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CIBC Mutual Funds and Family of Portfolios CIBC MUTUAL FUNDS AND CIBC FAMILY OF PORTFOLIOS Annual Information Form June 18, 2021 Class A and Class F units (unless otherwise noted) CIBC Mutual Funds Index Funds 2 Savings Funds CIBC Canadian Short-Term Bond Index Fund CIBC Canadian Bond Index Fund2 1 CIBC Canadian T-Bill Fund CIBC Global Bond Index Fund2 2 CIBC Money Market Fund CIBC Balanced Index Fund1 2 CIBC U.S. Dollar Money Market Fund CIBC Canadian Index Fund2 CIBC U.S. Broad Market Index Fund2 Income Funds CIBC U.S. Index Fund2 CIBC Short-Term Income Fund2 CIBC International Index Fund2 CIBC Canadian Bond Fund2 CIBC European Index Fund1 CIBC Monthly Income Fund3 CIBC Emerging Markets Index Fund2 CIBC Global Bond Fund3 CIBC Asia Pacific Index Fund2 CIBC Global Monthly Income Fund3 CIBC Nasdaq Index Fund1 Growth Funds Sustainable Investment Strategies CIBC Balanced Fund CIBC Sustainable Canadian Core Plus Bond Fund4 CIBC Dividend Income Fund3 CIBC Sustainable Canadian Equity Fund4 CIBC Dividend Growth Fund3 CIBC Sustainable Global Equity Fund4 CIBC Canadian Equity Fund3 CIBC Sustainable Conservative Balanced CIBC Canadian Equity Value Fund3 Solution4 CIBC Canadian Small-Cap Fund CIBC Sustainable Balanced Solution4 CIBC U.S. Equity Fund3 CIBC Sustainable Balanced Growth Solution4 CIBC U.S. Small Companies Fund3 CIBC Global Equity Fund CIBC Family of Portfolios CIBC International Equity Fund3 CIBC European Equity Fund3 Smart Investment Solutions CIBC Emerging Markets Fund3 CIBC Smart Income Solution5 CIBC Asia Pacific Fund3 CIBC Smart Balanced Income Solution5 CIBC International Small Companies Fund CIBC Smart Balanced Solution5 CIBC Financial Companies Fund CIBC Smart Balanced Growth Solution5 CIBC Canadian Resources Fund3 CIBC Smart Growth Solution5 CIBC Energy Fund3 CIBC Canadian Real Estate Fund3 CIBC Precious Metals Fund3 CIBC Global Technology Fund 1 4 also offers Premium Class and Class F-Premium units only offers Series A, Series F, ETF Series, Series S and Series O 2 units also offers Premium Class, Class F-Premium and Class O units 5 3 also offers Class O units only offers Series A, Series T5, Series F, Series FT5, Series S, and Series ST5 units Page 2 of 81 CIBC Mutual Funds and CIBC Family of Portfolios - Annual Information Form Managed Portfolios CIBC Managed Income Portfolio6 CIBC Managed Income Plus Portfolio6 CIBC Managed Balanced Portfolio7 CIBC Managed Monthly Income Balanced Portfolio8 CIBC Managed Balanced Growth Portfolio7 CIBC Managed Growth Portfolio7 CIBC Managed Aggressive Growth Portfolio7 U.S. Dollar Managed Portfolios CIBC U.S. Dollar Managed Income Portfolio6 CIBC U.S. Dollar Managed Balanced Portfolio7 CIBC U.S. Dollar Managed Growth Portfolio7 Passive Portfolios CIBC Conservative Passive Portfolio9 CIBC Balanced Passive Portfolio9 CIBC Balanced Growth Passive Portfolio9 No securities regulatory authority has expressed an opinion about these units and it is an offence to claim otherwise. The funds and the units of the funds offered under this Annual Information Form are not registered with the United States Securities and Exchange Commission and they are sold in the United States only in reliance on exemptions from registration. 6 also offers Class T4, Class T6, Class FT4 and Class FT6 units 8 also offers Class T6, Class T8, Class FT6 and Class FT8 units 7 also offers Class T4, Class T6, Class T8, Class FT4, Class FT6 and 9 also offers Class D and Class O units Class FT8 units Page 3 of 81 CIBC Mutual Funds and CIBC Family of Portfolios - Annual Information Form Table of Contents Name, Formation and History of the Funds ........................................................................................................................ 4 Investment Restrictions and Practices ................................................................................................................................. 8 Description of Units of the Funds ........................................................................................................................................ 13 Valuation .................................................................................................................................................................................... 14 Purchases ................................................................................................................................................................................... 17 Switches .................................................................................................................................................................................... 23 Conversions .............................................................................................................................................................................. 24 Redemptions ............................................................................................................................................................................ 26 Responsibility for Operations of the Funds ....................................................................................................................... 31 Conflicts of Interest ................................................................................................................................................................ 42 Affiliated Entities ..................................................................................................................................................................... 56 Fund Governance .................................................................................................................................................................... 57 Management Fee Distributions ........................................................................................................................................... 64 Income Tax Considerations for Investors ......................................................................................................................... 65 Remuneration of Directors, Officers, and Trustee ......................................................................................................... 72 Material Contracts .................................................................................................................................................................. 73 Legal and Administrative Proceedings .............................................................................................................................. 73 Additional Information .......................................................................................................................................................... 73 Combined Annual Information Form ................................................................................................................................. 74 Certificate of the Funds ......................................................................................................................................................... 75 Certificate of the Manager and Promoter ........................................................................................................................ 77 Certificate of the Principal Distributor .............................................................................................................................. 79 Page 4 of 81 CIBC Mutual Funds and CIBC Family of Portfolios - Annual Information Form Name, Formation and History of the Funds In this document, we, us, our, and the Manager refer to Canadian Imperial Bank of Commerce (referred to as CIBC). In this document: • a Fund or Funds is any or all of the mutual funds listed on the front cover; • a Mutual Fund or Mutual Funds refers to any or all of the CIBC Mutual Funds listed on the front cover; • a Portfolio or Portfolios is any or all of the CIBC Family of Portfolios listed on the front cover; • a Sustainable Investment Strategy or Sustainable Investment Strategies is any or all of the Sustainable Investment Strategies listed on the front cover; • a Smart Investment Solution or Smart Investment Solutions refers to any or all of Smart Investment Solutions listed on the front cover; • a Managed Portfolio or Managed Portfolios is any or all of the Managed Portfolios listed on the front cover; • a U.S. Dollar Managed Portfolio or U.S. Dollar Managed Portfolios is any or all of the U.S. Dollar Managed Portfolios listed on the front cover; • a Passive Portfolio or Passive Portfolios is any or all of the Passive Portfolios listed on the front cover; • Mutual Fund Series refers to Class A, Premium Class, Class T4, Class T6, Class T8, Class D, Class F, Class F-Premium, Class FT4, Class FT6, Class FT8, Class O, Series A, Series T5, Series F, Series FT5, Series S, Series ST5 and Series O units of a Fund; and • ETF Series refers to the exchange-traded series units of a Sustainable Investment Strategy. The Portfolios and certain Mutual Funds invest in units of other mutual funds (including exchange-traded funds), which may be managed by us or our affiliates, and are referred to individually as an Underlying Fund and collectively as the Underlying Funds. In this document, mutual funds in general are referred to as a fund or funds. The Funds are open-end investment trusts organized under the laws of the Province of Ontario and governed by an amended and restated master declaration of trust dated June 17, 2021 (referred to as the Declaration of Trust), which amends and restates the amended and restated
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