BMO Harris Bank �  Consumer 
    Credit Cards
              Rewards MasterCard �
    BMO Harris 
                 SM
    Rewards          
    Program Rules
                        SM
    BMO Harris Rewards     
    Program Rules
                                 �
    BMO Harris Bank Platinum Rewards MasterCard
                                 �
    BMO Harris Bank Premium Rewards MasterCard
    BMO Harris Premier Services Premium Rewards 
           �
    MasterCard
    BMO Wealth Management Premium Rewards 
           �
    MasterCard
    These Rules govern Cardholders� participation in 
    the BMO Harris Rewards Program (�Program�). 
    This Program allows Cardholders to earn points 
    that may be redeemed for various awards.
    �Cardholder� means the accountholder of an eligible 
    credit card (�Account�) issued by BMO Harris Bank N.A. 
    (�Bank�) except that for Accounts with more than one 
    borrower, �Cardholder� only means the primary account-
    holder for purposes of these Rules. �Cardholder� does 
    not include the Co-Borrower, secondary cardholder or 
    Authorizer User(s). For purposes of these Rules, we 
    may refer to the Bank as �we�, �us� and �our� and the 
    Cardholder as �you� and �your.� Eligible cards include a 
    BMO Harris Bank Platinum Rewards MasterCard, a BMO 
    Harris Bank Premium Rewards MasterCard, a BMO Harris 
    Premier Services Premium Rewards MasterCard, or a 
    BMO Wealth Management Premium Rewards MasterCard 
    (each a �Rewards Card�) issued for personal and not 
    business use. Points earned under the Program will 
    be credited to the Account of the Cardholder. Only the 
    Cardholder is permitted to authorize redemptions under 
    the Program. Co-Borrowers, secondary cardholders, and 
    Authorized Users are not parties to these Rules, and 
    are not entitled to benefits of the Program including 
    1                        Credit Cards
    making redemptions. By using or accepting an Account, 
    you agree to these Rules and any changes, additions 
    or deletions to them. Go to bmoharris.com/pdf/credit/
    rewardsconsumerpoints.pdf to view the most recent 
    version of the Rules.
    We issue and administer all Accounts. We manage the 
    Program while third party service providers (�Third Party 
    Service Providers�) administer the Program. Fulfillment 
    of all awards is handled by Third Party Service Providers.
    These Rules and Account transactions are also subject 
    to other agreements you may have with us, including 
    Cardholder Agreements and other agreements governing 
    the Account(s) referenced in the Cardholder Agreements 
    (each a �Governing Agreement�). The Cardholder 
    Agreement will govern in the event of any inconsistency 
    between the Governing Agreements and these Rules.
    The following are the general terms and conditions of 
    the Program and are subject to change by the Bank at 
    any time without notice. See the current award offers at 
    bmoharrisrewards.com for specific terms and conditions 
    applicable to each award.
    General
    1.  We offer the Program at our sole discretion. We 
      reserve the right to change these Rules and 
      awards and any fees associated with the Program 
      at any time, for any reason and without notice, or 
      may modify, suspend or end the Program, cancel 
      outstanding points or change the redemption value 
      of points or availability of awards. We may reverse 
      any points awarded to you in error, regardless of 
      cause, and such a reversal may cause you to have 
      negative points. If your Account is closed with 
      a negative points balance, we may charge your 
      Account for the value of those points. We assume no 
      liability for any such changes.
    2.  We reserve the right to cancel your participation 
      in the Program, close your Account and cause you 
    BMO Harris Rewards SM  Program Rules 2
      to forfeit your points without notice in the event 
      of fraud or abuse of the Program privileges, your 
      violation of the Rules, or patterns suggesting 
      improper use of the Program.
    3.  We reserve the right to suspend your participation 
      in the Program, which may include the accrual of 
      additional points and the redemption of points for 
      an award, if your Account is not in good standing. 
      Upon bringing your Account into good standing, your 
      participation in the Program will be reinstituted, but 
      points previously forfeited or eliminated will not  
      be reinstated.
    4.  The Bank, our affiliates or Third Party Service 
      Providers may monitor and record your telephone 
      calls regarding the Program. You agree that the 
      Bank, our affiliates or Third Party Service Providers 
      may from time to time make calls and send text 
      messages to you using pre-recorded/artificial voice 
      messages and/or through the use of an automatic 
      dialing device at any telephone number associated 
      with the Account, including mobile telephone 
      numbers that could result in charges to you. You also 
      expressly agree that we may send e-mail messages 
      regarding the Program to any e-mail address you 
      provide to the Bank, our affiliates or Third Party 
      Service Providers.
    5.  You are responsible for any tax liability related to 
      participation in the Program or as a result of points 
      earned or redeemed.
    6.  You may be responsible for payment of any 
      departure taxes, customs fees, checked baggage 
      fees, excess baggage charges, security taxes, 
      passenger facility charges, air segment taxes or  
      any other charges assessed by governmental  
      entities or carriers as a result of travel redeemed 
    3                        Credit Cards
      from this Program, as well as any shipping, courier, 
      fulfillment or certificate fees associated with awards 
      under the Program.
    7.  The Program is void where prohibited by law.
    8.  We are not responsible for administering the Program 
      or providing services under the Program. We are not 
      responsible for errors or omissions in any Program 
      document. We are not liable to you or any recipient 
      of services or awards arising from, or related to, the 
      services or rewards issued under the Program.
    9.  You and any recipient of services or awards received 
      through the Program hold us, our affiliates, and Third 
      Party Service Providers harmless in connection with 
      any injuries and damages of every kind and nature 
      arising in connection with or as a result of claiming 
      and redeeming points and with your receipt of and 
      use of an award. You waive and release any and all 
      rights, demands, losses, liabilities, claims and causes 
      of action whatsoever that you may now or hereafter 
      be entitled to assert, including, but not limited to, 
      any death, injury, loss of enjoyment or other harm or 
      loss of any nature whatsoever caused by, contributed 
      to, or arising out of your participation in the Program. 
      You further agree to hold us, our affiliates and Third 
      Party Service Providers harmless if an award vendor 
      or provider files bankruptcy, or otherwise goes out of 
      business, after you have redeemed your points for an 
      award from the vendor or provider but before you are 
      able to receive or use the award.
    10. Capitalized terms used and not defined herein have 
      the definitions provided in the Governing Agreement.
    11. We reserve the right to interpret Rules and Program 
      policies and will be the final authority on point 
      credits and award qualifications.
    BMO Harris Rewards SM  Program Rules 4
    Earning Points                            5451, 5462, 5499, 5541, 5542 or 5983), rounded 
                                              to the nearest whole dollar. Bonus earn is only 
    1.  Base Earn: You will earn one (1) base point for 
                                              available on the first $2,500 of net eligible gas 
      every one United States dollar ($1.00) in eligible 
                                              and/or grocery purchases within a calendar 
      purchases rounded to the nearest whole dollar (i.e., 
                                              quarter. After the $2,500 cap is met within 
      a $5.49 purchase would round down to $5.00 while 
                                              a calendar quarter, you will earn at the base 
      a $5.50 purchase would round up to $6.00 prior to 
                                              rate in those categories until the next calendar 
      being scored) made on a BMO Harris Bank Platinum 
                                              quarter begins and the cap is reset.
      Rewards MasterCard, BMO Harris Bank Premium 
      Rewards MasterCard, BMO Harris Premier Services  ii.  BMO Harris Bank Premium Rewards MasterCard 
      Premium Rewards MasterCard, or a BMO Wealth  and BMO Harris Premier Services Premium 
      Management Premium Rewards MasterCard. There   Rewards MasterCard: You will earn two (2) 
      is no cap on the amount of base points that can   bonus points for every one United States 
      be earned.                              dollar ($1.00) in eligible dining, airfare and/or 
                                              hotel purchases (bonus earn category eligible 
    2.  Bonus Earn: 
                                              dining, airfare and/or hotel purchases include 
     �  Category Bonus Earn:                  transactions coded by the merchant with MCC 
       i.  BMO Harris Bank Platinum Rewards MasterCard:  3000 � 3299, 3501 � 3999, 4511, 5812, 5813, 
         You will earn an additional one (1) bonus point  5814 or 7011), rounded to the nearest whole 
         for every one United States dollar ($1.00) in  dollar (i.e., a $150.49 dining purchase would 
         eligible gas and/or grocery purchases (bonus  be multiplied by 2 then rounded to determine 
         earn category eligible gas and grocery purchases  how many bonus points you can earn). Bonus 
         include transactions coded by the merchant  points are only earned on the first $2,500 of net 
         with Merchant Category Code (�MCC�) 5411,  eligible dining, airfare and/or hotel purchases 
     Summary of Bonus and Earn Rates
     Product Name *           Base Earn  Bonus Earn  Bonus Earn  Overall Earn  Anniversary 
                              Rate     Categories Rates on Bonus  Bonus
                                                        Categories
     BMO Harris Bank          1 point per $1 Gas and Grocery 1 point per $1 2 points per $1 10%
     Platinum Rewards MasterCard
     BMO Harris Bank          1 point per $1 Dining, Airfare,   2 points per $1 3 points per $1 15%
     Premium Rewards MasterCard        and Hotel
     BMO Harris Premier Services   1 point per $1 Dining, Airfare,   2 points per $1 3 points per $1 15%
     Premium Rewards MasterCard        and Hotel
     BMO Wealth Management    1 point per $1 Dining, Airfare,   2 points per $1 3 points per $1 20%
     Premium Rewards MasterCard        and Hotel
    *Products that are eligible for Product Change may have special rules related 
    to earn rates and some bonuses may not apply.  See Earning Points, Section 13 
    for more information.
    5                        Credit Cards BMO Harris Rewards SM  Program Rules 6
 Earning Points 5451, 5462, 5499, 5541, 5542 or 5983), rounded 
         to the nearest whole dollar. Bonus earn is only 
 1.  Base Earn: You will earn one (1) base point for 
         available on the first $2,500 of net eligible gas 
 every one United States dollar ($1.00) in eligible 
         and/or grocery purchases within a calendar 
 purchases rounded to the nearest whole dollar (i.e., 
         quarter. After the $2,500 cap is met within 
 a $5.49 purchase would round down to $5.00 while 
         a calendar quarter, you will earn at the base 
 a $5.50 purchase would round up to $6.00 prior to 
         rate in those categories until the next calendar 
 being scored) made on a BMO Harris Bank Platinum 
         quarter begins and the cap is reset.
 Rewards MasterCard, BMO Harris Bank Premium 
 Rewards MasterCard, BMO Harris Premier Services  ii.  BMO Harris Bank Premium Rewards MasterCard 
 Premium Rewards MasterCard, or a BMO Wealth  and BMO Harris Premier Services Premium 
 Management Premium Rewards MasterCard. There   Rewards MasterCard: You will earn two (2) 
 is no cap on the amount of base points that can   bonus points for every one United States 
 be earned. dollar ($1.00) in eligible dining, airfare and/or 
         hotel purchases (bonus earn category eligible 
 2.  Bonus Earn: 
         dining, airfare and/or hotel purchases include 
 �  Category Bonus Earn: transactions coded by the merchant with MCC 
 i.  BMO Harris Bank Platinum Rewards MasterCard:  3000 � 3299, 3501 � 3999, 4511, 5812, 5813, 
 You will earn an additional one (1) bonus point  5814 or 7011), rounded to the nearest whole 
 for every one United States dollar ($1.00) in  dollar (i.e., a $150.49 dining purchase would 
 eligible gas and/or grocery purchases (bonus  be multiplied by 2 then rounded to determine 
 earn category eligible gas and grocery purchases  how many bonus points you can earn). Bonus 
 include transactions coded by the merchant  points are only earned on the first $2,500 of net 
 with Merchant Category Code (�MCC�) 5411,  eligible dining, airfare and/or hotel purchases 
 Summary of Bonus and Earn Rates
 Product Name Base Earn  Bonus Earn  Bonus Earn  Overall Earn  Anniversary 
 Rate Categories Rates on Bonus  Bonus
                   Categories
 BMO Harris Bank   1 point per $1 Gas and Grocery 1 point per $1 2 points per $1 10%
 Platinum Rewards MasterCard
 BMO Harris Bank   1 point per $1 Dining, Airfare,   2 points per $1 3 points per $1 15%
 Premium Rewards MasterCard and Hotel
 BMO Harris Premier Services   1 point per $1 Dining, Airfare,   2 points per $1 3 points per $1 15%
 Premium Rewards MasterCard and Hotel
 BMO Wealth Management   1 point per $1 Dining, Airfare,   2 points per $1 3 points per $1 20%
 Premium Rewards MasterCard and Hotel
 5 Credit Cards BMO Harris Rewards SM  Program Rules 6
         within a calendar quarter. After the $2,500 cap  
         is met within a calendar quarter, you will 
         continue to earn at the base rate in those 
         categories until the next calendar quarter begins 
         and the cap is reset.
       iii. BMO Harris Bank Wealth Management Premium 
         Rewards MasterCard: You will earn two (2) 
         bonus points for every one United States 
         dollar ($1.00) in eligible dining, airfare and/or 
         hotel purchases (bonus earn category eligible 
         dining, airfare and/or hotel purchases include 
         transactions coded by the merchant with MCC 
         3000 � 3299, 3501 � 3999, 4511, 5812, 5813, 
         5814 or 7011), rounded to the nearest whole 
         dollar (i.e., a $150.49 dining purchase would be 
         multiplied by 2 then rounded to determine how 
         many bonus points you can earn). There is no 
         cap on the amount of bonus points earned.
     �  Anniversary Bonus Earn:
       i.  BMO Harris Bank Platinum Rewards MasterCard: 
         You will earn an Anniversary bonus equal 
         to ten percent (10%) of total net purchases 
         made in the calendar year since the Account�s 
         Anniversary date.
       ii.  BMO Harris Bank Premium Rewards MasterCard 
         and BMO Harris Premier Services Premium 
         Rewards MasterCard: You will earn an 
         Anniversary bonus equal to fifteen percent (15%) 
         of total net purchases made in the calendar year 
         since the Account�s Anniversary date.
       iii.  BMO Harris Wealth Management Premium 
         Rewards MasterCard: You will earn an Anniversary 
         bonus equal to twenty percent (20%) of the total 
         net purchases made in the calendar year since 
         the Account�s Anniversary date.
    7                        Credit Cards
       iv.  Your Account must be in good standing at the 
         time the Anniversary bonus is calculated in order 
         to earn the Anniversary bonus. The Anniversary 
         bonus will be applied to the Account 4 � 6 weeks 
         after your Anniversary date. For purposes of these 
         Rules, your �Anniversary� is the date that is twelve 
         months after the Account�s enrollment date, and 
         the same date each twelve months thereafter.
    3.  Net purchases are the dollar value of goods and 
      services purchased on an Account minus any credits, 
      returns or other adjustments as reflected on monthly 
      billing statements. Accounts are eligible for point 
      accrual upon account opening.
    4.  All credits and/or returns will result in a debit of the 
      same amount of points that were originally earned.
    5.  Negative points will post if your returns or credits 
      exceed your purchases for the monthly billing period.
    6.  Transactions that are not eligible purchases for 
      purposes of point calculation include but are not 
      limited to: cash advances, balance transfers, cash 
      advances designated as purchases, traveler�s checks, 
      money orders, and purchases of foreign currency, 
      convenience checks, wire transfers, ATM withdrawals 
      and insurance charges. Fees and card-related 
      charges posted to an Account, including late fees, 
      over-limit fees, annual fees and interest charges as 
      contained in the applicable Governing Agreement 
      also are excluded from the calculation of eligible 
      purchases. Additional transactions excluded from 
      calculation of eligible purchases include: gaming-
      related transactions (including, without limitation, 
      gambling chips, off-track wagers or lottery ticket 
      transactions), tax payments and any unauthorized 
      charges or transactions.
    BMO Harris Rewards SM  Program Rules 8
    7.  If the Account is closed for any reason (other than 
      fraud or other security concerns), including inactivity 
      or non-renewal, the Account will no longer be able to 
      accrue points and all accrued points not claimed and 
      redeemed for that Account will be forfeited. 
    8.  Points for eligible purchases made to a Rewards 
      Card held by a Co-Borrower, secondary cardholder, 
      Authorized User or any other individual other than 
      you will be credited to your Account.
    9.  Rewards Card points are calculated by transaction. 
      Transactions and their projected earnings are 
      viewable under the Earnings section of Account 
      Activity at bmoharrisrewards.com daily. Rewards Card 
      points earned during a billing cycle are not available 
      for redemption until they are posted on your monthly 
      billing statement and transferred to your available 
      points balance. Your available points balance will 
      display on bmoharrisrewards.com. Your available 
      points balance is also available by calling the BMO 
      Harris Rewards Redemption Center (�Redemption 
      Center�) at 1-800-610-8987. Redemption Center hours 
      of operation are from 8 a.m. to 8 p.m. Central Time, 
      seven (7) days a week, excluding federal holidays.
    10. If you have more than one type of Rewards Card 
      specifically addressed by these Rules (refer to 
      the beginning of these Program Rules for a list of 
      applicable Rewards Cards), points earned on each 
      such Rewards Card may be combined into one point 
      balance, upon request. Points earned on other BMO 
      Harris Bank rewards credit cards not addressed by 
      these Rules cannot be combined with points earned 
      from a Rewards Card. If you are the Cardholder 
      of more than one Rewards Card covered by these 
      Program Rules, you may call the Redemption Center 
      to have your points pooled. As long as at least one 
      Account in the pooling is in good standing, you may 
      continue to earn and redeem pooled points.
    9                        Credit Cards         within a calendar quarter. After the $2,500 cap  
         is met within a calendar quarter, you will 
         continue to earn at the base rate in those 
         categories until the next calendar quarter begins 
         and the cap is reset.
    11. There is no expiration on points earned on Rewards  iii. BMO Harris Bank Wealth Management Premium 
    11. There is no expiration on points earned on Rewards  11. There is no expiration on points earned on Rewards 
      Cards. Rewards MasterCard: You will earn two (2) 
      Cards. Cards.
         bonus points for every one United States 
    12. Points and rewards are not considered your property 
    12. Points and rewards are not considered your property  12. Points and rewards are not considered your property  dollar ($1.00) in eligible dining, airfare and/or 
      and cannot be transferred to any other Account, 
      and cannot be transferred to any other Account,  and cannot be transferred to any other Account,  hotel purchases (bonus earn category eligible 
      person or entity.
      person or entity. person or entity. dining, airfare and/or hotel purchases include 
    1.  13. A request to change your current card type (�Current  transactions coded by the merchant with MCC 
    Redeeming Points
    Redeeming Points Redeeming Points Card�) to a different card type (�Product Change  3000 � 3299, 3501 � 3999, 4511, 5812, 5813, 
    1.  Points may be redeemed for a variety of awards,  Card�) without opening a new Account is a Product  5814 or 7011), rounded to the nearest whole 
    1.  1.  Points may be redeemed for a variety of awards,  Points may be redeemed for a variety of awards, 
      as indicated in the catalog (�Catalog�) on the  Change request.  Product Change requests are  dollar (i.e., a $150.49 dining purchase would be 
      as indicated in the catalog (�Catalog�) on the  as indicated in the catalog (�Catalog�) on the 
      Program website, including airline tickets, vacation  subject to the terms and conditions provided with  multiplied by 2 then rounded to determine how 
      Program website, including airline tickets, vacation  Program website, including airline tickets, vacation 
      packages, cruises, hotel reservations, merchandise,  a Product Change request as well as any applicable  many bonus points you can earn). There is no 
      packages, cruises, hotel reservations, merchandise,  packages, cruises, hotel reservations, merchandise, 
      gift cards, digital awards, and statement credits. For  Governing Agreements.  cap on the amount of bonus points earned.
      gift cards, digital awards, and statement credits. For  gift cards, digital awards, and statement credits. For 
      a complete listing of all possible awards available 
          Transferring Points: �  a complete listing of all possible awards available  a complete listing of all possible awards available  Anniversary Bonus Earn:
      for redemption, in addition to their current value, 
      for redemption, in addition to their current value,  for redemption, in addition to their current value, 
       i.    i.  BMO Harris Bank Platinum Rewards MasterCard:  If both your Current Card and your Product Change 
      terms and conditions, the full Catalog is available at 
      terms and conditions, the full Catalog is available at  terms and conditions, the full Catalog is available at 
         You will earn an Anniversary bonus equal  Card are Rewards Cards that earn points (not Cash 
      bmoharrisrewards.com. All awards are subject to  
      bmoharrisrewards.com. All awards are subject to   bmoharrisrewards.com. All awards are subject to  
         to ten percent (10%) of total net purchases  Back), the available points on your Current Card 
      the terms and conditions of the applicable merchant 
      the terms and conditions of the applicable merchant  the terms and conditions of the applicable merchant 
         made in the calendar year since the Account�s  will transfer to your Product Change Card at a 1:1 
      or manufacturer. 
      or manufacturer.  or manufacturer. 
         Anniversary date. rate.  
    2.  For your available point balance, to view the 
    2.  2.  For your available point balance, to view the  For your available point balance, to view the 
       ii.   ii.  BMO Harris Bank Premium Rewards MasterCard  If your Current Card is a Cash Back Card and your 
      Catalog and pricing, or to make a redemption, visit 
      Catalog and pricing, or to make a redemption, visit  Catalog and pricing, or to make a redemption, visit 
         and BMO Harris Premier Services Premium  Product Change Card is a Rewards Card that earns 
      bmoharrisrewards.com or call the Redemption 
      bmoharrisrewards.com or call the Redemption  bmoharrisrewards.com or call the Redemption 
         Rewards MasterCard: You will earn an  points, your available cash back balance will be 
      Center at 1-800-610-8987. Redemption Center hours 
      Center at 1-800-610-8987. Redemption Center hours  Center at 1-800-610-8987. Redemption Center hours 
         Anniversary bonus equal to fifteen percent (15%)  converted into points by multiplying the balance 
      of operation are from 8 a.m. to 8 p.m. Central Time, 
      of operation are from 8 a.m. to 8 p.m. Central Time,  of operation are from 8 a.m. to 8 p.m. Central Time, 
         of total net purchases made in the calendar year  by 100 and transferred to your Product Change 
      seven (7) days a week, excluding federal holidays. 
      seven (7) days a week, excluding federal holidays.  seven (7) days a week, excluding federal holidays. 
         since the Account�s Anniversary date. Card. For example, if your Current Card has an 
      You must contact the Redemption Center to return  
      You must contact the Redemption Center to return   You must contact the Redemption Center to return  
         available cash back balance of $125 at the time of 
      an award or check on the status of a redemption at  iii.  BMO Harris Wealth Management Premium 
      an award or check on the status of a redemption at  an award or check on the status of a redemption at 
         Product Change, we will multiply $125 by 100 and 
      this time. Rewards MasterCard: You will earn an Anniversary 
      this time. this time.
         transfer 12,500 points to your Product Change Card.
         bonus equal to twenty percent (20%) of the total 
    3.  Points earned during a billing cycle are not eligible 
    3.  3.  Points earned during a billing cycle are not eligible  Points earned during a billing cycle are not eligible 
       iii.  net purchases made in the calendar year since  If your Current Card earns points (not Cash Back) 
      for redemption until they are posted on your monthly 
      for redemption until they are posted on your monthly  for redemption until they are posted on your monthly 
         the Account�s Anniversary date. and your Product Change Card is a Cash Back Card, 
      billing statement and transferred to your available 
      billing statement and transferred to your available  billing statement and transferred to your available 
         your available points balance will be converted 
      points balance. The available points balance can be 
      points balance. The available points balance can be  points balance. The available points balance can be 
         into cash back by dividing the balance by 100. For 
      viewed on bmoharrisrewards.com once you have 
      viewed on bmoharrisrewards.com once you have  viewed on bmoharrisrewards.com once you have 
         example, if you have an available points balance 
      authenticated or logged in.
      authenticated or logged in. authenticated or logged in.
         of 12,500 points at the time of Product Change, we 
         will divide 12,500 by 100 and transfer $125 cash 
    7                        Credit Cards
         back to your Product Change Card.
       iv.   If your Current Card earns points or cash back and 
         your Product Change Card does not earn points or 
    BMO Harris Rewards SM
    BMO Harris Rewards BMO Harris Rewards SM SM  Program Rules 10
               Program Rules  Program Rules 10 10         within a calendar quarter. After the $2,500 cap  
         is met within a calendar quarter, you will 
         continue to earn at the base rate in those 
         categories until the next calendar quarter begins 
         and the cap is reset.
         within a calendar quarter. After the $2,500 cap  
       iii. BMO Harris Bank Wealth Management Premium 
         is met within a calendar quarter, you will 
         Rewards MasterCard: You will earn two (2) 
         continue to earn at the base rate in those 
         bonus points for every one United States 
         categories until the next calendar quarter begins 
         dollar ($1.00) in eligible dining, airfare and/or 
         and the cap is reset.
         hotel purchases (bonus earn category eligible 
    4.  Only you may redeem points. Any individual other  iii. BMO Harris Bank Wealth Management Premium  cash back, you will have 90 days after the date of 
         dining, airfare and/or hotel purchases include 
      than the Cardholder of the Account is not permitted  Rewards MasterCard: You will earn two (2)  Product Change to redeem any available points or 
         transactions coded by the merchant with MCC 
      to redeem points, including a Co-Borrower, secondary  bonus points for every one United States  cash back on your account.
         3000 � 3299, 3501 � 3999, 4511, 5812, 5813, 
      cardholder or Authorized User. But awards, including  dollar ($1.00) in eligible dining, airfare and/or 
       v.     5814 or 7011), rounded to the nearest whole  Any transferred rewards balances are subject to 
      airline tickets, may be issued in the name of another  hotel purchases (bonus earn category eligible 
         dollar (i.e., a $150.49 dining purchase would be  these Rules. If you request a Product Change, 
      person designated by you.  dining, airfare and/or hotel purchases include 
         multiplied by 2 then rounded to determine how  you may experience a temporary delay in access-
         transactions coded by the merchant with MCC 
    5.  Points may not be used with any other discount or  many bonus points you can earn). There is no  ing your available points while we process your 
         3000 � 3299, 3501 � 3999, 4511, 5812, 5813, 
      coupon offer. Points may not be used as payment  cap on the amount of bonus points earned. request.
         5814 or 7011), rounded to the nearest whole 
      for any obligation owed to us, unless otherwise 
      �  Earning Points: Anniversary Bonus Earn:
         dollar (i.e., a $150.49 dining purchase would be 
      permitted in special promotional offers. No cash 
       i. i.  multiplied by 2 then rounded to determine how  BMO Harris Bank Platinum Rewards MasterCard:  The base and bonus earn rates for your Product 
      refunds will be issued on redemption of points.
         many bonus points you can earn). There is no  You will earn an Anniversary bonus equal  Change Card will begin with transactions that post 
    6.  Unless otherwise specified, all awards are sent to 
         cap on the amount of bonus points earned. to ten percent (10%) of total net purchases  after the date of Product Change.
      your statement mailing address postage prepaid. 
         made in the calendar year since the Account�s 
     �  Bonus Points: Anniversary Bonus Earn:
    7.  All awards are subject to availability and fulfillment  Anniversary date.
       i.   i.  BMO Harris Bank Platinum Rewards MasterCard:  Any Anniversary bonus will be calculated based 
      fees, if and when they are applicable. Awards may 
       ii.  BMO Harris Bank Premium Rewards MasterCard 
         You will earn an Anniversary bonus equal  upon the Rules that apply to the product that you 
      be discontinued or withdrawn without notice. The 
         and BMO Harris Premier Services Premium 
         to ten percent (10%) of total net purchases  are in at the time of Anniversary calculation. 
      redemption value of awards may be changed at any 
         Rewards MasterCard: You will earn an 
      time without notice. If you are denied any kind of  ii.    made in the calendar year since the Account�s  If you complete a Product Change from a Rewards 
         Anniversary bonus equal to fifteen percent (15%) 
         Anniversary date.
      benefit of the Program to which you are entitled,   Card to another Rewards Card, your Anniversary 
         of total net purchases made in the calendar year 
      our liability shall be limited to your earned portion   ii.  BMO Harris Bank Premium Rewards MasterCard  date does not change.  If you complete a Product 
     11. There is no expiration on points earned on Rewards  since the Account�s Anniversary date.
      of the benefit. Cards. and BMO Harris Premier Services Premium  Change from a non-Rewards Card to a Rewards 
       iii.  BMO Harris Wealth Management Premium 
         Rewards MasterCard: You will earn an  Card, your Anniversary date will be the date of 
    8.  Neither us, our affiliates, nor Third Party Service 
     12. Points and rewards are not considered your property  Rewards MasterCard: You will earn an Anniversary 
         Anniversary bonus equal to fifteen percent (15%)  your Product Change date.
      Providers are responsible for lost, stolen, or damaged 
       and cannot be transferred to any other Account,  bonus equal to twenty percent (20%) of the total 
         of total net purchases made in the calendar year 
      correspondence or documents. iii.    Unless otherwise specified, a Product Change Card 
       person or entity. net purchases made in the calendar year since 
         since the Account�s Anniversary date. is not eligible for an Introductory Bonus of points.
    9.  You have sole responsibility for any charges over  the Account�s Anniversary date.
       iii.  BMO Harris Wealth Management Premium 
      and above the stated value of the retail gift cards, 
     Redeeming Points
         Rewards MasterCard: You will earn an Anniversary 
      e-certificates, merchandise, digital awards, hotel 
     1.  Points may be redeemed for a variety of awards,  bonus equal to twenty percent (20%) of the total 
      reservations, cruises, vacation packages or airline 
       as indicated in the catalog (�Catalog�) on the  net purchases made in the calendar year since 
      tickets. Any additional charges will be charged to  
       Program website, including airline tickets, vacation  the Account�s Anniversary date.
      the BMO Harris Bank credit card you designate, 
    7  packages, cruises, hotel reservations, merchandise,  Credit Cards
      subject to any applicable Account restrictions (such  
       gift cards, digital awards, and statement credits. For 
      as credit limits).
       a complete listing of all possible awards available 
    10. Points have no cash value.
       for redemption, in addition to their current value, 
       terms and conditions, the full Catalog is available at 
    7  bmoharrisrewards.com. All awards are subject to   Credit Cards
       the terms and conditions of the applicable merchant 
       or manufacturer. 
     2.  For your available point balance, to view the 
       Catalog and pricing, or to make a redemption, visit 
    11                       Credit Cards
       bmoharrisrewards.com or call the Redemption 
       Center at 1-800-610-8987. Redemption Center hours 
       of operation are from 8 a.m. to 8 p.m. Central Time, 
       seven (7) days a week, excluding federal holidays. 
       You must contact the Redemption Center to return  
       an award or check on the status of a redemption at 
       this time.
     3.  Points earned during a billing cycle are not eligible 
       for redemption until they are posted on your monthly 
       billing statement and transferred to your available 
       points balance. The available points balance can be 
       viewed on bmoharrisrewards.com once you have 
       authenticated or logged in.
     BMO Harris Rewards SM  Program Rules 10    11. There is no expiration on points earned on Rewards 
      Cards.
    12. Points and rewards are not considered your property 
      and cannot be transferred to any other Account, 
      person or entity.
    Redeeming Points
    1.  Points may be redeemed for a variety of awards, 
      as indicated in the catalog (�Catalog�) on the 
      Program website, including airline tickets, vacation 
      packages, cruises, hotel reservations, merchandise, 
      gift cards, digital awards, and statement credits. For 
      a complete listing of all possible awards available 
      for redemption, in addition to their current value, 
      terms and conditions, the full Catalog is available at 
      bmoharrisrewards.com. All awards are subject to  
      the terms and conditions of the applicable merchant 
      or manufacturer. 
    2.  Awards For your available point balance, to view the 
      Catalog and pricing, or to make a redemption, visit 
    Airline Tickets
      bmoharrisrewards.com or call the Redemption 
    1.  You may redeem points for a scheduled ticket on 
      Center at 1-800-610-8987. Redemption Center hours 
      a major airline carrier, providing that the fares, 
      of operation are from 8 a.m. to 8 p.m. Central Time, 
      schedules, and ability to generate an electronic 
      seven (7) days a week, excluding federal holidays. 
      ticket are possible through the BMO Harris Rewards 
      You must contact the Redemption Center to return  
      program, by visiting the bmoharrisrewards.com 
      an award or check on the status of a redemption at 
      website or calling the Redemption Center.
      this time.
    2.  Reservations for tickets exclude the use of charters, 
    3.  Points earned during a billing cycle are not eligible 
      wholesalers and consolidators, as well as any 
      for redemption until they are posted on your monthly 
      fares that are not published, available through the 
      billing statement and transferred to your available 
      BMO Harris Rewards program, and/or available for 
      points balance. The available points balance can be 
      ticketing through a certified travel agency.
      viewed on bmoharrisrewards.com once you have 
      authenticated or logged in.
    3.  Participating air carriers are subject to change. 
    4.  Only you may redeem points. Any individual other 
    4.  You may elect not to use points for the full fare 
      than the Cardholder of the Account is not permitted 
      amount of the airline ticket. 
      to redeem points, including a Co-Borrower, secondary 
      cardholder or Authorized User. But awards, including 
    5.  Reservation and ticketing must be completed at time 
      airline tickets, may be issued in the name of another 
      of redemption. 
      person designated by you. 
    6.  Tickets may be purchased in any individual�s name. 
    BMO Harris Rewards 5.  SM
      Points may not be used with any other discount or   Program Rules 10
      The names of all passengers must match their 
      coupon offer. Points may not be used as payment 
      government-issued ID and most airlines do not  
      for any obligation owed to us, unless otherwise 
      allow changes to passenger names once a ticket  
      permitted in special promotional offers. No cash 
      has been issued.
      refunds will be issued on redemption of points.
    6.  7.  Airline ticket awards may not be used in conjunction  Unless otherwise specified, all awards are sent to 
      with any type of coupons, vouchers, Internet fares or  your statement mailing address postage prepaid. 
      companion fares.
    7.  All awards are subject to availability and fulfillment 
      fees, if and when they are applicable. Awards may 
    8.  All taxes and the September 11th Security Fee are 
      be discontinued or withdrawn without notice. The 
      included in the stated fare.
      redemption value of awards may be changed at any 
    9.  time without notice. If you are denied any kind of  Any applicable baggage fees or any additional 
      benefit of the Program to which you are entitled,   charges by the airlines, such as incidentals, are the 
      our liability shall be limited to your earned portion   responsibility of the passenger.
      of the benefit.
    10. All travel itineraries and supporting documentation 
    8.  Neither us, our affiliates, nor Third Party Service 
      will be sent via email and may be accessed through 
      Providers are responsible for lost, stolen, or damaged 
      bmoharrisrewards.com. 
      correspondence or documents.
    BMO Harris Rewards 9.  You have sole responsibility for any charges over  SM  Program Rules 12
      and above the stated value of the retail gift cards, 
      e-certificates, merchandise, digital awards, hotel 
      reservations, cruises, vacation packages or airline 
      tickets. Any additional charges will be charged to  
      the BMO Harris Bank credit card you designate, 
      subject to any applicable Account restrictions (such  
      as credit limits).
    10. Points have no cash value.
    11                       Credit Cards    4.  4.  Only you may redeem points. Any individual other  Only you may redeem points. Any individual other 
      than the Cardholder of the Account is not permitted  than the Cardholder of the Account is not permitted 
      to redeem points, including a Co-Borrower, secondary  to redeem points, including a Co-Borrower, secondary 
      cardholder or Authorized User. But awards, including  cardholder or Authorized User. But awards, including 
      airline tickets, may be issued in the name of another  airline tickets, may be issued in the name of another 
      person designated by you.  person designated by you. 
    5.  5.  Points may not be used with any other discount or  Points may not be used with any other discount or 
      coupon offer. Points may not be used as payment  coupon offer. Points may not be used as payment 
      for any obligation owed to us, unless otherwise  for any obligation owed to us, unless otherwise 
      permitted in special promotional offers. No cash  permitted in special promotional offers. No cash 
      refunds will be issued on redemption of points. refunds will be issued on redemption of points.
    6.  6.  Unless otherwise specified, all awards are sent to  Unless otherwise specified, all awards are sent to 
      your statement mailing address postage prepaid.  your statement mailing address postage prepaid. 
    7.  7.  All awards are subject to availability and fulfillment  All awards are subject to availability and fulfillment 
      fees, if and when they are applicable. Awards may  fees, if and when they are applicable. Awards may 
      be discontinued or withdrawn without notice. The  be discontinued or withdrawn without notice. The 
      redemption value of awards may be changed at any  redemption value of awards may be changed at any 
      time without notice. If you are denied any kind of  time without notice. If you are denied any kind of 
      benefit of the Program to which you are entitled,   benefit of the Program to which you are entitled,  
      our liability shall be limited to your earned portion   our liability shall be limited to your earned portion  
      of the benefit. of the benefit.
    8.  8.  11. Airline tickets are non-refundable and non- Neither us, our affiliates, nor Third Party Service  Neither us, our affiliates, nor Third Party Service 
      Providers are responsible for lost, stolen, or damaged  changeable unless permitted by the terms of the  Providers are responsible for lost, stolen, or damaged 
      correspondence or documents. correspondence or documents. fare. If changes to an itinerary are later necessary, 
      you may contact the Redemption Center with your 
    9.  9.  You have sole responsibility for any charges over  You have sole responsibility for any charges over 
      request up to 5 days prior to the travel date. Changes 
      and above the stated value of the retail gift cards,  and above the stated value of the retail gift cards, 
      may incur additional costs such as airline penalty 
      e-certificates, merchandise, digital awards, hotel  e-certificates, merchandise, digital awards, hotel 
      fees, increased fares, and service fees that will be 
      reservations, cruises, vacation packages or airline  reservations, cruises, vacation packages or airline 
      applied to your BMO Harris Bank credit card. In the 
      tickets. Any additional charges will be charged to   tickets. Any additional charges will be charged to  
      instance that a refund is due, it will be processed 
      the BMO Harris Bank credit card you designate,  the BMO Harris Bank credit card you designate, 
      within 4 to 6 weeks and will post in the manner in 
      subject to any applicable Account restrictions (such   subject to any applicable Account restrictions (such  
      which redemption was made (i.e., if reservation was 
      as credit limits). as credit limits).
      made with all points, it will be refunded in points; if 
    10. Points have no cash value. Awards 10. Points have no cash value.
      the reservation was charged to your BMO Harris Bank 
    Awards
    Awards
    Awards credit card, it will be refunded back to your BMO 
    Airline Tickets Awards
    Airline Tickets
    Airline Tickets Harris Bank credit card).
    1.  Airline Tickets You may redeem points for a scheduled ticket on 
    1.  Airline Tickets You may redeem points for a scheduled ticket on 
    1.  You may redeem points for a scheduled ticket on 
    1.  You may redeem points for a scheduled ticket on  a major airline carrier, providing that the fares, 
    12. The Bank, our affiliates and Third Party Service  1.  a major airline carrier, providing that the fares,  You may redeem points for a scheduled ticket on 
      a major airline carrier, providing that the fares, 
      a major airline carrier, providing that the fares,  schedules, and ability to generate an electronic 
      schedules, and ability to generate an electronic  Providers are not responsible for any lost or  a major airline carrier, providing that the fares, 
      schedules, and ability to generate an electronic 
      ticket are possible through the BMO Harris Rewards  schedules, and ability to generate an electronic 
      schedules, and ability to generate an electronic  damaged luggage. ticket are possible through the BMO Harris Rewards 
      ticket are possible through the BMO Harris Rewards 
      program, by visiting the bmoharrisrewards.com  ticket are possible through the BMO Harris Rewards 
      ticket are possible through the BMO Harris Rewards  program, by visiting the bmoharrisrewards.com 
    11 11 program, by visiting the bmoharrisrewards.com  Credit Cards Credit Cards
    13. The Bank and Third Party Service Providers are   website or calling the Redemption Center. program, by visiting the bmoharrisrewards.com 
      website or calling the Redemption Center. program, by visiting the bmoharrisrewards.com 
      website or calling the Redemption Center.
      not responsible for communication of airline  website or calling the Redemption Center.
    2.  Reservations for tickets exclude the use of charters,  website or calling the Redemption Center.
    2.  Reservations for tickets exclude the use of charters, 
    2.  Reservations for tickets exclude the use of charters,  schedule changes. Flight reservations should be  
    2.  Reservations for tickets exclude the use of charters,  wholesalers and consolidators, as well as any 
    2.  wholesalers and consolidators, as well as any  Reservations for tickets exclude the use of charters, 
      re-confirmed directly with the airline at least 72  wholesalers and consolidators, as well as any 
      wholesalers and consolidators, as well as any  fares that are not published, available through the 
      fares that are not published, available through the  wholesalers and consolidators, as well as any 
      fares that are not published, available through the  hours prior to departure.
      BMO Harris Rewards program, and/or available for  fares that are not published, available through the 
      BMO Harris Rewards program, and/or available for  fares that are not published, available through the 
      BMO Harris Rewards program, and/or available for 
      ticketing through a certified travel agency. BMO Harris Rewards program, and/or available for 
    14. The traveler is responsible for obtaining the  ticketing through a certified travel agency. BMO Harris Rewards program, and/or available for 
      ticketing through a certified travel agency.
      ticketing through a certified travel agency.
      ticketing through a certified travel agency. appropriate international travel documentation, such 
    3.  Participating air carriers are subject to change. 
    3.  Participating air carriers are subject to change. 
    3.  Participating air carriers are subject to change.  as passports and visas. Visit www.travel.state.gov 
    3.  Participating air carriers are subject to change. 
    3.  Participating air carriers are subject to change. 
    4.  You may elect not to use points for the full fare  for passport and visa requirements. The Redemption 
    4.  You may elect not to use points for the full fare 
    4.  You may elect not to use points for the full fare 
    4.  You may elect not to use points for the full fare  amount of the airline ticket.  Center assumes no responsibility for advising guests 
    4.  You may elect not to use points for the full fare  amount of the airline ticket. 
      amount of the airline ticket. 
      amount of the airline ticket.  of proper travel documentation. The traveler should 
      amount of the airline ticket. 
    5.  Reservation and ticketing must be completed at time 
    5.  Reservation and ticketing must be completed at time  have valid government-issued photo ID upon airport 
    5.  Reservation and ticketing must be completed at time 
    5.  Reservation and ticketing must be completed at time  of redemption. 
    5.  Reservation and ticketing must be completed at time  of redemption.  check-in.
      of redemption. 
      of redemption. 
      of redemption. 
    6.  Tickets may be purchased in any individual�s name. 
    6.  15. Travel awards are forfeited for individuals who are  Tickets may be purchased in any individual�s name. 
    6.  Tickets may be purchased in any individual�s name. 
    6.  The names of all passengers must match their  Tickets may be purchased in any individual�s name. 
    6.  Tickets may be purchased in any individual�s name.  The names of all passengers must match their  no-shows.
      The names of all passengers must match their 
      The names of all passengers must match their  government-issued ID and most airlines do not  
      government-issued ID and most airlines do not   The names of all passengers must match their 
      government-issued ID and most airlines do not  
      allow changes to passenger names once a ticket   government-issued ID and most airlines do not  
      allow changes to passenger names once a ticket   government-issued ID and most airlines do not  
      allow changes to passenger names once a ticket  
      has been issued. allow changes to passenger names once a ticket  
      allow changes to passenger names once a ticket   has been issued.
      has been issued.
      has been issued.
      has been issued.
    7.  Airline ticket awards may not be used in conjunction 
    7.  Airline ticket awards may not be used in conjunction 
    7.  Airline ticket awards may not be used in conjunction 
    7.  with any type of coupons, vouchers, Internet fares or  Airline ticket awards may not be used in conjunction 
    7.  with any type of coupons, vouchers, Internet fares or  Airline ticket awards may not be used in conjunction 
      with any type of coupons, vouchers, Internet fares or 
      companion fares. with any type of coupons, vouchers, Internet fares or 
    13 with any type of coupons, vouchers, Internet fares or  companion fares. Credit Cards
      companion fares.
      companion fares.
      companion fares.
    8.  All taxes and the September 11th Security Fee are 
    8.  All taxes and the September 11th Security Fee are 
    8.  All taxes and the September 11th Security Fee are 
    8.  included in the stated fare. All taxes and the September 11th Security Fee are 
    8.  All taxes and the September 11th Security Fee are  included in the stated fare.
      included in the stated fare.
      included in the stated fare.
      included in the stated fare.
    9.  Any applicable baggage fees or any additional 
    9.  Any applicable baggage fees or any additional 
    9.  Any applicable baggage fees or any additional 
    9.  charges by the airlines, such as incidentals, are the  Any applicable baggage fees or any additional 
    9.  charges by the airlines, such as incidentals, are the  Any applicable baggage fees or any additional 
      charges by the airlines, such as incidentals, are the 
      charges by the airlines, such as incidentals, are the  responsibility of the passenger.
      responsibility of the passenger. charges by the airlines, such as incidentals, are the 
      responsibility of the passenger.
      responsibility of the passenger.
      responsibility of the passenger.
    10. All travel itineraries and supporting documentation 
    10. All travel itineraries and supporting documentation 
    10. All travel itineraries and supporting documentation 
    10. All travel itineraries and supporting documentation  will be sent via email and may be accessed through 
    10. All travel itineraries and supporting documentation  will be sent via email and may be accessed through 
      will be sent via email and may be accessed through 
      bmoharrisrewards.com.  will be sent via email and may be accessed through 
      will be sent via email and may be accessed through  bmoharrisrewards.com. 
      bmoharrisrewards.com. 
      bmoharrisrewards.com. 
      bmoharrisrewards.com. 
    BMO Harris Rewards SM
    BMO Harris Rewards SM  Program Rules 12
              SM  Program Rules  12
    BMO Harris Rewards SM  Program Rules 12
    BMO Harris Rewards SM  Program Rules 12
    BMO Harris Rewards  Program Rules 12    Awards
    Awards
    Awards
    Airline Tickets
    Airline Tickets
    Airline Tickets
    1.  You may redeem points for a scheduled ticket on 
    1.  You may redeem points for a scheduled ticket on 
    1.  You may redeem points for a scheduled ticket on 
      a major airline carrier, providing that the fares, 
      a major airline carrier, providing that the fares, 
      a major airline carrier, providing that the fares, 
      schedules, and ability to generate an electronic 
      schedules, and ability to generate an electronic 
      schedules, and ability to generate an electronic 
      ticket are possible through the BMO Harris Rewards 
      ticket are possible through the BMO Harris Rewards 
      ticket are possible through the BMO Harris Rewards 
      program, by visiting the bmoharrisrewards.com 
      program, by visiting the bmoharrisrewards.com 
      program, by visiting the bmoharrisrewards.com 
      website or calling the Redemption Center.
      website or calling the Redemption Center.
      website or calling the Redemption Center.
    2.  Reservations for tickets exclude the use of charters, 
    2.  Reservations for tickets exclude the use of charters, 
    2.  Reservations for tickets exclude the use of charters, 
      wholesalers and consolidators, as well as any 
      wholesalers and consolidators, as well as any 
      wholesalers and consolidators, as well as any 
      fares that are not published, available through the 
      fares that are not published, available through the 
      fares that are not published, available through the 
      BMO Harris Rewards program, and/or available for 
      BMO Harris Rewards program, and/or available for 
      BMO Harris Rewards program, and/or available for 
      ticketing through a certified travel agency.
      ticketing through a certified travel agency.
      ticketing through a certified travel agency.
    3.  Participating air carriers are subject to change. 
    3.  Participating air carriers are subject to change. 
    3.  Participating air carriers are subject to change. 
    4.  You may elect not to use points for the full fare 
    4.  You may elect not to use points for the full fare 
    4.  You may elect not to use points for the full fare 
      amount of the airline ticket. 
      amount of the airline ticket. 
      amount of the airline ticket. 
    5.  Reservation and ticketing must be completed at time 
    5.  Reservation and ticketing must be completed at time 
    5.  Reservation and ticketing must be completed at time 
      of redemption. 
      of redemption. 
      of redemption. 
    6.  Tickets may be purchased in any individual�s name. 
    6.  Tickets may be purchased in any individual�s name. 
    6.  Tickets may be purchased in any individual�s name. 
      The names of all passengers must match their 
      The names of all passengers must match their 
      The names of all passengers must match their 
      government-issued ID and most airlines do not  
      government-issued ID and most airlines do not  
      government-issued ID and most airlines do not  
      allow changes to passenger names once a ticket  
      allow changes to passenger names once a ticket  
      allow changes to passenger names once a ticket  
      has been issued.
      has been issued.
      has been issued.
    7.  Airline ticket awards may not be used in conjunction 
    7.  Airline ticket awards may not be used in conjunction 
    16. Neither us, our affiliates nor Third Party Service  7.  Airline ticket awards may not be used in conjunction 
      with any type of coupons, vouchers, Internet fares or 
      with any type of coupons, vouchers, Internet fares or 
      with any type of coupons, vouchers, Internet fares or  Providers are responsible for airline performance. All 
      companion fares.
      companion fares.
      companion fares. reservations are subject to the conditions of carriage, 
    8.  supply or business of the service provider, which  All taxes and the September 11th Security Fee are 
    8.  All taxes and the September 11th Security Fee are 
    8.  All taxes and the September 11th Security Fee are 
      include exclusions and limitations of liability. included in the stated fare.
      included in the stated fare.
      included in the stated fare.
    17. Airline policies are subject to change at any time  9.  Any applicable baggage fees or any additional 
    9.  Any applicable baggage fees or any additional 
    9.  Any applicable baggage fees or any additional 
      charges by the airlines, such as incidentals, are the  without notice.
      charges by the airlines, such as incidentals, are the 
      charges by the airlines, such as incidentals, are the 
      responsibility of the passenger.
      responsibility of the passenger.
    Hotel Bookings responsibility of the passenger.
    1.  10. All travel itineraries and supporting documentation  You may redeem points for reservations at thousands 
    10. All travel itineraries and supporting documentation 
    10. All travel itineraries and supporting documentation 
      will be sent via email and may be accessed through  of hotels worldwide. 
      will be sent via email and may be accessed through 
      will be sent via email and may be accessed through 
      bmoharrisrewards.com. 
    2.  11. Airline tickets are non-refundable and non- Participating hotels are subject to change. bmoharrisrewards.com. 
    11. Airline tickets are non-refundable and non- bmoharrisrewards.com. 
    11. Airline tickets are non-refundable and non-
    11. Airline tickets are non-refundable and non- changeable unless permitted by the terms of the 
      changeable unless permitted by the terms of the 
    3.  BMO Harris Rewards You must meet the eligibility requirements, such as  changeable unless permitted by the terms of the  SM
              SM  Program Rules  12
    BMO Harris Rewards changeable unless permitted by the terms of the  fare. If changes to an itinerary are later necessary,  SM  Program Rules 12
    BMO Harris Rewards fare. If changes to an itinerary are later necessary,   Program Rules 12
      a minimum age restriction, established by the hotel  fare. If changes to an itinerary are later necessary,  you may contact the Redemption Center with your  fare. If changes to an itinerary are later necessary, 
      you may contact the Redemption Center with your 
      you may contact the Redemption Center with your 
      you may contact the Redemption Center with your  request up to 5 days prior to the travel date. Changes  provider. Hotel policies are subject to change at any 
      request up to 5 days prior to the travel date. Changes 
      time without notice.  request up to 5 days prior to the travel date. Changes 
      request up to 5 days prior to the travel date. Changes  may incur additional costs such as airline penalty 
      may incur additional costs such as airline penalty 
      may incur additional costs such as airline penalty 
      may incur additional costs such as airline penalty  fees, increased fares, and service fees that will be 
    4.  fees, increased fares, and service fees that will be  Hotel reservations cannot be reversed unless  fees, increased fares, and service fees that will be 
      fees, increased fares, and service fees that will be  applied to your BMO Harris Bank credit card. In the 
      permitted by the terms of the reservation and are  applied to your BMO Harris Bank credit card. In the 
      applied to your BMO Harris Bank credit card. In the 
      applied to your BMO Harris Bank credit card. In the  instance that a refund is due, it will be processed 
      instance that a refund is due, it will be processed 
      instance that a refund is due, it will be processed  subject to the specific hotel/rate cancellation policy. 
      within 4 to 6 weeks and will post in the manner in  instance that a refund is due, it will be processed 
      If changes or cancellation to a hotel reservation is  within 4 to 6 weeks and will post in the manner in 
      within 4 to 6 weeks and will post in the manner in 
      which redemption was made (i.e., if reservation was  within 4 to 6 weeks and will post in the manner in 
      necessary, you may contact the Redemption Center  which redemption was made (i.e., if reservation was 
      which redemption was made (i.e., if reservation was 
      which redemption was made (i.e., if reservation was  made with all points, it will be refunded in points; if 
      with your request up to 5 days prior to your travel  made with all points, it will be refunded in points; if 
      made with all points, it will be refunded in points; if 
      made with all points, it will be refunded in points; if  the reservation was charged to your BMO Harris Bank 
      date. Changes or cancellation may incur additional  the reservation was charged to your BMO Harris Bank 
      the reservation was charged to your BMO Harris Bank 
      the reservation was charged to your BMO Harris Bank  credit card, it will be refunded back to your BMO 
      expenses, including but not limited to increased  credit card, it will be refunded back to your BMO 
      credit card, it will be refunded back to your BMO 
      credit card, it will be refunded back to your BMO  Harris Bank credit card).
      rates, penalty fees and/or service fees that will  Harris Bank credit card).
      Harris Bank credit card).
      Harris Bank credit card).
    12. The Bank, our affiliates and Third Party Service  be applied to your BMO Harris Bank credit card. 
    12. The Bank, our affiliates and Third Party Service 
    12. The Bank, our affiliates and Third Party Service 
    12. The Bank, our affiliates and Third Party Service  Providers are not responsible for any lost or  If a refund is due, it will be processed within 4 
      Providers are not responsible for any lost or 
      to 6 weeks and will post in the manner in which  Providers are not responsible for any lost or 
      Providers are not responsible for any lost or  damaged luggage.
      damaged luggage.
      payment was made (i.e., if reservation was made  damaged luggage.
      damaged luggage.
    13. The Bank and Third Party Service Providers are  
    13. The Bank and Third Party Service Providers are   with all points, it will be refunded in points; if the 
    13. The Bank and Third Party Service Providers are  
    13. The Bank and Third Party Service Providers are   not responsible for communication of airline  reservation was charged to your BMO Harris Bank  not responsible for communication of airline 
      not responsible for communication of airline 
      schedule changes. Flight reservations should be   credit card, it will be refunded back to your BMO  not responsible for communication of airline 
      schedule changes. Flight reservations should be  
      schedule changes. Flight reservations should be  
      schedule changes. Flight reservations should be   Harris Bank credit card).  re-confirmed directly with the airline at least 72 
      re-confirmed directly with the airline at least 72 
      re-confirmed directly with the airline at least 72 
      re-confirmed directly with the airline at least 72  hours prior to departure.
      hours prior to departure.
    5.  Hotels do not allow changes to dates, names,   hours prior to departure.
      hours prior to departure.
    14. The traveler is responsible for obtaining the 
    14. The traveler is responsible for obtaining the  room type, and number of occupants once booking 
    14. The traveler is responsible for obtaining the 
    14. The traveler is responsible for obtaining the  is complete. appropriate international travel documentation, such 
      appropriate international travel documentation, such 
      appropriate international travel documentation, such 
      as passports and visas. Visit www.travel.state.gov  appropriate international travel documentation, such 
      as passports and visas. Visit www.travel.state.gov 
      as passports and visas. Visit www.travel.state.gov 
      for passport and visa requirements. The Redemption  as passports and visas. Visit www.travel.state.gov 
      for passport and visa requirements. The Redemption 
      for passport and visa requirements. The Redemption 
      Center assumes no responsibility for advising guests  for passport and visa requirements. The Redemption 
      Center assumes no responsibility for advising guests 
    BMO Harris Rewards Center assumes no responsibility for advising guests  SM  Program Rules 14
      of proper travel documentation. The traveler should  Center assumes no responsibility for advising guests 
      of proper travel documentation. The traveler should 
      of proper travel documentation. The traveler should 
      have valid government-issued photo ID upon airport  of proper travel documentation. The traveler should 
      have valid government-issued photo ID upon airport 
      have valid government-issued photo ID upon airport 
      check-in. have valid government-issued photo ID upon airport 
      check-in.
      check-in.
      check-in.
    15. Travel awards are forfeited for individuals who are 
    15. Travel awards are forfeited for individuals who are 
    15. Travel awards are forfeited for individuals who are 
    15. Travel awards are forfeited for individuals who are  no-shows.
      no-shows.
      no-shows.
      no-shows.
    13                       Credit Cards
    13                       Credit Cards
    13                       Credit Cards
    13                       Credit Cards    11. Airline tickets are non-refundable and non-
    11. Airline tickets are non-refundable and non-
      changeable unless permitted by the terms of the 
      changeable unless permitted by the terms of the 
      fare. If changes to an itinerary are later necessary, 
      fare. If changes to an itinerary are later necessary, 
      you may contact the Redemption Center with your 
      you may contact the Redemption Center with your 
      request up to 5 days prior to the travel date. Changes 
      request up to 5 days prior to the travel date. Changes 
      may incur additional costs such as airline penalty 
      may incur additional costs such as airline penalty 
      fees, increased fares, and service fees that will be 
      fees, increased fares, and service fees that will be 
      applied to your BMO Harris Bank credit card. In the 
      applied to your BMO Harris Bank credit card. In the 
      instance that a refund is due, it will be processed 
      instance that a refund is due, it will be processed 
      within 4 to 6 weeks and will post in the manner in 
      within 4 to 6 weeks and will post in the manner in 
      which redemption was made (i.e., if reservation was 
      which redemption was made (i.e., if reservation was 
      made with all points, it will be refunded in points; if 
      made with all points, it will be refunded in points; if 
      the reservation was charged to your BMO Harris Bank 
      the reservation was charged to your BMO Harris Bank 
      credit card, it will be refunded back to your BMO 
      credit card, it will be refunded back to your BMO 
      Harris Bank credit card).
      Harris Bank credit card).
    12. The Bank, our affiliates and Third Party Service 
    12. The Bank, our affiliates and Third Party Service 
      Providers are not responsible for any lost or 
      Providers are not responsible for any lost or 
      damaged luggage.
      damaged luggage.
    13. The Bank and Third Party Service Providers are  
    13. The Bank and Third Party Service Providers are  
      not responsible for communication of airline 
      not responsible for communication of airline 
      schedule changes. Flight reservations should be  
      schedule changes. Flight reservations should be  
      re-confirmed directly with the airline at least 72 
      re-confirmed directly with the airline at least 72 
      hours prior to departure.
      hours prior to departure.
    14. The traveler is responsible for obtaining the 
    14. The traveler is responsible for obtaining the 
      appropriate international travel documentation, such 
      appropriate international travel documentation, such 
      as passports and visas. Visit www.travel.state.gov 
    6.  You may elect not to use points for the full fare  as passports and visas. Visit www.travel.state.gov 
      for passport and visa requirements. The Redemption 
      amount of the hotel reservation.  for passport and visa requirements. The Redemption 
      Center assumes no responsibility for advising guests 
      Center assumes no responsibility for advising guests 
    7.  The traveler is responsible for obtaining the  of proper travel documentation. The traveler should 
      of proper travel documentation. The traveler should 
      appropriate international travel documentation, such  have valid government-issued photo ID upon airport 
      have valid government-issued photo ID upon airport 
      as passports and visas. The traveler should have a  check-in.
      check-in.
      valid government-issued photo ID upon check-in that 
    15. Travel awards are forfeited for individuals who are 
    15. Travel awards are forfeited for individuals who are  matches the name on the reservation and will be 
      no-shows.
    16. Neither us, our affiliates nor Third Party Service  required to present a credit card for the incidental  no-shows.
    16. Neither us, our affiliates nor Third Party Service 
    16. Neither us, our affiliates nor Third Party Service 
    16. Neither us, our affiliates nor Third Party Service  expenses such as parking or room service. Providers are responsible for airline performance. All 
      Providers are responsible for airline performance. All 
      Providers are responsible for airline performance. All 
      Providers are responsible for airline performance. All  reservations are subject to the conditions of carriage, 
      reservations are subject to the conditions of carriage, 
    8.  Restrictions may apply to hotel frequent guest  reservations are subject to the conditions of carriage, 
      reservations are subject to the conditions of carriage,  supply or business of the service provider, which 
      supply or business of the service provider, which 
      supply or business of the service provider, which  programs.
      include exclusions and limitations of liability. supply or business of the service provider, which 
      include exclusions and limitations of liability.
      include exclusions and limitations of liability.
      include exclusions and limitations of liability.
    9.  Neither us, our affiliates nor Third Party Service 
    17. Airline policies are subject to change at any time 
    17. Airline policies are subject to change at any time 
    13 17. Airline policies are subject to change at any time  Providers are responsible for the performance of any  Credit Cards
    13 17. Airline policies are subject to change at any time  without notice. Credit Cards
      without notice.
      hotel provider. without notice.
      without notice.
    Hotel Bookings
    Hotel Bookings
    Hotel Bookings Merchandise
    Hotel Bookings 1.  You may redeem points for reservations at thousands 
    1.  You may redeem points for reservations at thousands 
    1.  1.  All merchandise award orders are subject to product  You may redeem points for reservations at thousands 
    1.  of hotels worldwide.  You may redeem points for reservations at thousands 
      of hotels worldwide. 
      of hotels worldwide.  availability.
      of hotels worldwide. 
    2.  Participating hotels are subject to change.
    2.  Participating hotels are subject to change.
    2.  2.  Merchandise awards include applicable sales tax  Participating hotels are subject to change.
    2.  Participating hotels are subject to change.
    3.  You must meet the eligibility requirements, such as  and shipping and handling (via first-class mail, 
    3.  You must meet the eligibility requirements, such as 
    3.  You must meet the eligibility requirements, such as 
    3.  ground delivery or motor freight service within  a minimum age restriction, established by the hotel  You must meet the eligibility requirements, such as 
      a minimum age restriction, established by the hotel 
      a minimum age restriction, established by the hotel 
      the continental U.S.). Shipments outside of the  provider. Hotel policies are subject to change at any  a minimum age restriction, established by the hotel 
      provider. Hotel policies are subject to change at any 
      provider. Hotel policies are subject to change at any 
      provider. Hotel policies are subject to change at any  continental U.S. may require additional shipping and  time without notice. 
      time without notice. 
      time without notice. 
      handling fees. time without notice. 
    4.  Hotel reservations cannot be reversed unless 
    4.  Hotel reservations cannot be reversed unless 
    4.  Hotel reservations cannot be reversed unless 
    4.  3.  Hotel reservations cannot be reversed unless  Merchandise will be shipped to your statement  permitted by the terms of the reservation and are 
      permitted by the terms of the reservation and are 
      permitted by the terms of the reservation and are 
      subject to the specific hotel/rate cancellation policy.  permitted by the terms of the reservation and are  mailing address unless you specify otherwise at the 
      subject to the specific hotel/rate cancellation policy. 
      subject to the specific hotel/rate cancellation policy. 
      time your redemption is made. Shipments cannot be  subject to the specific hotel/rate cancellation policy.  If changes or cancellation to a hotel reservation is 
      If changes or cancellation to a hotel reservation is 
      If changes or cancellation to a hotel reservation is 
      made to a post office box. If changes or cancellation to a hotel reservation is  necessary, you may contact the Redemption Center 
      necessary, you may contact the Redemption Center 
      necessary, you may contact the Redemption Center 
      necessary, you may contact the Redemption Center  with your request up to 5 days prior to your travel 
      with your request up to 5 days prior to your travel 
    4.  with your request up to 5 days prior to your travel  For security reasons, parcel or motor freight couriers 
      with your request up to 5 days prior to your travel  date. Changes or cancellation may incur additional 
      date. Changes or cancellation may incur additional 
      may contact you to arrange delivery of merchandise.  date. Changes or cancellation may incur additional 
      date. Changes or cancellation may incur additional  expenses, including but not limited to increased 
      expenses, including but not limited to increased 
      It is your responsibility to respond to the courier in  expenses, including but not limited to increased 
      rates, penalty fees and/or service fees that will  expenses, including but not limited to increased 
      rates, penalty fees and/or service fees that will 
      rates, penalty fees and/or service fees that will  a timely and reasonable manner to facilitate the 
      be applied to your BMO Harris Bank credit card.  rates, penalty fees and/or service fees that will 
      be applied to your BMO Harris Bank credit card. 
      delivery process. Additional shipping and handling  be applied to your BMO Harris Bank credit card. 
      If a refund is due, it will be processed within 4  be applied to your BMO Harris Bank credit card. 
      If a refund is due, it will be processed within 4 
      If a refund is due, it will be processed within 4  fees for merchandise returned to vendor due to  
      to 6 weeks and will post in the manner in which  If a refund is due, it will be processed within 4 
      to 6 weeks and will post in the manner in which 
      to 6 weeks and will post in the manner in which  your failure to make delivery arrangements will be 
      to 6 weeks and will post in the manner in which  payment was made (i.e., if reservation was made 
      payment was made (i.e., if reservation was made 
      your responsibility. payment was made (i.e., if reservation was made 
      payment was made (i.e., if reservation was made  with all points, it will be refunded in points; if the 
      with all points, it will be refunded in points; if the 
      with all points, it will be refunded in points; if the 
      with all points, it will be refunded in points; if the  reservation was charged to your BMO Harris Bank 
      reservation was charged to your BMO Harris Bank 
      reservation was charged to your BMO Harris Bank 
      credit card, it will be refunded back to your BMO  reservation was charged to your BMO Harris Bank 
    15 credit card, it will be refunded back to your BMO 
      credit card, it will be refunded back to your BMO  Credit Cards
      credit card, it will be refunded back to your BMO  Harris Bank credit card). 
      Harris Bank credit card). 
      Harris Bank credit card). 
      Harris Bank credit card). 
    5.  Hotels do not allow changes to dates, names,  
    5.  Hotels do not allow changes to dates, names,  
    5.  Hotels do not allow changes to dates, names,  
    5.  room type, and number of occupants once booking  Hotels do not allow changes to dates, names,  
      room type, and number of occupants once booking 
      room type, and number of occupants once booking 
      room type, and number of occupants once booking  is complete.
      is complete.
      is complete.
      is complete.
    BMO Harris Rewards SM
    BMO Harris Rewards SM  Program Rules 14
              SM  Program Rules  14
    BMO Harris Rewards SM  Program Rules 14
    BMO Harris Rewards  Program Rules 14    16. Neither us, our affiliates nor Third Party Service 
    16. Neither us, our affiliates nor Third Party Service 
      Providers are responsible for airline performance. All 
      Providers are responsible for airline performance. All 
      reservations are subject to the conditions of carriage, 
      reservations are subject to the conditions of carriage, 
      supply or business of the service provider, which 
      supply or business of the service provider, which 
      include exclusions and limitations of liability.
      include exclusions and limitations of liability.
    17. Airline policies are subject to change at any time 
    17. Airline policies are subject to change at any time 
      without notice.
      without notice.
    Hotel Bookings
    Hotel Bookings
    1.  You may redeem points for reservations at thousands 
    1.  You may redeem points for reservations at thousands 
      of hotels worldwide. 
      of hotels worldwide. 
    2.  Participating hotels are subject to change.
    2.  Participating hotels are subject to change.
    3.  You must meet the eligibility requirements, such as 
    3.  You must meet the eligibility requirements, such as 
      a minimum age restriction, established by the hotel 
      a minimum age restriction, established by the hotel 
      provider. Hotel policies are subject to change at any 
      provider. Hotel policies are subject to change at any 
      time without notice. 
      time without notice. 
    4.  Hotel reservations cannot be reversed unless 
    4.  Hotel reservations cannot be reversed unless 
      permitted by the terms of the reservation and are 
      permitted by the terms of the reservation and are 
      subject to the specific hotel/rate cancellation policy. 
      subject to the specific hotel/rate cancellation policy. 
      If changes or cancellation to a hotel reservation is 
      If changes or cancellation to a hotel reservation is 
      necessary, you may contact the Redemption Center 
      necessary, you may contact the Redemption Center 
      with your request up to 5 days prior to your travel 
      with your request up to 5 days prior to your travel 
      date. Changes or cancellation may incur additional 
      date. Changes or cancellation may incur additional 
      expenses, including but not limited to increased 
      expenses, including but not limited to increased 
      rates, penalty fees and/or service fees that will 
      rates, penalty fees and/or service fees that will 
      be applied to your BMO Harris Bank credit card. 
      be applied to your BMO Harris Bank credit card. 
      If a refund is due, it will be processed within 4 
      If a refund is due, it will be processed within 4 
      to 6 weeks and will post in the manner in which 
      to 6 weeks and will post in the manner in which 
      payment was made (i.e., if reservation was made 
      payment was made (i.e., if reservation was made 
      with all points, it will be refunded in points; if the 
      with all points, it will be refunded in points; if the 
      reservation was charged to your BMO Harris Bank 
    5.  reservation was charged to your BMO Harris Bank  In-stock merchandise shown in the Catalog will 
      credit card, it will be refunded back to your BMO 
      ordinarily be delivered within 4 to 6 weeks.  credit card, it will be refunded back to your BMO 
      Harris Bank credit card). 
      Harris Bank credit card). 
    6.  When provided, manufacturer warranty information 
    5.  Hotels do not allow changes to dates, names,  
    5.  Hotels do not allow changes to dates, names,   is included with the product at the time of shipment. 
      room type, and number of occupants once booking 
    6.  room type, and number of occupants once booking  You can also visit the manufacturer�s website to view  You may elect not to use points for the full fare 
    6.  You may elect not to use points for the full fare 
    6.  You may elect not to use points for the full fare  is complete.
    6.  is complete. amount of the hotel reservation.  available warranty information.  You may elect not to use points for the full fare 
    6.  You may elect not to use points for the full fare  amount of the hotel reservation. 
    6.  You may elect not to use points for the full fare  amount of the hotel reservation. 
    6.  amount of the hotel reservation.  You may elect not to use points for the full fare 
      amount of the hotel reservation. 
    7.  7.  The traveler is responsible for obtaining the  amount of the hotel reservation.  Merchandise shown in the Catalog carries a 100% 
    7.  amount of the hotel reservation.  The traveler is responsible for obtaining the 
    7.  The traveler is responsible for obtaining the  7.  The traveler is responsible for obtaining the  satisfaction guarantee against workmanship defect 
    7.  BMO Harris Rewards appropriate international travel documentation, such 
    7.  appropriate international travel documentation, such  The traveler is responsible for obtaining the  SM
      The traveler is responsible for obtaining the  appropriate international travel documentation, such  SM  Program Rules 14
    7.  BMO Harris Rewards The traveler is responsible for obtaining the  or shipping damage for 30 days from receipt of your  appropriate international travel documentation, such  as passports and visas. The traveler should have a  appropriate international travel documentation, such   Program Rules 14
      as passports and visas. The traveler should have a 
      as passports and visas. The traveler should have a  appropriate international travel documentation, such 
      order. This does not apply to perishable items.  appropriate international travel documentation, such  as passports and visas. The traveler should have a 
      as passports and visas. The traveler should have a  valid government-issued photo ID upon check-in that 
      valid government-issued photo ID upon check-in that 
      valid government-issued photo ID upon check-in that  as passports and visas. The traveler should have a 
      valid government-issued photo ID upon check-in that  matches the name on the reservation and will be  as passports and visas. The traveler should have a 
      matches the name on the reservation and will be  valid government-issued photo ID upon check-in that 
    8.  matches the name on the reservation and will be  valid government-issued photo ID upon check-in that  If your package appears to be damaged upon 
      matches the name on the reservation and will be  required to present a credit card for the incidental  valid government-issued photo ID upon check-in that 
      matches the name on the reservation and will be  required to present a credit card for the incidental 
      matches the name on the reservation and will be  arrival, you should refuse the package if possible.  required to present a credit card for the incidental 
      expenses such as parking or room service. required to present a credit card for the incidental  matches the name on the reservation and will be 
      required to present a credit card for the incidental  expenses such as parking or room service.
      expenses such as parking or room service. If it is not possible to refuse the package, contact  required to present a credit card for the incidental 
      expenses such as parking or room service. required to present a credit card for the incidental 
      expenses such as parking or room service.
    8.  expenses such as parking or room service. Restrictions may apply to hotel frequent guest  the Redemption Center at 1-800-610-8987 within 24 
    8.  expenses such as parking or room service. Restrictions may apply to hotel frequent guest 
    8.  Restrictions may apply to hotel frequent guest  8.  hours of receipt. Do not attempt to return an item or  Restrictions may apply to hotel frequent guest  programs. 8.  Restrictions may apply to hotel frequent guest  programs.
    8.  Restrictions may apply to hotel frequent guest  programs.
    8.  programs. Restrictions may apply to hotel frequent guest  shipment without first contacting the Redemption 
      programs.
    9.  Neither us, our affiliates nor Third Party Service  programs.
    9.  programs. Center at 1-800-610-8987.  Neither us, our affiliates nor Third Party Service 
    9.  Neither us, our affiliates nor Third Party Service 
    9.  Neither us, our affiliates nor Third Party Service 
    9.  Neither us, our affiliates nor Third Party Service  Providers are responsible for the performance of any 
      Providers are responsible for the performance of any 
    9.  Neither us, our affiliates nor Third Party Service  Providers are responsible for the performance of any 
    9.  9.  Neither us, our affiliates nor Third Party Service  Damaged merchandise is not returnable if  hotel provider. Providers are responsible for the performance of any 
      Providers are responsible for the performance of any  hotel provider.
      Providers are responsible for the performance of any  hotel provider.
      Providers are responsible for the performance of any  hotel provider. notification is delayed beyond thirty (30) days.
      hotel provider.
    Merchandise hotel provider.
    Merchandise hotel provider.
    10. Merchandise will be replaced once the damaged  Merchandise
    1.  Merchandise
    1.  Merchandise All merchandise award orders are subject to product 
      All merchandise award orders are subject to product 
    Merchandise 1.  All merchandise award orders are subject to product 
    Merchandise 1.  merchandise has been received from you. All merchandise award orders are subject to product  availability. 1.  All merchandise award orders are subject to product  availability.
    1.  availability. All merchandise award orders are subject to product 
    1.  availability. All merchandise award orders are subject to product 
    11. For some products, the manufacturer does not  2.  availability. Merchandise awards include applicable sales tax 
    2.  Merchandise awards include applicable sales tax  availability.
    2.  availability. Merchandise awards include applicable sales tax 
    2.  Merchandise awards include applicable sales tax 
    2.  Merchandise awards include applicable sales tax  and shipping and handling (via first-class mail, 
      and shipping and handling (via first-class mail,  allow returns but provides warranty service. In such 
    2.  Merchandise awards include applicable sales tax  and shipping and handling (via first-class mail, 
    2.  Merchandise awards include applicable sales tax  and shipping and handling (via first-class mail,  ground delivery or motor freight service within  and shipping and handling (via first-class mail,  a situation, you may receive instruction on how  ground delivery or motor freight service within 
      ground delivery or motor freight service within  and shipping and handling (via first-class mail, 
      ground delivery or motor freight service within  and shipping and handling (via first-class mail, 
      ground delivery or motor freight service within  to obtain warranty service rather than a complete  the continental U.S.). Shipments outside of the 
      the continental U.S.). Shipments outside of the 
      ground delivery or motor freight service within  the continental U.S.). Shipments outside of the 
      continental U.S. may require additional shipping and  ground delivery or motor freight service within  the continental U.S.). Shipments outside of the 
      continental U.S. may require additional shipping and  the continental U.S.). Shipments outside of the  award replacement.
      the continental U.S.). Shipments outside of the  continental U.S. may require additional shipping and 
      the continental U.S.). Shipments outside of the  handling fees. continental U.S. may require additional shipping and 
      continental U.S. may require additional shipping and  handling fees.
      continental U.S. may require additional shipping and 
    12. We reserve the right to alter or substitute any or all  handling fees.
      continental U.S. may require additional shipping and  handling fees.
      handling fees.
    3.  Merchandise will be shipped to your statement  handling fees.
    3.  handling fees. merchandise awards (or change point value) at any  Merchandise will be shipped to your statement 
    3.  3.  Merchandise will be shipped to your statement 
      mailing address unless you specify otherwise at the  Merchandise will be shipped to your statement 
    3.  Merchandise will be shipped to your statement  mailing address unless you specify otherwise at the  time without prior notification.
    3.  Merchandise will be shipped to your statement 
      mailing address unless you specify otherwise at the  mailing address unless you specify otherwise at the 
    3.  Merchandise will be shipped to your statement 
      mailing address unless you specify otherwise at the  time your redemption is made. Shipments cannot be 
      time your redemption is made. Shipments cannot be 
      mailing address unless you specify otherwise at the 
    13. You may return the substitute award to us at our  time your redemption is made. Shipments cannot be 
      made to a post office box. mailing address unless you specify otherwise at the  time your redemption is made. Shipments cannot be 
      time your redemption is made. Shipments cannot be  made to a post office box.
      time your redemption is made. Shipments cannot be  made to a post office box.
      time your redemption is made. Shipments cannot be  expense if it is unacceptable, and we will notify you  made to a post office box.
      made to a post office box.
    4.  For security reasons, parcel or motor freight couriers  made to a post office box.
    4.  that your points, if deducted, have been restored. made to a post office box. For security reasons, parcel or motor freight couriers 
    4.  4.  For security reasons, parcel or motor freight couriers  For security reasons, parcel or motor freight couriers 
    4.  may contact you to arrange delivery of merchandise. 
      may contact you to arrange delivery of merchandise.  For security reasons, parcel or motor freight couriers 
    4.  For security reasons, parcel or motor freight couriers  may contact you to arrange delivery of merchandise. 
    4.  For security reasons, parcel or motor freight couriers  may contact you to arrange delivery of merchandise. 
      may contact you to arrange delivery of merchandise.  It is your responsibility to respond to the courier in 
      It is your responsibility to respond to the courier in 
      may contact you to arrange delivery of merchandise.  It is your responsibility to respond to the courier in  It is your responsibility to respond to the courier in  a timely and reasonable manner to facilitate the  may contact you to arrange delivery of merchandise. 
      It is your responsibility to respond to the courier in  a timely and reasonable manner to facilitate the 
      It is your responsibility to respond to the courier in 
      a timely and reasonable manner to facilitate the  a timely and reasonable manner to facilitate the 
      delivery process. Additional shipping and handling  It is your responsibility to respond to the courier in 
      a timely and reasonable manner to facilitate the  delivery process. Additional shipping and handling 
      delivery process. Additional shipping and handling  a timely and reasonable manner to facilitate the 
    BMO Harris Rewards delivery process. Additional shipping and handling  a timely and reasonable manner to facilitate the  SM
      delivery process. Additional shipping and handling  fees for merchandise returned to vendor due to   fees for merchandise returned to vendor due to    Program Rules 16
      fees for merchandise returned to vendor due to   delivery process. Additional shipping and handling 
      delivery process. Additional shipping and handling  fees for merchandise returned to vendor due to  
      fees for merchandise returned to vendor due to   your failure to make delivery arrangements will be 
      your failure to make delivery arrangements will be 
      your failure to make delivery arrangements will be  fees for merchandise returned to vendor due to  
      fees for merchandise returned to vendor due to   your responsibility. your failure to make delivery arrangements will be 
      your responsibility. your failure to make delivery arrangements will be 
      your responsibility. your responsibility. your failure to make delivery arrangements will be 
      your failure to make delivery arrangements will be 
      your responsibility.
      your responsibility.
      your responsibility.
    15                       Credit Cards
    15                       Credit Cards
    15                       Credit Cards 15 Credit Cards
    15                       Credit Cards
    15                       Credit Cards
    15                       Credit Cards    6.  You may elect not to use points for the full fare 
      amount of the hotel reservation. 
    7.  The traveler is responsible for obtaining the 
      appropriate international travel documentation, such 
      as passports and visas. The traveler should have a 
      valid government-issued photo ID upon check-in that 
      matches the name on the reservation and will be 
      required to present a credit card for the incidental 
      expenses such as parking or room service.
    8.  Restrictions may apply to hotel frequent guest 
      programs.
    9.  Neither us, our affiliates nor Third Party Service 
      Providers are responsible for the performance of any 
      hotel provider.
    Merchandise
    1.  All merchandise award orders are subject to product 
      availability.
    2.  Merchandise awards include applicable sales tax 
      and shipping and handling (via first-class mail, 
      ground delivery or motor freight service within 
      the continental U.S.). Shipments outside of the 
      continental U.S. may require additional shipping and 
      handling fees.
    3.  Merchandise will be shipped to your statement 
      mailing address unless you specify otherwise at the 
      time your redemption is made. Shipments cannot be 
      made to a post office box.
    4.  For security reasons, parcel or motor freight couriers 
      may contact you to arrange delivery of merchandise. 
      It is your responsibility to respond to the courier in 
    14. We reserve the right to refuse to exchange  a timely and reasonable manner to facilitate the 
      delivery process. Additional shipping and handling  merchandise or refund points if an item is returned 
      fees for merchandise returned to vendor due to   without adhering to this return policy.
    5.  In-stock merchandise shown in the Catalog will 
    5.  your failure to make delivery arrangements will be  In-stock merchandise shown in the Catalog will 
    5.  In-stock merchandise shown in the Catalog will 
    5.  Gift Cards/e-Certificates ordinarily be delivered within 4 to 6 weeks.  In-stock merchandise shown in the Catalog will 
    5.  your responsibility. ordinarily be delivered within 4 to 6 weeks.  In-stock merchandise shown in the Catalog will 
    5.  ordinarily be delivered within 4 to 6 weeks.  In-stock merchandise shown in the Catalog will 
    5.  1.  ordinarily be delivered within 4 to 6 weeks.  In-stock merchandise shown in the Catalog will  These awards may not be combined with any other 
    5.  In-stock merchandise shown in the Catalog will  ordinarily be delivered within 4 to 6 weeks. 
    6.  5.  ordinarily be delivered within 4 to 6 weeks.  When provided, manufacturer warranty information  In-stock merchandise shown in the Catalog will 
    6.  ordinarily be delivered within 4 to 6 weeks.  When provided, manufacturer warranty information 
    6.  ordinarily be delivered within 4 to 6 weeks.  When provided, manufacturer warranty information  promotional offers.
    6.  ordinarily be delivered within 4 to 6 weeks.  is included with the product at the time of shipment.  When provided, manufacturer warranty information 
    15 6.  When provided, manufacturer warranty information  is included with the product at the time of shipment. 
    6.  When provided, manufacturer warranty information  is included with the product at the time of shipment.  Credit Cards
    2. 
    6.  is included with the product at the time of shipment.  When provided, manufacturer warranty information  You can also visit the manufacturer�s website to view  Gift cards and e-certificates are valid at participating 
    6.  You can also visit the manufacturer�s website to view  When provided, manufacturer warranty information  is included with the product at the time of shipment. 
    6.  You can also visit the manufacturer�s website to view  When provided, manufacturer warranty information  is included with the product at the time of shipment. 
      You can also visit the manufacturer�s website to view  is included with the product at the time of shipment.  available warranty information.  merchants only through the expiration date (when 
      available warranty information.  is included with the product at the time of shipment.  You can also visit the manufacturer�s website to view 
      You can also visit the manufacturer�s website to view  is included with the product at the time of shipment.  available warranty information. 
      available warranty information.  applicable) printed on the gift card or e-certificate.
      You can also visit the manufacturer�s website to view 
      You can also visit the manufacturer�s website to view  available warranty information. 
    7.  available warranty information.  Merchandise shown in the Catalog carries a 100%  You can also visit the manufacturer�s website to view 
    7.  available warranty information.  Merchandise shown in the Catalog carries a 100% 
    7.  3.  Gift cards and e-certificates must be submitted to the  available warranty information.  Merchandise shown in the Catalog carries a 100% 
    7.  satisfaction guarantee against workmanship defect  available warranty information.  Merchandise shown in the Catalog carries a 100% 
    7.  satisfaction guarantee against workmanship defect  Merchandise shown in the Catalog carries a 100% 
    7.  Merchandise shown in the Catalog carries a 100%  merchant upon use.  satisfaction guarantee against workmanship defect 
    7.  satisfaction guarantee against workmanship defect  or shipping damage for 30 days from receipt of your  Merchandise shown in the Catalog carries a 100% 
    7.  Merchandise shown in the Catalog carries a 100%  or shipping damage for 30 days from receipt of your  satisfaction guarantee against workmanship defect 
    7.  Merchandise shown in the Catalog carries a 100%  or shipping damage for 30 days from receipt of your  satisfaction guarantee against workmanship defect 
      order. This does not apply to perishable items.  or shipping damage for 30 days from receipt of your  satisfaction guarantee against workmanship defect 
    4.  satisfaction guarantee against workmanship defect  or shipping damage for 30 days from receipt of your  Fulfillment of gift cards and e-certificates is the sole  order. This does not apply to perishable items. 
      satisfaction guarantee against workmanship defect  order. This does not apply to perishable items.  or shipping damage for 30 days from receipt of your 
      or shipping damage for 30 days from receipt of your  order. This does not apply to perishable items. 
      order. This does not apply to perishable items.  or shipping damage for 30 days from receipt of your 
    8.  If your package appears to be damaged upon  responsibility of the specific participating merchant. or shipping damage for 30 days from receipt of your  order. This does not apply to perishable items. 
    8.  If your package appears to be damaged upon  order. This does not apply to perishable items. 
    8.  order. This does not apply to perishable items.  If your package appears to be damaged upon 
    8.  If your package appears to be damaged upon  arrival, you should refuse the package if possible.  order. This does not apply to perishable items. 
    8.  If your package appears to be damaged upon  arrival, you should refuse the package if possible. 
    8.  5.  If your package appears to be damaged upon  Gift cards and e-certificates will be subject to the gift  arrival, you should refuse the package if possible. 
    8.  If it is not possible to refuse the package, contact  If your package appears to be damaged upon  arrival, you should refuse the package if possible. 
    8.  If your package appears to be damaged upon  arrival, you should refuse the package if possible.  If it is not possible to refuse the package, contact 
    8.  If your package appears to be damaged upon  arrival, you should refuse the package if possible.  card or e-certificate suppliers� terms and conditions  If it is not possible to refuse the package, contact 
      the Redemption Center at 1-800-610-8987 within 24  arrival, you should refuse the package if possible.  If it is not possible to refuse the package, contact 
      If it is not possible to refuse the package, contact  and will have no value except when used in  arrival, you should refuse the package if possible.  the Redemption Center at 1-800-610-8987 within 24 
      the Redemption Center at 1-800-610-8987 within 24  If it is not possible to refuse the package, contact  arrival, you should refuse the package if possible. 
      hours of receipt. Do not attempt to return an item or  the Redemption Center at 1-800-610-8987 within 24  If it is not possible to refuse the package, contact 
      accordance with those terms and conditions. hours of receipt. Do not attempt to return an item or  the Redemption Center at 1-800-610-8987 within 24  If it is not possible to refuse the package, contact 
      the Redemption Center at 1-800-610-8987 within 24  If it is not possible to refuse the package, contact  hours of receipt. Do not attempt to return an item or 
      hours of receipt. Do not attempt to return an item or  shipment without first contacting the Redemption  the Redemption Center at 1-800-610-8987 within 24 
      hours of receipt. Do not attempt to return an item or  shipment without first contacting the Redemption  the Redemption Center at 1-800-610-8987 within 24 
      hours of receipt. Do not attempt to return an item or  the Redemption Center at 1-800-610-8987 within 24  shipment without first contacting the Redemption 
    6.  hours of receipt. Do not attempt to return an item or  Gift cards and e-certificates will not be honored  Center at 1-800-610-8987.  shipment without first contacting the Redemption 
      hours of receipt. Do not attempt to return an item or  Center at 1-800-610-8987.  shipment without first contacting the Redemption 
      Center at 1-800-610-8987.  shipment without first contacting the Redemption  hours of receipt. Do not attempt to return an item or 
      retroactively in connection with any prior purchases,  Center at 1-800-610-8987.  shipment without first contacting the Redemption 
      Center at 1-800-610-8987.  shipment without first contacting the Redemption 
    9.  Center at 1-800-610-8987.  Damaged merchandise is not returnable if  shipment without first contacting the Redemption 
    9.  Center at 1-800-610-8987.  Damaged merchandise is not returnable if 
    9.  Center at 1-800-610-8987.  Damaged merchandise is not returnable if  nor can they be used as payment on existing Account 
    9.  notification is delayed beyond thirty (30) days. Center at 1-800-610-8987.  Damaged merchandise is not returnable if 
    9.  Damaged merchandise is not returnable if  notification is delayed beyond thirty (30) days.
    9.  notification is delayed beyond thirty (30) days. balances with either the participating merchant or us.  Damaged merchandise is not returnable if 
    9.  Damaged merchandise is not returnable if  notification is delayed beyond thirty (30) days.
    9.  notification is delayed beyond thirty (30) days. Damaged merchandise is not returnable if 
    9.  10. Merchandise will be replaced once the damaged  notification is delayed beyond thirty (30) days. Damaged merchandise is not returnable if  Gift cards and e-certificates have no cash value, nor 
    10. Merchandise will be replaced once the damaged  notification is delayed beyond thirty (30) days.
    10. Merchandise will be replaced once the damaged  may they be redeemed for cash or its equivalent. Any  notification is delayed beyond thirty (30) days.
    10. Merchandise will be replaced once the damaged  notification is delayed beyond thirty (30) days. merchandise has been received from you.
    10. Merchandise will be replaced once the damaged  merchandise has been received from you.
    10. Merchandise will be replaced once the damaged  merchandise has been received from you.
      merchandise has been received from you. unused portion of a gift card will not be returned to 
    10. Merchandise will be replaced once the damaged 
    10. Merchandise will be replaced once the damaged  merchandise has been received from you.
    11. For some products, the manufacturer does not  10. Merchandise will be replaced once the damaged  merchandise has been received from you.
    11. For some products, the manufacturer does not  you or other recipient of the gift card or e-certificate 
      merchandise has been received from you.
    11. For some products, the manufacturer does not  merchandise has been received from you.
    11. For some products, the manufacturer does not  in cash unless otherwise so stated on the gift  merchandise has been received from you. allow returns but provides warranty service. In such 
    11. For some products, the manufacturer does not  allow returns but provides warranty service. In such 
    11. For some products, the manufacturer does not  allow returns but provides warranty service. In such 
    11. For some products, the manufacturer does not  a situation, you may receive instruction on how  allow returns but provides warranty service. In such 
      a situation, you may receive instruction on how  card or e-certificate or in the terms and conditions 
    11. For some products, the manufacturer does not  allow returns but provides warranty service. In such 
    11. For some products, the manufacturer does not  allow returns but provides warranty service. In such  a situation, you may receive instruction on how 
      accompanying the gift card or e-certificate. to obtain warranty service rather than a complete  a situation, you may receive instruction on how  allow returns but provides warranty service. In such 
      allow returns but provides warranty service. In such  a situation, you may receive instruction on how  to obtain warranty service rather than a complete 
      allow returns but provides warranty service. In such  to obtain warranty service rather than a complete  a situation, you may receive instruction on how 
      award replacement. to obtain warranty service rather than a complete  a situation, you may receive instruction on how 
      to obtain warranty service rather than a complete  award replacement. a situation, you may receive instruction on how 
    7.  award replacement. a situation, you may receive instruction on how  Gift cards are not refundable or exchangeable, and  to obtain warranty service rather than a complete 
      to obtain warranty service rather than a complete  award replacement.
      award replacement. to obtain warranty service rather than a complete 
    12. We reserve the right to alter or substitute any or all  award replacement. they are not replaceable after issuance in the event  to obtain warranty service rather than a complete 
    12. We reserve the right to alter or substitute any or all  award replacement.
    12. We reserve the right to alter or substitute any or all  award replacement.
    12. We reserve the right to alter or substitute any or all  of loss or destruction, unless otherwise stated on  award replacement. merchandise awards (or change point value) at any 
      merchandise awards (or change point value) at any  12. We reserve the right to alter or substitute any or all 
    12. We reserve the right to alter or substitute any or all  merchandise awards (or change point value) at any 
    12. We reserve the right to alter or substitute any or all  the gift card or e-certificate or in the terms and  merchandise awards (or change point value) at any  time without prior notification.
    12. We reserve the right to alter or substitute any or all  merchandise awards (or change point value) at any  time without prior notification.
    12. We reserve the right to alter or substitute any or all  merchandise awards (or change point value) at any  time without prior notification.
      time without prior notification. conditions accompanying the gift card or e-certificate. merchandise awards (or change point value) at any 
      merchandise awards (or change point value) at any  time without prior notification.
    13. You may return the substitute award to us at our  merchandise awards (or change point value) at any  time without prior notification.
    13. You may return the substitute award to us at our  time without prior notification.
    13. You may return the substitute award to us at our  time without prior notification.
    8.  13. You may return the substitute award to us at our  E-certificates are not refundable and will not be  time without prior notification. expense if it is unacceptable, and we will notify you 
    13. You may return the substitute award to us at our  expense if it is unacceptable, and we will notify you 
    13. You may return the substitute award to us at our  expense if it is unacceptable, and we will notify you 
    13. You may return the substitute award to us at our  that your points, if deducted, have been restored. replaced if lost or stolen. All redemptions are final.  expense if it is unacceptable, and we will notify you 
    13. You may return the substitute award to us at our  expense if it is unacceptable, and we will notify you  that your points, if deducted, have been restored.
    13. You may return the substitute award to us at our  that your points, if deducted, have been restored. expense if it is unacceptable, and we will notify you 
      that your points, if deducted, have been restored. expense if it is unacceptable, and we will notify you 
      that your points, if deducted, have been restored. expense if it is unacceptable, and we will notify you 
      that your points, if deducted, have been restored. expense if it is unacceptable, and we will notify you 
      that your points, if deducted, have been restored.
    17 that your points, if deducted, have been restored. Credit Cards
      that your points, if deducted, have been restored.
    BMO Harris Rewards SM  Program Rules 16
    BMO Harris Rewards SM
              SM  Program Rules  16
    BMO Harris Rewards  Program Rules 16
    BMO Harris Rewards SM
              SM  Program Rules  16
    BMO Harris Rewards  Program Rules 16
    BMO Harris Rewards SM
              SM  Program Rules  16
    BMO Harris Rewards SM  Program Rules 16
    BMO Harris Rewards SM  Program Rules 16
    BMO Harris Rewards  Program Rules 16
    14. We reserve the right to refuse to exchange 
    14. We reserve the right to refuse to exchange 
    14. We reserve the right to refuse to exchange 
    14. We reserve the right to refuse to exchange  merchandise or refund points if an item is returned 
    14. We reserve the right to refuse to exchange  merchandise or refund points if an item is returned 
    14. We reserve the right to refuse to exchange  merchandise or refund points if an item is returned 
    14. We reserve the right to refuse to exchange  merchandise or refund points if an item is returned  without adhering to this return policy.
    14. We reserve the right to refuse to exchange  Once an order is placed you cannot cancel or request  merchandise or refund points if an item is returned  without adhering to this return policy.
      merchandise or refund points if an item is returned  without adhering to this return policy.
      merchandise or refund points if an item is returned  without adhering to this return policy.
      a return. The e-certificate will be sent to the e-mail  without adhering to this return policy. merchandise or refund points if an item is returned 
    Gift Cards/e-Certificates without adhering to this return policy.
    Gift Cards/e-Certificates without adhering to this return policy.
    Gift Cards/e-Certificates address supplied during Redemption. without adhering to this return policy.
    1.  Gift Cards/e-Certificates These awards may not be combined with any other 
    Gift Cards/e-Certificates 1.  These awards may not be combined with any other 
    1.  Gift Cards/e-Certificates These awards may not be combined with any other 
    Gift Cards/e-Certificates 1.  promotional offers. These awards may not be combined with any other 
    9.  Gift Cards/e-Certificates 1.  Retail gift cards will be shipped according to value,  These awards may not be combined with any other  promotional offers.
    1.  These awards may not be combined with any other  promotional offers.
    1.  These awards may not be combined with any other  promotional offers.
    1.  2.  These awards may not be combined with any other  with the exception of BMO Harris Bank Gift Cards.  Gift cards and e-certificates are valid at participating  promotional offers.
    2.  Gift cards and e-certificates are valid at participating  promotional offers.
    2.  promotional offers. Gift cards and e-certificates are valid at participating 
    2.  promotional offers. Retail gift cards valued under $250 will be sent by  Gift cards and e-certificates are valid at participating  merchants only through the expiration date (when 
    2.  Gift cards and e-certificates are valid at participating  merchants only through the expiration date (when 
    2.  Gift cards and e-certificates are valid at participating  merchants only through the expiration date (when 
    2.  U.S. postal service and those valued at $250 or more  Gift cards and e-certificates are valid at participating  merchants only through the expiration date (when  applicable) printed on the gift card or e-certificate.
    2.  Gift cards and e-certificates are valid at participating  applicable) printed on the gift card or e-certificate. merchants only through the expiration date (when 
      merchants only through the expiration date (when  applicable) printed on the gift card or e-certificate.
      will be shipped by courier. BMO Harris Bank Gift Cards  merchants only through the expiration date (when  applicable) printed on the gift card or e-certificate.
      merchants only through the expiration date (when  applicable) printed on the gift card or e-certificate.
    3.  Gift cards and e-certificates must be submitted to the  applicable) printed on the gift card or e-certificate.
    3.  applicable) printed on the gift card or e-certificate. will be shipped first class by the U.S. postal service,  Gift cards and e-certificates must be submitted to the 
    3.  Gift cards and e-certificates must be submitted to the  applicable) printed on the gift card or e-certificate.
    3.  Gift cards and e-certificates must be submitted to the  merchant upon use. 
    3.  regardless of dollar amount. merchant upon use.  Gift cards and e-certificates must be submitted to the 
    3.  Gift cards and e-certificates must be submitted to the  merchant upon use. 
    3.  merchant upon use.  Gift cards and e-certificates must be submitted to the 
    3.  Gift cards and e-certificates must be submitted to the  merchant upon use. 
    4.  merchant upon use.  Fulfillment of gift cards and e-certificates is the sole 
    4.  10. These awards are void where prohibited by law. Fulfillment of gift cards and e-certificates is the sole  merchant upon use. 
    4.  Fulfillment of gift cards and e-certificates is the sole  merchant upon use. 
    4.  responsibility of the specific participating merchant. Fulfillment of gift cards and e-certificates is the sole 
    4.  Fulfillment of gift cards and e-certificates is the sole  responsibility of the specific participating merchant.
    4.  Fulfillment of gift cards and e-certificates is the sole  responsibility of the specific participating merchant.
    11. Federal, state and local taxes on gift card or  4.  Fulfillment of gift cards and e-certificates is the sole  responsibility of the specific participating merchant.
    4.  responsibility of the specific participating merchant. Fulfillment of gift cards and e-certificates is the sole 
    5.  responsibility of the specific participating merchant. Gift cards and e-certificates will be subject to the gift 
    5.  Gift cards and e-certificates will be subject to the gift  e-certificate purchases are your sole responsibility  responsibility of the specific participating merchant.
    5.  responsibility of the specific participating merchant. Gift cards and e-certificates will be subject to the gift 
    5.  card or e-certificate suppliers� terms and conditions  Gift cards and e-certificates will be subject to the gift 
    5.  card or e-certificate suppliers� terms and conditions  Gift cards and e-certificates will be subject to the gift  unless otherwise stated on the gift card or 
    5.  card or e-certificate suppliers� terms and conditions  Gift cards and e-certificates will be subject to the gift 
    5.  card or e-certificate suppliers� terms and conditions  and will have no value except when used in  Gift cards and e-certificates will be subject to the gift 
    5.  card or e-certificate suppliers� terms and conditions  e-certificate or in the terms and conditions  Gift cards and e-certificates will be subject to the gift  and will have no value except when used in 
      card or e-certificate suppliers� terms and conditions  and will have no value except when used in 
      card or e-certificate suppliers� terms and conditions  and will have no value except when used in  accordance with those terms and conditions.
      accordance with those terms and conditions. and will have no value except when used in  card or e-certificate suppliers� terms and conditions  accompanying the gift card or e-certificate.
      accordance with those terms and conditions. and will have no value except when used in 
      accordance with those terms and conditions. and will have no value except when used in 
      accordance with those terms and conditions. and will have no value except when used in 
    6.  Gift cards and e-certificates will not be honored  accordance with those terms and conditions.
    6.  12. Neither us, our affiliates, nor Third Party Service  accordance with those terms and conditions. Gift cards and e-certificates will not be honored 
    6.  accordance with those terms and conditions. Gift cards and e-certificates will not be honored 
    6.  Gift cards and e-certificates will not be honored  retroactively in connection with any prior purchases, 
    6.  retroactively in connection with any prior purchases,  Gift cards and e-certificates will not be honored  Providers are responsible for any merchant 
    6.  Gift cards and e-certificates will not be honored  retroactively in connection with any prior purchases, 
    6.  Gift cards and e-certificates will not be honored  retroactively in connection with any prior purchases,  nor can they be used as payment on existing Account 
    6.  performance or performance of goods or services  nor can they be used as payment on existing Account  Gift cards and e-certificates will not be honored  retroactively in connection with any prior purchases, 
      retroactively in connection with any prior purchases,  nor can they be used as payment on existing Account 
      retroactively in connection with any prior purchases,  balances with either the participating merchant or us.  nor can they be used as payment on existing Account 
      purchased with the gift card or e-certificate or  nor can they be used as payment on existing Account  retroactively in connection with any prior purchases,  balances with either the participating merchant or us. 
      nor can they be used as payment on existing Account  balances with either the participating merchant or us. 
      nor can they be used as payment on existing Account  Gift cards and e-certificates have no cash value, nor  balances with either the participating merchant or us. 
      balances with either the participating merchant or us.  Gift cards and e-certificates have no cash value, nor  nor can they be used as payment on existing Account  for failure of any merchant to perform due to 
      balances with either the participating merchant or us.  Gift cards and e-certificates have no cash value, nor 
      balances with either the participating merchant or us.  Gift cards and e-certificates have no cash value, nor  may they be redeemed for cash or its equivalent. Any 
      Gift cards and e-certificates have no cash value, nor  bankruptcy, insolvency or any other reason. balances with either the participating merchant or us.  may they be redeemed for cash or its equivalent. Any 
      may they be redeemed for cash or its equivalent. Any  Gift cards and e-certificates have no cash value, nor 
      may they be redeemed for cash or its equivalent. Any  Gift cards and e-certificates have no cash value, nor  unused portion of a gift card will not be returned to 
      Gift cards and e-certificates have no cash value, nor  may they be redeemed for cash or its equivalent. Any  unused portion of a gift card will not be returned to 
      unused portion of a gift card will not be returned to  may they be redeemed for cash or its equivalent. Any 
    Digital Awards you or other recipient of the gift card or e-certificate  unused portion of a gift card will not be returned to  may they be redeemed for cash or its equivalent. Any 
      unused portion of a gift card will not be returned to  may they be redeemed for cash or its equivalent. Any  you or other recipient of the gift card or e-certificate 
      unused portion of a gift card will not be returned to  you or other recipient of the gift card or e-certificate 
    Digital awards are not refundable and will not be  unused portion of a gift card will not be returned to  you or other recipient of the gift card or e-certificate  in cash unless otherwise so stated on the gift 
      in cash unless otherwise so stated on the gift  you or other recipient of the gift card or e-certificate  unused portion of a gift card will not be returned to 
      you or other recipient of the gift card or e-certificate  in cash unless otherwise so stated on the gift 
    replaced if lost or stolen. All redemptions are final. Once  in cash unless otherwise so stated on the gift  you or other recipient of the gift card or e-certificate  card or e-certificate or in the terms and conditions 
      card or e-certificate or in the terms and conditions  in cash unless otherwise so stated on the gift  you or other recipient of the gift card or e-certificate 
      card or e-certificate or in the terms and conditions  in cash unless otherwise so stated on the gift 
    an order is placed, you cannot cancel or request a return.  card or e-certificate or in the terms and conditions  in cash unless otherwise so stated on the gift  accompanying the gift card or e-certificate.
      card or e-certificate or in the terms and conditions  in cash unless otherwise so stated on the gift  accompanying the gift card or e-certificate.
      card or e-certificate or in the terms and conditions  accompanying the gift card or e-certificate.
    A valid e-mail address is required to redeem this award  accompanying the gift card or e-certificate. card or e-certificate or in the terms and conditions 
      accompanying the gift card or e-certificate. card or e-certificate or in the terms and conditions 
    7.  Gift cards are not refundable or exchangeable, and  accompanying the gift card or e-certificate.
    7.  and you must enter your e-mail address during checkout.  accompanying the gift card or e-certificate. Gift cards are not refundable or exchangeable, and 
    7.  Gift cards are not refundable or exchangeable, and  accompanying the gift card or e-certificate.
    7.  Gift cards are not refundable or exchangeable, and  they are not replaceable after issuance in the event 
    Once your order is processed, your e-mail address cannot  7.  they are not replaceable after issuance in the event  Gift cards are not refundable or exchangeable, and 
    7.  they are not replaceable after issuance in the event  Gift cards are not refundable or exchangeable, and 
    7.  of loss or destruction, unless otherwise stated on  Gift cards are not refundable or exchangeable, and  they are not replaceable after issuance in the event 
    be altered for purposes of receiving your digital award. 7.  they are not replaceable after issuance in the event  of loss or destruction, unless otherwise stated on  Gift cards are not refundable or exchangeable, and 
      they are not replaceable after issuance in the event  of loss or destruction, unless otherwise stated on 
      of loss or destruction, unless otherwise stated on  the gift card or e-certificate or in the terms and  they are not replaceable after issuance in the event 
      they are not replaceable after issuance in the event  the gift card or e-certificate or in the terms and  of loss or destruction, unless otherwise stated on 
    Cruises the gift card or e-certificate or in the terms and  of loss or destruction, unless otherwise stated on 
      conditions accompanying the gift card or e-certificate. of loss or destruction, unless otherwise stated on  the gift card or e-certificate or in the terms and 
      conditions accompanying the gift card or e-certificate. of loss or destruction, unless otherwise stated on  the gift card or e-certificate or in the terms and 
    1.  conditions accompanying the gift card or e-certificate. You may redeem points towards cruise passage on  the gift card or e-certificate or in the terms and 
      conditions accompanying the gift card or e-certificate. the gift card or e-certificate or in the terms and 
      conditions accompanying the gift card or e-certificate. the gift card or e-certificate or in the terms and 
    8.  any major cruise line. E-certificates are not refundable and will not be  conditions accompanying the gift card or e-certificate.
    8.  conditions accompanying the gift card or e-certificate. E-certificates are not refundable and will not be 
    8.  E-certificates are not refundable and will not be  conditions accompanying the gift card or e-certificate.
    8.  replaced if lost or stolen. All redemptions are final.  E-certificates are not refundable and will not be 
    8.  2.  replaced if lost or stolen. All redemptions are final.  E-certificates are not refundable and will not be  All cruise redemption requests must be made at   replaced if lost or stolen. All redemptions are final.  8.  E-certificates are not refundable and will not be 
    8.  replaced if lost or stolen. All redemptions are final.  E-certificates are not refundable and will not be 
    8.  E-certificates are not refundable and will not be  least 30 days prior to sailing or you may incur  replaced if lost or stolen. All redemptions are final. 
      replaced if lost or stolen. All redemptions are final. 
    17 replaced if lost or stolen. All redemptions are final.  Credit Cards
    17 additional fees.  replaced if lost or stolen. All redemptions are final.  Credit Cards
    17                       Credit Cards
    17                       Credit Cards
    17                       Credit Cards
    17                       Credit Cards
    17        SM             Credit Cards
    17 BMO Harris Rewards  Program Rules Credit Cards 18
      Once an order is placed you cannot cancel or request 
      Once an order is placed you cannot cancel or request 
      Once an order is placed you cannot cancel or request 
      Once an order is placed you cannot cancel or request  a return. The e-certificate will be sent to the e-mail 
      Once an order is placed you cannot cancel or request  a return. The e-certificate will be sent to the e-mail 
    3.  Cruise packages may only be booked through the  Once an order is placed you cannot cancel or request  a return. The e-certificate will be sent to the e-mail 
      address supplied during Redemption. a return. The e-certificate will be sent to the e-mail 
      a return. The e-certificate will be sent to the e-mail  address supplied during Redemption.
      a return. The e-certificate will be sent to the e-mail  Redemption Center at 1-800-610-8987.  address supplied during Redemption.
      address supplied during Redemption.
      address supplied during Redemption.
    9.  Retail gift cards will be shipped according to value,  address supplied during Redemption.
    4.  9.  Retail gift cards will be shipped according to value,  You may elect not to use points for the full fare 
    9.  Retail gift cards will be shipped according to value, 
    9.  Retail gift cards will be shipped according to value,  with the exception of BMO Harris Bank Gift Cards. 
    9.  Retail gift cards will be shipped according to value,  amount of the cruise package. with the exception of BMO Harris Bank Gift Cards. 
    9.  with the exception of BMO Harris Bank Gift Cards. 
      Retail gift cards valued under $250 will be sent by  Retail gift cards will be shipped according to value, 
      with the exception of BMO Harris Bank Gift Cards. 
      with the exception of BMO Harris Bank Gift Cards.  Retail gift cards valued under $250 will be sent by 
      with the exception of BMO Harris Bank Gift Cards.  Retail gift cards valued under $250 will be sent by 
      U.S. postal service and those valued at $250 or more  5.  You must meet the eligibility requirements  Retail gift cards valued under $250 will be sent by 
      Retail gift cards valued under $250 will be sent by  U.S. postal service and those valued at $250 or more 
      Retail gift cards valued under $250 will be sent by  U.S. postal service and those valued at $250 or more 
      will be shipped by courier. BMO Harris Bank Gift Cards  U.S. postal service and those valued at $250 or more  established by the cruise provider.
      U.S. postal service and those valued at $250 or more  will be shipped by courier. BMO Harris Bank Gift Cards 
      will be shipped by courier. BMO Harris Bank Gift Cards  U.S. postal service and those valued at $250 or more  will be shipped first class by the U.S. postal service,  will be shipped by courier. BMO Harris Bank Gift Cards 
      will be shipped by courier. BMO Harris Bank Gift Cards  will be shipped first class by the U.S. postal service, 
    6.  will be shipped first class by the U.S. postal service,  Once cruise booking is confirmed, no interim price  regardless of dollar amount. will be shipped by courier. BMO Harris Bank Gift Cards 
      will be shipped first class by the U.S. postal service, 
      regardless of dollar amount. will be shipped first class by the U.S. postal service, 
      reductions will be considered or offered.  regardless of dollar amount. will be shipped first class by the U.S. postal service, 
      regardless of dollar amount.
      regardless of dollar amount.
    10. These awards are void where prohibited by law. regardless of dollar amount.
    10. These awards are void where prohibited by law.
    10. These awards are void where prohibited by law. 7.  All cruise awards are non-refundable. 
    10. These awards are void where prohibited by law.
    10. These awards are void where prohibited by law.
    11. Federal, state and local taxes on gift card or  10. These awards are void where prohibited by law.
    11. Federal, state and local taxes on gift card or 
    8.  11. Federal, state and local taxes on gift card or 
      e-certificate purchases are your sole responsibility  Changes may be made up to 90 days prior to sailing 
    11. Federal, state and local taxes on gift card or 
    11. Federal, state and local taxes on gift card or  e-certificate purchases are your sole responsibility 
    11. Federal, state and local taxes on gift card or  (120 days for holiday and special event cruises) for a  e-certificate purchases are your sole responsibility 
      unless otherwise stated on the gift card or  e-certificate purchases are your sole responsibility 
      e-certificate purchases are your sole responsibility  unless otherwise stated on the gift card or 
      $100.00 service fee (subject to change), plus any fees  unless otherwise stated on the gift card or 
      e-certificate or in the terms and conditions  e-certificate purchases are your sole responsibility 
      unless otherwise stated on the gift card or 
      e-certificate or in the terms and conditions  unless otherwise stated on the gift card or 
      unless otherwise stated on the gift card or  e-certificate or in the terms and conditions  imposed by the cruise line. Changes under 90 days 
      e-certificate or in the terms and conditions  accompanying the gift card or e-certificate.
      accompanying the gift card or e-certificate. e-certificate or in the terms and conditions 
      e-certificate or in the terms and conditions  (120 days for holiday and special event cruises) may  accompanying the gift card or e-certificate.
      accompanying the gift card or e-certificate.
      accompanying the gift card or e-certificate.
    12. Neither us, our affiliates, nor Third Party Service  result in forfeiture of the award, or additional fees  accompanying the gift card or e-certificate.
    12. Neither us, our affiliates, nor Third Party Service 
    12. Neither us, our affiliates, nor Third Party Service 
    12. Neither us, our affiliates, nor Third Party Service  may apply.  Providers are responsible for any merchant 
    12. Neither us, our affiliates, nor Third Party Service  Providers are responsible for any merchant 
    12. Neither us, our affiliates, nor Third Party Service  Providers are responsible for any merchant 
      Providers are responsible for any merchant  performance or performance of goods or services 
      Providers are responsible for any merchant  performance or performance of goods or services 
    9.  performance or performance of goods or services 
      purchased with the gift card or e-certificate or  Providers are responsible for any merchant  Travel awards are forfeited for individuals who are 
      performance or performance of goods or services 
      purchased with the gift card or e-certificate or  performance or performance of goods or services 
      no-shows. performance or performance of goods or services  purchased with the gift card or e-certificate or 
      for failure of any merchant to perform due to  purchased with the gift card or e-certificate or 
      purchased with the gift card or e-certificate or  for failure of any merchant to perform due to 
      for failure of any merchant to perform due to  purchased with the gift card or e-certificate or 
      for failure of any merchant to perform due to  bankruptcy, insolvency or any other reason.
    10. Cruise awards may not be used in conjunction with  for failure of any merchant to perform due to  bankruptcy, insolvency or any other reason.
      bankruptcy, insolvency or any other reason. for failure of any merchant to perform due to 
      bankruptcy, insolvency or any other reason.
      bankruptcy, insolvency or any other reason. any type of coupons, vouchers or group rates. 
    Digital Awards bankruptcy, insolvency or any other reason.
    Digital Awards
    Digital Awards
    Digital awards are not refundable and will not be  Digital Awards
    11. All reservations are subject to the conditions of  Digital Awards Digital awards are not refundable and will not be 
    Digital awards are not refundable and will not be 
    replaced if lost or stolen. All redemptions are final. Once  Digital Awards
    Digital awards are not refundable and will not be 
    replaced if lost or stolen. All redemptions are final. Once  Digital awards are not refundable and will not be  carriage, supply or business of the service provider, 
    Digital awards are not refundable and will not be  replaced if lost or stolen. All redemptions are final. Once 
    replaced if lost or stolen. All redemptions are final. Once  an order is placed, you cannot cancel or request a return. 
    replaced if lost or stolen. All redemptions are final. Once  an order is placed, you cannot cancel or request a return.  which include exclusions and limitations of liability.
    an order is placed, you cannot cancel or request a return.  replaced if lost or stolen. All redemptions are final. Once 
    an order is placed, you cannot cancel or request a return.  A valid e-mail address is required to redeem this award 
    A valid e-mail address is required to redeem this award  an order is placed, you cannot cancel or request a return. 
    an order is placed, you cannot cancel or request a return.  A valid e-mail address is required to redeem this award 
    and you must enter your e-mail address during checkout.  12. Proper travel documentation is required at  A valid e-mail address is required to redeem this award 
    and you must enter your e-mail address during checkout.  A valid e-mail address is required to redeem this award 
    A valid e-mail address is required to redeem this award  Once your order is processed, your e-mail address cannot  and you must enter your e-mail address during checkout. 
    and you must enter your e-mail address during checkout.  embarkation and throughout the cruise. Even 
    Once your order is processed, your e-mail address cannot  and you must enter your e-mail address during checkout. 
    and you must enter your e-mail address during checkout.  Once your order is processed, your e-mail address cannot 
    Once your order is processed, your e-mail address cannot  be altered for purposes of receiving your digital award. though a traveler has registered online, it is still the 
    Once your order is processed, your e-mail address cannot  be altered for purposes of receiving your digital award.
    be altered for purposes of receiving your digital award. Once your order is processed, your e-mail address cannot 
    be altered for purposes of receiving your digital award. responsibility of the traveler to present the required 
    Cruises be altered for purposes of receiving your digital award.
    Cruises be altered for purposes of receiving your digital award.
    Cruises travel documents at the time of embarkation. 
    Cruises 1.  You may redeem points towards cruise passage on 
    1.  Cruises You may redeem points towards cruise passage on 
    1.  Cruises You may redeem points towards cruise passage on  Traveler should check with www.travel.state.gov to 
    1.  You may redeem points towards cruise passage on  any major cruise line.
    1.  any major cruise line. You may redeem points towards cruise passage on 
    1.  any major cruise line. determine the travel documents necessary for each  You may redeem points towards cruise passage on 
      any major cruise line.
    2.  any major cruise line. All cruise redemption requests must be made at  
    2.  All cruise redemption requests must be made at   any major cruise line. port of call. Any guest without proper documents will 
    2.  All cruise redemption requests must be made at  
    2.  least 30 days prior to sailing or you may incur  All cruise redemption requests must be made at  
    2.  least 30 days prior to sailing or you may incur  All cruise redemption requests must be made at   not be allowed to board the vessel and no refund of 
    2.  least 30 days prior to sailing or you may incur  All cruise redemption requests must be made at  
      least 30 days prior to sailing or you may incur  additional fees. 
      additional fees.  least 30 days prior to sailing or you may incur 
      least 30 days prior to sailing or you may incur  additional fees. 
      additional fees. 
      additional fees. 
      additional fees. 
    BMO Harris Rewards SM
              SM  Program Rules  18
    BMO Harris Rewards
    BMO Harris Rewards SM  Program Rules 18
    BMO Harris Rewards SM  Program Rules 18
              SM  Program Rules  18
    BMO Harris Rewards SM  Program Rules 18
    19 BMO Harris Rewards  Program Rules Credit Cards 18    3.  Cruise packages may only be booked through the 
    3.  Cruise packages may only be booked through the 
    3.  Redemption Center at 1-800-610-8987.  Cruise packages may only be booked through the 
    3.  Redemption Center at 1-800-610-8987.  Cruise packages may only be booked through the 
    3.  Cruise packages may only be booked through the  Redemption Center at 1-800-610-8987. 
    4.  You may elect not to use points for the full fare 
    3.  Cruise packages may only be booked through the  Redemption Center at 1-800-610-8987. 
    4.  You may elect not to use points for the full fare 
    3.  Redemption Center at 1-800-610-8987.  Cruise packages may only be booked through the 
    4.  amount of the cruise package. You may elect not to use points for the full fare 
    3.  Cruise packages may only be booked through the  Redemption Center at 1-800-610-8987. 
    4.  amount of the cruise package. You may elect not to use points for the full fare 
    3.  4.  Redemption Center at 1-800-610-8987. 
      You may elect not to use points for the full fare  amount of the cruise package. Cruise packages may only be booked through the 
    3.  Redemption Center at 1-800-610-8987.  the cruise fare will be issued. The Redemption Center  Cruise packages may only be booked through the 
    5.  4.  You may elect not to use points for the full fare  amount of the cruise package. You must meet the eligibility requirements  Redemption Center at 1-800-610-8987. 
    4.  5.  Redemption Center at 1-800-610-8987.  assumes no responsibility for advising guests of  amount of the cruise package. You may elect not to use points for the full fare  You must meet the eligibility requirements 
    5.  4.  You may elect not to use points for the full fare  You must meet the eligibility requirements  established by the cruise provider. amount of the cruise package.
    4.  5.  amount of the cruise package. proper travel documentation.  established by the cruise provider. You may elect not to use points for the full fare  You must meet the eligibility requirements 
    5.  4.  established by the cruise provider. You may elect not to use points for the full fare  amount of the cruise package. You must meet the eligibility requirements 
    5.  6.  You must meet the eligibility requirements  Once cruise booking is confirmed, no interim price  established by the cruise provider. amount of the cruise package.
      amount of the cruise package.
    5.  6.  13. Neither us, our affiliates nor Third Party Service  Once cruise booking is confirmed, no interim price  You must meet the eligibility requirements  established by the cruise provider.
    6.  5.  established by the cruise provider. reductions will be considered or offered.  Once cruise booking is confirmed, no interim price  You must meet the eligibility requirements 
    6.  5.  Once cruise booking is confirmed, no interim price  reductions will be considered or offered.  established by the cruise provider. Providers are responsible for the performance of the  You must meet the eligibility requirements 
    5.  6.  reductions will be considered or offered.  Once cruise booking is confirmed, no interim price  You must meet the eligibility requirements  established by the cruise provider.
    6.  7.  reductions will be considered or offered.  All cruise awards are non-refundable.  cruise line. established by the cruise provider. Once cruise booking is confirmed, no interim price 
      established by the cruise provider.
    6.  7.  reductions will be considered or offered.  Once cruise booking is confirmed, no interim price  All cruise awards are non-refundable. 
    7.  6.  All cruise awards are non-refundable.  Once cruise booking is confirmed, no interim price  reductions will be considered or offered. 
    Vacation Packages 6.  8.  7.  reductions will be considered or offered.  All cruise awards are non-refundable.  Once cruise booking is confirmed, no interim price 
    6.  Once cruise booking is confirmed, no interim price  Changes may be made up to 90 days prior to sailing 
    7.  reductions will be considered or offered. 
    8.  All cruise awards are non-refundable.  Changes may be made up to 90 days prior to sailing 
    7.  reductions will be considered or offered.  1.  8.  (120 days for holiday and special event cruises) for a  You may redeem points towards any vacation  Changes may be made up to 90 days prior to sailing  All cruise awards are non-refundable. 
      reductions will be considered or offered. 
    7.  8.  (120 days for holiday and special event cruises) for a  Changes may be made up to 90 days prior to sailing  All cruise awards are non-refundable. 
    8.  7.  (120 days for holiday and special event cruises) for a  All cruise awards are non-refundable.  package offered by any major tour company.  $100.00 service fee (subject to change), plus any fees  Changes may be made up to 90 days prior to sailing 
    8.  7.  Changes may be made up to 90 days prior to sailing  (120 days for holiday and special event cruises) for a  $100.00 service fee (subject to change), plus any fees  All cruise awards are non-refundable. 
    7.  imposed by the cruise line. Changes under 90 days  $100.00 service fee (subject to change), plus any fees  All cruise awards are non-refundable. 
    2.  8.  Changes may be made up to 90 days prior to sailing  (120 days for holiday and special event cruises) for a  All vacation redemption requests must be made 
    8.  (120 days for holiday and special event cruises) for a  $100.00 service fee (subject to change), plus any fees  imposed by the cruise line. Changes under 90 days  Changes may be made up to 90 days prior to sailing 
    8.  Changes may be made up to 90 days prior to sailing  imposed by the cruise line. Changes under 90 days  $100.00 service fee (subject to change), plus any fees  (120 days for holiday and special event cruises) for a  (120 days for holiday and special event cruises) may  at least 30 days prior to travel date or you may 
    8.  Changes may be made up to 90 days prior to sailing  (120 days for holiday and special event cruises) for a  $100.00 service fee (subject to change), plus any fees  imposed by the cruise line. Changes under 90 days  (120 days for holiday and special event cruises) may 
      imposed by the cruise line. Changes under 90 days  (120 days for holiday and special event cruises) for a  incur additional fees. You must meet the eligibility  (120 days for holiday and special event cruises) may  result in forfeiture of the award, or additional fees  $100.00 service fee (subject to change), plus any fees 
      (120 days for holiday and special event cruises) may  (120 days for holiday and special event cruises) for a  imposed by the cruise line. Changes under 90 days  result in forfeiture of the award, or additional fees  $100.00 service fee (subject to change), plus any fees 
      (120 days for holiday and special event cruises) may  $100.00 service fee (subject to change), plus any fees  imposed by the cruise line. Changes under 90 days  requirements established by the travel provider.  result in forfeiture of the award, or additional fees  may apply. 
      may apply.  imposed by the cruise line. Changes under 90 days  $100.00 service fee (subject to change), plus any fees  (120 days for holiday and special event cruises) may  result in forfeiture of the award, or additional fees 
      (120 days for holiday and special event cruises) may  may apply.  imposed by the cruise line. Changes under 90 days  result in forfeiture of the award, or additional fees 
    3.  9.  (120 days for holiday and special event cruises) may  may apply.  Travel awards are forfeited for individuals who are  Vacation packages may only be booked by calling the  imposed by the cruise line. Changes under 90 days  result in forfeiture of the award, or additional fees 
    9.  (120 days for holiday and special event cruises) may  result in forfeiture of the award, or additional fees  may apply.  Travel awards are forfeited for individuals who are 
    9.  no-shows. Travel awards are forfeited for individuals who are  Redemption Center at 1-800-610-8987.  result in forfeiture of the award, or additional fees  (120 days for holiday and special event cruises) may  may apply. 
    9.  no-shows. result in forfeiture of the award, or additional fees  may apply.  Travel awards are forfeited for individuals who are 
      result in forfeiture of the award, or additional fees 
    9.  4.  no-shows. Travel awards are forfeited for individuals who are  Once the vacation package booking is confirmed, no  may apply. 
    10. Cruise awards may not be used in conjunction with  9.  may apply.  Travel awards are forfeited for individuals who are  no-shows.
      may apply. 
    9.  10. Cruise awards may not be used in conjunction with  no-shows. Travel awards are forfeited for individuals who are  interim price reductions will be considered or offered. 
    9.  10. Cruise awards may not be used in conjunction with  Travel awards are forfeited for individuals who are  no-shows. any type of coupons, vouchers or group rates. 
    9.  10. Cruise awards may not be used in conjunction with  Travel awards are forfeited for individuals who are  no-shows. any type of coupons, vouchers or group rates. 
    9.  Travel awards are forfeited for individuals who are 
    10. Cruise awards may not be used in conjunction with  5.  Changes may be made up to 90 days prior to travel  any type of coupons, vouchers or group rates.  no-shows.
    10. Cruise awards may not be used in conjunction with  11. All reservations are subject to the conditions of  any type of coupons, vouchers or group rates.  no-shows.
      no-shows. (120 days for holiday and special events) for a 
    11. All reservations are subject to the conditions of  10. Cruise awards may not be used in conjunction with  any type of coupons, vouchers or group rates. 
    11. All reservations are subject to the conditions of  10. Cruise awards may not be used in conjunction with  any type of coupons, vouchers or group rates. 
      $100.00 service fee (subject to change), plus any   carriage, supply or business of the service provider, 
    10. Cruise awards may not be used in conjunction with  11. All reservations are subject to the conditions of  any type of coupons, vouchers or group rates.  carriage, supply or business of the service provider, 
    10. Cruise awards may not be used in conjunction with 
    11. All reservations are subject to the conditions of  fees imposed by the hotel, airline, tour operator  any type of coupons, vouchers or group rates.  carriage, supply or business of the service provider,  which include exclusions and limitations of liability.
    11. All reservations are subject to the conditions of  any type of coupons, vouchers or group rates.  which include exclusions and limitations of liability. carriage, supply or business of the service provider, 
    11. All reservations are subject to the conditions of  carriage, supply or business of the service provider,  which include exclusions and limitations of liability. or any vendor providing service for your vacation.  any type of coupons, vouchers or group rates. 
    11. All reservations are subject to the conditions of  12. Proper travel documentation is required at  which include exclusions and limitations of liability. carriage, supply or business of the service provider, 
    12. Proper travel documentation is required at  11. All reservations are subject to the conditions of  which include exclusions and limitations of liability. Changes under 90 days (120 days for holiday and  carriage, supply or business of the service provider, 
    12. Proper travel documentation is required at  11. All reservations are subject to the conditions of  embarkation and throughout the cruise. Even  which include exclusions and limitations of liability. carriage, supply or business of the service provider, 
    12. Proper travel documentation is required at  which include exclusions and limitations of liability. embarkation and throughout the cruise. Even  special events) may result in forfeiture of the award,  carriage, supply or business of the service provider, 
      though a traveler has registered online, it is still the  which include exclusions and limitations of liability. carriage, supply or business of the service provider, 
    12. Proper travel documentation is required at  embarkation and throughout the cruise. Even 
    12. Proper travel documentation is required at  embarkation and throughout the cruise. Even  though a traveler has registered online, it is still the  which include exclusions and limitations of liability. or additional fees may apply. 
      which include exclusions and limitations of liability.
    12. Proper travel documentation is required at  responsibility of the traveler to present the required  embarkation and throughout the cruise. Even  though a traveler has registered online, it is still the 
    12. Proper travel documentation is required at  responsibility of the traveler to present the required  though a traveler has registered online, it is still the  embarkation and throughout the cruise. Even 
    6.  Travel awards are forfeited for individuals who are 
    12. Proper travel documentation is required at  embarkation and throughout the cruise. Even  though a traveler has registered online, it is still the  travel documents at the time of embarkation.  responsibility of the traveler to present the required 
    12. Proper travel documentation is required at  though a traveler has registered online, it is still the  embarkation and throughout the cruise. Even  travel documents at the time of embarkation. 
      no-shows. responsibility of the traveler to present the required 
      Traveler should check with www.travel.state.gov to  responsibility of the traveler to present the required  though a traveler has registered online, it is still the  travel documents at the time of embarkation.  embarkation and throughout the cruise. Even 
      though a traveler has registered online, it is still the  responsibility of the traveler to present the required  travel documents at the time of embarkation.  Traveler should check with www.travel.state.gov to  embarkation and throughout the cruise. Even 
    7.  Vacation packages may not be used in conjunction  responsibility of the traveler to present the required  travel documents at the time of embarkation.  though a traveler has registered online, it is still the  determine the travel documents necessary for each  Traveler should check with www.travel.state.gov to 
      determine the travel documents necessary for each  travel documents at the time of embarkation.  responsibility of the traveler to present the required  though a traveler has registered online, it is still the  Traveler should check with www.travel.state.gov to 
      port of call. Any guest without proper documents will  Traveler should check with www.travel.state.gov to  travel documents at the time of embarkation.  with any type of coupons, vouchers or group rates.  determine the travel documents necessary for each  responsibility of the traveler to present the required 
      determine the travel documents necessary for each  Traveler should check with www.travel.state.gov to  responsibility of the traveler to present the required  port of call. Any guest without proper documents will  travel documents at the time of embarkation. 
      travel documents at the time of embarkation.  not be allowed to board the vessel and no refund of  Traveler should check with www.travel.state.gov to  port of call. Any guest without proper documents will  determine the travel documents necessary for each 
    8.  All reservations are subject to the conditions of  not be allowed to board the vessel and no refund of  Traveler should check with www.travel.state.gov to  the cruise fare will be issued. The Redemption Center 
      determine the travel documents necessary for each  port of call. Any guest without proper documents will  travel documents at the time of embarkation. 
      the cruise fare will be issued. The Redemption Center  determine the travel documents necessary for each  not be allowed to board the vessel and no refund of 
      assumes no responsibility for advising guests of  Traveler should check with www.travel.state.gov to  port of call. Any guest without proper documents will 
      carriage, supply or business of the service provider,  Traveler should check with www.travel.state.gov to  port of call. Any guest without proper documents will  not be allowed to board the vessel and no refund of  determine the travel documents necessary for each 
      determine the travel documents necessary for each  assumes no responsibility for advising guests of  not be allowed to board the vessel and no refund of  port of call. Any guest without proper documents will  proper travel documentation. 
      not be allowed to board the vessel and no refund of  which include exclusions and limitations of liability. port of call. Any guest without proper documents will  determine the travel documents necessary for each 
      not be allowed to board the vessel and no refund of  proper travel documentation.  port of call. Any guest without proper documents will 
      port of call. Any guest without proper documents will 
    13. Neither us, our affiliates nor Third Party Service  9.  not be allowed to board the vessel and no refund of  Proper travel documentation is required throughout 
      not be allowed to board the vessel and no refund of 
    19 13. Neither us, our affiliates nor Third Party Service  not be allowed to board the vessel and no refund of  Credit Cards
    19 Providers are responsible for the performance of the  the tour. Even though a traveler has registered  Credit Cards
    19 Providers are responsible for the performance of the  Credit Cards
    19 online, it is still the responsibility of the traveler to  cruise line. Credit Cards
    19
      present the required travel documents at the time of  cruise line. Credit Cards
    19                       Credit Cards
    19 Vacation Packages     Credit Cards
    19                       Credit Cards
    Vacation Packages
    19 1. 
    19 BMO Harris Rewards You may redeem points towards any vacation  SM  Program Rules Credit Cards
                             Credit Cards 20
    1.  You may redeem points towards any vacation 
      package offered by any major tour company. 
      package offered by any major tour company. 
    2.  All vacation redemption requests must be made 
    2.  All vacation redemption requests must be made 
      at least 30 days prior to travel date or you may 
      at least 30 days prior to travel date or you may 
      incur additional fees. You must meet the eligibility 
      incur additional fees. You must meet the eligibility 
      requirements established by the travel provider. 
      requirements established by the travel provider. 
    3.  Vacation packages may only be booked by calling the 
    3.  Vacation packages may only be booked by calling the 
      Redemption Center at 1-800-610-8987. 
      Redemption Center at 1-800-610-8987. 
    4.  Once the vacation package booking is confirmed, no 
    4.  Once the vacation package booking is confirmed, no 
      interim price reductions will be considered or offered. 
      interim price reductions will be considered or offered. 
    5.  Changes may be made up to 90 days prior to travel 
    5.  Changes may be made up to 90 days prior to travel 
      (120 days for holiday and special events) for a 
      (120 days for holiday and special events) for a 
      $100.00 service fee (subject to change), plus any  
      $100.00 service fee (subject to change), plus any  
      fees imposed by the hotel, airline, tour operator 
      fees imposed by the hotel, airline, tour operator 
      or any vendor providing service for your vacation. 
      or any vendor providing service for your vacation. 
      Changes under 90 days (120 days for holiday and 
      Changes under 90 days (120 days for holiday and 
      special events) may result in forfeiture of the award, 
      special events) may result in forfeiture of the award, 
      or additional fees may apply. 
      or additional fees may apply. 
    6.  Travel awards are forfeited for individuals who are 
    6.  Travel awards are forfeited for individuals who are 
      no-shows.
      no-shows.
    7.  Vacation packages may not be used in conjunction 
    7.  Vacation packages may not be used in conjunction 
      with any type of coupons, vouchers or group rates. 
      with any type of coupons, vouchers or group rates. 
    8.  All reservations are subject to the conditions of 
    8.  All reservations are subject to the conditions of 
      carriage, supply or business of the service provider, 
      carriage, supply or business of the service provider, 
      which include exclusions and limitations of liability.
      which include exclusions and limitations of liability.
    9.  Proper travel documentation is required throughout 
    9.  Proper travel documentation is required throughout 
      the tour. Even though a traveler has registered 
      the tour. Even though a traveler has registered 
      online, it is still the responsibility of the traveler to 
      online, it is still the responsibility of the traveler to 
      present the required travel documents at the time of 
      present the required travel documents at the time of 
    BMO Harris Rewards SM  Program Rules 20
    BMO Harris Rewards SM  Program Rules 20      the cruise fare will be issued. The Redemption Center 
      assumes no responsibility for advising guests of 
      proper travel documentation. 
    13. Neither us, our affiliates nor Third Party Service 
      Providers are responsible for the performance of the 
      cruise line.
    Vacation Packages departure. The traveler is responsible for obtaining 
    1.  You may redeem points towards any vacation  the appropriate international travel documentation, 
      package offered by any major tour company.  such as passports and visas. Visit travel.state.gov for 
      passport and visa requirements. The Redemption 
    2.  All vacation redemption requests must be made 
      Center assumes no responsibility for advising guests 
      at least 30 days prior to travel date or you may 
      of proper travel documentation. 
      incur additional fees. You must meet the eligibility 
    10. Neither us, our affiliates nor Third Party Service  requirements established by the travel provider. 
      Providers are responsible for the performance of the 
    3.  Vacation packages may only be booked by calling the 
      travel provider, tour operator or any service vendor.
      Redemption Center at 1-800-610-8987. 
    4.  Statement Credits Once the vacation package booking is confirmed, no 
      interim price reductions will be considered or offered. 
    You may redeem points for a statement credit that may 
    5.  be applied to the Account that earned the points. In the  Changes may be made up to 90 days prior to travel 
    case of pooled accounts, the statement credit will be  (120 days for holiday and special events) for a 
    applied to the account that is logged in at the time the  $100.00 service fee (subject to change), plus any  
    statement credit redemption is made. Please allow up to  fees imposed by the hotel, airline, tour operator 
    7 to 10 business days after redemption for the statement  or any vendor providing service for your vacation. 
    credit to post to your Account. Statement credits will not  Changes under 90 days (120 days for holiday and 
    be applied towards reducing the minimum payment due  special events) may result in forfeiture of the award, 
    on your Account. Statement credit denominations and  or additional fees may apply. 
    point valuations specific to your Rewards Card can be 
    6.  Travel awards are forfeited for individuals who are 
    viewed by logging in to bmoharrisrewards.com.
      no-shows.
    Rev. 11/15
    7.  Vacation packages may not be used in conjunction 
      with any type of coupons, vouchers or group rates. 
    8.  All reservations are subject to the conditions of 
      carriage, supply or business of the service provider, 
      which include exclusions and limitations of liability.
    9.  Proper travel documentation is required throughout 
      the tour. Even though a traveler has registered 
      online, it is still the responsibility of the traveler to 
      present the required travel documents at the time of 
      departure. The traveler is responsible for obtaining 
    BMO Harris Rewards the appropriate international travel documentation,  SM  Program Rules 20
      such as passports and visas. Visit travel.state.gov for 
      passport and visa requirements. The Redemption 
      Center assumes no responsibility for advising guests 
      of proper travel documentation. 
    10. Neither us, our affiliates nor Third Party Service 
      Providers are responsible for the performance of the 
      travel provider, tour operator or any service vendor.
    21                       Credit Cards
    Statement Credits
    You may redeem points for a statement credit that may 
    be applied to the Account that earned the points. In the 
    case of pooled accounts, the statement credit will be 
    applied to the account that is logged in at the time the 
    statement credit redemption is made. Please allow up to 
    7 to 10 business days after redemption for the statement 
    credit to post to your Account. Statement credits will not 
    be applied towards reducing the minimum payment due 
    on your Account. Statement credit denominations and 
    point valuations specific to your Rewards Card can be 
    viewed by logging in to bmoharrisrewards.com.
    Rev. 11/15
    21                       Credit Cards      departure. The traveler is responsible for obtaining 
      the appropriate international travel documentation, 
      such as passports and visas. Visit travel.state.gov for 
      passport and visa requirements. The Redemption 
      Center assumes no responsibility for advising guests 
      of proper travel documentation. 
    10. Neither us, our affiliates nor Third Party Service 
      Providers are responsible for the performance of the 
      travel provider, tour operator or any service vendor.
    Statement Credits
             Questions?
    You may redeem points for a statement credit that may 
    be applied to the Account that earned the points. In the  bmoharrisrewards.com 
    case of pooled accounts, the statement credit will be 
       Log in at bmoharrisrewards.com 24 
    applied to the account that is logged in at the time the 
     hours a day, 7 days a week to view your 
    statement credit redemption is made. Please allow up to 
    7 to 10 business days after redemption for the statement  available points balance or make  
    credit to post to your Account. Statement credits will not  a redemption. 
    be applied towards reducing the minimum payment due 
    on your Account. Statement credit denominations and  1-800-610-8987 
    point valuations specific to your Rewards Card can be 
         Call the Redemption Center at  
    viewed by logging in to bmoharrisrewards.com.
       1-800-610-8987 for rewards program 
    Rev. 11/15 Rev. 01/17
     information. Redemption Center hours of 
    operation are from 8 a.m. to 8 p.m. Central 
     Time, seven (7) days a week, excluding 
             federal holidays.
             Questions?
           bmoharrisrewards.com 
       Log in at bmoharrisrewards.com 24 
     hours a day, 7 days a week to view your 
        available points balance or make  
              a redemption. 
             1-800-610-8987 
         Call the Redemption Center at  
       1-800-610-8987 for rewards program 
    21 information. Redemption Center hours of  Credit Cards
    operation are from 8 a.m. to 8 p.m. Central 
     Time, seven (7) days a week, excluding 
             federal holidays.
    BMO Harris Rewards SM  Program Rules 22
    BMO Harris Rewards SM  Program Rules 22
          Talk with us
          1-800-610-8987
          Learn more
          bmoharrisrewards.com
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    pursuant to a license by MasterCard International Incorporated and are  
    NOT FDIC insured.
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    services provided by BMO Harris Bank N.A. Banking products and services are 
    subject to bank and credit approval. BMO Harris Bank �  is a trade name used by 
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    offered through BMO Harris Financial Advisors, Inc. Member FINRA/SIPC. 
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    offered are: NOT FDIC INSURED � NOT BANK GUARANTEED � NOT A 
    DEPOSIT � MAY LOSE VALUE.
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    MasterCard International Incorporated. Banking products and services are subject 
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