The CIBC Aerogold Visa Infinite Card also gives you premium benefits:

• Enjoy the flexibility to spend over your credit limit without having to pay an overlimit fee2
• Receive Out-of-Province Travel Medical Insurance7 for the first 15 days of a trip as the primary cardholder (age 64 or under)
• Relax with Trip Interruption Insurance7 which protects you from the costs that arise when sickness, injury or another covered event disrupts your trip
• Receive special access to the CIBC Visa Infinite members-only website
• Enjoy CIBC Visa Infinite Travel Concierge Service8, a full-service travel planning and booking agency
• Earn additional Aeroplan Miles when you use the card at participating Aeroplan partners
• Earn Bonus Aeroplan Miles at participating Advantex®1 Benefit restaurants, resorts and golf courses9

1 Welcome Bonus applies to new, approved Primary Cardholders only; it may not apply if you convert your existing CIBC Visa Cards, or if your existing CIBC Visa Card is converted, into this card. Bonus Aeroplan Miles are awarded after the first purchase is made with the card. This offer cannot be combined with any other offer and may be changed or withdrawn at any time

2 Additional purchasing power over your credit limit does not mean unlimited spending. Each transaction is assessed on various factors including your payment history and spending patterns so as to determine your additional purchasing power over your credit limit, if any. Since you must repay any amount over your credit limit by your payment due date, your borrowing capacity is not increased and remains at your credit limit.

3 The interest rate will change from time to time on at least 30 days prior notice to cardholders.

4 Aeroplan Miles are earned on card purchases less returns; cash advances, Aerogold Cheques, Balance Transfers, fees, interest and payments do not qualify. Aeroplan Miles will be awarded only if your CIBC Aerogold Visa Infinite Account is in good standing on the monthly statement date (otherwise Aeroplan Miles are cancelled). Aeroplan Miles are not actual miles, but points towards Aeroplan Rewards. Aeroplan partners, rules and regulations are subject to change without notice.

5 Aeroplan ClassicPlus FlightTM1 Rewards offer you any available seat in Economy and Executive Class on Air Canada and Air Canada Jazz 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.

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 CIBC Aerogold Visa Infinite, Aerogold, Aerogold for Business and Aero Classic 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 on Dec. 31, 2013, for Miles earned before 2007). See www.aeroplan.com for details.

7 All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package. CIBC Out-Of-Province Travel Medical Insurance is available only if the primary cardholder is age 64 or under and then to his/her spouse, who must be age 64 or under, and their dependent children for the first 15 days of the trip. For coverage under Trip Interruption Insurance, common carrier fares must be charged to the Card. CIBC Out-Of-Province Travel Medical Insurance and Trip Interruption Insurance are underwritten by RBC Insurance Company of Canada.

8 The CIBC Visa Infinite Travel Concierge Service is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON. 4499356/4499372, BC.-2295/2294/2297, QC.-701825/800342

9 The CIBC Advantex Benefit applies only if the Card is used for payment at participating establishments. Some restrictions may apply. The number of restaurants offering triple miles will vary from time to time. Please visit www.cibcvisainfiniteadvantex.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 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.

® Registered Trademark of CIBC.

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

®1 Advantex is a registered Trademark of Air Canada, used under license.

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

TM1 ClassicPlus Flight is a Trademark of Aeroplan Limited Partnership.

* Visa Int./lic. Users.