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C I B C P R I V A T E W E A L T H M A N A G E M E N T

CIBC PRIVATE WEALTH MANAGEMENT

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C I B C P R I V A T E W E A L T H M A N A G E M E N T C I B C P R I V A T E W E A L T H M A N A G E M E N T



C I B C P R I V A T E W E A L T H M A N A G E M E N T

Canadian Imperial Bank of Commerce (CIBC) is aleading Canadian-based global financial institution.Through our three major operating groups, CIBCRetail and Business Banking, CIBC Wealth Management,and CIBC Wholesale Banking, CIBC provides a fullrange of financial products and services to almost 11 million individual, small business and commercial,corporate and institutional clients in Canada andaround the world.

CIBC RETAIL AND BUSINESS BANKING

CIBC Retail and Business Banking comprises CIBC’spersonal banking, business banking and commercialbanking businesses. We provide a suite of productsand services to meet the financial needs of our business and retail clients in Canada. In additionwe offer a full range of financial services to clientsin 17 regional markets in the Caribbean through FirstCarribean International Bank

CIBC WEALTH MANAGEMENT

CIBC Wealth Management comprises the investmentmanagement, retail brokerage, and private wealth

management businesses of CIBC. Together these businesses combine to provide a broad range of financialand wealth management services to self-directed investors, high net worth individuals, and institutionalclients. Within CIBC Wealth Management, CIBC PrivateWealth Management offers expert financial counsel, innovative wealth strategies, custom tailored solutionsand exceptional service to help affluent clients achievetheir financial goals. CIBC Private Wealth Managementmaintains offices in Canada and internationally.

WHOLESALE BANKING

(CIBC WORLD MARKETS INC.)CIBC World Markets Inc. is the wholesale banking armof CIBC. Operating in Canada, the United States andother key global markets, they provide a wide range ofcredit, capital markets, investment banking, merchantbanking and research products and services to government, institutional, corporate and retail clients.Areas of specialization include investment and corporate banking, mergers and acquisitions, merchantbanking, and equities, fixed income and foreign exchange trading.

THE CIBC GROUP OF COMPANIES


Canadian Imperial Bank of Commerce (CIBC) is aleading Canadian-based global financial institution.Through our three major operating groups, CIBCRetail and Business Banking, CIBC Wealth Management,and CIBC Wholesale Banking, CIBC provides a fullrange of financial products and services to almost 11 million individual, small business and commercial,corporate and institutional clients in Canada andaround the world.

CIBC RETAIL AND BUSINESS BANKING

CIBC Retail and Business Banking comprises CIBC’spersonal banking, business banking and commercialbanking businesses. We provide a suite of productsand services to meet the financial needs of our business and retail clients in Canada. In additionwe offer a full range of financial services to clientsin 17 regional markets in the Caribbean through FirstCarribean International Bank

CIBC WEALTH MANAGEMENT

CIBC Wealth Management comprises the investmentmanagement, retail brokerage, and private wealth

management businesses of CIBC. Together these businesses combine to provide a broad range of financialand wealth management services to self-directed investors, high net worth individuals, and institutionalclients. Within CIBC Wealth Management, CIBC PrivateWealth Management offers expert financial counsel, innovative wealth strategies, custom tailored solutionsand exceptional service to help affluent clients achievetheir financial goals. CIBC Private Wealth Managementmaintains offices in Canada and internationally.

WHOLESALE BANKING

(CIBC WORLD MARKETS INC.)CIBC World Markets Inc. is the wholesale banking armof CIBC. Operating in Canada, the United States andother key global markets, they provide a wide range ofcredit, capital markets, investment banking, merchantbanking and research products and services to government, institutional, corporate and retail clients.Areas of specialization include investment and corporate banking, mergers and acquisitions, merchantbanking, and equities, fixed income and foreign exchange trading.

THE CIBC GROUP OF COMPANIES


MANAGING THE FINANCIAL AFFAIRS

OF AFFLUENT CANADIANS

CIBC Private Wealth Management focuses exclusively on providing financial stewardship toCanada’s wealthiest and most established families,successful entrepreneurs and professionals, giftedathletes and entertainers, top executives from bothprivate and public corporations, as well as privateholding companies, trusts, estates, charitable foundations and First Nations.

As a CIBC Private Wealth Management client, you benefit from a personal financial advisory relationship that is as unique and individual as youare. Through a dedicated team of world-class advisors, you will enjoy a private client experiencebuilt on a deep client understanding, as we providesophisticated financial counsel and custom-tailoredwealth management solutions – delivered with impeccable service.

A TRUSTED TEAM OF

MULTI-DISCIPLINARY EXPERTS

The financial affairs of our clients are guided by ateam of highly respected and specialized advisors.

Your team is carefully assembled based on yourunique needs and is comprised of only CIBC’s bestadvisors from CIBC Private Banking, CIBC Private Investment Counsel, CIBC Wood Gundy, CIBC Trust,CIBC Wealth Advisory Services, CIBC FinancialPlanning, CIBC Business Banking and CIBC Commercial Banking. Most importantly, all ofyour advisors are highly accredited and seasonedprofessionals who will provide the expert counselyou require, both today and in the coming years.

UNDERSTANDING SOPHISTICATED

CLIENTS – IT’S OUR BUSINESS

Our exceptional service starts with a unique personal discovery process – one that affords a valuable opportunity to reflect on and gain true clarity about your objectives, goals and needs.

Our process allows us to establish a thorough understanding of your personal values, ideal future and all aspects of your financial and family situation. This includes learning about your lifestyle and liquidityneeds; investment style and risk tolerance; tax situation;and your intended legacy for future generations and the causes you care about the most.

Through this insight, we can craft a sound financial plan that will support and sustain your values, simplifyand organize your affairs and provide the strategies you need to tax efficiently preserve, grow and transitionyour wealth.

EXCLUSIVE WEALTH MANAGEMENT

STRATEGIES AND SOLUTIONS

Your team of advisors will formulate innovative wealthmanagement strategies that are deliberate, reasonedand, most importantly, effective in achieving your goals.

With access to a full spectrum of products and servicesfrom across the CIBC group of companies, your advisoryteam will design and help create personally-tailored solutions in all key areas of wealth management.

A STERLING LEVEL OF SERVICE

Impeccable service is the hallmark of CIBC PrivateWealth Management; you can count on receiving an exceptional level of personalized service from all membersof your advisory team. And, of course, your relationshipand financial affairs will always be held in the strictestconfidence and managed with the utmost discretion.



MANAGING THE FINANCIAL AFFAIRS

OF AFFLUENT CANADIANS

CIBC Private Wealth Management focuses exclusively on providing financial stewardship toCanada’s wealthiest and most established families,successful entrepreneurs and professionals, giftedathletes and entertainers, top executives from bothprivate and public corporations, as well as privateholding companies, trusts, estates, charitable foundations and First Nations.

As a CIBC Private Wealth Management client, you benefit from a personal financial advisory relationship that is as unique and individual as youare. Through a dedicated team of world-class advisors, you will enjoy a private client experiencebuilt on a deep client understanding, as we providesophisticated financial counsel and custom-tailoredwealth management solutions – delivered with impeccable service.

A TRUSTED TEAM OF

MULTI-DISCIPLINARY EXPERTS

The financial affairs of our clients are guided by ateam of highly respected and specialized advisors.

Your team is carefully assembled based on yourunique needs and is comprised of only CIBC’s bestadvisors from CIBC Private Banking, CIBC Private Investment Counsel, CIBC Wood Gundy, CIBC Trust,CIBC Wealth Advisory Services, CIBC FinancialPlanning, CIBC Business Banking and CIBC Commercial Banking. Most importantly, all ofyour advisors are highly accredited and seasonedprofessionals who will provide the expert counselyou require, both today and in the coming years.

UNDERSTANDING SOPHISTICATED

CLIENTS – IT’S OUR BUSINESS

Our exceptional service starts with a unique personal discovery process – one that affords a valuable opportunity to reflect on and gain true clarity about your objectives, goals and needs.

Our process allows us to establish a thorough understanding of your personal values, ideal future and all aspects of your financial and family situation. This includes learning about your lifestyle and liquidityneeds; investment style and risk tolerance; tax situation;and your intended legacy for future generations and the causes you care about the most.

Through this insight, we can craft a sound financial plan that will support and sustain your values, simplifyand organize your affairs and provide the strategies you need to tax efficiently preserve, grow and transitionyour wealth.

EXCLUSIVE WEALTH MANAGEMENT

STRATEGIES AND SOLUTIONS

Your team of advisors will formulate innovative wealthmanagement strategies that are deliberate, reasonedand, most importantly, effective in achieving your goals.

With access to a full spectrum of products and servicesfrom across the CIBC group of companies, your advisoryteam will design and help create personally-tailored solutions in all key areas of wealth management.

A STERLING LEVEL OF SERVICE

Impeccable service is the hallmark of CIBC PrivateWealth Management; you can count on receiving an exceptional level of personalized service from all membersof your advisory team. And, of course, your relationshipand financial affairs will always be held in the strictestconfidence and managed with the utmost discretion.



SERVING YOU ACROSS CANADA

CIBC Private Wealth Management maintains offices inthe following Canadian cities:

• Toronto • Mississauga • Calgary• Ottawa • Hamilton • Edmonton• Montreal • London • Vancouver• Victoria • Winnipeg • Thornhill

However, we are pleased to work with clients residingin other cities to establish a suitable and convenient location to do business.

INTERNATIONAL REACH

CIBC Private Wealth Management has extensive andproven experience operating in a variety of regulatoryenvironments and a long-established presence in several of the world’s leading offshore banking centres.

CIBC’s international locations have been carefully selected based on their stability and business infrastructure. Complementing our business operationsin Canada, we have offices in:

• Bahamas • Hong Kong • Cayman Islands

LEVERAGING EXPERTISE FROM ACROSS

CIBCTo guide our clients’ financial affairs, CIBC PrivateWealth Management draws on its unique expertise inconjunction with strategic partnerships within CIBC:


CIBC Private BankingCIBC Private Investment CounselCIBC TrustCIBC Wealth Advisory ServicesCIBC Financial PlanningCIBC Private Wealth Management International Services

STRATEGIC PARTNERSHIPS

CIBC Wood GundyCIBC Business BankingCIBC Commercial Banking


SERVING YOU ACROSS CANADA

CIBC Private Wealth Management maintains offices inthe following Canadian cities:

• Toronto • Mississauga • Calgary• Ottawa • Hamilton • Edmonton• Montreal • London • Vancouver• Victoria • Winnipeg • Thornhill

However, we are pleased to work with clients residingin other cities to establish a suitable and convenient location to do business.

INTERNATIONAL REACH

CIBC Private Wealth Management has extensive andproven experience operating in a variety of regulatoryenvironments and a long-established presence in several of the world’s leading offshore banking centres.

CIBC’s international locations have been carefully selected based on their stability and business infrastructure. Complementing our business operationsin Canada, we have offices in:

• Bahamas • Hong Kong • Cayman Islands

LEVERAGING EXPERTISE FROM ACROSS

CIBCTo guide our clients’ financial affairs, CIBC PrivateWealth Management draws on its unique expertise inconjunction with strategic partnerships within CIBC:


CIBC Private BankingCIBC Private Investment CounselCIBC TrustCIBC Wealth Advisory ServicesCIBC Financial PlanningCIBC Private Wealth Management International Services


CIBC Wood GundyCIBC Business BankingCIBC Commercial Banking


CIBC PRIVATE BANKING

CIBC Private Banking focuses on creating bothsimple and specialized financial strategiesthrough single and multi-currency solutions tomeet the day-to-day banking, cash managementand credit management needs of our clients.

Our seasoned Private Banking Advisors have extensive experience in managing the financialassets and liabilities of highly affluent clients. Limiting their services to a select number of client relationships allows for a more intimate understanding of your goals and objectives, ultimately ensuring you receive only the highestlevel of personal service and attention.

In addition to providing holistic private bankingstrategies and solutions, your Private Banking Advisor can also act as your lead advisor in liaisingwith your other Private Wealth Management advisors, as well as your other personal advisors (accountants, lawyers and and tax professionals).

CIBC PRIVATE INVESTMENT COUNSEL

CIBC Private Investment Counsel (CPIC) offers discretionary investment management services toclients, businesses, trusts, estates, charitablefoundations and other not-for-profit organizationswith investable assets of at least $1 million.

Managing client assets on a discretionary basisthrough segregated accounts and investmentpools, our selection of diversified investment opportunities in both broad and specialized markets enables us to manage money for private investors with the same proficiency available tolarge pension funds and corporate investors.

Investment management services are provided primarilyby CIBC Global Asset Management Inc. (CGAM), the institutional investment management division of CIBC.

In addition, CIBC Private Investment Counsel augmentsits investment platform with recognized third-partymanagers. These managers are selected and monitoredthrough rigorous quantitative and qualitative analysisdone by CIBC Asset Management Inc. A team of dedicated investment professionals employs a thorough,systematic and objective due diligence process toidentify the highest caliber investment managers tosub-advise on CIBC product offerings.

All of our investment managers bring a history of performance, recognized strengths and a variety ofinvestment styles. The breadth and depth of our investment offering in Canadian, U.S. and globalmarkets is made possible by our access to the globalresources of CIBC.

Our clients have a dedicated CPIC Investment Counsellorthat will work with you and your advisors to designtax-efficient investment strategies for achieving yourgoals. You will continue to be involved throughoutthe process, but are free from the day-to-day management of your investments.

Like all Private Wealth Management advisors, your Investment Counsellor maintains relationships withonly a select number of clients and is a recognized industry professional with the educational qualificationsand experience to effectively steward your wealth.

The following is a brief description of the expertise available to youthrough our partners.


CIBC PRIVATE BANKING

CIBC Private Banking focuses on creating bothsimple and specialized financial strategiesthrough single and multi-currency solutions tomeet the day-to-day banking, cash managementand credit management needs of our clients.

Our seasoned Private Banking Advisors have extensive experience in managing the financialassets and liabilities of highly affluent clients. Limiting their services to a select number of client relationships allows for a more intimate understanding of your goals and objectives, ultimately ensuring you receive only the highestlevel of personal service and attention.

In addition to providing holistic private bankingstrategies and solutions, your Private Banking Advisor can also act as your lead advisor in liaisingwith your other Private Wealth Management advisors, as well as your other personal advisors (accountants, lawyers and and tax professionals).

CIBC PRIVATE INVESTMENT COUNSEL

CIBC Private Investment Counsel (CPIC) offers discretionary investment management services toclients, businesses, trusts, estates, charitablefoundations and other not-for-profit organizationswith investable assets of at least $1 million.

Managing client assets on a discretionary basisthrough segregated accounts and investmentpools, our selection of diversified investment opportunities in both broad and specialized markets enables us to manage money for private investors with the same proficiency available tolarge pension funds and corporate investors.

Investment management services are provided primarilyby CIBC Global Asset Management Inc. (CGAM), the institutional investment management division of CIBC.

In addition, CIBC Private Investment Counsel augmentsits investment platform with recognized third-partymanagers. These managers are selected and monitoredthrough rigorous quantitative and qualitative analysisdone by CIBC Asset Management Inc. A team of dedicated investment professionals employs a thorough,systematic and objective due diligence process toidentify the highest caliber investment managers tosub-advise on CIBC product offerings.

All of our investment managers bring a history of performance, recognized strengths and a variety ofinvestment styles. The breadth and depth of our investment offering in Canadian, U.S. and globalmarkets is made possible by our access to the globalresources of CIBC.

Our clients have a dedicated CPIC Investment Counsellorthat will work with you and your advisors to designtax-efficient investment strategies for achieving yourgoals. You will continue to be involved throughoutthe process, but are free from the day-to-day management of your investments.

Like all Private Wealth Management advisors, your Investment Counsellor maintains relationships withonly a select number of clients and is a recognized industry professional with the educational qualificationsand experience to effectively steward your wealth.

The following is a brief description of the expertise available to youthrough our partners.


CIBC TRUST CORPORATION

CIBC Trust specializes in estate and trust planningand administration, and has been meeting the estateand trust needs of Canadians for more than 90 years.

CIBC Trust offers a wide range of estate and trustsolutions including:

• Corporate Executor Appointment: Appointmentof CIBC Trust as an executor to help attain theefficient and professional settlement of your estate for the benefit of your loved ones.

• Agent for the Executor, Trustee or Attorney:Balancing personal commitments with thetasks demanded of an executor, trustee or individual acting as power of attorney can beburdensome. CIBC Trust understands these difficulties and can help executors and powersof attorney fulfill their duties.

• Trust Administration: Complex financial affairsdemand solutions that preserve asset value.Our trust professionals have the expertise toadminister your complex trust structures tobuild a lasting legacy.

• Power of Attorney: Appointing CIBC Trust asyour power of attorney for financial affairs results in the professional administration ofyour assets during incapacity.

Whether your situation calls for sophisticated estate planning strategies, intergenerationalwealth transfer or tax minimization, CIBC Trustcan provide guidance and solutions to help meetyour goals.

CIBC WEALTH ADVISORY SERVICES

Individuals, families and business owners withsignificant assets have wealth planning needs beyond the capabilities of many financial institutions.To meet those needs we created CIBC WealthAdvisory Services.

CIBC Wealth Advisory Services maintains a teamof seasoned Wealth Advisors across the countrywith extensive expertise and accreditation inwealth planning. Their services are most appropriatefor clients with significant wealth of $5 million or more.

Using a comprehensive planning process to addresscomplex credit, investment, financial planning and trustneeds, our Wealth Advisors offer expertise in wealthplanning, estate planning, intergenerational wealthtransfer and tax-optimization strategies.

In addition, CIBC Wealth Advisory Services offers specialty expertise in tax planning and business transition planning through our in-house team ofprofessional experts:

JAMIE GOLOMBEK

MANAGING DIRECTOR, TAX AND ESTATE PLANNING


Jamie works closely with CIBC clients and their advisorsto deliver integrated tax and estate planning solutions.

He received his B.Comm. from McGill University, earned his Chartered Accountant (CA) designation in Ontario and qualified as a U.S. Certified Public Accountant (CPA) in Illinois. He has also obtained hisCertified Financial Planning (CFP) and Chartered LifeUnderwriting (CLU) designations.

He is quoted frequently in the national media as an expert on taxation and pens the weekly column "Tax Expert" for the National Post, which is nationallysyndicated across other regional Postmedia Networknewspapers.

SEAN FORAN

MANAGING DIRECTOR, BUSINESS TRANSITION PLANNING


While many affluent business owners are overwhelminglyintent on using the proceeds from the sale of theirbusiness as investment dollars and to fund their retirement, our research shows that less than half ofsmall- and medium-sized business owners have developed a formal transition plan or named a successor.

Sean Foran works with business owners to help themconfront their exit through a framework designed tohelp take the emotion out of the process. Called to theBar of Ontario in 1987, Sean’s law practice focusedexclusively on estate planning, working with businessowners and high net worth families. He led the businessowner transition planning practice at another majorCanadian bank and is the co-author of Succession StoriesFrom the Front Lines. Highly experienced in the disciplineand legal nuances of business transition planning, Seanworks closely with business owners and their advisors tohelp identify and resolve relevant issues and assist indeveloping formal transition plans and other valueadded exit strategies.


CIBC TRUST CORPORATION

CIBC Trust specializes in estate and trust planningand administration, and has been meeting the estateand trust needs of Canadians for more than 90 years.

CIBC Trust offers a wide range of estate and trustsolutions including:

• Corporate Executor Appointment: Appointmentof CIBC Trust as an executor to help attain theefficient and professional settlement of your estate for the benefit of your loved ones.

• Agent for the Executor, Trustee or Attorney:Balancing personal commitments with thetasks demanded of an executor, trustee or individual acting as power of attorney can beburdensome. CIBC Trust understands these difficulties and can help executors and powersof attorney fulfill their duties.

• Trust Administration: Complex financial affairsdemand solutions that preserve asset value.Our trust professionals have the expertise toadminister your complex trust structures tobuild a lasting legacy.

• Power of Attorney: Appointing CIBC Trust asyour power of attorney for financial affairs results in the professional administration ofyour assets during incapacity.

Whether your situation calls for sophisticated estate planning strategies, intergenerationalwealth transfer or tax minimization, CIBC Trustcan provide guidance and solutions to help meetyour goals.

CIBC WEALTH ADVISORY SERVICES

Individuals, families and business owners withsignificant assets have wealth planning needs beyond the capabilities of many financial institutions.To meet those needs we created CIBC WealthAdvisory Services.

CIBC Wealth Advisory Services maintains a teamof seasoned Wealth Advisors across the countrywith extensive expertise and accreditation inwealth planning. Their services are most appropriatefor clients with significant wealth of $5 million or more.

Using a comprehensive planning process to addresscomplex credit, investment, financial planning and trustneeds, our Wealth Advisors offer expertise in wealthplanning, estate planning, intergenerational wealthtransfer and tax-optimization strategies.

In addition, CIBC Wealth Advisory Services offers specialty expertise in tax planning and business transition planning through our in-house team ofprofessional experts:

JAMIE GOLOMBEK

MANAGING DIRECTOR, TAX AND ESTATE PLANNING


Jamie works closely with CIBC clients and their advisorsto deliver integrated tax and estate planning solutions.

He received his B.Comm. from McGill University, earned his Chartered Accountant (CA) designation in Ontario and qualified as a U.S. Certified Public Accountant (CPA) in Illinois. He has also obtained hisCertified Financial Planning (CFP) and Chartered LifeUnderwriting (CLU) designations.

He is quoted frequently in the national media as an expert on taxation and pens the weekly column "Tax Expert" for the National Post, which is nationallysyndicated across other regional Postmedia Networknewspapers.

SEAN FORAN

MANAGING DIRECTOR, BUSINESS TRANSITION PLANNING


While many affluent business owners are overwhelminglyintent on using the proceeds from the sale of theirbusiness as investment dollars and to fund their retirement, our research shows that less than half ofsmall- and medium-sized business owners have developed a formal transition plan or named a successor.

Sean Foran works with business owners to help themconfront their exit through a framework designed tohelp take the emotion out of the process. Called to theBar of Ontario in 1987, Sean’s law practice focusedexclusively on estate planning, working with businessowners and high net worth families. He led the businessowner transition planning practice at another majorCanadian bank and is the co-author of Succession StoriesFrom the Front Lines. Highly experienced in the disciplineand legal nuances of business transition planning, Seanworks closely with business owners and their advisors tohelp identify and resolve relevant issues and assist indeveloping formal transition plans and other valueadded exit strategies.


CIBC FINANCIAL PLANNING

CIBC Financial Planning Consultants provide customized financial and investment planning expertise to CIBC clients whose investment needs require an indepth personalized approach. Theseconsulting services are most appropriate for PrivateWealth Management clients with investment assetsunder $5 million.

CIBC Financial Planning combines the expertise of its Financial Planning Consultants with ‘best in class’solutions and investment tools to provide truly customized recommendations to meet our clients’unique financial goals.


INTERNATIONAL SERVICES

Through our offices in The Bahamas, Cayman Islands and Hong Kong, CIBC Private WealthManagement International Services combineslocal knowledge with global reach to meet theoffshore wealth management needs of individuals,entrepreneurs and businesses.

Our offshore services focus on:

• Banking • Trust • Investment management• Company management

Offshore services are an important planning resource forclients in the position of managing structures or assetsoutside Canada.

Our international advisors are experts in a host of disciplines – from private banking and trust servicesto institutional fund administration and global custody – and work closely with you to meet your financial objectives.

With knowledge, wisdom and dedication to personalized service, CIBC Private Wealth ManagementInternational Services can play a pivotal role in yournetwork of trusted advisors.


CIBC FINANCIAL PLANNING

CIBC Financial Planning Consultants provide customized financial and investment planning expertise to CIBC clients whose investment needs require an indepth personalized approach. Theseconsulting services are most appropriate for PrivateWealth Management clients with investment assetsunder $5 million.

CIBC Financial Planning combines the expertise of its Financial Planning Consultants with ‘best in class’solutions and investment tools to provide truly customized recommendations to meet our clients’unique financial goals.


INTERNATIONAL SERVICES

Through our offices in The Bahamas, Cayman Islands and Hong Kong, CIBC Private WealthManagement International Services combineslocal knowledge with global reach to meet theoffshore wealth management needs of individuals,entrepreneurs and businesses.

Our offshore services focus on:

• Banking • Trust • Investment management• Company management

Offshore services are an important planning resource forclients in the position of managing structures or assetsoutside Canada.

Our international advisors are experts in a host of disciplines – from private banking and trust servicesto institutional fund administration and global custody – and work closely with you to meet your financial objectives.

With knowledge, wisdom and dedication to personalized service, CIBC Private Wealth ManagementInternational Services can play a pivotal role in yournetwork of trusted advisors.


Our clients not only benefit from the expert counsel,innovative strategies and exceptional service weoffer, but also from our strategic partners across theCIBC group of companies, including:

CIBC WOOD GUNDY

Established in 1905, CIBC Wood Gundy is the full service retail brokerage division of CIBCWorld Markets Inc., a Member of the CanadianInvestor Protection Fund and the Investment Industry Regulatory Organization of Canada.

For Private Wealth Management clients whowant the benefit of a full service brokerage offer,CIBC Wood Gundy offers a wide variety of investment products and services, including:

• Asset management• Corporate business solutions• Financial and estate planning• Structured products• Alternative investments• Traditional bonds• Equities• Insurance

CIBC Wood Gundy Investment Advisors provide insightful and impartial advice to assist you in making informed investment decisions, according to your priorities.

In fact, many of our clients rely on the one to one expertise of CIBC Wood Gundy Investment Advisors to manage their financial future because of their distinct reputation for service excellence and sound investment expertise.

CIBC BUSINESS BANKING

We understand that successful business owners havebanking needs that are different from the averageCanadian. That’s why you require the services of abusiness advisor who can offer specialized advice andexpertise through a personal relationship.

Suitable for clients with annual sales under $5 million,our leading-edge products and solutions will help ensureyour continued success – both personal and professional.

CIBC business advisors have the professional experiencethat enables them to provide an exemplary level ofservice and advice tailored to your individual needs.Whether you are looking to update your business plan,identify strategies that make it easier to manage yourbusiness finances, source capital to expand operations or cash management services to administerpayroll to a growing staff, we can help develop solutionsthat are right for you.

CIBC COMMERCIAL BANKING

CIBC is committed to partnering with some ofCanada’s best managed companies. Our comprehensiveapproach provides industry expertise, innovative ideasand strategic solutions designed to create, protect andrealize stakeholder value.

Partnering with clients with annual sales of between$5 million and $500 million, Commercial Bankingprovides integrated financial solutions to address virtually every business requirement at every stage ofa company’s development and operation, includingcredit, asset-based financing, subordinated debt,trade finance, cash management, franchising, foreignexchange, investments, mergers and acquisitions andprivate placements of equity and debt.

CIBC Commercial Banking’s Relationship Managers arelocated in regionally based centres across Canada,ensuring first hand knowledge of local market conditions.



Our clients not only benefit from the expert counsel,innovative strategies and exceptional service weoffer, but also from our strategic partners across theCIBC group of companies, including:

CIBC WOOD GUNDY

Established in 1905, CIBC Wood Gundy is the full service retail brokerage division of CIBCWorld Markets Inc., a Member of the CanadianInvestor Protection Fund and the Investment Industry Regulatory Organization of Canada.

For Private Wealth Management clients whowant the benefit of a full service brokerage offer,CIBC Wood Gundy offers a wide variety of investment products and services, including:

• Asset management• Corporate business solutions• Financial and estate planning• Structured products• Alternative investments• Traditional bonds• Equities• Insurance

CIBC Wood Gundy Investment Advisors provide insightful and impartial advice to assist you in making informed investment decisions, according to your priorities.

In fact, many of our clients rely on the one to one expertise of CIBC Wood Gundy Investment Advisors to manage their financial future because of their distinct reputation for service excellence and sound investment expertise.

CIBC BUSINESS BANKING

We understand that successful business owners havebanking needs that are different from the averageCanadian. That’s why you require the services of abusiness advisor who can offer specialized advice andexpertise through a personal relationship.

Suitable for clients with annual sales under $5 million,our leading-edge products and solutions will help ensureyour continued success – both personal and professional.

CIBC business advisors have the professional experiencethat enables them to provide an exemplary level ofservice and advice tailored to your individual needs.Whether you are looking to update your business plan,identify strategies that make it easier to manage yourbusiness finances, source capital to expand operations or cash management services to administerpayroll to a growing staff, we can help develop solutionsthat are right for you.

CIBC COMMERCIAL BANKING

CIBC is committed to partnering with some ofCanada’s best managed companies. Our comprehensiveapproach provides industry expertise, innovative ideasand strategic solutions designed to create, protect andrealize stakeholder value.

Partnering with clients with annual sales of between$5 million and $500 million, Commercial Bankingprovides integrated financial solutions to address virtually every business requirement at every stage ofa company’s development and operation, includingcredit, asset-based financing, subordinated debt,trade finance, cash management, franchising, foreignexchange, investments, mergers and acquisitions andprivate placements of equity and debt.

CIBC Commercial Banking’s Relationship Managers arelocated in regionally based centres across Canada,ensuring first hand knowledge of local market conditions.



Through CIBC Private Wealth Management you have access to a wealth of expertise and experience. Year afteryear, our clients choose us to discreetly steward their affairs because of our unique approach to financial counsel,our innovative yet prudent wealth management strategies, our custom-tailored solutions, our dedication to personal service and, of course, our respect for their privacy. For them, the result is confidence and peace of mind.

We are committed to building a long-term relationship with you that not only meets your needs, but exceeds your expectations.

STEWARDSHIP, PRIVACY AND PEACE OF M IND


Through CIBC Private Wealth Management you have access to a wealth of expertise and experience. Year afteryear, our clients choose us to discreetly steward their affairs because of our unique approach to financial counsel,our innovative yet prudent wealth management strategies, our custom-tailored solutions, our dedication to personal service and, of course, our respect for their privacy. For them, the result is confidence and peace of mind.

We are committed to building a long-term relationship with you that not only meets your needs, but exceeds your expectations.

STEWARDSHIP, PRIVACY AND PEACE OF M IND


® MasterCard is a registered trademark of MasterCard International Incorporated.

® American Express is a registered trademark of American Express Company

® Interac is a registered trademark of Interac Inc.

* Visa Int./CIBC lic. User

® Registered trademark of Aeroplan Canada Inc., CIBC is an authorized licensee of the mark.

CIBC Private Wealth Management is a registered trademark of CIBC, and consists of services provided by CIBC and its subsidiaries.

CIBC World Markets Inc. is a wholly-owned subsidiary of Canadian Imperial Bank of Commerce and part of Canadian Imperial Bank of Commerce’s wholesalebanking arm which also includes other affiliates including: CIBC World Markets Corp., CIBC World Markets plc, CIBC World Markets Securities Ireland Limited,CIBC Australia Ltd, and CIBC World Markets (Japan) Inc.

CIBC Global Asset Management Inc. operates under the brand name of CIBC Asset Management and is a member of the CIBC Group of Companies. CIBC and its subsidiaries provide services in those jurisdictions in which CIBC or the particular subsidiary is licensed or permitted to conduct business.

CIBC Wealth Advisory Services are provided by CIBC Private Investment Counsel Inc. Our Wealth Advisors and Financial Planners provide general informationon certain tax, insurance and estate planning matters; they do not provide tax and tax compliance advice (including tax return preparation), accounting services, legal advice or actuarial services. Please consult your personal tax advisor, accountant, actuary, licensed insurance professional and qualified legal advisor to obtain specialized advice tailored to your needs.

CIBC Private Investment Counsel Inc. provides discretionary investment management services.

CIBC Financial Planning is part of CIBC Investor Services Inc. (“CIBC ISI”), a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. CIBC ISI provides investment and brokerage products and services.

CIBC Asset Management is a registered trademark of Canadian Imperial Bank of Commerce – CIBC Asset Management Inc. licensee.

CIBC Private Wealth Management subsidiaries outside of Canada and the United States are not licensed to provide trust, investment advisory, loan or brokerageservices in Canada or the United States. In addition to such advice as customers may take in the jurisdiction of the CIBC company with which they are dealing,customers who have connections with other jurisdictions through factors such as residence, domicile, location of permanent establishment or citizenship,should seek experienced legal, financial and tax advice as to the consequences in those jurisdictions of utilizing the services described in this brochure.

There are a maximum number of commission-free trades allowed each year, based on the value of your account. Trades and annual fees are prorated on anannualized basis. A standard trade fee applies to excess trades. A minimum household account balance of $100,000 is required.

CIBC Mutual Funds offered by CIBC Securities Inc., a subsidiary of CIBC. Commissions, trailing commissions, management fees and expenses all may be associatedwith mutual fund investments. Please read the prospectus carefully before investing. CIBC Mutual Funds are not covered by Canada Deposit Insurance Corporation orany other government deposit insurer, nor are they guaranteed by CIBC. Mutual fund values change frequently; past performance may not be repeated.

CIBC Personal Portfolio Services is a discretionary investment management service provided by CIBC Trust Corporation, a subsidiary of CIBC, to individualswith household investable assets greater than $100,000.

CIBC Wood Gundy will be responsible to CIBC Wood Gundy Investment Consulting Service clients for the advice provided by any Investment Manager. The ICS Program Manager, CIBC Asset Management Inc., is a subsidiary of CIBC.

CIBC Wood Gundy is a division of CIBC World Markets, a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment IndustryRegulatory Organization of Canada. Insurance services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are availablethrough CIBC Wood Gundy Financial Services (Quebec) Inc.

All CIBC Business Banking credit offers are subject to credit approval. Rate and limit will depend on assessment of application. Some conditions and restrictions apply.

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® MasterCard is a registered trademark of MasterCard International Incorporated.

® American Express is a registered trademark of American Express Company

® Interac is a registered trademark of Interac Inc.

* Visa Int./CIBC lic. User

® Registered trademark of Aeroplan Canada Inc., CIBC is an authorized licensee of the mark.

CIBC Private Wealth Management is a registered trademark of CIBC, and consists of services provided by CIBC and its subsidiaries.

CIBC World Markets Inc. is a wholly-owned subsidiary of Canadian Imperial Bank of Commerce and part of Canadian Imperial Bank of Commerce’s wholesalebanking arm which also includes other affiliates including: CIBC World Markets Corp., CIBC World Markets plc, CIBC World Markets Securities Ireland Limited,CIBC Australia Ltd, and CIBC World Markets (Japan) Inc.

CIBC Global Asset Management Inc. operates under the brand name of CIBC Asset Management and is a member of the CIBC Group of Companies. CIBC and its subsidiaries provide services in those jurisdictions in which CIBC or the particular subsidiary is licensed or permitted to conduct business.

CIBC Wealth Advisory Services are provided by CIBC Private Investment Counsel Inc. Our Wealth Advisors and Financial Planners provide general informationon certain tax, insurance and estate planning matters; they do not provide tax and tax compliance advice (including tax return preparation), accounting services, legal advice or actuarial services. Please consult your personal tax advisor, accountant, actuary, licensed insurance professional and qualified legal advisor to obtain specialized advice tailored to your needs.

CIBC Private Investment Counsel Inc. provides discretionary investment management services.

CIBC Financial Planning is part of CIBC Investor Services Inc. (“CIBC ISI”), a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. CIBC ISI provides investment and brokerage products and services.

CIBC Asset Management is a registered trademark of Canadian Imperial Bank of Commerce – CIBC Asset Management Inc. licensee.

CIBC Private Wealth Management subsidiaries outside of Canada and the United States are not licensed to provide trust, investment advisory, loan or brokerageservices in Canada or the United States. In addition to such advice as customers may take in the jurisdiction of the CIBC company with which they are dealing,customers who have connections with other jurisdictions through factors such as residence, domicile, location of permanent establishment or citizenship,should seek experienced legal, financial and tax advice as to the consequences in those jurisdictions of utilizing the services described in this brochure.

There are a maximum number of commission-free trades allowed each year, based on the value of your account. Trades and annual fees are prorated on anannualized basis. A standard trade fee applies to excess trades. A minimum household account balance of $100,000 is required.

CIBC Mutual Funds offered by CIBC Securities Inc., a subsidiary of CIBC. Commissions, trailing commissions, management fees and expenses all may be associatedwith mutual fund investments. Please read the prospectus carefully before investing. CIBC Mutual Funds are not covered by Canada Deposit Insurance Corporation orany other government deposit insurer, nor are they guaranteed by CIBC. Mutual fund values change frequently; past performance may not be repeated.

CIBC Personal Portfolio Services is a discretionary investment management service provided by CIBC Trust Corporation, a subsidiary of CIBC, to individualswith household investable assets greater than $100,000.

CIBC Wood Gundy will be responsible to CIBC Wood Gundy Investment Consulting Service clients for the advice provided by any Investment Manager. The ICS Program Manager, CIBC Asset Management Inc., is a subsidiary of CIBC.

CIBC Wood Gundy is a division of CIBC World Markets, a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment IndustryRegulatory Organization of Canada. Insurance services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are availablethrough CIBC Wood Gundy Financial Services (Quebec) Inc.

All CIBC Business Banking credit offers are subject to credit approval. Rate and limit will depend on assessment of application. Some conditions and restrictions apply.

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CIBC P RIVATE W EALTH M ANAGEMENT - 121imagine.com121imagine.com/marketingcomponents/12-3185_CIBCPWM_pitchbook… · cibc p rivate w ealth m anagement cibc p rivate w ealth m anagement

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