The value of your CIBC Aero Classic Visa Card goes far beyond everyday convenience.

You will also receive these great credit card advantages:

• $100,000 Common Carrier Accident Insurance6
• Unique CIBC Creditsmart® features
• Free personalized CIBC Convenience Cheques7
• Cash advances of up to $1,000 a day8
• Emergency card replacement

1 The current annual interest rate is 19.50% and will change to 19.99% for purchases and 21.50% for cash advances, balance transfers and Convenience Cheques effective for and from the period covered by the February 2011 statement. (The February 2011 statement covers the period that ends in that month.)

2 Welcome Bonus cannot be combined with any other offer and applies to new, approved primary cardholders only; it may not apply if you convert your existing CIBC Visa Card, or if your existing CIBC Visa Card is converted, into this card. Welcome Bonus will be awarded after you complete your first card purchase. Offer may be changed or withdrawn at any time.

3 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or regular CIBC Convenience Cheques. Aeroplan Miles may be cancelled if your CIBC Aero Classic Visa Card is not in good standing on the monthly statement date. Aeroplan Miles are not actual miles but points that can be exchanged for flight rewards, as well as over 400 other products or services rewards, such as hotel stays, electronics, sports equipment and spa packages. 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.

4 The CIBC Bonus Rewards Benefit applies only if the Card is used for payment at participating establishments. Some restrictions may apply. Please visit www.cibcbonusrewards.com for full terms and conditions. CIBC Bonus Rewards cannot be combined with other promotional offers and may not be valid with certain discounts or offers. CIBC Bonus Rewards terms, conditions and participating merchants may change without notice. The CIBC Bonus Rewards program is owned and operated by Advantex Marketing International Inc.

5 Aeroplan rules require at least one accumulation or redemption transaction every 12 months in an Aeroplan account or the Aeroplan Miles will expire. CIBC has ensured that this doesn't happen to the one Aeroplan account which is connected to a CIBC Aerogold Visa, Aerogold Visa Infinite, Aerogold Visa Card for Small Business or Aero Classic Visa Account and which receives all Aeroplan Miles earned by all Cardholders on that Visa/Visa Infinite Account, provided the Account is in good standing. However: Aeroplan Miles will expire unless redeemed within 7 years from when they were earned (or on Dec. 31, 2013, for Miles earned before 2007). See www.aeroplan.com for details.

6 Common carrier fares must be charged to the card before departure to activate coverage. $100,000 Common Carrier Accident Insurance is available only to the Primary Cardholder and his/her spouse and dependent children; coverage is up to $100,000. All insurances are underwritten by Royal & Sun Alliance Insurance Company of Canada and are subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package.

7 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC Credit 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 do not earn Aeroplan Miles.

8 Interest accrues from the date advances are taken. Advances are subject to available credit and daily limits.

® Aerogold and Aeroplan are registered trademarks of Aeroplan Canada Inc.; CIBC authorized licensee of marks

™ Trademark of CIBC.

"CIBC for what matters" is a TM of CIBC

* Visa Int./lic. Users