CIBC PremierService® Account

The CIBC PremierService Account takes care of your banking, investing and credit needs in one comprehensive package.

Apply once and receive unlimited banking transactions on a daily interest chequing account, free money orders, bank drafts, personalized cheques, your choice of 5 premium CIBC VISA** Cards and no annual administration fees on your CIBC Mutual Fund RRSPs or RESPs - all for a flat fee of $24.50 per month.

With the CIBC Express Switch® Service1, it's easy to transfer your pre-authorized transactions and/or account balance (with account closure) from another bank to CIBC.

Interested in opening a new account?

Visit one of our branches today to speak with a CIBC advisor.

Is it for you?

The CIBC PremierService Account could be for you if any of the following apply:

You want to apply once to receive a number of valuable services
You want to have one flat, monthly fee covering several CIBC products and services
You want unlimited transactions on your personal bank account

Key benefits

Makes you money	Interest on the daily interest chequing account is calculated on each day's final balance and paid monthly
Saves you money	Unlimited transactions2 for just 1 flat monthly fee of $24.50 Free transfers3 to other CIBC personal bank accounts 4 free non-CIBC INTERAC* bank machine withdrawals per month Personalized CIBC PremierService cheques at no charge No charge for bank drafts, money orders, certified cheques or stop payments4 Commission-free Regular Travellers Cheques when purchased at any CIBC branch; Travellers Cheques for Two®2 will be charged a discounted commission of 0.75%
Convenient	Comes with a CIBC Convenience Card® 24-hour access to your account through bank machines, CIBC Telephone Banking, CIBC Online Banking and INTERAC Direct Payment Easy to arrange pre-authorized payments Choose the free record keeping option that suits you best: bankbook, basic monthly or quarterly statement, paperless option or monthly statement with cheques imaged5 CIBC Express Switch Service makes it easy to switch your pre-authorized transactions and/or account balance (with account closure) from another bank to CIBC
Package features	Choose a CIBC Gold VISA Card and save the annual fee of $99 for the primary card ($69 for cardholders age 65 or older) and $30 for an additional card Choose a CIBC Aerogold* VISA Card or CIBC Aerogold VISA INFINITE Card and save the annual fee of $120 for the primary card and $50 for an additional card Choose a CIBC Aventura® Gold VISA Card or CIBC Aventura VISA INFINITE Card, and save the annual fee of $120 for the primary card and $50 for an additional card CIBC Personal Line of Credit (minimum $5,000) is available Invest in a CIBC Mutual Fund RRSP or RESP6 and save the annual administration fee

Information you need to know:

Monthly fee: $24.50
Interim statement: $4.50
You must qualify for this account, including CIBC Overdraft Protection Service, a VISA card and a CIBC Personal Line of Credit (if you wish any or all of these credit features), under CIBC's credit guidelines

Important information

Products and their features may change at any time.

This is a general description only. For complete information about fees, refer to the service fee disclosure brochure Personal Account Service Fees, effective April 1, 2009.

1 CIBC Express Switch is available only when an account is opened in a branch or by CIBC Telephone Banking. If you wish to use this service, your account at another bank must be a traditional branch-based personal bank account from which CIBC Express Switch can transfer pre-authorized transactions and/or account balances. Eligibility may change from time to time and some pre-authorized transactions may not qualify for the switch.

2 A transaction includes the following: cheques, withdrawals, pre-authorized payments, bill payments and INTERAC Direct Payment purchases. Account transfers done by cheque will be treated as transactions. Additional fee(s) apply to withdrawals at non-CIBC bank machines except for the first four INTERAC bank machine withdrawals each month; these free transactions cannot be carried forward to subsequent months.

3 Special request transfers between accounts entail additional charges; for information about Transfers of Funds prepared by CIBC, see Account Fees.

4 Free stop payments applies to cheques and pre-authorized payments only.

5 Only the front of cheques will be imaged.

6 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.

® Registered trademark of CIBC.

®2 Cheques for Two is a Reg. TM of American Express Company; used under license from American Express Company.

* Trademark of Interac Inc., CIBC authorized user of trademark.

** Visa Int./ lic. users.

*** Registered trademark of Aeroplan Canada Inc. CIBC is an authorized licensee of the mark.