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The CIBC Aventura Gold VISA Card offers you exclusive lifestyle and travel rewards with exceptional service. Apply today and receive 5,000 Bonus Aventura Points when you use your card for the first time.2

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 Aventura Gold VISA Card is a perfect fit for you if:

• You want a premium travel rewards card that provides you with ultimate flexibility
• You want to choose from over 100 airlines for flight rewards
• You would like to redeem your points for distinctive one-of-a-kind travel rewards
• You have an annual household income of $35,000 or more

Access exclusive rewards with the CIBC Aventura Gold VISA Card

• Earn 1 Aventura Point for every dollar charged to your card3
• Earn bonus Aventura Points through Advantex®1 4 Benefit
• Experience a wide variety of exclusive lifestyle and travel rewards
• Choose from over 100 airlines with Aventura Airline Travel Rewards with no blackout periods, fees or restrictions5
• Redeem your Aventura Points for travel options (choose from thousands of hotels, major car rental agencies, cruise lines and tour packages)
• Use your Aventura Points for 100% of travel or pay partly with points while charging the balance to your card6
• Book travel services with the CIBC Aventura Rewards Centre and earn double Aventura Points7
• View and redeem your Aventura Points for rewards on the Aventura Rewards website or by calling the CIBC Aventura Rewards Centre at 1-888-232-5656
• Receive exceptional service - from redemption to customer care

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 limit8
• 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 file9
• 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™.

Convert Aventura Points to Aeroplan®3 Miles

You will also receive these premium credit card advantages:

• 1 Aventura Point = 1 Aeroplan Mile9
• Your CIBC Aventura Gold VISA card gives you the ability to convert your Aventura Points to Aeroplan Miles for flights and other travel rewards on Air Canada and its Star Alliance®2 partners; you can convert your Aventura Points to Aeroplan Miles in 10,000 Point increments10

The value of your CIBC Aventura Gold VISA Card goes far beyond unforgettable travel experiences, gift cards and lifestyle rewards:

You will also receive these premium credit card advantages:

• VISA Auto Rental Collision/Loss Damage Insurance15
• Flight Delay and Baggage Insurance for lost stolen, damaged or delayed checked baggage15
• $500,000 Common Carrier Accident Insurance15
• AVIS car rental discounts up to 20% at participating locations11
• Free personalized CIBC Convenience Cheques12
• Guaranteed hotel reservations
• Cash advances of up to $1,000 a day13
• 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 Assist14

Also, check out these great Optional Features:

• 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.
• CIBC Trip Cancellation/Trip Interruption Insurance
• CIBC Emergency Travel Medical Insurance

Apply online now and receive 5,000 Bonus Aventura Points on your first purchase. You can also call the CIBC Credit Card Application Centre at 1-866-438-2422 or visit one of our branches.

Trademarks and Disclaimers

1 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.

2 The interest rate will change from time to time on at least 30 days prior notice to cardholders. If your credit rating and financial situation do not meet certain criteria set by CIBC, CIBC may still issue the card but at 24%.

3 Aventura Points are earned on card purchases less returns, and not on cash advances, fees, interest, balance transfers, payments, regular Aventura Cheques or point redemptions. Aventura Rewards and Program Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Airline Rewards cover up to a maximum ticket cost; any excess cost plus taxes, fees and surcharges must be charged to the Card or paid for with points (or, if you reside in Quebec, by cheque). Aventura points will be awarded only if your CIBC Aventura VISA Account is in good standing on each monthly statement date (otherwise, they are cancelled).

4 The CIBC Advantex Benefit applies only if the Card is used for payment at participating establishments. Some restrictions may apply. Please visit www.aventuraadvantex.com for full terms and conditions. The number of Bonus Aventura Points awarded depends on the particular CIBC Advantex Benefit establishment. 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.

5 No black-out periods apply to airline travel rewards. Some airlines require 14 days advance booking and/or a Saturday overnight stay.

6 Each 500 Aventura Points increment may be exchanged for travel services worth $5. If the cost of the travel services exceeds the value of Aventura Points redeemed, the excess must be charged to your Card (or, for Quebec residents, can be paid by cheque). Taxes and any other charges on travel services, except the premiums for any insurance, purchased through the CIBC Aventura Rewards Centre may be paid for by Aventura Points at the same rate unless they are charged to your Card (or paid for by cheque if you are a Quebec resident). Some taxes and other charges may be collected locally (when you are travelling) and cannot be prepaid; please ask a CIBC Aventura Rewards Centre Counsellor for specific details.

7 One Aventura Point is earned on each dollar charged to the card. Bonus (double) points are earned at the same rate on Aventura Rewards Centre travel purchases charged to the card other than taxes, insurance, service charges or similar items. Points are not earned on travel obtained by redeeming Points.

8 Transactions must first be posted to your account before they can trigger a spend alert. It may then take up 24 hours after a triggering transaction is posted for an alert to be sent.

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

10 Aventura Points may be converted to Aeroplan Miles at an exchange rate of 1 for 1. To convert Points, your CIBC Aventura Gold VISA Account must be in good standing.

11 AVIS rental car discounts are available on qualifying rentals 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).

12 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. Convenience Cheques cannot be certified. Cheques do not earn Aventura Points.

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

14 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).

® Reg. TM of CIBC.

®1 ADVANTEX is a Registered Trademark of Advantex Marketing International Inc.

®2 Star Alliance is a Registered Canadian Trademark of Air Canada.

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

TM "CIBC for what matters" and " The Card for the way you live life, On your Terms " are trademarks of CIBC.

TM1 Trade-mark of Carlson Marketing Group Canada Ltd.

* VISA Int./lic. user.

**Excludes CIBC U.S. Dollar VISA Card

Insurance Features/Options:

15 All insurance is subject to limitations and exclusions; see Legal and Insurance Information booklet distributed with the Card Package. Auto Rental Collision/Loss Damage Insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. 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. Flight Delay and Baggage Insurance is underwritten by RBC General Insurance Company in Quebec, and RBC Travel Insurance Company in the rest of Canada; $500,000 Common Carrier Accident Insurance is underwritten by American Home Assurance Company; common carrier fares must be charged to the card before departure to activate coverage.