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At CIBC Imperial Service, investment advice and services are provided by CIBC Imperial Investor Service ("IIS") division of CIBC Investor Service Inc. ("ISI") or by CIBC Securities Inc.("SI"), and in Quebec by SI. ISI is a subsidiary of CIBC, Member of the Canadian Investor Protection Fund and Member of the Investment Industry Regulatory Organization of Canada. SI is a subsidiary of CIBC and member of the Mutual Fund Dealers Association of Canada.

In order to access such trading services, a customer must be resident in Canada at the time of the trade.

This communication does not constitute any offer or solicitation to residents of the United States or the United Kingdom, or any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult their advisors to determine if these products and services may lawfully be sold in their jurisdiction.

CIBC and its subsidiaries provide services in those jurisdictions in which CIBC or the particular subsidiary is licensed or permitted to conduct business. CIBC Private Banking subsidiaries outside of Canada and the United States are not licensed to provide trust, investment advisory, loan, or brokerage services in Canada or the United States.

CIBC Imperial Service is available only in select markets, depending on the availability of qualified professional advisors.

CIBC Personal Portfolio Services® is a discretionary investment management service provided by CIBC Trust Corporation and distributed by SI and ISI, subsidiaries of CIBC, to individuals with household investable assets greater than $100,000.

CIBC Imperial Service is available in selected markets and is most appropriate for households with investments and savings greater than $100,000.

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