Annual Safety Deposit Box Fee Annual Safety Deposit Box Fee Fees for various sizes of safety

deposit boxes are changing. Fees Fees for various sizes of safety deposit boxes are changing. Fees for the most common sizes with approximate dimensions are for the most common sizes with approximate dimensions are shown in the following table: shown in the following table:
BOX SIZE BOX SIZE 1 x 5 x 24 1 x 5 x 24 2 x 5 x 24 2 x 5 x 24 2 xx10 33/8 x 24 2 10 /8 x 24 5 x 5 x 24 5 x 5 x 24 5 xx10 //8 x 24 5 10 8 x 24
33

OLD* OLD* $45 $45 $60 $60 $100 $100 $200 $200

NEW* NEW* $50 $50 $65 $65 $125 $125 $250 $250

*Plus applicable taxes *Plus applicable taxes

pdated Section 1 to provide that the CIBC Overdraft U pdated Section 1 to provide that the CIBC Overdraft U Protection Service Addendum is part of the CIBC Personal Protection Service Addendum is part of the CIBC Personal Account Agreement and to provide for when the Service Account Agreement and to provide for when the Service becomes available for use if you are approved for the Service; becomes available for use if you are approved for the Service; pdated Section 4 to set out the new overdraft fee options U pdated Section 4 to set out the new overdraft fee options U and your ability to select the option that best suits your and your ability to select the option that best suits your needs, in addition, we have set out how interest will be needs, in addition, we have set out how interest will be calculated in a leap year; calculated in a leap year; pdated Section 7 to reflect how we may notify you of U pdated Section 7 to reflect how we may notify you of U changes to the Addendum, interest rate, fees, etc.; and changes to the Addendum, interest rate, fees, etc.; and pdated Section 10 to provide for when cancellation of U pdated Section 10 to provide for when cancellation of U the Service will be effective as of and when refund of any the Service will be effective as of and when refund of any charges, if applicable, will be made to you. charges, if applicable, will be made to you. Our Hold Policy on Cheque Deposits to any Personal Our Hold Policy on Cheque Deposits to any Personal Deposit Account Deposit Account Our Hold Policy has been changed to comply with recent changes Our Hold Policy has been changed to comply with recent changes to Access to Funds Regulations. The changes are as follows: to Access to Funds Regulations. The changes are as follows: Understanding Hold Periods Understanding Hold Periods hen you deposit a cheque in your Personal Bank W hen you deposit a cheque in your Personal Bank W Account, a hold period may apply to allow time for the Account, a hold period may apply to allow time for the cheque (including certified cheques, bank drafts, money cheque (including certified cheques, bank drafts, money orders or other financial instruments) to clear. orders or other financial instruments) to clear. he funds will appear in your account at the time of T he funds will appear in your account at the time of T deposit, but you may not be able to access them until the deposit, but you may not be able to access them until the hold period expires. hold period expires. or a CDN$ cheque drawn on a financial institutions branch F or a CDN$ cheque drawn on a financial institutions branch F located in Canada, the normal length of time we will located in Canada, the normal length of time we will hold funds is 4 business days after the day of deposit. The hold funds is 4 business days after the day of deposit. The maximum hold periods are as follows: maximum hold periods are as follows:
CDN$ Cheque Amount Way You Deposit Maximum Hold CDN$ Cheque Amount Way You Deposit Maximum Hold Period Period 4 business days after 4 business days after $1,500 or less In branch $1,500 or less In branch day of deposit day of deposit 5 business days after 5 business days after By ABM or any By ABM or any day of deposit day of deposit other way other way 7 business days after 7 business days after Greater than $1,500 In branch Greater than $1,500 In branch day of deposit day of deposit 8 business days after 8 business days after By ABM or any By ABM or any day of deposit day of deposit other way other way

For more information For more information

on personal accounts and services on personal accounts and services talk to a CIBC advisor talk to a CIBC advisor visit your nearest branch visit your nearest branch call 1 800 465-CIBC (2422) call 1 800 465-CIBC (2422) visit cibc.com visit cibc.com

Changes to Personal Bank Accounts, Services, Fees and Agreements

Effective April 1, 2013 Effective April 1, 2013

Please contact your branch for details on new fees for other Please contact your branch for details on new fees for other safety deposit box sizes. safety deposit box sizes. Changes to CIBC Agreements Changes to CIBC Agreements Updated versions of the CIBC Personal Account Agreement, Updated versions of the CIBC Personal Account Agreement, CIBC PremierService Agreement and CIBC Overdraft CIBC PremierService Agreement and CIBC Overdraft Protection Service Addendum will be available as of April 1, Protection Service Addendum will be available as of April 1, 2013. Please contact us to obtain a copy. 2013. Please contact us to obtain a copy. Changes to CIBC Personal Account Agreement Changes to CIBC Personal Account Agreement We have made changes to the CIBC Personal Account We have made changes to the CIBC Personal Account Agreement, including but not limited to the following: Agreement, including but not limited to the following: pdated Section 14 to provide that notices and statements U pdated Section 14 to provide that notices and statements U are effective and binding on all joint accountholders are effective and binding on all joint accountholders when we provide them to any one of you by electronic when we provide them to any one of you by electronic means, which may include posting a notice on Online means, which may include posting a notice on Online Banking. In addition, any one of the joint accountholders Banking. In addition, any one of the joint accountholders may consent to receiving notices and statements by may consent to receiving notices and statements by electronic means on behalf of all joint accountholders; electronic means on behalf of all joint accountholders; pdated Section 28 to reflect that we may notify you U pdated Section 28 to reflect that we may notify you U of changes to this Agreement electronically, which may of changes to this Agreement electronically, which may include posting a notice on Online Banking; and include posting a notice on Online Banking; and pdated Section 31 to reflect that failure to exercise or U pdated Section 31 to reflect that failure to exercise or U delay exercising our rights under the Agreement does not delay exercising our rights under the Agreement does not mean we are waiving those rights but that we can still mean we are waiving those rights but that we can still exercise those rights in the future. exercise those rights in the future. Changes to CIBC PremierService Agreement Changes to CIBC PremierService Agreement he Fee Schedule section in the PremierService T he Fee Schedule section in the PremierService T Agreement has been removed; fee information may be Agreement has been removed; fee information may be found in the Personal Account Service Fees brochure, found in the Personal Account Service Fees brochure, available in-branch or by visiting cibc.com. available in-branch or by visiting cibc.com. Changes to CIBC Overdraft Protection Service Changes to CIBC Overdraft Protection Service Agreement Agreement We have made changes to the CIBC Overdraft Protection Service We have made changes to the CIBC Overdraft Protection Service Agreement, including but not limited to the following: Agreement, including but not limited to the following: hanged the name of the CIBC Overdraft Protection C hanged the name of the CIBC Overdraft Protection C Service Agreement to CIBC Overdraft Protection Service Service Agreement to CIBC Overdraft Protection Service Addendum; Addendum;
5 5

In some circumstances, we may hold funds beyond the timelines In some circumstances, we may hold funds beyond the timelines mentioned above. mentioned above. For more information and our most current hold policy, please For more information and our most current hold policy, please see the Personal Account Service Fees brochure available at see the Personal Account Service Fees brochure available at cibc.com and any CIBC branch. cibc.com and any CIBC branch.

1 Changes apply to all personal and non-personal clients who hold a CIBC 1 Changes apply to all personal and non-personal clients who hold a CIBC Personal Bank Account. Personal Bank Account. 2 To qualify for the CIBC Everyday Banking Bundle rebate you must have 2 To qualify for the CIBC Everyday Banking Bundle rebate you must have a CIBC EverydayPlus Chequing Account with CIBC Overdraft Protection a CIBC EverydayPlus Chequing Account with CIBC Overdraft Protection Service attached to the account and at least two other eligible CIBC Service attached to the account and at least two other eligible CIBC personal banking products: an eligible personal credit card and an eligible personal banking products: an eligible personal credit card and an eligible savings account. All of your CIBC products must be open and active. If you savings account. All of your CIBC products must be open and active. If you qualify you will receive the first rebate within 8 weeks. Other conditions qualify you will receive the first rebate within 8 weeks. Other conditions apply. Ask in-branch for details. CIBC may change or cancel the rebate or apply. Ask in-branch for details. CIBC may change or cancel the rebate or amend the CIBC Everyday Banking Bundle Terms and Conditions at any amend the CIBC Everyday Banking Bundle Terms and Conditions at any time without notice. time without notice. 3 To be eligible for the rebate you must have an eligible chequing account 3 To be eligible for the rebate you must have an eligible chequing account and at least three other eligible CIBC personal banking products: either an and at least three other eligible CIBC personal banking products: either an eligible annual fee personal credit card or eligible credit insurance product; eligible annual fee personal credit card or eligible credit insurance product; an eligible personal investment; and an eligible personal mortgage or an eligible personal investment; and an eligible personal mortgage or personal real estate secured borrowing product. All of your CIBC products personal real estate secured borrowing product. All of your CIBC products must be active and in full compliance with the terms and conditions must be active and in full compliance with the terms and conditions relating to that CIBC product. Full details about eligible products and other relating to that CIBC product. Full details about eligible products and other qualifying conditions are available at www.cibc.com/totalbankingrebate. qualifying conditions are available at www.cibc.com/totalbankingrebate. Not available with other deposit account offers. The rebate will be credited Not available with other deposit account offers. The rebate will be credited to your deposit account within 8 weeks of your confirmed eligibility to to your deposit account within 8 weeks of your confirmed eligibility to receive it. CIBC may change or cancel the CIBC Total Banking Rebate at receive it. CIBC may change or cancel the CIBC Total Banking Rebate at any time without notice. any time without notice. Trademarks of CIBC. Trademarks of CIBC. Registered trademarks of CIBC. Registered trademarks of CIBC. TM2 TM2 INTERAC e-Transfer is a trademark of INTERAC Inc.; CIBC authorized user INTERAC e-Transfer is a trademark of INTERAC Inc.; CIBC authorized user of the mark. of the mark. 0052B-13 5887 0052B-13 5887 131A666E 01/13 131A666E 01/13

Changes to: Changes to: CIBC Personal Bank Accounts CIBC Personal Bank Accounts and Fees and Fees

Whats inside

CIBC Personal Account Agreement CIBC Personal Account Agreement CIBC Overdraft Protection CIBC Overdraft Protection Service Fees and Agreement Service Fees and Agreement CIBC Hold Policy on Cheque CIBC Hold Policy on Cheque Deposits Deposits

6 6

At CIBC, we are committed to helping you choose the right products At CIBC, we are committed to helping you choose the right products At CIBC, we are committed to helping you choose the right products and services for your personal financial situation and to keeping and services for your personal financial situation and to keeping and services for your personal financial situation and to keeping you informed of changes to your personal bank accounts111and CIBC you informed of changes to your personal bank accounts and CIBC you informed of changes to your personal bank accounts and CIBC Overdraft Protection Service. Depending on the products and services Overdraft Protection Service. Depending on the products and services Overdraft Protection Service. Depending on the products and services you hold with us and your banking activity, some of the fees outlined you hold with us and your banking activity, some of the fees outlined you hold with us and your banking activity, some of the fees outlined in this brochure may not apply to your account(s). To review your in this brochure may not apply to your account(s). To review your in this brochure may not apply to your account(s). To review your banking needs, please contact your CIBC advisor, visit your nearest banking needs, please contact your CIBC advisor, visit your nearest banking needs, please contact your CIBC advisor, visit your nearest branch, visit cibc.com or call us at 11800 465-CIBC (2422). branch, visit cibc.com or call us at 1 800 465-CIBC (2422). branch, visit cibc.com or call us at 800 465-CIBC (2422). Changes to the CIBC EverydayPlusTM Chequing Account Changes to the CIBC EverydayPlusTM Chequing Account Changes to the CIBC EverydayPlusTM Chequing Account
OLD OLD OLD Monthly Account Fee Monthly Account Fee Monthly Account Fee Quarterly Statement Fee Quarterly Statement Fee Quarterly Statement Fee Monthly Statement Fee Monthly Statement Fee Monthly Statement Fee INTERAC e-TransferTM2 INTERAC e-TransferTM2 INTERAC e-TransferTM2 Receiving Receiving Receiving Sending Sending Sending $8.95 $8.95 $8.95 Free Free Free Free Free Free Free Free Free $1.50 each $1.50 each $1.50 each NEW NEW NEW $9.95 $9.95 $9.95 $0.50/month $0.50/month $0.50/month $2.00/month $2.00/month $2.00/month Free Free Free Send 11free/month* Send 1 free/month* Send free/month* and $1.50 each and $1.50 each and $1.50 each thereafter thereafter thereafter

Changes to the CIBC PremierServiceAccount Changes to the CIBC PremierService Account Changes to the CIBC PremierService Account
OLD OLD OLD Monthly Account Fee Monthly Account Fee Monthly Account Fee Non-CIBC ABM Withdrawals Non-CIBC ABM Withdrawals Non-CIBC ABM Withdrawals in Canada in Canada in Canada CIBC Overdraft CIBC Overdraft CIBC Overdraft Protection Service Protection Service Protection Service (CIBCs standard credit (CIBCs standard credit (CIBCs standard credit criteria apply) criteria apply) criteria apply) $24.50 $24.50 $24.50 4 free/month 4 free/month 4 free/month NEW NEW NEW $28.95 $28.95 $28.95 Unlimited Unlimited Unlimited

CIBC Personal Bank Account Record Keeping CIBC Personal Bank Account Record Keeping
Bank Accounts Bank Accounts Bank Accounts Monthly Fee Monthly Fee Monthly Fee Monthly Fee Monthly Fee Monthly Fee for Statements for Quarterly for Statements for Quarterly for Statements for Quarterly Statements Statements Statements No change FREE No change FREE No change FREE OLD OLD OLD CIBC Bonus CIBC Bonus CIBC Bonus Savings Account Savings Account Savings Account CIBC Premium Growth CIBC Premium Growth CIBC Premium Growth AccountTM AccountTM AccountTM CIBC US$ Personal Account CIBC US$ Personal Account CIBC US$ Personal Account Accounts No Longer Offered Accounts No Longer Offered Accounts No Longer Offered CIBC Chequing Savings CIBC Chequing Savings CIBC Chequing Savings Account Account Account CIBC MenuPlus -Maximize CIBC MenuPlus -Maximize CIBC MenuPlus -Maximize Interest Account Interest Account Interest Account

Interest on the Interest on the Interest on the Interest on the Interest on the Interest on the overdraft amount overdraft amount overdraft amount overdraft amount overdraft amount overdraft amount plus $5.00 in any plus $5.00 in any plus $5.00 in any calendar month calendar month calendar month (based on end-of(based on end-of(based on end-ofday balances) day balances) day balances) in which you create in which you create in which you create or increase an or increase an or increase an overdraft. There is overdraft. There is overdraft. There is no charge unless no charge unless no charge unless you use the you use the you use the overdraft. overdraft. overdraft. Free Free Free $1.50 each $1.50 each $1.50 each Free Free Free Send 22free/ Send 2 free/ Send free/ month* and $1.50 month* and $1.50 month* and $1.50 each thereafter each thereafter each thereafter

CIBC 60 Plus Advantage CIBC 60 Plus Advantage CIBC 60 Plus Advantage CIBC Advantagefor Youth CIBC Advantage for Youth CIBC Advantage for Youth CIBC Advantagefor Students CIBC Advantage for Students CIBC Advantage for Students

NEW NEW NEW

OLD OLD OLD $0 $0 $0 $0 $0 $0 $0 $0 $0

NEW NEW NEW $0.50 $0.50 $0.50 $0.50 $0.50 $0.50 $0.50 $0.50 $0.50 U.S. U.S. U.S.

How to save money on your record keeping fees How to save money on your record keeping fees How to save money on your record keeping fees You can access your transaction history 24 hours a day, You can access your transaction history 24 hours a day, You can access your transaction history 24 hours a day, 77 days aa week when you sign up for eStatement 7 days a week when you sign up for eStatement days week when you sign up for eStatement (paperless) record keeping free with every CIBC (paperless) record keeping free with every CIBC (paperless) record keeping free with every CIBC bank account. CIBC Online Banking gives you: bank account. CIBC Online Banking gives you: bank account. CIBC Online Banking gives you: Access to review your transaction history online Access to review your transaction history online Access to review your transaction history online he ability to view cheque images online at no The ability to view cheque images online at no T The ability to view cheque images online at no additional charge with the option to print or save additional charge with the option to print or save additional charge with the option to print or save the cheque images the cheque images the cheque images CIBC Overdraft Protection Service on your Personal CIBC Overdraft Protection Service on your Personal CIBC Overdraft Protection Service on your Personal Bank Accounts Bank Accounts Bank Accounts
OLD OLD OLD For all personal bank accounts For all personal bank accounts For all personal bank accounts with CIBC Overdraft Protection with CIBC Overdraft Protection with CIBC Overdraft Protection NEW NEW NEW For all personal bank accounts For all personal bank accounts For all personal bank accounts with CIBC Overdraft Protection with CIBC Overdraft Protection with CIBC Overdraft Protection except the CIBC PremierService except the CIBC PremierService except the CIBC PremierService Account Account Account A $5.00 fee will be applied to A $5.00 fee will be applied to A $5.00 fee will be applied to your account each business day your account each business day your account each business day (based on end-of-day balances) (based on end-of-day balances) (based on end-of-day balances) in which you create or increase in which you create or increase in which you create or increase an overdraft. There is no charge an overdraft. There is no charge an overdraft. There is no charge unless you use the overdraft. unless you use the overdraft. unless you use the overdraft. A Monthly Fixed Fee A Monthly Fixed Fee A Monthly Fixed Fee Option* is also available: Option* is also available: Option* is also available: A fixed fee of $4.00 is applied A fixed fee of $4.00 is applied A fixed fee of $4.00 is applied to your account at the end of to your account at the end of to your account at the end of every month regardless of every month regardless of every month regardless of whether you use the overdraft whether you use the overdraft whether you use the overdraft or how many times the overdraft or how many times the overdraft or how many times the overdraft is used in the month. is used in the month. is used in the month. *If the Monthly Fixed Fee option better suits *If the Monthly Fixed Fee option better suits *If the Monthly Fixed Fee option better suits your needs, please contact us at 1 800 465-CIBC (2422) your needs, please contact us at 1 800 465-CIBC (2422) your needs, please contact us at 1 800 465-CIBC (2422) or visit your local branch. or visit your local branch. or visit your local branch.

$0 $2.00 $0 $2.00 $0 $2.00 $0 $0 $0 $0 $0 $0 $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 U.S. U.S. U.S.

INTERAC e-Transfer INTERAC e-Transfer INTERAC e-Transfer Receiving Receiving Receiving Sending Sending Sending

$1.25 $1.25 $1.25 $1.25 $1.25 $1.25 $1.25 $1.25 $1.25

$2.00 $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 No change No change No change

Find out how you can receive aa30% rebate on your CIBC EverydayPlus Find out how you can receive a 30% rebate on your CIBC EverydayPlus Find out how you can receive 30% rebate on your CIBC EverydayPlus Chequing Account regular monthly fee with the CIBC Everyday Chequing Account regular monthly fee with the CIBC Everyday Chequing Account regular monthly fee with the CIBC Everyday Banking Bundle22.2.Ask in-branch for details. Banking Bundle . Ask in-branch for details. Banking Bundle Ask in-branch for details.
Changes to the CIBC UnlimitedChequing Account Changes to the CIBC Unlimited Chequing Account Changes to the CIBC Unlimited Chequing Account
OLD OLD OLD Monthly Account Fee Monthly Account Fee Monthly Account Fee Cheque Orders Cheque Orders Cheque Orders $12.95 $12.95 $12.95 Free standard Free standard Free standard personalized personalized personalized cheques cheques cheques NEW NEW NEW $13.95 $13.95 $13.95 Personal cheques Personal cheques Personal cheques available for available for available for purchase; purchase; purchase; Fee varies Fee varies Fee varies depending on depending on depending on style and quantity style and quantity style and quantity $2.00/month $2.00/month $2.00/month $0.50/month $0.50/month $0.50/month $2.00/month $2.00/month $2.00/month $2.50/month $2.50/month $2.50/month Free Free Free Send 22free/month* Send 2 free/month* Send free/month* and $1.50 each and $1.50 each and $1.50 each thereafter thereafter thereafter
22 2

CIBC Personal Chequing CIBC Personal Chequing CIBC Personal Chequing Account Account Account

A $5.00 charge in any calendar A $5.00 charge in any calendar A $5.00 charge in any calendar month (based on end-of-day month (based on end-of-day month (based on end-of-day balances) in which you create or balances) in which you create or balances) in which you create or increase an overdraft. There is increase an overdraft. There is increase an overdraft. There is no charge unless you use no charge unless you use no charge unless you use the overdraft. the overdraft. the overdraft.

How to save money on your monthly account fee How to save money on your monthly account fee TM With the CIBC Total Banking RebateTM, ,you could qualify for With the CIBC Total Banking RebateTM you could qualify for aarebate on your regular monthly chequing account fee33, , rebate on your regular monthly chequing account fee3 if you have: if you have: an eligible savings account or investment an eligible savings account or investment an eligible mortgage or secured borrowing product an eligible mortgage or secured borrowing product an eligible credit card or creditor insurance an eligible credit card or creditor insurance
For more information on the Total Banking Rebate, contact For more information on the Total Banking Rebate, contact For more information on the Total Banking Rebate, contact your CIBC advisor, visit any branch, call Telephone Banking your CIBC advisor, visit any branch, call Telephone Banking your CIBC advisor, visit any branch, call Telephone Banking at 1 800 465-CIBC (2422) or visit cibc.com. at 1 800 465-CIBC (2422) or visit cibc.com. at 1 800 465-CIBC (2422) or visit cibc.com.
*These cannot be carried forward to subsequent months *These cannot be carried forward to subsequent months *These cannot be carried forward to subsequent months

Maintain a minimum balance of $1,500 Maintain a minimum balance of $1,500 Maintain a minimum balance of $1,500 to waive the monthly statement fee. to waive the monthly statement fee. to waive the monthly statement fee. CIBC Regular Savings Account CIBC Regular Savings Account CIBC Regular Savings Account CIBC Investors Rate Account CIBC Investors Rate Account CIBC Investors Rate Account CIBC Daily Interest Savings CIBC Daily Interest Savings CIBC Daily Interest Savings Account Account Account

$1.25 $1.25 $1.25 $1.25 $1.25 $1.25 $1.25 $1.25 $1.25

$2.00 $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 $2.00 $2.00

Maintain a minimum balance of $5,000 Maintain a minimum balance of $5,000 Maintain a minimum balance of $5,000 to waive the monthly statement fee. to waive the monthly statement fee. to waive the monthly statement fee. CIBC Waive Account CIBC Waive Account CIBC Waive Account $0 $0 $0 $2.00 $2.00 $2.00 $0 $0 $0 $0.50 $0.50 $0.50

Bankbook Fee Bankbook Fee Bankbook Fee Quarterly Statement Fee Quarterly Statement Fee Quarterly Statement Fee Monthly Statement Fee Monthly Statement Fee Monthly Statement Fee Monthly Statement with Monthly Statement with Monthly Statement with Cheques Imaged Fee Cheques Imaged Fee Cheques Imaged Fee INTERAC e-Transfer INTERAC e-Transfer INTERAC e-Transfer Receiving Receiving Receiving Sending Sending Sending

Free Free Free Free Free Free Free Free Free Free Free Free Free Free Free $1.50 each $1.50 each $1.50 each

Maintain a minimum balance of $1,500 to waive the monthly Maintain a minimum balance of $1,500 to waive the monthly Maintain a minimum balance of $1,500 to waive the monthly or quarterly statement fee. or quarterly statement fee. or quarterly statement fee.

11 1

33 3

44 4