b'BMO Harris\nCredit Cards\n\nBMO Harris\nConsumer Credit Cards\n\nGuide to Benefits\n\nBMO Harris Bank Platinum Mastercard\xc2\xae\nBMO Harris Bank Platinum Rewards Mastercard\xc2\xae\n\x07BMO Harris Bank Cash Back Mastercard\xc2\xae\nImportant information. Please read and save.\n\nGuide to Benefits\n\n2\n\n\x0c3\n\nBMO Harris Consumer 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 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\nauthorized user of the covered card. We, Us, and Our refer to New\nHampshire Insurance Company, an AIG company. Other words and\nphrases that appear in bold have special meaning.\nAdministrator means Sedgwick Claims Management Services, Inc. You may\ncontact the administrator if you have questions regarding this coverage or\nwould like to make a claim. The administrator can be reached by phone at\n1-800-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.\nCovered card means the active and valid Mastercard-branded payment card.\nEvidence of Coverage (EOC) means the summary of benefits set forth\nbelow which describe the terms, conditions, limitations and exclusions of the\ncoverage 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 the\ngroup 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\nincludes unmarried children under twenty-six (26) years of age if a fulltime student at an accredited college or university.\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.\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.\nGuide to Benefits\n\n1\n\n\x0cVehicle 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\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,\nand brochures by any other party. We reserve the right to change the\nbenefits and features of these programs at any time. Notice will be\nprovided for any changes. Pursuant to the below terms and conditions\nherein, when you rent a vehicle for fifteen (15) consecutive days or less with\nyour covered card, 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\nfifteen (15) consecutive days. Rental periods that exceed or are intended\nto exceed fifteen (15) 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\nlimits outlined 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 Towing 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\n2\n\nBMO Harris Consumer Credit Cards\n\n\x0cany 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 you in\nterritories or countries outside of the United States, coverage is considered primary\ncoverage subject to any applicable economic and trade sanctions conditions.\nD. Who is covered:\nThe covered card cardholder and those designated in the rental agreement\nas 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 (10) years), or limousines.\nF. Where you are covered:\nCoverage is available worldwide; provided coverage is not available\nin countries 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 Reasonable and customary charges of repair or the actual repair amount;\n\xe2\x80\xa2 Wholesale market value less salvage and depreciation;\n\xe2\x80\xa2 The rental agencies purchase invoice less salvage and depreciation;\n\xe2\x80\xa2 \x07The contractual liability assumed by you or an authorized driver of\nthe rental vehicle; or\n\xe2\x80\xa2 The 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.\n\nGuide to Benefits\n\n3\n\n\x0cH. What is NOT covered:\nThis coverage does not apply to:\n\xe2\x80\xa2 \x07Any personal item actually or allegedly stolen from the interior\nor exterior 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\nor other indemnity policy.\n\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 fees\ncharged 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 fifteen (15) 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 not limited\nto, any actual or alleged invasion, terrorism, rebellion, insurrection, riot,\nor civil commotion); confiscation or damage by any government, public\nauthority, or customs official; risks of contraband; illegal 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\ndue to 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.\n4\n\nBMO Harris Consumer Credit Cards\n\n\x0cI. How to file a claim:\n\xe2\x80\xa2 \x07Call 1-800-Mastercard or go to www.mycardbenefits.com to initiate\na claim. You must report the claim within sixty (60) days of the loss or\nthe claim may not be honored.\n\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 within one\nhundred and eighty (180) days of the incident or the claim 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- \x07Copy of your valid driver\xe2\x80\x99s license (front and back).\n- \x07Copy of the declarations page of any personal vehicle liability insurance\npolicy and/or other valid insurance or coverage.\n- \x07Police 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- \x07Itemized repair estimate from a factory registered collision repair facility.\n- Copy of any vehicle rental company promotion/discount, if applicable.\n- \x07Copy of the vehicle rental location class specific fleet utilization log, if\nloss of use charges are being claimed. You must secure this log from\nthe rental agency.\n- \x07Any other documentation that may be reasonably requested by us or\nour administrator to validate a claim.\n\nExtended Warranty\n\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) warranty\nof twelve (12) months or less.\nB. 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 twelve (12) months on most items you purchase. For\nproducts with multiple warranty components, each warranty time period\nwill be extended up to a maximum of twelve (12) months. An example\nof a product with multiple warranty components includes an appliance\nwith original manufacturer\xe2\x80\x99s (or U.S. store brand) warranties that differ\nfor parts, labor, compressor, etc.\n\xe2\x80\xa2 \x07If you purchase a service contract or an optional extended warranty of\ntwelve (12) months or less on your item, we will cover up to an additional\ntwelve (12) months after both the original manufacturer\xe2\x80\x99s (or U.S. store\nbrand) warranty and the purchased service contract or extended warranty\ncoverage period end. If your service contract or extended warranty exceeds\ntwelve (12) 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 benefi t commences the day after your\noriginal manufacturer\xe2\x80\x99s (or U.S. store brand) warranty expires.\nGuide to Benefits\n\n5\n\n\x0cC. 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\nthe service contract covers more than twelve (12) 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\ndo not come with a manufacturer\xe2\x80\x99s warranty (repair or replacement\namount will not include market value at time of claim); recycled,\npreviously owned, refurbished, rebuilt, or remanufactured items;\nproduct guarantees (e.g., glass breakage).\n\xe2\x80\xa2 Floor 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,\nwatercraft/boats, aircraft, and motorcycles, or their motors, equipment,\nor accessories. 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.\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 \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\nhazardous substances, 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.\n6\n\nBMO Harris Consumer Credit Cards\n\n\x0cE. How to file a claim:\n\xe2\x80\xa2 \x07Visit www.mycardbenefits.com or call 1-800-Mastercard to open\na claim. You must report the claim within sixty (60) days of the failure\nor the claim may not be honored.\n\xe2\x80\xa2 \x07\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- \x07Itemized 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 theft 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 of\nidentity theft.\nServices 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\xa2 \x07Online 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 dark and deep 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\nGuide to Benefits\n\n7\n\n\x0c- 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\n\t\x07To 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.\nTo 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\xa2 \x07URL 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/.\n\n8\n\nBMO Harris Consumer Credit Cards\n\n\x0cCharges:\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.\n\nTravel 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\nGuide to Benefits\n\n9\n\n\x0cinstitution 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 will provide 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 us\nwhere you are.\nWe\xe2\x80\x99ll send someone to the rescue. This is not only reassuring, but it may also\nsave you money because fees for many services (e.g., jumpstarts, towing,\ngas delivery, and tire changes) are pre-negotiated. Road service fees will be\nautomatically 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 oneton capacity trailers, campers or if you have a rental car, be sure to call the\nrental car agency before you call 1-800-Mastercard, as many rental agencies\nhave special procedures regarding emergency road service assistance.\n\nMastercard Global ServiceTM\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.\n10\n\nBMO Harris Consumer Credit Cards\n\n\x0cRemember, 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:\nAustralia\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\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\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.\nGuide to Benefits\n\n11\n\n\x0cLegal Disclosure\nThis Guide to B0enefits 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 a\nsummary of benefits provided to you. The Key Terms and EOC is governed\nby the group policy.\nEffective date of benefits: Effective October 1, 2019, this Guide to Benefits replaces\nall prior disclosures, program descriptions, advertising, and brochures by any party.\nThe Policyholder and the insurer reserve the right to change the benefits and\nfeatures of these programs at any time. Notice will be provided for any changes.\nCancellation: The Policyholder can cancel these benefits at any time or choose\nnot to renew the insurance coverage for all cardholders. If the Policyholder does\ncancel these benefits, you will be notified in advance. If the insurance company\nterminates, cancels, or chooses not to renew the coverage to the Policyholder,\nyou will be notified as soon as is practicable. Insurance benefits will still apply\nfor any benefits you were eligible for prior to the date of such terminations,\ncancellation, or non-renewal, subject to the terms and conditions of coverage.\nBenefits to you: These benefits apply only to the cardholder whose cards\nare issued by U.S. financial institutions. The United States is defined as the\nfifty (50) United States, the District of Columbia, American Samoa, Puerto\nRico, Guam, and the U.S. Virgin Islands. No person or entity other than the\ncardholder shall have any legal or equitable right, remedy, or claim for\nbenefits, insurance proceeds and damages under or arising out of these\nprograms. These benefits do not apply if your cardholder privileges have\nbeen cancelled. However, insurance benefits will still apply for any benefit\nyou were eligible for prior to the date that your account is suspended or\ncancelled, subject 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 the\nclaim 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 there\nis an unresolved dispute concerning this EOC (including the cost of, lack of\nor actual repair or replacement arising from a loss or breakdown). Under this\nArbitration provision, You give up your right to resolve any dispute arising\nfrom this EOC by a judge and/or a jury. You also agree not to participate\nas a class representative or class member in any class action litigation, any\nclass arbitration or any consolidation of individual arbitrations. In arbitration, a\ngroup of three (3) arbitrators (each of whom is an independent, neutral third\nparty) will give a decision after hearing the parties\xe2\x80\x99 positions. The decision\nof a majority of the arbitrators will determine the outcome of the arbitration\nand the decision of the arbitrators shall be final and binding and cannot be\nreviewed or changed by, or appealed to, a court of law.\nTo start arbitration, the disputing party must make a written demand to the\nother party for arbitration. This demand must be made within one (1) year\nof the earlier of the date the loss occurred or the dispute arose. The parties\nwill each separately select an arbitrator. The two (2) arbitrators will select a\nthird arbitrator called an \xe2\x80\x9cumpire.\xe2\x80\x9d Each party will each pay the expense of\nthe arbitrator selected by that party. The expense of the umpire will be shared\nequally by the parties. Unless otherwise agreed to by the parties, the arbitration\n12\n\nBMO Harris Consumer Credit Cards\n\n\x0cwill take place in the county and state in which you live. The arbitration shall be\ngoverned by the Federal Arbitration Act (9 U.S.C.A. \xc2\xa7 1 et. seq.) and not by any\nstate law concerning arbitration. The rules of the American Arbitration Association\n(www.adr.org) will apply to any arbitration under this EOC. The laws of the state\nof New York (without giving effect to its conflict of law principles) govern all\nmatters arising out of or relating to this EOC and all transactions contemplated\nby this EOC, including, without limitation, the validity, interpretation, construction,\nperformance 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 these\nprograms. Due Diligence shall means the performance of all vigilant activity,\nattentiveness, and care that would be taken by a reasonable and prudent person in\nthe same or similar circumstances in order to guard and protect 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 you\nand/or the cardholder send the item to our administrator for salvage at your\nand/or cardholder\xe2\x80\x99s expense. Failure to remit the requested item for salvage to\nour 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 to only\nthose amounts not covered by any other insurance or indemnity. Coverage\nis subject to the conditions, limitations, and exclusions described in this\ndocument. In no event will this coverage apply as contributing insurance. This\nOther Insurance clause will take precedence over a similar clause found in\nother 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 provisions of\nthis Guide to Benefits is, to any extent and for any reason, held to be invalid\nor unenforceable, then such provision(s) shall be deemed severable from the\nremaining provisions of the Guide. In that event, all other provisions of this Guide\nshall remain valid and enforceable. Benefits listed in this Change to Guide to\nBenefits are subject to the conditions, limitations, and exclusions described in each\nbenefit section. Receipt and/or possession of this Change to Guide to Benefits\ndoes not guarantee coverage or coverage availability.\nThis Guide is intended as a summary of services, benefits, and coverages and, in\ncase of a conflict between the Guide and any master insurance policy(ies) or group\npolicy or actual offering shall control. Provision of services is subject to availability\nand applicable legal restrictions. The Guide to Benefits contains the entire\nagreement between you and us. Representations or promises made by anyone\nthat are not contained in the Guide to Benefits are not a part of your coverage.\n\nTo 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\xc2\xa92019 Mastercard\nGuide to Benefits\n\n13\n\n\x0c\xc2\xa9 2019 BMO Harris Bank N.A. (10/19)\t\t\t\n\n10062198\n\nBMO Harris Consumer Credit Cards\n\n19-1470\n\nF03-W644-6 -1019\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 are\nprovided by BMO Harris Bank N.A. Member FDIC\n\n\x0c'


b'Diners Club\xc2\xae Credit Card\nPricing Information Table\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n13.15%\n\nAPR for Cash Advances\n\n13.15%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the Post date.\n\nMinimum Interest Charge\n\nIf you are charged interest the charge will be no less than 50 cents.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\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 Purchase\nTransaction\n\n\xe2\x80\xa2 3% of each purchase transaction in US dollars.\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\nDetails About Your Interest Rates and\nInterest Calculations\nPurchases\nCash Advances\n\nDaily Periodic Rate\nAPR as of\nAs of 06/01/21\n06/01/21\n13.15% (v)\n0.03602\n13.15% (v)\n0.03602\n(v) = Variable rate\n\nFor variable rates:\nPrime Rates Plus\n9.90%\n9.90%\n\n\x0cAPRs Based on Prime. If any APR is based on the U.S. Prime Rate (\xe2\x80\x9cPrime Rate\xe2\x80\x9d), the APR will equal the\nPrime Rate plus the additional amount shown above. If the Prime Rate increases, it will cause the APR to\nincrease. If the Prime Rate decreases, it will cause the APR to decrease. For each billing period we use the\nPrime Rate published in The Wall Street Journal on the last day of each month. If the Wall Street Journal is\nnot published on that day, we will use the rate published in the immediately preceding edition. If the Prime\nRate causes an APR to change, we put the new APR into effect as of the first day of the billing period for\nwhich we calculate the APR. We apply the new APR to any existing balances, subject to any promotional\nrate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar\npublished rate.\nEffect of APR Increases. If an APR increases, interest charges increase. Your minimum payment may\nincrease as well.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (excluding current\npurchases) to calculate your purchase balance and \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including current advances) to\ncalculate your cash advance balance. See your Card Agreement for more details.\nPenalty Fees: A single violation of each type will not exceed $29. However, if another violation of the same\ntype occurs within six billing cycles, we will charge up to the maximum fee in the table above. The Late\nPayment and Returned Payment fees will not exceed the related Minimum Payment Due.\n\nBanking products and services are provided by BMO Harris Bank N.A. and are subject to credit approval. BMO Harris\xc2\xae and BMO Harris Bank\xc2\xae are trade\nnames used by BMO Harris Bank N.A. Member FDIC Diners Club\xc2\xae and Diners Club International with Split Circle Device are registered trademarks of\nDiners Club International Ltd.\n\nRev. 06/2021\n\n\x0c'


b'Diners Club\xc2\xae Carte Blanche Card\n\nPricing Information Table\nPayment Information\nEach month you must pay the New Balance in full by the Payment Due Date.\n\nFees\n\nTransaction Fees\n\xe2\x80\xa2 \x07Transaction Fee for Club Cash\xc2\xae Advances\n\xe2\x80\xa2 Foreign Transaction Fees\nPenalty Fees\n\xe2\x80\xa2 \x07Late Payment Fee\n\xe2\x80\xa2 Returned Payment Fee\n\n\xe2\x80\xa2 Primary Card Fee $300\n\xe2\x80\xa2 Additional Card Fee $150\n\n\xe2\x80\xa2 Either $4.00 or 4% of the amount of each cash advance, whichever is greater\n\xe2\x80\xa2 3% of each purchase transaction in U.S. dollars\n\n\xe2\x80\xa2 Up\n\x07\x07\x07 to $35. If you do not pay a Past Due amount for two consecutive billing cycles,\nyour fee will be up to $35 or 2.5% of the total Past Due amount\n\xe2\x80\xa2 Up to $29\n\n18-1265\n\nAnnual Membership Fee\n\n\x0c'