Toronto, January 16, 2013 -- Moody's Investors Service has assigned definitive ratings to the Fixed Rate Class A and Fixed Rate Class B Series 2013-1 Notes (the "Series 2013-1 Notes") issued by CARDS II Trust. The Trust holds co-ownership interests in credit card receivables backed by a pool of approximately $13.4 billion in receivables originated and serviced by Canadian Imperial Bank of Commerce ("CIBC", Aa2 on review for downgrade/P-1).

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