Common use of Protecting Your Personal Information Clause in Contracts

Protecting Your Personal Information. Privacy Information Notice Allianz Global Risks US Insurance Company, Canadian Branch (the “insurer”) and the insurer’s insurance administrator, Allianz Global Assistance, and the insurer’s agents, representatives and reinsurers (for the purpose of this Personal Information Notice collectively “we” “us” and “our”) require personal information including: • details about you including your name, date of birth, address, telephone numbers, e-mail address, employer, and other identification • medical records and information about you • records that reflect your business dealings with and through us. This personal information is collected for the following insurance purposes when offering and providing insurance and related services: • To identify and communicate with you • To consider any application for insurance • If approved, to issue a Policy or Certificate of insurance • To administer insurance and related benefits • To evaluate insurance risk, manage and coordinate claims, re-price medical expenses and negotiate payment of claims expenses; • To investigate claims and to determine eligibility for insurance benefits • To provide assistance services • For fraud prevention and debt collection purposes • As required or permitted by law. We only collect personal information necessary for insurance purposes from individuals who apply for insurance, from Certificate or Policy holders, insureds, and claimants. In some cases we also collect personal information from members of a Certificate or Policy holder’s, insured’s or claimant’s family or their friends when they are unable, for medical or other reasons, to communicate directly with us. We also collect and disclose information for the insurance purposes from, to and with, third parties such as, but not necessarily limited to, health care practitioners and facilities in Canada and abroad, government and private health insurers and family members and friends of the insured, Certificate or Policy holder or claimant. We may also use and disclose information from our existing files for the insurance purposes. Our employees who require this information for the purposes of their duties will have access to this file. Upon your request and authorization, we may also disclose this information to other persons. From time to time, and if permitted by applicable law, we may also collect, use or disclose personal information in order to offer additional or upgraded products and services (the “optional purposes”). When an individual applies for, purchases, or is covered by one of our insurance policies or submits a claim for insurance benefits, he or she is presumed to consent to the personal information practices described in this notice. If an individual does not wish to have their personal information used for the optional purposes they need only notify Allianz Global Assistance. A person may decline to have their information collected, used or disclosed for the insurance purposes but in that instance we will likely be unable to provide insurance and related services. Personal information is maintained in the Certificate or Policy holder’s, insured’s or claimant’s file that we establish and maintain in the offices of Allianz Global Assistance. In some instances we may additionally maintain or communicate or transfer information to health care and other service providers located outside of Canada. As a result, personal information may be accessible to regulatory authorities in accordance with the law of these other jurisdictions. For information about how to obtain access to written information about our policies and procedures with respect to service providers outside of Canada, please contact the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. We will retain the personal information we collect for a specified period of time and in a storage method appropriate with legal and our internal corporate requirements. Personal information will be securely destroyed following the expiration of the appropriate retention period. Individuals have a right to request to access or correct personal information we have on file by contacting the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇ or by writing to: Privacy Officer – Allianz Global Assistance ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇, ▇▇▇ ▇▇▇ For a complete copy of our Privacy Policy, please visit ▇▇▇.▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. In Part II of this Certificate of Insurance, certain terms have defined meanings. Those defined terms are as follows. Defined terms are capitalized throughout this document.

Protecting Your Personal Information. Privacy Information Notice Allianz Global Risks US Insurance Company, Canadian Branch (the “insurer”) and the insurer’s insurance administrator, Allianz Global Assistance, and the insurer’s agents, representatives and reinsurers (for the purpose of this Personal Information Notice collectively “we” “us” and “our”) require personal information including: • details about you including your name, date of birth, address, telephone numbers, e-mail address, employer, and other identification • medical records and information about you • records that reflect your business dealings with and through us. This personal information is collected for the following insurance purposes when offering and providing insurance and related services: • To identify and communicate with you • To consider any application for insurance • If approved, to issue a Policy or Certificate of insurance • To administer insurance and related benefits • To evaluate insurance risk, manage and coordinate claims, re-price medical expenses and negotiate payment of claims expenses; • To investigate claims and to determine eligibility for insurance benefits • To provide assistance services • For fraud prevention and debt collection purposes • As required or permitted by law. We only collect personal information necessary for insurance purposes from individuals who apply for insurance, from Certificate or Policy holders, insureds, and claimants. In some cases we also collect personal information from members of a Certificate or Policy holder’s, insured’s or claimant’s family or their friends when they are unable, for medical or other reasons, to communicate directly with us. We also collect and disclose information for the insurance purposes from, to and with, third parties such as, but not necessarily limited to, health care practitioners and facilities in Canada and abroad, government and private health insurers and family members and friends of the insured, Certificate or Policy holder or claimant. We may also use and disclose information from our existing files for the insurance purposes. Our employees who require this information for the purposes of their duties will have access to this file. Upon your request and authorization, we may also disclose this information to other persons. From time to time, and if permitted by applicable law, we may also collect, use or disclose personal information in order to offer additional or upgraded products and services (the “optional purposes”). When an individual applies for, purchases, or is covered by one of our insurance policies or submits a claim for insurance benefits, he or she is presumed to consent to the personal information practices described in this notice. If an individual does not wish to have their personal information used for the optional purposes they need only notify Allianz Global Assistance. A person may decline to have their information collected, used or disclosed for the insurance purposes but in that instance we will likely be unable to provide insurance and related services. Personal information is maintained in the Certificate or Policy holder’s, insured’s or claimant’s file that we establish and maintain in the offices of Allianz Global Assistance. In some instances we may additionally maintain or communicate or transfer information to health care and other service providers located outside of Canada. As a result, personal information may be accessible to regulatory authorities in accordance with the law of these other jurisdictions. For information about how to obtain access to written information about our policies and procedures with respect to service providers outside of Canada, please contact the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. We will retain the personal information we collect for a specified period of time and in a storage method appropriate with legal and our internal corporate requirements. Personal information will be securely destroyed following the expiration of the appropriate retention period. Individuals have a right to request to access or correct personal information we have on file by contacting the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇ or by writing to: Privacy Officer – Allianz Global Assistance ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇ ▇▇▇▇▇▇▇▇▇, ▇▇, ▇▇▇ ▇▇▇ N2P 2E9 For a complete copy of our Privacy Policy, please visit ▇▇▇.▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. In Part II ™/® Trademarks/registered trademarks of this Certificate Bank of InsuranceMontreal. ®* MasterCard is a registered trademark of MasterCard International Incorporated. † Bank of Montreal is member of BMO Financial Group which includes Bank of Montreal Mortgage Corporation, certain BMO InvestorLine Inc., BMO Investments Inc., BMO Trust Company and BMO ▇▇▇▇▇▇▇ ▇▇▇▇▇ Inc. ™*/®* Trade-marks/registered trade-marks of MasterCard International Incorporated. BMO® MasterCard®* BMO Roadside Assistance (Basic Coverage) Terms and Conditions BMO® MasterCard®* The following terms have defined meanings. Those defined terms are as follows. Defined terms are capitalized throughout this documentand conditions describe the BMO Roadside Assistance Program (Basic Coverage) (the “Program”), which is operated and administered by DAA.

Protecting Your Personal Information. Privacy Information Notice Allianz Global Risks US Insurance Company, Canadian Branch (the “insurer”) and the insurer’s insurance administrator, Allianz Global Assistance, and the insurer’s agents, representatives and reinsurers (for the purpose of this Personal Information Notice collectively “we” “us” and “our”) require personal information including: • details about you including your name, date of birth, address, telephone numbers, e-mail address, employer, and other identification • medical records and information about you • records that reflect your business dealings with and through us. This personal information is collected for the following insurance purposes when offering and providing insurance and related services: • To identify and communicate with you • To consider any application for insurance • If approved, to issue a Policy or Certificate of insurance • To administer insurance and related benefits • To evaluate insurance risk, manage and coordinate claims, re-price medical expenses and negotiate payment of claims expenses; • To investigate claims and to determine eligibility for insurance benefits • To provide assistance services • For fraud prevention and debt collection purposes • As required or permitted by law. We only collect personal information necessary for insurance purposes from individuals who apply for insurance, from Certificate or Policy holders, insureds, and claimants. In some cases we also collect personal information from members of a Certificate or Policy holder’s, insured’s or claimant’s family or their friends when they are unable, for medical or other reasons, to communicate directly with us. We also collect and disclose information for the insurance purposes from, to and with, third parties such as, but not necessarily limited to, health care practitioners and facilities in Canada and abroad, government and private health insurers and family members and friends of the insured, Certificate or Policy holder or claimant. We may also use and disclose information from our existing files for the insurance purposes. Our employees who require this information for the purposes of their duties will have access to this file. Upon your request and authorization, we may also disclose this information to other persons. From time to time, and if permitted by applicable law, we may also collect, use or disclose personal information in order to offer additional or upgraded products and services (the “optional purposes”). When an individual applies for, purchases, or is covered by one of our insurance policies or submits a claim for insurance benefits, he or she is presumed to consent to the personal information practices described in this notice. If an individual does not wish to have their personal information used for the optional purposes they need only notify Allianz Global Assistance. A person may decline to have their information collected, used or disclosed for the insurance purposes but in that instance we will likely be unable to provide insurance and related services. Personal information is maintained in the Certificate or Policy holder’s, insured’s or claimant’s file that we establish and maintain in the offices of Allianz Global Assistance. In some instances we may additionally maintain or communicate or transfer information to health care and other service providers located outside of Canada. As a result, personal information may be accessible to regulatory authorities in accordance with the law of these other jurisdictions. For information about how to obtain access to written information about our policies and procedures with respect to service providers outside of Canada, please contact the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. We will retain the personal information we collect for a specified period of time and in a storage method appropriate with legal and our internal corporate requirements. Personal information will be securely destroyed following the expiration of the appropriate retention period. Individuals have a right to request to access or correct personal information we have on file by contacting the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇ or by writing to: Privacy Officer – Allianz Global Assistance ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇ ▇▇▇▇▇▇▇▇▇, ▇▇, ▇▇▇ ▇▇▇ N2P 2E9 For a complete copy of our Privacy Policy, please visit ▇▇▇.▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. In Part II ™/® Trademarks/registered trademarks of this Certificate Bank of InsuranceMontreal. ®* Mastercard is a registered trademark of Mastercard International Incorporated. † Bank of Montreal is member of BMO Financial Group which includes Bank of Montreal Mortgage Corporation, certain BMO InvestorLine Inc., BMO Investments Inc., BMO Trust Company and BMO ▇▇▇▇▇▇▇ ▇▇▇▇▇ Inc. ™*/®* Trade-marks/registered trade-marks of Mastercard International Incorporated. BMO Mastercard BMO Roadside Assistance (Basic Coverage) Terms and Conditions BMO® Mastercard®* The following terms have defined meanings. Those defined terms are as follows. Defined terms are capitalized throughout this documentand conditions describe the BMO Roadside Assistance Program (Basic Coverage) (the “Program”), which is operated and administered by DAA.

Protecting Your Personal Information. Privacy Information Notice Allianz Global Risks US Insurance Company, Canadian Branch (the “insurer”) and the insurer’s insurance administrator, Allianz Global Assistance, and the insurer’s agents, representatives and reinsurers (for the purpose of this Personal Information Notice collectively “we” “us” and “our”) require personal information including: • details about you including your name, date of birth, address, telephone numbers, e-mail address, employer, and other identification • medical records and information about you • records that reflect your business dealings with and through us. This personal information is collected for the following insurance purposes when offering and providing insurance and related services: • To identify and communicate with you • To consider any application for insurance • If approved, to issue a Policy or Certificate of insurance • To administer insurance and related benefits • To evaluate insurance risk, manage and coordinate claims, re-price medical expenses and negotiate payment of claims expenses; • To investigate claims and to determine eligibility for insurance benefits • To provide assistance services • For fraud prevention and debt collection purposes • As required or permitted by law. We only collect personal information necessary for insurance purposes from individuals who apply for insurance, from Certificate or Policy holders, insureds, and claimants. In some cases we also collect personal information from members of a Certificate or Policy holder’s, insured’s or claimant’s family or their friends when they are unable, for medical or other reasons, to communicate directly with us. We also collect and disclose information for the insurance purposes from, to and with, third parties such as, but not necessarily limited to, health care practitioners and facilities in Canada and abroad, government and private health insurers and family members and friends of the insured, Certificate or Policy holder or claimant. We may also use and disclose information from our existing files for the insurance purposes. Our employees who require this information for the purposes of their duties will have access to this file. Upon your request and authorization, we may also disclose this information to other persons. From time to time, and if permitted by applicable law, we may also collect, use or disclose personal information in order to offer additional or upgraded products and services (the “optional purposes”). When an individual applies for, purchases, or is covered by one of our insurance policies or submits a claim for insurance benefits, he or she is presumed to consent to the personal information practices described in this notice. If an individual does not wish to have their personal information used for the optional purposes they need only notify Allianz Global Assistance. A person may decline to have their information collected, used or disclosed for the insurance purposes but in that instance we will likely be unable to provide insurance and related services. Personal information is maintained in the Certificate or Policy holder’s, insured’s or claimant’s file that we establish and maintain in the offices of Allianz Global Assistance. In some instances we may additionally maintain or communicate or transfer information to health care and other service providers located outside of Canada. As a result, personal information may be accessible to regulatory authorities in accordance with the law of these other jurisdictions. For information about how to obtain access to written information about our policies and procedures with respect to service providers outside of Canada, please contact the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. We will retain the personal information we collect for a specified period of time and in a storage method appropriate with legal and our internal corporate requirements. Personal information will be securely destroyed following the expiration of the appropriate retention period. Individuals have a right to request to access or correct personal information we have on file by contacting the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇ or by writing to: Privacy Officer – Allianz Global Assistance ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇, ▇▇▇ ▇▇▇ For a complete copy of our Privacy Policy, please visit ▇▇▇.▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. AIR MILES Rewards Terms and Conditions If you have the BMO AIR MILES World Elite MasterCard, BMO AIR MILES MasterCard or the BMO AIR MILES World MasterCard, you agree to the following terms and conditions which form part of the BMO MasterCard Cardholder Agreement between you and us. In Part II of this Certificate of Insurancethese terms and conditions, certain “you” means the primary cardholder. All other definitions contained in the BMO MasterCard Cardholder Agreement apply to these terms have defined meaningsand conditions. 1. Those defined terms are as follows. Defined terms are capitalized throughout this document.About the words we use in these Terms and Conditions

Protecting Your Personal Information. Privacy Information Notice Allianz Global Risks US Insurance Company, Canadian Branch (the “insurer”) and the insurer’s insurance administrator, Allianz Global Assistance, and the insurer’s agents, representatives and reinsurers (for the purpose of this Personal Information Notice collectively “we” “us” and “our”) require personal information including: • details about you including your name, date of birth, address, telephone numbers, e-mail address, employer, and other identification • medical records and information about you • records that reflect your business dealings with and through us. This personal information is collected for the following insurance purposes when offering and providing insurance and related services: • To identify and communicate with you • To consider any application for insurance • If approved, to issue a Policy or Certificate of insurance • To administer insurance and related benefits • To evaluate insurance risk, manage and coordinate claims, re-price medical expenses and negotiate payment of claims expenses; • To investigate claims and to determine eligibility for insurance benefits • To provide assistance services • For fraud prevention and debt collection purposes • As required or permitted by law. We only collect personal information necessary for insurance purposes from individuals who apply for insurance, from Certificate or Policy holders, insureds, and claimants. In some cases we also collect personal information from members of a Certificate or Policy holder’s, insured’s or claimant’s family or their friends when they are unable, for medical or other reasons, to communicate directly with us. We also collect and disclose information for the insurance purposes from, to and with, third parties such as, but not necessarily limited to, health care practitioners and facilities in Canada and abroad, government and private health insurers and family members and friends of the insured, Certificate or Policy holder or claimant. We may also use and disclose information from our existing files for the insurance purposes. Our employees who require this information for the purposes of their duties will have access to this file. Upon your request and authorization, we may also disclose this information to other persons. From time to time, and if permitted by applicable law, we may also collect, use or disclose personal information in order to offer additional or upgraded products and services (the “optional purposes”). When an individual applies for, purchases, or is covered by one of our insurance policies or submits a claim for insurance benefits, he or she is presumed to consent to the personal information practices described in this notice. If an individual does not wish to have their personal information used for the optional purposes they need only notify Allianz Global Assistance. A person may decline to have their information collected, used or disclosed for the insurance purposes but in that instance we will likely be unable to provide insurance and related services. Personal information is maintained in the Certificate or Policy holder’s, insured’s or claimant’s file that we establish and maintain in the offices of Allianz Global Assistance. In some instances we may additionally maintain or communicate or transfer information to health care and other service providers located outside of Canada. As a result, personal information may be accessible to regulatory authorities in accordance with the law of these other jurisdictions. For information about how to obtain access to written information about our policies and procedures with respect to service providers outside of Canada, please contact the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. We will retain the personal information we collect for a specified period of time and in a storage method appropriate with legal and our internal corporate requirements. Personal information will be securely destroyed following the expiration of the appropriate retention period. Individuals have a right to request to access or correct personal information we have on file by contacting the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇ or by writing to: Privacy Officer – Allianz Global Assistance ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇, ▇▇▇ ▇▇▇ For a complete copy of our Privacy Policy, please visit ▇▇▇.▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. CashBack Rewards Terms and Conditions If you have the BMO CashBack World Elite MasterCard, BMO CashBack World MasterCard, or the BMO CashBack MasterCard, you agree to the following terms and conditions which form part of the BMO MasterCard Cardholder Agreement between you and us. In Part II of this Certificate of Insurancethese terms and conditions, certain “you” means the primary cardholder. All other definitions contained in the BMO MasterCard Cardholder Agreement apply to these terms have defined meanings. Those defined terms are as follows. Defined terms are capitalized throughout this documentand conditions.

Protecting Your Personal Information. Privacy Information Notice Allianz Global Risks US Insurance Company, Canadian Branch (the “insurer”) and the insurer’s insurance administrator, Allianz Global Assistance, and the insurer’s agents, representatives and reinsurers (for the purpose of this Personal Information Notice collectively “we” “us” and “our”) require personal information including: • details about you including your name, date of birth, address, telephone numbers, e-mail address, employer, and other identification • medical records and information about you • records that reflect your business dealings with and through us. This personal information is collected for the following insurance purposes when offering and providing insurance and related services: • To identify and communicate with you • To consider any application for insurance • If approved, to issue a Policy or Certificate of insurance • To administer insurance and related benefits • To evaluate insurance risk, manage and coordinate claims, re-price medical expenses and negotiate payment of claims expenses; • To investigate claims and to determine eligibility for insurance benefits • To provide assistance services • For fraud prevention and debt collection purposes • As required or permitted by law. We only collect personal information necessary for insurance purposes from individuals who apply for insurance, from Certificate or Policy holders, insureds, and claimants. In some cases we also collect personal information from members of a Certificate or Policy holder’s, insured’s or claimant’s family or their friends when they are unable, for medical or other reasons, to communicate directly with us. We also collect and disclose information for the insurance purposes from, to and with, third parties such as, but not necessarily limited to, health care practitioners and facilities in Canada and abroad, government and private health insurers and family members and friends of the insured, Certificate or Policy holder or claimant. We may also use and disclose information from our existing files for the insurance purposes. Our employees who require this information for the purposes of their duties will have access to this file. Upon your request and authorization, we may also disclose this information to other persons. From time to time, and if permitted by applicable law, we may also collect, use or disclose personal information in order to offer additional or upgraded products and services (the “optional purposes”). When an individual applies for, purchases, or is covered by one of our insurance policies or submits a claim for insurance benefits, he or she is presumed to consent to the personal information practices described in this notice. If an individual does not wish to have their personal information used for the optional purposes they need only notify Allianz Global Assistance. A person may decline to have their information collected, used or disclosed for the insurance purposes but in that instance we will likely be unable to provide insurance and related services. Personal information is maintained in the Certificate or Policy holder’s, insured’s or claimant’s file that we establish and maintain in the offices of Allianz Global Assistance. In some instances we may additionally maintain or communicate or transfer information to health care and other service providers located outside of Canada. As a result, personal information may be accessible to regulatory authorities in accordance with the law of these other jurisdictions. For information about how to obtain access to written information about our policies and procedures with respect to service providers outside of Canada, please contact the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. We will retain the personal information we collect for a specified period of time and in a storage method appropriate with legal and our internal corporate requirements. Personal information will be securely destroyed following the expiration of the appropriate retention period. Individuals have a right to request to access or correct personal information we have on file by contacting the Privacy Officer at ▇▇▇▇▇▇▇@▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇ or by writing to: Privacy Officer – Allianz Global Assistance ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇, ▇▇▇ ▇▇▇ For a complete copy of our Privacy Policy, please visit ▇▇▇.▇▇▇▇▇▇▇-▇▇▇▇▇▇▇▇▇▇.▇▇. CashBack Rewards Terms and Conditions If you have the BMO CashBack World Elite Mastercard, BMO CashBack World Mastercard, or the BMO CashBack Mastercard, you agree to the following terms and conditions which form part of the BMO Mastercard Cardholder Agreement between you and us. In Part II of this Certificate of Insurancethese terms and conditions, certain “you” means the primary cardholder. All other definitions contained in the BMO Mastercard Cardholder Agreement apply to these terms have defined meanings. Those defined terms are as follows. Defined terms are capitalized throughout this documentand conditions.