The CIBC Aerogold Visa Card also gives you Premium benefits:

• Worldwide Visa acceptance at more than 24 million locations
• Earn Bonus Aeroplan Miles when you dine, golf or stay at any of the hundreds of participating Advantex®2 Benefit establishments throughout Canada7
• $500,000 Common Carrier Accident Insurance8

1 The card's interest rate will change from time to time on 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 a rate of 24%.

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 Offer may be changed or withdrawn at any time.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 (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.

4 This offer is only available on the CIBC Aerogold Visa Card. The 50% more offer applies only to CIBC Aerogold Visa Card purchases (less returns) at merchants which are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drugstores. Some merchants may sell these products/services, or are separate merchants who are located on the premises of these merchants, but are coded in another manner, in which case this added benefit would not apply. Any returns or other credits for card purchases at grocery, gas or drug stores will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles for each dollar in returns/credits. This bonus Miles offer is only available on the first $80,000 in net annual Card purchases per Aerogold Account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at these merchants will earn Aeroplan Miles at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.

5 Applies to any available seat in Economy Class/Executive First® additional miles may be required. See Aeroplan.com for details. ClassicPlus Flight rewards are eligible on e-ticket destinations only. See Aeroplan.com for details.

6 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.

7 The CIBC Advantex Benefit applies only if the card is used for payment at participating establishments. Some restrictions may apply. Please visit www.aerogold-advantex.com for full terms and conditions. The CIBC Advantex Benefit cannot be combined with other promotional offers and may not be valid with certain discounts and 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.

8 All insurance is subject to limitations and exclusions outlined in the Insurance Certificates distributed with the Card Package. Visa Auto Rental Collision/Loss Damage Insurance applies for rental periods not exceeding 48 days; the auto 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. $500,000 Common Carrier Accident Insurance is underwritten by American Home Assurance Company. Common carrier fares must be charged to the card to activate coverage; Flight Delay and Baggage Insurance is underwritten by RBC Insurance Company in Quebec, and RBC Insurance Company of Canada in the rest of Canada.

® Registered Trademark of CIBC.

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

®1 Executive Class/Executive First is a registered Trademark of Air Canada, used under license.

®2 Advantex is a registered Trademark of Advantex Marketing International Inc.

™ "CIBC for what matters" is a Trademark 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.