How are Dividend Dollars™ awarded?

This is an annual program. This means that Dividend Dollars™ are accumulated each month, beginning with the January statement, and awarded at the end of the year as a credit on the December statement. Provided your account is in good standing, you should see this as a line item on your December statement summary, as well as in an accompanying statement message to reinforce your annual dividend amount. After Dividend Dollars are awarded on the December statement, the Dividend Account will be reset to $0.00 and the Program will begin again with the January billing cycle (which starts immediately after the December statement is issued).

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How can I redeem Gold Bonus Points?

Your Gold Bonus Points can be redeemed for merchandise or travel from the "A World of Gold Rewards" gift catalogue that was sent with your Welcome Kit (and each time it is updated). Once you have accumulated enough points for the merchandise you desire, just place your order by contacting our Call Centre at 1-800-465-4653, faxing your request to 1-800-897-0551 or writing to CIBC Credit Card Services, PO Box 4058 Station A, Toronto ON M5W 1L8. Have your credit card ready when placing your order and please quote the appropriate merchandise number. Generally, items are received within 3-5 weeks of ordering. You can also redeem points toward travel. You can use your points to save up to 20% on travel booked through the CIBC Credit Card Travel Service (or you can choose to receive the 5% rebate on eligible travel expenses). Contact CIBC Travel Service at 1-800-306-2433 for details. Remember, your account must be in good standing to redeem Gold points.

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How can I redeem Aeroplan miles?

To request reward travel, contact the Aeroplan Centre. A customer service agent will be glad to assist you. From within Canada, the Bahamas, Barbados, Bermuda, the Cayman Islands, Jamaica, Trinidad, and the United States, call 1-800-361-5373. For reward travel within Canada on Air Canada, Air Ontario, Air Nova or Air BD only, call 1-888-612-2474. In the Montreal area call (514) 395-0300.

You can also book on-line through the Air Canada website www.aircanada.ca, and click on: Aeroplan Virtual Rewards! Here you can check flight and seat availability and book Aeroplan* reward travel online on flights operated by Air Canada and Air Canada Connectors*. To confirm your reservation, call one of the numbers listed above, or go on-line at www.aircanada.ca.

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How do I redeem my Aventura Points?

Aventura Points can be redeemed for lifestyle rewards and travel options by contacting the CIBC Aventura Rewards Centre at 1-888-232-5656 or visiting the CIBC Aventura Rewards Centre at www.CIBCaventura.com.

Please quote the appropriate Aventura Rewards number and have your CIBC Aventura Gold VISA card number ready when placing your order. The total redemption amount of Aventura Points will be debited from your Aventura Points balance on the date your order is taken.

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Will the Aeroplan program ever be cancelled?

CIBC Aerogold VISA cards and CIBC Aero Classic VISA cards earn Aeroplan Miles in Aeroplan, Air Canada's frequent flyer program. We are not aware of any plans to cancel the program.

Air Miles, another reward program, once offered collectors travel on Canadian Airlines. Since Air Canada has purchased Canadian Airlines, Air Miles collectors will have already been converted to Aeroplan Members and will be able to book flights with both airlines.

If you have any further questions about Aeroplan and its new flight destinations, please visit Air Canada's website at www.aeroplan.ca or call Aeroplan Customer Service at 1-800-361-5373.

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Will I lose my rewards (points/miles/dollars/earnings) when I cancel my credit card?

Any Aeroplan Miles previously transmitted to Aeroplan prior to the cancellation of the credit card account will not be forfeited.

When a Dividend Card/Dividend Platinum cardholder chooses to transfer to another CIBC credit card or to close his or her account before December, he or she will forfeit any of the Dividend Dollars accumulated to date. Cardholders cannot have their Dividend Dollars awarded before December.

When an Aventura Gold cardholder chooses to cancel his or her account, they will have the opportunity to redeem their Aventura Points up to 60 days after the date of the account cancellation. If the Aventura Gold cardholder chooses to transfer to another CIBC VISA product, they have the option of converting their Aventura Points to the other product rewards program based on predefined conversion ratios.

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