SIMPSON MYRANDA

CIBC Classic VisaTM Card Account number

4501 1000 1596 2669
Statement Date
January 19, 2021
Your account at a glance January statement period
December 20, 2020 to January 19, 2021
Previous balance $5,747.24
Payments $143.68 Contact us
Customer Service 1 800 465-4653
Other credits 0.00 Lost/Stolen 1 800 663-4575
Total credits - $143.68 TTY 1 877 331-3338
Online www.cibc.com
Purchases 27.06
Cash advances 0.00 Summary Credit† Cash†
Interest 1.02 Limit $7,000.00 $7,000.00
Fees 0.00 Available $1,368.36 $1,368.00

Total charges + $28.08 Interest rates Annual

Total balance = $5,631.64
*030103G000*

Regular purchases 24.99%

Cash advances 27.99%
Your payment due this month
Balance transfers 0.00%
Amount Due1 $5,631.64
Minimum Payment 2 $140.79
Please pay this amount by Feb 16, 2021
*030103G000*

Tear Off here Please turn over - Transactions begin on page 2 Page 1 of 5
CIBC Classic Visa Payment options Account number 4501 1000 1596 2669
• Online Banking: www.cibc.com
Card • Telephone Banking: 1 800 465-CIBC (2422) Amount Due $5,631.64
• CIBC bank machines and most financial
institutions Minimum Payment due by
• Mail: Return completed slip with your cheque Feb 16, 2021 $140.79
or money order payable to CIBC.
For general inquiries call Total payment enclosed $_____________
1 800 465-4653

Do not staple or attach correspondence.

000084
SIMPSON MYRANDA
188-000084

157 RUE JEANNE-D'ARC

GATINEAU QC J8Y 2J1 CIBC
PO BOX 4595 STN A
TORONTO ON M5W 4X9

00004501100015962669000000056316400000000140797
 Transactions from December 20, 2020 to January 19, 2021
Your payments
Trans Post
date date Description Amount($)
Jan 11 Jan 12 PAYMENT THANK YOU/PAIEMENT MERCI 143.68
Total payments $143.68

Your interest
Trans Post
date date Description Annual interest rate Amount($)
Jan 19 Jan 19 REGULAR PURCHASES 24.99% 1.02
Total interest this period $1.02

Your new charges and credits

Trans Post
date date Description Spend Categories Amount($)
Card number 4501 1000 1596 2669
Jan 16 Jan 18 RESTAURANTE LA LUNA GUANACASTE Foreign Currency Transactions 27.06
20.68 USD @ 1.308510638**
Total for 4501 1000 1596 2669 $27.06
** Denotes transaction in foreign currency

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Information about your CIBC Classic Visa Card account

If you find an error or irregularity (including possible unauthorized or Balance, your payment due date will change back to your regular †Your cash limit forms part of your credit limit. It is not additional credit.
fraudulent Transactions) in this statement you must tell us within 30 payment due date.
days of this Statement Date. If you do not, we may regard this statement For more information, please refer to the CIBC Cardholder Agreement.
as final (except for credits posted in error). Your statement (including the Balance and Minimum Payment) only
How we charge interest:.. If interest is charged on a Purchase, it reflects Transactions that were posted as of the Statement Date. If you TM* Trademark of CIBC.
is charged retroactively from the Transaction date. You have a minimum made a payment but it has not yet been posted, it will appear on your
21 day interest-free grace period for new Purchases. You can avoid next monthly statement and any interest charges will be adjusted based
interest on those new Purchases by paying your new balance in full by on the transaction date and payment amount. Check CIBC Online
the payment due date. Banking for the status of your payments and your most up to date
Interest is charged on Cash Advances from the date they are taken. Balance.
Interest is charged on Convenience Cheques and Balance Transfers from
the date they are posted to your credit card account. We stop charging **Foreign currency Transactions, except Convenience Cheques, are
interest on the day we receive a payment which covers the amount of converted to Canadian dollars on or after the Transaction date and no
the Purchase, Cash Advance, Balance Transfer or Convenience Cheque, later than the Transaction posting date. At the time of currency
as the case may be, as described in the Application of Payments section conversion, you are charged the same conversion rate CIBC must pay,
of your CIBC Cardholder Agreement. plus a fee of 2.5% of the converted amount, on both debits and credits.
We convert a foreign currency Convenience Cheque or payment at our
If you choose to convert an eligible Purchase into an Installment Plan, branch selling rate for Canadian dollars in effect at the time we process
interest will be charged on that Installment Plan at the interest rate you it.
agreed to at the time of conversion and in the manner set out in the
Installment Plan Terms and Conditions. 1Amount Due is the amount you must pay if you want to avoid
interest on your regular purchases shown on this statement.
Payment period extensions:. If you didn't pay the full Balance on 2
Minimum Payment is the minimum amount you must pay this
your last monthly statement, we have extended your payment due date month and it includes your monthly installment payments due (if
this month to give you extra time to make your payment. Interest will applicable).
continue to accrue for the extended period. When we receive your full
 Prepared for: SIMPSON MYRANDA December 20 , 2020 to January 19, 2021 Account number: 4501 1000 1596 2669

CIBC CreditSmartTM* Spend Report

This month Year-to-date
Spend Categories Transactions Amount($) Budget ($) Difference ($) Transactions Amount ($)
Foreign Currency Transactions 1 27.06 - - 1 27.06

Total 1 27.06 1 $27.06

Transactions are assigned a spend category based on where the goods or services are purchased, not on what was purchased. For example,
items purchased at a convenience store in a gas station will appear under Transportation, not Retail and Grocery.

A negative difference (–) means you spent more than you budgeted.
Amount($) Budget ($) Difference ($)
Total Monthly Budget 27.06 - -

Reminder: If you only make the minimum payment every month, it will take approximately 98 year(s) and 9 month(s) to pay the
total balance shown on this statement. This estimate assumes each statement period is 30 days and that you pay your minimum
payment on time every month.

Your message centre

*030204G000*

You have promotional interest rate Balance Transfer (BT) on your account during this statement period. If you miss two
consecutive Required Payments, you will lose the benefit of your promotional BT interest rate and any remaining balance(s) will
then be subject to the regular Cash Advances interest rate applicable to your account. The increase would be effective the next
statement period following the second consecutive missed payment. You can find your current regular Cash Advances interest
rate in the “Interest Rates” section of this statement.

We are pleased to reduce your annual interest rates based on your positive payment history. Your interest rates will change
*030204G000*

from the rates shown in the “Interest Rates” section of this statement to 19.99% for Purchases and 22.99% for Cash
Advances, Balance Transfers and Convenience Cheques. These reduced annual interest rates will be effective immediately
following this Statement Date.

Capitalized terms used in this message have the meanings given to them in your CIBC Cardholder Agreement. Your Summary
of Rates and Fees is amended.

Information on upcoming changes to your CIBC Credit Card Account

We are making changes to your CIBC Credit Card Annual Summary of Rates and Fees. We have set out details of these
changes below that will take effect April 1, 2021, unless otherwise noted. You can continue using your card just as you do
today.

Changes to Annual Interest Rates:

1. For Quebec residents: The annual interest rate for Cash Advances, Balance Transfers and Convenience Cheques will
decrease as follows:

Current: The annual interest rate for Cash Advances, Balance Transfers and Convenience Cheques is 22.99%

Effective the first day of the period covered by your April 2021 monthly statement: The annual rate of interest for
Cash Advances, Balance Transfers and Convenience Cheques is 21.99%

If you are currently paying a Cash Advance annual interest rate of 27.99%, this change will not apply until you return to your
regular annual interest rates after you have made twelve consecutive Required Payments.

2. We are clarifying information in the Annual Interest Rates section (See below Note A).

Changes to Minimum Payment:

-188-000084

3. We are clarifying the Minimum Payment definition (See below Note B).

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Your message centre (continued)
All other fees, rates and terms remain unchanged. By continuing to use your credit card account after the changes take effect,
you are accepting these changes. Of course, you have the option to cancel your credit card account without cost within 30
days of the changes taking effect by contacting us at 1 800 465-4653 in Canada & the U.S., or from elsewhere collect at 514
861-4653; alternatively you may contact your CIBC Banking Advisor. You remain responsible for repaying all amounts
outstanding on your credit card account on the date of cancellation. Capitalized terms used in this message have the meanings
set out in your CIBC Cardholder Agreement unless otherwise defined.

Visit www.cibc.com for tips and advice to help you get the best from your CIBC credit card. Plus, learn about the tools
available to help you save money, make payments and manage your card.

We appreciate your business and look forward to continuing to meet your financial needs.

Notes

A. Current: If you do not make your Required Payment by the payment due date 2 times in any 12 month period, your
interest rate will increase to 24.99% on Purchases and 27.99% on Cash Advances, Balance Transfers and Convenience
Cheques (19.99% for Purchases, Cash Advances, Balance Transfers and Convenience Cheques for CIBC Select Visa) for at least
12 months. This increase will take effect in the third statement period following the missed payment that caused the rate to
increase. These increases do not apply to Visa Infinite Privilege*. Except for Quebec residents, Required Payment means $10
plus any interest (excluding Installment Plan interest) and fees (excluding the annual fee) plus any past due amounts. For
Quebec residents, Required Payment means your Percent of Amount Due (defined below) plus any past due amounts. For all
clients, if your Balance excluding Installment Plans is under $10, that amount is your Required Payment

Effective April 1, 2021: If you do not make your Required Payment by the payment due date 2 times in any 12 month period,
your interest rate may increase to 24.99% on Purchases and 27.99% on Cash Advances, Balance Transfers and Convenience
Cheques (19.99% for Purchases, Cash Advances, Balance Transfers and Convenience Cheques for CIBC Select Visa) for at least
12 months. This increase will take effect in the third statement period following the missed payment that caused the rate to
increase. These increases do not apply to Visa Infinite Privilege*.

For all clients other than Quebec residents , your Required Payment means:
a) any interest (excluding Installment Plan interest); plus
b) fees (excluding the annual fee); plus
c) any past due amount; plus
d) the lesser of either $10, or your Amount Due minus a) to c).

For Quebec residents , Required Payment means any past due amount plus the greater of your Percent of Amount Due
(defined below) or $10.

For all clients including Quebec residents, if your Balance excluding Installment Plans is under $10, that lesser amount is your
Required Payment.

B. Current: Except for Quebec residents, your Minimum Payment is $10 plus any interest (excluding Installment Plan interest)
and fees (excluding the annual fee) plus the sum of any Installment Plan payments (which includes interest) due on that
statement plus the greater of either any amount that exceeds your credit limit or any past due amount. Effective August 1,
2019: For Quebec residents, your Minimum Payment is your Percent of Amount Due plus the greater of either any amount
that exceeds your credit limit or any past due amount. For Quebec residents with new Accounts, your Percent of Amount Due
means 5% of your Amount Due. For Quebec residents with existing Accounts, your Percent of Amount Due means:

• 2% of your Amount Due starting August 1, 2019

• 2.5% of your Amount Due starting August 1, 2020
• 3% of your Amount Due starting August 1, 2021
• 3.5% of your Amount Due starting August 1, 2022
• 4% of your Amount Due starting August 1, 2023
• 4.5% of your Amount Due starting August 1, 2024
• 5% of your Amount Due starting August 1, 2025

For all clients, if your Amount Due is under $10, that amount is your Minimum Payment.

Effective April 1, 2021: For all clients other than Quebec residents, your Minimum Payment is:
a) any interest (excluding Installment Plan interest); plus
b) fees (excluding the annual fee); plus
c) all Installment Plan payments due (which includes interest) on that statement; plus
d) the greater of either any amount that exceeds your credit limit or any past due amount; plus

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 Prepared for: SIMPSON MYRANDA December 20 , 2020 to January 19, 2021 Account number: 4501 1000 1596 2669

Your message centre (continued)

e) the lesser of either $10, or your Amount Due minus a) to d).

For Quebec residents, your Minimum Payment is (a) the greater of your Percent of Amount Due or $10 plus (b) the greater of
either any amount that exceeds your credit limit or any past due amount. For Quebec residents with Accounts opened on or
after August 1, 2019, your Percent of Amount Due means 5% of your Amount Due. For Quebec residents with Accounts
opened before August 1, 2019, your Percent of Amount Due means:

• 2% of your Amount Due starting August 1, 2019

• 2.5% of your Amount Due starting August 1, 2020
• 3% of your Amount Due starting August 1, 2021
• 3.5% of your Amount Due starting August 1, 2022
• 4% of your Amount Due starting August 1, 2023
• 4.5% of your Amount Due starting August 1, 2024
• 5% of your Amount Due starting August 1, 2025

For all clients including Quebec residents, if your Amount Due is under $10, that lesser amount is your Minimum Payment.
*030305G000*

*Trademark of Visa Int., used under license

All other trademarks are owned by CIBC or related entities.

Enhanced transaction details

Easily recognize your credit card transactions by clicking on them on CIBC Mobile or Online Banking to see additional merchant
details including merchant contact details and address. Not using CIBC digital banking yet? Learn how to register at
http://cibc.com/howtoregister
*030305G000*

Lose the clutter and reduce your environmental impact with eStatements
If you haven’t already made the switch, try going paperless to enjoy the benefits and convenience of receiving your statement
electronically. You can view up to 7 years of your CIBC credit card and bank account eStatements! Sign on and go to
http://cibc.com/estatements or call 1 800 465-4653 to make the switch.
-188-000084

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