CIBC's history spans over 140 years- the Canadian Imperial Bank of Commerce (CIBC) formed in June 1, 1961 through one of the largest bank mergers in Canadian history. CIBC currently provides access to one of Canada's largest bank-owned bank machine networks and more than 1,070 branches across Canada. Your move to Canada brings new beginnings and exciting opportunities. As you start this new chapter in your life, deciding how to best manage your finances is an important decision.

Is it for you?

The CIBC Newcomers to Canada Plan is a convenient package designed to save you money. The Plan is available to those who have obtained permanent resident status within Canada in the last 2 years1

Key benefits:

Save your money	FREE day-to-day banking for 1 year, with the CIBC Everyday Chequing Account. Pay no monthly fee and no fees on an unlimited number of transactions2 like withdrawals at CIBC bank machines and branches, writing cheques, paying bills, and pre-authorized payments
Keep your valuables safe	Protect your valuables in a safety deposit box. If you open a CIBC chequing account and open a new Safety Deposit Box, you'll receive up to $45 Cash Back3. Check with your branch for availability
Purchase your dream home	Streamlined approval for a CIBC Newcomer Mortgage helps you purchase your dream home with a low down payment4 - even with limited or no Canadian credit history.

Interested in the CIBC Newcomers to Canada Plan?

Visit one of our branches to apply or call 1-866-525-8622 for more information.

CIBC can also help you:

Establish your Credit Rating in Canada	Establish your credit rating5, and access funds with our CIBC Dividend Card®. There's no annual fee, and you earn up to 1% cash back on net purchases you make with your card6. The current annual interest rate is 19.5%.
Save and invest for your future	Make the most of your savings with an account like the CIBC Bonus Savings Account. Choose from a range of investment options including Guaranteed Investment Certificates (GICs), mutual funds7, and portfolio solutions.

Enjoy easy and convenient banking with:

Extended hours, including evenings and Saturdays. Some of our 1,000+ branches also offer banking on Sundays
Easy bill payment through CIBC Online and Telephone Banking at any time and from almost anywhere
CIBC Telephone banking available in English, French and Chinese
Special credit approval offer for newcomers for both personal and small business needs
Access to one of the largest networks of bank machines, with over 3,800 bank machines in English, French and Chinese

Trademarks and Disclaimers

1 The CIBC Newcomers to Canada Plan may be changed or withdrawn at any time. Unless otherwise specified, special offers are limited to one per person. Offers apply to newly-issued products only. To be eligible to receive the CIBC Newcomers to Canada Plan offers, the customer must present his/her official Permanent Resident Card or Letter and request the CIBC Newcomers benefits when applying for a product. Credit products are not available to Newcomers with an unsatisfactory credit history.

2 Offer available on new CIBC Everyday Chequing Accounts only. A transaction includes a cheque, withdrawal, pre-authorized payment, bill payment or debit purchase. The waived fees are the regular monthly fee of $3.90 for up to 10 transactions plus $0.65 per each additional transaction beyond 10. Fee(s) apply to withdrawals at non-CIBC bank machines. Although transaction fees, including for processing cheques, are waived for one year, a fee applies if you purchase a booklet of cheques. Fee waiver is in effect for one year, after which regular monthly and transaction fees will automatically apply without prior notice.

3 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.

4 CIBC Newcomers Mortgage is limited to landed immigrants (regardless of when they attained that status)who do not have a Canadian credit bureau file that was opened more than 3 years ago.
Minimum down payment required. Credit approval is required. Other conditions and restrictions apply. Ask for details.

5 Subject to credit approval. Cash deposit equal to credit limit may be required.

6 Rebate rate depends on amount of Card purchases during year. Rebate is earned on Card purchases less returns, and not on cash advances, regular Convenience Cheques, Balance Transfers, fees, interest or payments. Rebate is credited to the Card account when the December account statement is issued, if Card is in good standing (otherwise, the rebate is cancelled.)

7 CIBC Mutual Funds and CIBC Managed Portfolios are offered by CIBC Securities Inc., a subsidiary of CIBC. CIBC Managed Portfolios are mutual funds that invest in other CIBC Mutual Funds. CIBC Managed Portfolio Services is a service offered by CIBC Securities Inc. that helps you select an appropriate professionally built CIBC Managed Portfolio. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual Funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer, nor are they guaranteed by CIBC. Mutual Fund values change frequently and past performance may not be repeated.

™ Trademarks of CIBC.

® Registered trademark of CIBC.

"CIBC For what matters." and "It's worth a talk."are TMs of CIBC.

®1Registered trademark of INTERAC Inc.,CIBC authorized user.