1 Interest rate will be set at one of 10.9%, 13.9% or 16.9% for all card purchases and cash advances, dependent on both business and personal credit bureau information. Interest rate is subject to change.

2 Awarded after the first purchase with the card. Applies to new, approved Primary Cardholders only. This offer cannot be combined with any other offer.

3 You will continue to receive one (1) Aeroplan Mile for every dollar you spend at all other locations. The 50% More Offer applies only to CIBC Aerogold VISA card purchases (less returns) at merchants classified in the VISA network as service stations/automated gas dispensers, airlines, hotels, car rental agencies, cruises, travel agencies/tour operators, tour buses/bus lines, local suburban commuter passenger transportation, ferries, local water transportation, railways, limousines/cabs, and certain other transportation services  (some merchants may sell these products/services, but are coded otherwise, in which case this added benefit would not apply). Any returns or other credits for card purchases at these merchants will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles for each dollar in returns/credit. Terms, conditions and eligible merchant categories may change without notice. Ask for details.

4 Aeroplan ClassicPlus Flight^TM2 Rewards offer you any available seat in Economy and Executive Class on Air Canada and Air Canada Jazz^TM3 flights; additional miles may be required. See Aeroplan.com for details. ClassicPlus Flight Rewards are available only where Air Canada offers electronic ticketing. See Aeroplan.com for details

5 Aeroplan rules require at least one accumulation or redemption transaction each year in an Aeroplan account or the Aeroplan Miles will expire. CIBC has ensured that this doesn’t happen to Aerogold cardholders in good standing. Please note, however, that Aeroplan Miles will expire if they are not redeemed within 7 years from when they were earned (or by Dec. 31, 2013, for Miles earned before 2007). See www.aeroplan.com for details.

6 Aeroplan miles are earned on card purchases less returns, and not on cash advances (including by Aerogold Business Cheque), fees, interest, balance transfers or payments. Taxes, landing and departure fees may apply to Aeroplan reward travel. Aeroplan miles will be awarded only if your CIBC Aerogold VISA Card for Business Account is in good standing on each monthly statement date (otherwise miles are cancelled). Aeroplan partners, rules and regulations are subject to change without notice. Aeroplan miles are not actual miles but points towards rewards, including flights.

7 The number of Bonus Aeroplan Miles awarded depends on the particular CIBC ADVANTEX BENEFIT establishment. The CIBC ADVANTEX BENEFIT cannot be combined with other promotional offers and may not be valid with certain discounts or offers. CIBC ADVANTEX BENEFIT terms, conditions and participating merchants may change without notice. The CIBC ADVANTEX BENEFIT program is owned and operated by Advantex Marketing International Inc. For full details and important information regarding the CIBC ADVANTEX BENEFIT, please visit www.aerogold-advantex.com .

8 The amount of your credit limit depends on our assessment of your financial situation.

9 Transactions must first be posted to your account before they can trigger a spend alert. It may then take up to 24 hours after a triggering transaction is posted for an alert to be sent.

10 This service is provided by Equifax Canada, a leading credit bureau in Canada.

11 Common Carrier Accident Insurance is underwritten by American Home Assurance Company; Flight Delay and Baggage Insurance is underwritten by RBC General Insurance Company in Quebec and RBC Travel Insurance Company in the rest of Canada; common carrier fares must be charged to the card before departure to activate coverage. VISA Auto Rental Collision/Loss Damage Insurance applies for rental periods up to 48 days, only; to activate coverage, the car rental agency's collision damage waiver insurance must be declined and the full cost of the rental must be charged to your card; underwritten by Royal & Sun Alliance Insurance Company of Canada. All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package (for coverage included with the Card) or on enrolment (for the optional coverage).

12 AVIS discounts are available at participating AVIS locations and are applied automatically when you use the Card to pay for the rental (Quebec residents may obtain the discount without using their Card, provided they show the Card when paying by an alternative payment option acceptable to AVIS)..

13 The market rate guarantee applies to tows of less than 50 kms and non-towing services, only; if you get a lower, written quote for the same service from another towing operator in the same market area, you’ll be reimbursed the difference between that quote and what you paid the towing company to which you were referred. The Driver Assist service is provided by Dominion Automobile Association (DAA).

® Aerogold and Aeroplan are Registered Trademarks of Aeroplan LP. CIBC Authorized Licensee of Marks.

®2 ADVANTEX is a Registered Trademark of Advantex Marketing International Inc.

®3 Executive Class is a Registered Trademark of Air Canada.

^TM "CIBC for what matters" and "CIBC CreditSmart" are trademarks of CIBC

^TM2  ClassicPlus Flight is a Trademark of Aeroplan Limited Partnership.

^TM3 Air Canada Jazz is a Trademark of Air Canada.

+ American Express Travellers Cheques is a Reg. TM of American Express Company; used under licence.

* VISA Int./lic. Users