Benefits Guide BMO® AIR MILES®† World Elite®* …

1 Benefits Guide BMO World Elite * Mastercard *. Welcome. Upgrade your story today 2. Getting started 3. your card at a glance 4. Table of Take things up a notch 6. contents Additional option 9. Everyday services to fit your life 10. Terms & conditions 16. Upgrade your story today Thank you for choosing the BMO World Elite Mastercard. Beginning today, you can do more than simply imagine yourself at an exciting destination you can be there. With points that never expire1, your card includes the most comprehensive list of features and Benefits designed to help you create unforgettable memories everywhere you go. 2. Getting started Getting started 1. Activate your new card(s) now. Follow the instructions found on your sticker on your card(s). 2. Register at using your BMO Rewards . collector number. Explore all of your reward options and view your points balance (for primary cardholder only).

2 3. Airport Lounge access . Register your card at for Mastercard Airport Experiences provided by LoungeKey. 4. Download the Mastercard Airport Experiences mobile app from the App Store or Google Play. Use the app to manage your passes , access participating lounges, load exclusive offers, and more. 5. Visit Online Banking at or through the BMO Mobile Banking app. access your credit card account information anytime. 6. Additional cards. Add additional cardholders to your account and earn even more BMO. Rewards points. 3. your card at a glance It's something to celebrate when a flight of the imagination becomes a flight you're actually on. That's what happens when a credit card rewards program becomes more about the rewards and much less about the restrictions: rewards like points you can redeem for any seat, on any airline*, at any time plus, BMO Rewards points cover all flight charges including taxes and 4.

3 Earning potential Earn 3 BMO Rewards points for every $1 you spend on eligible travel, dining and entertainment purchases2a,2b on your BMO World Elite Mastercard. Earn 2 BMO Rewards points for every $1 you spend2b everywhere else on your BMO World Elite Mastercard. Earn 2 bonus BMO Rewards points for every $1 you spend on rentals at at a glance your card participating National Car Rental and Alamo Rent a Car BMO Rewards is where your journeys will start. your redemption options are virtually limitless. When you register, you'll be able to book your next vacation, shop the extensive catalogue of merchandise, gift cards, experiences and Travel Enjoy exclusive access to dream travel flights, hotels, cruises and vacation packages free of restrictions. Use your BMO Rewards points to cover all flight charges, including taxes, when you book through BMO.

4 Rewards. And you can book any seat, on any airline*, at any time Shop Redeem BMO Rewards points for a selection of merchandise, gift cards, experiences and more. Experience Indulge in unique experiences, premium excursions and exclusive events from luxury spa weekends to wine-and-dine tourse. Contribute Invest in the future by redeeming BMO Rewards points for a contribution into a BMO Investment account, or make a charitable donation. Points for cash Turn your BMO Rewards points into cash. For the ultimate in flexibility, treat yourself by purchasing whatever you want, wherever you want and use your BMO Rewards points to pay down your credit card balance.. For more information on redeeming BMO Rewards points for travel or other rewards, visit 5. Take things up a notch your BMO World Elite Mastercard card comes with additional Benefits , designed to help you create unforgettable memories at home and away.

5 6. Mastercard Airport Experiences provided by LoungeKey Make the airport the first highlight of your trip with Mastercard Airport Experiences provided by This Program delivers airport lounge access and exclusive dining, spa and retail offers6 at 400+ airports worldwide. Just present your credit card to access more than 850 VIP. airport lounges around the World . your annual membership includes four (4) complimentary airport lounge passes. Use these passes for yourself or towards the cost of your travelling companions. Any additional passes used within the annual membership period will be charged US$32 per person to your BMO World Elite Mastercard, per Travel and Medical Protection Travel with unlimited-trips-per-year coverage for journeys up to 21 days (up to $2 million in eligible medical expenses).8. Take things up For more details, please review the BMO World Elite Total Travel and Medical Certificate of Insurance in your BMO World Elite a notch Information Guide .

6 Concierge services Need theatre ticket information? Restaurant reservations? Enjoy free 24-hour access to our experienced concierge staff. For more information, call 1-800-741-6758. Car rental savings Save up to 25% off rentals at participating National Car Rental and Alamo Rent A Car For full details about these features, ! visit or call us at 1 866 991 4769. 7. Additional option 10. Optional BMO Credit Card Balance Protection Enhanced Help protect yourself and your family in the event of the unexpected. Protect the balance on your BMO Mastercard from life events such as death, total disability, and job loss. The premium for BMO Credit Card Balance Protection is $ for each $100 of your total statement balance (plus applicable provincial taxes).11. Add this option to your card by visiting or by calling 1-844-840-8142.

7 Additional option 9. Everyday services to fit your life your BMO World Elite Mastercard includes a comprehensive suite of up-to-date card security and payment technologies, account support services and additional insurance coverage. Designed for everyday convenience, these features make your new card the perfect payment option for you. 10. Security and protection Worldwide support If you have an emergency virtually anywhere in the World , you can contact the Mastercard Assistance Centre 24 hours a day: 1-800-247-4623 (within Canada and the ). 1-314-275-6690 (outside North America, call collect). Mastercard Identity Check *. Mastercard Identity Check offers an additional layer of security on your BMO Mastercard for all your online purchases. This enhanced level of security will verify your online purchases through a seamless process to ensure that your card is always protected.

8 Identity Check works with your existing BMO Mastercard and requires no download or registration. Learn more at Extended Warranty Save the cost of buying optional extended warranty insurance on your next purchase by paying with your BMO credit card. Subject to limitations and exclusions, this coverage increases the original manufacturer's warranty period up to a maximum of one additional Purchase Protection Get added protection. Items purchased with your card are automatically insured, subject to limitations and exclusions, against theft or damage for 90 days from date of Everyday services For full details on Extended Warranty and Purchase Protection, including limitations and exclusions, please refer to the to fit your life Information Guide you received with your card. 11. Added value services Mastercard * contactless.

9 Tap & go *. your BMO credit card lets you make purchases at contactless terminals without having to swipe your card. Simply tap your card with contactless on the terminal and away you go . For more information, visit BMO alerts Sign up for BMO alerts an easy way to stay on top of your account details on the go. Receive helpful information by email or text message, such as reminders of your payment due date, credit limit, and more. Go to to register your account. eStatements and eStatement alerts Securely view eStatements for your credit card account anytime through BMO Online Banking. Sign up to receive alerts by email or text message to let you know when your eStatements are available to view. eStatement alerts will help you keep on top of your credit card payments. Apple Pay Add your BMO credit or debit card to Apple Pay and enjoy the security and convenience of paying right from your iPhone, Apple Watch or iPad.

10 Pay in store12 or make payments within apps quickly and easily with Apple Visit for a list of eligible devices. Google Pay . BMO brings a secure and convenient way to pay using your phone and your BMO credit or debit card. Add your BMO credit or debit card to Google Pay and start shopping in stores and in apps. Visit Google Play to download the Google Pay app today. Convenient bill payment Use the following options to make payments on your BMO AIR MILES World Elite Mastercard: Directly from your BMO bank account: BMO Online & Mobile Banking: Visit to register. BMO Telephone Banking: call 1-800-363-9992 to register. Mail Pre-authorized payments: Automatic monthly payments from your BMO account or an account at any financial payment institution in Canada. Call 1-866-991-4769 for more information. In person at any BMO Bank of Montreal branch.