Credit Card Rates and Fees

Card	Interest Rate	Annual Fee/Additional Card Fee
CIBC VISA
CIBC Aero Classic VISA Card	19.5%	$29/Nil
CIBC Aventura® Gold VISA Card	19.5%	$120/$50
CIBC Aventura VISA INFINITE™* Card	19.5%	$120/$50
CIBC Dividend VISA INFINITE™ Card	19.5%	$79/$30
CIBC Dividend Platinum™ Card	19.5%	$79/$30
CIBC Dividend Card®	19.5%	Nil/Nil
CIBC Classic VISA Card	19.5%*1	Nil/Nil
CIBC U.S. Dollar VISA Card	19.5%	US $35/Nil
CIBC Gold VISA Card	19.5%	$99 ($69 seniors age 65 & over) /$30
CIBC Aerogold®1 VISA Card	19.5%	$120/$50
CIBC Aerogold VISA INFINITE™ Card	19.5%	$120/$50
CIBC Platinum VISA Card	19.5%*1	Nil/Nil
CIBC Select VISA Card	11.5%	$29/Nil

*1 The current regular annual interest rate is 19.5% for purchases and 21.5% for cash advances, balance transfers and convenience cheques.

The annual fee and Authorized User fee will be posted to the account if/when the application is approved and the card is issued, whether your card is activated or not, and annually thereafter.

Foreign Currency Transaction: A foreign currency transaction is converted to Canadian dollars on or after the transaction date but not later than the date the transaction is posted to your account. At the time of currency conversion, you are charged the same conversion rate CIBC must pay plus a fee of 2.5% of the converted amount, on both debits and credits.

Over limit fee: $20, posted to the account on the date your statement is prepared, if on that date the account balance exceeds the credit limit.

Grace period for payment of purchase balance: Your payment due date is 21 days after the statement date. When you carry a balance, we will extend the payment due date by 5 days in the following month (your payment period will be 26 days instead of the normal 21). Interest will continue to accrue for the extended period. When you pay your balance in full, your payment due date will revert to 21 days.

Minimum payment: $10 or 2.1% of the full balance, whichever is greater at the time of billing (or your full balance if less than $10).

Account Maintenance Fee: If you have an inactive account with a credit balance that has not changed for 360 consecutive days, on that date you will be charged the lesser of $10 or the full credit balance.

Copy of Previous Month's Statement or Sales Draft on a Previous Month's Statement: $2, when copy is requested.

The following fees are posted to the account when, or soon after, the transaction or other activity occurs:

Fee for each cash advance or cash-like transaction: In Canada $2.50, outside Canada $5.

DishonouredConvenience Cheque or Balance Transfer Charge

$25 is charged when a Convenience Cheque or Balance Transfer is not accepted due to NSF (non-sufficient funds), a closed account or stop payment.

Dishonoured Payment Charge

$25 is charged when a payment to your VISA account by cheque or preauthorized debit from any financial institution, including CIBC, is not accepted due to non-sufficient funds (NSF), a closed account or stop payment.

For more information, see the detailed disclosure statement distributed in the CIBC VISA card Welcome Package or call 1-800-465-4653, toll-free. The card interest rate and fees shown are current; they will change from time to time on at least 30 days prior notice to cardholders.

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* VISA Int./lic. user.

® Registered Trademark of CIBC

®1 Aerogold is a Registered Trademark of Aeroplan Canada Inc.; CIBC, Authorized Licensee of Mark

™ Trademark of Interac Assoction; CIBC authorized Licencee