Footnotes - Mosaik MasterCard for Business

Award of AIR MILES reward miles is made for purchases charged to your account and is subject to the terms and conditions of the BMO Mosaik MasterCard for Business Account Agreement sent to you upon application approval.
Bonus reward miles are awarded with the first purchase made using the Owner card, depending on the Reward Option chosen. If you cancel your Reward Option within 30 days of adding it to your account and your annual fee for the Reward Option is rebated, the Bonus reward miles will be cancelled.
The owner will receive a 20% discount from the number of AIR MILES reward miles you would ordinarily require to redeem for flights. This benefit applies to all flights available upon the redemption of AIR MILES reward miles. This benefit applies to all destinations served by flights available upon the redemption of AIR MILES reward miles. This benefit applies all year round. There are no blackout periods. To determine the number of AIR MILES reward miles ordinarily required to redeem for flights, consult the Flight Rewards Zone Maps at www.airmiles.ca or call the AIR MILES Service Centre at 1-888-AIR-MILES (in Toronto, 416-226-5171). This benefit does not apply to the cash portion of the flight redemption (such as fuel surcharges, airport improvement fees and booking fees). This benefit does not apply to the flight component of Package Vacations and Cruises. This offer cannot be combined with any other offer.
Earn double AIR MILES reward miles when you use your Mosaik MasterCard for Business card to pay for your car rental at participating National Car Rental locations in Canada.
Discount applies to basic rate, which does not include governmental-authorized or imposed surcharged, license recoupment/air tax recovery fees or optional items. Offer is subject to standard rental conditions. Blackout dates may apply. Not valid with any other discount or promotional rate. Subject to availability and good only at participating National Car Rental locations. 24-hour advance reservations required.
To receive the Emerald Club benefits you must enrol in the club at www.nationalcar.ca/BMOGold.
Award of CashBack points is made for purchases charged to your account and is subject to the terms and conditions of the Mosaik MasterCard for Business Account Agreement sent to you upon your application approval.
You will receive a FREE membership in the Dominion Automobile Association and the benefits of the BMO Roadside Assistance Plan (Basic Coverage). Membership terms and the features of the plan are described in the certificate that you will receive.
Interest is payable on MasterCard cheques and cash advances from the day they are charged to your account. MasterCard cheques are not available for U.S. Dollar Mosaik MasterCard for Business.
Ongoing interest rates, payment period, and annual fees are subject to change. For current rates and fees visit mosaikbusiness.com.
Annual card fee applies to each Owner and Employee card.
No interest on transactions (excluding cash advances) that appear for the first time on a monthly statement if the balance is paid in full by the due date shown on the statement and if the balance on your previous monthly statement was paid in full by the due date shown on that statement.
Transaction-based reward miles apply only to Everyday Banking for Business (EBB) Plan Accounts. Customers must link their Collector Number to an EBB Plan Account to benefit from the reward miles. To qualify for an additional 10% AIR MILES reward miles, a Business (Current) account and business banking plan (see www.bmo.com/business), along with your Personal qualifying bank account and Everyday Banking Plan, and personal BMO Mosaik MasterCard with the AIR MILES Reward Option are required. Your accounts must be in good standing and the AIR MILES Collector Number for your bank account, BMO Mosaik MasterCard and other qualifying accounts must be the same. See www.bmo.com/business for complete details.

† Important details, including additional applicable limitations and exclusions are contained in the printed materials that will follow under separate cover once your application is approved. Insurance benefits provided and operated by Allianz Global Risks US Insurance Company.

†* This protection provided by Chubb Insurance Company of Canada.

†** This protection provided by Virginia Surety Company Inc.

* MasterCard cheques not available for U.S. Dollar Mosaik MasterCard for Business.

** If your card is used without your authorization, you will not be liable if you 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 and your Account is in good standing. If you do not meet these criteria, your maximum liability for unauthorized use of the card is $50. However, if your card and PIN are used together without your authorization, your maximum liability will be $500 if you willingly disclosed your PIN to another person, didn’t keep you PIN separate from your card or didn’t notify us by telephone within 24 hours of learning that your card was lost or stolen or that the confidentiality of your PIN had been compromised.

® Registered trade-mark of Bank of Montreal.

®* Bank of Montreal is a licensed user of the registered trade-mark and design of MasterCard International Inc.

®†TM Trademarks of AIR MILES International Trading B.V. Used under license by Loyalty Management Group Canada Inc. and Bank of Montreal.

®†*Bank of Montreal is a licensed user of the Interac trade-mark owned by Interac Inc. and the Cirrus trade-mark owned by Cirrus System Inc.

®†† Trade-marks owned by their respective corporations.

®‡ Registered trademark of National Car Rental.

TM BizAssist and IDefence are registered trademarks of Davis + Henderson, Limited Partnership. Bank of Montreal is an authorized user of the trademarks.