A Personalized Approach to Achieving Your Goals

At CIBC Imperial Service, we recognize that no two clients are exactly alike. To meet your individual needs, you need an individualized plan.

Your most valuable tool in creating an effective plan is expertise - the kind you get from your CIBC Imperial Service Advisor.

Step by step

The first step to reaching your goals is to talk about your future plans and goals with your Advisor. Your Advisor will take the time to get to know you, and to gain a full understanding of your financial needs.

Building on this fundamental understanding, your Advisor will work with you, using a step-by-step approach to create a personalized plan - one designed to help you achieve your goals and dreams, while making it easier to manage your overall finances. Whether you're saving to send your children to university or planning for your retirement, your plan will focus on your immediate needs, while building for your future.

A comprehensive approach to planning

You may need advice on a variety of topics, such as day-to-day cash management, investment and retirement planning, borrowing, or protection considerations.

No matter what area of your financial affairs is involved, you need to contact only one person: your CIBC Imperial Service Advisor.

Ongoing commitment

Regular contact is a key component of your plan. You will receive timely updates on your progress toward your goals, along with personalized advice and recommendations that take into account the latest developments in the markets, the economy, and the investment industry.

New products or services that may be of benefit to you will be brought to your attention. And as your needs evolve, your Advisor will work with you to make the necessary adjustments to ensure that your plan keeps pace, and that you understand the financial implications of events that happen throughout your life.

Trademarks and Disclaimers

At CIBC Imperial Service®, Investment advice and services are provided by CIBC Imperial Investor Service ("IIS") division of CIBC Investor Service Inc. ("ISI") or by CIBC Securities Inc.("SI"), and in Quebec by SI.

In order to access such trading services, a customer must be physically resident in Canada at the time of the trade.

This communication does not constitute any offer or solicitation to residents of the United States or the United Kingdom, or any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult their advisors to determine if these products and services may lawfully be sold in their jurisdiction.

Imperial Investor Service is a division of CIBC Investor Services Inc., a subsidiary of CIBC, and Member of CIPF.

CIBC Wood Gundy is a division of CIBC World Markets Inc. ("World Markets"), a subsidiary of CIBC, and Member CIPF. CIBC and Wood Gundy are registered trademarks of CIBC and World Markets respectively.

CIBC and its subsidiaries provide services in those jurisdictions in which CIBC or the particular subsidiary is licensed or permitted to conduct business. CIBC Private Banking subsidiaries outside of Canada and the United States are not licensed to provide trust, investment advisory, loan, or brokerage services in Canada or the United States.

TAL Private Management Ltd. is a subsidiary of CIBC.

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

CIBC Personal Portfolio Services® is offered by CIBC Trust Corporation (a subsidiary of CIBC) to individuals with household investable assets greater than $100,000.

** CIBC Imperial Service® is available in selected markets and is most appropriate for households with investments greater than $100,000.

™ Trade-mark of CIBC.

® Reg'd Trade-mark of CIBC.