Credit Cards

BMO Harris Bank® Business 
Platinum Rewards MasterCard®

BMO Harris 
RewardsSM  
Program Rules

BMO Harris RewardsSM 
Program Rules

BMO Harris Bank Business Platinum 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 a business with an eligible credit 
card (“Account”) issued by BMO Harris Bank N.A. 
(“Bank”). “Cardholder” does not include a secondary 
cardholder or Authorized 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 the BMO Harris Bank Business Platinum 
Rewards MasterCard (“Rewards Business Card”) issued 
for business and not personal use. Points earned under 
the Program will be credited to the Account of the 
Cardholder. Only an individual acting on behalf of the 
business is permitted to authorize redemptions under 
the Program. Secondary cardholders and Authorized 
User(s) are not parties to these Rules, and are not entitled 
to benefits of the Program, including 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/rewardssmallbusiness.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.

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Credit Cards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 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 the points. The Bank 
assumes no liability for any such changes.

2.  We reserve the right to cancel your participation in 
the Program, close your Account and cause you to 
forfeit your points without notice in the event of 
fraud or abuse of the Program privileges, violation of 
the Rules by the Cardholder, 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.

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BMO Harris RewardsSM Program RulesUpon bringing your Account into good standing, your 
participation in the Program will be reinstated, 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 consent to the Bank sending 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 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.

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Credit Cards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 an 
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.

Earning Points

1.  You will earn one (1) point for every one United 

States dollar ($1.00) in eligible purchases rounded 
to the nearest whole dollar (i.e., a $5.49 purchase 
would round down to $5.00 while a $5.50 purchase 
would round up to $6.00 prior to being scored) made 
on a Rewards Business Card. There is no cap on the 
amount of points that can be earned. 

2.  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.

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BMO Harris RewardsSM Program Rules3.  All credits and/or returns will result in a debit in the 
same amount of points that were originally earned.

4.  Negative points will post if your returns or credits 

exceed your purchases for the monthly billing period.

5.  Transactions that are not eligible purchases include 
but are not limited to: cash advances, balance 
transfers, cash advances designated as purchases, 
traveler’s checks, money orders, 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.

6.  If the Account is closed for any reason (other than 

fraud or other security concern), including inactivity 
or non-renewal, the Account will no longer be able to 
accrue points and all accrued points not claimed and 
redeemed for the Account will be forfeited.

7.  Points for eligible purchases made to a Rewards 
Business Card held by a secondary cardholder, 
Authorized User or any other individual other than 
you will be credited to your Account.

8.  Earnings from any other Account or program may 

not be combined with points earned from a Rewards 
Business Card.

9.  Rewards Business 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 

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Credit CardsBusiness 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. There is no expiration on points earned with a 

Rewards Business Card.

11.  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 but not limited to airline tickets, 
vacation packages, cruises, hotel reservations, 
merchandise, gift cards, e-certificates, 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.  For available point balance, to view the Catalog 
and pricing, or to make a redemption, visit 
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.

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BMO Harris RewardsSM Program Rules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 
Point Balance. The available Point Balance can be 
viewed on bmoharrisrewards.com once you have 
authenticated and logged in.

4.  Only an individual acting on behalf of the business 
may access the Account through the Redemption 
Center or bmoharrisrewards.com and redeem 
points. All other individuals, including the secondary 
cardholder or Authorized User(s), are not permitted to 
access the Account or make redemptions. 

5.  Points may not be used with any other discount or 
coupon offer. Points may not be used as payment 
for any obligation owed to us, unless otherwise 
permitted in special promotional offers. No cash 
refunds will be issued on redemption of points.

6.  Unless otherwise specified, all awards are sent to 
your statement mailing address, postage prepaid. 

7.  All awards are subject to availability and fulfillment 
fees, if and when they are applicable. Awards may 
be discontinued or withdrawn without notice. The 
redemption value of awards may be changed at any 
time without notice. If you are denied any kind of 
benefit of the Program to which you are entitled,  
our liability shall be limited to your earned portion  
of the benefit.

8.  Neither us, our affiliates, nor Third Party Service 

Providers are responsible for lost, stolen, or damaged 
correspondence or documents.

9.  You have sole responsibility for any charges over 

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  

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Credit Cardsthe BMO Harris Bank credit card you designate, 
subject to any applicable Account restrictions (such  
as credit limits).

10. Points have no cash value.

Awards

Airline Tickets
1.  You may redeem points for a scheduled ticket on 
a major airline carrier, providing that the fares, 
schedules, and ability to generate an electronic 
ticket are possible through the BMO Harris Rewards 
program, by visiting the bmoharrisrewards.com 
website or calling the Redemption Center.

2.  Reservations for tickets exclude the use of charters, 

wholesalers, consolidators, and any fares that are not 
published, available through the BMO Harris Rewards 
program, and/or available for ticketing through a 
certified travel agency.

3.  Participating air carriers are subject to change. 

4.  You may elect not to use points for the full fare 

amount of the airline ticket. 

5.  Reservation and ticketing must be completed at time 

of redemption. 

6.  Tickets may be purchased in any individual’s name. 
The names of all passengers must match their 
government-issued ID and most airlines do not  
allow changes to passenger names once a ticket  
has been issued.

7.  Airline ticket awards may not be used in conjunction 
with any type of coupons, vouchers, Internet fares or 
companion fares.

8.  All taxes and the September 11th Security Fee are 

included in the stated fare.

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BMO Harris RewardsSM Program Rules9.  Any applicable baggage fees or any additional 

charges by the airlines, such as incidentals, are the 
responsibility of the passenger.

10. All travel itineraries and supporting documentation 

will be sent via e-mail and may be accessed through 
bmoharrisrewards.com. 

11.  Airline tickets are non-refundable and non-

changeable unless permitted by the terms of the 
fare. If changes to an itinerary are later necessary, 
you may contact the Redemption Center with your 
request up to 5 days prior to the travel date. Changes 
may incur additional costs such as airline penalty 
fees, increased fares, and service fees that will be 
applied to your BMO Harris Bank credit card. In the 
instance that a refund is due, it will be processed 
within 4 to 6 weeks and will post in the manner in 
which redemption was made (i.e., if reservation was 
made with all points, it will be refunded in points; if 
the reservation was charged to your BMO Harris Bank 
credit card, it will be refunded back to your BMO 
Harris Bank credit card).

12. The Bank, our affiliates and Third Party Service 
Providers are not responsible for any lost or 
damaged luggage.

13.  The Bank and Third Party Service Providers are  
not responsible for communication of airline 
schedule changes. Flight reservations should be  
re-confirmed directly with the airline at least 72 
hours prior to departure.

14. The traveler is responsible for obtaining the 

appropriate international travel documentation, such 
as passports and visas. Visit www.travel.state.gov 
for passport and visa requirements. The Redemption 
Center assumes no responsibility for advising guests 
of proper travel documentation. The traveler should 
have valid government-issued photo ID upon airport 
check-in.

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Credit Cards15.  Travel awards are forfeited for individuals who are 

no-shows.

16. Neither us, our affiliates nor Third Party Service 

Providers are responsible for airline performance. All 
reservations are subject to the conditions of carriage, 
supply or business of the service provider, which 
include exclusions and limitations of liability.

17.  Airline policies are subject to change at any time 

without notice.

Hotel Reservations

1.  You may redeem points for reservations at thousands 

of hotels worldwide. 

2.  Participating hotels are subject to change.

3.  You must meet the eligibility requirements, such as 
a minimum age restriction, established by the hotel 
provider. Hotel policies are subject to change at any 
time without notice.

4.  Hotel reservations cannot be reversed unless 

permitted by the terms of the reservation and are 
subject to the specific hotel/rate cancellation policy. 
If changes or cancellation to a hotel reservation is 
necessary, you may contact the Redemption Center 
with your request up to 5 days prior to your travel 
date. Changes or cancellation may incur additional 
expenses including but not limited to increased rates, 
penalty fees and/or service fees that will be applied 
to your BMO Harris Bank credit card. If a refund is 
due, it will be processed within 4 to 6 weeks and  
will post in the manner in which payment was made 
(i.e., if reservation was made with all points,  
it will be refunded in points; if the reservation  
was charged to your BMO Harris Bank credit card,  
it will be refunded back to the BMO Harris Bank  
credit card).

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BMO Harris RewardsSM Program Rules5.  Hotels do not allow changes to dates, names, room 
type, and number of occupants once booking is 
complete.

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 
a timely and reasonable manner to facilitate the 

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Credit Cardsdelivery process. Additional shipping and handling 
fees for merchandise returned to vendor due to your 
failure to make delivery arrangements will be your 
responsibility.

5.  In-stock merchandise shown in the Catalog will 
ordinarily be delivered within 4 to 6 weeks. 

6.  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 
available warranty information. 

7.  Merchandise shown in the Catalog carries a 100% 

satisfaction guarantee against workmanship defect 
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 

arrival, you should refuse the package if possible. 
If it is not possible to refuse the package, contact 
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 
Center at 1-800-610-8987. 

9.  Damaged merchandise is not returnable if 

notification is delayed beyond thirty (30) days.

10. Merchandise will be replaced once the damaged 

merchandise has been received from you.

11.  For some products, the manufacturer does not 

allow returns but provides warranty service. In such 
a situation, you may receive instruction on how 
to obtain warranty service rather than a complete 
award replacement.

12. We reserve the right to alter or substitute any or all 
merchandise awards (or change point value) at any 
time without prior notification.

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BMO Harris RewardsSM Program Rules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.

14. We reserve the right to refuse to exchange 

merchandise or refund points if an item is returned 
without adhering to this return policy.

Gift Cards/e-Certificates

1.  These awards may not be combined with any other 

promotional offers.

2.  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.

3.  Gift cards and e-certificates must be submitted to the 

merchant upon use. 

4.  Fulfillment of gift cards and e-certificates is the sole 
responsibility of the specific participating merchant.

5.  Gift cards and e-certificates will be subject to the gift 
card or e-certificate suppliers’ terms and conditions 
and will have no value except when used in 
accordance with those terms and conditions.

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 
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 
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 
card or e-certificate or in the terms and conditions 
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 
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.

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Credit Cards8.  E-certificates are not refundable and will not be 

replaced if lost or stolen. All redemptions are final. 
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.

9.  Retail gift cards will be shipped according to value, 
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 
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.

10. These awards are void where prohibited by law.

11.  Federal, state and local taxes on gift card or 

e-certificate purchases are your sole responsibility 
unless otherwise stated on the gift card or 
e-certificate or in the terms and conditions 
accompanying the gift card or e-certificate.

12. Neither us, our affiliates, nor Third Party Service 
Providers are responsible for any merchant 
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 
bankruptcy, insolvency or any other reason.

Digital Awards

Digital awards are not refundable and will not be 
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 
and you must enter your e-mail address during checkout. 
Once your order is processed, your e-mail address cannot 
be altered for purposes of receiving your digital award.

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BMO Harris RewardsSM Program RulesCruises

1.  You may redeem points towards cruise passage on 

any major cruise line.

2.  All cruise redemption requests must be made 

at least 30 days prior to sailing or you may incur 
additional fees. 

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 

amount of the cruise package.

5.  You must meet the eligibility requirements 

established by the cruise provider.

6.  Once cruise booking is confirmed, no interim price 

reductions will be considered or offered. 

7.  All cruise awards are non-refundable. 

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 
result in forfeiture of the award, or additional fees 
may apply. 

9.  Travel awards are forfeited for individuals who are 

no-shows.

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 

carriage, supply or business of the service provider, 
which include exclusions and limitations of liability.

12. Proper travel documentation is required at 

embarkation and throughout the cruise. Even 
though a traveler has registered online, it is still the 

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Credit Cardsresponsibility of the traveler to present the required 
travel documents at the time of embarkation. 
Traveler should check with www.travel.state.gov to 
determine the travel documents necessary for each 
port of call. Any guest without proper documents will 
not be allowed to board the vessel and no refund of 
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

1.  You may redeem points towards any vacation 
package offered by any major tour company.

2.  All vacation redemption requests must be made 
at least 30 days prior to travel date or you may 
incur additional fees. You must meet the eligibility 
requirements established by the travel provider. 

3.  Vacation packages may only be booked by calling the 

Redemption Center at 1-800-610-8987. 

4.  Once the vacation package booking is confirmed, no 

interim price reductions will be considered or offered. 

5.  Changes may be made up to 90 days prior to travel 
(120 days for holiday and special events) for a 
$100.00 service fee (subject to change), plus any fees 
imposed by the hotel, airline, tour operator or any 
vendor providing service for your vacation. Changes 
under 90 days (120 days for holiday and special 
events) may result in forfeiture of the award, or 
additional fees may apply. 

6.  Travel awards are forfeited for individuals who are 

no-shows.

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BMO Harris RewardsSM Program Rules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 
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

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 Business Card 
can be viewed by logging in to bmoharrisrewards.com.

Rev. 11/15

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Credit CardsQuestions?

bmoharrisrewards.com 
Visit bmoharrisrewards.com 24 hours a 
day, 7 days a week to view your available 
point balance, browse the full catalog or 
make a redemption. 

1-800-610-8987 
Call the Redemption Center at  
1-800-610-8987 for rewards program 
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.

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BMO Harris RewardsSM Program RulesTalk with us
1-800-610-8987

Learn more
bmoharrisrewards.com

BMO Harris Bank MasterCard® Gift Cards are issued by BMO Harris Bank 
N.A. pursuant to a license by MasterCard International Incorporated and 
are NOT FDIC insured.

MasterCard® and the MasterCard Brand Mark are registered trademarks 
of MasterCard International Incorporated.

Banking products and services are subject to bank and credit approval 
and are provided by BMO Harris Bank N.A. Member FDIC. BMO Harris 
Bank® and BMO Harris® are trade names used by BMO Harris Bank N.A. 

© 2015 BMO Harris Bank N.A. (11/15)

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