Rates

• CIBC TFSA Tax Advantage Savings Account
• CIBC Bonus Rate TFSA GIC
• CIBC Escalating Rate TFSA GIC (3-year)
• CIBC Cashable Escalating Rate TFSA GIC (3-year)
• CIBC Escalating Rate TFSA GIC (5-year)
• CIBC Cashable Escalating Rate TFSA GIC (5-year)
• CIBC Flexible TFSA GIC
• CIBC TFSA GIC (Non-Redeemable)
• CIBC TFSA GIC (Redeemable)

CIBC TFSA Tax Advantage Savings Account

	Rate
Regular Interest Rate	1.000
Bonus Interest Rate	1.000

The interest rates quoted are annual rates. The rates will vary from time to time and are subject to change without prior notice.

Minimum deposit: $25

The following Terms and Conditions explain in detail how bonus interest can be earned on new balances in an existing CIBC TFSA Tax Advantage Savings Account™ or on deposits to a new CIBC TFSA Tax Advantage Savings Account.

General

1. The CIBC TFSA Tax Advantage Savings Account™ (the “TFSA Savings Account”) Bonus Interest Offer (the “Offer”) begins on Jan. 4, 2010 and continues until Apr. 30, 2010 (the “Offer Period”). The Offer applies to eligible TFSA Savings Accounts only.

Eligible TFSA Savings Accounts

2. If a TFSA Savings Account is opened during the Offer Period, it is eligible to earn Bonus Interest on the full daily closing balance from the date the TFSA Savings Account is opened for the duration of the Offer Period.

3. If a TFSA Savings Account was opened before the Offer Period, it will earn Bonus Interest on the portion of the account's daily closing balance that exceeds the closing balance as at Dec. 31, 2009 (the “New Balance”).

4. The Offer is limited to one TFSA Savings Account per customer. If a customer has more than one TFSA Savings Account, only the first TFSA Savings Account opened will be eligible.

Bonus Interest and Regular Interest

5. Interest at the current Bonus Interest rate is calculated daily on:

1. each day's New Balance for an eligible TFSA Savings Account opened before the Offer Period; or
2. each day's full closing balance for an eligible TFSA Savings Account opened during the Offer Period

and paid monthly.

Interest at the current Regular Interest rate is calculated daily on each day's full closing balance and paid monthly.

If the TFSA Savings Account is closed during the month, Bonus Interest is not paid for that entire month.

Restrictions

6. Bonus Interest will not be paid on funds that are transferred from an existing CIBC TFSA Savings Account to another existing or new CIBC TFSA Savings Account.

7. This Offer cannot be combined with any other offer. CIBC, in its sole discretion, may change these terms and conditions or withdraw this Offer at anytime without notice. CIBC reserves the right, in its sole discretion, to disqualify, limit or revoke this Offer in respect of any CIBC customer who it determines or believes is abusing or manipulating this Offer.

“CIBC TFSA Tax Advantage Savings Account” is a TM of CIBC.

Rates as of:

The GIC rates shown are for at-maturity interest payment option and may change without prior notice.

CIBC Bonus Rate TFSA GIC*

Term	Rate
1 year
2 year

CIBC Escalating Rate TFSA GIC (3-year)*

Ranges	Year 1	Year 2	Year 3	Effective Yield
$500 - $999,999

CIBC Cashable Escalating Rate TFSA GIC (3-year)*

Ranges	Year 1	Year 2	Year 3	Effective Yield
$500 - $999,999

CIBC Escalating Rate TFSA GIC (5-year)*

Dollar Ranges	Year 1	Year 2	Year 3	Year 4	Year 5	Effective Yield
$500 - $999,999

CIBC Cashable Escalating Rate TFSA GIC (5-year)*

Ranges	Year 1	Year 2	Year 3	Year 4	Year 5	Effective Yield
$500 - $999,999

CIBC Flexible TFSA GIC*

Term	Rate
1 year

CIBC TFSA GIC (Non-Redeemable)*

Term	Rate
2 - 4 months
5 - 8 months
9 - 10 months
11 - 13 months
14 - 17 months
18 - 22 months
23 - 25 months
26 - 29 months
30 - 34 months
36 - 46 months
47 - 49 months
50 - 58 months
60 months

CIBC TFSA GIC (Redeemable)*

Term	Rate
9 - 10 months
11 - 13 months
14 - 17 months
18 - 22 months
23 - 29 months
30 - 34 months
35 - 36 months

* Notes:

1. Interest rates quoted are annual rates. Rates are fixed for each GIC's term. Rates are subject to change without prior notice.
2. Interest calculation: For terms of 1 year of less, simple interest is paid at maturity. For terms over 1 year, compound interest is calculated annually and paid at maturity.
3. Minimum deposit: $500.
4. If a GIC is redeemed before maturity to transfer funds to a TFSA at another financial institution, no interest will be paid and a transfer fee will apply.