* Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Here " button you can review the credit card terms and conditions on the credit card issuer's web site.
¹ The current annual interest rate is 11.50% and will change to 11.99% for Purchases, Cash Advances, Balance Transfers and Convenience Cheques effective for and from the period covered by the February 2011 statement. (The February 2011 Statement covers the period that ends in that month.)

² This insurance is subject to limitations and exclusions outlined in the insurance certificate distributed with the Card Package. This insurance is available only to the primary cardholder and his/her spouse and dependent children; coverage is up to $100,000 Canadian and is underwritten by AIG Commercial Insurance Company of Canada; Common carrier fares must be charged to the card to activate coverage.

³ 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).

⁴ Personalized CIBC Convenience Cheques can be ordered by calling a CIBC CreditSmart Card Services Representative. Convenience Cheques are treated as cash advances. Convenience Cheques bear interest from the date they are posted to your credit card account. Cheques cannot be used for payments on or balance transfers from other CIBC credit cards, Personal Lines of Credit , Loans and Mortgages. Convenience Cheques cannot be certified.

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