CIBC Up to 7% Cash Back Offer

This offer gives you cash back based on your mortgage amount and term, and is available if you are approved for a 3, 4, 5, 7 or 10-year closed, fixed-rate residential mortgage*. For example, if you have a $100,000 mortgage and select a 10-year term, you will receive 7% cash back, or $7,000!

CIBC Up to 7% Cash Back Offer could be for you if you:

• Want to renovate, furnish or decorate your home
• Would like to take a dream vacation
• Want to prepare for any unexpected moving expenses
• Want to make an additional lump sum payment on your mortgage
• Need money for a special upcoming event such as an anniversary, wedding or child on the way
• Want to renew an existing mortgage early, or transfer your mortgage from another financial institution and have prepayment costs to pay
• Want to purchase investments, open an RESP or make an RRSP contribution

CIBC Up to 7% Cash Back Offer Key Benefits:

Saves you money

• You get up to 7% cash back based on your mortgage amount and term1, to spend however you choose
• This cash back amount is completely tax-free **
• There are no cash maximums - the larger your mortgage, the more cash back you receive

The examples below assume a $100,000 mortgage:

	Closed, fixed-rate mortgage		Closed, fixed-rate CIBC AeroMortgage®
Term	% Cash Back	$ Cash Back	% Cash Back	$ Cash Back
10 year	7%	$7,000	4.50%	$4,500
7 year	7%	$7,000	3.50%	$3,500
5 year	5%	$5,000	2.50%	$2,500
4 year	2%	$2,000	1.50%	$1,500
3 year	2%	$2,000	1.50%	$1,500

Convenient

• The offer is available on a wide range of CIBC Mortgages. Our 3, 4, 5, 7 or 10-year closed, fixed-rate residential mortgages (including our CIBC AeroMortgage™) are all eligible

Information you need to know

• To be eligible for Cash Back, the mortgage amount must be at least $10,000

Trademarks and Disclaimers

CIBC Mortgages offered by CIBC Mortgages Inc.

* Offers may change or be withdrawn at any time. Applicants must meet standard lending criteria.

** The Cash back amount is tax free as long as the funds are not used to earn income from a business or property.

If the mortgage is discharged, refinanced, ported, assumed, transferred or renewed before the maturity date for any reason, you must repay a portion of the cash back amount. The Cash Back Offer applies only if principal on date of advance/renewal is at least $10,000. Limit one Cash Back Offer per mortgage term; offer cannot be combined with any other bonus or offer; not available on regular mortgage assumptions, "ports", early renewals, refinances, conversions or the CIBC Better Than Posted Mortgage. Other conditions apply; ask for details.

® Aeroplan and AeroMortgage are registered trademarks of Aeroplan Canada Inc. CIBC and CIBC Mortgages Inc., licensees of marks.

The information in this article is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual.