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CIBC Smart Plus Account Fee Rebate Terms and Conditions
December 2019 Page 1 of 3 CIBC Smart™ Plus Account Fee Rebate Terms and conditions We will automatically rebate the monthly account fee for the month in which you open or convert to your first CIBC Smart Plus Account and for the next two months after that, even if you do not meet any of the eligibility conditions during this three month period. This three month fee rebate does not apply to any subsequent CIBC Smart Plus Accounts opened by you alone or jointly. Below explains how you can earn an on-going monthly fee rebate. Eligibility To benefit from the CIBC Smart Plus Account fee rebate, the following conditions must be met each month: • Your CIBC Smart Plus Account must be open at the time the fee rebate is applied; and • Maintain a minimum balance of: • $6,000 at the end of each day during the month in your CIBC Smart Plus Account to rebate the monthly fee on that account; or • $100,0001 of Savings and Investments (see definition and calculation below) at the end of each day during the month to rebate the monthly fee on one CIBC Smart Plus Account. If you have more than one CIBC Smart Plus Account, CIBC will determine which one will receive the Savings and Investments fee rebate. If you are a client with assets at CIBC Wood Gundy, CIBC Private Investment Counsel or CIBC Private Banking you automatically qualify to receive the monthly fee rebate on one Smart Plus Account. If you have more than one Smart Plus Account, CIBC will determine which one will receive the monthly fee rebate. -
List of Financial Institutions Offering Locked-In Pension Products Issued: September 5, 2018
Superintendent’s List of Financial Institutions Offering Locked-In Pension Products Issued: September 5, 2018 This list is to be used for the purposes of sections 104-120, 105, 122-139, 141 and 162 of the Alberta Employment Pension Plans Regulation (154/2014, Consolidated up to 224/2014). The Financial Institutions that appear on this list, as indicated in bold typeface, have been acknowledged by the Superintendent to accept locked-in funds into the types of contracts indicated. The companies listed in regular typeface have been authorized by the Financial Institutions to accept locked-in funds on their behalf, and payments may be made directly to those listed agents. There may be institutions that have applied to appear on this list but whose application was still being processed at the time this list was updated. Please contact our office to verify the status of any Financial Institution with respect to this list. Questions may be directed to: Alberta Treasury Board and Finance Superintendent of Pensions #402, 9515 – 107 Street Edmonton, AB T5K 2C3 Phone: 780-427-8322 Fax: 780-422-4283 Email: [email protected] Website: www.finance.alberta.ca/business/pensions/ SUPERINTENDENT’S LIST OF FINANCIAL INSTITUTIONS OFFERING LOCKED-IN PENSION PRODUCTS BANKS LIRA LIF Canadian Western Bank 21-Dec-15 CIBC (Canadian Imperial Bank of Commerce) 1-Feb-07 23-Oct-07 Concentra Bank 20-Sep-06 20-Sep-06 Home Bank 6-Feb-18 HSBC Bank Canada 14-Sep-07 National Bank of Canada 11-Dec-07 Tangerine Bank 13-Nov-07 20-Jun-12 CREDIT UNIONS LIRA LIF BlueShore -
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 -
Speaker Biographies
CIBC INVESTOR DAY SPEAKER BIOGRAPHIES Victor G. Dodig President and Chief Executive Officer, CIBC Victor Dodig is President and Chief Executive Officer of the CIBC group of companies, one of North America's largest financial services institutions. Mr. Dodig joined CIBC in 2005 as Executive Vice-President, CIBC Wealth Management. In 2007, he became Executive Vice-President, Retail Distribution, CIBC, where he led the bank’s retail banking distribution and sales teams. He was appointed Group Head, Wealth Management in 2011, taking on responsibility for the bank’s brokerage, private wealth, and asset management businesses in both Canada and the US. Mr. Dodig was named President and Chief Executive Officer and a member of CIBC's Board of Directors in September 2014. He also serves on the Board of Directors for the C.D. Howe Institute and is a member of the Catalyst Canada Advisory Board. Prior to joining CIBC, Mr. Dodig was Managing Director and Chief Executive Officer in Canada for UBS Global Asset Management. Earlier in his career, he spent five years as Managing Director in Canada, the US and the UK for Merrill Lynch and Company, where he gained international experience, following three years as a Management Consultant with McKinsey and Company. Mr. Dodig is a past recipient of Canada's Top 40 Under 40™ award. He holds an MBA from Harvard University where he was a Baker Scholar, and a Bachelor of Commerce from the University of Toronto (St. Michael's College). He also holds a Diploma from the Institut d'études politiques in Paris. CIBC INVESTOR DAY SPEAKER BIOGRAPHIES Kevin Glass Senior Executive Vice-President and Chief Financial Officer, CIBC Kevin Glass has overall responsibility for financial, management and regulatory reporting; maintenance of accounting records; financial analysis and planning; tax planning and compliance; Treasury; and liaising with CIBC investors. -
Superintendent's Register / Registre Du Surintendant
SUPERINTENDENT'S REGISTER / REGISTRE DU SURINTENDANT September 22, 2021 / le 22 septembre, 2021 BANKS / BANQUES LIRA/CRI LIF/FRV BANK OF NOVA SCOTIA (See Bank of Nova Scotia Trust Co. (Scotiatrust)/Voir Societe de Fiducie Banque de Nouvelle-Ecosswe) X X CANADIAN IMPERIAL BANK OF COMMERCE (see CIBC Trust Corporation/Voir Compagnie Trust CIBC) X X CANADIAN WESTERN BANK X CONCENTRA BANK X X HSBC BANK CANADA X TANGERINE BANK X X NATIONAL BANK FINANCIAL GROUP X CREDIT UNIONS / CREDIT UNION ET CAISSES POPULAIRES LIRA/CRI LIF/FRV Central 1 Credit Union X X • Aldergrove Credit Union X X • Bulkley Valley Credit Union X X • CCEC Credit Union X X • Columbia Valley Credit Union X X • Compensation Employees Credit Union X X • Creston & District Credit Union X X • Cumberland & District Credit Union X X • East Kootenay Community Credit Union X X • Enderby & District Credit Union X X • First Credit Union X X • First West Credit Union X X • Fisgard Capital Corporation X X • Grand Forks District Savings Credit Union X X • Greater Vancouver Community Credit Union X X • Gulf and Fraser Credit Union X X • Heritage Credit Union X X • Integris Credit Union X X • Khalsa Credit Union X X • Kootenay Savings Credit Union X X • Ladysmith & District Credit Union X X • Lake View Credit Union X X • Mount Lehman Credit Union X X • Nelson & District Credit Union X X • Northern Savings Credit Union X X • North Peace Savings Credit Union X X • Osoyoos Credit Union X X • Revelstoke Credit Union X X • Salmon Arm Savings Credit Union X X Superintendent's Register / Registre du Surintendant 1 of 9 CREDIT UNIONS / CREDIT UNION ET CAISSES POPULAIRES (cont) LIRA/CRI LIF/FRV • Sharons Credit Union X X • Spruce Credit Union X X • Summerland & District Credit Union X X • Sunshine Coast Credit Union X X • Union Bay Credit Union X X • V.P. -
News Release
News Release CIBC ANNOUNCES FIRST QUARTER 2006 RESULTS • Diluted EPS of $1.62 • ROE of 25.6% • Tier 1 capital ratio of 9.0% (Toronto, ON – March 2, 2006) – CIBC announced net income of $580 million for the first quarter ended January 31, 2006 compared with net income of $707 million a year ago. Return on equity was 25.6%, compared with 25.7% for the same period last year. Diluted earnings per share (EPS) were $1.62, compared with diluted EPS of $1.94 per share a year ago which included total after-tax gains of $0.49 per share on the sale of shares in Juniper Financial Corp., Republic Bank Limited, and ACE Aviation Holdings Inc. For the prior quarter, net income was $728 million and diluted EPS was $2.06 which included several items of note aggregating earnings of $0.62 per share. Update on business priorities “We made solid progress during the quarter against our key priorities of maintaining and building business strength, improving productivity and balance sheet strength,” says Gerald T. McCaughey, President and Chief Executive Officer. “Continuing to deliver against these priorities will allow us to position CIBC for consistent, sustainable performance over the long term.” Maintaining and building business strength Both CIBC Retail Markets and CIBC World Markets reported good results this quarter and continue to be well positioned in the market. CIBC Retail Markets reported revenue of $2,059 million, in line with the prior quarter. CIBC’s retail and wealth businesses continue to leverage CIBC’s strong distribution capabilities to bring enhanced focus and value to clients. -
Canadian Privacy Policy Revised March 2021
Canadian privacy policy Revised March 2021 Your privacy is protected Your privacy is important to us: You have chosen CIBC to provide your financial services. We value the trust and confidence you place in us. At CIBC, protecting the privacy and confidentiality of your personal information is very important to us and an integral part of our commitment to service excellence. To help us meet this commitment to you, CIBC has appointed a Chief Privacy Officer to oversee CIBC’s privacy practices and this policy. Your privacy is important to you: We encourage you to read this privacy policy so that you can understand how we collect, use, share and protect your personal information and how you can manage your information in a way that best suits you. To help you understand our privacy policy, here are some important terms you should know. Important terms • Personal information” or “information” means information about an identifiable individual such as contact information, account numbers or details, such as age, marital status and financial information. This information can be in any form including paper, electronic, audio, video or biometric, such as voiceprints, photographs and signatures. This information can also include information collected through digital activities, such as device model, browser type and IP address. • “CIBC,” “we,” “our” or “us” means collectively Canadian Imperial Bank of Commerce and its Canadian affiliates that offer deposits, loans, mutual funds, securities trading, portfolio management, investment counseling, mortgages, credit cards, trust services, insurance and other products or financial products and services, including Simplii Financial. • “CIBC Foreign Affiliates” means CIBC’s businesses, affiliates, subsidiaries and branches of CIBC located outside of Canada, such as CIBC Bank USA. -
1998 Annual Report (PDF, 2.2
ANNUAL REPORT Dynamic PDF Help Menu This Dynamic PDF (portable document format) file of the 1998 CIBC Annual Report contains a number of unique features. These features are designed to increase the usability and functionality of the document. Chart/Table Zoom Click on any chart or table in the annual report to zoom in for a more detailed view. Click on the Zoom Out button to return to the normal view. More Info The More Info button takes you to the next item of information about the particular subject area. Go Back The Go Back button takes you to the previous item of information about the particular area. see Note 3 Link Takes you to the page reference indicated Designed and produced by Sutton Javelin Communications, Toronto ANNUAL REPORT CIBC HAS BEEN A PIONEER IN THE GROWTH OF CANADA FOR MORE THAN 130 YEARS. WE’VE HELPED CANADIANS FROM COAST TO COAST BUILD THEIR BUSINESSES AND REACH THEIR FINANCIAL GOALS. TODAY, WE CONTINUE TO FORGE OPPORTUNITIES FOR GROWTH WITH CUSTOMERS IN CANADA, THE UNITED STATES AND AROUND THE WORLD. 1-3 ie 12/4/98 3:41 PM Page 1 INDEX PAGE FINANCIAL HIGHLIGHTS 4 LETTER TO SHAREHOLDERS 5 STRATEGIC INITIATIVES 10 MANAGEMENT’ S DISCUSSION AND ANALYSIS OF OPERATING RESULTS AND FINANCIAL CONDITION 25 CONSOLIDATED FINANCIAL STATEMENTS 59 CORPORATE GOVERNANCE 106 DETAILED INDEX PAGE CIBC at a Glance 2 Financial Highlights 4 Letter to Shareholders 5 Strategic Initiatives 10 Personal and Commercial Banking 12 Corporate and Investment Banking 16 Wealth Management 20 Community and Employees 23 Management's Discussion and -
Chronological List by Type of Form
TABLE 1 SEC Filings Under The Multijurisdictional Disclosure System (Chronological List By Type of Form) Table 1 Underwriters or Date of Filing Form Issuer Dealer Manager Description and Size of Offering 07/17/91 F-7 Noranda Forest Inc. RBC Dominion Rights to subscribe for up to 20,800,000 Burns Fry Common Shares. Trilon Size: $166,400,000 09/11/91 F-7 Lasmo Canada Inc. Peters & Co. Limited Rights to subscribe for Common Shares and, if (Alberta) eligible, Non-Voting Shares. Size: $29,400,000 01/10/92 F-7 Northgate Exploration Rights to subscribe for up to $5,589,311 Limited (Ontario) Common Shares. Size: $4,500,000 02/11/92 F-7 Triton Canada Resources RBC Dominion Securities Inc. Rights to subscribe for Common Shares. Ltd. (Alberta) Size: $8,500,000 02/25/92 F-7 Chauvco Resources Ltd. Bunting Warburg Inc. Rights to subscribe for up to 1,953,359 (Alberta) Common Shares. Size: $43,000,000 2 Table 1 Underwriters or Date of Filing Form Issuer Dealer Manager Description and Size of Offering 04/27/92 F-7 Cabre Exploration Ltd. BBN James Capel Inc. Rights to purchase Common Shares (Alberta) Size: $9,000,000 06/30/92 F-7 Sceptre Resources Limited RBC Dominion Securities Rights to subscribe for 15,004,208 Common (Alberta) Shares. Size: $3,800,000 08/25/92 F-7 Bovar Inc. (Alberta) Scotia McLeod Inc. and Goepel Rights to subscribe to 12,076,906 common Shields and Partners Inc. shares and 1,353,125 non-voting convertible shares. -
CIBC Mutual Funds Booklet Containing Account Agreement and Disclosures CIBC Mutual Funds Account Agreement and Disclosures Booklet
CIBC Securities Inc. CIBC Mutual Funds Booklet Containing Account Agreement and Disclosures CIBC Mutual Funds Account Agreement and Disclosures Booklet CIBC Mutual Funds Account Agreement Thank you for choosing CIBC Securities Inc. This Agreement explains how your CIBC Mutual Funds Account works and tells you about our various policies. If you have any questions about this Agreement or your Account, please call 1-888-723-8881. TERMS USED IN THIS AGREEMENT money to or from your Account or your bank Account refers to each of your CIBC Mutual Fund account. accounts with CIBC Securities Inc. Trustee refers to CIBC Trust Corporation. Agreement refers to this CIBC Mutual Funds Account We, our and us refers to CIBC Securities Inc. Agreement. You, your and yours refers to each client who signed Application refers to the CIBC Mutual Funds account an Application. application form you signed to open your Account. CUSTOMER AGREEMENT CIBC refers to Canadian Imperial Bank of Commerce. In exchange for CIBC Securities Inc. providing you CIBC advisor refers to the CIBC Securities Inc. with the Services and opening an Account, you representative whom you deal with. understand and agree as follows: CIBC Group means collectively CIBC and its Canadian affiliates that offer deposits, loans, mutual funds, General securities trading, portfolio management, investment This Agreement applies to all of your Accounts with counseling, mortgages, credit cards, trust services, us. Additional terms and conditions may also be and insurance and other products or services; outlined in the Application, and you agree to be Declaration of Trust means the declaration of trust bound by those terms and conditions as well as this governing a Registered Plan. -
Superintendent's List of Financial Institutions Offering Locked-In
Superintendent’s List of Financial Institutions Offering Locked-In Pension Products Issued: July 31, 2020 This list is to be used for the purposes of sections 104-120, 105, 122-139, 141 and 162 of the Alberta Employment Pension Plans Regulation (154/2014, Consolidated up to 224/2014). The financial institutions that appear on this list, as indicated in bold typeface, have been acknowledged by the Superintendent to accept locked-in funds into the types of contracts indicated. The companies listed in regular typeface have been authorized by the financial institutions to accept locked-in funds on their behalf, and payments may be made directly to those listed agents. There may be institutions that have applied to appear on this list but whose application was still being processed at the time this list was updated. Please contact our office to verify the status of any financial institution with respect to this list. Questions may be directed to: Alberta Treasury Board and Finance Superintendent of Pensions #402, 9515 – 107 Street Edmonton, AB T5K 2C3 Phone: 780-427-8322 Email: [email protected] Website: http://pensions.alberta.ca SUPERINTENDENT’S LIST OF FINANCIAL INSTITUTIONS OFFERING LOCKED-IN PENSION PRODUCTS Classification: Protected A BANKS LIRA LIF Canadian Western Bank 21-Dec-15 CIBC (Canadian Imperial Bank of Commerce) 1-Feb-07 23-Oct-07 Concentra Bank 20-Sep-06 20-Sep-06 Home Bank 6-Feb-18 HSBC Bank Canada 14-Sep-07 National Bank of Canada 11-Dec-07 Tangerine Bank 13-Nov-07 20-Jun-12 CREDIT UNIONS LIRA LIF BlueShore Financial -
CIBC Wood Gundy Account Information and Disclosures Booklet
CIBC WOOD GUNDY WELCOME TO CIBC WOOD GUNDY CIBC Wood Gundy account information and disclosures booklet This booklet contains the terms of your agreements with us, and disclosures about our products and services and our relationship with you. Please read it carefully and keep it for your records. June 2021 Welcome to CIBC Wood Gundy. We’re pleased that you’ve chosen to work with us, and we’re committed to helping you meet your long-term financial goals. Together, we’ll develop a plan that takes into account who you are today, and what you want for your family and wealth tomorrow. Our integrated wealth management approach brings together Wood Gundy, CIBC Private Banking, CIBC Private Investment Counsel and CIBC Trust to help make your ambitions a reality. That means your Investment Advisor or Portfolio Manager can provide you with a full range of personalized financial, estate, insurance and retirement planning solutions. Our service commitment also includes delivering timely information about your investments, like this package. It contains important details about your CIBC Wood Gundy accounts. Please read it and keep it for future reference. If you have any questions about the information in this package, feel free to call your Investment Advisor or Portfolio Manager. You can also contact Client Relations at 1 800 563-3193, or visit www cibcwoodgundy.com. Once again, welcome to CIBC Wood Gundy. Sincerely, Ed Dodig Executive Vice-President and Head CIBC Private Wealth Management Canada and CIBC Wood Gundy How to reach us Phone Client Relations 1 800 563-3193 (English) 1 866 392-5203 (French) Email [email protected] Web www.cibcwoodgundy.com Mail CIBC Wood Gundy c/o CIBC World Markets Inc.