Your Team Of Experts

Your Trusted Advisor Generations of Canadians have relied on the expertise of CIBC Wood Gundy Investment Advisors to manage their finances. Today, our Investment Advisors continue to build relationships with their clients based on trust and integrity; values that make our name synonymous with excellent service and expert investment advice.

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We know you are always looking for ways to simplify your life, including your financial affairs. As a CIBC Wood Gundy client, you already benefit from the financial knowledge and expert advice of your Investment Advisor, but did you know that we provide financial solutions beyond investment advice? CIBC Wood Gundy is part of the CIBC Group of Companies, one of the largest financial institutions in Canada. Your Investment Advisor can help you build a team of experts that can offer tailored solutions to meet all aspects of your financial needs. From everyday banking and lending to sophisticated trust, estate and offshore planning solutions, we have got you covered.

Your CIBC Wood Gundy Investment Advisor Can Help You By: • Reviewing your situation • Providing objective advice and guidance • Assembling a team of experts • Offering solutions tailored to your specific needs

CIBC Wood Gundy’s Core Offerings Include: • Investment Management Solutions

• Separately Managed Accounts

• Discretionary Portfolio Management

• Registered Investments

• Corporate Solutions

• Financial Planning Services

• Philanthropy

• Estate Planning and Insurance

Beyond our core offerings, your Investment Advisor can help unlock the door to a variety of products and services.

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CIBC Banking

CIBC Private Wealth Management

CIBC Trust

You and Your Investment Advisor

CIBC Business Banking

CIBC Mid-Market Investment Banking

CIBC Wood Gundy Financial Services Inc.

CIBC FirstCaribbean International Bank

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The Benefits of Consolidating Having all your financial needs managed by your team of CIBC Advisors allows us to offer comprehensive, holistic solutions based on an in-depth understanding of your goals. A holistic plan brings together trusted experts and advisors all working together for you. Some benefits include: • Convenience and peace of mind that comes with dealing with one financial institution • An expanded product and service offering • Comprehensive investment strategy • Potential cost savings • Risk management

In 2013, CIBC was ranked as the strongest bank in Canada, strongest in North America and third strongest in the world by Bloomberg Markets magazine and among the safest banks in North America by Global Finance magazine. WORLD FINANCE B A N K I N G AWA R D S

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Getting To Know CIBC With nearly 150 years of history, CIBC is one of Canada’s leading financial institutions. CIBC offers a lot more than bank accounts – with three major businesses: Retail and Business Banking, Wealth Management, and Wholesale Banking – and a worldwide presence, your CIBC Wood Gundy Investment Advisor can help you work with an expert who can address every aspect of your financial situation, no matter how complex your needs may be. • CIBC was named one of Interbrand’s 25 Best Canadian Brands in 2012 • CIBC provides a full range of financial products and services to 11 million clients • CIBC has more than 42,000 employees dedicated to helping our clients achieve what matters to them • CIBC is a leader in online and mobile banking, and was voted “Best in Mobile Banking” among

North American banks by Global Finance magazine

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CIBC Banking Solutions • Everyday Banking – Chequing and Savings Accounts • Credit Cards • Cost-Effective, Flexible Borrowing • Straight-Forward Investments – GICs, Mutual Funds and Fixed Income Instruments • Insurance Solutions For Your Everyday Banking

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CIBC Banking When you bank with CIBC, you will benefit from financial advice, as well as products and services offered by a strong team of advisors in almost 1,100 branches across the country. Banking should be simple and convenient, which is why CIBC continuously strives to provide greater access and choice of how and when you conduct your everyday banking: • Bank on the go quickly and securely using the CIBC Mobile Banking® App on your smartphone or iPad • Bank when it’s convenient for you. We are open longer – weeknights and weekends, including Sundays • With the CIBC Advantage Card, Canada’s first Visa Debit card, you have more payment options when

shopping online or while out of the country

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CIBC Private Wealth Management Services CIBC Private Banking • Banking and Cash Management • Customized Credit Management • Leveraged Financing

Wealth Advisory Services • Wealth Planning • Cross-Border Planning • Business Transition Planning • Protection Planning • Tax Optimization and Estate Planning

CIBC Private Investment Counsel • Portfolio Customization • Asset Mix Management • Global Management Expertise

CIBC Trust • Power of Attorney • Trust Administration • Agent for the Executor, Trustee or Attorney • Corporate Executor Appointment

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CIBC Private Wealth Management You have worked hard to achieve your wealth. Given all that you have accomplished, your financial needs deserve special attention. CIBC Private Wealth Management focuses exclusively on providing financial stewardship to Canada’s most affluent individuals, families and business owners. Your CIBC Wood Gundy Investment Advisor can introduce you to a CIBC Private Banker who specializes in exclusive banking and trust service solutions, and who will work closely with your tax and legal advisors to identify potential tax-optimization strategies.

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CIBC Business Banking Products and Services • Business Operating Accounts and Credit Cards • Cash Management Services

> Merchant and Payroll Services > Receivables, Payables and Treasury Services > Government Filing > Direct Deposit and Electronic Funds Transfer (EFT) • Business Lending • Investment Services • Global Banking and Trade Solutions • CIBC Mid-Market Investment Banking Services

> Sale and Transition of Your Business > Acquisitions and Mergers > Raising Equity Capital and Securing Debt Financing

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CIBC Business Banking CIBC Business Banking consists of distinct partners such as Small Business, Commercial Banking and National Businesses, as well as Mid-Market Investment Banking, that provide service to business owners and corporate clients. With experts in every field – cash management, oil & gas, agriculture, real estate and trade finance – CIBC Business Banking has solutions that are as comprehensive and diverse as your needs. To help you find the right solutions, all commerical clients are assigned a dedicated Relationship Manager whose role is to understand your current and future financial needs by knowing your company, your industry and your objectives. Building on this understanding, our Relationship Managers work with our product and services experts to ensure that the solution designed for your company meets your specific needs. Our partners at CIBC Mid Market Investment Banking can also provide advice on business valuation, help locate potential buyers and negotiate the terms of the transaction on your behalf when a sale is the desired exit strategy.

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CIBC Wood Gundy Financial Services Inc*. Products and Services Insurance Products

Estate Planning Solutions

• Whole Life

• Wealth Preservation

• Universal Life

• Income Protection

• Term Insurance

• Charitable Giving

• Disability Insurance

• Estate Tax Strategies

• Critical Illness Insurance

• Tax Planning for Personal and Business

• Long-Term Care • Alternative Insurance • Annuities • Segregated Funds

*In Quebec, insurance services are available through CIBC Wood Gundy Financial Services (Quebec) Inc.

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CIBC Wood Gundy Financial Services Inc. Wealth is about more than just assets. It’s about independence, financial success, the ability to meet the needs of your family and support your favourite causes. Our team of knowledgeable, industry-recognized Estate Planning Specialists (EPS)* can advise you on insurance solutions and estate planning strategies to help you reach these goals and preserve your wealth. An EPS will review your insurance and estate planning needs and work with you to create and implement a personalized strategy designed to meet your present and future objectives. *Financial Security Advisor in Québec

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CIBC FirstCaribbean International Bank’s Services • Immigration Tax Planning • Gift or Inheritance Trusts • Wealth Preservation • Asset Protection

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CIBC FirstCaribbean International Bank CIBC FirstCaribbean is a major Caribbean bank offering a full range of market-leading financial services in Corporate Banking, Retail Banking, Wealth Management, Credit Cards, Treasury Sales and Trading, and Investment Banking. It is the largest, regionally-listed bank in the English and Dutch-speaking Caribbean. The bank has over 69 branches, 22 banking centres, and seven offices in 17 countries. Under the leadership of CIBC FirstCaribbean International Bank, CIBC Bank and Trust Company (Cayman) Limited and CIBC Trust Company (Bahamas) Limited, clients have the ability to establish a trust domiciled in the Cayman Islands or Bahamas. In addition, any assets held within an offshore trust can continue to benefit from the professional investment advice of your CIBC Wood Gundy Investment Advisor.

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CIBC Investor’s Edge Accounts • Investment Accounts • Registered Accounts • Corporate Accounts • Trusts • Investment Clubs • Estates

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CIBC Investor’s Edge CIBC Investor’s Edge is a discount online brokerage for investors who want to assume responsibility for some of their investment choices, yet have made the decision to not go it entirely alone. CIBC Investor’s Edge provides you with online and mobile access to your account, and you can choose from a variety of investments, including stocks, fixed income instruments, options, GICs and mutual funds. When you bank with CIBC, you have access to both your investment and banking accounts with one login, and you can easily integrate your everyday financial management with the longer-term investing and retirement plan you have created with your CIBC Wood Gundy Investment Advisor.

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CIBC Miracle Day – Since its inception, Miracle Day has raised $69 million for children’s charities across Canada and $219 million globally as of 2012. CIBC Youthvision – Each year the CIBC Youthvision Scholarship program commits more than $1 million to make post-secondary education dreams a reality for youth-in need, ultimately helping to break the cycle of poverty in their family. CIBC Run For The Cure – Each year, thousands of people join together to run and walk for their sisters, mothers and friends. The Run raises millions of dollars for the Canadian Breast Cancer Foundation. United Way – Each year our employees and retirees support United Way in our local communities through fundraising, donating, and volunteering efforts. In 2012, CIBC employees donated over $11 million to this important cause. Toronto 2015 Pan Am and Parapan Am Games – CIBC is the Lead Partner of the Games, and proud to inspire a generation of young athletes, enrich our communities and leave behind a sustainable legacy for years to come.

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Community Matters We care about nurturing and educating Canada’s children and young adults so they can build a better future. We care about bringing hope and relief to people affected by cancer so together we can find a cure. Our commitment to support and strengthen the communities in which we live and work is just as crucial as helping our clients achieve what matters to them. At CIBC, our culture is deeply rooted in a strong tradition of coming together for what matters – especially

Kids, Cures and Community.

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Make CIBC Your One-Stop Solution With answers to all of your financial needs, you benefit from having freedom and peace of mind knowing that CIBC is the only bank you will ever need. Don’t leave your financial security to just anyone. By working with your CIBC Wood Gundy Investment Advisor, you will have access to the industry’s top professionals who put your interests first. To establish your own team of experts, speak with your CIBC Wood Gundy Investment Advisor today.

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www.cibcwoodgundy.com

CIBC Wood Gundy is a division of CIBC World Markets Inc., a subsidiary of CIBC and a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. Clients are advised to seek advice regarding their particular circumstances from their personal tax and legal advisors. Insurance services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are available through CIBC Wood Gundy Financial Services (Quebec) Inc.