BMO AIR MILES World Elite Business Mastercard Terms & Conditions

a. The value of up to $1,600 could be earned in the first year of Account opening and is based on the combined total value of:

• $149: The annual fee waiver in the first year.
• $613: Premium benefits including five free virtual care visits on Maple shared by you ($520 based on the approximate annual value of 5 GP) plus complimentary membership in Mastercard Travel Pass provided by DragonPass ($93 CAD = $68 USD based on an approximate exchange rate of $1.38 USD as of November 1, 2023).
• $840: Value in 8,000 Cash Miles.

Up to 8,000 AIR MILES Bonus Miles (up to $840 in value with Cash Miles)

Eligible approved applicants will receive:

• A bonus of 3,000 Bonus Miles will be applied to the primary Credit Cardholder’s Collector Account 110 days after the credit card account open date after you spend a minimum of $5,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 3 months after the account open date.
• A further bonus of an additional 2,000 Bonus Miles will be applied to the primary Credit Cardholder’s Collector Account 180 days after the account open date when you spend a minimum of $18,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 6 months after the account open date.
• An additional bonus of 3,000 Bonus Miles will be applied the primary Credit Cardholder’s Collector Account 365 days after the account open date when you spend $35,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date.
• All Bonus Miles are credited in accordance with the set balance preference (between AIR MILES Cash and AIR MILES Dream balances) at the time of posting. The AIR MILES Bonus Miles Offer is subject to the AIR MILES Reward Program Terms and Conditions. Limit of one AIR MILES Bonus Miles Welcome Offer per Collector Number.

Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Bonus Miles to be credited to your AIR MILES primary Credit Cardholder’s Collector Account provided the account is open and in good standing. If the Credit Card is cancelled within 365 days from the date it was opened, all Bonus Miles earned within that period may be cancelled.

c. Annual Fee Waiver Offer ($149 in value): The primary cardholder annual fee of $149 will be waived in the first year and will appear as a fee and a credit on the primary cardholders first statement. After the first year, the annual fee will appear on your Credit Card statement twelve (12) months after the Credit Card open date. The Annual Fee Waiver Offer does not apply to the Additional Card annual fee.

d. Premium benefits including five free virtual care visits on Maple shared by you ($520 based on the approximate annual value of 5 GP). Maple’s physicians, nurse practitioners, and allied healthcare professionals are Canadian licensed and practice in their respective fields right here in Canada. If a cardholder is outside of their province of residence or abroad, they can still access their visits on Maple and connect with these professionals. For an additional fee, Maple also offers access to a wide variety of specialists such as dermatologists and endocrinologists. For additional information about the terms and conditions, visit https://www.getmaple.ca/terms/.

The primary cardholder and a co-owner (if applicable) on the BMO AIR MILES World Elite Business Mastercard credit card account, will each receive an onboarding email from Maple within the first 14 days the BMO AIR MILES World Elite Business Mastercard credit card account is opened. The primary cardholder and co-owner must register through this email invite in order to access their covered visits and are subject to the terms provided by Maple for use of its services. So long as BMO offers eligible cardholders access to this benefit, the 5 covered visits will renew every calendar year (January to December). If the BMO AIR MILES World Elite Business Mastercard credit card account is closed, the primary cardholder and co-owner forfeit any covered visits that have not been used.

e. Mastercard Travel Pass benefit (Value of US $68 = $95 CAD based on exchange rate of 1.40 December 5, 2024): includes membership to participating lounges within the Mastercard Travel Pass provided by DragonPass program – approximate membership value of US$68. Enjoy lounge access for a fee of just US$32 per person, per visit. Mastercard Travel Pass provided by DragonPass is a worldwide program run by DragonPass International Ltd. This benefit will be available to all cardholders of a BMO AIR MILES World Mastercard, BMO Cashback World Mastercard, BMO AIR MILES World Elite Mastercard, BMO Cashback World Elite Mastercard, or BMO AIR MILES World Elite Business Mastercard (all “eligible cardholders”). Eligible cardholders are required to comply with the Conditions of Use available online at mastercardtravelpass.dragonpass.com or on the Mastercard Travel Pass mobile application, as well as any additional terms and conditions applicable to the lounge or offer being used by the eligible cardholder. The Conditions of Use are subject to change from time to time without notice to Issuer or the eligible cardholders. Eligible cardholders wishing to access a participating lounge must present their Mastercard Travel Pass mobile app or membership document showing the QR code and DragonPass membership number (this may be obtained by the eligible cardholder by registering an account at mastercardtravelpass.dragonpass.com or downloading the Mastercard Travel Pass application from the app store) to the lounge receptionist and reference “Mastercard Travel Pass provided by DragonPass.” Some offers may be subject to a per-person, per-visit charge. Where applicable and dependent upon the offer, access charges, including those for an accompanying guest, may be charged to your credit card. Value and benefits of the Mastercard Travel Pass complimentary membership are subject to change without notice.

Cardholders must enroll for this benefit, either through the Mastercard Travel Pass App (available to download for free) or on the Program Website (mastercardtravelpass.dragonpass.com) using a valid Canadian issued BMO World or World Elite Mastercard.

Complimentary and Discounted Instacart+ Membership: You, as the Primary cardmember, can activate this offer using your eligible Canadian BMO Credit Card by 10/31/27 at 11:59PM PT, to receive (i) six (6) months of complimentary Instacart+ membership beginning on the date you activate this offer and (ii) this offer’s promotional Instacart+ annual rate ($20 CAD off annual rate of $99 CAD/year) if you opt-in to auto-enroll during initial offer enrollment. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account. Activate the offer via https://www.instacart.ca/p/bmo-premium or the special offer invitation in your email or account settings. If you have an existing Instacart+ membership, your existing membership will be extended by six months and only members who have an existing annual membership that is set to auto-renew will be defaulted into the discounted annual rate at renewal. By activating this offer, you agree to the Instacart+ Terms and that after your complimentary period ends, your membership will automatically expire unless you choose to renew your membership, opt in to a discounted annual plan, or your existing Instacart+ membership is already set to auto-renew. If you decide to opt-in for auto-renewal into a paid Instacart+ membership at offer enrollment, you will be charged $79 CAD for the first year and $99 CAD/year thereafter for an annual recurring Instacart+ membership billed automatically to any payment method on file, until you cancel. Subscription prices are subject to change. This offer will replace any previously redeemed Instacart+ discounted membership offer if you opt in to auto-renewal at offer enrollment. You must pay for your Instacart+ membership using your eligible Canadian BMO Credit Card to receive the promotional rate. Membership must be activated with a Canadian address. You may cancel your paid subscription by selecting “Cancel Membership” in the “Your Instacart+ Membership” page. You will not be charged if you cancel prior to the end of your complimentary Instacart+ membership period or applicable paid membership start date. You are eligible to receive a refund if you cancel within 5 days of the start of the paid membership term and you have not placed any orders with Instacart+. Benefits of Instacart+ membership include $0 delivery fees on eligible orders. Service and other fees, taxes, and/or tips may apply. This offer is non-transferable. Memberships purchased through third parties are excluded from this offer. BMO is not responsible for the provision of, or the failure to provide, Instacart+ Membership benefits and services. Your BMO Card must be open and not in default to maintain eligibility for Instacart+ membership benefits. This offer is subject to modification or termination at any time without notice. Instacart and/or certain retailers may not be available in all zip or postal codes. This offer is nontransferable. Only one account can redeem this offer per eligible BMO card (excludes purchases made using Apple Pay, PayPal and other forms of digital wallets as payment method).

$10 Instacart Credit per Month BMO Offer: As a Canadian BMO Credit Card Primary cardmember, you can receive one $10 CAD credit in your Instacart account each month you have an active Instacart+ membership after you activate your complimentary BMO Instacart+ membership on https://www.instacart.ca/p/bmo-premium through 10/31/27 at 11:59PM PT. The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month; the monthly credit will not roll over into a subsequent month. The monthly credit is only eligible on one purchase of $50 CAD or more made on Instacart.ca using any eligible Canadian BMO Credit Card . Credit will be applied to the total purchase price for all non-alcohol products, and excludes taxes, service fees, special handling fees and/or other fees; offer cannot be applied to alcohol products. This offer is valid for only one eligible premium Canadian BMO Credit Card per Instacart account. Eligible purchase will qualify for this credit the month your Canadian BMO Credit Card is added to your Instacart account and each month thereafter. To qualify for this credit, your Canadian BMO Credit Card account must be open and not in default at the time of fulfillment. If your credit card account is closed at any time, Instacart and BMO reserve the right to remove any unused Instacart credits from your account. Limit 1 credit per order. Credit has no cash value and is non-transferable. Mobile applications, websites and other information provided by Instacart are not within BMO’s control. BMO is not responsible for the provision of, or the failure to provide, Instacart benefits and services. Deliveries subject to availability. In order to take advantage of this offer, customers must have a valid account on Instacart.ca with their valid Canadian BMO Credit Card on file. Only one offer per account. Instacart reserves the right to modify or cancel this offer at any time. Offer may not be sold, copied, modified, transferred or used retroactively for prior purchases. Void where restricted or prohibited by law. Offer may expire prior to your actual use of the offer, without liability to Instacart. Instacart is not a retailer or seller. Instacart may not be available in all zip or postal codes.

CUMIS General Insurance Company

P.O. Box 5065,

151 North Service Road

Burlington, Ontario L7R 4C2

Canada

1-800-263-9120

www.cumis.com

CUMIS General Insurance Company

P.O. Box 5065,

151 North Service Road

Burlington, Ontario L7R 4C2

Canada

1-800-263-9120

www.cumis.com

CUMIS General Insurance Company

P.O. Box 5065,

151 North Service Road

Burlington, Ontario L7R 4C2

Canada

1-800-263-9120

www.cumis.com