Terms and Conditions

Please review the program Terms and Conditions below.

Aventura® Terms and Conditions

Aventura Rewards Program Terms
1.These Aventura Program Terms apply to the Program and replace all prior terms. These
Aventura Program Terms govern your Aventura Account and the collection and redemption
of Aventura Points. The Aventura Program Terms apply to the Primary Cardholder, the
Rewards Officer, any Authorized User, and any Cardholder.
2.Your Credit Card Agreement also applies to the Aventura Program and if there is a
conflict between these Aventura Program Terms and your Credit Card Agreement, your
Credit Card Agreement will govern to the extent necessary to resolve the conflict.
3.If you use the Website to check your Aventura Points balance or redeem Aventura Points
you will also be bound by the terms of use of the Website. Specific terms and conditions
may apply to individual Rewards and will be disclosed at the time of redemption or
purchase.
4.Different Cards have different benefits and features which are disclosed in your welcome
kit and on www.cibc.com . In order to qualify for a particular type of Reward, you must
have a qualifying Card.
5.Payment with Points and Financial Products with Points redemptions are subject to the
additional terms and conditions specified at the time of redemption on CIBC Online
Banking ® .and CIBC Mobile Banking® .

Earning Aventura Points

6.Each $1.00 CAD in net Card purchases earns the amount of Aventura Points disclosed
by CIBC from time to time. Cents do not earn Aventura Points or partial Aventura Points.
Aventura Points are earned on Card purchases less returns, and not on cash advances,
CIBC Global Money TransfersTM, fees, interest, balance transfers, payments, CIBC
Convenience Cheques or Aventura Points redemptions. Certain Cards may also allow you
to earn additional Aventura Points for certain types of purchases from time to time.
7.Any credits (for returns or otherwise) will be deducted from your Aventura Account at the
same rate as the Aventura Points were earned. We have the right to make any other
adjustments to your Aventura Account in accordance with your Credit Card Agreement.
8.Each Monthly Statement will show the total number of Aventura Points earned or
deducted during the statement period and the total number of Aventura Points held in the
Primary Cardholder’s or the Rewards Officer’s Aventura Account at the end of the
statement period.
Aventura Lifestyle Rewards (including Gift Cards, Merchandise and Charitable
Donations)
9.The price in Aventura Points of any Lifestyle Reward includes taxes and (if applicable)
shipping. Certain fees and expenses may not be included. Any additional fees will be
confirmed when a Lifestyle Reward is ordered.
10.Transportation (including airfare) and personal travel items (including insurance) are not
included in a Lifestyle Reward unless specified.
11.Availability of space and dates may be limited for Lifestyle Rewards.
12.The use of gift cards may be subject to separate terms and conditions set by the issuer
of the gift card.
13.The quantity of merchandise offered may be limited, may not always be as shown and
is subject to availability.
Payment with Points
14.You may redeem your Aventura Points towards payment of your outstanding credit card
balance if you have a qualifying Card. Only Primary Cardholders are permitted to perform
a “Payment with Points” redemption. Specific terms and conditions apply to “Payment with
Points” and will be specified at the time of redemption on CIBC Online Banking and CIBC
Mobile Banking.
Financial Products with Points
15.You may redeem your Aventura Points to make payments or contributions towards
select CIBC financial products if you have a qualifying Card and you are otherwise eligible
for the selected financial product. Only Primary Cardholders are permitted to perform a
“Financial Products with Points” redemption. Specific terms and conditions apply to
“Financial Products with Points” and will be specified at the time of redemption on CIBC
Online Banking and CIBC Mobile Banking.
Aventura Airline Travel Rewards
16.You may redeem your Aventura Points for Airline Travel Rewards in accordance with
the Aventura Airline Rewards Chart if you have a qualifying Card.
17.The Aventura Airline Rewards Chart shows a "maximum ticket price" for a round trip
economy flight for one person in each travel region category. The maximum ticket price is
the price before Taxes and Other Charges. If the cost of the ticket before Taxes and Other
Charges exceeds the "maximum ticket price," you must either charge the excess to your
Card or you may redeem Aventura Points to pay the excess. If the cost of the ticket before
Taxes and Other Charges is less than the maximum ticket price, no credit (in either
Aventura Points or a credit applied to the Card) is granted. All taxes, fees and maximum
ticket prices are in Canadian dollars. The Aventura® Business Class Airline Rewards
Chart, open to CIBC Aventura® Visa Infinite Privilege* Card cardholders, shows a
"maximum ticket price" for a round trip business or first class flight for one person in each
travel region category.
18. Flight availability at all Aventura Points levels in the Aventura Airlines Rewards Chart
depends on ticket prices set by airlines. Flights at any Aventura Points level will not be
available to all destinations from all departure points and times. The airline or carrier and
flight route for your destination are subject to availability.
19.If you wish to redeem Aventura Points for a round trip business class flight and do not
have a CIBC Aventura® Visa Infinite Privilege* Card with access to the Aventura® Business
Class Airline Rewards Chart, you must phone the Centre and ask the Centre to:
a. First, redeem the maximum amount of Aventura Points required for an economy
class ticket in the same flight segment as the business class ticket you want. For
example, if the maximum amount for a short haul flight is 20,000 Aventura Points, you
will redeem 20,000 Aventura Points.
b. You can then charge the difference between the "maximum ticket price" for the flight
to your Card and the cost of the flight or redeem Aventura Points for the flight cost over
the "maximum ticket price".
20.Taxes and Other Charges are not included in Airline Travel Rewards. You can choose
to charge Taxes and Other Charges to your Card or pay for them by redeeming Aventura
Points.
21.To obtain an Airline Travel Reward, you must redeem at least 80% of the total number
of Aventura Points required to purchase it. If you don’t have enough Aventura Points to
purchase an Airline Travel Reward in full, you may make a Top Up Purchase of Aventura
Points for up to 20% of the total Aventura Points required for the flight excluding Taxes and
Other Charges. For a business class flight, you may purchase up to 20% of the maximum
amount of Aventura Points required for an economy class ticket in the same flight segment
as the business class ticket you want. No additional Aventura Points may be purchased in
respect of the flight or for other use. The Top Up Purchase will be charged to your Card
and does not earn Aventura Points. Top Up Purchases cannot be refunded or reversed.
22.We may make changes to the Aventura Airline Rewards Chart (including any
"maximum ticket prices"). See the Website for the most up to date version.
Aventura Flexible Travel Rewards
23.Aventura Points may be redeemed for up to 100% of the cost of any Flexible Travel
Reward booked through the Centre. Aventura Points may also be redeemed for up to
100% of the cost of Taxes and Other Charges and for the cost of any travel insurance
purchased through the Centre.
24.You may redeem any number of Aventura Points towards a Flexible Travel Reward
purchase; there is no minimum redemption amount. If the cost of the travel services
exceeds the value of Aventura Points which are redeemed, the excess will be charged to
your Card. Taxes and Other Charges on travel services and the premiums for any
insurance purchased through the Centre may be paid for by Aventura Points at the same
rate or charged to your Card. Some taxes and other charges may be collected locally/when
you are travelling, and cannot be prepaid. Please contact the Centre for specific details.
25.Prices shown on the Website, in advertising or otherwise do not include Taxes and
other Charges, unless expressly noted.
26.The travel and other services available through the Centre will change from time to time
and some types of travel services may not be available. Specific tours or services may be
cancelled by travel service suppliers without prior notice. Suppliers may also change
prices, travel itineraries, flight times and dates without prior notice.
27.Non-refundable deposits and baggage restrictions may apply and vary by supplier.
Please contact the Centre for specific details.
Redeeming Aventura Points
28.To redeem Aventura Points for a Reward your Aventura Account must have enough
Aventura Points. Exceptions apply for a Top Up Purchase and Flexible Travel Rewards, as
set out above in paragraphs 18 and 21.
29.The Aventura Points balance displayed on the Website or known to the Centre may not
reflect very recent transactions (including purchase refunds and Aventura Points
redemptions) that have not yet been posted to your Aventura Account. If you have
questions or concerns about your current Aventura Account balance, you can call CIBC at
1-800-465-4653.
30.If it appears to the Centre that you have sufficient Aventura Points at the time you
request Aventura Points to be redeemed for any Reward, but you in fact do not, you
authorize the Centre to do the following, regardless of the reason for the deficiency:
a. if you redeemed Aventura Points for an Airline Travel Reward, the Centre will charge
an amount equal to the full Aventura Points required for your flight booking (not just the
Aventura Points deficiency) to your Card at the rate of three cents for each Point (less
any amount you charged to your Card as a Top Up Purchase).
b. if you redeemed Aventura Points for a Flexible Travel Reward, the Centre will charge
to your Card an amount equal to the dollar amount that the Centre would have charged
you when you booked to your Card, if you had charged the entire booking to your Card
rather than redeeming any Aventura Points (less any portion of the cost that you
charged to your Card when you booked).
c. if you redeemed Aventura Points for a Payment with Points, your balance will only be
reduced by the amount of Aventura Points redeemed, and any remaining balance will
be subject to interest in accordance with your Credit Card Agreement;
d. if you redeemed Aventura Points for any other Reward, the Centre will charge to your
Card an amount equal to the number of Aventura Points by which your Aventura
Account is deficient, multiplied by one cent.
31.Aventura Points may only be redeemed by the Primary Cardholder or the Rewards
Officer. Your Credit Card Account must be in Good Standing in order to redeem Aventura
Points, charge any portion of the cost of a Reward to a Card or book/order any product or
service through the Centre.
32.Rewards are displayed on the Website and in any additional materials as made
available from time to time. All Rewards are subject to availability.
33.Rewards must be ordered through the Centre. Aventura Points cannot be applied
against existing reservations, to purchases previously made or for products or services not
ordered/booked through the Centre.
34.Only if you have an eligible Aventura Account issued before October 1, 2013 may you
redeem Aventura points for Aeroplan® points. The ability to then redeem an Aventura point
for an Aeroplan point is subject to the terms and conditions applicable to Rewards.
35.If you have an eligible Aventura Account issued before October 1, 2013, then the
Primary Cardholder may convert Aventura Points to Aeroplan® points at an exchange rate
of 1 to 1, but only in increments of 10,000 Aventura Points. A conversion of Aventura
Points to Aeroplan points is considered to be a redemption of Aventura Points. By
requesting a conversion, the Primary Cardholder authorizes CIBC and/or the Centre to
disclose to Aeroplan the information necessary to facilitate the conversion. Your
conversion request will not be processed immediately; the conversion may take several
business days or longer. Therefore, when making your travel plans, you must allow
sufficient time for the Centre to process the conversion as well as for Aeroplan to credit
your Aeroplan account. CIBC and the Centre are not responsible for any failure or delay,
including by Aeroplan in crediting your Aeroplan account. You cannot cancel a request to
convert Aventura Points into Aeroplan points nor may you convert Aeroplan points into
Aventura Points.
More About Aventura Rewards
36.Rewards do not include any personal expenses or costs not expressly stated to be
included. You are responsible for any personal expenses and for the cost of any services
not included with a Reward or with travel or other services purchased through the Centre,
including travel insurance.
37.Once ordered, Rewards are non-refundable, non-exchangeable and non-transferable
unless you are advised otherwise. Non-Rewards travel booked through the Centre may be
subject to a non-refundable deposit at the time of booking and is non-exchangeable and
non-transferable (unless you are advised otherwise).
38.Any Rewards which are packaged for two people require double occupancy and joint
travel and participation (as applicable).
39.Rewards may be changed or substituted and the number of Aventura Points required
for specific Rewards may be changed at any time and without notice.
40.You and/or your guests (if applicable) are solely responsible for obtaining required
travel documentation. Without appropriate documentation you may be refused
boarding/entry/access.
41.Should circumstances beyond the Centre’s control result in a travel service supplier’s
failure to provide a Reward which you have ordered or booked, the Centre may attempt
(but is not required) to arrange a suitable replacement Reward or may choose (but is not
required) to credit Aventura Points to your Aventura Account and credit your Credit Card
Account if you charged a portion of the cost of the Reward to your Card. Neither CIBC nor
the Centre is responsible for any costs you may have incurred in relation to a Reward
which is cancelled.
More About Aventura Points
42.We are not required to credit your Aventura Account with the Aventura Points earned in
respect of net Card purchases during a Monthly Statement period if your Credit Card
Account is not open and in Good Standing at any time during a Monthly Statement period.
If your Aventura Account is credited in error or is otherwise credited with Aventura Points
that were not properly earned for any reason, we are entitled to remove such Aventura
Points from the Aventura Account without notice and at any time.
43.You are responsible for reviewing the Aventura Points amounts shown on each Monthly
Statement. You must notify us in writing of any errors, omissions, or objections in respect
of the Aventura Points shown (or not appearing) on a Monthly Statement within six months
from the date of the Monthly Statement on which the Aventura Points appear (or should
have appeared). If you do not, we are entitled to treat the Monthly Statement as correct,
except for improper credits.
44.Your accumulation of Aventura Points does not entitle you to any vested rights.
Aventura Points have no monetary value and, other than in connection with a “Payment
with Points” redemption, cannot be exchanged for cash or credit against your Credit Card
Account balance. Aventura Points cannot form the basis of a monetary claim against us.
45.Aventura Points are not transferable, including with respect to any other Aventura
Account, and cannot be assigned or divided in the event of separation, divorce, bankruptcy
or otherwise unless we consent. We will allow you to transfer Aventura Points between
your personal and business Card Aventura Accounts if you are the Primary Cardholder or
Rewards Officer for both Aventura Accounts. Aventura Points cannot be attached, pledged
or hypothecated in any way. If the Rewards Officer dies or is removed by the Business, all
Aventura Points in the Aventura Account and all Aventura Points earned after the date of
death or removal will automatically be transferred to the new Rewards Officer appointed by
the Business as of the date of death or removal. The old Rewards Officer and or his or her
estate shall have no vested rights in the Aventura Points and will not be entitled to any
compensation in respect of the transfer.
Death of Primary Cardholder, Credit Card Account Closure and Program
Termination 46.In the event of the Primary Cardholder’s death where his or her spouse or
common-law or civil union partner is an Authorized User of the same Credit Card Account,
and such spouse or partner applies and is approved as the replacement Primary
Cardholder, all Aventura Points will remain in the Aventura Account. Otherwise, the
Aventura Account will be closed and the Aventura Points in it will be available for
redemption by the Primary Cardholder’s estate, in accordance with these Aventura
Program Terms, no later than twelve months after the Aventura Account is closed. All
Aventura Points must be then redeemed in a single transaction unless otherwise advised
by us. If the Aventura Points are not redeemed by that date for any reason (including due
to a dispute among the legal representative(s), beneficiary(ies) or other claimants), the
Aventura Points will be cancelled.
47.If a Primary Cardholder or Business closes his/her/its Credit Card Account or declines
to renew his/her/its Card, all Aventura Points in the Aventura Account must be redeemed
within 60 days after the Credit Card Account is closed. If your Credit Card Account is
closed because your Card(s) are being converted by the Primary Cardholder/Business into
another type of CIBC credit card, all Aventura Points must be redeemed within 60 days
unless you are otherwise advised by us. Aventura Points that are not redeemed within 60
days will be forfeited without compensation.
48.If CIBC closes a Credit Card Account or cancels any Card related to it because the
Credit Card Account is not in Good Standing or for any other reason permitted under the
Cardholder Agreement, the associated Aventura Account is automatically closed and all
Aventura Points are forfeited immediately.
49.If the entire Program is to be terminated, we will send 60 days prior notice to the
Primary Cardholder or Business, which may be included with or on a Monthly Statement.
Any notice will also be notice to any Authorized Users, Cardholders, and Rewards Officers.
The notice will provide details on the redemption and expiry of Aventura Points not
redeemed before termination of the Aventura Program.
More About the Program
50.We may disclose information about an Aventura Account to the Primary
Cardholder, the Rewards Officer, or an Authorized User.
51.CIBC, the Centre and their agents are not liable or responsible for any loss, injury,
death, cost, damage, liability or expense you or your family members or guests may
suffer or incur, and you release and discharge CIBC, the Centre and their agents
from any claims, demands, causes of action and actions which may arise, in
connection with any:
a. error or omission on the Website or other sources of information about the
Program and any Rewards;
b. error or delay in crediting or debiting your Aventura Account;
c. act or omission by the Centre, including if the Centre provides information
which results in travel arrangements that have a higher cost than expected or
indicated or which differ in any way from arrangements which may be available
elsewhere;
d. use of a Reward, including while travelling on any Airline Travel Reward or
Flexible Travel Reward or while engaged in any Lifestyle Reward; and
e. losses, fees or other charges which may be incurred in connection with any
financial product redeemed as a Financial Product with Points Reward;
f. act or omission of any travel supplier, including its failure to perform as
expected or described or if travel services are substituted or changed in any way
or cancelled in whole or part.
This release binds your legal representatives, heirs, successors and assigns.
52.We may amend, suspend or terminate all or any part of the Program at any time
and will notify you by sending the Primary Cardholder or Business a notice (written or
electronic) or posting a notice on the Website, which will be effective when posted.
The Business is responsible for providing any necessary notifications to the Rewards
Officer. If we make a change to these Aventura Program Terms that is non-material
or to your benefit, we will notify you by posting a notice on the Website, where you
can always locate the most up to date version. Any changes to these Aventura
Program Terms or the Program may affect Aventura Points which you may have
already accumulated and/or any future accumulations.
53.The following provisions only apply to Aventura Accounts where the Primary
Cardholder is a Quebec resident: We will provide the Primary Cardholder with 60
days’ notice of any change to an essential term of these Aventura Program Terms
and 30 days’ notice of any other change. The notice will include a comparison of the
existing and new terms and the effective date of the change. The Primary Cardholder
may refuse any change by cancelling its Aventura Account by notice to CIBC within
30 days after the effective date of the change without cost, penalty or cancellation
indemnity.
54.You are responsible for any tax liability and tax reporting obligations arising from
your use of the Program.
55.Independent third party service providers and suppliers may provide supplies and
services for the Program, including the Centre. All travel services are provided by
Merit Travel Group, which is an independent travel agency. Registration Numbers:
ON-4499356/4499372: BC-33127/34799/34798: QC-7002238.
56.These Aventura Program Terms will be governed by and interpreted in
accordance with Canadian law. The courts in the Canadian province or territory in
which the Primary Cardholder or Business resides (or of Ontario, if he/she resides
outside Canada) will have exclusive jurisdiction over any disputes arising in
connection with Aventura Points and/or these Aventura Program Terms.
57.Capitalized terms that are used and not defined in the Aventura Program Terms
will have the following meanings:
a. Airline Travel Reward means a round-trip flight that is redeemed for Aventura
Points in accordance with the Aventura Airline Rewards Chart and is obtained
from the Centre.
b. Authorized User has the meaning set out in your Credit Card Agreement.
c. Aventura Account means the Aventura Points account linked to the Primary
Cardholder’s Credit Card Account.
d. Aventura Airline Rewards Chart means the chart for redemption of Aventura
Points for flights in accordance with specified criteria, including flight category
and maximum ticket price, as amended by us from time to time.
e. Aventura Points means points issued pursuant to the Program.
f. Aventura Program Terms means this list of terms and conditions that apply to
the Program.
g. Business has the meaning set out in your Credit Card Agreement.
h. Card means a CIBC credit card that is included in the Program.
i. Cardholder has the meaning set out in your Credit Card Agreement.
j. Centre means the centre which provides travel and other services related to
the Program by phone or through the Website.
 k. CIBC, us or we means Canadian Imperial Bank of Commerce.
l. Credit Card Agreement means the cardholder agreement governing your
Credit Card Account, as amended and replaced from time to time.
m. Credit Card Account has the meaning set out in your Credit Card
Agreement.
n. Flexible Travel Reward means any travel or service (other than an Airline
Travel Reward or a Lifestyle Reward) that is obtained from the Centre and
redeemed for either Aventura Points only or Aventura Points plus a charge to the
Card.
o. Good Standing has the meaning set out in your Credit Card Agreement.
p. including means "including, but not limited to".
q. Lifestyle Reward means any gift card, charitable donation, merchandise item
or any reward that is identified as a "lifestyle reward" on the Website or otherwise
that may be obtained in exchange for Aventura Points.
r. Monthly Statement means the monthly statement sent to the Primary
Cardholder or Business with respect to the Credit Card Account.
s. Primary Cardholder has the meaning set out in your Credit Card Agreement.
t. Program means the Aventura Rewards Program.
u. Reward means a Lifestyle Reward, Airline Travel Reward or Flexible Travel
Reward, as applicable.
v. Rewards Officer has the meaning set out in your Business Credit Card
Agreement.
w. Taxes and Other Charges includes the following, when/as applicable to
Airline Travel Rewards or Flexible Travel Rewards: taxes of any kind, departure
or arrival fees, security or other charges, fuel or other surcharges, fees for
additional services, tips, port fees, or any other levy imposed by or with the
authority of any government, airline or other third party.
x. Top Up Purchase means the purchase of additional Aventura Points for
flight(s) under the Aventura Airline Rewards Chart, as described in paragraph 18.
y. Website means the website operated by the Centre and which is located
at www.CIBCRewards.com or such other website address(es) that replace it.
z. you means a Primary Cardholder or Authorized User, as applicable.
Aventura Certificates
58.Cardholders must verify their identity before claiming an Aventura Certificate on
CIBCRewards.com. All other Aventura terms and conditions including those relating to
redemption of Aventura points continue to apply.
59.An Aventura Certificate can only be claimed once. Each Aventura Certificate has a
unique redemption code that will become invalid as soon as points are awarded.
60.Points from an Aventura Certificate can be applied to certain Aventura cards only
(“Eligible Aventura Card Products”): CIBC Aventura® Visa Infinite Privilege* Card, CIBC
Aventura®Visa* card; CIBC Aventura® Visa Infinite* card; CIBC Aventura® Gold Visa* card;
CIBC U.S. Dollar Aventura® Gold Visa* card; CIBC Aventura® Visa* for Business card;
CIBC Aventura® Visa* for Business Plus card; CIBC Aventura® World
Elite® MasterCard® card; CIBC Aventura® World MasterCard® card; or CIBC
Aventura® MasterCard® card. Aventura Certificates cannot be used to apply points to CIBC
Gold Visa* and CIBC Vacationgold® Visa* cards.
61.CIBC reserves the right to cancel an Aventura Certificate before expiry without prior
notification in cases involving fraud, lost, and stolen Aventura Certificates.
62.Points from an Aventura Certificate will be awarded to the account on which points are
redeemed for rewards via CIBCRewards.com.
63.Primary cardholders of the Eligible Aventura Card Products as well as authorized
users of Eligible Aventura Card Products who have been given permission by the primary
cardholders to redeem Aventura points are eligible to claim Aventura Certificates.
64.An Aventura Certificate has no cash value. It can only be used to award Aventura
points to an eligible Aventura account.
65.Points earned from Aventura Certificates can be redeemed for travel, gift cards,
merchandise, and more on CIBCRewards.com. Once added, they behave exactly like
regularly earned Aventura points.
66.If an Aventura Certificate is lost or damaged, CIBC is not liable to provide a
replacement.
For Air Canada and Aeroplan trade-mark ownership details see:
cibc.com/aeroplantrademarks. All other trademarks are owned by CIBC or related entities.
Shopping with Points
67.Requested redemption amount must be equal to or less than the cardholder’s available
Aventura Points balance.
68.Aventura Points to dollars conversion ratio is determined by CIBC and can be changed
at any time without notice.
69.Shopping with Points redemptions are non-refundable, non-exchangeable and non-
transferable unless you are advised otherwise.
70.Only primary cardholders are permitted to perform a Shopping with Points redemption.
Authorized Users are not eligible.
71.Shopping with Points redemptions are eligible only for authorized transactions that are
not posted to the card account.
72.The redemption of your Aventura Points will be treated as a payment to your account
and not as a credit. Refer to the Consumer Cardholder Agreement to learn how payments
are applied to your account.
CIBC Gold Visa* Terms and Conditions
CIBC Gold Visa* Card CIBC Rewards Program Terms and Conditions
1.The Program works very simply: each time you use your Card to make a purchase you
are rewarded with Points redeemable for merchandise or travel Rewards.
2.These Terms and Conditions apply to the Program and replace all prior terms. These
terms govern your Gold Account and the collection and redemption of Points. The Program
terms apply to the Primary Cardholder and any Authorized User.
3.Your CIBC Cardholder Agreement also applies to the Program and if there is a conflict
between these terms and your CIBC Cardholder Agreement, your CIBC Cardholder
Agreement will govern to the extent necessary to resolve the conflict.
4.If you use the Website to check your Points balance or redeem Points, you will also be
bound by the terms of use of the Website. Specific terms and conditions may apply to
individual Rewards and will be disclosed at the time of redemption or purchase.
5.Payment with Points and Financial Products with Points redemptions are subject to the
additional terms and conditions specified at the time of redemption on CIBC Online
Banking® and CIBC Mobile Banking®.
How To Earn Points
6.Each $1.00 in net retail purchases charged to your Card earns one Point. Cents do not
earn Points or partial Points. You may also be able to earn additional Points for certain
types of purchases from time to time. Cash advances, CIBC Global Money TransfersTM,
CIBC Convenience Cheques, balance transfers, interest, fees, payments, Points
redemptions and service charges do not earn Points. All Points accumulated in your Gold
Account will appear on your monthly Card statement. Any credits for returns will also be
reflected on your statement and the Points for credits and returns will be deducted from
your Gold Account at the same rate as they were earned. If CIBC credits your Gold
Account in error or you otherwise receive Points which you have not earned, CIBC is
entitled to remove those Points from your Gold Account at any time and without prior
notice.

Account Eligibility
7.Your Credit Card Account must be in Good Standing in order for you to take advantage
of the Program, unless you are directed otherwise. Points cannot be exchanged for cash or
used as credit against an outstanding Credit Card Account balance (except as outlined
under "Payment with Points"). Points are not transferable, including to another Credit Card
Account, and cannot be assigned or divided in the event of separation, divorce, bankruptcy
or otherwise (unless CIBC consents). Points cannot be attached, pledged or hypothecated
in anyway.
8.Points may only be redeemed by the Primary Cardholder.
Death of Primary Cardholder, Credit Card Account Closure and Program
Termination
9.In the event of the Primary Cardholder’s death where a spouse or common law or civil
union partner is an Authorized User of the same Credit Card Account and applies and is
approved as the replacement Primary Cardholder, all Points will remain in the Gold
Account and may be redeemed by the new Primary Cardholder. Otherwise, the Gold
Account will be closed and the Points in it will be available for redemption by the Primary
Cardholder’s estate, in accordance with these Terms and Conditions, no later than twelve
months after the Gold Account is closed. All Points must then be redeemed in a single
transaction unless otherwise advised by us. If the Points are not redeemed by that date for
any reason (including due to a dispute among the legal representative(s), beneficiary(ies)
or other claimants), the Points will be cancelled.
10.If a Primary Cardholder closes his/her Credit Card Account or declines to renew his/her
Card, the associated Gold Account will also be closed and all Points in the Gold Account
must be redeemed within 60 days after the Credit Card Account is closed. If the Credit
Card Account is closed because the Card(s) are being converted by the Primary
Cardholder into another type of CIBC credit card, all Points in the Gold Account must be
redeemed within 60 days unless you are otherwise advised by us. Points that are not
redeemed within 60 days will be forfeited without compensation.
11. If CIBC closes a Credit Card Account or cancels any Card related to it because the
Credit Card Account is not in Good Standing or for any other reason permitted under the
Cardholder Agreement, the associated Gold Account is automatically closed and all Points
are forfeited immediately.
12. If the entire Program is to be terminated, we will send 60 days prior notice to the
Primary Cardholder, which may be included with or on a Monthly Statement. Any notice
will also be notice to any Authorized Users, Cardholders and Rewards Officers. The notice
will provide details on the redemption and expiry of Gold Points not redeemed before
termination of the Gold Program.
Merchandise
13.Rewards are subject to availability. Rewards may be changed or substituted and the
number of Points required for specific Rewards may be changed at any time and without
notice. Some items pictured on the Website are one-of-a-kind. The item received may
therefore not be exactly as shown on the Website. Merchandise cannot be delivered
outside Canada or to a P.O. Box/R.R. #. CIBC assumes no liability for injury or damage
caused by defective merchandise. Each merchandise Reward on the Website shows the
value in Points. Each merchandise Reward redeemed from the Website includes taxes,
shipping and handling, and delivery charges.
Payment With Points
14.You may redeem your Points towards payment of your outstanding credit card balance
if you have a qualifying Card. Only Primary Cardholders are permitted to perform a
“Payment with Points” redemption. Specific terms and conditions apply to “Payment with
Points” and will be specified at the time of redemption on CIBC Online Banking and CIBC
Mobile Banking.
Financial Products With Points
15.You may redeem your Points to make payments or contributions towards select CIBC
financial products if you have a qualifying card and you are otherwise eligible for the
selected financial product. Only Primary Cardholders are permitted to perform a “Financial
Products with Points” redemption. Specific terms and conditions apply to “Financial
Products with Points” and will be specified at the time of redemption on CIBC Online
Banking and CIBC Mobile Banking.
How To Order
16.Please visit the Website to view and order available merchandise. Your Gold Account
will be debited on the date your order is placed. If you have questions or concerns, you can
call the Centre at 1-888-232-5656 or visit www.CIBCRewards.com.
Hours Of Operation
17.For current Centre hours of operation, please visit the Website or call 1-888-232-5656.
The Centre is closed on statutory holidays, but our Website is always available. Deliveries
will be made during regular business hours.
Suppliers
18.The Program is managed by outside suppliers who supply all merchandise and co-
ordinate all the fulfillment of items offered at www.CIBCRewards.com. CIBC reserves the
right to change the format and merchandise included in the Program at any time without
prior notice.
Return Policy
19.Once ordered, merchandise Rewards are non-refundable, non-exchangeable and non-
transferable unless you are advised otherwise.
Omissions And Corrections Policy
20.We have made all reasonable and necessary efforts to ensure the accuracy of the
information contained in the Terms and Conditions and on the Website. However, we
reserve the right to correct any errors, inaccuracies, or omissions and to update or modify
information at any time without prior notice.
Customer Service
21.We are 100% committed to making your ordering experience an easy and enjoyable
one. Our Customer Service Representatives are happy to answer any questions you may
have concerning the merchandise and/or your order. Please call the Centre at 1-888-232-
5656 for more information.
CIBC Travel Service
22.Points may be redeemed for up to 100% of the cost of any available travel Rewards.
You may redeem any number of Points toward a travel Reward; there is no minimum
redemption amount. If the cost of the travel Reward exceeds the value of the Points
redeemed, the excess will be charged to your Card. Points can be converted in any
increments. Please consult our Website for more details on how to book and more.
23.All travel, golf and event arrangements are subject to availability at the time of booking.
24.To redeem your Points towards a travel Rewards, all bookings must be made through
the Centre on the Website or by calling 1-888-232-5656.
25.Prices do not include taxes, service charges, fuel surcharges, fees for additional
services, etc., except where expressly noted.
26.Prices, travel itineraries, flight times or dates may be changed or cancelled by tour
operators without prior notice.
27.You and/or your guests (if applicable) are solely responsible for obtaining required
travel documentation for travel. Without appropriate documentation, you may be refused
boarding, entry or access.
28.Some travel reservations are strictly non-refundable and non-transferable once booked
through your Card or by redeeming Points.
29.Cancellation policies, baggage restrictions, and non-refundable deposits apply and vary
by supplier. Please contact the Centre for specific details.
30.Specific terms and conditions apply to travel Rewards, and vary by supplier. This is not
intended to be a complete list. Please consult the Website for complete details.
31.All travel services are provided by Merit Travel Group, which is an independent travel
agency. Registration Numbers: ON-4499356/4499372: BC-33127/34799/34798: QC-
7002238.
Insurance
32.Remember that your Card provides you with a variety of purchase and travel
insurances. Please consult the insurance certificates distributed with your Card welcome
kit for more details.
Relevant Terms
33.We may amend, suspend or terminate all or any part of the Program at any time and
will notify you by sending the Primary Cardholder a notice (written or electronic) or posting
a notice on the Website, which will be effective when posted. If we make a change to these
Terms and Conditions that is non-material or to your benefit, we will notify you by posting a
notice on the Website, where you can always locate the most up to date version.
34.The following provisions only apply to Gold Accounts where the Primary Cardholder is a
Quebec resident: We will provide the Primary Cardholder with 60 days’ notice of any
change to an essential term of these Terms and Conditions and 30 days’ notice of any
other change. The notice will include a comparison of the existing and new terms and the
effective date of the change. The Primary Cardholder may refuse any change by cancelling
its Gold Account by notice to CIBC within 30 days after the effective date of the change
without cost, penalty or cancellation indemnity.
35.These Terms and Conditions are governed by and interpreted in accordance with
Canadian law and the applicable law of the Canadian province or territory in which the
Primary Cardholder resides (or of Ontario, if he/she resides outside Canada), whose courts
will have exclusive jurisdiction over any disputes arising in connection with your Gold
Account and/or these Terms and Conditions.
36.Capitalized terms that are used and not defined in the Terms and Conditions have the
following meanings:
a. Authorized User means each person whose name is embossed or printed on a card
at the Primary Cardholder’s request.
b. Card means a CIBC Credit card that is included in the Program.
c. Centre means the CIBC Rewards Centre, which provides travel and other services
related to the Program by phone or through the Website.
 d. CIBC, us or we means Canadian Imperial Bank of Commerce.
e. CIBC Cardholder Agreement means the cardholder agreement governing your
Credit Card Account, as amended and replaced from time to time.
f. Credit Card Account has the meaning set out in your CIBC Cardholder Agreement.
g. Gold Account means the Points account linked to the Primary Cardholder’s Credit
Card Account.
h. Good Standing has the meaning set out in your CIBC Cardholder Agreement;
i. including means “including, but not limited to”.
j. Points means points issued pursuant to the Program.
k. Primary Cardholder has the meaning set out in your CIBC Cardholder Agreement.
l. Program means the CIBC Gold Visa* Card Rewards Program.
m. Rewards means merchandise or travel available on the Website or otherwise that
may be obtained in exchange for Points.
n. Terms and Conditions means this list of terms and conditions that apply to the
Program.
o. Website means the website operated by the Centre and which is located
at www.CIBCRewards.com or such other website address(es) that replace it.
p. you or your means a Primary Cardholder or Authorized User, as applicable.
Note: All brand names and trademarks are the property of their respective owners.

Vacationgold® Visa* Card Vacationgold Rewards Program Terms

and Conditions
Introduction
1.These Terms and Conditions apply to the Program and replace all prior terms. These
Terms and Conditions govern your Vacationgold Account and the collection and
redemption of Vacation Dollars®. The Terms and Conditions apply to the Primary
Cardholder and any Authorized User.
2.Your CIBC Cardholder Agreement also applies to the Program and if there is a conflict
between these Terms and Conditions and your CIBC Cardholder Agreement, your CIBC
Cardholder Agreement will govern to the extent necessary to resolve the conflict.
3. Specific terms and conditions may apply to individual rewards and will be disclosed at
the time of redemption or purchase.

How To Earn Vacation Dollars

4.Except for purchases which earn triple Vacation Dollars (described in paragraph 7 below),
Vacation Dollars worth 1% of your net Card purchases will be added to your Vacationgold
Rebate Account. You will not earn Vacation Dollars on cash advances, CIBC Global Money
TransfersTM, fees, interest, balance transfers, payments CIBC Convenience Cheques or
Vacation Dollars redemptions. Any credits (for returns or otherwise) will be deducted from
your Vacationgold Rebate Account at the same rate as they were earned. If your
Vacationgold Rebate Account has insufficient Vacation Dollars available for the credit, we
will charge your Credit Card Account for the value of Vacation Dollars, which cannot be so
deducted, at the rate of $2 per Vacation Dollar.
5.Each Monthly Statement will show the total number of Vacation Dollars earned during
the statement period, and the total number of Vacation Dollars held in your Vacationgold
Rebate Account at the end of the statement period (if any). These amounts include your
accumulated Vacation Dollars for all Cards on the Credit Card Account.
How To Earn Triple Vacation Dollars
6.If you use your Card to purchase any Vacation Packages from the Centre, you will earn
Vacation Dollars at a rate equal to (i) 2% of the Net Purchase Price of the Vacation
Package charged to the Card, excluding taxes, insurance, service charges and personal
expenses plus (ii) 1% regular Vacation Dollars on the portion of the Vacation Package
charged to the Card, for a total of 3%. Triple Vacation Dollars are not earned on any
purchase from the Centre which is not part of a Vacation Package. Vacation Dollars may
not be redeemed for a Vacation Package which triggered the earning of triple Vacation
Dollars.
Redeeming Vacation Dollars
7.Vacation Dollars may only be redeemed by the Primary Cardholder.
8.You may redeem Vacation Dollars for all or part of the cost of a Vacation Package,
including taxes and any additional charges directly related to the Vacation Package, up to
and not exceeding the total purchase price. If your Vacationgold Rebate Account does not
contain sufficient Vacation Dollars for the Vacation Package you wish to order, you must
pay the additional costs using your Card.
9.Vacation Packages must be redeemed through the Centre by telephone at 1-866-339-
3320. You cannot apply Vacation Dollars against existing or previous reservations or
purchases, or for travel not booked through the Centre.
10.Vacation Dollars will be deducted from your Vacationgold Rebate Account on the date
you place/book your order.
11.In order to redeem Vacation Dollars, your Credit Card Account must be in Good
Standing at the time of the redemption.
Death of Primary Cardholder, Credit Card Account Closure and Program
Termination
12.In the event of the Primary Cardholder’s death where his or her spouse or common-law
or civil union partner is an Authorized User of the same Credit Card Account, and such
spouse or partner applies and is approved as the replacement Primary Cardholder, all
Vacation Dollars will remain in the Vacationgold Rebate Account. Otherwise, the
Vacationgold Rebate Account will be closed and the Vacation Dollars in it will be available
for redemption by the Primary Cardholder’s estate, in accordance with these Terms and
Conditions, no later than twelve months after the Vacationgold Rebate Account is closed.
All Vacation Dollars must be then redeemed in a single transaction unless otherwise
advised by us. If the Vacation Dollars are not redeemed by that date for any reason
(including due to a dispute among the legal representative(s), beneficiary(ies) and or other
claimants), the Vacation Dollars will be cancelled.
13.If a Primary Cardholder closes his/her Credit Card Account or declines to renew his/her
Card, the associated Vacationgold Rebate Account will also be closed and all Vacation
Dollars in the Vacationgold Rebate Account must be redeemed within 60 days after the
Credit Card Account is closed. If the Credit Card Account is closed because the Card(s)
are being converted by the Primary Cardholder into another type of CIBC credit card, all
Vacation Dollars in the Vacationgold Rebate Account must be redeemed within 60 days
unless you are otherwise advised by us. Vacation Dollars that are not redeemed within 60
days will be forfeited without compensation.
14.If CIBC closes a Credit Card Account because the Credit Card Account is not in Good
Standing or for any other reason permitted under the Cardholder Agreement, the
associated Vacationgold Rebate Account is automatically closed and all Vacation Dollars
are forfeited immediately.
15.If the entire Program is to be terminated, we will send 60 days prior notice to the
Primary Cardholder, which may be included with or on a Monthly Statement. Any notice
will also be notice to any Authorized Users. The notice will provide details on the
redemption and expiry of Vacation Dollars not redeemed before termination of the
Vacationgold Program.
General Terms
16.Your Vacation Package does not include any personal expenses or costs, such as
travel insurance, unless they are expressly stated as included. You are responsible for any
personal expenses, and for the cost of any services not included with a Vacation Package
or travel services purchased through the Centre.
17.Your Vacation Package is subject to availability, and is governed by the terms and
conditions of the travel supplier
18.Once a Vacation Package has been redeemed, it is non-refundable, nonexchangeable
and non-transferable (unless you are advised otherwise).
19.We are not required to credit your Vacationgold Rebate Account with the Vacation
Dollars earned in respect of net Card purchases during a Monthly Statement period if your
Credit Card Account is not open and not in Good Standing at any time during a Monthly
Statement period.
20.You are responsible for reviewing the Vacation Dollar amounts shown on your Monthly
Statement. You must notify CIBC Credit Card Services in writing of any errors, omissions,
or objections to the Vacation Dollars balance or any credit or debit to your Vacationgold
Rebate Account within 6 months from the date of the Monthly Statement on which the
Vacation Dollars appear (or should have appeared). If you do not, we are entitled to treat
the Monthly Statement as correct, except for improper credits.
21.Your accumulation of Vacation Dollars does not entitle you to any vested rights.
Vacation Dollars have no monetary value, and you cannot exchange them for cash or
credit them against your Credit Card Account balances. Vacation Dollars cannot form the
basis of a monetary claim against CIBC.
22.You cannot transfer Vacation Dollars, including to another Credit Card Account. You
cannot assign or divide Vacation Dollars in the event of separation, divorce, bankruptcy or
otherwise without CIBC’s prior consent. You cannot attach, pledge or hypothecate
Vacation Dollars in any way.
23.We may disclose information about a Vacationgold Rebate Account to the Primary
Cardholder or an Authorized User.
24.CIBC, the Centre and their agents are not liable or responsible for any loss, injury,
death, cost, damage, liability or expense you or your family members or guests may suffer
or incur, and you release and discharge CIBC, the Centre and their agents from any
claims, demands, causes of action and actions which may arise, in connection with any:
a.Error or omission on any source of information about the Program and any Vacation
Packages;
b.Error or delay in crediting or debiting your Vacationgold Rebate Account;
c.Act or omission by the Centre, including if the Centre provides information which
results in travel arrangements that have a higher cost than expected or indicated or
which differ in any way from arrangements which may be available elsewhere;
d.Use of a Vacation Package; and
e.Act or omission of any travel supplier, including its failure to perform as expected or
described or if travel services are substituted or changed in any way or cancelled in
whole or part.
This release binds your legal representatives, heirs, successors and assigns.
25.Should circumstances beyond the Centre’s control result in a travel service supplier’s
failure to provide a Vacation Package which you have redeemed or booked, the Centre
may attempt (but is not required) to arrange a suitable replacement Vacation Package or
may choose (but is not required) to credit Vacation Dollars to your Vacationgold Rebate
Account and, if you charged a portion of the Vacation Package’s cost to your Card, credit
your Credit Card Account for the same. Regardless, neither CIBC nor the Centre is
responsible for any costs you may have incurred in relation to a Vacation Package which is
cancelled by a travel service supplier.
26.We may amend, suspend or terminate all or any part of the Program at any time and
will notify you by sending the Primary Cardholder a notice (written or electronic) or posting
a notice on the Website, which will be effective when posted. If we make a change to these
Terms and Conditions that is non-material or to your benefit, we will notify you by posting a
notice on the Website, where you can always locate the most up to date version. Any
changes to these Terms and Conditions or the Program may affect Vacation Dollars which
you may have already accumulated and/or any future accumulations.
27.The following provisions only apply to Vacationgold Rebate Accounts where the
Primary Cardholder is a Quebec resident: We will provide the Primary Cardholder with 60
days’ notice of any change to an essential term of these Terms and Conditions and 30
days’ notice of any other change. The notice will include a comparison of the existing and
new terms and the effective date of the change. The Primary Cardholder may refuse any
change by cancelling its Vacationgold Rebate Account by notice to CIBC within 30 days
after the effective date of the change without cost, penalty or cancellation indemnity.
28.You are responsible for any tax liability and tax reporting obligations that arise from your
use of the Program.
29.Independent third party service providers and suppliers may provide supplies and
services for the Program, including the Centre. All travel services are provided by Merit
Travel Group, which is an independent travel agency. Registration Numbers: ON-
4499356/4499372: BC-33127/34799/34798: QC-7002238.
30.These Terms and Conditions will be governed by and interpreted in accordance with
Canadian law. The courts in the Canadian province or territory in which the Primary
Cardholder of a Visa Account resides (or of Ontario, if he/she resides outside Canada) will
have exclusive jurisdiction over any disputes arising in connection with Vacation Dollars
and/or these Terms and Conditions.
31.Capitalized terms that are used and not defined in these Terms and Conditions will
have the following meanings:
a.Authorized User has the meaning set out in your CIBC Cardholder Agreement
b.Card means a CIBC Vacationgold Visa* Card.
c.CIBC, us or we means Canadian Imperial Bank of Commerce.
d.CIBC Cardholder Agreement means the cardholder agreement governing your
Credit Card Account, as amended and replaced from time to time.
e.Centre means the CIBC Rewards Centre, which provides travel and other services
related to the Program by phone.
f.Credit Card Account has the meaning set out in your CIBC Cardholder Agreement.
g.Good Standing has the meaning set out in your CIBC Cardholder Agreement.
h.including means “including, but not limited to”.
i.Monthly Statement means the monthly statement sent to the Primary Cardholder with
respect to the Credit Card Account.
j.Net Purchase Price means the net purchase price of a Vacation Package after
deducting the value of any Vacation Dollars which were redeemed in connection with
such purchase.
k.Primary Cardholder has the meaning set out in your CIBC Cardholder Agreement.
l.Program means the Vacationgold Rewards Program.
m.Terms and Conditions means this list of terms and conditions that apply to the
Program.
n.Vacation Dollars means the rewards issued pursuant to the Program.
 o.Vacation Package means a cruise, a tour or other assembly of accommodation plus
an airline ticket and/or other transportation promoted for a single price by a major tour
operator and offered by the Centre.
p.Vacationgold Rebate Account means the Vacation Dollars account linked to the
Pimary Cardholder’s Credit Card Account.
q.Website means the website operated by the Centre and which is located
at www.CIBCRewards.com or such other website address(es) that replace it.
r.you means a Primary Cardholder or Authorized User, as applicable.
Visa* is a trademark of Visa International Service Association and used under license.
All other trademarks are owned by CIBC or related entities.