CIBC Aerogold Visa Infinite Card

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					Yo ur   Benefits   Guide




  Welcome to your
 CIBC Aerogold         ®



Visa Infinite Card
               ™
  A purchase at a Glance
Benefits may be required or other limitations may apply, so please ask for
  d                                                                               Welcome to your CIBC Aerogold Visa Infinite
                                                                                  Card. And a completely different credit
YOUR PREMIUM PASSPORT TO REWARD TRAVEL
                                                                                  card experience.
Welcome to your CIBC Aerogold Visa Infinite Card                             1
                                                                                  Your new CIBC Aerogold Visa Infinite Card
Exclusive Benefits                                                           2    comes with our promise to help you get the
                                                                                  R
                                                                                  very most out of your credit card.
Earn Rewards Faster                                                          2
       One Aeroplan® Mile for Every Dollar Spent                             2    The CIBC Aerogold Visa Infinite Card is part of an elite
       Earn 50% More Aeroplan Miles at Select Merchants                      2
                                                                                  category of Visa credit cards that combines exceptional
       Air Canada Flights and Flight Passes                                  3
                                                                                  benefits with fast rewards accumulation and higher
       Aeroplan Partners                                                     3
   o                                                                              purchasing power. Reflecting our heritage of making
       Enhanced CIBC Bonus Rewards                                           3
                                                                                  R best even better, we are once again raising the gold
                                                                                  the
       Aeroplan Miles Guaranteed Not to Expire                               3
                                                                                  standard with our exclusive CIBC Aerogold Visa Infinite
Enjoy a World of Aeroplan Rewards                                            3    Card. You can earn Aeroplan Miles whenever you make
       Reward Yourself with More Than Travel                                  4
                                                                                  a purchase with your card. Redeem your Aeroplan
       Earn More Aeroplan Miles with
       Aeroplan Partners                                                      4
                                                                                  Miles for an exciting selection of travel, dining, and
       Redeem Your Aeroplan Miles                                             4   entertainment options. Plus, benefit from Travel Medical
                                                                                  Insurance, Travel Concierge Service and a whole new
Chip-enabled CIBC Visa Card                                                  5    level of exceptional benefits available to CIBC Visa
Visa payWave        ™
                                                                             5    Infinite Cardholders.
CIBC CreditSmart®2 Features                                                  6    Even better, your CIBC Visa Card offers you CIBC
       CIBC CreditSmart Fraud Alerts                                          6   CreditSmart – a suite of smart credit management
                                                                                  D
       CIBC CreditSmart Credit Report Alerts                                  6   features – all at no additional cost to you. Take advantage
       CIBC CreditSmart Identity Theft Assistance                             6   of customized tools that allow you to better organize
       Enhanced Monthly Statement                                             6   and manage your monthly spending. Discover innovative
       CIBC CreditSmart Spend Report                                          6
                                                                                  services that help you make credit decisions that are
       CIBC CreditSmart Spend Alerts                                          7
                                                                                  right for your life – including a suite of security and
       CIBC CreditSmart Personal Spend Manager                                7
                                                                                  protection features for your peace of mind.
Insurance and Travel Benefits                                                7
       Out-of-Province Travel Medical Insurance                               7   How you use all your new card features and benefits is
       CIBC Visa Auto Rental Collision/Loss                                       totally up to you. But one thing is certain. It’s a completely
       Damage Insurance                                                       7   different credit card experience. It’s a credit card on your
       Flight Delay and Baggage Insurance                                     8   terms.®1 And it’s only from CIBC.
       Trip Interruption Insurance                                            8
       Common Carrier Accident Insurance                                      8   Please take a moment to read through this guide and
       Commission-Free Regular American Express                                   learn more about everything your new card has to offer
       Travellers Cheques†                                                    9   you. We think you’ll be impressed – and even more
       Car Rental Discounts                                                   9   confident that you’ve made the right choice. Enjoy.
   C
Financial Benefits                                                           9
       Access to Cash Advances                                                9
       Additional Cards                                                       9
       Auto Pay Service                                                       9
       Free Personalized Convenience Cheques™
                                                           1
                                                                             10
       Card Replacement and up to $5,000
       in Emergency Cash Advances                                            10
                                                                                  B


                                                                                                                                                   1
    Exclusive Benefits of the                                                whether it’s milk or a lawn chair, if you can buy it at a grocery
    CIBC Aerogold Visa Infinite Card                                         store, you’ll earn 1.5 Aeroplan Miles. Of course, you’ll continue
                                                                             to earn one Aeroplan Mile for every dollar charged to the card
    THE CIBC VISA INFINITE WEBSITE                                           at all other locations.
    The CIBC Visa Infinite Cardholders-only website is your exclusive
                                                                             3   AIR CANADA FLIGHTS AND FLIGHT PASSES
    destination for information on concierge services, enhanced
    dining and hotel perks, special travel offers and more – making it       When you charge an Air Canada flight or one of Air Canada’s
    one of the most exciting benefits to being a CIBC Aerogold Visa           Flight Passes to your CIBC Aerogold Visa Infinite Card, you can
    Infinite Cardholder. Visit www.cibcexclusiveoffers.com.                   enjoy a double benefit: you receive Aeroplan Miles equaling
                                                                             the dollar value of your purchase plus any regular Aeroplan
    T R AV E L C O N C I E R G E                                             Miles 6 or Air Canada Status Miles earned for flying on Air
    Your CIBC Visa Infinite Travel Concierge is a full-service travel         V
                                                                             Canada. And you can also earn additional Aeroplan Miles
    agency1 that specializes in planning every aspect of your travel         when you complete a purchase at www.aircanada.com. Visit
    itinerary. Whether it’s researching and booking a condo rental           Air Canada’s website for all the details.
    in Hawaii or helping you plan a fairytale honeymoon in France,
                                                                             4    A E R O P L A N PA R T N E R S
    travel specialists can help customize your trip from start to                o
    finish. You can also book travel-related experiences to enhance           Many Aeroplan Partners, including many hotels and car
    your trip, such as local sight-seeing tours or amusement park            rental agencies, award you Aeroplan Miles for using their
    passes. To simplify your travel experience you can receive               services. By paying for those services with your CIBC Aerogold
    pre-trip assistance, including weather forecasts, customs                Visa Infinite Card, you’ll earn one Aeroplan Mile for every
    information and more helpful advice. For more information,               dollar charged to your card in addition to those earned
    please call 1-866-748-5205 or visit www.cibcexclusiveoffers.com.         through the Aeroplan Partner. Simply present your Aeroplan
                                                                             Card at time of purchase and pay with your CIBC Aerogold
    PERSONAL CONCIERGE                                                       Visa Infinite Card to earn miles twice. For more information
    Let your Personal Concierge handle life’s details for you. From          on how to earn Aeroplan Miles, visit aeroplan.com.
    restaurant recommendations and reservations, to finding your
                                                                             5   EARN EVEN MORE AEROPLAN MILES
    favourite bottle of wine, to arranging a personal shopper and
    entertainment planning, your Personal Concierge is there to              Earn more Aeroplan Miles when using your CIBC Aerogold
    help make your life easier.2 The Personal Concierge is at your           Visa Infinite Card at participating Enhanced CIBC Bonus
    assistance 24 hours a day, seven days a week. To access your             Rewards establishments. Dine, golf, ski, spa or get away from
    Personal Concierge today, call 1-888-853-4458.                           it all at hundreds of participating establishments across Canada.
                                                                             Each time you do you’ll earn up to 100% more Aeroplan
    ENJOY THE PURCHASING POWER YOU DESERVE                                   Miles,7 in addition to the one Aeroplan Mile per dollar you
    The CIBC Aerogold Visa Infinite Card provides greater flexibility          already earn with your CIBC Aerogold Visa Infinite Card.
    by giving you additional purchasing power over your credit limit,3       The selection of Enhanced CIBC Bonus Rewards establishments
    without paying an overlimit fee. The amount you may be able to           is always growing, so be sure to visit the website and check your
    spend over your credit limit varies according to several factors,        monthly statements for announcements of new updates.
    and is payable in full on your payment due date.3
                                                                             Enhanced CIBC Bonus Rewards – Your Place To Earn Even
    Visit www.cibcexclusiveoffers.com to learn about these                   More Aeroplan Miles!
    exclusive benefits and more.
                                                                             For more information and access to a complete listing
    Earn Rewards Faster                                                      of oparticipating Enhanced CIBC Bonus Rewards
                                                                             establishments, visit www.cibcexclusiveoffers.com.
    The CIBC Aerogold Visa Infinite Card earns Aeroplan Miles to
    redeem toward flight rewards and much more. The Aeroplan                  AEROPLAN MILES GUARANTEED NOT TO EXPIRE
    Miles you earn with your card will automatically appear on               Even better, as a Primary CIBC Aerogold Visa Infinite Cardholder,
    your monthly statement. In fact, you can earn Aeroplan Miles             you are guaranteed by CIBC that you will not lose your Aeroplan
    in five ways:                                                             Miles due to 12 months of inactivity.8
    1   O N E A E R O P L A N M I L E F O R E V E RY D O L L A R S P E N T
    Now you can enjoy a card that rewards your spending with                 Enjoy a World of Aeroplan Rewards
    Aeroplan Miles. You’ll earn one Aeroplan Mile for every dollar
    charged to your CIBC Aerogold Visa Infinite Card.4                                             As the primary CIBC Aerogold Visa Infinite
                                                                                                  Cardholder, you’re automatically enrolled
    2   EARN 50% MORE AEROPLAN MILES AT SELECT MERCHANTS
                                                                                                  into the Aeroplan Program.9 So in addition
    With the Mileage Multiplier®1 feature, you’ll earn 1.5                                        to quickly accumulating Aeroplan Miles
    Aeroplan Miles for every $1 you spend – that’s 50% more                  for your everyday card use, you can also earn Aeroplan Miles
    Aeroplan Miles – at grocery stores, gas stations and drug stores         when you fly with Air Canada or Star AllianceTM2 airline partners
    (on the first $80,000 in total annual spending).5 For example,            and when you use it at over 150 Aeroplan Partner brands
                                                                             worldwide.10 Visit aeroplan.com for details.
2                                                                                                                                                3
    R E W A R D Y O U R S E L F W I T H M O R E T H A N T R AV E L                                                                    The Chip-enabled CIBC Visa Card
    Now, you can redeem your Aeroplan Miles for more rewards than                                                                     Chip Technology
    ever before! Use your miles for unforgettable experiences that
    take you around the world, whether you want to escape from it
                                                                                                                     A D D E D S E C U R I T Y T O Y O U R E V E RY D AY S P E N D I N G
    all with car rental and hotel rewards or with cruises and vacation
    packages to sunny destinations! Or take advantage of a wide                                                      CIBC is committed to providing you with a secure system
    variety of gift cards, brand name merchandise from luggage,                                                      against credit card fraud. To that end, CIBC Visa Cards
    electronics and home décor to toys, tools and much more! Plus,                                                   use chip technology, which enhances the security of the
    you can use your rewards in the comfort of your own home by                                                      magnetic stripe payment system. Each card uses an embedded
    downloading your favourite songs at Aeroplan Music Store. Why                                                    microchip to encrypt information, making it more difficult for
    wait? With more rewards than ever before starting at 5,000                                                       c
                                                                                                                     unauthorized users to copy or access card data. This technology
    Aeroplan Miles, it’s so easy to find the one that’s right for you.                                                is tested, proven and rapidly becoming the global standard for
    For more information on Aeroplan Rewards, visit aeroplan.com.                                                    secure transactions. With this sophisticated technology, you
    E A R N M O R E A E R O P L A N M I L E S W I T H A E R O P L A N PA R T N E R S                                 can feel confident that your information is safe and secure
    a                                                                                                                with every transaction you make with your CIBC Visa Card.
    When you pay for Aeroplan Partner services with your CIBC
    Aerogold Visa Infinite Card, you can earn Aeroplan Miles in                                                       Convenient and easy to use. Over time, retail terminals across
    c ways. First, you’ll receive one Aeroplan Mile for every dollar
    two                                                                                                              the country will become chip-enabled. Wherever chip technology
    charged to your card. Then you can earn Aeroplan Miles awarded                                                   is available, a PIN (Personal Identification Number) will be
    by the Aeroplan Partner. Take advantage of this “double benefit”                                                  required to authorize a transaction, much like a debit transaction.
    and watch your Aeroplan Miles add up twice as fast!                                                              CIBC Visa Cards will still have the familiar magnetic stripe on the
    You can earn Aeroplan Miles on flights you take with Air Canada,                                                  back for use at merchants that are not yet chip-enabled.
    Air Canada ExpressTM2 and Star Alliance.10 Moreover, if you are a                                                Visit www.cibc.com/chipcard for more information.
    frequent traveller, the more you fly, the closer you get to Air Canada
                                                             ®2
    Top Tier Status. If you achieve Air Canada Super Elite, Air Canada
    Elite®2 or Air Canada Prestige®2 status, you’ll enjoy the premium                                                             Visa payWave
    travel-related benefits that Air Canada Top Tier status offers.
    Plus, you could earn Aeroplan Miles when you use the services                                                    Y O U R C I B C C R E D I T C A R D I N C L U D E S V I S A PAY W AV E T M
    of any of the Aeroplan car rental, hotel, telecommunications or                                                  This no-fee feature provides you with a fast and
    other retail partners.
                                                                                                                     convenient alternative to paying with cash. Simply look for
    Please visit aeroplan.com for a full partner listing or to find out                                               merchant terminals with the           symbol, wave your CIBC Visa
    more on the Air Canada Top Tier program.                                                                         Card in front of the reader and you’re on your way. It requires
    REDEEM YOUR AEROPLAN MILES                                                                                       no PIN and in most cases no signature. Visa payWave is the ideal
    You can book Aeroplan Rewards online at aeroplan.com 24 hours                                                    way to speed through lines where you make everyday purchases
    a day, 365 days of the year. Just go to the “Use your Miles” section                                             like at fast food restaurants, gas stations, grocery stores and
    and select the type of reward you want from the main menu.                                                       movie theatres.
                                                                                                                     For more information, including where to find Visa payWave
                    Flying with Aeroplan: Redeeming Flight Tickets                                                   accepting merchants, visit www.cibc.com/paywave.
                                                             CLASSICFLIGHT REWARDS                CLASSICPLUS
                                                             Round-trip flight rewards          FLIGHT REWARDS
            REWARD TRAVEL ZONES
                                                             Economy
                                                               Class
                                                                           Executive First/
                                                                           Executive Class
                                                                                                 Round-trip flight
                                                                                                    rewards
                                                                                                                     CIBC CreditSmart – a suite of smart credit
                        Selected short-haul flights within
                                                                                                                     management features from CIBC.
                          Canada or between Canada           15,000           25,000          Starting at 22,500
           North              and Continental USA                                                                    Enhanced Monthly Statement
          America
                           Within Canada or between
                          Canada and Continental USA         25,000           50,000          Starting at 37,500     Understanding exactly where you spend your money
                        Between Canada/Continental USA
                                                                                                                     is easy. In addition to all of the information that you expect
                                                             40,000           60,000          Starting at 50,000
                                 and Mexico                                                                          on your credit card statement, you now have access to the
                        Between Canada/Continental USA
                           and the Bahamas, Bermuda,
                                                                                                                     CIBC CreditSmart spend report. You’ll be able to see, at a
                        the Caribbean or between Canada      45,000           80,000          Starting at 55,000
                                                                                                                     glance, where you’re spending your money – both on a
                                  and Hawaii ◊
                                                                                                                     monthly and year-to-date basis – by automatically tracking
                        Between Canada/Continental USA
        International         and South America              60,000           95,000          Starting at 70,000     your spending in 10 common spend categories such as
                        Between Canada/Continental USA                                                               “Retail and Grocery,” “Transportation” and “Restaurants.   ”
                                  and Europe                 60,000           90,000          Starting at 70,000

                        Between Canada/Continental USA
                                                                                                                     CIBC CreditSmart Spend Report
                                   and Asia                  75,000          125,000          Starting at 110,000
                                                                                                                     Organized information at your fingertips. The CIBC
                        Between Canada/Continental USA
                            and Tel Aviv or Australia        80,000          135,000          Starting at 110,000    CreditSmart spend report, summarized on your monthly
4                                                                                                                    statement, is also available through CIBC Online Banking.                    5
    CIBC CreditSmart – a suite of smart credit                           CIBC CreditSmart Spend Alerts
    management features from CIBC                                        Monthly budgeting made simple. Once you’ve used your
                                                                         CIBC CreditSmart spend report online to set up monthly
    CIBC CreditSmart Fraud Alerts                                        budgets, you can choose to be notified with CIBC CreditSmart
    Security measures with you in mind. It is important that you         spend alerts when your spending exceeds your budget. You
    feel protected from fraudulent activity on your credit card. With    can also choose to have an alert sent to you when you’re
    CIBC CreditSmart fraud alerts, you can be notified as soon as         approaching your credit limit.13 You can even let us know how
    there are any signs of unusual activity on your card. In addition    you would like to be notified – by e-mail, phone or through your
    to receiving a fraud alert call at home, you can also choose to      Online Banking Message Centre. If you decide not to receive
    receive fraud alerts by e-mail or through your Online Banking        spend alerts, you can simply track your budget on the spend
    Message Centre. These additional notification channels will help      report section of your monthly statement. How you manage
    us reach you as quickly as possible so that immediate action can     your budget is up to you.
    be taken whenever unauthorized use is suspected.
                                                                         CIBC CreditSmart Personal Spend Manager
    CIBC CreditSmart Credit Report Alerts                                Track your credit card spending in customized categories
    Stay on top of changes to your credit report. It’s important         that are personal to you. With the CIBC CreditSmart personal
    that you be aware of activity on your credit report so you can       spend manager – available through CIBC Online Banking – you
    respond immediately to suspicious activity. CIBC CreditSmart         can create and manage your own personal spending categories
    credit report alerts are a CIBC Online Banking tool that will help   (such as “Wedding,” “Basement Renovation” or “Spring
    protect your credit report and your financial well-being. Equifax     Wardrobe”). Once your categories are created, it’s easy to track
    Canada will inform you of key changes12 to your personal             and manage your personal budgets. Simply assign transactions
    Equifax credit report, such as new activity, inquiries and new       to categories as you see fit, and print a personalized summary
    credit applications. You can even choose how you’d like to be        report. Best of all, as your needs change you can change your
    notified – by phone, e-mail or through your Online Banking            categories along with them.
    Message Centre.
                                                                         Visit www.cibccreditsmart.com to learn more about
    CIBC CreditSmart Identity Theft Assistance                           these features.
    Helping you protect your identity. CIBC CreditSmart
    identity theft assistance provides you with information and          Insurance and Travel Benefits
    assistance when you suspect identity theft. One simple call
                                                                         O U T- O F - P R O V I N C E T R AV E L M E D I C A L I N S U R A N C E 1 4
    to CIBC Credit Card Services (1-800-465-4653) will ensure
    you receive guidance and clear instructions about how to             Travel worry-free. If you, as the Primary Cardholder, are age
    proceed with your inquiry – giving you confidence to take             64 or under, you, your spouse (if under age 65) and dependent
    action as needed.                                                    children are automatically insured for eligible emergency
                                                                         upfront hospital expenses for $5 million whenever you leave the
    Enhanced Monthly Statement                                           country or your province for the first 15 days, without having
    Understanding exactly where you spend your money is                  to pay for the coverage – you don’t even have to charge your
    easy. In addition to all of the information that you expect on       trip to the card.
    your credit card statement, you now have access to the CIBC          Your Out-of-Province Travel Medical Insurance is a comprehensive
    CreditSmart spend report. You’ll be able to see, at a glance,        protection plan, which provides up to $5 million in automatic
    where you’re spending your money – both on a monthly and             protection for the first 15 days of your trip. If you are travelling
    year-to-date basis – by automatically tracking your spending         for more than 15 days in length, or are age 65 or over, you
    in 10 common spend categories such as “Retail and Grocery,”          must purchase coverage separately for your entire trip (if age 65
    “Transportation” and “Restaurants.   ”                               or over) or the balance of your trip (if under age 65).
    CIBC CreditSmart Spend Report                                        For emergency assistance, claims, or pre-trip information
                                                                         call the CIBC Travel Assistance Line at 1-877-350-6970.
    Organized information at your fingertips. The CIBC                    Outside North America, call collect at 905-816-2571. Before
    CreditSmart spend report, summarized on your monthly                 obtaining any medical services, you must call the CIBC Travel
    statement, is also available through CIBC Online Banking. With       Assistance Line as some medical treatment and procedures
    the online spend report, you can access your daily transaction       require pre-approval in order to be covered. Please refer to
    information, see more details behind the 10 spend categories,        the enclosed Insurance Certificate for more details, including
    and compare your spending from month to month. Best of all,          policy limitations and exclusions.
    you can set budgets in each category for the total amount you
    want to spend each month. The online spend report will provide       C I B C V I S A A U T O R E N TA L C O L L I S I O N / L O S S D A M A G E
                                                                         I N S U R A N C E 14
    you with all of the information you need to track and manage
    your spending in the ways that are right for you.                    Smart savings opportunity. As a CIBC Aerogold Visa
                                                                         Infinite Cardholder, you can save up to $25 a day on car rental
                                                                         insurance. Simply charge the full cost of your car rental to your
6                                                                                                                                                      7
    CIBC Aerogold Visa Infinite Card and decline the rental agency’s       W
                                                                          COMMISSION-FREE REGULAR AMERICAN EXPRESS
                                                                          T R AV E L L E R S C H E Q U E S
    Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW).
    You’ll then be protected by CIBC Visa Auto Rental Collision/Loss      Simple savings when you travel. As a CIBC Aerogold Visa
    Damage Insurance. For information, please call 1-866-363-3338         Infinite Cardholder, you save the normal 1% commission on
    or call collect 905-403-3338. Before obtaining any medical            regular travellers cheques, and pay a reduced commission
    services, you must call the CIBC Travel Assistance Line as some       rate of 0.75% on dual signature travellers cheques (Cheques
    medical treatment and procedures require pre-approval in order        for Two†). Simply show your CIBC Aerogold Visa Infinite
    to be covered. Please refer to the enclosed Insurance Certificate      Card when you purchase regular American Express Travellers
    for more details, including policy limitations and exclusions.        Cheques† at any CIBC branch in Canada.
    F L I G H T D E L AY A N D B A G G A G E I N S U R A N C E 1 4
                                                                          Note: if you would like information on exchange rates,
                                                                          call CIBC at 1-800-465-CIBC (2422).
    Travel delays? Breathe easy. Purchase any scheduled flight
    with your CIBC Aerogold Visa Infinite Card and receive up              C A R R E N TA L D I S C O U N T S
    to $500 (CDN) coverage for reasonable and necessary hotel,            Take advantage of additional savings. As a CIBC Aerogold
    motel or restaurant expenses, up to $100 (CDN) for ground             Visa Infinite Cardholder, you can save up to 25% at participating
    transportation and up to $100 (CDN) for entertainment expenses        AVIS®4 locations and at participating Budget®5 locations in
    when you are delayed boarding for more than four hours. Your          Canada and the U.S. when you pay with your CIBC Aerogold
    insurance also includes up to $500 (CDN) for immediate daily                            15
                                                                          Visa Infinite Card. AVIS reservations may be made online at
    necessary and reasonable emergency purchases for essential            www.avis.ca/cibc or by calling 1-800-TRY AVIS (879-2847).
    clothing and sundry items when your baggage on your outbound          Please quote AVIS worldwide discount number C277500.
    trip is delayed more than six hours.                                  Budget Reservations may be made online at www.budget.ca/cibc
    Purchases may be made during the baggage delay period, but            or by calling 1-800-268-8900. Please quote Budget Corporate
    must be made within four days of the occurrence. Plus, your           Discount number #A748700.
    insurance includes up to $500 (CDN) for the loss or damage of
    your checked baggage. Baggage Insurance is “excess insurance”         Financial Benefits
    and covers you only to the extent your claim exceeds the
                                                                          A C C E S S T O C A S H A D VA N C E S
    coverage of other insurance or indemnity available to you. For
    information or to make a claim please call 1-866-363-3338 or          Access to cash, wherever and whenever you need it. You
    call collect 905-403-3338.                                            have instant access to up to $1,000 daily with your CIBC Visa
                                                                          Card, subject to your available credit and your available cash, at
    Please refer to the enclosed Insurance Certificate for
                                                                          any CIBC Instant Teller®1 Machine or any of the nearly one million
    more details, including policy limitations and exclusions.
                                                                          bank machines displaying the Visa, Interac ®6 or Plus™ System
                                                                                  16
    T R I P I N T E R R U P T I O N I N S U R A N C E 14                  symbols. All you need is your card and your PIN. If you wish, you
                                                                                                                                         17
    Enjoy coverage for eligible out-of-pocket expenses when               can even change your PIN at any CIBC Instant Teller Machine.
    travelling by charging your trip to your Visa Card. As the            ADDITIONAL CARDS
    Primary Cardholder of the CIBC Aerogold Visa Infinite Card, you,
                                                                          Organize your household spending like never before and
    your spouse, your dependent children and one or two travelling
                                                                          earn Aeroplan Miles while doing it. As a CIBC Aerogold
    companions automatically have trip interruption coverage while
                                                                          Visa Infinite Cardholder, you can request up to three additional
    travelling for trips charged to your CIBC Aerogold Visa Infinite
                                                                          pre-approved cards for only $50 each annually. Give them to
    Card. Trip Interruption Insurance on your CIBC Aerogold Visa
                                                                          your spouse, other family members, or anyone else you wish
    Infinite Card provides coverage for eligible trip expensesF charged
                                        R
                                                                          and maximize the opportunities to earn Aeroplan Miles. At
    to your card such as fares or accommodations when sickness,
                                                                          the end of each month, all charges will appear on the Primary
    injury or death of a covered person or family member disrupts
                                                                          Cardholder’s monthly statement, which means you’ll only have
    travel plans while travelling. For information or to make a claim
                                                                          one payment to make. Even better, with CIBC CreditSmart
    please call 1-866-363-3338 or call collect 905-403-3338. Before
                                                                          features you’ll be able to view all the card purchases organized
    you travel, refer to your Certificate of Insurance for full details,
                                                                          into spend categories, set budgets and more. To inquire about
    including policy limitations and exclusions.
                                                                          requesting additional cards, call 1-800-465-4653.
    C O M M O N C A R R I E R A C C I D E N T I N S U R A N C E 14                                            symbol, wave your CIBC Visa
                                                                          A U T O PAY S E R V I C E
    Travel with your mind at ease. Flying or travelling by ferry,         C
                                                                          Staying on top of your payments is now even easier. Sign
    train or bus? Simply charge your fare to your CIBC Aerogold
                                                                          up for CIBC Auto Pay Service – an automatic service that debits
    Visa Infinite Card and you, as the Primary Cardholder, and
                                                                          your card payment from your chosen bank account – and take
    your spouse and dependent children are automatically
                                                                          paying your CIBC Visa bill off your list of things to do.
    covered with up to five hundred thousand dollars ($500,000)
    Common Carrier Accident Insurance. For information, please            Choose to pay either the minimum payment or the total new
    call 1-866-363-3338 or call collect 905-403-3338. Please              balance on the payment due date for each month. If you choose
    refer to the enclosed Insurance Certificate for more details,          the minimum payment, and your balance exceeds your credit
    including policy limitations and exclusions.                          limit on a statement date, on the payment due date we will also
8                                                                         debit from your bank account the amount by which your balance 9
     exceeded your credit limit. To request an Auto Pay Service                w
                                                                               A lost or stolen CIBC Visa Card should be reported
     Authorization Form, call 1-800-465-4653.                                  immediately by calling 1-800-663-4575.
     FREE PERSONALIZED CONVENIENCE CHEQUES                                     Remember, you can also receive an emergency cash advance of
     Simplify your everyday spending. Want to transfer higher-                 up to $5,000, subject to your available credit and your available
     rate balances, consolidate bills, or make purchases in places that        cash, if your card is lost or stolen.16
     don’t otherwise accept Visa Cards? It’s simple, with Convenience
                                                                               KEEP YOUR BENEFITS GUIDE
     Cheques. Write them like any other cheque to a person, business
     or to pay off a non-CIBC credit card and the amount will appear           It’s a good idea to keep Your Benefits Guide for future
     on your CIBC Visa Statement, without being charged a fee.18               reference. You never know when you may need important
     Convenience Cheques are subject to your available credit and              information or phone numbers for your CIBC Aerogold
     available cash. Call 1-800-465-4653 to order your free supply of          Visa Infinite Card.
     personalized Convenience Cheques.                                         1 The CIBC Visa Infinite Travel Concierge Service is operated by an independent
                                                                                 travel service agency, Merit Travel Group Inc. Registration Numbers: Ontario
     CARD REPLACEMENT AND UP TO $5,000 IN EMERGENCY                              #50010422, BC #33127/34798/34799 and Quebec #7002238.
     C A S H A D VA N C E S                                                    2 Cardholders are responsible for the cost of any goods or services purchased,
                                                                                 or arranged on their behalf, by the Concierge. This service is provided through
     Simple services to ease your mind. The last thing you                       Visa Canada.
     fi                                                                         3 Additional purchasing power over your credit limit does not mean unlimited
     should worry about, whether you’re travelling or at home, is              r spending. Each transaction is assessed on various factors including your
     your credit card. That’s why, if your card is lost or stolen, or if you     payment history and spending patterns so as to determine your additional
                                                                                 purchasing power over your credit limit, if any. Since you must repay any
     suspect someone is using your card or the card number, all you            V amount over your credit limit by your payment due date, your borrowing
     p
     have to do is contact a CIBC branch, CIBC Telephone Banking                 capacity is not increased and remains at your credit limit.
                                                                               4 Aeroplan Miles are earned on card purchases less returns, and not on cash
     or CIBC Credit Card Services as soon as possible. We’ll then                advances, regular Aerogold Cheques, fees, interest, Balance Transfers or
     take the steps necessary to recover your card for you, including            payments. All terms and conditions of the Aeroplan Program apply. In addition,
                                                                                 Aeroplan Miles will be awarded only if your CIBC Aerogold Visa Infinite Account
     reporting your lost or stolen card to the appropriate authorities.          is in Good Standing on each monthly statement date (otherwise, Miles are
                                                                                 cancelled); also, if your Visa account is not in Good Standing, Aeroplan Miles
                                                                                 may not be awarded and/or previously awarded Aeroplan Miles may be removed
                                                                                 from your Aeroplan Account. Taxes, landing and departure fees and other
                                                                                 charges and surcharges may apply to Aeroplan reward travel. Aeroplan partners,
                                                                                  E
                                                                                 rules and regulations are subject to change without notice and may be found at
                                                                                 www.aeroplan.com.
                                                                               5 This offer is only available on the CIBC Aerogold Visa Card and CIBC Aerogold
                                                                                 Visa Infinite Card. The 50% more offer applies only to card purchases (less
                                                                                 returns) at merchants which are classified in the Visa 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 classified 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 per card 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.
                                                                               6 Number of Aeroplan Miles earned depends on the fare option purchased;
                                                                                 some conditions apply. Visit aeroplan.com for more details.
                                                                               7 CIBC Bonus Rewards apply only if the CIBC Aerogold Visa Infinite Card is used
                                                                                 for payment at participating establishments. Some restrictions may apply. Please
                                                                                 visit www.cibcexclusiveoffers.com for full Terms and Conditions. The number
                                                                                 of restaurants offering triple Aeroplan Miles will vary from time to time.




10                                                                                                                                                                  11
                                                                                                  Important Phone Numbers
           A purchase may be required or other limitations may apply, so please ask for           CIBC CREDIT CARD SERVICES
           details. CIBC Bonus Rewards cannot be combined with other promotional offers           For current Hours of Business, please visit                www.cibc.com
           and may not be valid with certain discounts or offers. Terms, conditions and
           participating merchants may change without notice. This program is owned and           In Canada and the U.S.                                   1-800-465-4653
           operated by Advantex Marketing International Inc.
     8     Aeroplan rules require at least one accumulation or redemption transaction every
                                                                                                  c
                                                                                                  Elsewhere                                                  514-861-4653
           12 months in an Aeroplan Account or the Aeroplan Miles will expire. CIBC has                 Telecommunications Device for the Deaf
           ensured that this doesn’t happen to the one Aeroplan Account which is connected              (TDD) (in North America)                           1-877-331-3338
           to a CIBC Aerogold Visa, Aerogold Visa Infinite, Aerogold Visa Card for Business
           or Aero Classic Visa Account and which receives all Aeroplan Miles earned by all             CIBC LOST OR STOLEN CARD
           cardholders on that Visa/Visa Infinite Account, provided the account is in good
           standing. However; Aeroplan Miles will expire unless redeemed within 7 years           REPLACEMENT AND EMERGENCY ASSISTANCE
           from when they were earned (or on December 31, 2013, for miles earned before           In Canada and the U.S.                                   1-800-663-4575
           2007). See aeroplan.com for details.
     9     Unless you provided us with another person’s Aeroplan Number when you applied          Elsewhere                                                  514-861-9898
           for your card, in which case all Aeroplan Miles earned on your CIBC Aerogold           Emergency Assistance
           Visa Account will be credited to that person’s Aeroplan Account. Only Aeroplan
           Members can earn Aeroplan Miles on flights and at Aeroplan Partners.                    In Canada and the U.S.                                   1-800-814-7442
     10    Some conditions apply. Please refer to aeroplan.com for details.                       Elsewhere                                                  416-784-5357
     11    Applies to any available seat in Economy and Executive Class/Executive First
           on Air Canada and Air Canada Express flights; additional miles may be required.         VISA LOST OR STOLEN CARD
           See aeroplan.com for details.                                                          REPLACEMENT AND EMERGENCY ASSISTANCE
     12    This service is provided by Equifax Canada, a leading credit bureau in Canada.         (available outside of Canada)
     13    Transactions must first be posted to your account before they can trigger a
           CIBC CreditSmart spend alert. It may then take up to 24 hours after a triggering       United States                                             1-800-Visa-911
           transaction is posted for an alert to be sent.                                         Elsewhere                                                  410-581-9994
     14    Insurance coverage(s) included with CIBC credit cards are underwritten by
           Royal & Sun Alliance Insurance Company of Canada (RSA). Different cards will           OTHER SERVICES
           have different coverage(s). To learn about included insurance(s), and important
           information regarding coverage eligibility requirements, benefits, limitations and      CIBC Visa Infinite Travel Concierge Service
           exclusions, see www.cibc.com/ca/credit-card/agreements-insurance.html and the          In Canada and the U.S.                                   1-866-748-5205
           insurance certificate(s) in your card package. Some insurance(s) require purchases,
           auto rentals, common carrier fares and other trip costs to be charged to the card      Elsewhere (call collect)                                   905-890-7326
           to activate coverage (other conditions may also apply). Auto Rental Collision/         CIBC Visa Infinite Personal Concierge
           Loss Damage Insurance (CLDI) is for rentals up to 48 days; and the rental must
           be charged to the card and the rental agency’s Collision Damage Waiver (CDW)           In Canada and the U.S.                                   1-888-853-4458
           or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to
           the actual cash value (ACV) of the rental vehicle as defined in your insurance          Out-of-Province Travel Medical Insurance
                                                                                                  I
           certificate. Note that some car rental companies may assess their damages at an         In Canada and the U.S. (incl. Hawaii)                    1-877-350-6970
           amount greater than the ACV of the rental vehicle and you may be liable to the         Elsewhere (call collect)                                   905-816-2571
           car rental company for the difference. Therefore, before declining the car rental
           company’s CDW or LDW, you should read carefully and compare the terms of the           CIBC Visa Auto Rental Collision/Loss
           car rental agreement, the CLDI insurance certificate in your card package and any
           other insurance you own to decide which coverage best meets your protection            Damage Insurance
           needs. Certain RSA coverages are “excess insurance” (all other sources of              In Canada and the U.S.                                   1-866-363-3338
           insurance and recovery must be exhausted before benefits are available). For more       Elsewhere (call collect)                                   905-403-3338
           information, call RSA toll-free at 1-866-363-3338 in Canada, continental U.S. and
           Hawaii or collect from elsewhere at 905-403-3338.                                      Flight Delay and Baggage Insurance
     15    Savings between 5-25% are available off lowest available discountable rate on
           qualifying rentals. Must quote AWD # C277500 or BCD # A748700 at time                  In Canada and the U.S.                                   1-866-363-3338
           of reservation at participating Avis locations worldwide or Budget locations in        Elsewhere (call collect)                                   905-403-3338
           Canada and the U.S. and charge the rental to your CIBC Credit Card. (Quebec
           residents may obtain the discount without using their card, provided they              r Interruption Insurance
                                                                                                  Trip
           show the card when paying by an alternative acceptable payment option). The            In Canada and the U.S.                                   1-866-363-3338
           discount received depends on fleet availability, location, type of vehicle rented and
           seasonality. Discounts apply to time and kilometre/mileage charges only. Standard      Elsewhere (call collect)                                   905-403-3338
           rental conditions apply.                                                               Common Carrier Accident Insurance
     16    Cash advances do not earn Aeroplan Miles. Interest applies from the date
           advances are taken.                                                                    In Canada and the U.S.                                   1-866-363-3338
     17    All cardholders (primary and authorized users) on the account will receive a PIN.      Elsewhere (call collect)                                   905-403-3338
     18    Convenience Cheques bear interest from the date they are posted to your CIBC           AVIS Worldwide Reservations                              1-800-879-2847
           Aerogold Visa Infinite Account. Convenience Cheques are subject to your available
           credit and your available cash. Convenience Cheques cannot be used for payments        Budget®5 Reservations                                    1-800-268-8900
           on or Balance Transfers from other CIBC credit cards, personal lines of credit
           or other loans or mortgages. Convenience Cheques cannot be certified and you            IMPORTANT WEBSITES
           cannot dispute a transaction for which you have used a Convenience Cheque.             CIBC                                                       www.cibc.com
           Convenience Cheques do not earn Aeroplan Miles.
                                      ”
           “CIBC For what matters. is a trademark of CIBC.                                        CIBC CreditSmart                              www.cibccreditsmart.com
     TM1
           Trademark of CIBC.                                                                     CIBC Visa Infinite                          www.cibcexclusiveoffers.com
     TM2
           Air Canada Express is a trademark of Air Canada.                                       CIBC Visa Bonus Rewards                     www.cibcbonusrewards.com
     TM3
           Star Alliance is a registered trademark of the Star Alliance Members.                  Aeroplan                                                    aeroplan.com
     ®     Aerogold and Aeroplan are registered trademarks of Aeroplan Canada Inc.;
           CIBC Authorized Licensee of Marks.                                                     Air Canada                                          www.aircanada.com
     ®1    Registered trademark of CIBC.                                                          Visa payWave                                    www.cibc.com/paywave
     ®2    Air Canada Super Elite, Air Canada Elite, Executive First, Executive Class and
           Air Canada Prestige are registered trademarks of Air Canada, used under licence.       AEROPLAN CONTACT CENTRES
     ®3    ClassicPlus Flight and Classic Flight are registered trademarks of Aeroplan            If you have any questions about Aeroplan, call the Aeroplan Contact
           Canada Inc.
     ®4    Avis is a registered trademark licensed to Aviscar, Inc. for use in Canada.
                                                                                                  Centre between 7 a.m. and 11 p.m. (North America) seven days a
     ®5    Budget is a registered trademark licensed to Budgetcar Inc. for use in Canada.         week. Or please call your local Air Canada sales office. Refer to
     ®6    Trademark of Interac Inc. CIBC authorized user of the trademark.                       aeroplan.com for more details:
     †     American Express Travellers Cheques is a registered trademark of American Express
           Company; used under license from American Express Company.                             Canada, U.S., Antigua, the Bahamas, Barbados,
           All information is valid at the time of printing and is subject to change              Bermuda, the Cayman Islands, Jamaica and Trinidad 1-800-361-5373
           without notice.
                                                                                                  Hong Kong                                               (852) 2521-2138
                                                                                                  U.K.                                                      0871-220-7777
12
                                                                                                  Montreal and all other areas                               514-395-0300
         Make the most of your
    CIBC Aerogold Visa Infinite Card.

Visit www.cibcexclusiveoffers.com today.




                                        AGIEN

				
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