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BMO Harris Bank World Mastercard® Credit Card Application
® BMO Harris Bank World MasterCard Credit Card Application FILL OUT THIS APPLICATION TODAY FOR A BMO HARRIS BANK WORLD MASTERCARD CREDIT CARD ® Please send BMO Harris Bank BMO Harris Bank Select World MasterCard I would like to apply for: ® completed forms to: P.O. Box 2035 BMO Harris Bank Premier World MasterCard Milwaukee, WI 53201-9919 PRIMARY APPLICANT Please print or type all information NAME BIRTH DATE SOCIAL SECURITY NUMBER ADDRESS (No P.O. Boxes) CITY STATE ZIP E-MAIL ADDRESS HOME PHONE How long have you lived at your current address? Do you? MONTHLY PAYMENT years months Rent Own Other $ CURRENT EMPLOYER How long have you worked at your employer? EMPLOYER PHONE years months INDIVIDUAL GROSS EMPLOYMENT INCOME OTHER INCOME* SOURCE OF OTHER INCOME $ Annually Monthly $ Annually Monthly PRIMARY BANK NAME TYPE OF ACCOUNT MARITAL STATUS (Please check if you are a resident of AZ, WI, NV, or other Checking Savings Loan community property state): Married Unmarried Separated * Alimony, separate maintenance, or child support need not be revealed if you do not wish to have it considered as a basis for repayment. CO-APPLICANT/SPOUSE Please print or type all information Provide this information for: 1) a co-applicant or 2) a non-applicant spouse if you are a married resident of WI, AZ, NV or other community property state and are applying for individual credit. If you intend to apply for joint credit, please check the “co-applicant” box in this section, and you and your co- applicant must sign this application. INFORMATION PROVIDED FOR: CO-APPLICANT SPOUSE (not a co-applicant) NAME BIRTH DATE SOCIAL SECURITY NUMBER ADDRESS (No P.O. -
Employees' 401(K) Savings Plan of the Bank of Montreal/Harris Stable
Employees’ 401(k) Savings Plan of the Bank of Montreal/Harris Stable Principal Fund Quarterly Update as of June 30, 2020 BMO Harris is committed to providing you with the tools, resources and information you need to prepare for your financial security when you retire. Enclosed you will find a fund fact sheet provided by BMO Asset Management, the underlying fund manager, for the Stable Principal Fund. The fact sheet provides the fund’s objective, strategy, top holdings, principal risks, and portfolio characteristics. Fund Performance Investment returns for the calendar quarter as well as annualized returns for the previous 1, 5, and 10 years are as follows: Performance as of June 30, 2020 QTD 1 Year 5 Year 10 Year Fund Performance* 0.40% 1.82% 1.68% 1.88% Benchmark – ICE BofAML 1-3 Year US Corporate & 1.22% 4.18% 2.11% 1.67% Government Index The Stable Principal Fund was added to the Plan as of December 19, 2014 but these returns reflect the historical performance of the fund’s underlying asset, the BMO Stable Value Fund – Class I. *These returns differ from the Net of Fees returns on the attached fact sheet due to a 0.15% reduction in the total annual expense ratio applicable to Plan assets. As always, it’s important to keep in mind that past performance is no guarantee of future results. Total Annual Operating Expense Ratio Reporting as of June 30, 2020 % Per $1,000 Total Annual Operating Expense Ratio 0.445% $4.45 This expense ratio is inclusive of the 0.15% discount applicable to Plan assets. -
BMO Financial Group's Procurement Governance Process
Where to send invoices? If you are invoicing the following companies: Mail your invoices to: Bank of Montreal Accounts Payable BMO Asset Management Inc. P.O. Box 370 BMO Harris Financing, Inc. Succursale St-Jacques BMO Harris Investment Management. Inc. Montreal, Québec BMO Investments Inc. H3C 2T1 BMO InvestorLine Inc. Canada BMO Life Assurance Company BMO Nesbitt Burns Corporation Limited BMO Nesbitt Burns Fahnestock International Ltd. BMO Nesbitt Burns Financial Services Inc BMO Nesbitt Burns Inc. BMO Nesbitt Burns Ltd. BMO Nesbitt Burns Securities Ltd BMO Private Equity (Canada) Inc. BMO Trust Company Jones Heward Investment Inc Bank of Montreal (US) BMO Accounts Payable BMO (US) Credit Corporation P.O. Box 0010 BMO Asset Management Corp. (Formerly Harris Investment Chicago, Illinois Management Inc.) 60690 U.S.A. BMO Bankcorp, Inc. (formerly Harris Bankcorp Inc.) BMO Capital Markets Corp. BMO Capital Markets GKST Inc. BMO Financial Corp. (formerly Harris Financial Corp.) BMO Harris Bank NA (formerly Harris N.A.) Clark Street Holdings, LLC Dearborn Street Holdings, Inc. Delaware Trust Company Harris Capital Holdings, Inc. Harris Investors Services Inc. Harris MyCFO LLC Harris Preferred Capital Trust LaSalle 115 Holdings, LLC psps Holdings, LLC Stoker Ostler Wealth Advisors, Inc. Sullivan, Bruyette, Speros & Blayney Inc. BMO Financial Corp. Accounts Payable BMO Harris Bank NA P.O. Box 659 BMO Harris Bank NA (formerly Marshall & Ilsley Corporation) Chicago, Illinois Dearborn Street Holdings, LLC 60690 U.S.A. Louisville Realty Corporation M&I Community Development M&I Dealer Finance, Inc. M&I Equipment Finance Company (Wi) M&I Financial Advisors Inc M&I Investment Management Corp. -
Some Implications of the Tensions in Ukraine After a Tense Start to the Week, Market Angst Over the Tensions Between Ukraine ECONOMIC RESEARCH and Russia Has Eased
A timely analysis of recent economic events March 4, 2014 Some Implications of the Tensions in Ukraine After a tense start to the week, market angst over the tensions between Ukraine ECONOMIC RESEARCH and Russia has eased. Russia’s stock market retraced half of Monday’s losses, www.bmocm.com/economics the ruble firmed from record lows, and the Ukrainian hryvnia has stabilized. 1-800-613-0205 While Russia’s troops on the border with Ukraine have returned to their bases, Benjamin Reitzes, the risk is clearly that the situation destabilizes further. Indeed, fears remain Senior Economist that Russia could make a push (official or unofficial) into other Russian- [email protected] speaking provinces in Ukraine under the guise of protecting Russian interests. 416-359-5628 And, the standoff over Crimea is not over yet, though a referendum due March 30 in this Russian speaking province points to increasing Russian influence at the expense of Ukraine’s central government. This crisis is not over yet. As such, it’s worthwhile to take account of the potential economic ramifications. Clearly, an intensified conflict would be negative for the region and global economy. The steep deterioration in relations with Russia is broadly a negative. More specifically, the U.S., EU and Western allies have threatened Russia with economic sanctions and potential expulsion from the G8. The consequences could be quite severe for the Russian economy, depending on the extent of the sanctions. However, Russia is a key supplier of oil and natural gas to Europe, which, along with extensive direct business interest in the country, could make the EU reluctant to apply harsh sanctions. -
Merchant Services Program Terms and Conditions
Merchant Services Program Terms and Conditions (Program Guide) PREFACE Thank you for selecting us for your payment processing needs. Accepting numerous payment options provides a convenience to your customers, increases your customers’ ability to make purchases at your establishment, and helps speed payment to your account. Your Merchant Processing Application will indicate the types of payments and Services you have elected to accept. These Program Terms and Conditions (“the Program Guide”) presents terms governing the acceptance of Visa,® MasterCard,® and Discover® Network Credit Card and Non-PIN Debit Card payments, PayPal in-store Card payments, American Express® Card transactions and applicable Non-Bank Services. This Program Guide, your Merchant Processing Application and the schedules thereto (collectively, the “Agreement”), including, without limitation, the Interchange Qualification Matrix and American Express Program Pricing and one of the Interchange Schedules, as applicable to your pricing method as set forth in the Merchant Processing Application, contains the terms and conditions under which Processor and/or Bank and/or other third parties, will provide services . We will not accept any alterations or strike-outs to the Agreement and, if made, any such alterations or strike-outs shall not apply. Please read this Program Guide completely. You acknowledge that certain Services referenced in the Agreement may not be available to you. IMPORTANT INFORMATION ABOUT BANK’S RESPONSIBILITIES: Discover Network Card Transactions, PayPal in-store Card Transactions, American Express Card Transactions and other Non-Bank Services are not provided to you by Bank, but are provided by Processor and/or third parties. The provisions of this Agreement regarding Discover Network Card Transactions, PayPal in-store Card Transactions, American Express Card Transactions and other Non-Bank Services constitute an agreement solely between you and Processor and/or third parties. -
BMO Harris Bank and the Illinois Housing Development Authority
For Immediate Release IHDA: Andrew Field - (312) 833-6083 April 13, 2018 [email protected] BMO: Emily Penate - (312) 461-7956 [email protected] BMO Harris Bank and the Illinois Housing Development Authority Partner to Help Underwater Homeowners The I-Refi program provides $50,000 in forgivable assistance to help borrowers reduce what they owe on their mortgage and refinance into a new, affordable loan. CHICAGO – The Illinois Housing Development Authority (“IHDA”) today announced that BMO Harris Bank will participate in the I-Refi refinance program for the second year in a row to assist struggling homeowners. The program provides up to $50,000 in forgivable assistance to eligible homeowners to reduce the balance owed on their mortgage and refinance into a new affordable loan based on the current appraised value of the home. “We believe this program can make a difference for hundreds of families across Illinois and we are proud to partner with IHDA for a second year to raise awareness and connect people to the program,” said Ernie Johannson, Group Head, U.S. Personal and Business Banking, BMO Harris Bank. “This is an opportunity for people who meet the criteria for the assistance to speak to one of our BMO Harris Mortgage Bankers and get informed.” According to a report from the property data firm CoreLogic, the Chicagoland area has more than 135,000 underwater homeowners, more than any other metro area in the nation. Since launching in August of 2016, I-Refi has offered a critical lifeline to homeowners who owe more on their mortgage than their home is worth. -
Download the Digital Magazine At: Firstdata.Com/Connected
VOLUME 3 | 2018 THE CENTER OF COMMERCE the innovators CASE STUDY: 2 QSR Company INFORMATION QSR customer upgrades their fraud COVER detection to enable a new mobile RESULTS: application launch PROBLEM: When this customer launched a new version of their mobile app, they saw fraud spikes that decrease & ANALYTICS called for new tools. 80% in fraud. SOLUTION: The Advanced offering of Fraud Detect was implemented with a machine learning QSR- industry model, a rules engine, and Case 14 SOLUTIONS Manager. First Data also implemented a capability $200K allowing this customer to test the model at saved after fees. DATA AT THE SPEED OF COMMERCE different scoring thresholds. The innovators Building the new retail frontier. 19 bonus: SPECIAL section Unlocking Merchant Innovation Using machine learning to combat fraud. Shopping is about to get interesting. 8 Mobility Hits Its Groove 44 Fintech & Bank Fusion 10 Outsmarting Fraudsters 47 The Power of Partnerships 12 Rewards Revolution 48 Payments Everywhere 35 The New Big Data 50 Gen-Z Rising 39 Food for Thought 54 Financial Literacy in the Gig Economy 40 Tackling the Pay Gap download the digital magazine At: FirstData.com/Connected Not sure about you, but our dogs are always finding innovative new ways to get our attention. Through this issue of Connected, we take a look at how partnerships, changing consumer landscapes, and fraud breakthroughs are fetching innovative ideas across industries – Labonardo da Vinci and Thomas Pugison would be so pleased. As you’re reading, keep an eye out for the pooches and pups hidden throughout the pages and count them up. -
First Data Credit Card Fraud Protection – User Guide Contents: 1 How to Reduce the Risk of Card Present Fraud
First Data Credit Card Fraud Protection – User Guide Contents: 1 How to reduce the risk of card present fraud. 4 2 How to reduce the risk of card not present fraud 7 3 Delivering the goods 9 4 Refunding 10 5 Third Party Processing 10 Credit Card Fraud Protection 6 What to do if you suspect or identify a fraudulent transaction 10 7 Chargebacks 11 8 Points to Remember 11 1. How to reduce the risk of card present fraud When the card is present at the point of sale, take a good look at the card to ensure that it is genuine. Ensure that you maintain possession of the card until the transaction has been completed. Check Card Details • Does the card appear genuine? Is the embossing clear and even and does the printing look professional? • Check the front and back to ensure the card contains: - Card Issuer’s logo - Cardholder name - Card number - Expiry date - Signature - CVV2/CVC2 – The 3 digit value located on or near the signature panel of the credit card. - Hologram (should appear three-dimensional and change colour when tilted), • If the customer is paying with a foreign-issued card and using a signature rather than a PIN, check the cardholder’s signature on the receipt against the actual credit card • Check expiration dates on all credit cards. Never accept an expired credit card. • Ensure the number embossed on the front of the card matches the truncated number on the receipt. • Does the name match the customer? For example: does the gender of the presenter match the salutation of the name printed on the card? Ask for photo identification to confirm details if suspicious. -
NAME TYPE ENHANCED 1934 First American Bank Banks and Credit
NAME TYPE ENHANCED 1934 First American Bank Banks and Credit Cards 1st Bank Banks and Credit Cards 1st Bank Credit Card (First Data) Banks and Credit Cards 1st Century Bank Banks and Credit Cards Access National Bank Banks and Credit Cards Alliant Credit Union Banks and Credit Cards Ally Bank Banks and Credit Cards Alpine Bank (Colorado) (Business) Banks and Credit Cards Alterna Savings Banks and Credit Cards Amazon.ca Rewards Visa from Chase Banks and Credit Cards America First Credit Union Banks and Credit Cards American Airlines Aviator Business Card Banks and Credit Cards American Express (Canada) Banks and Credit Cards YES American Express (USA) Banks and Credit Cards YES American Express Merchant Services (EUR) Banks and Credit Cards American Funds (Individual) Banks and Credit Cards American Heritage Federal Credit Union Banks and Credit Cards American National Bank and Trust (Virginia) Banks and Credit Cards American Riviera Bank Banks and Credit Cards Anchor Bank Banks and Credit Cards ANZ (NZ) Banks and Credit Cards Arvest Bank Banks and Credit Cards Assiniboine Credit Union Banks and Credit Cards Associated Bank Banks and Credit Cards ATB Financial (Business) Banks and Credit Cards YES ATB Financial (Personal) Banks and Credit Cards Atlantic Capital Bank Banks and Credit Cards Bank of America Banks and Credit Cards YES Bank of Ann Arbor (Business) Banks and Credit Cards YES Bank of Belleville Banks and Credit Cards Bank of Hawaii (Business) Banks and Credit Cards Bank of North Carolina Banks and Credit Cards Bank of Oklahoma -
Written Testimony of Kim Ford Executive Director U.S. Faster
Written Testimony of Kim Ford Executive Director U.S. Faster Payments Council Before the Task Force on Financial Banking Technology of the House Financial Services Committee “Is Cash Still King? Reviewing the Rise of Mobile Payments” Thursday, January 30, 2020 9:30 am 2128 Rayburn House Office Building 1 | P a g e Chairman Lynch, Ranking Member Emmer, and distinguished members of the Task Force on Financial Technology of the House Financial Service Committee, thank you for this opportunity to testify before you today at this hearing on “Is Cash Still King? Reviewing the Rise of Mobile Payments.” My name is Kim Ford, and I am the Executive Director of the Faster Payments Council (FPC), an industry trade association born out of the efforts of the Federal Reserve and the collective payments industry to modernize the U.S. payments system. Today, the FPC serves as an inclusive and representative membership organization whose mission is to facilitate ubiquitous faster payments in the U.S. Our membership represents every facet of the payments industry, including business end-users, consumer organizations, financial institutions, payment network operators, technology providers, associations and other interested stakeholders such as individuals representing academic institutions and industry consultants. The FPC works to achieve its mission through: 1. Education - The FPC spearheads educational initiatives to foster better understanding of faster payments and confidence among providers and end users to increase adoption. 2. Problem-Solving - The FPC tackles the tough issues that inhibit adoption of faster payments so that end users can pay and be paid in seamless and transparent ways. -
Merchant Services Program Terms and Conditions
Merchant Services Program Terms and Conditions (Program Guide) PREFACE Thank you for selecting us for your payment processing needs. Accepting numerous payment options provides a convenience to your customers, increases your customers’ ability to make purchases at your establishment, and helps speed payment to your account. Your Merchant Processing Application will indicate the types of payments and Services you have elected to accept. These Program Terms and Conditions (“the Program Guide”) presents terms governing the acceptance of Visa®, MasterCard®, and Discover® Network Credit Card and Non-PIN Debit Card payments, PayPal® in-store Card payments, American Express® Card transactions and applicable Non-Bank Services. This Program Guide, your Merchant Processing Application and the schedules thereto (collectively, the “Agreement”), including, without limitation, the Interchange Qualification Matrix and American Express Program Pricing and one of the Interchange Schedules, as applicable to your pricing method as set forth in the Merchant Processing Application, contains the terms and conditions under which Processor and/or Bank and/or other third parties, will provide services . We will not accept any alterations or strike-outs to the Agreement and, if made, any such alterations or strike-outs shall not apply. Please read this Program Guide completely. You acknowledge that certain Services referenced in the Agreement may not be available to you. IMPORTANT INFORMATION ABOUT BANK’S RESPONSIBILITIES: Discover Network Card Transactions, PayPal in-store Card Transactions, American Express Card Transactions and other Non-Bank Services are not provided to you by Bank, but are provided by Processor and/or third parties. The provisions of this Agreement regarding Discover Network Card Transactions, PayPal in-store Card Transactions, American Express Card Transactions and other Non-Bank Services constitute an agreement solely between you and Processor and/or third parties. -
Qualifications
BMO Harris Employer Assisted Housing Program Frequently Asked Questions Qualifications 1. Q: Who qualifies for the BMO Harris Employer Assisted Housing Program? A: To qualify for the BMO Harris Employer Assisted Housing Program employees must: • Be first-time homebuyers (or have not owned a home within the past 36 months) • Be full-time or part-time employees (20 hour minimum) of BMO Harris Bank N.A. (or any affiliate) in Illinois, Indiana, Wisconsin, Arizona, Florida, Washington, Kansas, Missouri or Minnesota. • Have completed one year of satisfactory service. • Be in good standing with satisfactory or better performance appraisal, attendance and punctuality records as confirmed by BMO Harris Bank N.A. Human Resources. • Be able to qualify for mortgage financing from BMO Harris Bank N.A., subject to credit approval and underwriting guidelines. • Be able and willing to contribute at least $1,000 or 1% of the purchase price, whichever is greater, from applicant’s savings. • Demonstrate commitment to working with the EAH program by meeting pertinent conditions stipulated by BMO Harris Bank, including but not limited to credit counseling, home buying education and filling out EAH program reports as required. • Not exceed maximum income eligibility requirements as below: The combined gross annual income of all the people living in the household must be less than the income limit listed below. The number listed above each limit indicates the number of people living in the household. For example, the combined gross annual income for a 4 person