CIBC AEROGOLD VISA INFINITE PRIVILEGE * C A R D ACCELERATED REWARDS. ELEVATED BENEFITS.

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1 CIBC AEROGOLD VISA INFINITE PRIVILEGE * C A R D ACCELERATED REWARDS. ELEVATED BENEFITS.

2 The world is a book and those who do not travel read only one page. ST. AUGUSTINE EARN AEROPLAN MILES 06 ELITE TRAVEL BENEFITS AIR CANADA BENEFITS VISA INFINITE PRIVILEGE EXPERIENCES 13 DISCOVER THE DISTINCTION PROGRAM 13 EASY REWARDS REDEMPTION 14 INSURANCE COVERAGE 18 WAYS TO PAY 20 WAYS TO BANK 22 FINANCIAL MANAGEMENT TOOLS 24 CONTACT US

3 02 One s destination is never a place, but a new way of seeing the world. HENRY MILLER

4 CONGRATULATIONS. Welcome to a credit card experience like no other. The CIBC Aerogold Visa Infinite Privilege Card is designed to enhance all your journeys in life, taking you further than ever before. Your portfolio of premium benefits includes the ability to earn Aeroplan Miles whenever you make a purchase with your card. And that s just the beginning. From exclusive luxurious global travel and hotel opportunities, to pampering service, perks and peace of mind at every turn, this card is your VIP passport to a truly exceptional experience at home and around the world. We are confident that your decision to become a CIBC Aerogold Visa Infinite Privilege cardholder will prove to be a very rewarding one. Be sure to start taking advantage of all the exclusive benefits it has to offer you, today. And enrich all your life s journeys, every step of the way.

5 04 MANY OPPORTUNITIES TO EARN ARE AVAILABLE TO YOU. We want to get you closer to reaching your dreams. Which is why the CIBC Aerogold Visa Infinite Privilege Card has the potential to earn you more Aeroplan Miles in a variety of ways.

6 ACCELERATE YOUR EARNINGS Earn 1.25 Aeroplan Miles for every $1 spent using your card 1 With our Mileage Multiplier feature, watch the miles add up even faster Earn 1.5 Aeroplan Miles for every $1 spent at gas stations, grocery, drug stores and Air Canada purchases (excluding Air Canada Vacation packages) 2 When you use your card at participating CIBC Bonus Rewards merchants: 3 Earn 2.5 Aeroplan Miles for every $1 spent when you dine, shop or play at hundreds of CIBC Bonus Rewards merchants across Canada Earn 3.75 Aeroplan Miles for every $1 spent at selected leading restaurants across Canada For more information and to access a complete listing of participating CIBC Bonus Rewards merchants, visit Earn Miles twice when you pay with your CIBC Aerogold Visa Infinite Privilege Card and show your Aeroplan Membership Card at over 150 Aeroplan partners and 100 online retailers and when you fly with Air Canada and its Star Alliance partners. Earning twice helps you be rewarded sooner. 4 + AEROPLAN MILES WILL NOT EXPIRE 5 Aeroplan Miles will not expire as long as you are a CIBC Aerogold Visa Infinite Privilege cardholder, so they re available when you re ready to travel. ENJOY THE PURCHASING POWER YOU ARE ENTITLED TO 6 The CIBC Aerogold Visa Infinite Privilege Card provides greater flexibility by giving you additional purchasing power over your credit limit with no over-limit fee, allowing you to earn even more rewards. 05

7 06 TAKING TRAVEL TO A N O T H E R LEVEL. It s not just about the destination, it s about the journey. So we want to make that journey as rewarding as possible by offering you additional benefits that allow you to travel with ease and in style. Because we believe our CIBC Aerogold Visa Infinite Privilege cardholders deserve only the very best. AIR CANADA GOES THE EXTRA MILE FOR YOU 7,8 VIP airport services with priority check-in and priority boarding 9 You (the primary cardholder) and your companion travelling together on the same reservation on flights operated by Air Canada, Air Canada rouge or under the Air Canada express banner can enjoy the convenience of priority check-in and priority boarding. Where boarding by zone is available, your priority boarding benefit will upgrade you to Zone 2. Benefit applies when you include your Aeroplan number on your reservation at time of booking or by booking your flight by redeeming the miles from your Aeroplan account. Complimentary first checked bag 10 As the primary cardholder, you'll receive one complimentary first checked bag, up to 23 kg (50 lbs), when travelling on a flight operated by Air Canada, Air Canada rouge or under the Air Canada express banner. Benefit applies when you include your Aeroplan number on your reservation at time of booking or book your flight by redeeming the miles from your Aeroplan account. Annual One-Time Guest Access Benefit to an Air Canada Maple Leaf Lounge 11 Relax in the Air Canada Maple Leaf Lounge. As the primary cardholder, you'll receive four (4) Maple Leaf Lounge One-Time Guest Access Benefits every calendar year (January 1 December 31). You ll enjoy access to the Air Canada Maple Leaf Lounge, where available, when you present your CIBC Aerogold Visa Infinite Privilege Card and a valid, same-day boarding pass for travel using an Aeroplan Flight Reward on a flight operated by Air Canada, Air Canada rouge or under the Air Canada express banner. Benefit only applies when you book your Aeroplan Flight Reward by redeeming the miles from your Aeroplan account. 50% Discount on a Companion Ticket 12 Upon the purchase of two (2) eligible Business Class (Flexible) fares (classes C and J only) from Air Canada for the primary cardholder and a companion on tickets entirely operated by Air Canada or under the Air Canada express banner, you (the primary cardholder) will be eligible for a 50% discount on the companion ticket once every calendar year using that year s promotional code.

8 CIBC AEROGOLD VISA INFINITE * PRIVILEGE CARD, AT YOUR SERVICE. 13 Gain access to the privileged lifestyle you re entitled to as a CIBC Aerogold Visa Infinite Privilege cardholder. Simply create your Visa Infinite Privilege profile at visainfinite.ca/privilege. From there, begin taking advantage of a rich portfolio of exclusive benefits such as 24-hour access to the Concierge, invitations to fine dining and entertainment events, and luxury hotel offers. Explore the incredible possibilities available to you on the Infinite List an exclusive world of rare and valuable travel, culinary, shopping and adventure experiences. Create your own personal preferences and tailor the site to your needs, plus sign up to receive updates on the latest news, offers, benefits and more. Register now at to enjoy all these exclusive benefits. A CONCIERGE AT YOUR BECK AND CALL 14 Twenty-four hours a day, 7 days a week, from virtually anywhere in the world, you now have access to the Visa Infinite Privilege Concierge service. So you can get the most from life whenever you travel, shop and use your card. Consider the Concierge your own personal assistant, able to offer expert insights and helpful advice on everything from travel bookings and tickets to restaurant recommendations, and much more. To contact the Visa Infinite Privilege Concierge, call toll-free (from Canada and the U.S.) or call collect (from outside of Canada and U.S.). 07

9 08 ELEVATE YOUR TRAVEL EXPERIENCE WITH VISA INFINITE PRIVILEGE Turn even ordinary journeys into something extraordinary with your Visa Infinite Privilege Card. Take advantage of a host of travel-enhancement benefits, from airport lounge access to a dedicated VIP security fast track lane. For details, visit visainfinite.ca/privilege Global Airport Lounge Access Program 15 Relax, re-charge and re-connect prior to your departure. The Global Airport Lounge Access Program offers you complimentary membership plus six (6) complimentary visits every year to your choice of over 600 airport lounges worldwide. Simply enroll through the Visa Infinite Privilege website or through the Visa Infinite Privilege Concierge and present your valid membership number at the lounge. So your first-class experience begins even before takeoff. For a full list of participating airport lounges and to enroll before you travel, visit visainfinite.ca/privilege Get VIP fast track security lane access and bypass the line at select airports 16 Simply present your CIBC Aerogold Visa Infinite Privilege Card, along with your boarding pass, to security personnel at Montreal-Trudeau, Vancouver and Ottawa International Airports in Canada.

10 Treat your vehicle like a VIP 16 Gain convenient access to dedicated parking spots at Vancouver International Airport and Ottawa International Airport when you use your CIBC Aerogold Visa Infinite Privilege Card. Plus receive exclusive parking discounts: 10% off at Montréal-Trudeau International Airport, 20% off at Vancouver International Airport and 15% off at Ottawa International Airport. Visa Infinite * Luxury Hotel Collection 17 Take off without leaving luxury behind. Select a hotel from the Luxury Hotel Collection portfolio of over 900 intriguing and prestigious properties around the world. When you use your CIBC Aerogold Visa Infinite Privilege Card you will enjoy the following exclusive benefits: Best Available Rate Guarantee Automatic room upgrade upon arrival, when available 3 p.m. check-out, when available Complimentary continental breakfast Free in-room Internet $25 food or beverage voucher VIP guest status Fairmont President's Club Elevated Status 18 Enjoy the option of enrolling in, or upgrading to, elevated membership in Fairmont President s Club. Arrive (and depart) in style 19 We believe the convenience and comfort of travelling first class should go beyond your flight. Book through the Visa Infinite Privilege Concierge and save 20% on global airport limousine services. For more information visit visainfinite.ca/privilege ENJOY ELITE DISCOUNTS ON CAR RENTALS 20 Get access to car rental discount rates at participating Avis and Budget locations when you use your CIBC Aerogold Visa Infinite Privilege Card. 09

11 Visa Infinite * Dining Series 21 Attend exclusive fine dining events across Canada surrounded by food aficionados, hosted by top chefs all designed to dazzle and delight the most refined tastes. Visa Infinite * Culinary Escapes Program 22 Find your place at the table of notable dining establishments in some of North America s most celebrated food destinations. Visa Infinite * Canada and Global Wine Country Program Enjoy deliciously unique experiences, such as access to exclusive dining events featuring Canada s leading chefs at more than 60 participating British Columbia and Ontario wineries. Plus, even more exciting benefits await you onsite when you show your Visa Infinite Privilege Card, including discounts on wine purchases, complimentary tastings, exclusive vineyard tours, and so much more. Global Wine Country Program 24 PHENOMENAL FOOD & WINE EXPERIENCES Enjoy exclusive experiences and events, created specifically to appeal to your discriminating tastes in fine dining and wines. For you and your guests, your table is waiting. You can also immerse yourself in the luxury of distinctly different winery experiences in some of the world s most famous and beautiful winemaking regions. Simply show your CIBC Aerogold Visa Infinite Privilege Card to receive onsite benefits like complimentary wine tastings. Or use your card to book in advance for reserve tastings at top winery destinations, private tastings, exclusive tours, winemaking workshops and more.

12 11 VISA INFINITE * MUSIC SERIES 25 The CIBC Aerogold Visa Infinite Privilege Card offers exclusive access to some of Canada s most sought-after entertainment and special events including the celebrated Visa Infinite Music Series. Best of all, tickets purchased through the Visa Infinite Privilege website with your Visa Infinite Privilege Card can provide entry to special backstage meet-and-greets, post-show parties, private festival screenings, VIP lounge facilities and more. PRIVILEGED PLAY GOLF PROGRAM TEE OFF ON YOUR TERMS 26 Perfect your swing with rounds of golf at participating premier clubs in your area. Enjoy VIP treatment at over 200 select courses in Canada and the U.S. To receive your complimentary Privileged Play membership (available while supplies last) visit the Visa Infinite Privilege website.

13 EXPLORE. REDEEM. DISCOVER REWARDS. REWARD YOURSELF WITH MORE THAN TRAVEL Now, you can redeem your Aeroplan Miles for more rewards than ever before! Use your miles for unforgettable experiences that take you around the world, whether you want to escape from it all with car rental and hotel rewards, or with cruises and vacation packages to sunny destinations. Or redeem and take advantage of a wide variety of gift cards, brand name merchandise including luggage, electronics, home décor, toys, tools and much more! 12 Not all those who wander are lost. J.R.R. TOLKIEN

14 DISCOVER ALL THE REWARDS COMING YOUR WAY Aim for Distinction Distinction TM is Aeroplan s recognition program that rewards top accumulating members. Every dollar you spend on your CIBC Aerogold Visa Infinite Privilege Card brings you closer to qualifying for Distinction so you can enjoy a range of Distinction benefits such as exclusive flight rewards, bonus mile offers and privileges. Visit distinction.aeroplan.com for details. THREE LEVELS OF QUALIFICATION Go as far as you wish with your Aeroplan Miles Fly with Air Canada and the Star Alliance partners to over 1,200 destinations in more than 190 countries. CHOOSE YOUR DESTINATION Short-haul flight within Canada and continental U.S. REDEEM YOUR AEROPLAN MILES FOR A ROUND-TRIP* FIXED MILEAGE FLIGHT REWARDS Economy 15,000 Business 25,000 First Earn 25,000 eligible Aeroplan Miles per calendar year Long-haul flight within Canada and continental U.S. 25,000 50,000 70, Earn 50,000 eligible Aeroplan Miles per calendar year Between Canada / continental U.S. and Europe 1, 2 60,000/ 75,000 90,000/ 105, ,000/ 145,000 Earn 100,000 eligible Aeroplan Miles per calendar year * You can also redeem for one-way flights at 50% of the miles needed for a round-trip Fixed Mileage Flight Rewards. The above chart reflects flight rewards as of January 1, 2014 and is subject to change at any time. For complete information, visit aeroplan.com/flightrewards For more information on how to redeem your Aeroplan Miles, visit aeroplan.com/useyourmiles or call the Aeroplan Contact Centre at

15 RELAX. YOUR CARD HAS YOU COMPREHENSIVELY COVERED. Your CIBC Aerogold Visa Infinite Privilege Card comes with generous insurance benefits for nearly every circumstance, so you'll have peace of mind knowing you and your family are protected while travelling. Review the coverage available to you before departure. 14 OUT-OF-PROVINCE EMERGENCY TRAVEL MEDICAL INSURANCE 27 You, your spouse and your dependent children are automatically insured for eligible emergency medical for up to $5 million per insured person whenever you leave the country or your province of residence for the first 31 days of a trip if the covered person is age 64 or under, or for the first 10 days of the trip if the covered person is age 65 or over you don t even have to charge your trip to the card. If you are travelling for more than 31 days in length if you are age 64 or under, or for more than 10 days if you are age 65 or over, you must purchase coverage separately for the balance of your trip. For emergency assistance, claims, or pre-trip information call if you are in Canada or the Continental U.S.A., including Hawaii. From all other locations, including Mexico, call collect at The cardholder must call Global Excel Management Inc. prior to receiving treatment otherwise your claim may not be covered. The information provided in this section is intended as general information only. Please refer to the enclosed Insurance Certificate for the specific terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. A pre-existing condition exclusion may apply to medical conditions and/or symptoms that existed prior to your trip and/or date of purchase refer to your Insurance Certificate for details. TRIP CANCELLATION/ TRIP INTERRUPTION INSURANCE 27 As the primary cardholder of the CIBC Aerogold Visa Infinite Privilege Card, you, your spouse and your dependent children automatically have Trip Cancellation/Trip Interruption coverage for trips charged to your CIBC Aerogold Visa Infinite Privilege Card. You can enjoy coverage for up to $2,500 of eligible trip cancellation expenses

16 per insured person, up to a maximum of $10,000 for all insured persons on the same trip if an illness, injury or other insured risk prevents you from starting your trip. As well, if your trip is interrupted due to an illness, injury or other insured risk, you ll be covered for up to $5,000 per insured person for eligible trip expenses, up to a maximum of $25,000 for all insured persons on the same trip. Both coverages are available simply by charging your trip to your CIBC Aerogold Visa Infinite Privilege Card. Trip Cancellation/ Trip Interruption Insurance is excess insurance meaning all other sources of recovery, indemnity or insurance coverage must be exhausted before this insurance pays any benefits to you. For information or to make a claim please call toll-free (in Canada and Continental U.S.A., including Hawaii). From all other locations, including Mexico, call collect The cardholder must call Royal & Sun Alliance Insurance Company of Canada (RSA) on the day the insured risk occurs or as soon as reasonably possible to advise RSA of the cancellation, interruption or delay. The information provided in this section is intended as general information only. Before you travel, please refer to the enclosed Insurance Certificate for the specific terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. A pre-existing condition exclusion may apply to medical conditions and/or symptoms that existed prior to your trip and/or date of purchase refer to your Insurance Certificate for details. FLIGHT DELAY AND BAGGAGE INSURANCE 27 Charge your scheduled flight to your CIBC Aerogold Visa Infinite Privilege Card and receive coverage up to $500 per insured person, up to an aggregate limit of $1,000 for reasonable and necessary expenses for meals and accommodations, up to $100 for ground transportation and up to $100 for entertainment expenses when your flight is delayed for more than four hours. Your insurance also includes up to $500 per insured person, up to an aggregate limit of $1,000, for emergency purchases for essential clothing and personal hygiene articles when your baggage on your outbound trip is delayed more than six hours. Purchases may be made during a baggage delay period, but must be made within four days of occurrence. Plus, your insurance includes up to $1,000 per insured person ($2,500 aggregate limit) for loss or damage of your checked baggage. Flight Delay and Baggage Insurance is excess insurance meaning all other sources of recovery, indemnity or insurance coverage must be exhausted before this insurance pays any benefits to you. For information or to make a claim please call toll-free (in Canada and Continental U.S.A., including Hawaii). From all other locations, including Mexico, call collect

17 16 The information provided in this section is intended as general information only. Before you travel, please refer to the enclosed Insurance Certificate for the specific terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. AUTO RENTAL COLLISION/ LOSS DAMAGE INSURANCE 27 As a CIBC Aerogold Visa Infinite Privilege cardholder, you can save up to $25 a day on car rental insurance. Simply charge the full cost of your car rental to your CIBC Aerogold Visa Infinite Privilege Card and decline the rental agency s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). You will be covered by Auto Rental Collision/Loss Damage Insurance up to the actual cash value of the rental vehicle, provided the value of the rental vehicle, in its model year, does not exceed the Manufacturer s Suggested Retail Price (MSRP) of $85,000 and all other conditions of coverage are met refer to your Insurance Certificate for details. For information or to make a claim please call toll-free (in Canada and Continental U.S.A., including Hawaii). From all other locations, including Mexico, call collect The information provided in this section is intended as general information only. Before you rent a car or decline the rental agency s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW), please refer to the enclosed Insurance Certificate for the specific terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. COMMON CARRIER ACCIDENT INSURANCE 27 Whenever you travel by plane, ferry, train or bus, simply charge your fare to your CIBC Aerogold Visa Infinite Privilege Card and you, as the primary cardholder, and your spouse and dependent children are automatically covered with up to $500,000 Common Carrier Accident Insurance. For information or to make a claim please call toll-free (in Canada and Continental U.S.A., including Hawaii). From all other locations, including Mexico, call collect The information provided in this section is intended as general information only. Please refer to the enclosed Insurance Certificate for the specific terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. PURCHASE SECURITY & EXTENDED PROTECTION INSURANCE 27 Most new items of personal property you purchase with your card will be replaced, repaired, or you will be reimbursed if they are lost, stolen or damaged within 180 days of purchase. Plus, with Extended Protection Insurance, you can actually

18 triple the period of a manufacturer s original warranty up to two years on most purchases. That makes your CIBC Aerogold Visa Infinite Privilege Card ideal for new purchases like electronic equipment and appliances. This is excess insurance meaning all other sources of recovery, indemnity or insurance coverage must be exhausted before this insurance pays any benefits to you. For information or to make a claim please call toll-free (in Canada and Continental U.S.A., including Hawaii). From all other locations, including Mexico, call collect The information provided in this section is intended as general information only. Please refer to the enclosed Insurance Certificate for the specific terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. HOTEL/MOTEL BURGLARY INSURANCE 27 Charge the full cost of your hotel/motel room to your CIBC Aerogold Visa Infinite Privilege Card and if you suffer loss or damage due to burglary in your hotel/ motel room while registered as a guest of a hotel/motel, you may be reimbursed for the damage to or loss of your personal items (excluding cash). The maximum benefit payable under this coverage is $2,500 per occurrence. This is excess insurance meaning all other sources of recovery, indemnity or insurance coverage must be exhausted before this insurance pays any benefits to you. For information or to make a claim please call toll-free (in Canada and Continental U.S.A., including Hawaii). From all other locations, including Mexico, call collect The information provided in this section is intended as general information only. Please refer to the enclosed Insurance Certificate for the specific terms of your coverage, including the benefits, eligibility conditions, limitations and exclusions. 17

19 We wander for distraction, but we travel for fulfillment. HILAIRE BELLOC 18 MAKING PAYMENTS, NO PROBLEM. Another essential feature of your CIBC Aerogold Visa Infinite Privilege Card? Convenience. Your card is equipped with features that ensure payments are fast, secure and simple.

20 VISA PAYWAVE * Available on your Visa paywave enabled CIBC Aerogold Visa Infinite Privilege Card and eligible registered smartphones through the CIBC Mobile Payment App. This no-fee payment feature is a great alternative to using cash for purchases up to $100. Simply look for merchant terminals with the symbol, hold your CIBC Aerogold Visa Infinite Privilege Card or smartphone in front of the merchant terminal and you're on your way. 28 For more information, including where to find Visa paywave accepting merchants, visit CHIP TECHNOLOGY Your CIBC Aerogold Visa Infinite Privilege Card uses chip technology that enhances the security of the magnetic stripe payment system. An embedded microchip encrypts information, making it more difficult for unauthorized users to copy or access card data. Wherever chip technology is available, a PIN (Personal Identification Number) will be required to authorize a transaction, much like a debit transaction. PERSONALIZED CONVENIENCE CHEQUES 29 Transfer higher rate balances, consolidate bills, or make purchases in places that don t otherwise accept credit cards. CIBC Convenience Cheques make it simple. Write them like any other cheque to a person or business, or to pay off a non-cibc credit card and the amount will appear on your statement. COMMISSION-FREE REGULAR AMERICAN EXPRESS TRAVELLERS CHEQUES Enjoy simple savings when you travel. As a CIBC Aerogold Visa Infinite Privilege cardholder, you save the normal 1% commission on regular travellers cheques, and pay a reduced commission rate of 0.75% on dual signature travellers cheques (Cheques for Two ). Simply show your card when you purchase regular American Express Travellers Cheques at any CIBC branch in Canada. For information on exchange rates, call CIBC at CIBC (2422). 19 Visit for more information.

21 20 BANKING MADE E A S Y. When you need to do your banking on the go, automatically, or you require instant access to cash advances, your CIBC Aerogold Visa Infinite Privilege Card makes the process easy. CIBC ONLINE BANKING Get instant access to information on your CIBC Aerogold Visa Infinite Privilege Card any time, day or night with CIBC Online Banking. CIBC estatements With estatements, you can view free electronic copies of your credit card and bank account statements online anytime, and download them to your computer. Signing up for estatements allows you to be notified of account changes, saving paper and reducing clutter in the process. Simply sign on to CIBC Online Banking to get started. AUTO PAY SERVICE Staying on top of your payments is almost effortless when you sign up for CIBC Auto Pay Service an automatic service that debits your CIBC credit card payment from your chosen bank account. Choose to pay either the minimum payment or the total new balance on the due date each month. Keep in mind that if your balance exceeds your credit limit on a statement date, the amount debited from your bank account on the payment due date will include the amount by which your balance exceeded your credit limit. To request an Auto Pay Service Authorization Form, call

22 ACCESS TO CASH ADVANCES 30 You have instant access to up to $1,000 daily with your CIBC Aerogold Visa Infinite Privilege Card, subject to your available cash and available credit, at any CIBC Instant Teller Machine or any of the bank machines displaying the Visa, Interac or Plus System symbols. All you need is your card and PIN. If you wish, you can even change your PIN at any CIBC Instant Teller Machine. CARD REPLACEMENT AND EMERGENCY CASH ADVANCES The last thing you should worry about, whether you re travelling or at home, is your credit card. That s why you have access to an Emergency Replacement Card and up to $5,000 in Emergency Cash Advances. If your card is lost or stolen, or if you suspect someone is using your card or the card number, contact a CIBC branch, CIBC Telephone Banking or CIBC Credit Card Services immediately. We ll take the steps necessary to recover it, including reporting your lost or stolen card to the appropriate authorities. 21 Report a lost or stolen CIBC credit card immediately by calling Remember, you can also receive an emergency cash advance of up to $5,000, subject to your available credit and your available cash.

23 The journey is the reward. UNKNOWN 22 STRESS- F R E E FINANCIAL MANAGEMENT. Your CIBC Aerogold Visa Infinite Privilege Card offers you ways to manage, track and organize your credit card activity. It can also help protect you from fraud. Here are just a few of the benefits designed to give you peace of mind.

24 CIBC CREDITSMART : A SUITE OF SMART CREDIT MANAGEMENT FEATURES 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 Statement: track and manage your monthly and year-to-date spending organized in 10 common spend categories on your statement. 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 file. Spend Alerts: set up alerts through CIBC Online Banking and choose to be notified by phone, or online message when you ve exceeded your customized budget or are nearing your credit limit. 31 Fraud Alerts: set up alerts and choose to be notified as soon as possible about potential unauthorized use of your CIBC Aerogold Visa Infinite Privilege Card through alerts by 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 CIBC Credit Card Services at ADDITIONAL CARDS TO ORGANIZE YOUR HOUSEHOLD SPENDING As a CIBC Aerogold Visa Infinite Privilege primary cardholder, you can receive up to 9 additional cards ($99 annual fee per additional card) for authorized users. Give them to your spouse, other family members, or anyone else you wish and maximize the opportunities to earn Aeroplan Miles. At the end of each statement period, all charges and Aeroplan Miles earned will appear on your monthly statement. Even better, with CIBC CreditSmart features you ll be able to view all the monthly card purchases organized into spend categories, set budgets and more. AUTHORIZED USER SPENDING LIMIT FEATURE, AT NO ADDITIONAL COST 32 You can manage authorized user(s) spending by assigning specific Spending Limits for purchases and Cash to any authorized user(s). This way your authorized user(s) will have access to funds they need while you monitor their spending activity on your account. As the primary cardholder, you can contact us at any time to change Authorized User Spending Limits. With this option, authorized user(s) are able to make purchases and cash transactions each month up to the Spending Limits assigned to them. 23

25 IMPORTANT CONTACT INFORMATION 24 CIBC Credit Card Services For Current Hours of Business, please visit In Canada and the U.S Elsewhere Telecommunications Device for the Deaf (TDD) (in North America) CIBC Lost Or Stolen Card Replacement In Canada and the U.S Elsewhere Emergency Assistance In Canada and the U.S Elsewhere Visa Lost or Stolen Card Replacement and Emergency Assistance (Available Outside Of Canada) United States VISA-911 Elsewhere OTHER SERVICES Visa Infinite Privilege Concierge In Canada and the U.S Elsewhere call collect INSURANCE CONTACT INFORMATION CIBC TRAVEL ASSISTANCE LINE In Canada and Continental U.S.A., (incl. Hawaii) call toll-free From all other locations, including Mexico, call collect IMPORTANT WEBSITES CIBC CIBC CreditSmart CIBC Bonus Rewards CIBC Chip Technology Visa paywave Authorized User Spending Limits Visa Infinite Privilege Aeroplan Air Canada Benefits AEROPLAN CONTACT CENTRES If you have any questions about Aeroplan, call the Aeroplan Contact Centre between 7 a.m. and 11 p.m. (North America) seven days a week. Or please call your local Air Canada sales office. Refer to aeroplan.com for more details: Canada, U.S., Antigua, the Bahamas, Barbados, Bermuda, the Cayman Islands, Jamaica and Trinidad Hong Kong U.K Montreal and all other areas AIR CANADA CUSTOMER SERVICE In Canada and the U.S

26 KEEP YOUR BENEFITS GUIDE It s a good idea to keep your Benefits Guide for future reference. You never know when you may need important information or phone numbers for your CIBC Aerogold Visa Infinite Privilege Card. Privacy Disclosures: In your application you consented to CIBC, from time to time, sharing with Aeroplan certain transaction information (e.g., merchant name, transaction date and amount) for the purposes of marketing and promoting the Aeroplan Program as set out in Aeroplan s privacy policy including combining this information with other information Aeroplan may already have about you to make relevant offers or provide a benefit or privilege to you. The sharing of this information is necessary for you to receive the benefits and features of this partner program therefore you may not withdraw your consent. CIBC may also share with Aeroplan the following additional information: location data of merchants (country, province or state, city and postal code) and cardholder data (your age range, salutation and the number of cardholders on the account) for the same purposes as above. If you do not wish us to share this additional information you may contact CIBC at within Canada or the U.S.A., or if travelling outside of Canada and U.S.A. For more about how Aeroplan may collect, use or share your information or your right to opt out of receiving marketing communications from Aeroplan, please contact Aeroplan directly or go to aeroplan.com. For more information about how CIBC may collect, use or share your personal information, please see CIBC s privacy policy, which is available at any branch or at This policy may be amended, replaced or supplemented from time to time. Trademarks and Disclaimers: 1 Aeroplan Miles are earned on card purchases less returns, and not on cash advances, interest, fees, balance transfers, payments or Convenience Cheques. Taxes, landing and departure fees and other charges may apply to Aeroplan reward travel. Aeroplan Partners, rules and regulations are subject to change without notice. Aeroplan Miles will be awarded only if your CIBC Aerogold Visa Infinite Privilege Account is in good standing on each monthly statement date (otherwise, Aeroplan Miles earned in the monthly statement period are cancelled); also, if your Visa account is not in good standing, Aeroplan Miles may not be awarded. 2 Earn 1.5 Aeroplan Miles on purchases (excluding returns) at merchants that are classified in the Visa network as grocery stores, service stations/automated gas dispensers or drug stores, Air Canada or aircanada.com excluding Air Canada Vacation packages. This bonus Aeroplan Miles offer is only available on the first $100,000 in net annual card purchases on your 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 $100,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change at any time without notice. 3 The number of Bonus Rewards Aeroplan Miles that you may earn is at the sole discretion of the participating CIBC Bonus Rewards partner and may only be earned when you use your card for payment. The CIBC Bonus Rewards Benefit cannot be combined with other promotional offers. CIBC Bonus Rewards terms, conditions and participating merchants may change without notice. For full details and important information regarding the CIBC Bonus Rewards Benefit, please visit 4 CIBC is not responsible for any Aeroplan Miles earned under this feature of the Aeroplan Program. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Visit aeroplan.com for details. 5 Aeroplan requires at least one accumulation or redemption transaction every 12 months in an Aeroplan account or the Aeroplan Miles in that account will expire. CIBC will ensure that this doesn t happen to the one Aeroplan account which is connected to your CIBC Aerogold Visa Infinite Privilege credit card, provided that your credit card account is in good standing. Visit aeroplan.com for the full terms and conditions of the Aeroplan Program. 6 Additional purchasing power over your credit limit does not mean unlimited spending and is itself subject to a limit. The amount of your additional purchasing power over your credit limit is determined based on an assessment of various factors including your payment history and spending patterns. You must repay any amount over your credit limit by your card payment due date. 7 Your CIBC Aerogold Visa Infinite Privilege Card account must be in good standing for you to receive or use cardholder benefits including Air Canada benefits and Visa Infinite Privilege benefits. 8 All Air Canada benefits are fulfilled by Air Canada or its designated affiliates or other third parties, and are subject to change at any time without notice. 25

27 26 9 Air Canada Benefit Eligibility Priority Travel Services: With your CIBC Aerogold Visa Infinite Privilege Card, complimentary first checked bag, priority check-in and priority boarding apply whenever you travel on any flight operated by Air Canada, Air Canada rouge or under the Air Canada express banner. Flights operated by other airlines are not eligible. To access priority check-in and priority boarding, you must include your Aeroplan number on your reservation at time of booking, or redeem your Aeroplan Flight Reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Reward) using Miles from your Aeroplan account. To access these benefits, you must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveller. Where boarding by zone is available, the priority boarding status will be recognized by a Zone 2 descriptor for the primary cardholder and companions travelling on the same reservation checking-in at the same time, which will be displayed on the Air Canada issued boarding pass. Priority check-in may also be extended to companions travelling on the same reservation checking-in at the same time as the primary cardholder. To access priority check-in and priority boarding, the primary cardholder may be required to show their CIBC Aerogold Visa Infinite Privilege Card to the Air Canada agent. Please allow two weeks from receiving your card for these Air Canada benefits to be activated. 10 The complimentary first checked bag, up to 23 kg (50 lbs), applies whenever the primary cardholder travels on any flight operated by Air Canada, Air Canada rouge or under the Air Canada express banner. Flights operated by other airlines are not eligible. To access this benefit, the primary cardholder must include their Aeroplan number on their reservation at time of booking, or redeem their Aeroplan Flight Reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Reward) using Miles from their Aeroplan account, and must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveller. The complimentary first checked bag applies solely to you, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, you may be required to show your CIBC Aerogold Visa Infinite Privilege Card to the Air Canada agent. Please allow two weeks from receiving your card for these Air Canada benefits to be activated. 11 Air Canada Benefit Eligibility Air Canada Maple Leaf Lounge One-Time Guest Access Benefit: With the CIBC Aerogold Visa Infinite Privilege Card, you will receive four (4) Air Canada Maple Leaf Lounge One-Time Guest Access Benefits once every calendar year (January 1 December 31). You may access an Air Canada Maple Leaf Lounge, where available, upon presentation of your CIBC Aerogold Visa Infinite Privilege Card with a valid, same-day boarding pass for travel using an Aeroplan Flight Reward, only on flights operated by Air Canada, Air Canada rouge or under the Air Canada express banner. To access this benefit, you must redeem their Aeroplan Flight Reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) with Miles from your Aeroplan account. Each Air Canada Maple Leaf Lounge One-Time Guest Access Benefit applies for a single entry during the calendar year and cannot be carried forward to the next calendar year. You may share your Guest Passes with other companions travelling on your Aeroplan Flight Reward operated by Air Canada, Air Canada express or Air Canada rouge if you do not wish to use it yourself. Additional conditions apply and are outlined on aircanada.com/cibcbenefits. Air Canada Maple Leaf Lounge access is subject to availability and all other then-current terms and conditions located at aircanada.com/en/travelinfo/airport/maplelounges/tc.html that are subject to change at Air Canada s sole discretion. Please allow two weeks from receiving your Card for these Air Canada benefits to be in effect. 12 Air Canada Benefit Eligibility 50% Discount on Companion Ticket: Upon the purchase from Air Canada of two (2) eligible Business Class (Flexible) fares you (the primary cardholder) and your companion (booking classes J and C only) on tickets entirely operated by Air Canada or under the Air Canada express banner, you will be eligible for a 50% discount on the companion ticket. Flights operated by other airlines, including Air Canada-marketed codeshare flights are not eligible. The 50% discount only applies on the published fare, and will not apply to any additional taxes, fees, charges or surcharges. This offer is available once every calendar year (January 1 December 31) to you (the primary cardholder). You can only access the 50% discount each year when booking online at aircanada.com using that year s promotional code. All travel must be completed by December 31 of the following year. Offer is non-transferable, and the companion Business Class ticket must be booked on the same reservation as the eligible Business Class (Flexible) booking by you (the primary cardholder). Please note that promotional codes apply to undiscounted published fares. Some of our previously discounted fares, while not eligible for the promotion, may be lower than the final price of the undiscounted fare to which the promotion applies. 13 You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege Card to take advantage of the Visa Infinite Privilege benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. Neither Visa nor CIBC is responsible for any claims or damages arising from use of any benefits or services provided by a third party. All benefits and services are subject to complete terms and conditions, including third party suppliers terms and conditions, available through the Visa Infinite Privilege Concierge at , and as set out below. The Visa Infinite Privilege privacy policy, available at applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. The collection, use and disclosure of cardholders personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties own privacy policies. Visa reserves the right to modify or cancel any offers at any time without notice. 14 The goods and services cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge service are provided by various third party service providers unrelated to Visa or CIBC. Neither Visa nor CIBC endorse, review or qualify these service providers. Visa and CIBC make no representations or warranties (either express or implied) about, and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge. Visa and CIBC cannot guarantee the successful fulfillment of your requests in all instances. There is no fee for the Concierge s services, however you are responsible for the cost of any goods or services (including any related fees or costs) you authorize and purchase by the Visa Infinite Privilege Concierge on your behalf.

28 15 Cardholders must enroll for this benefit through the Visa Infinite Privilege website or through the Visa Infinite Privilege Concierge. Six lounge visits are complimentary per membership year for you to use for yourself or your guests. Membership includes access to any airport lounge participating in the Global Airport Lounge Access Program. To access a lounge, you must show a valid membership number. All additional visits beyond the complimentary visits are subject to applicable fee set by lounge access provider. Applicable lounge access charges will be billed to your Aerogold Visa Infinite Privilege Card. To view a full list of participating airport lounges, their facilities, opening times and restrictions cardholders can visit visainfinite.ca/privilege. You are subject to Conditions of Use for Global Airport Lounge Access Program and the individual lounge operators terms of use for the participating lounges visited. Full terms and conditions will be ed to you upon enrollment. Program is subject to change; for up to date information on the Global Airport Lounge Access Program, please visit visainfinite.ca/privilege. 16 Offer is subject to availability. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. For more information please visit The Visa Infinite Privilege Airport Offer is as follows: Montreal-Trudeau International Airport: Dedicated VIP security fast track lane at international, domestic and trans-border checkpoints and valet parking discount of 10%. Vancouver International Airport: Dedicated VIP security FasTrack lane at international, domestic and trans-border checkpoints, valet parking discount of 20%, dedicated Visa Infinite Privilege taxi/limo line and dedicated Visa Infinite Privilege parking spots close to terminal entrance. Ottawa MacDonald-Cartier International Airport Authority: Dedicated VIP Priority Lane access at the domestic/ international security checkpoints, dedicated Visa Infinite Privilege branded parking spots close to terminal entrance and parking discount of 15% in Parkade (including BIZ Park) and P4 lot. 17 For full program terms and conditions and to view the Luxury Hotel Collection portfolio, please visit You must use your CIBC Aerogold Visa Infinite Privilege Card to reserve and pay for your stay at a Luxury Hotel Collection property through the Visa exclusive web portal to enjoy the automatic benefits. 18 For a current list of all Fairmont President s Club membership benefits and privileges, as well as terms and conditions, please visit fairmont.com/fpc/membershipbenefits. You must call the Visa Infinite Privilege Concierge or visit visainfinite.ca/ privilege and provide the information required for enrollment. If you enroll you will receive an automatic upgrade to Fairmont President s Club Premier membership. If you enroll and complete five overnight stays at a Fairmont hotel or resort, paid for with your CIBC Aerogold Visa Infinite Privilege Card between January and December of the calendar year, you will qualify for Platinum membership and you will receive status at the start of the next membership year (March 1st). If you meet the Platinum membership requirements before September 30th you will enjoy Platinum membership for the remainder of the calendar year and into the following membership year, you must qualify each year for Platinum membership; otherwise you will maintain Premier membership (while this offer is in effect). Fairmont President s Club membership is subject to the restrictions, terms and conditions of Fairmont President s Club, which may change without notice. Visa reserves the right to instruct Fairmont Hotels & Resorts to cancel your elevated status gained from this benefit if you cease to be a cardholder. Offer is non-transferable. This offer is subject to Fairmont s Terms and Conditions which are available at Fairmont.com/fpc/terms-and-conditions and privacy policy. The Fairmont Clubs services are provided by Fairmont. 19 Offer is 20% off the base car service rate excluding gratuity, taxes and fees such as tolls, parking, and wait time. You must book through the Visa Infinite Privilege Concierge with your CIBC Aerogold Visa Infinite Privilege Card to take advantage of the offer. Offer is subject to vehicle availability; vehicles include town cars, luxury sedans and specialized vehicles. An automatic gratuity of 20% of the base price before discount will be added to the total cost of each trip. Offer is non-transferable and cannot be combined with any other offer or discount. Each reservation is subject to a cancellation policy that is specified in the LimoLink confirmation for that reservation. If a reservation is cancelled before the cancellations window closes, no charges will apply. If a reservation is cancelled after the cancellation window has closed, full charges will apply. The cancellation window varies depending on the vehicle type, pick-up location, and other factors. Any changes to the reservations after the cancellation window has closed may be subject to additional charges. Wait time will be charged in quarter hour increments. Applicable taxes will be added. Taxes are calculated based on local jurisdictions. This offer is subject to LimoLink s privacy policy located at com/privacy-policy/. The promotional price is applicable to the initial purchase of LimoLink service and any future LimoLink reservations so long as your CIBC Aerogold Visa Infinite Privilege Card remains valid and Visa continues to make the Visa Infinite Privilege LimoLink offer available. The LimoLink services are provided by LimoLink, Inc. 20 Discounts are determined by the participating rental agency and apply to time and kilometre/mileage charges only. 21 You will be informed one week prior to the event in the event of a postponement or cancellation. In the event of a cancellation, you will receive a full refund. Advanced access to the dining series is only available when you book using your CIBC Aerogold Visa Infinite Privilege Card. The appearance by all chefs, sommeliers and bartenders is subject to change without notice. Offer is based on availability and additional terms and conditions may apply. 22 You will be informed one week prior to the event in the event of a postponement or cancellation. In the event of a cancellation, you will receive a full refund. The Culinary Escapes Program is available when you book using your CIBC Aerogold Visa Infinite Privilege Card. The appearance by all chefs, sommeliers and bartenders is subject to change without notice. Offer is based on availability and additional terms and conditions may apply. 23 You must be legal drinking age to participate in the benefits. Void where prohibited. All wine tastings and discounts are subject to terms and conditions as specified by participating wineries. All discounts apply before applicable taxes. For Visa Infinite Wine Country Program dinners, you will be informed one week prior to the event in the event of a postponement or cancellation. In the event of a cancellation, you will receive a full refund. The appearance by all chefs, sommeliers and bartenders is subject to change without notice. Offers are based on availability and additional terms and conditions may apply. 27

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