BMO Cardholder Agreement and Benefit Coverages

Information Guide BMO? World Elite?* Mastercard?*

BMO Cardholder Agreement and Benefit Coverages

Table of contents

BMO Mastercard Cardholder Agreement

2

BMO World Elite Total Travel And Medical

Certificate/Policy Of Insurance

16

BMO Rewards Terms and Conditions

44

Extended Warranty & Purchase Protection

Certificate/Policy of Insurance

49

BMO Mastercard Cardholder Agreement

Table of contents

1. About some of the words in this agreement

4

2. Ownership of the card and cheques

5

3. Using your card and cheques

5

4. Digital/mobile and contactless payments

6

5. Other card benefits and services

6

6. Your credit limit

6

7. Your responsibility for the total debt

6

8. Your responsibility for lost, stolen or misused cards

6

9. Fees we charge

7

10. Foreign currency transactions

7

11. Promotional interest rates and balance transfers

7

12. Payments

7

13. Interest on cash advances, purchases and fees

8

14. How we calculate interest

8

15. How we apply payments to your account

8

16. Your minimum payment

9

17. Estimated time to repay

9

18. If you have a problem with a merchant

9

19. Limitations on our liability

9

20. Your account statements and notices

9

21. Pre-authorized payments to merchants

9

22. Emergency service

10

23. Cancellation of your card

10

24. Clause required under the

Consumer Protection Act (Quebec)

10

25. Changes to this agreement

10

26. Assigning this agreement

10

27. French Language Clause

11

28.Clause required under the

Consumer Protection Act (Quebec)

11

29. Your personal information

12

30.How to contact us, complaint resolution and the

Financial Consumer Agency of Canada

12

3

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