BMO Preferred Rate Mastercard Dec.

5, 2021
Statement Date
Card Number 5191 2302 1251 2900 Previous Balance, Nov. 5, 2021 $1,705.36
Customer Name MR MARK KERN Purchases and other charges +1,507.46
Cash Advances1 +229.80
Total Interest Charges +29.04
Fees +15.00
Payments and Credits -10.00
New Balance, Dec. 5, 2021 $3,476.66
Minimum Payment Due $54.00
Payment Due Date Dec. 30, 2021
Your Credit Limit $3,500.00
Your Available Credit $23.34
Amount Over Credit Limit $0.00
PERIOD COVERED BY THIS STATEMENT
Nov. 6, 2021 - Dec. 5, 2021
TRANS POSTING
DATE DATE DESCRIPTION REFERENCE NO. AMOUNT ($)

Card Number: 5191 2302 1251 2900

Nov. 3 Nov. 8 SOBEYS #915 NIAGARA FALLSON 920467891902 47.46
Nov. 6 Nov. 8 BELL CANADA (OB) MONTREAL QC 800200814159 84.75
Nov. 5 Nov. 8 SOBEYS #915 NIAGARA FALLSON 920536888307 38.78
Nov. 8 Nov. 9 MCDONALD'S #2631 QPS NIAGARA FALLSON 800103645591 4.99
Nov. 9 Nov. 10 MICHAELS #3965 NIAGARA FALLSON 463669747563 18.62
Nov. 9 Nov. 10 HASTY MARKET NIAGARA FALLSON 800192150999 25.00
Nov. 9 Nov. 10 COSTCO GAS W1414 NIAGARA FALLSON 800153356247 42.38

Continued on page 3
INTEREST ANNUAL INTEREST DAILY INTEREST
Stay safe this holiday season when shopping online. Keep an
CHARGES ($) RATE (%) RATE (%)
eye out for suspicious online deals, check your bank
statements regularly and only shop on websites that start with Purchases 27.65 12.99000 0.03558
https://.For more security tips, visit bmo.com/security. Cash Advances2 1.39 12.99000 0.03558

Page 1 of 4

Important Payment Information: If paying by mail, please write your card number on the front of your cheque or money order. Mail your payment to: P.O. Box 6044,
Station Centre-Ville Montreal, Quebec H3C 3X2.

Card Number 5191 2302 1251 2900

New Balance $3,476.66
Minimum Payment Due $54.00
Payment Due Date Dec. 30, 2021
P.O. BOX 11064
Amount you're paying $
STATION CENTRE-VILLE
MONTREAL QC H3C 5A2

000A BMO BANK OF MONTREAL

MR MARK KERN P.O. BOX 6044, STN CENTRE-VILLE
4325 BUTTREY ST APT 5 MONTREAL QC H3C 3X2
NIAGARA FALLS ON L2E 2X1

5191230212512900 0000000005400 0000000347666

Important information about your BMO Mastercard account

Interest charges and calculation: The interest rates we charge are shown How we apply payments to your account: When we receive a payment,
on your account statement and card carrier. For information on how we we apply it to your account as outlined in your agreement. Your payments
calculate interest charges, refer to your BMO Cardholder Agreement (the are processed the day we receive them. You must make sure that we
"agreement") available at bmo.com/cha receive your payment on or before the payment due date shown on your
account statement.
Interest-free grace period: If you pay your balance in full by the payment
due date, you will benefit from an interest-free grace period of at least 21 Foreign currency transactions: Canadian dollar card: The exchange
days. If you do not pay your new balance in full by the payment due date, rate for converting foreign currency transactions to Canadian dollars is the
this grace period will be increased to at least 25 days on your next rate charged to us by Mastercard International ("MCI") plus 2.50%. The
monthly statement. On paying your balance in full by the next payment exchange rate for converting refunds of foreign currency transactions to
due date, this grace period will return to at least 21 days on your next Canadian dollars is the rate charged to us by MCI minus 2.50%. We make
monthly statement. No interest is charged on purchases and fees the conversion on the date the transaction or refund is posted to your
appearing on your statement for the 1st time if you pay your new balance account. U.S. dollar card: The exchange rate for converting non-U.S.
in full by the payment due date. There is no interest free grace period on dollar transactions to U.S. dollars is the rate charged to us by Mastercard
balance transfers, or cash advances, including cash-like transactions and International ("MCI") plus 2.50%. The exchange rate for converting refunds
gaming transactions. of non-U.S. dollar transactions to U.S. dollars is the rate charged to us by
MCI minus 2.50%. We make the conversion on the date the transaction or
Your minimum payment if you reside outside Quebec: refund is posted to your account.
Your minimum payment will be $10.00 plus any interest plus any fees plus
the greater of the following: (i) any amount past due on your account Disputes: Report any items which do not agree with your records within
statement; or (ii) any amount by which your new balance exceeds your 30 days of your statement date. For your convenience, you can also check
credit limit. If your new balance is $10.00 or less, you must pay the full your recent transactions at bmo.com/onlinebanking or via BMO Mobile
amount. Banking.

Your minimum payment if you reside within Quebec: If you are moving to or out of Quebec: There will be changes to your
If your credit card account was opened on or after August 1, 2019, the terms and conditions. Please review the minimum payment details on this
following minimum payment terms apply: Your minimum payment will be page and refer to your agreement available at bmo.com/cha
the greater of the following: (i) 5.00% of your outstanding balance plus any
amount past due on your account statement; or (ii) any amount by which Lost/stolen cards
your new balance exceeds your credit limit; or (iii) $10.00. If your new Immediately report your card as missing.
balance is $10.00 or less, you must pay the full amount. Online via Online Banking
Toll Free Calls Canada & US: 1-800-361-3361
If your credit card account was opened before August 1, 2019, the Outside Canada & US (Call Collect): 1-514-877-0330
following minimum payment terms apply: Your minimum payment will be For information regarding your responsibility for lost or stolen cards,
the greater of the following: (i) 3.00% of your outstanding balance plus any including liability, refer to your agreement at bmo.com/cha
amount past due on your account statement; or (ii) any amount by which
your new balance exceeds your credit limit; or (iii) $10.00. If your new Enquiries
balance is $10.00 or less, you must pay the full amount. These terms will bmo.com/onlinebanking
remain in effect until your July 2022 statement. Starting on your August Toll Free Calls Canada & US: 1-800-263-2263
2022 statement, the percentage will increase by 0.50% annually until it Outside Canada & US (Call Collect): 1-514-877-0330
reaches 5.00% on your August 2025 statement.

1 Includes: credit card cheques, cash-like transactions, promotional and non-promotional balance transfers.
2 Excludes: promotional balance transfers

®/™ Trade-marks/ Registered trade-marks of Bank of Montreal.

™*/®* Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Used under license.

How to make payments to your credit card account

You have many convenient ways to pay If you are paying by mail
U At www.bmo.com/onlinebanking or via BMO Mobile
Banking app from a BMO Cdn $ deposit account U Do not send cash through the mail
V Use the "Transfers" function (instead of "Payments")
for immediate update of your "Available Credit " U Return this payment slip with your cheque/money order
V Transfer up to the available funds in your bank account but do not staple them together
without daily limit restriction
U Write your card number on your Cdn $ cheque/money order
U Pre-authorized debit/auto pay from any Cdn $ deposit
accounts in Canada U Currency conversion will cause delay and may result in
interest charges
U Online or mobile banking at another Cdn bank
U We do not accept written requests
U At an ATM or by mail
U Please call us if your request cannot be done via BMO
Online/Mobile Banking
BMO Preferred Rate Mastercard
Statement Date: Dec. 5, 2021
Card Number 5191 2302 1251 2900
Customer Name MR MARK KERN

PERIOD COVERED BY THIS STATEMENT

Nov. 6, 2021 - Dec. 5, 2021
TRANS POSTING
DATE DATE DESCRIPTION REFERENCE NO. AMOUNT ($)

Nov. 9 Nov. 10 THE HUNNY POT CANNABIS NIAGARA FALLSON 002080733530 64.70
Nov. 9 Nov. 12 SOBEYS #915 NIAGARA FALLSON 920451238302 50.90
Nov. 13 Nov. 15 YOUNG'S MINI MART NIAGARA FALLSON 800203377504 35.00
Nov. 13 Nov. 15 USD50.00@1.292000000 GGPoker help@ggpoker IMN 113017551691 64.60
Nov. 15 Nov. 15 CASH ADVANCE FEE 113017551691 5.00
Nov. 13 Nov. 15 GIANT TIGER #137 NIAGARA FALLSON 920023699400 21.47
Nov. 14 Nov. 15 BUSY BEE FOOD MART NIAGARA FALLSON 800186457561 15.25
Nov. 14 Nov. 15 SHOPPER'S DRUG MART #1 NIAGARA FALLSON 800142490524 8.80
Nov. 14 Nov. 15 ARBY'S NIAGARA FALLSON 200846538886 46.75
Nov. 13 Nov. 16 SOBEYS #915 NIAGARA FALLSON 920404830201 17.98
Nov. 15 Nov. 16 PATEL GROCERS NIAGARA FALLSON 004001279792 53.98
Nov. 16 Nov. 17 DOLLARAMA # 629 NIAGARA FALLSON 800141956398 6.31
Nov. 16 Nov. 17 HASTY MARKET NIAGARA FALLSON 800193146096 35.00
Nov. 16 Nov. 18 CDN TIRE STORE #00071 NIAGARA FALLSON 800115486363 96.04
Nov. 16 Nov. 18 GIANT TIGER #137 NIAGARA FALLSON 920016093400 23.79
Nov. 15 Nov. 18 SOBEYS #915 NIAGARA FALLSON 920414586609 50.32
Nov. 17 Nov. 18 The Hunny Pot 647-5304202 ON 900010460369 73.99
Nov. 17 Nov. 19 AVONDALE STORE # 120 NIAGARA FALLSON 800167208052 15.65
Nov. 19 Nov. 22 SHOPPER'S DRUG MART #1 NIAGARA FALLSON 800150207896 13.63
Nov. 19 Nov. 22 OLG 1-800-387-0098 NORTH YORK ON 800155308236 100.00
Nov. 22 Nov. 22 CASH ADVANCE FEE 800155308236 5.00
Nov. 20 Nov. 22 TIM HORTONS #1922 NIAGARA FALLSON 200695296273 9.41
Nov. 20 Nov. 22 PETROCAN NIAGARA FALLSON 800118196692 15.04
Nov. 21 Nov. 22 TRSF FROM/DE ACCT/CPT 2381-XXXX-346 S716551 OBPP 10.00 CR
Nov. 22 Nov. 23 USD54.90@1.297996357 ALOHA SHIRT SHOP 8667467256 CA 206367700019 71.26
Nov. 22 Nov. 24 AVONDALE FOOD STORES # NIAGARA FALLSON 800164496960 50.65
Nov. 23 Nov. 24 HASTY MARKET NIAGARA FALLSON 800194066122 37.99
Nov. 24 Nov. 25 COSTCO GAS W1414 NIAGARA FALLSON 800155906117 44.75
Nov. 24 Nov. 25 STARBUCKS COFFEE #2029 NIAGARA FALLSON 200015703160 10.40
Nov. 25 Nov. 26 USD50.00@1.304000000 GGPoker help@ggpoker IMN 113506330462 65.20
Nov. 26 Nov. 26 CASH ADVANCE FEE 113506330462 5.00
Nov. 26 Nov. 29 SHOPPER'S DRUG MART #1 NIAGARA FALLSON 800152289745 7.99
Nov. 26 Nov. 29 KFC/TACO BELL LUNDY'S NIAGARA FALLSON 461648144579 13.21
Nov. 27 Nov. 29 SPDR 289-2968273 ON 900010166666 46.83
Nov. 28 Nov. 29 SHOPPER'S DRUG MART #1 NIAGARA FALLSON 800143522954 14.60
Nov. 29 Nov. 30 PET VALU #2019 NIAGARA FALLSON 800179779634 66.33
Nov. 30 Dec. 1 BUSY BEE FOOD MART NIAGARA FALLSON 800200727650 15.25
Nov. 30 Dec. 1 CABELA'S CANADA WINNIPEG MB 800143158641 34.00
Nov. 30 Dec. 2 SHOPPER'S DRUG MART #1 NIAGARA FALLSON 800103277935 7.67
Dec. 1 Dec. 2 SHOPPER'S DRUG MART #1 NIAGARA FALLSON 800145836714 31.96
Nov. 30 Dec. 3 SOBEYS #915 NIAGARA FALLSON 920487394504 63.99
Nov. 30 Dec. 3 A & W #4599 THOROLD ST NIAGARA FALLSON 920290657105 37.44
Dec. 3 Dec. 3 INTEREST PURCHASES 27.65
Dec. 3 Dec. 3 INTEREST ADVANCES 1.39
Dec. 3 Dec. 3 CCBP ENHANCED 34.40
Dec. 3 Dec. 3 CCBP ENHANCED TAX 2.75

Estimated Time to Repay: If you only make the minimum monthly payment, the estimated time to pay off your balance including interest is 30
years and 02 months. We assume that the current annual interest rate of purchases will apply throughout the repayment period. Please see
your BMO Credit Card Cardholder Agreement for more information.

Page 3 of 4
Your BMO Credit Card Balance Protection Insurance

In the event you are faced with a significant life challenge, rest assured your optional BMO credit card balance
protection insurance1 can help make payments on your BMO credit card for covered losses such as job loss,
total disability and/or life.

Insurance coverage and premium rate vary by product. Please refer to your Certificate of Insurance for complete
details.

To submit a claim, please visit bmo.assurant.com or, if you have any questions, call Assurant toll-free at
1-800-268-5962.
1This insurance is underwritten by American Bankers Insurance Company of Florida and American Bankers Life Assurance Company of Florida, who
carry on business in Canada as Assurant®, and can be reached at 1-800-268-5962 or www.assurant.ca.