Website Terms of Use

Please read these terms, conditions, and disclaimers carefully. By accessing this Website, (including, without limitation, websites of BMO Harris Bank N.A. and its affiliates, which collectively are referred to in this document as "BMO Harris," with all such websites collectively being referred to in this document as "this Website"), you agree to be bound by these Website Terms of Use. BMO Harris may add to, delete or otherwise change these Website Terms of Use, from time to time without notice by posting the most recent version on this Website. Please access and review these Website Terms of Use regularly. If you find any of the terms or conditions of these Website Terms of Use unacceptable to you at any time, please discontinue your use of this Website. By continuing to access this Website after the date of any additions, deletions or other changes to these Website Terms of Use, you agree to be bound by the new or changed Website Terms of Use.

Certain sections or pages on this Website may contain separate terms and conditions, which are in addition to the Website Terms of Use. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. These Website Terms of Use are in addition to those that apply to any accounts or services you may have with BMO Harris.

Use of the Website
You agree that you will not engage in any activities related to this Website that are contrary to applicable law, regulations or the terms of any agreements you may have with BMO Harris Bank N.A. or any of its affiliates, vendors, or other third parties in connection with your use of this Website. You further agree to establish commercially reasonable security procedures and controls to protect any of your confidential information. Further, you agree not to misuse this Website or its contents. This Website is intended for persons who are thirteen years old or older. If you are under 13, do not use this Website. If you determine that you need accommodations in order to use this Website, please contact our customer service staff by sending an e-mail to the e-mail address, or calling the telephone number, located at "Contact me" on this Website, or call your local BMO Harris branch.

Use of Information Included on this Website
The information provided on this Website, including, without limitation, financial market data, quotes, charts, calculators, news, product offers, rates, terms and other information accessible on or through this Website is intended for informational purposes only. Said information is believed to be reliable, but is not warranted to be accurate, timely or complete, nor is such information intended to constitute financial, accounting, legal or tax advice. Many factors unknown to us may affect the applicability of any statement or comment that we make on our Website to your particular circumstances. You should consult directly with your tax or legal advisor or other financial provider before acting on any information on this Website.

Disclaimer of Warranty and Limitation of Liability
BMO HARRIS AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION OR TOOL ON THIS WEBSITE OR ANY OTHER WEBSITE LINKED OR REFERENCED ON THIS WEBSITE, NOR DOES BMO HARRIS OR ANY OF ITS AFFILIATES MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE OR ANY OTHER WEBSITE LINKED OR REFERENCED ON THIS WEBSITE.

SUCH INFORMATION OR TOOL IS PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING,WITHOUT LIMITATION, THE IMPLIED CONDITIONS AND WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE PROVISIONS REGARDING IMPLIED WARRANTIES MAY NOT APPLY TO YOU.

BMO HARRIS AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, LOST REVENUES, LOST PROFITS OR PROSPECTIVE ECONOMIC ADVANTAGE, RESULTING FROM ANY USE OR MISUSE OF THIS WEBSITE OR ANY OTHER WEBSITE LINKED OR REFERENCED ON THIS WEBSITE, OR RELIANCE ON THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT HEREOF OR THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH ARE REASONABLY FORSEEABLE.

Security
Do not communicate confidential information to us over the Internet, or request that we communicate confidential information to you over the Internet. If you choose to communicate confidential information to us over the Internet or request that we communicate information to you over the Internet, BMO Harris and its affiliates will not be responsible for any losses or damages you may incur as the result of such communication.

Please see our Security link for more information.

Submissions
All information submitted to BMO Harris via this Website shall be deemed and remain the property of BMO Harris and BMO Harris shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this Website provides to BMO Harris through this Website. BMO Harris shall not be subject to any obligations of confidentiality regarding submitted information except as expressly agreed by BMO Harris executing a confidentiality agreement or as otherwise required by law.

Available Only Where Permitted by Law
The products and services described in pages of this Website are only offered in jurisdictions where they may be legally offered for sale. This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Hyperlinks are Not Endorsements
Links to other websites or references to other products, services or publications do not imply the endorsement or approval of such websites, products, services or publications by BMO Harris or its affiliates. Third party websites reached through links from this Website may also have privacy and security policies different from BMO Harris and its affiliates, and may provide less security. We are not responsible for the collection, use, or security of information by companies outside of BMO Harris Bank N.A. or its affiliates that may be linked to on this Website. If you choose to access any software available through links from this Website, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software. Please review the privacy and security policies of websites reached through links from this Website.

Trademarks BMO Harris Bank, BMO Harris and certain other words, symbols and logos used on this Website in connection with BMO Harris products or services are trademarks and trade dress of BMO Harris. Certain other words and symbols used to identify the source of third party goods and services are trademarks of their respective owners, including the third party trademarks listed below. The display of any such trademarks or trade dress on this Website does not imply that a license of any kind has been granted.

®Diners Club, Diners Club International with the Split Circle Device, Club Rewards, Carte Blanche, Club Cash,Global Vision and T+E Reconciler are registered trademarks of Diners Club International Ltd.

Copyright Notices
Copyright © 2012 BMO Harris Bank N.A. All Rights Reserved.

Any unauthorized downloading, re-transmission, display, distribution or other copying, or modification of any copyrightable matter in the above and/or the contents of this Website herein is strictly prohibited, and could subject those engaging in such activities to legal action.

All information at this Website is protected under the copyright laws of the United States and other countries. In addition,certain information may have been copyrighted by others. Unless otherwise specified, no one has permission to copy,redistribute,reproduce or republish in any form, any information found at this Website. Inquiries about permission should be directed to:

BMO Harris Bank N.A.
Marketing Department
111 West Monroe, 21 W
Chicago, IL 60603

Patents
BMO Harris is licensed by DTC under U.S. Patent Nos. 5,910,988 and 6,032,137. Harris holds a license to practice U.S. Patent Nos.6,405,181; 6,567,791; 7,143,063; 6,795,812; and 6,324,524.
As of 11.19.2010