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CIBC Wood Gundy Account Information and Disclosures Booklet

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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. Brookfield Place, PO Box 500 A degree higher of personal commitment Toronto, Ontario, Canada M5J 2S8 Please include your full contact details, including your account number and the name of your Investment Advisor if you are already a CIBC Wood Gundy client. CIBC Gundy Wood relationship disclosure Expert Advice. Exceptional Service. Understanding your brokerage firm is an important part of making informed decisions about your investments. CIBC Wood Gundy is a division of CIBC World Markets Inc., a subsidiary of CIBC. We’re a full-service retail brokerage that offers both advisory accounts and managed accounts. We’re a member of the Canadian Investor Protection Fund (CIPF) and the Investment Industry Regulatory Organization of Canada (IIROC). We believe there is no better investment than the time we spend getting to know our clients. Understanding your personal and financial goals helps us create a wealth management plan that puts your wealth to work for you – today and in the future. Products and services we offer Investments Accounts • equities • structured products • cash • registered • fixed income • new issues • margin • transaction-based • money market funds and • options • hedge • fee-based (advisory and other cash equivalents • exchange traded funds (ETFs) • Delivery against managed) • other mutual funds • segregated funds payment / receive • accounts for entities, including and investment funds • precious metals certificates against payment corporations and similar (DAP/RAP) entities, estates and trusts • hypothecated Understanding your relationship with us Securities regulators in Canada have put rules in place about the information retail clients must receive when they open their accounts. We’ve included all of that information in this booklet. Please read it carefully, and if you still have questions, speak to your Investment Advisor or Portfolio Manager. Advisory and managed account relationships Managed vs advisory accounts Depending on which accounts you choose, you may have an A managed account is an account where someone advisory account relationship or a managed account relationship else makes decisions about your investments on your with CIBC Wood Gundy and your Investment Advisor or behalf. The decision-maker might be your Portfolio Portfolio Manager. Registered accounts can be either advisory Manager, or it might be an Investment Manager you or managed. The Client Profile you sign when you open your have selected. An advisory account is an account accounts will tell you if your accounts are advisory or managed. where you make your own decisions about your Advisory account relationships investments, with advice from your When you open an advisory account, you are responsible for the Investment Advisor. investment decisions for your account. Your Investment Advisor We offer three kinds of managed accounts: Investment will give you advice to help you make those decisions, but will Consulting Service (ICS) Accounts, Advisor Managed require your instructions before buying, selling, exchanging, Accounts (AMA) and Advisor Managed Accounts/ converting or placing other transactions in your account. Portfolio Partner (AMA-PP). An advisory account is Your Investment Advisor is responsible for the advice he or any account that is not a managed account. Registered she provides. accounts can be advisory or managed. Managed account relationships When you open a managed account, someone else, (either your Portfolio Manager or the Investment Manager you select) is responsible for investment decisions for your account, based on the information you provide about your investment objectives, risk tolerance and time horizon for investing. Your Portfolio Manager or Investment Manager does not require your instructions before buying, selling, exchanging, converting or otherwise trading in your account. If you have an AMA or AMA-PP account, you have agreed to grant your Portfolio Manager discretion over the assets in your account. If you have an ICS account, you direct CIBC Wood Gundy to hire a program manager, who will retain an Investment Manager to manage the investments in your account. You are responsible for selecting your Investment Manager. If you have enrolled in our Advisor Managed Portfolio Service, you have agreed to grant discretion to your Portfolio Manager to manage your assets across all your managed accounts. Where to find more information about your relationship with us Suitability Service fees and charges (how we assess the suitability of your investments) ........7 (the fees and charges you might incur) ..............................23 Reporting Good faith (reporting you can expect to receive) .................................10 (more information about our relationship with you) ......69 How we handle complaints Accounts and features (how to make a complaint) ....................................................74 (information about the accounts and services Documents you receive when available to you) you open your account .................................... opposite page 1 • Account types and features .................................................13 • Terms for advisory accounts ..............................................17 • Terms for managed accounts ...........................................18 WG Disclosure Booklet_TEXT_EN_June2021_Rev1.indd 1 2021-06-29 2:21 PM This booklet contains the terms of your agreements with us, disclosures about our accounts and services and information about our relationship with you. We’ve organized it into four sections – use this guide to find and read the sections that apply to you. It’s important that you read this information carefully and keep it for your records. If you still have questions about your accounts or your relationship with us, please speak to your Investment Advisor or Portfolio Manager. 1 Your agreement with CIBC Wood Gundy Everyone should read this section. 1.1 Important definitions and legal information 1.1.1 Definitions................................................................................................ 1 1.1.2 Governing law .........................................................................................2 1.1.3 Making changes to the agreement ..................................................2 1.1.4 Assigning the agreement ....................................................................2 1.1.5 Closing your account and ending this agreement .......................2 1.1.6 Other terms of your agreement with us ........................................3 Read the sections that apply to you. 1.2 Types of account owners Individuals are clients who open 1.2.1 Individuals accounts for themselves, for their 1.2.1.1 Joint accounts ........................................................................................3 personal use. 1.2.1.2 Informal trusts ......................................................................................4 Entities are corporations, 1.2.1.3 Retirement savings plans opened on partnerships, trusts, estates and behalf of minors ....................................................................................4 About booklet this other kinds of businesses, groups 1.2.1.4 Special information for clients who live or organizations that open accounts (or move) outside Canada ..................................................................5 for non-personal use. 1.2.2 Entities 1.2.2.1 Trusts........................................................................................................5 1.2.2.2 Estates ....................................................................................................5 1.2.2.3 Individual pension plans (IPP) .........................................................6 1.2.2.4 Retirement compensation arrangements (RCA) ........................6 Everyone should read this
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