BMO CashBack Mastercard Jan.

19, 2021
Statement Date
Card Number 5191 2302 0805 3638 Previous Balance, Dec. 19, 2020 $77.53 CR
Customer Name HANAN OTHMAN Purchases and other charges +12,600.82
Cash Advances1 0.00
Total Interest Charges 0.00
YOUR REWARDS Fees 0.00
Rewards Earned $55.97 Payments and Credits -12,682.29
Bonus rewards earned (see details below) $7.46 New Balance, Jan. 19, 2021 $159.00 CR
Rewards adjusted $0.00 Minimum Payment Due $0.00
Rewards Redeemed - $228.39 Payment Due Date Feb. 15, 2021
Total rewards earned $63.43 Your Credit Limit $2,000.00
Rewards balance year to date $63.43 Your Available Credit $2,000.00
Redeem now at bmocashback.com Amount Over Credit Limit $0.00
PERIOD COVERED BY THIS STATEMENT
Dec. 20, 2020 - Jan. 19, 2021
TRANS POSTING
DATE DATE DESCRIPTION REFERENCE NO. AMOUNT ($)

Card Number: 5191 2302 0805 3638

Dec. 18 Dec. 21 CASHBACK ANN PAY/REMB.-REMISE EN ESPECES 04702919754 228.39 CR
Dec. 18 Dec. 21 VFIDO Mobile *881815682 888-481-3436 ON 200056001577 63.77
Dec. 19 Dec. 21 Amazon.ca*MM9RT0RM3 AMAZON.CA ON 200244240417 105.63
Dec. 19 Dec. 21 AMZN Mktp CA*TI23P6ZL3 WWW.AMAZON.CAON 200204742709 19.95
Dec. 19 Dec. 21 Amazon.ca*UT0LL4H73 AMAZON.CA ON 200428407428 62.30
Dec. 20 Dec. 21 AMZN Mktp CA*ZX4L14S03 WWW.AMAZON.CAON 200641103571 50.84
Dec. 20 Dec. 21 SQ *MARCHE PLACE JACQU Montreal QC 200697237745 7.00

Continued on page 3
INTEREST ANNUAL INTEREST DAILY INTEREST
CHARGES ($) RATE (%) RATE (%)
BMO Digital Banking lets you conveniently manage your
credit card when and where it suits you. Has your personal Purchases 0.00 19.99000 0.05476
credit card gone missing? No worries - you can lock it right Cash Advances2 0.00 22.99000 0.06298
away in online or mobile banking and simply unlock it once
it's found. Visit bmo.com/lostcard for more information on
this feature!

Page 1 of 5

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 0805 3638

New Balance $159.00 CR
Minimum Payment Due $0.00
Payment Due Date Feb. 15, 2021
P.O. BOX 11064
Amount you're paying $
STATION CENTRE-VILLE
MONTREAL QC H3C 5A2

000A BMO BANK OF MONTREAL

HANAN OTHMAN P.O. BOX 6044, STN CENTRE-VILLE
710-1150 RUE SAINT-DENIS MONTREAL QC H3C 3X2
MONTREAL QC H2X 0B3

5191230208053638 0000000000000 0000000015900

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
refund is posted to your account.
Your minimum payment if you reside outside Quebec: Your minimum
payment will be $10.00 plus any interest plus any fees plus the greater of Disputes: Report any items which do not agree with your records within
the following: (i) any amount past due on your account statement; or (ii) 30 days of your statement date. For your convenience, you can also check
any amount by which your new balance exceeds your credit limit. If your your recent transactions at bmo.com/onlinebanking or via BMO Mobile
new balance is $10.00 or less, you must pay the full amount. Banking.

Your minimum payment if you reside within Quebec: If your credit card If you are moving to or out of Quebec: There will be changes to your
account was opened on or after August 1, 2019, the following minimum terms and conditions. Please review the minimum payment details on this
payment terms apply: Your minimum payment will be the greater of the page and refer to your agreement available at bmo.com/cha
following: (i) 5.00% of your outstanding balance plus any amount past due
on your account statement; or (ii) any amount by which your new balance Lost/stolen cards
exceeds your credit limit; or (iii) $10.00. If your new balance is $10.00 or Immediately report your card as missing.
less, you must pay the full amount. Online via Online Banking
Toll Free Calls Canada & US: 1-800-361-3361
Outside Canada & US (Call Collect): 1-514-877-0330
If your credit card account was opened before August 1, 2019, the For information regarding your responsibility for lost or stolen cards,
following minimum payment terms apply: Your minimum payment will be including liability, refer to your agreement at bmo.com/cha
the greater of the following: (i) 3.00% of your outstanding balance plus any
amount past due on your account statement; or (ii) any amount by which Enquiries
your new balance exceeds your credit limit; or (iii) $10.00. If your new bmo.com/onlinebanking
balance is $10.00 or less, you must pay the full amount. Starting on your Toll Free Calls Canada & US: 1-800-263-2263
August 2020 statement, the percentage will increase by 0.50% annually Outside Canada & US (Call Collect): 1-514-877-0330
until it reaches 5.00% on your August 2024 statement.

1 Includes: credit card cheques, cash-like transactions, promotional and non-promotional balance transfers. 2 Excludes: promotional balance transfers.
D indicates grocery purchases that may qualify for 2.5% bonus cashback up to $500 in total purchases per statement.
V indicates recur bill payments that may qualify for 0.5% bonus cashback up to $500 in total purchases per statement.
All purchases earn 0.5% standard cashback, including purchase amounts that exceed the $500 spend limit in each category.
®/™ 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 CashBack Mastercard
Statement Date: Jan. 19, 2021
Card Number 5191 2302 0805 3638
Customer Name HANAN OTHMAN

PERIOD COVERED BY THIS STATEMENT

Dec. 20, 2020 - Jan. 19, 2021
TRANS POSTING
DATE DATE DESCRIPTION REFERENCE NO. AMOUNT ($)

Dec. 20 Dec. 21 DIGA LOUISE MENARD MONTREAL QC 826665720008 147.38

Dec. 20 Dec. 21 Amazon.ca*V35K80N13 AMAZON.CA ON 200748997644 67.83
Dec. 20 Dec. 21 Amazon.ca*W74M190Y3 AMAZON.CA ON 200763628710 67.83
Dec. 19 Dec. 21 UBER *EATS HELP.UBER.COMNLD 000810723493 40.09
Dec. 20 Dec. 21 AIRBNB * HM8XMBXTHS AIRBNB.COM GBR 002998116893 1,952.45
Dec. 20 Dec. 21 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S170447 MOBP 500.00 CR
Dec. 20 Dec. 21 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S213681 MOBP 1,600.00 CR
Dec. 20 Dec. 21 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S230552 MOBP 400.00 CR
Dec. 21 Dec. 22 VUBER * EATS PENDING help.uber.comNLD 004947048732 40.57
Dec. 21 Dec. 22 AMZN Mktp CA*WJ5VC66S3 WWW.AMAZON.CAON 200059065832 411.61
Dec. 21 Dec. 22 UBER *TRIP HELP.UBER.COMNLD 002235301433 23.88
Dec. 22 Dec. 22 AMZN Mktp CA*HA4RZ00B3 WWW.AMAZON.CAON 200126793571 76.27
Dec. 21 Dec. 22 STM DU COLLEGE DIN101 SAINT-LAURENTQC 200126859569 3.50
Dec. 22 Dec. 22 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S523228 MOBP 147.08 CR
Dec. 22 Dec. 23 AMZN Mktp CA*UU4414ZY3 WWW.AMAZON.CAON 200245344702 6.98
Dec. 22 Dec. 23 VNETFLIX.COM 866-716-0414 ON 200223757198 16.49
Dec. 23 Dec. 23 Amazon.ca*N75GV3733 AMAZON.CA ON 200382988427 20.70
Dec. 22 Dec. 23 AMZN Mktp CA*IQ3E66AX3 WWW.AMAZON.CAON 200361977046 40.72
Dec. 22 Dec. 23 UBER *EATS HELP.UBER.COMNLD 002292300400 40.57
Dec. 22 Dec. 24 PAYPAL *LEVALETDCOE 4029357733 QC 051529871781 60.91
Dec. 23 Dec. 24 AMZ*Amazon.ca AMAZON.CA ON 200542724241 55.92 CR
Dec. 23 Dec. 24 AMZN Mktp CA*KK5V81G33 WWW.AMAZON.CAON 200610669070 14.69
Dec. 23 Dec. 24 AMZN Mktp CA*W21MJ5D43 WWW.AMAZON.CAON 200605432450 22.04
Dec. 23 Dec. 24 UBER *EATS HELP.UBER.COMNLD 002272350796 40.57
Dec. 24 Dec. 24 SEPHORA.CA SEPHORA.CA QC 200734920804 77.27
Dec. 23 Dec. 24 STARBUCKS 04053 MONTREAL QC 200767199455 27.90
Dec. 24 Dec. 24 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S157276 MOBP 600.00 CR
Dec. 25 Dec. 25 VUBER *EATS HELP.UBER.C help.uber.comNLD 000291525857 2.00
Dec. 25 Dec. 25 SEPHORA.CA SEPHORA.CA QC 200958933340 60.25
Dec. 25 Dec. 28 UBER *EATS HELP.UBER.COMNLD 000133078180 21.92
Dec. 25 Dec. 28 USD76.99@1.318742693 SP * OVERTONE HAIRCARE 5203497412 CO 637890714362 101.53
Dec. 25 Dec. 28 UBER *EATS HELP.UBER.COMNLD 000725240917 28.21
Dec. 26 Dec. 28 AMZ*Amazon.ca WWW.AMAZON.CAON 200146226994 50.84 CR
Dec. 26 Dec. 28 AMZ*Amazon.ca WWW.AMAZON.CAON 200161515396 248.83 CR
Dec. 26 Dec. 28 Amazon.ca*WB7CC3AC3 AMAZON.CA ON 200206611689 139.75
Dec. 27 Dec. 28 AMZN Mktp CA*7Q1QQ4KV3 WWW.AMAZON.CAON 200338811107 29.99
Dec. 27 Dec. 28 COUCHE-TARD # 1278 PIEDMONT QC 800145114730 8.78
Dec. 28 Dec. 29 MONT-TREMBLANT ACTIVIT MT-TREMBLANT QC 800113284993 818.31 CR
Dec. 28 Dec. 29 MONT-TREMBLANT ACTIVIT MONT TREMBLANQC 800152847775 818.31
Dec. 28 Dec. 29 MONT-TREMBLANT ACTIVIT MONT TREMBLANQC 800152847783 384.88
Dec. 28 Dec. 29 MONT-TREMBLANT ACTIVIT MONT TREMBLANQC 800153073678 171.72
Dec. 28 Dec. 29 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S144115 MOBP 2,000.00 CR
Dec. 26 Dec. 29 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S724008 MOBP 300.00 CR
Dec. 29 Dec. 30 DALIMENTATION DOMINIC P MONT-TREMBLANQC 829697710004 51.03
Dec. 31 Dec. 31 SEPHORA.CA SEPHORA.CA QC 200421217226 76.35
Dec. 31 Jan. 1 SQ *AVANAA gosq.com QC 200550374293 72.43
Jan. 1 Jan. 4 VUBER * EATS PENDING help.uber.comNLD 004759498725 81.88
Jan. 1 Jan. 4 AMZ*GG Retail Supply I WWW.AMAZON.CAON 200797746047 29.99 CR
Jan. 3 Jan. 4 VAPPLE.COM/BILL 866-712-7753 ON 200177207782 3.21
Jan. 3 Jan. 4 VUBER * EATS PENDING help.uber.comNLD 004167738728 40.09
Jan. 3 Jan. 4 VAmazon.ca Prime Member amazon.ca/priBC 200272192855 90.83
Jan. 4 Jan. 4 AMZN Mktp CA*HB7MJ2P13 WWW.AMAZON.CAON 200380360815 34.49
Jan. 4 Jan. 4 VAPPLE.COM/BILL 866-712-7753 ON 200427496697 15.84
Jan. 4 Jan. 4 VAPPLE.COM/BILL 866-712-7753 ON 200427558991 12.64
Jan. 4 Jan. 4 VAPPLE.COM/BILL 866-712-7753 ON 200431147468 41.36
Jan. 4 Jan. 5 UBER *EATS HELP.UBER.COMNLD 001835372715 24.01
Page 3 of 5
BMO CashBack Mastercard
Statement Date: Jan. 19, 2021
Card Number 5191 2302 0805 3638
Customer Name HANAN OTHMAN

PERIOD COVERED BY THIS STATEMENT

Dec. 20, 2020 - Jan. 19, 2021
TRANS POSTING
DATE DATE DESCRIPTION REFERENCE NO. AMOUNT ($)

Jan. 4 Jan. 5 UBER *EATS HELP.UBER.COMNLD 001835463852 43.21

Jan. 4 Jan. 5 AIRBNB * HMHRAMKQFR AIRBNB.COM GBR 000163531063 1,037.47
Jan. 5 Jan. 5 VAPPLE.COM/BILL 866-712-7753 ON 200726785930 24.12
Jan. 5 Jan. 6 APPLE.COM/BILL TORONTO ON 100915643298 8.04
Jan. 5 Jan. 6 UBER *EATS HELP.UBER.COMNLD 001912081253 39.19
Jan. 7 Jan. 7 VAPPLE.COM/BILL 866-712-7753 ON 200288538709 38.36
Jan. 7 Jan. 8 EUR119.50@1.599079497 PAYPAL *LELANGAGEDE 4029357733 ON 100501013406 191.09
Jan. 7 Jan. 8 EUR117.00@1.522136752 PAYPAL *LELANGAGEDE 4029357733 O 100501060308 178.09 CR
Jan. 7 Jan. 8 EUR117.00@1.599059829 PAYPAL *LELANGAGEDE 4029357733 ON 100501060282 187.09
Jan. 7 Jan. 8 UBER *EATS HELP.UBER.COMNLD 001937200688 22.65
Jan. 8 Jan. 8 VAPPLE.COM/BILL 866-712-7753 ON 200560554712 37.91
Jan. 8 Jan. 8 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S443384 MOBP 4,500.00 CR
Jan. 9 Jan. 11 Amazon.ca*RI6UX89O3 AMAZON.CA ON 200765417391 53.51
Jan. 8 Jan. 11 UBER *TRIP HELP.UBER.COMNLD 001568554626 30.88
Jan. 8 Jan. 11 LASIK MD BROSSARD BROSSARD QC 823175940001 3,940.00
Jan. 9 Jan. 11 VAPPLE.COM/BILL 866-712-7753 ON 200829340225 20.67
Jan. 9 Jan. 11 SEPHORA.CA SEPHORA.CA QC 200812180695 24.84 CR
Jan. 9 Jan. 11 VUBER * PENDING help.uber.comNLD 003269178720 24.32
Jan. 9 Jan. 11 VUBER *TRIP HELP.UBER.C help.uber.comNLD 003382998723 3.00
Jan. 9 Jan. 11 KRISPY KREME CAFE MONTREAL QC 200981056319 6.21
Jan. 9 Jan. 11 UBER *TRIP HELP.UBER.COMNLD 000840564797 23.08
Jan. 9 Jan. 11 UBER *EATS HELP.UBER.COMNLD 000818784898 39.19
Jan. 11 Jan. 11 VAPPLE.COM/BILL 866-712-7753 ON 200316673753 20.67
Jan. 11 Jan. 12 VVIDEOTRON LTEE. 110 PP MONTREAL QC 800137335635 88.53
Jan. 11 Jan. 12 UBER *EATS HELP.UBER.COMNLD 001859041189 10.44
Jan. 12 Jan. 12 VAPPLE.COM/BILL 866-712-7753 ON 200575346413 33.31
Jan. 12 Jan. 12 VAPPLE.COM/BILL 866-712-7753 ON 200578989334 24.11
Jan. 12 Jan. 13 AMZN Mktp CA*936I31MT3 WWW.AMAZON.CAON 200703279270 154.86
Jan. 13 Jan. 14 Amazon.ca*IY8775AH3 AMAZON.CA ON 200940062215 72.45
Jan. 13 Jan. 14 USD50.39@1.311172851 FABFITFUN 8553136267 CA 637372341113 66.07
Jan. 13 Jan. 14 USD14.70@1.310884353 FABFITFUN 8553136267 CA 637373504412 19.27
Jan. 13 Jan. 14 UBER *EATS HELP.UBER.COMNLD 001971600530 30.68
Jan. 14 Jan. 14 VAPPLE.COM/BILL 866-712-7753 ON 200108742334 49.39
Jan. 16 Jan. 18 VAPPLE.COM/BILL 866-712-7753 ON 200659862406 33.31
Jan. 16 Jan. 18 VUSD50.00@1.308200000 MERSAL CHARITY FOUNDAT 4152367363 D 637574980780 65.41
Jan. 17 Jan. 18 VAPPLE.COM/BILL 866-712-7753 ON 200904403872 50.55
Jan. 17 Jan. 18 VSpotify P130DAC837 Stockholm SWE 001392794942 5.49
Jan. 16 Jan. 18 APPLE.COM/BILL TORONTO ON 102030917257 57.43
Jan. 17 Jan. 18 Amazon.ca*OO25N0R83 AMAZON.CA ON 200017863186 20.96
Jan. 18 Jan. 18 Amazon.ca*9D0EW1M13 AMAZON.CA ON 200094943959 13.80
Jan. 16 Jan. 18 UBER *EATS HELP.UBER.COMNLD 000786803087 45.68
Jan. 17 Jan. 18 UBER *EATS HELP.UBER.COMNLD 002756114453 44.22
Jan. 15 Jan. 18 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S526823 MOBP 600.00 CR
Jan. 18 Jan. 19 VFIDO Mobile *881815682 888-481-3436 ON 200182704859 63.77
Jan. 18 Jan. 19 UBER *EATS HELP.UBER.COMNLD 001850943196 39.19
Jan. 18 Jan. 19 TRSF FROM/DE ACCT/CPT 2108-XXXX-879 S203101 MOBP 400.00 CR

Bonus reward(s) this statement Amount earned

Grocery Bonus - 2.5% $4.96
Recurring Bill Bonus - 0.5% $2.50
Promotional Offers $0.00

Your account currently has a credit balance. Don't forget to use your card for your next purchase.

Page 4 of 5
BMO CashBack Mastercard
Statement Date: Jan. 19, 2021
Card Number 5191 2302 0805 3638
Customer Name HANAN OTHMAN

Estimated Time to Repay: If you only make the minimum monthly payment, the estimated time to pay off your balance including interest is 0
years and 00 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 5 of 5