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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 Precarious finances? Get a safety net Guardian Unlimited If you're in debt, you need to cover yourself against a big rise in base rates. Jill Insley explains how
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