CIBC Professional Edge® -
For Self-employed Professionals

CIBC Professional Edge is a comprehensive banking package designed to combine products and services to help you reach your financial goals, if you are a self-employed professional practicing as a/an:

Accountant
Dentist
Lawyer
Notary
Optometrist

Osteopath
Physician
Podiatrist
Surgeon
Veterinarian

Trust us to care for your practise

To find out how you can benefit from the experience and knowledge of a CIBC business advisor, visit the nearest CIBC branch, contact your CIBC advisor or call toll-free 1-800-465-2422.

Key Benefits

Access to a dedicated CIBC business advisor	A dedicated CIBC business advisor will help monitor your financial progress and recommend changes as your practice grows and your personal needs change.
Advice from specialists	Your CIBC business advisor has access to a team of specialists in the areas of borrowing, cash management, succession planning and wealth management to help meet all your business and personal financial goals.
Special benefits and services	As a professional, there are many customized banking options available for you to take advantage of. Working with our clients, we've designed distinctive services and exclusive offers to ensure that you prosper at each stage of your personal life and professional career.

For your business needs	Benefits
CIBC Unlimited Business Operating Account™ for Professionals+	One low monthly fee of $35 Unlimited transactions1 such as withdrawals, deposit transactions, transfers and bill payments Cash, coin and cheque deposit package2 Unlimited access at CIBC with no additional cost - Access your accounts 24/7 through our network of bank machines plus CIBC Telephone and Online Banking, and INTERAC® direct payment at no additional cost Free initial cheque order Unlimited number of Small Business Convenience Cards with customized access
Business loans and lines of credit²	Borrow up to $5 million in secured and unsecured loans and lines of credit at competitive rates 100% financing for practice purchase price, startup or expansion costs If you are considering startup financing, 2 years of business history is not required Learn more
Partner capital loans	For new and existing partners at a law or accounting firm Preferred interest rates Flexible repayment terms, including an interest only payment option Up to 100% financing
CIBC Aerogold® VISA* Card for Business	Welcome bonus of 15,000 Aeroplan® Miles4 Interest Rate as low as 10.9% Credit Limits up to $50,000 Learn more
Merchant Services	Offer your patients or clients a wide variety of payment options, including VISA, MasterCard, American Express and INTERAC Direct Payment. From Global Payments Inc. you will receive: Free set up of VISA and MasterCard accounts (a $100 savings) 3 months free terminal rental on select terminals (a savings of $100) One year free access to online reporting, payment and transaction information - a $400 value (After 1 year, a monthly fee applies - currently $39) Learn more

For your personal needs	Benefits
CIBC PremierService® Account	A comprehensive, flat-fee personal deposit account for your day-to-day banking, investing and credit needs For a monthly fee of $24.50, you will enjoy: Unlimited number of daily banking transactions1 Choice of premium VISA cards and one supplementary card with annual fees waived A CIBC Personal Line of Credit ($5,000 minimum credit limit) is available with this account Four free non-CIBC INTERAC® bank machine withdrawals a month Choice of record keeping options at no additional charge Personalized CIBC PremierService cheques at no charge Free bank drafts, money orders, certified cheques or stop payments5 No annual administration fee on CIBC Mutual Fund9 RRSPs or RESPs Learn more
CIBC Personal Loans and Lines of Credit3	Competitive rates for professional clients on secured and unsecured borrowing Learn more
CIBC Personal Mortgages6	CIBC's best mortgage rate is available on a 5-year closed fixed term Free appraisal and no renewal fees Learn more
CIBC Investment Solutions and Advice	Your CIBC business advisor has the experience, the expertise and the contacts to meet your complex investment needs No annual administration fee for Imperial Investor Service7 registered account (no minimum balance required) + No annual administration fee for Investor's Edge8 registered account (no minimum balance required)+ A comprehensive plan to meet your needs so you can be prepared for what matters™ A wide range of CIBC investment products and services including: GICs Mutual funds9 CIBC Personal Portfolio Services CIBC Managed Portfolio Services CIBC Group RRSPs Access to CIBC Wood Gundy services including Individual Pension Plans, Retirement Compensation Arrangements and Insurance Solutions

Other products and services

CIBC Small Business Overdraft Protection - Borrow up to $10,000 to cover your practice operating expenses
CIBC Commercial Choice Mortgage™ (CCCM) - For amounts between $250,000 to $1 million
CIBC Wood Gundy Private Client Investments® - Our full-service investment firm can help you manage your portfolio and make smart investment decisions

Trademarks and Disclaimers

+ Professional clients with Unlimited Business Operating Account for Professional are eligible for no annual administration fee on CIBC Imperial Investor Service registered accounts and CIBC Investor's Edge registered accounts.

1 Transactions include deposits, cheques, withdrawals, and all other debits and credit to your account that were initiated by you including without limitation, preauthorized payments, bill payments, INTERAC direct payments, direct deposits, and transfers between accounts were applicable. Additional "Items Deposited" charges, where applicable, may apply. Fees apply to transactions conducted at non-CIBC bank machines. Additional "Currency Supplied" charges, where applicable, may apply. Cheque deposits include cheques, money orders, drafts and all other clearing items.

2 "Items Deposited" charges may apply to deposits in excess of 100 cheques or $15,000 cash $1,000 coin per month.

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

4 Welcome bonus will be posted to your account after the first purchase is made with the card. Applies to new, approved Primary Cardholders only. This offer cannot be combined with any other offer. Offer may be changed or withdrawn at anytime.

5 Stop payments free on cheques and pre-authorized payments only.

6 Mortgages are offered by CIBC Mortgages Inc. Applicants and properties must meet lending criteria set out by CIBC Mortgages Inc. Conditions and restrictions apply.

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

8 CIBC Investor's Edge Discount Brokerage and CIBC Investor's Edge Self-Directed Plan are offered by CIBC Investor Services Inc., a subsidiary of CIBC. Cash balances owing to you are not insured by the Canada Deposit Insurance Corporation or any other government insurer, but are fully guaranteed by CIBC. Unless, with respect to a specific security, you are informed to the contrary, securities sold are not guaranteed by Canada Deposit Insurance or CIBC. The value of many securities may fluctuate. Member of the Canadian Investor Protection Fund.

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

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.

Global Payments and the Global Payments logo are trademarks of Global Payments Inc. and may not be copied, imitated, or used, in whole or in part, without prior written consent. Payment processing and pricing approvals provided by Global Payments Direct, Inc. Terminals & terminal services provided by Global Payments Canada GP.

™ Trademarks of CIBC.

® Registered trademarks of CIBC.

* Visa Int./Lic. User.

® Aerogold and Aeroplan are Registered Trademarks of Aeroplan Canada Inc.

CIBC Authorized Licensee of Marks.

CIBC is the authorized user of the following trademarks:

INTERAC is a registered trademark of Interac Inc.

MasterCard is a registered trademark of MasterCard International Incorporated.

American Express is a registered trademark of American Express Company.