Exchange rates from trip (when rate was about CAD 121.5 to US$100)

Cash exchange at local airport: penalty -about 8.6%

Travelers' check at local AAA: -about 7.7% (same exchange rate as above, except there was no fee for AAA members)

Business in Canada -about 15% (posted at hotels, stores and restaurants)

A lottery store in Toronto:-about 2.7%

AAA visa card: - about 1%

ATM at Montreal: - about 1.7% ( about 1% conversion fee and $2.00 for ATM fee, and most machines have maximum withdrawal of CAD200)

Other credit cards: -about 2.5 to 3%