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/FIRST ADD - TO444 - BMO Financial Group/ FinanzNachrichten Personal and Commercial Banking (P&C) represents the sum of our two retail and business banking operating segments, Personal and Commercial Banking Canada (P&C Canada) and Personal and Commercial Banking U.S. (P&C U.S.). These operating segments are reviewed separately in the sections that follow. BMO Financial Group Reports 11% Earnings Growth And Record Net Income For 2006. Fourth Quarter Earnings Increase 4.8% PR Newswire via Yahoo! Finance Fiscal 2006 Year-over-Year Operating Highlights: /SECOND AND FINAL ADD - TO444 - BMO Financial Group/ FinanzNachrichten BANK OF MONTREAL ( Nachrichten ) CONSOLIDATED STATEMENT OF CASH FLOWS (Unaudited) (Canadian For the three For the twelve $ in millions) months ended months ended ------------------------------------------------------------------------- Oct.31, Oct.31, Oct.31, Oct.31, 2006 2005 2006 2005 ------------------------------------------------------------------------- Restated Restated (See (See Note 2) 'It's Always Christmas Time' for Credit Card Companies But Consumers Can Get Trapped by Abusive Fees and Practices U.S. Newswire via Yahoo! News Just as the holiday season gets ready to kick into high gear, Consumers Union is warning shoppers about the increasing number of credit card traps that can trip up consumers and lead to spiraling debt. To help get out the message and mobilize support for reform, the group is releasing "It's Always Christmas Time (For VISA)," an animated satire that takes aim at abusive credit card fees and Your Credit Cards Need £1 Billion! Fool.co.uk via Yahoo! UK & Ireland Finance With bad debts on the rise, credit-card firms are hunting for ways to boost their profits. Here are ten tricks to watch out for. Comment: Your Credit Cards Need £1 Billion! The Motley Fool According to the "Precious Plastic 2007" report released yesterday by accountants PricewaterhouseCoopers (PwC), the average revenue per credit card has halved in the past five years. So, watch out, because credit-card issuers have plans to put cardholders under pressure! The Winners: Best Entrepreneurs Under 25 BusinessWeek Meet the entrepreneurs behind this year's five winning U.S. businesses, as selected by BusinessWeek.com readers Rewarding for shoppers New York Daily News Macy gives 15% off purchases the day you sign up for its card. The Saks World Elite MasterCard comes with perks like free airline tickets and cocktail receptions on luxury cruise lines. Starbucks hands over 25 bucks worth of coffee and other goodies after your first swipe its Starbucks Card Duetto Visa.
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