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¹ All insurance is subject to limitations and exclusions contained in the insurance certificates distributed with the Card Package. Common carrier fares or merchandise must be charged to the card to activate coverages. Visa Auto Rental Collision/Loss Damage Insurance applies for rental periods not exceeding 48 days, only; to activate coverage, the car rental agency’s collision damage waiver insurance must be declined and the full cost of the rental must be charged to your card; this insurance is underwritten by Royal & Sun Alliance Insurance Company of Canada. $500,000 Common Carrier Accident Insurance is available only to the primary cardholder and his/her spouse and dependent children; coverage is up to $500,000 and is underwritten by AIG Commercial Insurance Company of Canada. The Purchase Security feature helps protect most new items of personal property when the purchase price is charged to your card by insuring the item for 90 days from purchase in the event of loss, theft or damage. This is excess insurance (it covers you only to the extent your claim exceeds the coverage under other insurance you may have). The Extended Protection feature doubles the term of your original Canadian or U.S. manufacturer’s warranty up to one year on most new items of personal property when the purchase price is charged to your card. Purchase Security and Extended Protection Insurance is underwritten and administered by Elite Insurance Company.

² AVIS discounts are available at participating AVIS locations and are applied automatically when you use the Card to pay for the rental (Quebec residents may obtain the discount without using their Card, provided they show the Card when paying by an alternative payment option acceptable to AVIS).

³ Convenience Cheques bear interest from the date they are posted to your credit card account. Cheques cannot be used for payments on or balance transfers from other CIBC cards, Personal Lines of Credit or Loans and Mortgages. Convenience Cheques cannot be certified.

⁴ The current annual interest rate for Purchases is 19.50% changing to 19.99% effective for and from the period covered by the February 2011 statement. (The February 2011 Statement covers the period that ends in that month.)