ASHISH DEV

CIBC Costco®† Mastercard ® Account number

5160 XXXX XXXX 2365
Statement Date
February 17, 2024
Your account at a glance February statement period
January 18 to February 17, 2024
Previous balance $1,365.31
Payments $813.32 Contact us
Customer Service 1 866 346-2999
Other credits 12.99 Lost/Stolen 1 866 346-2999
Total credits - $826.31 TTY 1 877 331-3338
Online www.cibc.com
Purchases 460.86
Cash advances 0.00 Summary Credit
Interest 3.91 Limit $13,500.00
Fees 0.00 Available $12,496.23

Total charges + $464.77 Interest rates Annual

Total balance = $1,003.77
*0201690000*

Regular purchases 20.75%

Cash advances 22.49%
Your payment due this month
Amount Due1 $632.89 Rewards Summary
Minimum Payment 2 $195.02 As at last statement + 4.01
Please pay this amount by Mar 11, 2024 This statement
Earned on net card purchases + 4.47
*0201690000*

Bonus Rewards + 1.60

Total Rewards = 10.08

Tear Off here Please turn over - Transactions begin on page 2 Page 1 of 4
CIBC Costco Payment options Account number 5160 XXXX XXXX 2365
• Online Banking: www.cibc.com
Mastercard • Telephone Banking: 1 800 465-CIBC (2422) Amount Due $632.89
• CIBC bank machines and most financial
institutions Minimum Payment due by
• Mail: Return completed slip with your cheque Mar 11, 2024 $195.02
or money order payable to CIBC.
For general inquiries call Total payment enclosed $_____________
1 866 346-2999

Do not staple or attach correspondence.

078145
ASHISH DEV
188-078145

16-1295 SOBALL ST
COQUITLAM BC V3E 0G9 CIBC
PO BOX 4595 STN A
TORONTO ON M5W 4X9

00005160758904672365000000006328900000000010002
 Transactions from January 18 to February 17, 2024
Your payments
Trans Post
date date Description Amount($)
Feb 06 Feb 07 PAYMENT THANK YOU/PAIEMENT MERCI 813.32
Total payments $813.32

Your interest
Trans Post
date date Description Annual interest rate Amount($)
Feb 17 Feb 17 INSTALLMENT PLAN 6.99% 3.91
Total interest this period $3.91

Your installment summary

Start Date Original Installment Amount Term and Annual Interest Rate Monthly Payment due1 Current Balance2
Apr 22 2023 $2,138.39 12 MONTHS INSTALLMENT AT 6.99% $185.02 $555.90
Total amount $2,138.39 $185.02 $555.90
1 Includes interest charged in the statement period on the Installment Plan
2 Includes the Monthly Payment due for each Installment Plan

Your new charges and credits

Ý Identifies transactions that have earned bonus Rewards, see your Benefit Guide for details. Any returns/credits are deducted at the
same rate.
Trans Post
date date Description Spend Categories Amount($)
Card number 5160 XXXX XXXX 2365
Jan 24 Jan 25 COSTCO WHOLESALE W255 PORT COQUITLABC Retail and Grocery 38.95
Jan 27 Jan 29 LONDON DRUGS 15 COQUITLAM BC Health and Education 44.20
Jan 27 Jan 29 LONDON DRUGS 15 COQUITLAM BC Health and Education 26.83
Jan 27 Jan 29 LONDON DRUGS 15 COQUITLAM BC Health and Education 1.69
Jan 27 Jan 29 NAYAX CANADA INC MASTE FREDERICTON NB Retail and Grocery 3.00
Jan 28 Jan 30 SAVE ON FOODS #957 PORT COQUITLABC Retail and Grocery 3.20
Jan 29 Feb 01 SAFEWAY #4913 BURNABY BC Retail and Grocery 4.04
Jan 31 Feb 01 SHOPPERS DRUG MART #21 COQUITLAM BC Health and Education 3.35
Feb 01 Feb 02 Ý PETRO CANADA02557 PORT COQUITLABC Transportation 5.00
Feb 01 Feb 02 SERVICE CANADA COQUITL COQUITLAM BC Professional and Financial Services 57.00
Feb 02 Feb 05 SAVE ON FOODS COQUITLAM BC Retail and Grocery 4.19
Feb 02 Feb 05 Ý BOURBON ST GRILL COQUITLAM BC Restaurants 23.52
Feb 05 Feb 07 FRUITICANA #4 PORT COQUITLABC Retail and Grocery 31.91

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Information about your CIBC Costco Mastercard account

If you find an error or irregularity (including possible unauthorized or continue to accrue for the extended period. When we receive your 1
Amount Due is the amount you must pay if you want to avoid
fraudulent Transactions) in this statement you must tell us within 30 Amount Due, your payment due date will change back to your regular interest on your regular purchases shown on this statement.
days of this Statement Date. If you do not, we may regard this statement payment due date. 2
Minimum Payment is the minimum amount you must pay this
as final (except for credits posted in error). month and it includes your monthly installment payments due (if
Your statement (including the Balance and Minimum Payment) only applicable).
How we charge interest: If interest is charged on a Purchase, it is reflects Transactions that were posted as of the Statement Date. If you
charged retroactively from the Transaction date. You have a minimum made a payment but it has not yet been posted, it will appear on your For more information, please refer to the CIBC Cardholder Agreement.
21 day interest-free grace period for new Purchases. You can avoid next monthly statement and any interest charges will be adjusted based
interest on those new Purchases by paying your new balance in full by on the transaction date and payment amount. The payment due date is
the payment due date. determined under Eastern Standard Time (EST) meaning payments are ®†
Registered trademark of Price Costco International, Inc. used under license.
Interest is charged on Cash Advances from the date they are taken. considered received by us on the payment due date if made by 11:59pm Mastercard is a registered trademark and the circles design is a trademark of
Interest is charged on Convenience Cheques and Balance Transfers from EST. Payments made by mail or through another financial institution Mastercard International Incorporated.
TM* Trademark of CIBC.
the date they are posted to your credit card account. We stop charging can take several days to be received by us. Please make your payments
interest on the day we receive a payment which covers the amount of accordingly. Check CIBC Online Banking for the status of your payments
the Purchase, Cash Advance, Balance Transfer or Convenience Cheque, and your most up to date Balance.
as the case may be, as described in the Application of Payments section
of your CIBC Cardholder Agreement. **Foreign currency Transactions, except Convenience Cheques, are
converted to Canadian dollars on or after the Transaction date and
If you choose to convert an eligible Purchase into an Installment Plan, before the Transaction posting date. You are charged the same
interest will be charged on that Installment Plan at the interest rate you conversion rate CIBC must pay, plus a fee of 2.5% of the converted
agreed to at the time of conversion and in the manner set out in the amount, on both the debits and credits. The fee is charged on the
Installment Plan Terms and Conditions. Transaction posting date. A foreign currency Convenience Cheque or
payment is converted at CIBC’s branch selling rate for Canadian dollars
Payment period extensions: If you didn't pay the Amount Due on in effect at the time it is processed by CIBC.
your last monthly statement, we have extended your payment due date
this month to give you extra time to make your payment. Interest will
 Prepared for: ASHISH DEV January 18 to February 17, 2024 Account number: 5160 XXXX XXXX 2365

Your new charges and credits (continued)

Trans Post
date date Description Spend Categories Amount($)
Card number 5160 XXXX XXXX 2365
Feb 05 Feb 08 SAFEWAY #4936 PORT COQUITLABC Retail and Grocery 9.38
Feb 06 Feb 06 NETFLIX.COM 866-716-0414 ON Personal and Household Expenses 11.19
Feb 06 Feb 07 Ý TIM HORTONS #1450 PT-COQUITLAM BC Restaurants 3.30
Feb 07 Feb 09 BC LIQUOR #089 PORT COQUITLABC Retail and Grocery 18.04
Feb 08 Feb 12 FRUITICANA #4 PORT COQUITLABC Retail and Grocery 9.48
Feb 08 Feb 12 SAFEWAY #4936 PORT COQUITLABC Retail and Grocery 13.14
Feb 09 Feb 12 COSTCO WHOLESALE W255 PORT COQUITLABC Retail and Grocery -12.99
Feb 09 Feb 12 STAPLESPRINT.CA/5033D8 RICHMOND HILLON Retail and Grocery 13.98
Feb 10 Feb 12 Ý MANJAL SOUTH INDIAN KI BURNABY BC Restaurants 41.97
Feb 10 Feb 12 Ý TIM HORTONS #4813 COQUITLAM BC Restaurants 8.40
Feb 10 Feb 13 COQUITLAM OPTOMETRY CE COQUITLAM BC Health and Education 19.00
Feb 12 Feb 12 aliexpress Vancouver BC Retail and Grocery 8.83
*0202700000*

Feb 12 Feb 13 AMZN Mktp CA*RI5963P30 WWW.AMAZON.CAON Personal and Household Expenses 14.55
Feb 12 Feb 13 aliexpress Vancouver BC Retail and Grocery 2.73
Feb 14 Feb 15 SP ENFAMIL CANADA OTTAWA ON Retail and Grocery 39.99
Total for 5160 XXXX XXXX 2365 $447.87
*0202700000*
-188-078145

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CIBC CreditSmartTM* Spend Report
This month Year-to-date
Spend Categories Transactions Amount($) Budget ($) Difference ($) Transactions Amount ($)
Personal and Household Expenses 2 25.74 - - 4 58.78

Professional and Financial Services 1 57.00 - - 1 57.00

Retail and Grocery 15 187.87 - - 31 619.56

Transportation 1 5.00 - - 6 97.41

Restaurants 4 77.19 - - 12 148.35

Health and Education 5 95.07 - - 5 95.07

Total 28 447.87 59 $1,076.17

Transactions are assigned a spend category based on where the goods or services are purchased, not on what was purchased. For example,
items purchased at a convenience store in a gas station will appear under Transportation, not Retail and Grocery.

A negative difference (–) means you spent more than you budgeted.
Amount($) Budget ($) Difference ($)
Total Monthly Budget 447.87 - -

Reminder: If you only make the minimum payment every month, it will take approximately 3 year(s) and 9 month(s) to pay the
total balance shown on this statement. This estimate assumes each statement period is 30 days and that you pay your minimum
payment on time every month.

Information on how to calculate the key balances shown on this statement

The Total Balance is calculated as the total amount of your Previous balance, all Purchases, Cash advances, Interest and Fees
shown on your statement minus any payments or other credits which have been posted to your Account before the Statement
Date. This includes the total Current Balances of any Installment Plans as shown on your installment summary.
The Amount Due is calculated as the Total Balance on your account as of the Statement Date minus the total Current
Balances of any Installment Plans you have on your account plus the total of your Installment Plans Monthly Payments due as
shown on your installment summary.
For more details on your statements refer to Understanding Your Statement on www.cibc.com.

Your message centre

Your active Installment Plan monthly payment is included in your Minimum Payment. If you do not pay the Minimum Payment
in full in a particular month, the unpaid principal portion of your Installment Plan payment will be charged the annual interest
rate for regular purchases applicable to your Account starting the first day of the next statement period after the missed
Minimum Payment. Interest is added to your Account at the end of each statement period. We do not charge interest on
interest. If your Installment Plan is cancelled, for any reason, the unpaid principal amount of the cancelled Installment plan will
be subject to the annual interest rate for purchases applicable to your Account as described in the Installment Plans Terms and
Conditions. You can find your current Purchase interest rate in the “Interest Rates” section of this statement.

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