Resolution NYE Gala

Cibc Dividend Visa Cardholder Agreement

1 Earn 4% cashback on purchases, fewer returns, at merchants classified by the credit card network such as grocery stores or gas stations or automated gas dispensers. Earn 2% cashback on purchases, less returns, at resellers identified by the reseller`s payment terminal such as Tim Hortons or telus. Certain Tim Hortons and TELUS sites may be identified as other resellers by the dealer`s payment terminal. All other purchases earn 1% cashback. 4% and 2% cashback offers are only available for the first US$80,000 of net annual card purchases, i.e. all card purchases of all cardholders from any type of reseller or US$20,000 for gas, food, Tim Hortons or TELUS purchases on your account, whichever happens first; Thereafter, net card purchases from all merchants, including grocery stores, gas stations and gas vending machines, Tim Hortons or TELUS, will receive cashback at the standard rate of 1%. The $80,000 limit and the $20,000 limit will be reduced to zero after your December statement print date. The terms and conditions of sale and the merchants and categories of eligible merchants are subject to change without notice. Cashback is earned on card purchases minus returns and not cash advances, interest, fees, balance transfers, payments and regular cibc convenience cheques. Credits for returns made to your account may result in a cashback deduction at a higher rate of pay, although the return may relate to a purchase where cashback was earned at a lower price. 6 The reward calculator tool is for general illustration purposes only; Actual results may differ. Aventura Points and cashbacks are earned for card purchases less returns and not for cash advances, interest, fees, balance transfers, payments, regular cashouts ciBC Convenience Cheques and Aventura Point. For the Aventura Visa Infinite Card, an additional 50% Aventura Points for gas, food and pharmacy card purchases are only available for the first $80,000 of annual net card purchases on your account (i.e.

all card purchases of all cardholders from any type of merchant); Subsequently, net card purchases from food, pharmacy and gas distributors receive Aventura points at the normal rate. 4 Interest rates change from time to time at least 30 days in advance to the primary cardholder. “Purchase” means card purchases less returns and does not include: cash advances, interest, fees, balance transfers, payments or ciBC Convenience Cheques. “cash”, cash advances, credit transfers and convenience cheques from the BANK. From February 1, 2021: Earn 4% cashback on purchases, fewer returns, at merchants classified by the credit card network such as grocery stores and supermarkets or gas stations and automated gas pumps. Earn 2% cashback on purchases, net of returns, from merchants classified (i) by the credit card network as local and subural commuters in Canada, including subway, streetcar, taxi, limousine and ride-sharing services (excluding merchants who can be classified as travel services or travel reservations such as air transportation, car rental and cruises), (ii) restaurants and restaurants, bars and fast food outlets (iii) Payments that are authorized to a merchant to be made regularly daily, monthly or annually, and that are considered recurring by merchants. All other purchases earn 1% cashback. Cashback offers of 4% and 2% are only available for the first US$80,000 in annual net card purchases, i.e. all card purchases of all cardholders from any type of merchant or US$20,000 in grocery stores, supermarkets, gas stations and automated gas stations, commuter transportation, meals and drinks and restaurants or in case of recurring payments to your account. depending on what happens first; Thereafter, net card purchases at all merchants, including grocery stores, supermarkets, gas stations and ATMs, commuter transportation, meal and beverage places and restaurants, or in case of recurring payment, receive cashback at the standard rate of 1%. . .

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