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The CIBC Aero Classic VISA Card lets you earn valuable Aeroplan® Miles on all your everyday card spending2. Plus, you will receive a Welcome Bonus of 2,500 Aeroplan® Miles3 when you use your card. The interest rate - currently 19.5% per year - will apply only on any outstanding balance you may carry.

Chip technology

CIBC VISA Cards will now be issued with chip technology**. This technology is tested, proven and in wide use around the world. Chip cards are quickly becoming the new global standard for enhanced safety and security against credit card fraud. View important information on how to use your chip-enabled CIBC VISA Card.

The CIBC Aero Classic VISA card is for you if:

• You want to earn valuable Aeroplan Miles on all your everyday card spending
• You have an annual household income of $15,000 or more

Reward yourself with Aeroplan Miles fast using your CIBC Aero Classic VISA Card

• Receive 1 Aeroplan Mile for every 2 dollars charged to the card2
• Receive up to double Aeroplan Miles when you use your CIBC Aero Classic VISA Card to dine, golf, or stay at any participating CIBC Bonus Rewards®1 establishment4
• Enjoy unsurpassed acceptance across Canada, and in over 24 million locations worldwide

With CIBC CreditSmart, you can manage, track and organize your credit card activity - plus protect yourself from fraud.

• Online Spend Report: get a more detailed view of your credit card spending and create customized monthly budgets
• Personal Spend Manager: create your own personal spend categories to track and manage what's important to you
• Enhanced Monthly Statement: track and manage your monthly and year-to-date spending organized in 10 common spend categories on your printed statement
• Spend Alerts: set up alerts through CIBC Online Banking and choose to be notified by phone, e-mail or online message when you've exceeded your customized budget or are nearing your credit limit5
• Credit Report Alerts: stay up-to-date on key changes to your personal credit report so you're aware of any unusual activity on your credit file6
• Fraud Alerts: set up alerts and choose to be notified as soon as possible about potential unauthorized use of your credit card through alerts by e-mail or online message
• Identity Theft Assistance: get quick access to guidance and clear instructions on what to do if you suspect you're a victim of identity theft by calling 1-800-465-4653

From ways to help manage spending to features that offer new levels of card security, your CIBC VISA Card is The card for the way you live life. On your terms™.

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 Insurance7
• Cash advances of up to $1,000 a day8
• Emergency card replacement
• Free personalized CIBC Convenience Cheques9
• Worldwide VISA acceptance at over 24 million locations

Also, check out these great Optional Features:

• CIBC Payment Protector™ provides credit card protection when you need it the most
• CIBC Trip Cancellation/Trip Interruption Insurance
• CIBC Emergency Travel Medical Insurance

Trademarks and Disclaimers

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

2 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 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.

3 Welcome Bonus cannot be combined with any other card 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.

4 The number of Bonus Rewards earned depends on the offer of the particular CIBC Bonus Rewards establishment. The CIBC Bonus Rewards Benefit 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. For full details and important information regarding the CIBC Bonus Rewards Benefit, please visit www.cibcbonusrewards.com

5 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.

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

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

9 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.

10 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 which receives all Aeroplan Miles earned by cardholders on the Visa Account, provided the account is in good standing. Please note, however, that Aeroplan Miles will expire unless redeemed within 7 years from when they were earned (or by Dec. 31, 2013, for Miles earned before 2007). See Aeroplan for details.

® Aeroplan is a Registered Trademark of Aeroplan Canada Inc. CIBC is an authorized licensee of the mark.

®1 Registered trademark of CIBC.

™ "CIBC for what matters" and "CIBC CreditSmart" are trademarks of CIBC.

™1 Trade-mark of Carlson Marketing Group Canada Ltd.

* VISA and Classic are registered trademarks of VISA Int./lic. users.

**Excludes CIBC U.S. Dollar VISA Card

Insurance Features/Options:

7 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.