BMO HarrisRewards
SM
Program RulesCredit CardsBMO Harris Bank�
Consumer Rewards Mastercard�(June 22, 2021 / 08:31:32)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .1 Credit Cards1BMO Harris RewardsSM Program�Rules
BMO Harris Bank Platinum Rewards Mastercard� BMO Harris Bank Premium Rewards Mastercard
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BMO Harris Premier Services Premium Rewards Mastercard
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BMO Wealth Management Premium Rewards Mastercard
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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 Rewards.CONTENTSGeneralEarning pointsRedeeming pointsRewardsStatement credits
�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� means the Primary Cardholder and Co-Borrower, where applicable. �Cardholder� does not include 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 (June 22, 2021 / 08:31:32)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .2 BMO Harris RewardsSM Program Rules2under the Program. 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 rewards is handled by Third Party Service Providers.These Rules and Account transactions are also subject to other agreements you may have with us, including your Cardholder Agreement and other agreements governing the Account(s) referenced in the Cardholder Documents (�Governing Agreements�). As a reminder, your Cardholder Agreement contains a provision that addresses arbitration of any disputes regarding your account, including your participation in this Program. Also, your Governing Agreements control if anything in these Rules are inconsistent with the terms of the Governing Agreements.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 reward offers at bmoharrisrewards.com for specific terms and conditions applicable to each reward.General1. We offer the Program at our sole discretion. We reserve the right to change these Rules and rewards 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 rewards. 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.(June 22, 2021 / 08:31:32)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .3 Credit Cards32. 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 or Account, your violation of the Rules, or patterns suggesting improper use of the Program. For the purpose of clarification, transactions that we determine in our own discretion are made for the purpose of abusing the Program are not eligible to earn points and we may reverse any points that were accrued as a result of fraud or abuse of the Program. For further clarification, abuse of the Program includes attempting to earn points not allowed under the Program or by making charges that are outside the scope of usual or customary credit card usage.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 a reward, if your Account is not in good standing. Good standing means that your Account is not canceled, past due or otherwise in default under the terms of any agreements you have with us, including these terms and conditions. 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. You authorize us (which includes, for the purposes of this paragraph, our agents and representatives) to contact you using automatic telephone dialing systems, artificial or prerecorded voice message systems, email and text messaging systems in order to provide you with information regarding the Program and your Account, including information about missed payments, the suspected misuse of your Card, services or rewards received through the Program, or general servicing items. You authorize us to make such contacts using any telephone numbers (including wireless, landline and Voice over Internet Protocol numbers) you have supplied or will supply to us in connection with the Program or your Account or any other account you may have or will establish (June 22, 2021 / 08:31:32)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .4 BMO Harris RewardsSM Program Rules4with us. You understand that anyone with access to your telephone may listen to or read the messages we leave or send you, and you agree that we will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call or text message, you may incur a charge from the company that provides you with telecommunications, wireless and/or data services, and you agree that we will have no liability for such charges. You expressly authorize us to monitor and record your calls with us. You agree that you are the owner and/or primary user of any telephone number or email address you provide to us and that you will notify us if this is no longer true as to any such telephone number or email address.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 rewards under the Program.7. The Program is void where prohibited by law. We are�not responsible for administering the Program or�providing services under the Program. 8. We are not responsible for errors or omissions in any Program document. We are not liable to you or any recipient of services or rewards arising from, or related to, the services or rewards issued under the Program. Please consult directly with third-party booking, reservations and loyalty programs regarding your participation in those programs when you use your BMO Harris Rewards points. We are not responsible for the non-accrual of credit, award points, or other benefits concerning non-BMO Harris Rewards programs.(June 22, 2021 / 08:31:32)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .5 Credit Cards59. You and any recipient of services or rewards 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 reward. 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 a reward vendor or provider files bankruptcy, or otherwise goes out of business, after you have redeemed your points for a reward from the vendor or provider but before you are able to receive or use the reward.10. Neither us, our affiliates nor Third Party Service Providers are responsible for any other party�s performance in connection with delivering services to you under the Program. Each service provider may have its own terms and conditions for the services you request.11. Capitalized terms used and not defined herein have the definitions provided in Governing Agreements.
Summary of Bonus and Earn Rates
Product Name* Base EarnRateBMO Harris Bank PlatinumRe
wards MasterCard 1 point per $1 BMO Harris Bank Premium Re
wards MasterCard 1 point per $1 BMO Harris Premier ServicesPremium R
ewards MasterCard 1 point per $1 BMO Wealth ManagementPremium R
ewards MasterCard 1 point per $1
*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 11 for more information.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .6 BMO Harris RewardsSM Program Rules612. We reserve the right to interpret Rules and Program policies and will be the final authority on point credits and award qualifications.Earning Points1. Base Earn: You will earn one (1) base 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 an eligible card. There is no cap on the amount of base points that can be earned.2. Bonus Earn:� Category Bonus Earn: i.  We may offer you opportunities to earn bonus points on certain categories of eligible purchases, such as gas and grocery purchases. The networks that process your transactions provide transaction category codes, and in turn, merchants determine which codes to use when you make a purchase from them.  However, merchants may not use codes that identify certain transactions as eligible purchases. Further, not every purchase you make at certain merchants will qualify as an eligible purchase. For example, a purchase made other than fuel at a gas station may not be an 
Bonus Earn CategoriesBonus EarnRatesOverall Earnon BonusCategoriesAnniversaryBonusGas & Grocery 1 point per
 $1 2 points per $1 10%Dining, Airfare,and Hot
el2 points per $1 3 points per $1 15%Dining, Airfare,and Hot
el2 points per $1 3 points per $1 15%Dining, Airfare,and Hot
el2 points per $1 3 points per $120%(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .7 Credit Cards7 eligible purchase. Because BMO Harris does not control the categories merchants use to identify transactions, BMO Harris cannot guarantee that each eligible purchase will accrue bonus points.ii.   BMO Harris Bank Platinum Rewards Mastercard: You will earn an additional one (1) bonus point for every one United States dollar ($1.00) in eligible gas and/or grocery purchases (bonus earn category eligible gas and grocery purchases), rounded to the nearest whole dollar. Bonus earn is only available on the first $2,500 of net eligible gas and/or grocery purchases within a calendar quarter. After the $2,500 cap is met within a calendar quarter, you will earn at the base rate in those categories until the next calendar quarter begins and the cap is reset.iii.   BMO Harris Bank Premium Rewards Mastercard and BMO Harris Premier Services 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, 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). Bonus points are only earned on the first $2,500 of net eligible dining, airfare and/or hotel purchases 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.iv.  BMO 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, 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.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .8 BMO Harris RewardsSM Program Rules8� 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 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. 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. Your Account is considered enrolled in the Rewards program effective on the date you open your eligible credit card, unless you change from a non-Rewards card to a Rewards card, where your enrollment date is the date of Product Change.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.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .9 Credit Cards94. 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. Eligible purchases generally include purchase transactions on your statement. However, 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, which includes for clarity, purchases that can be converted to cash or cash equivalents, gift cards (including store gift cards), prepaid cards or cards that can be used for cash-like or quasi-cash transactions, traveler's checks, money orders, and purchases of foreign currency, convenience checks, wire transfers, ATM withdrawals. Fees and card-related charges posted to an Account, including late payment fees, annual fees and interest charges as contained in the applicable Governing Agreements 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, purchases of digital assets, and any unauthorized charges or transactions, and any airfare or hotel reservation booked directly through a third party booking service. For further clarification, transactions that we determine in our own discretion are made for the purpose of abusing the Program are not eligible to earn points and we may reverse any points that were accrued as a result of fraud or abuse of the Program or Account.7. If the Account is closed for any reason, the Account will no longer be able to accrue points and all accrued points not redeemed for that Account will be available to redeem for 90 days as long as Account is closed in good standing.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .10 BMO Harris RewardsSM Program Rules108. 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. You may access BMO Harris Rewards online by logging in at bmoharris.com then clicking �View & Redeem� from the Account details screen. Your available points balance is also available by calling the BMO Harris Rewards Redemption Center (�Redemption Center�) .9. If you have more than one type of Rewards Card specifically addressed by these Rules, points earned on each such Rewards Card may be combined. 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. All pooled accounts must be in good standing to continue to earn and redeem pooled points. 10. Points are not considered your property and cannot be transferred to any other Account, person or entity. Points have no cash value. If we learn of the death of the Cardholder on an Account without a co-borrower, we may automatically redeem any available points as a statement credit to the account that earned the points.11. A request to change your current card type (�Current Card�) to a different card type (�Product Change Card�) without opening a new Account is a Product Change request. Product Change requests are subject to the terms and conditions provided with a Product Change request as well as any applicable Governing Agreements.� Transferring Points: i.  If both your Current Card and your Product Change Card are Rewards Cards that earn points (not the BMO Harris Cash Back Mastercard), the available points on your Current Card will transfer to your Product Change Card at a 1:1 rate.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .11 Credit Cards11ii.  If your Current Card is a Cash Back Card and your Product Change Card is a Rewards Card that earns points, your available cash back balance will be converted into points by multiplying the Cash Back balance by 100 and transferred to your Product Change Card. For example, if your Current Card has an available cash back balance of $125 at the time of Product Change, we will multiply $125 by 100 and transfer 12,500 points to your Product Change Card. iii.  If your Current Card earns points (not the BMO Harris Cash Back Mastercard) and your Product Change Card is a Cash Back Card, your available points balance will be converted into cash back by dividing the balance by 100. For example, if you have an available points balance of 12,500 points at the time of Product Change, we will divide 12,500 by 100 and transfer $125 cash 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 cash back, you will have 90 days after the date of Product Change to redeem any available points or cash back on your Account.v.  If you request a Product Change, you may experience a temporary delay in accessing your available points while we process your request.� Earning Points: i.  The base and bonus earn rates for your Product Change Card will begin with transactions that post after the date of Product Change.� Bonus Points: i.  If you earn an Anniversary bonus with your Card, we will calculate that bonus using the Rules that apply to the product that you are in at the time of your Anniversary.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .12 BMO Harris RewardsSM Program Rules12ii.  If you complete a Product Change from a Rewards Card to another Rewards Card, your Anniversary date does not change. If you complete a Product Change from a non-Rewards Card to a Rewards Card, your Anniversary date will be the date of your Product Change date.iii.  Unless otherwise specified, a Product Change Card is not eligible for an Introductory Bonus.Redeeming Points1. Points may be redeemed for a variety of rewards, as indicated in the catalog (�Catalog�) on the Program website, including airline tickets, vacation packages, cruises, hotel reservations, merchandise, gift cards, and statement credits. For a complete listing of all possible rewards available for redemption, in addition to their current redemption value, terms and conditions, the full Catalog is available at bmoharrisrewards.com. All rewards are subject to the terms and conditions of the applicable merchant or manufacturer. Please consult directly with third-party booking, reservations and loyalty programs regarding your participation in those programs when you use your BMO Harris Rewards points. We are not responsible for non-BMO Harris rewards programs.2. For your available point balance or to make a redemption visit bmoharris.com or call the Redemption Center. 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. 4. Only you may redeem points. Rewards, including airline tickets, may be issued in the name of another person designated by you.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .13 Credit Cards135. 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 rewards are sent to your statement mailing address postage prepaid.7. All rewards are subject to availability and fulfillment fees, if and when they are applicable. Rewards may be discontinued or withdrawn without notice. The redemption value of rewards may be changed at any time without notice. 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 gift cards, merchandise, airline tickets, car or hotel reservations, experiences, cruises or vacation packages.10. Points have no cash value.11.  After you book any travel reward reservation using your points, please contact the Redemption Center regarding changes, re-scheduling, or any additional services pertaining to your reservation.12. You may elect not to use points for the full amount of a travel reward. The difference between the amount of the travel reward and the points redeemed will be�charged to the BMO Harris Bank credit card you�designate.RewardsAirline Tickets1. 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.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .14 BMO Harris RewardsSM Program Rules142. Reservations for airline tickets must be available through the BMO Harris Rewards program at the time�of booking.3. Participating air carriers are subject to change.4. Reservation and ticketing must be completed at time of redemption.5. Tickets may be redeemed 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.6. Airline ticket rewards may not be used in conjunction with any type of coupons, vouchers, Internet fares or companion fares.7. All taxes and the September 11th Security Fee are included in the stated fare. Any applicable baggage fees or any additional charges by the airlines are the responsibility of the passenger and will be billed separately by the airline. All travel itineraries and supporting documentation,will be sent via email and may be accessed through, your BMO Harris Rewards account online.8. Airline tickets are non-refundable and nonchangeable 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. 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 that you designate. 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 (e.g., if reservation was made with all points, it will be refunded in points).9. The Bank, our affiliates and Third Party Service Providers are not responsible for any lost or damaged�luggage.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .15 Credit Cards1510. The Bank, our affiliates and Third Party Service Providers are not responsible for communication of airline schedule changes or the performance of any Airline for tickets redeemed with points from the BMO Harris Rewards program.11. 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.12. Travel rewards are forfeited for individuals who are�no-shows.13. Airline policies are subject to change at any time without notice.Hotel Bookings1. You may redeem points for reservations at hotels worldwide participating in the program. 2. You must meet the eligibility requirements, such as a minimum age restriction, established by the hotel provider. Hotel policies and participation are subject to change at any time without notice.3. Hotel reservations and associated costs or cancellations are subject to the specific hotel cancellation policy. If changes or cancellation to a hotel reservation is necessary, you may contact the Redemption Center with your request prior to check in. Changes or cancellation may incur additional expenses. 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 (e.g., if reservation was made with all points, it will be refunded in points).4. The traveler is responsible for obtaining the appropriate international travel documentation, such as passports and visas. The traveler should (June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .16 BMO Harris RewardsSM Program Rules16have 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.5. Restrictions may apply to hotel frequent guest�programs.6. Neither us, our affiliates nor Third Party Service Providers are responsible for the performance of�any hotel provider.Merchandise1. All merchandise reward orders are subject to product availability.2. Merchandise rewards include applicable sales tax and shipping and handling (via first-class mail, ground delivery or motor freight service within the continental U.S.). 3. Merchandise will be shipped to your statement mailing address if your address on file is within the U.S. 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 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. 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.7. If your package appears to be damaged upon arrival, you should refuse the package if possible. (June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .17 Credit Cards17If�it is not possible to refuse the package, contact the Redemption Center within 24 hours of receipt. Do not attempt to return an item or shipment without first contacting the Redemption Center.8. Damaged merchandise is not returnable if notification is delayed beyond thirty (30) days.9. Merchandise will be replaced once the damaged merchandise has been received from you.10. 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 reward replacement.11. We reserve the right to alter or substitute any or all merchandise rewards (or change point value) at any time without prior notification.12. You may return the substitute reward to us at our expense if it is unacceptable, and we will notify you that your points, if deducted, have been restored.13. We reserve the right to refuse to exchange merchandise or refund points if an item is returned without adhering to this return policy.14. Neither us, our affiliates nor Third Party Service Providers are responsible for the performance of any merchandise or injury related to use of merchandise redeemed with points from the BMO�Harris Rewards program.Gift Cards1. These rewards may not be combined with any other promotional offers.2. Gift cards are valid at participating merchants only through the expiration date (when applicable) printed on the gift card.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .18 BMO Harris RewardsSM Program Rules183. Gift cards and will be subject to the gift card suppliers� terms and conditions and will have no value except when used in accordance with those terms and conditions.4. Gift cards 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. Any unused portion of a gift card will not be returned to you or other recipient of the gift card in cash unless otherwise so stated on the gift card or in the terms and conditions accompanying the gift card.5. 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 in the terms and conditions accompanying the gift card.6. 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. Gift cards will be shipped to your statement mailing address if your address on file is within the U.S.7. These rewards are void where prohibited by law.8. Federal, state and local taxes on gift card purchases are your sole responsibility unless otherwise stated on the gift card or in the terms and conditions accompanying the gift card.9. 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 for failure of any merchant to perform due to bankruptcy, insolvency or any other reason.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .19 Credit Cards19Cruises1. You may redeem points towards cruise passage on any major cruise line available through the Catalog.2. Cruise packages may only be booked through the Redemption Center.3. You must meet the eligibility requirements established by the cruise provider.4. Once cruise booking is confirmed, no interim price reductions will be considered or offered.5. All cruise rewards are non-refundable.6. Changes may be made up to 90 days prior to sailing (120 days for holiday and special event cruises). Changes under 90 days (120 days for holiday and special event cruises) may result in forfeiture of the reward.7. Travel rewards are forfeited for individuals who are no-shows. Any changes may result in service fees and additional fees imposed by the cruise line; you will be notified of such fees in advance.8. Cruise rewards may not be used in conjunction with any type of coupons, vouchers or group rates.9. All reservations are subject to the conditions of carriage, supply or business of the service provider, which include exclusions and limitations of liability.10. Proper travel documentation is required at 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 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.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .20 BMO Harris RewardsSM Program Rules2011. Neither us, our affiliates nor Third Party Service Providers are responsible for the performance of the cruise line.Car Rentals1. You may use points for car rental reservations with select car rental companies listed in the Catalog. Car rental reservations will be prepaid at the time of booking and payment for costs not covered by the use of points will be charged to the BMO Harris Bank credit card you designate.2. In addition to the daily rental rate, fees and taxes, you are responsible for any other charges not included in the daily rental rate, including, but not limited to costs for damages to the vehicle and accessories or incidentals (e.g., child seats, GPS, etc.). 3. Please review car rental terms and conditions for cancellation policies. If you are a no-show, all points and any additional payments for the rental made by BMO Harris Bank credit card will not be refunded.4. You will not receive a credit or refund for any unused portion of your rental period unless where prohibited by law.5. All reservations are subject to the terms and conditions of carriage, supply or business of the service provider, which may include exclusions and limitations of liability.6. Neither us, our affiliates nor Third Party Service Providers are responsible for the performance of the car, car rental company, or any services or features provided by the car rental company.Experiences1. All reservations for experiences will be subject to the merchant�s terms and conditions for any scheduling restrictions, such as maximum group size or time and date availability.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .21 Credit Cards212. The merchant has sole responsibility for honoring any reservation, any of the merchant�s customer loyalty programs, and for the care and quality of all services it provides to you. 3. We do not facilitate nor are we liable for any special requests you make of the merchant, which the merchant may accommodate at its discretion. 4. We will not provide a refund for any missed or canceled reservation if you did not cancel or reschedule according to the merchant's policies. It is within the merchant�s sole discretion to provide an alternative date and time for your experience after a missed or canceled reservation. Once you have scheduled your experience you will be subject to the terms and conditions including those for rescheduling, cancellation and no-shows. 5. If your participation is conditional upon signing an indemnity and release form with the merchant and you decline to sign any document or fail to meet requirements after scheduling, you will not be eligible for any refund and may not be allowed to participate in the experience.6. Merchants may also require compliance with other conditions, including but not limited to conduct, and failure to meet these conditions may result in you being removed from the premises and unable to participate in the experience without a refund.7. Neither us, our affiliates nor Third Party Service Providers are responsible for the performance of the�merchant.Vacation Packages1. You may redeem points towards any vacation package offered through the BMO Harris Rewards�Program.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .22 BMO Harris RewardsSM Program Rules222. Vacation packages may only be booked by calling the Redemption Center and specialty agents that can assist with booking vacation packages are available 8am-5pm Central Time, Monday-Friday.3. Once the vacation package booking is confirmed, no�interim price reductions will be considered or�offered.4. Changes may be made up to 90 days prior to travel (120 days for holiday and special events). Changes under 90 days (120 days for holiday and special events) may result in forfeiture of the reward. Changes are subject to availability and may result in service fees and additional fees imposed by the provider; you will be notified of such fees in�advance.5. Travel rewards are forfeited for individuals who are�no-shows.6. Vacation packages may not be used in conjunction with any type of coupons, vouchers or group rates.7. The difference between the amount of the vacation package and the points redeemed will be charged to the BMO Harris Bank credit card you designate.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.(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .23 Credit Cards2310. 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 CreditsYou may redeem points for a statement credit that may be applied to an eligible account you designate at the Bank. Rewards redeemed to a BMO Harris Checking, Savings, or Money Market account will be credited to that account 7-10 business days after your redemption request. Redemptions to BMO Harris Checking, Savings or Money Market accounts may be considered taxable income from BMO Harris Bank in the tax year in which you redeem the points. BMO Harris Bank may be required to send you a Form 1099-MISC for the year in which you redeem. 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 bmoharris.com and clicking View and Redeem from the Account Details screen. 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.Rev. 07/21(June 22, 2021 / 08:31:33)
121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .24 BMO Harris RewardsSM Program Rules24Questions?
OnlineLog in at bmoharris.com then click "View and Redeem" from your Account details screen. Online�access is available 24 hours a day, 7�days�a�week to view your availablebalance or make a redemption.PhoneCall the Redemption Center at1-800-610-8987�for�rewards program information. Redemption�Center hours of operationare from 8 a.m. to 8 p.m. Central Time, seven�(7)�days a week, excludingfederal holidays.�(June 22, 2021 / 08:31:33)
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121264-2_BMO-50360071_ConsumerRewardProgramRules.pdf  .27 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.
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