Bank at Work — UC Berkeley Employees

Terms and Conditions for BMO Customer

Bank at Work & Group Banking Services (checking offer)

To receive the checking offer, your employer or organization must participate in BMO Bank at Work or BMO Group

Banking Services. Offer is effective from May 4, 2024 through September 9, 2024and is subject to change at any time

without notice. BMO reserves the right to amend or cancel any part of this program and offer. You may open your

account at a BMO branch, online, or by calling 1-888-779-2265. When opening any account listed in the table below at

a branch or on the phone, you must tell a BMO Banker that you are a Bank at Work or Group Banking Services client.

Provide the banker with promo code BMOP-08353W-BAWSF24 at account opening or enter it when opening your

account online. If you use the QR code on the front of the flyer, the promo code will be automatically applied.

For personal checking — Offer is limited to one checking account per customer. Checking bonus will be reported

to the IRS for tax purposes and you are responsible for any applicable taxes. Bonus not available to existing BMO

or Bank of the West personal checking customers (including signers on joint accounts) or those who have closed

a BMO personal checking account within the past 12 months of opening a new account as part of this offer. If

your balance is zero we may close your account. Account must be open, in good standing, and have a balance

greater than zero when the bonus is paid.

Below is a table outlining how to get the bonuses and when the bonuses will be paid for each offer.

Product Bonus How do I get the bonus?

When will I see the bonus in

my account?

Special Notes

BMO

Platinum

Rewards

Credit Card

25,000 bonus

points after

spending

$2,000 in first

3 months of

account opening

(redeemable for

$250 in cash back

in the form of a

statement credit)

When approved, earn 25,000 points (redeemable for $250 cash back

in the form of statement credit) bonus when you spend $2,000 in the

first 3 months of account opening.

The introductory bonus is

based on total net qualified

purchases made in the first

three months of account

opening and rewards will

be awarded to qualifying

Accounts 3 to 4 weeks after the

conclusion of the three month

period. The points will be

added to the rewards account.

The Account must be current

and in good standing to accrue

and redeem points or cash back,

as applicable. While points

and cash back don’t expire, all

accrued points or cash back

not redeemed will be available

for redemption for 90 days as

long as the Account is closed in

good standing.

BMO Smart

Advantage

Checking

BMO Smart

Money

Checking

$100 • Open a new BMO Smart Money Checking account or BMO Smart

Advantage Checking account using the Promo Code on the front of

this flier.

• Have at least $1,200 in cumulative direct deposits of any combination

of a paycheck, pension payment, Social Security payment, or

other government benefits payment electronically deposited into

the account from an employer or outside agency within 90 days

of opening.

Approximately 100 days

after account opening, the

bonus will be credited to your

personal checking account.

We reserve the right to request

documentation to support that

the direct deposits qualify.

Deposits processed as a debit card

credit or via Account to Account or

Peer to Peer (i.e. Zelle

, Venmo)

transfers do not qualify.

$350 • Open a new BMO Smart Money Checking account or BMO Smart

Advantage Checking account using the Promo Code on the front of

this flier.

• Have at least $4,000 in cumulative direct deposits of any

combination of a paycheck, pension payment, Social Security

payment, or other government benefits payment electronically

deposited into the account from an employer or outside agency

within 90 days of opening.

BMO

Relationship

Checking

$500 • Open a new BMO Relationship Checking account using the Promo Code

on the front of this flier.

• Have at least $7,500 in cumulative direct deposits of any combination

of a paycheck, pension payment, Social Security payment, or

other government benefits payment electronically deposited into

the account from an employer or outside agency within 90 days

of opening.

Minimum opening deposit of $25 for BMO personal checking accounts. BMO Relationship Checking account is a variable rate

account. Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and

APYs offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier.

The following collected balance tiers and corresponding APYs for BMO Relationship Checking account are effective as of May

1, 2024 and are subject to change at our discretion at any time: 0.01% for all balances. Interest is calculated on the entire

collected balance daily at the rate in effect for that balance tier. You must maintain the required minimum collected balance

for each tier in order to earn the APYs disclosed. A periodic rate is applied to the collected balance in the account daily. Interest

is compounded daily on the collected balance and credited to the account monthly on the statement period date. Checks you

deposit into your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may

reduce earnings. For account and fee information or current interest rates, visit bmo.com.

For every month your Savings Builder account balance grows by at least $200, we will credit the account with a $5 savings

reward within 5 calendar days after the end of the month. To calculate if your balance has grown by $200, we will compare

the Ledger Balance on the last Business Day of the previous month to the Ledger Balance on the last Business Day of the

current month. Interest and savings reward payments will not count towards your balance growth. Tip: Deposits made on

weekends and holidays will not be processed until the next business day. To ensure your deposit is counted for the current

month, avoid scheduling your recurring transfer or deposits towards the end of the month.

Your account is eligible for 12 savings rewards beginning with the month your account is opened. The first savings

reward is based on your savings growth from the Business Day the account is opened through the last Business Day

of that month. If your initial deposit is not received until the month after account opening, the account will only be

eligible for 11 savings rewards.

Your account must be open when the savings rewards are paid. Savings rewards will be reported to the IRS for tax purposes

and you are responsible for any applicable taxes.

Exclusions:

• Savings rewards are available for new accounts only. An account switched into Savings Builder from a different product is

not eligible for savings rewards.

• Savings rewards are limited to one Savings Builder account per customer as Primary Account Owner. Only your first account

opened is eligible for savings rewards.

• You are not eligible to receive savings rewards if you have previously opened a Statement Savings account between

February 3, 2020 and October 18, 2021 and participated in the Statement Savings account – Savings Rewards offer.

Minimum opening deposit of $25 is required for Savings Builder accounts. Savings Builder is a variable rate account.

Interest rates and Annual Percentage Yields (APYs) may change daily after the account is open. Interest rates and APYs

offered within two or more consecutive tiers may be the same. In this case, multiple tiers will be shown as a single tier.

The following collected balance tiers and corresponding APYs are effective as of May 1, 2024 and are subject to change

at our discretion at any time: 0.01% for all balances. Interest is calculated on the entire collected balance daily at the rate

in effect for that balance tier. You must maintain the required minimum collected balance for each tier in order to earn

the APYs disclosed. A periodic rate is applied on the collected balance in the account daily. Interest is compounded daily

on the collected balance and credited to the account monthly on the statement period date. Checks you deposit into

your account begin to earn interest on the Business Day we receive credit for them. Fees and withdrawals may reduce

earnings. For account and fee information or current interest rates, visit bmo.com.

Participation in BMO Flex Rewards Program is subject to terms and conditions found in BMO Flex Rewards Program Rules,

available at: www.bmo.com/en-us/main/personal/credit-cards/points-rewards/. The Account must be current and in

good standing to accrue and redeem points or cash back, as applicable. While points and cash back don’t expire, if the Account

is closed for any reason, the Account will no longer be able to accrue points or cash back. All accrued points or cash back not

redeemed will be available for redemption for 90 days as long as the Account is closed in good standing. All cash back is

redeemable in the form of a statement credit.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Zelle

and the Zelle

related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Accounts are subject to approval and are provided in the United States by BMO Bank N.A. Member FDIC

04/24 (24-0694)

bmo.com