The value of your CIBC Aerogold® Visa Card for Business goes far beyond earning Aeroplan Miles:

• $500,000 Common Carrier Accident Insurance9
• Visa Auto Rental Collision/Loss Damage Insurance9
• Flight Delay and Baggage Insurance for lost, stolen, damaged or delayed checked baggage9
• Avis car rental discounts of up to 20% at participating locations10
• Guaranteed hotel reservations

Alternate Product:
Terms for bizline: If you are applying, but cannot be approved, for the CIBC Aerogold Card for Small Business, you are asking CIBC to consider you for a CIBC bizline Visa Card instead. You understand that it has all of the same material financial terms as the CIBC Aerogold Visa Card for Business with the exception of:

Annual Fee: No Annual Fee

Annual Interest Rate: Variable rate, ranging from CIBC Prime + 1.5% to Prime + 11%, depending on your personal credit bureau information. Rate may vary when CIBC Prime rate changes.

For current CIBC Prime Rate, call 1-800-465-2422.

Additional Cards (maximum of 9): Free

Insurance included: $100,000 Common Carrier Accident Insurance

Loyalty/points program: None. However, Business Saving Program provides discounts and offers at participating merchants. See www.cibc.com for further details.

For more information, see the detailed disclosure statement distributed in the CIBC bizline®4 Visa Card Package or call 1-800-465-4653.

1 Interest rate will be set at one of the following rates: 10.9%, 13.9% or 16.9%, based on personal credit bureau information. Interest rate subject to change.

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 Offer may be changed or withdrawn at any time.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, regular Aerogold Cheques, fees, interest, Balance Transfers or payments. 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, they are cancelled. Aeroplan Miles are not actual miles, but points toward rewards, including travel. Aeroplan partners, rules and regulations are subject to change without notice.

4 This offer is only available on the CIBC Aerogold Visa Card for Business. 50% more Aeroplan Miles are awarded only on net card purchases at merchants which are classified in the Visa network as service stations/automated gas dispensers, airlines, hotels, car rental agencies, cruise lines, 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 classified in another manner, 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/credits. Terms, conditions and eligible merchant categories may change without notice.

5 Applies to any available seat in Economy and Executive Class® or Executive First on Air Canada and Air Canada Jazz™ flights. Additional Miles may be required. Aeroplan ClassicPlus Flight rewards are eligible and apply to e-ticket destinations only. See Aeroplan.com for details.

6 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 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 December 31, 2013, for Miles earned before 2007). See Aeroplan.com for details.

7 CIBC Advantex Benefit applies only if the Card is used for payment at participating establishments. Some restrictions may apply. Please visit 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 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.

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

9 Common carrier fares and other trip costs must be charged to the card prior to your departure to activate coverage. $500,000 Common Carrier Accident Insurance is available only to the Primary Cardholder and his/her spouse and dependent children; coverage is up to $500,000. 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 (CDW) or Loss Damage Waiver (LDW) must be declined and the full cost of the rental must be charged to your card. Baggage Insurance is “excess insurance” (meaning it covers you only to the extent your claim exceeds any other collectible insurance that would apply without this insurance). 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.

10 Avis rental car discounts are available at participating Avis locations provided you charge the rental to your card. (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).

® Aerogold and Aeroplan are registered trademarks of Aeroplan Canada Inc. CIBC is an authorized licensee of the marks.

®2 Executive Class is a Registered Trademark of Air Canada Marketing International Inc.

®3 Advantex is a Registered Trademark of Advantex Marketing International Inc.

®4 Registered Trademark of CIBC.

™ Trademark of CIBC

TM1 "CIBC For what matters", "Miles Ahead", "Driver Assist" and "Nobody gets you there faster" are trademarks of CIBC.

TM2 Air Canada Jazz is a Trademark of Air Canada.