b'Credit Cards\n\nBMO Harris Bank\xc2\xae\nConsumer agreement\n\nConsumer\nCardholder\nAgreement\n\nBMO Harris Bank Consumer Cardholder Agreement\n\nII\n\n\x0c\x0cCredit Card\nCardholder Agreement\nThis Cardholder Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) and the\ndocuments listed in the next sentence (\xe2\x80\x9cCardholder\nDocuments\xe2\x80\x9d) govern the use of your BMO Harris Bank\nPlatinum Mastercard\xc2\xae, BMO Harris Bank Platinum Rewards\nMastercard\xc2\xae, BMO Harris Bank Cash Back Mastercard\xc2\xae, BMO\nHarris Bank Premium Rewards Mastercard\xc2\xae, BMO Harris\nPremier Services Premium Rewards Mastercard\xc2\xae, and BMO\nWealth Management Premium Rewards Mastercard\xc2\xae credit\ncard account (\xe2\x80\x9cAccount\xe2\x80\x9d), which is issued by BMO Harris\nBank N.A. (\xe2\x80\x9cBank\xe2\x80\x9d). The Cardholder Documents include the\nAgreement and:\n\xe2\x80\xa2 The card carrier (\xe2\x80\x9cCard Carrier\xe2\x80\x9d) we send with your credit\ncard or cards (\xe2\x80\x9cCard\xe2\x80\x9d);\n\xe2\x80\xa2 The Supplemental Credit Terms (\xe2\x80\x9cSupplement\xe2\x80\x9d);\n\xe2\x80\xa2 The application or solicitation (\xe2\x80\x9cApplication\xe2\x80\x9d) you signed\nor otherwise submitted to request the Account; and\n\xe2\x80\xa2 Any PIN mailer provided to you that contains your\npersonal identification number (\xe2\x80\x9cPIN\xe2\x80\x9d).\nThe Card Carrier, Supplement, Application, and PIN mailer\nare part of this Agreement. Please read and keep the\nCardholder Documents for your records.\nDISCLOSURES FOR ACTIVE DUTY MEMBERS OF THE MILITARY\nAND THEIR DEPENDENTS\nThe following applies to members of the military and their\ndependents if, at the time you establish a covered account,\nyou are an active duty member of the military or you are a\ndependent of an active duty member of the military (as set\nforth in the Military Lending Act, 10 U.S.C. 987, and its\nimplementing regulations).\nThe Arbitration Provision of this Agreement does not apply\nto individuals covered by this section.\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n1\n\n\x0c1. PARTIES, ADDRESSES AND SIGNATURE\nIn this Agreement, \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour\xe2\x80\x9d and \xe2\x80\x9ccardholder\xe2\x80\x9d mean\neach person who applied for an Account approved by the\nBank. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean the Bank or any person\nor entity to which the Bank sells or transfers your Account.\nThese terms have the same meanings when used in your\nmonthly billing statement (\xe2\x80\x9cStatement\xe2\x80\x9d).\nUnless you tell us otherwise, we will assume that you live\nat the address (1) on your Application or (2) where you have\ntold us to send Statements (see paragraph 7 below). You\nagree to tell us right away of any change in your address.\nOur address is BMO Harris Bank N.A., P.O. Box 6101, Carol\nStream, IL 60197-6101.\nYour handwritten, electronic or digital signature on any\ndocument you sign in connection with the use of your\nCard or Account is part of this Agreement. Such documents\ninclude, but are not limited to, your Card, Application or any\naccepted sales slip.\nFor Accounts with more than one borrower (\xe2\x80\x9cjoint\nAccounts\xe2\x80\x9d), if you are the Primary Applicant on the\nApplication, you are the Primary Cardholder and may have\ncertain administrative rights in managing the Account that\na Co-Applicant (a \xe2\x80\x9cCo-Borrower\xe2\x80\x9d) may not have. If you\nare unsure of whether you are the Primary Cardholder or\nCo-Borrower, you may call us at the \xe2\x80\x9cContact Us\xe2\x80\x9d telephone\nnumber on your Statement or write to us at the address on\nyour Statement.\nYou may add Authorized Users to your Account. An\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d is any person to whom we have issued a\nCard at your request. If you no longer want an Authorized\nUser to use your Account, you must notify us.\n2. USING YOUR ACCOUNT\nYour Account is to be used only for personal, family or\nhousehold purposes. You can access your Account by using\nyour Card, Convenience Checks we may issue to you, your\nAccount number (which may also be accessed through an\nenabled mobile device), or other credit devices.\n\n2\n\nCredit Cards\n\n\x0cYou can use your Account to make three types\nof transactions:\n\xe2\x80\xa2 Balance Transfers: You can transfer balances from other\ncredit card accounts to this Account. You can use a form\nthat we provide or other method we may offer from time\nto time. You cannot transfer balances from other accounts\nyou have with us. Balance Transfers accrue interest from\nthe date of transaction without a grace period;\n\xe2\x80\xa2 Purchases: You can purchase goods or services from any\nmerchant that accepts your Card. Purchases of items that\nyou can trade right away for cash are considered QuasiCash Transactions (for example, casino chips) and will be\nCash Advances instead of Purchases (see paragraph 14\nbelow); and\n\xe2\x80\xa2 Cash Advances: You can get cash loans as explained in\nparagraph 14 below.\nIf your Account is a joint Account, each of you may use\nthe Account.\n3. ILLEGAL TRANSACTIONS\nYou agree that your Card or Account will not be used\nfor any transaction that may be illegal under applicable\nlaw. Such transactions include, for example, Internet\ngambling transactions.\n4. PROMISE TO PAY\nBy using your Card or Account, you agree to the terms in\nthis Agreement. You specifically promise to pay all amounts\nyou owe. If you have a joint Account, we can ask any one\nor all of you to pay any or all amounts. It does not matter\nwhich one of you charged the amounts to the Account.\nIf you let another person use your Account, including an\nAuthorized User, you promise to pay all amounts owed\nbecause of that person\xe2\x80\x99s transactions.\n5. CHANGES IN TERMS\nSubject to the requirements and limitations of applicable\nlaw, we may change any of the terms of this Agreement.\nSuch changes may include revising or removing existing\nterms and adding new terms or replacing your Card with\na different Card, which may have different benefits and\nfeatures. The terms changed may include, for example,\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n3\n\n\x0cperiodic rates, fees and this Changes in Terms provision.\nWe will give you notice of any change as required by\napplicable law.\n6. CREDIT AND CASH LIMITS\nWe will set a maximum amount of credit for your Account\n(your \xe2\x80\x9cCredit Limit\xe2\x80\x9d). We will print the dollar amount of\nyour Credit Limit on the Card Carrier and each Statement.\nYou may make Balance Transfers up to the full amount of\nyour available Credit Limit, subject to any other limits we\nmay impose.\nThe maximum amount of credit for Cash Advances\n(\xe2\x80\x9cCash Limit\xe2\x80\x9d) will be a percentage of your Credit Limit.\nWe will print that percentage on the Supplement and\nwe will print the dollar amount of your Cash Limit on\neach Statement.\nYou agree not to use your Account for any transaction that\nwould cause the total unpaid balance of your Account to go\nover your Credit Limit. You may not get a Cash Advance if\nit would cause the total unpaid balance of Cash Advances\n(including Interest and Cash Advance Fees) to go over your\nCash Limit. We may ask you to pay right away any amount\nover your Credit Limit or Cash Limit.\nWe may change the amount of available credit from time\nto time. This means we may increase, decrease or remove\nyour Credit Limit, and/or Cash Limit. We may also limit the\nfrequency and amount of Cash Advances you may make in\nany time period. We also may set a limit for other types of\ntransactions, such as Balance Transfers. We may change the\namount of available credit without telling you first unless\napplicable law requires us to do so. Reasons for changes\ninclude, for example, your credit history with us and/or your\ndefault under this Agreement (see paragraph 18.B below).\nOther reasons include prevention of fraud and changes to\nthis credit card program or Bank policy. Although we credit\nyour payments as described in paragraph 13.C and D below,\nwe may not make credit available on your Account in the\namount of your payment right away.\n\n4\n\nCredit Cards\n\n\x0c7. YOUR STATEMENT\nWe will send you a Statement for each monthly billing cycle\nin which:\n\xe2\x80\xa2 You owe us or we owe you more than $1 on the last day\nof the cycle;\n\xe2\x80\xa2 We impose Interest or a fee;\n\xe2\x80\xa2 There is any other activity on your Account and we are\nnot prohibited by law from sending a communication to\nyou; or\n\xe2\x80\xa2 Applicable law requires us to send a Statement.\nThe Statement will show important information about\nyour Account, such as:\n\xe2\x80\xa2 The unpaid balance of your Account at the beginning of\nthe cycle;\n\xe2\x80\xa2 Payments or other credits to your Account during\nthe cycle;\n\xe2\x80\xa2 Transactions, Interest, fees, and any other amounts\ncharged to your Account during the cycle;\n\xe2\x80\xa2 The total unpaid balance of your Account on the last day\nof the cycle (\xe2\x80\x9cNew Balance\xe2\x80\x9d);\n\xe2\x80\xa2 The minimum payment you must make (the \xe2\x80\x9cMinimum\nPayment Due\xe2\x80\x9d) and the date that it is due (the \xe2\x80\x9cPayment\nDue Date\xe2\x80\x9d); and\n\xe2\x80\xa2 Your Credit Limit, Cash Limit, and the dollar amount of\ncredit and cash available (\xe2\x80\x9cAvailable Credit\xe2\x80\x9d and \xe2\x80\x9cAvailable\nCash\xe2\x80\x9d). We may display your Available Cash as an amount\nrounded down to the nearest dollar.\nWe will send Statements and any other notices to (1) the\naddress on your Application, or one of the addresses on\nyour Application for joint Accounts or (2) a different address\nyou give us. If your Account is a joint Account, each one of\nyou agrees that any one of you can pick the address, but\nwe will only send Statements and notices to one address.\nSubject to limitations we may impose, you may be able\nto change your Payment Due Date. For more information,\ncontact us at the \xe2\x80\x9cContact Us\xe2\x80\x9d telephone number on\nyour Statement.\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n5\n\n\x0c8. INTEREST\nWe will calculate interest on your Account each cycle by\nmultiplying a daily periodic rate by the balance subject to\nthe interest rate of your Account (\xe2\x80\x9cInterest\xe2\x80\x9d) as described\nin paragraphs 9 and 10 below. We will charge a minimum\nInterest charge in the amount shown on the Supplement in\nany billing cycle that you owe Interest.\n9. PERIODIC RATES\nWe will use one or more periodic rates to determine how\nmuch Interest you owe. The periodic rate is the annual\npercentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) divided by 365. The Supplement\nshows the periodic rates and APRs that apply to\nyour Account.\nA. Purchase Rate. The rate for Purchases (\xe2\x80\x9cPurchase Rate\xe2\x80\x9d)\nwill be the rate shown on the Supplement.\nB. Cash Advance Rate. The rate for Cash Advances\n(\xe2\x80\x9cCash Advance Rate\xe2\x80\x9d) will be the rate shown on\nthe Supplement.\nC. Balance Transfer Rate. The rate for Balance Transfers\n(\xe2\x80\x9cBalance Transfer Rate\xe2\x80\x9d) will be the rate shown on\nthe Supplement.\nD. Variable Rates. The applicable rate for each billing cycle\nwill be an index rate (\xe2\x80\x9cIndex Rate\xe2\x80\x9d) plus a percentage\nwe select (\xe2\x80\x9cMargin\xe2\x80\x9d).\nDifferent Margins may apply to different transactions.\nFor example, we may give you one Margin for Purchases\n(\xe2\x80\x9cMargin for Purchases\xe2\x80\x9d). We may give you a different\nMargin for Cash Advances (\xe2\x80\x9cMargin for Cash Advances\xe2\x80\x9d) and\nfor Balance Transfers (\xe2\x80\x9cMargin for Balance Transfers\xe2\x80\x9d). We\nwill print the Margins for your Account on the Supplement.\nThe Index Rate is the Prime Rate published in The Wall\nStreet Journal\xc2\xae on the last publication day of the month just\nbefore each Statement date. If there is no published Prime\nRate, we may pick a similar rate. We will tell you what rate\nwe pick.\nIf the Index Rate changes, your variable rate may change.\nFor example, variable rates may increase if the Index Rate\nincreases. Any increase or decrease in a variable annual\npercentage rate due to a change in the U.S. Prime Rate\ntakes effect as of the first day of the following billing period.\nIf a variable rate changes, the new rate will apply to new\n\n6\n\nCredit Cards\n\n\x0ctransactions and existing balances. If any variable rate\nincreases, the amount of Interest and the Minimum Payment\nDue may increase.\n10. BALANCE SUBJECT TO INTEREST RATE\nThe balance subject to Interest is the average daily balance\nof your Account. We calculate the average daily balance on\nyour Account in three categories: (1) Purchases, (2) Cash\nAdvances, and (3) Balance Transfers. To get the average\ndaily balance for each category, we take the beginning\nbalance of your Account for that category each day. We\nthen add any new transactions in that category, which\nmay include fees and Interest. We then subtract any new\npayments or credits. This gives us the daily balance for each\ncategory. We then add up all the daily balances for each\ncategory for the billing cycle. We then divide the total by\nthe number of days in the billing cycle. This gives us the\nAverage Daily Balance for Purchases, the Average Daily\nBalance for Cash Advances, and the Average Daily Balance\nfor Balance Transfers.\n11. WHEN INTEREST BEGINS\nYou will have at least a 21-day grace period (\xe2\x80\x9cGrace Period\xe2\x80\x9d)\non some transactions. This means you have at least 21\ndays from the Closing Date on your Statement (\xe2\x80\x9cStatement\nClosing Date\xe2\x80\x9d) to pay for new Purchases before we charge\nInterest on them. The Grace Period applies only if you had\nno balance left over from the past billing cycle. This could\nhappen two ways. You could have had no New Balance\n(or a credit balance) on the Statement for the past cycle.\nOr, you could have paid the New Balance for the past\ncycle in full by the Payment Due Date. When the Grace\nPeriod does not apply, Interest on Purchases begins on the\ntransaction date.\nThe Grace Period does not apply to Cash Advances or\nBalance Transfers. Interest on Cash Advances and Balance\nTransfers begins on the transaction date of your Cash\nAdvance or Balance Transfer. If you take advantage of an\noffer with an Introductory or Promotional APR, we will\ncharge you Interest on new Purchases, unless your new\nPurchases have a 0% APR, or you pay your Account balance,\nincluding any Balance Transfers, Cash Advances and\nPromotional Balances, in full each month by your payment\ndue date.\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n7\n\n\x0c12. FEES\nAll of the fees we charge except the fees for Balance\nTransfers, Cash Advances, and Convenience Checks will be\ntreated as Purchases in the billing cycle in which the fee\nis assessed. We will assess fees associated with Balance\nTransfers, Cash Advances, and Convenience Checks in the\nsame category as each of those transactions.\nA. Fees shown on Supplement. We may charge the\nfollowing fees. If a fee applies to your Account, we will\nprint the amount of the fee on the Supplement. We may\nchange or supplement these fees from time to time,\nand if we do, we will provide you with notice of any\nsuch change.\n1. An Annual Fee will appear on your first billing\nStatement and annually thereafter unless\notherwise disclosed.\n2.\t\tTransaction Fees\na. A Cash Advance Fee for each Cash Advance (not\nto exceed $10 for any Cash Advance you get under\nany overdraft protection program we may offer\n(see paragraph 14 below));\nb. A Balance Transfer Fee for each Balance Transfer;\nand\nc. A Foreign Transaction Fee for any transaction you\nmake outside the United States (except Puerto\nRico or the U.S. Virgin Islands).\n3. Penalty Fees\na. A Late Payment Fee if we do not receive at least\nthe Minimum Payment Due by the Payment Due\nDate. The Late Payment Fee will be $27 (up to $37\nif a payment is late again within six billing cycles)\nor the Minimum Payment Due when the payment\nwas late, whichever is less; and\nb. A Returned Payment Fee will be $27 (up to $37\nif a payment is returned again within six billing\ncycles) or the Minimum Payment Due when\nthe payment was late, whichever is less if the\npayment you make is returned for any reason.\nB. Fees disclosed at time of request. Unless prohibited\nby law, we also may charge you other fees from\ntime to time. If a fee applies to your Account, we\n\n8\n\nCredit Cards\n\n\x0cwill tell you the amount of the fee at the time you\nrequest the service. Some fees that may apply to your\naccount include:\n1. A Replacement Card Fee if you request a\nreplacement Card;\n2. An Expedited Delivery Fee (in addition to any other\napplicable fees) if you ask us to send a Card by\nexpedited delivery;\n3. A Dual Statement Fee if you ask us to send your\nStatements in both paper and electronic form;\n4. A Document Fee if you ask us to provide copies of\ndocuments, such as sales slips and receipts; and\n5. An Expedited Payment Fee if a representative of ours\nhelps expedite your payment.\nC. Convenience Check Fees. Unless prohibited by law, we\nmay also charge you fees associated with your use of\nConvenience Checks, and we will tell you the amount of\nthe fee at the time you request the service or with the\noffer accompanying the Convenience Checks:\n1. A Convenience Check Fee will apply to the use of\nConvenience Checks.\n2. A Stop Payment Fee if you request to stop payment\non a Convenience Check.\n3. A Returned Payment Fee if a Convenience Check is\nreturned for non-payment for any reason.\n13. YOUR PAYMENTS\nA. Minimum payment. Each billing cycle you must pay at\nleast the Minimum Payment Due by the Payment Due\nDate. We calculate the largest of the following and then\nadd the greater of any amount that is past due or any\namount in excess of your credit limit:\n\xe2\x80\xa2 The New Balance on the billing statement if it is less\nthan $25;\n\xe2\x80\xa2 $25 if the New Balance is at least $25;\n\xe2\x80\xa2 2% of the New Balance (which calculation is rounded\ndown to the nearest dollar); or\n\xe2\x80\xa2 1% of your Net New Balance plus any new Interest\ncharges and any new Penalty Fees. We round that\nnumber down to the nearest dollar. Net New Balance\nis your New Balance less any new Interest charges\nand any new Penalty Fees.\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n9\n\n\x0cHowever, the Minimum Payment Due will never exceed\nyour New Balance. You may at any time pay more than\nthe Minimum Payment Due up to the full unpaid balance\nwithout any extra charge.\nB. How to make payments. Make your payment by check,\nmoney order or similar instrument in U.S. dollars. If\nyou write a check, the check must be from a financial\ninstitution in the United States. Do not send us cash. You\nmay not use a Convenience Check drawn on an Account\nissued by us to pay us (see paragraph 14 below).\nMail your payment to the address on your Statement\nor deliver it in person to a Qualifying Branch (see\nparagraph 13.D below). With your payment, include your\npayment coupon, which is a part of your Statement.\nIf you do not include your payment coupon, we may\ndelay crediting the payment to your Account. A Late\nPayment Fee and additional Interest may be charged\nif crediting is delayed. Other payment options may be\navailable. Please call us at the \xe2\x80\x9cContact Us\xe2\x80\x9d number\nprovided on your Statement or refer to your Statement\nfor instructions.\nWe won\xe2\x80\x99t treat credits made on your Account, including\ncredits from merchants or some credits made by\nperson- to-person money transfers, as payments, and\nsuch credits may not be applied towards reducing your\nMinimum Payment Due. You cannot use gift cards, gift\ncertificates, electronic certificates or similar instruments\npurchased by you or anyone else with a BMO Harris\nBank credit card to make a payment on your Account.\nC. When we credit payments and how we apply\npayments. If we receive your payment by mail by 5:00\np.m. Central Time on any business day, we will credit\nthe payment to your Account as of that day. Otherwise,\nwe will credit the payment on the next business day.\nIf you make a payment at any location other than the\naddress on your Statement or a Qualifying Branch (see\nparagraph 13.D below), we may delay crediting that\npayment. We may use payments up to the required\nMinimum Payment Due to pay down the balances of\nyour Account in any order we decide. This may include\npaying balances subject to lower rates of Interest before\nbalances subject to higher rates. For any payment\namount over the Minimum Payment Due we will\nallocate such amounts to pay balances subject to higher\n\n10\n\nCredit Cards\n\n\x0crates of Interest before paying balances subject to lower\nrates. If your payment is returned as unacceptable for\nany reason, we may post a transaction to your Account\nin an amount equal to the credit we previously gave\nfor the payment, and we may charge a Penalty Fee\nand Interest on this amount from the date your Account\noriginally was credited for the payment. You may also\nlose any Promotional or Introductory Rates subject to\nparagraph 22 below.\nD. In-Branch payments. If you have a BMO Harris-branded\ncard, you may deliver your payment during normal\nbusiness hours to a Customer Service Representative\nat any bank branch identified by the BMO Harris name,\nbrand or logo (\xe2\x80\x9cQualifying Branch\xe2\x80\x9d). We will credit such\npayments on the day we receive them.\nE. Disputed payments. You agree not to send us disputed\npayments. By disputed payment, we mean a payment\nof less than the amount due marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d\n\xe2\x80\x9cwithout recourse\xe2\x80\x9d or similar language. If you send a\ndisputed payment, we may take it without losing any\nof our rights. If you want to tell us about a disputed\npayment, you can send a letter and/or disputed\npayment to the address listed in paragraph 1 above and\nnot the address on your Statement. You may also call us\nat the \xe2\x80\x9cContact Us\xe2\x80\x9d number provided on your Statement.\n14. GETTING CASH ADVANCES\nYou can get a Cash Advance by taking your Card to a\nfinancial institution and asking for cash (see paragraph\n6 above). You also can get a Cash Advance in one of the\nfollowing ways:\n\xe2\x80\xa2 Convenience Checks: We may send you Convenience\nChecks (or Promotional Checks) from time to time. You can\nuse a Convenience Check like a personal check, and it will\nbe subject to the terms provided with the Convenience\nChecks, in addition to the terms of this Agreement. We\nmay charge a Convenience Check to your Account at\nthe time we receive it, even if it (1) is post-dated, (2) is\nstale or (3) will cause you to go over your Credit Limit or\nCash Limit. (By \xe2\x80\x9cpost-dated,\xe2\x80\x9d we mean the date of the\ncheck is in the future. By \xe2\x80\x9cstale,\xe2\x80\x9d we mean a bank is not\nrequired to pay the check because the date of the check\nis too far in the past.) You can ask us to stop payment\non a Convenience Check by calling or writing us at the\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n11\n\n\x0c\xe2\x80\x9cContact Us\xe2\x80\x9d number or address on your Statement.\nWe cannot guarantee stop payment on Convenience\nChecks. We will not owe you anything if we fail to\nstop payment.\n\xe2\x80\xa2 ATM Cash Advances: You can get an ATM Cash Advance\nby using your Card at an automated teller machine\n(\xe2\x80\x9cATM\xe2\x80\x9d). The ATM must accept cards from the Mastercard\nfamily of brands. You must use the correct PIN. You can\nrequest a PIN by calling the customer service number\non the back of your Card or the \xe2\x80\x9cContact Us\xe2\x80\x9d number on\nyour Statement. Any terms, conditions or limitations\nof the ATM network you use will apply to ATM Cash\nAdvances. We may limit the number or amount of ATM\nCash Advances you can get in one day. We may stop\nyou from getting ATM Cash Advances if we reasonably\nbelieve there is unusual activity on your Account. We\nalso may stop you from getting ATM Cash Advances if\nyou are in default under this Agreement (see paragraph\n18.B below).\n\xe2\x80\xa2 Overdraft Protection Advances: If you have a checking or\ndemand deposit account (\xe2\x80\x9cDDA\xe2\x80\x9d) with us now or in the\nfuture and you have enrolled in an available overdraft\nprotection program, we may offer you an automatic\nCash Advance to transfer money from your Account to\nyour DDA. The automatic Cash Advance feature of our\noverdraft protection program may not be available on all\nAccounts. The amount of the Cash Advance will be the\namount of the overdraft rounded up to the nearest $100,\nnot to exceed your Cash Limit. By overdraft, we mean\nthe total amount by which checks, payments, charges\nand other items properly chargeable to your DDA exceeds\nthe balance of your DDA. You must be enrolled in the\noverdraft protection program at the time of the overdraft.\nThe terms and conditions of the overdraft protection\nprogram also apply to this type of Cash Advance. We will\ngive you those terms and conditions when you enroll in\nthe program.\n\xe2\x80\xa2 Quasi-Cash Transactions: Purchases of items that you can\ntrade right away for cash (\xe2\x80\x9cQuasi-Cash Transactions\xe2\x80\x9d)\nwill be Cash Advances instead of Purchases. Quasi-Cash\nTransactions include, but are not limited to, purchases\nof casino gaming chips, money orders, deposits, wire\ntransfer money orders, travelers checks, foreign currency\nand similar items.\n\n12\n\nCredit Cards\n\n\x0c15. CURRENCY CONVERSION\nYou can make transactions in currencies other than U.S.\ndollars. If you do, Mastercard will convert the amount of\nthe transaction to U.S. dollars. Mastercard uses either (1) a\nrate Mastercard selects from the range of rates available\nin wholesale currency markets for the applicable central\nprocessing date, or (2) a rate set by a government for the\napplicable central processing date. The conversion rate\nmay be different from the published rate in effect on the\nday that you made the transaction or that we posted the\ntransaction to your Account.\n16. AUTHORIZATION OF TRANSACTIONS\nWe do not promise to authorize every transaction\nyou request. We may limit the number or amount of\ntransactions we authorize on your Account in any one day.\nWe may refuse to authorize any illegal transaction. We may\nrefuse to authorize any transaction that would cause you\nto go over your Credit Limit or Cash Limit or any other limit\nwe impose on your Account. We may refuse to authorize\ntransactions if your Account is closed or in default (see\nparagraph 18 below). We will not pay for any harm these\nactions may cause you, except as required by applicable\nlaw. In addition, we will not owe you anything if a merchant\nor financial institution does not let you make a transaction\non your Account. We also will not owe you anything if there\nis a problem with goods or services you purchase using your\nAccount, except as explained in Your Billing Rights below.\n17. UNAUTHORIZED USE\nIf you notice the loss or theft of your Card or a possible\nunauthorized use of your Card, you should call us\nimmediately at the \xe2\x80\x9cLost or Stolen\xe2\x80\x9d telephone number\nprovided on your Statement. You will not be liable for\nany unauthorized use that occurs after you notify us. You\nmay, however, be liable for unauthorized use that occurs\nbefore your notice to us. In any case, your liability will not\nexceed $50.\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n13\n\n\x0c18. CLOSING YOUR ACCOUNT\nA. How you can close your Account. You can close your\nAccount at any time by calling us at the \xe2\x80\x9cContact Us\xe2\x80\x9d\ntelephone number or writing to us at the \xe2\x80\x9cContact Us\xe2\x80\x9d\naddress on your Statement. We will close your Account\nafter we receive your notice. If you close your Account,\nyou must stop using your Account right away unless you\nand we agree otherwise. You must also destroy and\nsafely dispose of your Card.\nB. When we can suspend or close your Account; default.\nWe can suspend or close your Account at any time. We\nwill not tell you first unless applicable law requires us\nto do so. We may suspend or close your Account for any\nreason. One of the reasons may be your default under\nthis Agreement. We may decide you are in default if:\n\xe2\x80\xa2 You do not pay any Minimum Payment Due by the\nPayment Due Date;\n\xe2\x80\xa2 You die or become bankrupt, insolvent or\nincompetent;\n\xe2\x80\xa2 Someone tries to get your assets, wages or property\nby filing a legal action against you;\n\xe2\x80\xa2 We believe any information you gave us is false,\nmisleading or incomplete;\n\xe2\x80\xa2 You go over your Credit Limit or Cash Limit;\n\xe2\x80\xa2 You break any promise you make in this Agreement;\n\xe2\x80\xa2 You are in default under any other loan or security\nagreement you have with us;\n\xe2\x80\xa2\n\nYou move to, or you live in, a place where we do not,\nor no longer, offer Accounts (including any location\noutside the United States).\n\nHowever, we will not decide you are in default for a\nreason prohibited by applicable law.\nC. After you or we close your Account. If you or we close\nyour Account, you must pay the full amount you owe\nus. The full amount includes amounts you owe that we\nhave not yet billed to you. If we close your Account, we\nmay ask you to pay the full amount right away. We will\nnot ask you to pay right away if applicable law prohibits\nit or you and we agree that you do not have to. Until\nyou pay us in full, we may continue to charge applicable\nfees as well as Interest on the amount you owe us. We\nalso may continue to report the amount you owe us to\n\n14\n\nCredit Cards\n\n\x0cconsumer reporting agencies and other proper parties.\nYou must destroy your Card if we ask you to.\n19. COLLECTION COSTS\nIf we refer your Account to an attorney for collection after\nyour default, we may charge you our collection costs.\nCollection costs may include court costs and reasonable\nattorneys\xe2\x80\x99 fees. We will charge these costs only when and\nas permitted by applicable law.\n20. SECURITY\nWe may ask you to give us something valuable to secure\npayment of amounts you owe under this Agreement.\nWe will not take as security any household goods or\nreal property.\n21. OTHER SERVICES\nFrom time to time, third parties may offer you services.\nThese services may include credit card registration,\nemergency cash service, address change service and\nother related services. If you purchase a service, we will\ncharge the fee to your Account. If you have a problem with\na service, you must contact the third party to resolve it.\nWe will not owe you anything for a claim related to the\nservice. You agree to hold us harmless to the fullest extent\npossible from any such claims, unless otherwise prohibited\nby applicable law. These services may be discontinued or\nthe terms of the services changed at any time without\nadvance notice.\n22. SPECIAL PROGRAMS\nFrom time to time, we may offer Special Programs. A\nSpecial Program will have some terms that are different\nfrom the terms in this Agreement. We will tell you the\nterms when we make the offer. If you accept the offer, you\nagree to those terms. Except where the Special Program\nterms are different, the terms in this Agreement continue\nto apply to Special Program transactions. The terms in\nthis Agreement also continue to apply to transactions that\nare not Special Program transactions. We may use your\npayments up to the required Minimum Payment Due to\npay down Special Program balances before other balances\non your Account. This may reduce the time that any Special\nProgram applies to your Account. This also may increase\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n15\n\n\x0cthe amount of Interest you will owe on the other balances.\nSpecial Programs may include, for example:\n\xe2\x80\xa2 Introductory Rate: A lower rate (\xe2\x80\x9cIntroductory Rate\xe2\x80\x9d) will\napply to your Account or to certain transactions on your\nAccount (for example, Purchases) for a certain period of\ntime (\xe2\x80\x9cIntroductory Period\xe2\x80\x9d). However, the Introductory\nPeriod may end sooner. It will end sooner if you do not\npay the full Minimum Payment Due within 60 days of the\nPayment Due Date. After the Introductory Period ends,\nthe rate(s) will increase to the rate(s) that applies at that\ntime. If your Account has an Introductory Rate, we will\nprint the Introductory Rate and Introductory Period on\nthe Supplement. The Supplement also will explain the\ntransactions to which the Introductory Rate applies.\n\xe2\x80\xa2 Promotional Rate: A different rate (\xe2\x80\x9cPromotional Rate\xe2\x80\x9d)\nwill apply to your Account or to certain transactions on\nyour Account for a certain period of time (\xe2\x80\x9cPromotional\nPeriod\xe2\x80\x9d). However, the Promotional Period may end\nsooner. It will end sooner if you pay the balance subject\nto the Promotional Rate before the Promotional Period\nends. Except during the first year your Account is open, it\nalso will end sooner if you do not pay the full Minimum\nPayment Due by the Payment Due Date. During the first\nyear your Account is open, it also will end sooner if you\ndo not pay the full Minimum Payment Due within 60\ndays of the Payment Due Date. After the Promotional\nPeriod ends, the rate(s) will increase to the rate(s) that\napplies at that time. If your Account has a Promotional\nRate, we will print the Promotional Rate and Promotional\nPeriod on the Supplement or Special Program offer. The\nSupplement or Special Program offer also will explain the\ntransactions to which the Promotional Rate applies.\n23. INFORMATION ABOUT YOU\nA. How we use and share your credit information. When\nyou applied for an Account, you gave us information\nabout yourself. You also agreed that we could\nrequest information about your creditworthiness and\nemployment from others (including requesting your\nconsumer report from consumer reporting agencies). We\nuse this information when considering your Application\nand for any other lawful purpose. These purposes\ninclude (1) any updates, renewals or extensions of credit\nand (2) reviewing or collecting your Account. If you write\n\n16\n\nCredit Cards\n\n\x0cto us at Credit Card Marketing, P.O. Box 2035, Milwaukee,\nWI 53201-2035, we will tell you the name and address\nof each consumer reporting agency that gave us your\nconsumer report. We may give information about you\nand your Account to consumer reporting agencies and\nother proper parties.\nWe may report information about your Account to\ncredit bureaus. Late payments, missed payments, or\nother defaults on your Account may be reflected in\nyour credit report.\nB. Tell us about inaccurate information. Tell us if we have\ninaccurate information about you. Also tell us if we\nreported inaccurate information about you to a credit\nreporting agency. Write to us at the address listed in\nparagraph 1 above. Include in your letter the specific\ninformation you think is inaccurate.\nC. Emergency card services. We may share your personal\ninformation with Mastercard International, Mastercard\nInternational contractors and service providers, and our\ncontractors and service providers, for the purpose of\nproviding Emergency Card Replacement and Emergency\nCash Disbursement services to you.\nD. Authorized Users. We may share information about your\nAccount with Authorized Users you add to your Account.\n24. CONSENT TO TELEPHONE CALLS AND MONITORING\nYou authorize us (which includes, for the purposes\nof this paragraph, our agents and representatives) to\ncontact you using automatic telephone dialing systems,\nartificial or prerecorded voice message systems, email\nand text messaging systems in order to provide you with\ninformation regarding your Account, including information\nabout missed payments, the suspected misuse of your\nCard, or general servicing items. You authorize us to make\nsuch contacts using any telephone numbers (including\nwireless, landline and Voice Over Internet Protocol numbers)\nyou have supplied or will supply to us in connection with\nyour Account or any other account you may have or will\nestablish with us. You understand that anyone with access\nto your telephone may listen to or read the messages we\nleave or send you, and you agree that we will have no\nliability for anyone accessing such messages. You further\nunderstand that, when you receive a telephone call or text\nmessage, you may incur a charge from the company that\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n17\n\n\x0cprovides you with telecommunications, wireless and/or\ndata services, and you agree that we will have no liability\nfor such charges. You expressly authorize us to monitor\nand record your calls with us. You agree that you are the\nowner and/or primary user of any telephone number or\nemail address you provide to us and that you will notify us\nif this is no longer true as to any such telephone number or\nemail address.\n25. AUTOMATIC BILLING UPDATER SERVICE\nWe participate in the Mastercard\xc2\xae Automatic Billing Updater\n(ABU) service. When your Card number or expiration date\nis updated, or your Account is closed, we will provide the\nupdated Card information to merchants who participate in\nABU with whom you have automatic billing arrangements\n(such as telephone, cable companies, insurance and\nhealth clubs). Since not all merchants participate in ABU,\nyou should notify each merchant with whom you have\nautomatic billing arrangements of the updated Card\ninformation to ensure your payments are not interrupted.\nIf you do not want us to provide your Card updates through\nABU, please call the customer service number on the back\nof your credit card and allow 60 days for your opt out to\ntake effect.\n26. GOVERNING LAW\nThis Agreement and your Account are governed by federal\nlaw applicable to a national bank and, to the extent not\npreempted by federal law, the laws of Illinois, without\nregard to its conflicts of law provisions. We have accepted\nthis Agreement in Illinois.\nFor Maryland residents only, to the extent federal law and\nthe laws of the state of Illinois do not apply, this Agreement\nis governed by Title 12, Subtitle 9 of the Maryland\nCommercial Law Article.\n27. ARBITRATION PROVISION\nEither you or we can ask the other to resolve a Claim by\nbinding arbitration. By \xe2\x80\x9cClaim,\xe2\x80\x9d we mean any claim, dispute\nor controversy (whether in contract, tort or otherwise) at\nany time arising from or relating to your Account or this\nAgreement. We intend the term Claim to have the broadest\npossible meaning. Claim includes, by way of example and\nwithout limitation:\n\n18\n\nCredit Cards\n\n\x0c\xe2\x80\xa2 Claims arising from your Application for or issuance, use,\nterms, change in terms or addition of terms, closing or\ncollection of your Account or this Agreement;\n\xe2\x80\xa2 Claims arising from advertisements, promotions or oral\nor written statements related to your Account, including\nany Claims regarding information we got from you or we\nreported to you, credit reporting agencies or others;\n\xe2\x80\xa2 Claims related to the goods or insurance or other services\npurchased under your Account;\n\xe2\x80\xa2 Claims between you and our parent corporations, wholly\nor majority owned subsidiaries, affiliates, predecessors,\nsuccessors, assigns, agents, independent contractors,\nemployees, officers, directors or representatives arising\nfrom your Account or this Agreement; and\n\xe2\x80\xa2 Claims regarding the validity, enforceability or scope of\nthis Arbitration Provision or this entire Agreement.\nHowever, the term Claim does not include any Claim\nrelating to the validity and effect of any class action,\nconsolidation and/or joinder waiver.\nArbitration is different from a lawsuit in many ways. If you\nor we ask for arbitration of a Claim, neither you nor we\ncould get a court or jury to decide the Claim. There may be\nlimits on the amount of information you and we could get\nfrom each other before the arbitration. You could not be\npart of a class of people with similar complaints after you\nor we ask for arbitration. Except as explained below, the\narbitrator\xe2\x80\x99s decision will be final and binding. Other rights\navailable to you in court may not be available in arbitration.\nThe American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) or JAMS will\nconduct any arbitration between you and us. The rules for\narbitrations will be those of either AAA or JAMS (\xe2\x80\x9cRules\xe2\x80\x9d)\nin effect when you or we file the Claim. If something in\nthe Rules is different from something in this Arbitration\nProvision, we will follow this Arbitration Provision. You\ncan get the Rules and other forms by calling the AAA at\n1-800-778-7879, visiting the AAA\xe2\x80\x99s website at www.adr.org\nor writing to the AAA at 1633 Broadway, 10th Floor, New\nYork, New York 10019, or by calling JAMS at 1-800-352-5267,\nvisiting the JAMS website at www.jamsadr.com or writing\nto JAMS at 1920 Main Street, Suite 300, Irvine, VA 92614.\nIf for any reason either the AAA or JAMS cannot, will not\nor ceases to be an arbitration administrator, we will pick\nanother administrator with similar rules. If you want to\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n19\n\n\x0carbitrate a claim, send us notice at the address listed in\nparagraph 1 above. Then contact either the AAA or JAMS\nto find out how to file a Claim. If needed, we will meet for\nan arbitration hearing in the federal judicial district where\nyou live or some other place we all agree is convenient.\nArbitration fees can be more expensive than court fees.\nAfter you have paid arbitration fees equal to the fee to file\nan action in your local state or federal court, you can ask us\nin writing for help. We will advance up to $325 toward the\nfiling, administrative and/or hearing fees for any Claim you\nfile against us. At the end of the arbitration, the arbitrator\nwill decide who should pay the arbitration fees. You may\nhave to pay us back some or all of the money we advanced.\nUnless applicable law requires otherwise, each party has\nto pay for its own attorneys\xe2\x80\x99, experts\xe2\x80\x99 and witness fees, no\nmatter who wins the arbitration.\nNo Claim can be arbitrated on a class action basis. An\narbitration can decide only your or our Claims. You cannot\nhave a joint arbitration with any parties other than persons\nwho use your Account. You also cannot bring together\nany Claims other than those relating to you and persons\nwho use your Account. A court with proper jurisdiction and\nnot an arbitrator will determine whether this provision\nprohibiting class actions, joinder and/or consolidation is\nvalid and effective.\nThis Arbitration Provision relates to a transaction involving\ninterstate commerce. It will be governed by the Federal\nArbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d), as amended, even if different laws\napply to other parts of this Agreement. The arbitrator will\napply applicable substantive law consistent with the FAA.\nThe arbitrator will apply applicable statutes of limitations.\nThe arbitrator also will honor claims of privilege recognized\nat law. Whoever wins the arbitration can get a judgment\non the arbitration award in any court having jurisdiction.\nJudgments include, for example, garnishment, attachment,\nforeclosure or other post- judgment remedies.\nThe arbitrator\xe2\x80\x99s decision generally will be final and binding.\nIf there is a right of appeal under the FAA, however, any\nparty can appeal the award. A group of three arbitrators\nfrom either AAA or JAMS will hear the appeal. The group will\nreview all over again any part of the initial award that the\nparty who appeals requests. The party who appeals must\npay for the appeal no matter what happens at the end.\n\n20\n\nCredit Cards\n\n\x0cThis Arbitration Provision will apply even after you repay\nyour Account and after your Account is closed. If a court\ndecides that any part of this Arbitration Provision is invalid\nor unenforceable under the FAA, the other parts still\napply. However, if a court decides that the part prohibiting\nclass actions, consolidation and/or joinder is invalid or\nunenforceable, then this Arbitration Provision will not apply.\nYou can opt out of this Arbitration Provision if you write to\nus within 30 days after we open your Account. Send a letter\nthat says you do not agree to the Arbitration Provision.\nThe letter must include your name, address and Account\nnumber. Mail the letter to BMO Harris Bank N.A., Arbitration\nOpt-out, P.O. Box 6101, Carol Stream, IL 60197-6101. This is\nthe only way you can opt out of the Arbitration Provision.\nIf you opt out of the Arbitration Provision, all other parts of\nthe Agreement still apply to your Account.\n28. TRANSFER AND ASSIGNMENT\nYou cannot give or sell your rights or duties under this\nAgreement, your Account or your Card to any other person\nor company. We may give or sell our rights or duties under\nthis Agreement, your Account or your Account balance\nto any other person or company, with or without telling\nyou first.\n29. NO WAIVER BY US; SEVERABILITY\nWe may delay enforcing or give up any of our rights under\nthis Agreement in certain situations. If we delay enforcing\nor give up any of our rights, this does not affect our other\nrights. If we give up a right in one situation, we do not\ngive up the same right in other situations. If a court with\nproper jurisdiction decides that any part of this Agreement\nis unenforceable, all the other parts of this Agreement\nstill apply.\n30. ENTIRE AGREEMENT\nThe Cardholder Documents are the entire agreement\nbetween you and us relating to your Account. The\nCardholder Documents replace any other agreement\nrelating to your Account that you and we made earlier or at\nthe same time. If any of the other Cardholder Documents\nhas any information that is not the same as information in\nthis Agreement, we will follow this Agreement unless the\nother document says we should follow that document.\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n21\n\n\x0cNJ RESIDENTS: Certain provisions of this Agreement are\nsubject to applicable law. As a result, they may be void,\nunenforceable or inapplicable in some jurisdictions. None\nof these provisions, however, is void, unenforceable or\ninapplicable in New Jersey.\nOHIO RESIDENTS: The Ohio laws against discrimination\nrequire that all creditors make credit equally available to all\ncredit worthy customers, and that credit reporting agencies\nmaintain separate credit histories on each individual upon\nrequest. The Ohio civil rights commission administers\ncompliance with this law.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT\nFOR FUTURE USE\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement\nIf you think there is an error on your statement, write\nto us at:\nBMO Harris Bank N.A.\nP.O. Box 6101\nCarol Stream, IL 60197-6101.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on\nyour statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You\nmay call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount\nin question.\n\n22\n\nCredit Cards\n\n\x0cWhat will happen after we receive your letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been\nan error:\n\xe2\x80\xa2 We cannot try to collect any amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your\ncredit limit.\nAfter we finish our investigation, one of two things\nwill happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount that you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have\nto pay the first $50 of the amount you question, even if\nyour bill is correct.\n\nBMO Harris Bank Consumer Cardholder Agreement\n\n23\n\n\x0cYour rights if you are dissatisfied with your credit\ncard purchases\nIf you are dissatisfied with the goods or services that you\nhave purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due\non the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address,\nand the purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you,\nor if we own the company that sold you the goods or\nservices.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do\nnot qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still\ndissatisfied with the purchase, contact us in writing at:\nBMO Harris Bank N.A.\nP.O. Box 6225\nCarol Stream, IL 60197-6225.\nWhile we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if\nwe think you owe an amount and you do not pay, we may\nreport you as delinquent.\n\n24\n\nCredit Cards\n\n\x0cNotes\n\n\x0cTalk with us\n\n1-855-825-9237\nLearn more\n\nbmoharris.com\n\nMastercard\xc2\xae is a registered trademark 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. BMO Harris Bank\xc2\xae and\nBMO Harris\xc2\xae are trade names used by BMO Harris Bank N.A.\nBMO Harris Premier Services represents a combined service approach of BMO\nHarris Financial Advisors and BMO Harris Bank, each a part of the BMO Financial\nGroup. BMO Harris\xc2\xae is a trade name used by BMO Harris Bank N.A. and its affiliates.\nBMO Harris Premier Services includes banking, deposit and loan products and\nservices provided by BMO Harris Bank N.A. Banking products and services are\nsubject to bank and credit approval. BMO Harris Bank\xc2\xae is a trade name used by\nBMO Harris Bank N.A. Member FDIC. BMO Harris Bank does not provide legal or\ntax advice.\nSecurities, 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 affliated companies. Securities and insurance products offered are: NOT FDIC\nINSURED \xe2\x80\x94 NOT BANK GUARANTEED \xe2\x80\x94 NOT A DEPOSIT \xe2\x80\x94 MAY LOSE VALUE.\n\nI\n\nBMO Wealth Management is a brand name that refers to BMO Harris Bank N.A.\nand certain of its affliates that provide certain investment, investment advisory,\ntrust, banking, securities, insurance and brokerage products and services. Banking\nproducts and services are provided by BMO Harris Bank N.A. and are subject to\nbank and credit approval. BMO Harris Bank N.A. Member FDIC.\n\xc2\xa9 2020 BMO Harris Bank N.A. All Rights Reserved. (01/20)\n50318215\n\n01-20/19-2758\n\nF03-W643-5-0120\n\n\xc2\xa9 2017 BMO Financial Corporation. All Rights Reserved.\n\nCredit Cards\n\n\x0c'


b'Summary of Credit Terms for BMO Harris Bank Premium Rewards Mastercard\xc2\xae\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n13.99%, 15.99%, 18.99% or 21.99% based on your\n\nAPR for Balance Transfers\n\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\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\nAfter that, your APR will be 13.99%, 15.99%, 18.99% or 21.99% based on your\ncredit worthiness. This APR will vary with the market based on the Prime Rate.\n24.24%\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 21 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on cash advances and balance transfers\non 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 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\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\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\nPayment fees 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\ndate.\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\nour rights 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\ninterest of 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\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers\ncompliance 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\nfree information 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\nan account. 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\nallow 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. Banking products and services are provided by BMO Harris Bank N.A. and are\nsubject 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'