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Apply today and you'll receive a Welcome Bonus of 15,000 Aeroplan® Miles when you use your new CIBC Aerogold® VISA INFINITE* Card for the first time2.

The CIBC Aerogold VISA INFINITE card is for you if:

• You want a card that reflects the expectations of discerning travellers like yourself
• You want a card that offers premium benefits and fast travel reward accumulation
• You want to earn frequent flyer miles so you can travel more often
• You have an annual personal income of $60,000 or household income of $100,000 or more

More Miles at no extra cost

The CIBC Aerogold VISA INFINITE Mileage Multiplier®1 feature helps you get even more out of your credit card, at no extra cost. Earn 1.5 Aeroplan Miles for every dollar you spend at gas stations, grocery and drug stores12. Remember, it's not what you buy, but where you buy it. For example, whether it's milk or a lawn chair, if you buy it at a grocery store, you'll earn 1.5 Aeroplan Miles. That's 50% more for every $1 you spend (up to $80,000 in net card purchases a year).

Access premium benefits and rewards with the CIBC Aerogold VISA INFINITE Card:

• Enjoy the flexibility to spend over your credit limit7 without having to pay an overlimit fee
• Out-of-Province Travel Medical Insurance13 for the first 15 days of a trip for primary cardholders age 64 and under
• Trip Interruption Insurance13 to protect you from the costs that arise when sickness, injury or another unexpected event disrupts your travel plans
• Enjoy the CIBC VISA INFINITE Travel Concierge Service, a full-service travel planning and booking agency - whatever your travel needs are, simply call 1-866-748-5205 or visit the CIBC VISA INFINITE website and they'll take care of everything!
• Earn 1.5 Aeroplan Miles for every dollar you spend at gas stations, grocery and drug stores
• Earn 1 Aeroplan Mile for every dollar charged to the card at other locations3
• Earn additional Aeroplan Miles when you use the card at participating Aeroplan partners
• Earn Bonus Aeroplan Miles at participating Advantex®3 Benefit restaurants, resorts and golf courses10

With CIBC CreditSmart®1, 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 limit14
• Credit Report Alerts - sign up online to stay up-to-date on key changes to your personal credit report so you're aware of any unusual activity on your credit file15
• Fraud Alerts - set up alerts online 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 Aerogold VISA INFINITE Card goes far beyond helping you earn reward travel faster

You will also receive these premium credit card advantages:

• Flight Delay and Baggage Insurance for lost, stolen, damaged or delayed checked baggage13
• VISA Auto Rental Collision/Loss Damage Insurance13
• $500,000 Common Carrier Accident Insurance13
• AVIS car rental discounts up to 20% at participating locations16
• Free personalized CIBC Convenience Cheques17
• Guaranteed hotel reservations
• Cash advances of up to $1,000 a day18
• Emergency card replacement
• Worldwide VISA acceptance at over 24 million locations
• 24/7 roadside assistance in Canada or the mainland U.S. with no upfront fees and a market rate guarantee with Driver Assist19

Also, check out these great Optional Features:

• CIBC CardAssist™1 Card Registry Service, one call protects you if your cards are lost or stolen
• CIBC Payment Protector™ provides credit card protection when you need it the most
• CIBC Auto Club offers travel protection when driving in Canada and the U.S.

Receive a Welcome Bonus of 15,000 Aeroplan® Miles when you use your new CIBC Aerogold VISA INFINITE Card for the first time. You can apply online, call the CIBC Credit Card Application Centre at 1-866-438-2422 or visit one of our branches.

Trademarks and Disclaimers

1 The CIBC Aerogold Visa Card offers you a combination of 50% more Aeroplan Miles on card purchases at gas, grocery and drug stores, unsurpassed acceptance worldwide, and Aeroplan ClassicPlus FlightTM1 Rewards (See Aeroplan.com for details).

2 This offer cannot be combined with any other offer and applies to new, approved primary cardholders only. Bonus Aeroplan Miles are awarded after the first purchase is made with the card. Offer may be changed or withdrawn at any time.

3 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. Taxes, landing and departure fees and other charges and surcharges may apply to Aeroplan reward travel. For more information on reward travel, please refer to www.aeroplan.com.

4 Aeroplan ClassicPlus Flight 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.

5 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 Aerogold VISA INFINITE and Aerogold 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 aeroplan.com for details.

6 Additional purchasing power over your credit limit does not mean unlimited spending.

7 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.

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.

10 Extended privileges at select hotels are provided on request. The CIBC Advantex Benefit applies only if the card is used for payment at participating establishments. Other restrictions and conditions apply. The number of restaurants participating in the Triple Miles benefit may vary from time to time; the number of Bonus Aeroplan Miles earned at other participating restaurants and at participating resorts and golf courses will vary from time to time. 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.

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

12 The 50% more offer applies to CIBC Aerogold VISA INFINITE Card purchases (less returns) at merchants which are classified in the credit card network as grocery stores, service stations/automated gas dispensers or drug stores. Some merchants may sell these products/services or are separate merchants who are located on the premises of these merchants, but are coded in another manner, in which case this added benefit would not apply. Any returns or other credits for card purchases at grocery, gas or drug stores will be deducted from your Aeroplan Account at the rate of 1.5 Aeroplan Miles for each dollar in returns/credits. This bonus Miles offer is only available on the first $80,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net card purchases at these merchants will earn Aeroplan Miles at the regular rate. The $80,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice.

13 All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package. Common carrier fares must be charged to the card before departure to activate certain coverages. 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. Trip Interruption Insurance and CIBC Out-Of-Province Travel Medical Insurance are underwritten by RBC Insurance Company of Canada. Common Carrier Accident Insurance is underwritten by American Home Assurance Company; Flight Delay and Baggage Insurance is underwritten by RBC General Insurance Company in Quebec and RBC Insurance Company of Canada in the rest of Canada. Baggage Insurance is excess insurance over and above any other collectible insurance that would apply without this Insurance. 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 insurance must be declined and the full cost of the rental must be charged to your card; underwritten by Royal & Sun Alliance Insurance Company of Canada.

14 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.

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

16 AVIS discounts are available at participating AVIS locations and are applied automatically when you use the card to pay for the rental (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).

17 Personalized CIBC Convenience Cheques can be ordered by calling a CIBC 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 are treated as cash advances and do not earn Aeroplan Miles.

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

19 The market rate guarantee applies to tows of less than 50 kms and non-towing services, only; if you get a lower, written quote for the same service from another towing operator in the same market area, you'll be reimbursed the difference between that quote and what you paid the towing company to which you were referred. The Driver Assist™ service is provided by Dominion Automobile Association (DAA).

® Aerogold and Aeroplan are Registered Trademarks of Aeroplan Limited Partnership; CIBC authorized licensee of marks. ®1 Registered trademark of CIBC. ®2 Executive Class is a registered trademark of Air Canada.™ Trademark of CIBC. * VISA Int./lic. user. ®3 ADVANTEX is a registered trademark of Advantex Marketing International Inc. TM1 ClassicPlus Flight is a registered trademark of Aeroplan Limited Partnership. TM2 Trademark of Carlson Marketing Group Canada Ltd