to use our ATM locator.\nYou can get cash at over two million ATMs worldwide. To enable cash access,\nbe sure you know your Personal Identification Number (PIN) before you travel.\n\nCellular Wireless Telephone Protection\n\nPlease see the \xe2\x80\x98Key Terms\xe2\x80\x99 section for the terms used throughout this benefit.\nEvidence of Coverage\nRefer to Key Terms for the definitions of you, your, we, us, our, and words that\nappear in bold. This EOC is subject to the Legal Disclosures set forth below.\nA. To get coverage:\nYou must charge your monthly eligible cellular wireless telephone bill to\nyour covered card. You are eligible for coverage the first day of the calendar\nmonth following the payment of your eligible cellular wireless telephone bill\nto your covered card. If you pay an eligible cellular wireless telephone bill\nwith your covered card and fail to pay a subsequent bill to your covered card\nin a particular month, your coverage period changes as follows:\n1. \x07Your coverage is suspended beginning the first day of the calendar month\nfollowing the month of nonpayment to your covered card; and\n2. \x07Your coverage resumes on the first day of the calendar month following\nthe date of any future payment of your eligible cellular wireless\ntelephone bill with your covered card.\nB. The kind of coverage you receive:\n\xe2\x80\xa2 \x07Reimbursement for the actual cost to replace or repair a stolen or\ndamaged eligible cellular wireless telephone.\n\xe2\x80\xa2 \x07Coverage ends on the earliest of: The date you no longer are a cardholder;\nthe date the covered card is determined to be ineligible by the participating\norganization; the date the participating organization ceases to pay premium\non the group policy; the date the participating organization ceases to\n\n18\n\nBMO Harris Premium Credit Cards\n\n\x0cparticipate in the group policy; the date the group policy is terminated.\nC. Coverage limitations:\nCoverage for a stolen or damaged eligible cellular wireless telephone is\nsubject to the terms, conditions, exclusions, and limits of liability of this benefit.\nThe maximum liability is $600 per claim for World Mastercard, and $1,000 per\ncovered card per 12-month period. Each claim is subject to a $50 deductible.\nCoverage is limited to two (2) claims per covered card per 12-month period.\nCoverage is excess of any other applicable insurance or indemnity available\nto you. Coverage is limited only to those amounts not covered by any\nother insurance or indemnity. In no event will this coverage apply as\ncontributing insurance. This \xe2\x80\x9cnoncontribution\xe2\x80\x9d clause will take precedence\nover a similar clause found in other insurance or indemnity language.\nD. What is NOT covered\nThe following items are excluded from coverage under the group policy:\n\xe2\x80\xa2 \x07Eligible cellular wireless telephone accessories other than the standard\nbattery and standard antenna provided by the manufacturer;\n\xe2\x80\xa2 \x07Eligible cellular wireless telephonees purchased for resale or for\nprofessional or commercial use;\n\xe2\x80\xa2 \x07Eligible cellular wireless telephones that are lost or mysteriously\ndisappear;\n\xe2\x80\xa2 \x07Eligible cellular wireless telephones under the care and control of a\ncommon carrier, including, but not limited to, the U.S. Postal Service,\nairplanes or delivery service;\n\xe2\x80\xa2 \x07Eligible cellular wireless telephones stolen from baggage unless\nhand-carried and under the eligible person\xe2\x80\x99s supervision or under the\nsupervision of the eligible person\xe2\x80\x99s traveling companion who is previously\nknown to the eligible person;\n\xe2\x80\xa2 Eligible cellular wireless telephones stolen from a construction site;\n\xe2\x80\xa2 \x07Eligible cellular wireless telephones which have been rented or leased\nfrom a person or company other than a cellular provider;\n\xe2\x80\xa2 \x07Eligible cellular wireless telephones which have been borrowed;\n\xe2\x80\xa2 \x07Eligible cellular wireless telephones that are received as part\nof a pre-paid plan;\n\xe2\x80\xa2 \x07Cosmetic damage to the eligible cellular wireless telephone or damage\nthat does not impact the eligible cellular wireless telephone\xe2\x80\x99s ability to\nmake or receive phone calls (including minor screen cracks and fractures\nless than 2 inches in length that do not prevent the ability to make\nor receive phone calls or to use other features related to making or\nreceiving phone calls);\n\xe2\x80\xa2 \x07Damage or theft resulting from abuse, intentional acts, fraud, hostilities\nof any kind (including, but not limited to, war, invasion, rebellion\nor insurrection), confiscation by the authorities, risks of contraband,\nillegal activities, normal wear and tear, flood, earthquake, radioactive\ncontamination, or damage from inherent product defects or vermin;\n\xe2\x80\xa2 \x07Damage or theft resulting from mis-delivery or voluntary parting from the\neligible cellular wireless telephone;\n\xe2\x80\xa2 \x07Replacement of eligible cellular wireless telephone(s) purchased from\nanyone other than a cellular service provider\xe2\x80\x99s retail or internet store that\nhas the ability to initiate activation with the cellular service provider;\n\xe2\x80\xa2 \x07Taxes, delivery or transportation charges or any fees associated with the\nservice provided; and\nGuide to Benefits\n\n19\n\n\x0c\xe2\x80\xa2 \x07Losses covered under a warranty issued by a manufacturer, distributor or seller.\nIn addition, we shall not be deemed to provide coverage and we shall not\nbe liable to pay any claim or provide any benefit under the group policy\nto the extent that the provision of such coverage, payment of such claim\nor provision of such benefit would expose us, our parent company or its\nultimate controlling entity to any sanction, prohibition or restriction under\nUnited Nations resolutions or the trade or economic sanctions, laws or\nregulations of the European Union or the United States of America.\nE. How to file a claim\n\xe2\x80\xa2 \x07Call 1-800-Mastercard or go to www.mycardbenefits.com to open a\nclaim. You must report the claim within 90 days of the loss, or as soon\nas reasonably possible, or the claim may not be honored. Upon receipt\nof a notice of claim, we will provide you with the necessary instructions\nfor filing proof of loss. Written proof of loss must be submitted to our\nadministrator within 120 days of the loss or the claim may not be honored.\nRequired documentation may include but is not limited to the following:\n\xe2\x80\xa2 \x07Your card statement reflecting the monthly eligible cellular wireless\ntelephone payments for the month preceding the date the eligible\ncellular wireless telephone was stolen or suffered damage;\n\xe2\x80\xa2 \x07A copy of your current wireless service provider\xe2\x80\x99s billing statement;\n\xe2\x80\xa2 \x07If a claim is due to damage, a copy of the repair estimate and photos\nof the damage;\n\xe2\x80\xa2 \x07If the claim is due to theft, a copy of the police report filed within 48\nhours of the theft; and\n\xe2\x80\xa2 \x07Any other documentation or information reasonably requested by us to\nsupport the claim.\nPlease see the \xe2\x80\x98Legal Disclosure\xe2\x80\x99 section for all disclosures for this benefit.\n\nAccount and Billing Information\nImportant: Contact your card-issuing financial institution directly for\nquestions concerning your account, such as account balance, credit line,\nbilling inquiries (including transaction exchange rates), merchant disputes,\nor information about additional services not described in this Guide. Your\nfinancial institution\xe2\x80\x99s phone number should be available on your monthly\nbilling statement or on the back of your card.\nReminder: Please refer to the Legal Disclosure section.\n\nLegal Disclosure\nThis Guide to Benefits is not, by itself, a policy or contract of insurance\nor other contract. Benefits are provided to you, the accountholder, at no\nadditional charge. Non-insurance services may have associated costs, which\nwill be your responsibility (for example, legal referrals are free, but the\nlawyer\xe2\x80\x99s fee is your responsibility).\nThe insurance benefits are provided under a group policy issued by New\nHampshire Insurance Company, an AIG company. This Guide to Benefits is\na summary of benefits provided to you. The attached Key Terms and EOC is\ngoverned by the group policy.\nEffective date of benefits: Effective October 1, 2019, this Guide to Benefits\nreplaces all prior disclosures, program descriptions, advertising, and\nbrochures by any party. The Policyholder and the insurer reserve the right\n20\n\nBMO Harris Premium Credit Cards\n\n\x0cto change the benefits and features of these programs at any time. Notice\nwill be provided for any changes.\nCancellation: The Policyholder can cancel these benefits at any time or\nchoose not to renew the insurance coverage for all cardholders. If the\nPolicyholder does cancel these benefits, you will be notified in advance. If\nthe insurance company terminates, cancels, or chooses not to renew the\ncoverage to the Policyholder, you will be notified as soon as is practicable.\nInsurance benefits will still apply for any benefits you were eligible for\nprior to the date of such terminations, cancellation, or non-renewal, subject\nto the terms and conditions of coverage.\nBenefits to you: These benefits apply only to the cardholder whose cards are\nissued by U.S. financial institutions. The United States is defined as the fifty\n(50) United States, the District of Columbia, American Samoa, Puerto Rico,\nGuam, and the U.S. Virgin Islands, unless otherwise noted. No person or entity\nother than the cardholder shall have any legal or equitable right, remedy, or\nclaim for benefits, insurance proceeds and damages under or arising out of\nthese programs. These benefits do not apply if your cardholder privileges have\nbeen cancelled. However, insurance benefits will still apply for any benefit you\nwere eligible for prior to the date that your account is suspended or cancelled,\nsubject to the terms and conditions of coverage herein.\nTransfer of rights or benefits: No rights or benefits provided under these\ninsurance benefits may be assigned without the prior written consent of\nthe claim administrator for these benefits.\nMisrepresentation and Fraud: Any coverage benefits hereunder shall be\nvoid if the cardholder has concealed or misrepresented any material facts\nconcerning this coverage.\nDispute Resolution \xe2\x80\x93 Arbitration: This EOC requires binding arbitration if\nthere is an unresolved dispute concerning this EOC (including the cost of,\nlack of or actual repair or replacement arising from a loss or breakdown).\nUnder this Arbitration provision, You give up your right to resolve any\ndispute arising from this EOC by a judge and/or a jury. You also agree\nnot to participate as a class representative or class member in any class\naction litigation, any class arbitration or any consolidation of individual\narbitrations. In arbitration, a group of three (3) arbitrators (each of whom\nis an independent, neutral third party) will give a decision after hearing\nthe parties\xe2\x80\x99 positions. The decision of a majority of the arbitrators will\ndetermine the outcome of the arbitration and the decision of the arbitrators\nshall be final and binding and cannot be reviewed or changed by, or\nappealed to, a court of law.\nTo start arbitration, the disputing party must make a written demand to\nthe other party for arbitration. This demand must be made within one (1)\nyear of the earlier of the date the loss occurred or the dispute arose. The\nparties will each separately select an arbitrator. The two (2) arbitrators\nwill select a third arbitrator called an \xe2\x80\x9cumpire.\xe2\x80\x9d Each party will each\npay the expense of the arbitrator selected by that party. The expense\nof the umpire will be shared equally by the parties. Unless otherwise\nagreed to by the parties, the arbitration will take place in the county\nand state in which you live. The arbitration shall be governed by the\nFederal Arbitration Act (9 U.S.C.A. \xc2\xa7 1 et. seq.) and not by any state law\nconcerning arbitration. The rules of the American Arbitration Association\n(www.adr.org) will apply to any arbitration under this EOC. The laws of the\nstate of New York (without giving effect to its conflict of law principles)\ngovern all matters arising out of or relating to this EOC and all transactions\nGuide to Benefits\n\n21\n\n\x0ccontemplated by this EOC, including, without limitation, the validity,\ninterpretation, construction, performance and enforcement of this EOC.\nDue Diligence: All parties are expected to exercise due diligence to\navoid or diminish any theft, loss or damage to the property insured under\nthese programs. Due Diligence shall means the performance of all vigilant\nactivity, attentiveness, and care that would be taken by a reasonable and\nprudent person in the same or similar circumstances in order to guard and\nprotect the item.\nSubrogation: If payment is made under these benefits, we are entitled to\nrecover such amounts from other parties or persons. Any party or cardholder\nwho receives payment under these benefits must transfer to us his or her\nrights to recovery against any other party or person and must do everything\nnecessary to secure these rights and must do nothing that would jeopardize\nthem, or these rights will be recovered from the cardholder.\nSalvage: If an item is not repairable, our administrator may request that\nyou and/or the cardholder send the item to our administrator for salvage\nat your and/or cardholder\xe2\x80\x99s expense. Failure to remit the requested item for\nsalvage to our administrator may result in denial of the claim.\nOther Insurance: Coverage is secondary to and in excess of any other\napplicable insurance or indemnity available to you. Coverage is limited\nto only those amounts not covered by any other insurance or indemnity.\nCoverage is subject to the conditions, limitations, and exclusions described\nin this document. In no event will this coverage apply as contributing\ninsurance. This Other Insurance clause will take precedence over a similar\nclause found in other insurance or indemnity language.\nIn no event will these insurance benefits apply as contributing insurance.\nThe non-contribution insurance clause will take precedence over the noncontribution clause found in any other insurance policies.\nSeverability of Provisions: If in the future any one or more of the\nprovisions of this Guide to Benefits is, to any extent and for any reason,\nheld to be invalid or unenforceable, then such provision(s) shall be\ndeemed severable from the remaining provisions of the Guide. In that\nevent, all other provisions of this Guide shall remain valid and enforceable.\nBenefits listed in this Guide to Benefits are subject to the conditions,\nlimitations, and exclusions described in each benefit section. Receipt and/\nor possession of this Guide to Benefits does not guarantee coverage or\ncoverage availability.\nThis Guide is intended as a summary of services, benefits, and coverages\nand, in case of a conflict between the Guide and any any master insurance\npolicy(ies) or group policy or actual offering shall control. Provision of\nservices is subject to availability and applicable legal restrictions. The\nGuide to Benefits contains the entire agreement between You and Us.\nRepresentations or promises made by anyone that are not contained in the\nGuide to Benefits are not a part of your coverage.\nWashington Residents: For Washington residents only, Evidence of\nCoverage (EOC) means the section of this Guide to Benefits that describes\nthe terms, conditions, and exclusions of your coverage. The EOC, Key\nTerms, and Legal Disclosures are in the entire agreement between you and\nus. Representations or promises made by anyone that are not contained in\nthe EOC, Key Terms, or Legal Disclosures are not part of your coverage. In\ncase of a conflict between this Guide to Benefits and the group policy, the\nGuide to Benefits shall control.\n22\n\nBMO Harris Premium Credit Cards\n\n\x0cGuide to Benefits\n\n23\n\n\x0cTo file a claim, call 1-800-Mastercard: 1-800-627-8372,\nor en Espa\xc3\xb1ol: 1-800-633-4466.\nVisit our Web site at www.mastercard.com.\n\n24\n\nBMO Harris Premium Credit Cards\n\n\x0c\xc2\xa92020 Mastercard\n\nGuide to Benefits\n\n25\n\n\x0cF03-W646-8-1120\n\n1\n\nMastercard, Maestro, and Cirrus are registered trademarks and the circles design\nare trademarks of Mastercard International Incorporated.\nBanking products and services are subject to bank and credit approval and\nare provided by BMO Harris Bank N.A. Member FDIC\n\xc2\xa9 2020 BMO Harris Bank N.A. (11/20)\t\t\t\n50347165\n\nBMO Harris Premium Credit Cards\n\n09/20-2103\n\nBMO Harris Premier Services includes banking, deposit and loan products and\nservices provided by BMO Harris Bank N.A.\nBMO Harris Bank does not provide legal or tax advice.\n* Securities, investment advisory services and insurance products are offered\nthrough BMO Harris Financial Advisors, Inc. Member FINRA/SIPC. SEC-registered\ninvestment adviser. BMO Harris Financial Advisors, Inc. and BMO Harris Bank N.A.\nare affiliated companies. Securities and insurance products offered are: NOT FDIC\nINSURED \xe2\x80\x94 NOT BANK GUARANTEED \xe2\x80\x94NOT A DEPOSIT \xe2\x80\x94 MAY LOSE VALUE.\n\n\x0c'