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The CIBC Gold VISA Card offers you the benefits, peace of mind and rewards you deserve. Plus the opportunity to earn one Gold Bonus Point for every dollar charged to your card.2 And you can redeem your points for a wide range of merchandise and travel from the CIBC World of Gold Rewards catalogue.

The CIBC Gold VISA Card is for you if:

• You would like to be rewarded for using your card
• You travel for business or pleasure at least once a year
• You like to redeem your points for merchandise or travel
• You have an annual household income of $ 35,000 or more

Earn Gold Bonus Points and enjoy premium services with the CIBC Gold VISA Card:

• Earn one Gold Bonus Point for every dollar in net purchases made with the card2
• Get Purchase Security and Extended Protection* Insurance when your purchases are charged to your card. Increase the manufacturer's original Canadian or U.S. warranty on most items purchased with the card, up to one additional year3
• Receive up to $2,000 of Trip Interruption Insurance for each person covered3

The value of your CIBC Gold VISA Card goes far beyond earning points for Rewards. You will also receive these premium credit card advantages:

• Up to 31 days Automatic Out-of-Province Travel Medical Insurance for cardholders age 64 and under.3 (Cardholders 65 and over receive all Gold Benefits, excluding Travel Medical Insurance, for a reduced annual fee of $69)
• $500,000 Common Carrier Accident Insurance3
• VISA Auto Rental Collision / Loss Damage Insurance.3
• AVIS car rental discounts up to 20% at participating locations6
• Free personalized CIBC Convenience Cheques7
• Cash advances of up to $1,000 a day8
• Emergency card replacement
• Worldwide VISA acceptance when 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 Assist9

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

2 Gold Bonus Points are earned on card purchases less returns, and not on cash advances, regular Convenience Cheques, balance transfers, fees, interest or Points redemptions. Gold Bonus Points are awarded on receipt of minimum payment due, if your account is in good standing (otherwise they are cancelled). All points are credited to the primary cardholder only.

4 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.

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

6 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).

7 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. Cheques cannot be used for payments on or balance transfers from other CIBC cards, Personal Lines of Credit or other Loans. Convenience Cheques cannot be certified. Cheques do not earn Gold Points.

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

9 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.

+ American Express Travellers Cheques is a Reg. TM of American Express Company, used under licence.

* VISA Int./lic. user.

Insurance Features/Options:

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; Trip Interruption Insurance is underwritten by RBC Travel Insurance Company; common carrier fares or merchandise must be charged to the card to activate coverage. VISA Auto Rental Collision/Loss Damage Insurance applies for rental periods not exceeding 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; this insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. 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 also be age 64 or under, and their dependet children for trips of up to 31 days and is underwritten by RBC Travel Insurance Company. 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).