Buying a new computer for the office or purchasing an airline ticket for an employee's business travel may seem simple enough. But for large organizations that process hundreds or even thousands of purchases each year, how they order, approve, pay, reconcile and account for these purchases can have a profound impact on expenses. By consolidating your business purchasing with the Harris Corporate MasterCard^®* program, you can reduce your check processing costs, improve discounts from your vendors, simplify your expense management and reporting, and may even generate cash rebates on your Harris Corporate MasterCard purchase volume -- essentially turning your Accounts Payable unit into a revenue generator.

The Harris Corporate MasterCard is the right choice for organizations that are serious about reducing purchasing costs, enhancing controls and providing greater convenience to employees. We offer a single card solution suitable for travel and entertainment (T&E), purchasing and fleet expenses, all managed 24/7 via our versatile online tool Harris details Online^®†.

Improved Efficiency and Productivity • Eliminate costs associated with processing and mailing paper checks • Free up working capital with a generous interest-free payment term • Automate your travel & entertainment expense claims • Easy program management via Harris details Online • Eligible for year end cash rebate based on program volume

More Control and Security • Control expenses with individual employee card limits and optional authorization controls • Enhance expense management audits through access to timely information and comprehensive suite of reports • Set authorization and reporting levels to match your organizational hierarchy • Protect against employee card misuse with automatic MasterCoverage Protection®* Program3 - up to $50,000 for organizations with 2-5 cards and up to $100,000 for organizations with more than 5 cards

Purchase Convenience and Added Peace of Mind • Convenience of telephone, online or in person purchasing to expedite receipt of goods and service • Unsurpassed worldwide acceptance of MasterCard • Available cash access1 at ATMs worldwide displaying the MasterCard and Cirrus** logos • Protect your employees traveling on business with automatic Travel benefits2: Up to $500,000 Travel (Common Carrier) Accident Insurance Up to $300 Baggage Delay Benefit (up to $100 per day per insured person and up to 3 days) MasterAssist®* protection, which includes: MasterAssist®* car rental insurance MasterTrip travel®* assistance Travel Services Medical Protection®* MasterLegal®* referral services • MasterAssist Extended Warranty and Purchase Assurance Benefits3 provides additional protection on most Harris Corporate MasterCard purchases

Enhanced Reporting and Decisioning • Harris details Online combines timely account information, card program management and flexible reporting in a paperless environment • Card Administration managed with multi-level access: Cardholder: View statements, unbilled transactions, balance, available credit Card Administrator: View and manage all accounts (add/delete cards, change card limit/cardholder information) • Value added enhanced data for managing and viewing transaction details for hotels, airlines, car rental, and fuel where provided by vendors • Advanced functions include travel expense claim module and comprehensive suite of reports for analysis, decisioning and negotiation with vendors

®*/®† Registered trade mark of Bank of Montreal. All services are provided by Bank of Montreal. Bank of Montreal is a licensed user of the registered trade-mark and design owned by MasterCard International Inc.

** Bank of Montreal is a licensed user of the Cirrus trade-mark owned by Cirrus Systems Inc.

1. Cash Advances are not available on Department cards(card or cardless)
2. Current coverage with limits. Exclusions are contained in the printed materials that will follow under separate cover with card package. subject to change by MasterCard International Inc.
3. Current coverage with limits. Exclusions are contained in Schedule 3 of your Corporate MasterCard Account Agreement. Subject to change by MasterCard International Inc.