No Hassle Credit

• Convenient business credit
  • Your individual credit worthiness is your strength
  • To take advantage of business opportunities or simply keep your business going
  • Access by card, ATM or no fee MasterCard cheque⁹
    
• Easy cash flow management with consolidated payment and 3% minimum payment
  • Mosaik MasterCard for Business consolidates all your payments at month end with one easy payment
    
  • Available pre-authorized debit payment or online payment take the hassle out of writing cheques every month
  • Choose to pay in full, partial or just 3% depending on your needs
• Low interest rate plan option¹⁰
  • See Special Features for current interest rate plans

Purchase Convenience and Peace of Mind

• Payment convenience in person, online or by phone
• Use your card at all MasterCard accepting locations worldwide
• Automatic Purchase Assurance Benefits^† cover most card purchases against theft or damage for a full 90 days from date of purchase
• Extended Warranty Benefits^† doubles the original manufacturers warranty period to a maximum of one additional year
• BMO MasterCard Liability Waiver Program provides protection against employee card abuse to a maximum $50,000 coverage per card account. Minimum 2 employee cards required
• BMO Mosaik BizAssist^TM is an exclusive service that offers virtual business support including:
  • IDefence^TM - for information on identity theft prevention and assistance in the event that you or your business becomes a victim
  • BizAssist Legal – for convenient telephone access to lawyers who can answer questions that come up in the day-to-day running of your business. Here are some examples of the types questions that BizAssist Legal can help with:
    • Should I have employment contracts for my employees?
    • Do I have to pay my employees during breaks?
    • Can I terminate an employee without good cause?
    • My landlord was supposed to add a new electrical system to my offices and hasn’t done it yet. What should I do?
    • My office lease is 10 years and I’m in the 5th year. Could I break the lease?
    • What action could I take if a vendor owes my business money?
  • Zero Liability** protects you and your business In the event that your card is lost or stolen. You will not be liable for any authorized card use provided:
    • You’ve used reasonable care to safeguard your card against loss or theft
    • There has not been more than one unauthorized use of your card within the previous 12 months
    • Your account is in good standing

Helpful Expense Management Features

• Free 24 hour Internet Account Management with BMO details Online
  • Manage your Mosaik^® MasterCard^®* for Business account right from your computer 24 hours a day
  • Help manage business expenses and improve productivity
  • Timely account information, enhanced data functionality and flexible online tools
  • See BMO details Online for more information
    
• Simplified payment
  • Mosaik MasterCard for Business consolidates all your payments at month end
    
• Delegation and empowerment with employee cards
  • An optional feature that lets you assign distinct card limits to employees to streamline business purchasing

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