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The CIBC Classic VISA Card takes your needs seriously, with a card that offers you some of the benefits you'd find with premium cards - at no annual fee. (The current regular interest rate is 19.5%1). Our special student program makes getting a CIBC Classic VISA Card easy. To apply, all you need is a minimum $1,200 in annual income.

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 Classic VISA Card for Students is a perfect fit for you if:

• You are a full-time student enrolled in a recognized college or university
• You need the day-to-day convenience of a credit card
• You want a credit card with no annual fee (current regular annual interest rate is 19.5%)1
• You have a minimum annual income level of $1,200

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 limit2
• 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 file3
• 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™.

All the Credit, All the Benefits:

Our special student program makes getting a CIBC Classic VISA Card easy. Enjoy all these benefits with the no annual fee CIBC Classic VISA Card:

• Purchase Security and Extended Protection* Insurance4
• Access to VISA cash advances at ATMs worldwide5
• Automatic $100,000 Common Carrier Accident Insurance4
• Emergency card replacement
• 24/7 roadside assistance in Canada or the mainland U.S. with no upfront fees and a market rate guarantee with Driver Assist6

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

Trademarks and Disclaimers

1 The current regular annual interest rate is 19.5% for purchases and 21.5% for cash advances, balance transfers and convenience cheques.

2 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.

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

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

6 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.

™ "CIBC for what matters" is a trademark 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:

4 Common Carrier Accident Insurance is underwritten by American Home Assurance Company; Purchase Security and Extended Protection* Insurance is underwritten and administered by Elite Insurance Company; common carrier fares or merchandise must be charged to the card to activate coverage. All insurance is subject to limitations and exclusions outlined in the insurance certificates distributed with the Card Package (for coverage included with the Card) or on enrolment (for optional coverages).