CIBC Everyday® Chequing Account

This account is for you if you want:

• To make 10 transactions or less every month and are looking for a low monthly fee of only $3.90, with each additional transaction being $0.65
• Monthly fee waived when you keep a minimum monthly balance of $1,000 in your account
• 24 hour access to your account through CIBC branches, bank machines, telephone banking, online banking, mobile banking or debit purchases

Plus, with the CIBC Express Switch® Service3, it's easy to transfer your pre-authorized transactions and/or account balance from another bank to CIBC.

Other account details:

• Paperless record keeping4 is included with this account
• Monthly statement with cheques imaged: $2.50/month
• Interim statement: $4.50 each

Trademarks and disclaimers

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 November 23, 2009.

1 Monthly fee is waived if you maintain a minimum balance of $1,000

2 "Transaction" includes the following: cheques, withdrawals, pre-authorized payments, bill payments and debit purchases. All withdrawals at bank machines not displaying the CIBC name or logo are subject to additional fee(s).

3 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.

4 "Paperless" record keeping enables customers to track account activity online, by phone or bank machine within the CIBC network. Please note, no electronic or printed statements will be sent to customers with this option. Customers must review their account transactions through CIBC Online Banking, CIBC Telephone Banking or bank machines within the CIBC network at least once every 30 days and examine all entries and balances at that time. Customers can also select bankbook, basic monthly, quarterly or monthly statement with cheques imaged (only the front of cheques will be imaged) as their record keeping option.

5. Offer applies only to new Safety Deposit Boxes (where available), rented to Newcomers who also open a new CIBC chequing account. The prorated annual Safety Deposit Box fee plus taxes is due when the Safety Deposit Box is first rented; the regular annual Safety Deposit Box fee plus taxes will be collected in January of each year. The customer will be reimbursed the cost of a small Safety Deposit Box rental (up to $45 plus tax) into their CIBC chequing account approximately one to four weeks of the box being rented. This cannot be combined with any other Safety Deposit Box offer.

® Registered trademark of CIBC.

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