1 The interest rate will change from time to time on at least 30 days prior notice to cardholders. If your credit rating and financial situation do not meet certain criteria set by CIBC, CIBC may still issue the card but at 24%.

2 Applies to new, approved Primary Cardholders only. Bonus Aeroplan Miles are awarded after the first purchase is made with the card. 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 grocery stores, service stations or drugstores (some merchants may sell these products/services, but are coded otherwise, in which case this added benefit would not apply). Offer applies only to first $80,000 in net annual card purchases per Aerogold Account The $80,000 limit will reset to zero after the day your December statement is printed. 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^TM1 Rewards offer you any available seat in Economy and Executive Class on Air Canada and Air Canada Jazz^TM2 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 CIBC Convenience Cheque or balance transfer), fees, interest or payments. Aeroplan Miles will be awarded only if your CIBC Aerogold VISA Card Account is in good standing on each monthly statement date (otherwise, miles are cancelled). Aeroplan Miles are not actual miles but points towards Aeroplan rewards, including flights. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners, rules and regulations are subject to change without notice.

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 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.

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

10 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).

11 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).

12 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC Card Services Representative. Convenience Cheques are treated as cash advances. Convenience Cheques bear interest from the date they are posted to your credit card account. Cheques cannot be used for payments on or balance transfers from other CIBC credit cards, Personal Lines of Credit , Loans and Mortgages. Convenience Cheques cannot be certified. Cheques are treated as cash advances and do not earn Aeroplan Miles.

13 Cash advances bear interest from the date they are taken. Advances are subject to available credit and daily limits.

14 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.

®¹Star Alliance is a Registered Canadian Trade-mark of Air Canada.

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

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

^TM1  ClassicPlus Flight is a Trademark of Aeroplan Limited Partnership.

^TM2 Air Canada Jazz is a Trademark of Air Canada

* VISA Int./lic. Users