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Now you can own the credit card that offers the everyday conveniences you need and a host of outstanding features. Apply online today for the CIBC Classic VISA Card and put worldwide purchasing power and built-in peace of mind in your pocket.

The CIBC Classic VISA Card is a perfect fit for you if:

• 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 18.5%1)
• Your household income is $15,000 or more

With your CIBC Classic VISA Card, you will also receive these great credit card advantages:

• $100,000 Common Carrier Accident Insurance4
• AVIS car rental discounts up to 20% at participating locations5
• Free personalized CIBC Convenience Cheques6
• Cash advances of up to $1,000 a day7
• Emergency card replacement
• Worldwide VISA acceptance at over 24 million locations
• Purchase Security* Insurance replaces, repairs or reimburses you for most personal items lost, stolen or damaged within 90 days of purchase if the full purchase price has been charged to your CIBC Classic VISA Card4
• Extended Protection* Insurance doubles the manufacturer's original Canadian or U.S. warranty for up to one additional year on most items charged to your CIBC Classic VISA Card4
• 24/7 roadside assistance in Canada or the mainland U.S. with no upfront fees and a market rate guarantee with Driver Assist8

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

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 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 23%.

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 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).

6 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.

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

8 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).

® Registered trademark of CIBC.

™ "CIBC for what matters" and "CIBC CreditSmart" are trademarks of CIBC.

TM1 Trade-mark of Carlson Marketing Group Canada Ltd.

* Visa Int./lic. user.

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, Vancouver, B.C.; 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).