Can I Combine My Investments With My Banking?

As CIBC Wood Gundy's premium investment account, Asset Advantage Account® (AAA) combines all the features of a traditional investment account with CIBC Wood Gundy's best interest rates and a complement of CIBC personal banking and VISA* card services - together in one account, with one monthly statement and a single annual fee.

Features:

With AAA you enjoy personalized, ongoing investment advice, complete trading and margin privileges in multiple currencies and all the services of a premium bank account. AAA offers no-charge chequing in Canadian and U.S. dollars; preauthorized bill payments; direct deposit services; overdraft protection; and a wide range of electronic banking services. With CIBC bank machines, Telephone Banking and Online Banking services, you can use AAA to perform most banking transactions, 24 hours a day. As an AAA client, you can obtain funds from any Interac** or PLUS* system bank machine, worldwide. Using the AAA convenience card, you can make direct payment purchases from your AAA using Interac Direct Payment terminals at participating merchants in Canada.

Two optional VISA cards are available with AAA:

• CIBC Aerogold® VISA is the premium credit card that offers you a world of travel and exclusive benefits
• CIBC Wood Gundy AAA VISA provides you with everyday convenience and a range of other features

For your convenience, CIBC Wood Gundy automatically pays the VISA bill out of the available cash and margin credit in your account each month.

AAA's greatest advantage is that it offers what most investment accounts don't - premium interest rates on every dollar of cash held in the account. As an AAA client, you also enjoy CIBC Wood Gundy's lowest rates on any margin balances carried. AAA cheques are cleared first using the available cash in the account, then available margin then available VISA credit. In this way, AAA always provides overdraft protection from the least expensive source of funds.

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AAA Delivers Successful Money Management

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The information contained herein is considered accurate at the time of posting. CIBC and CIBC World Markets Inc. reserve the right to change any of it without prior notice. It is for general information purposes only.

®Wood Gundy Asset Advantage Account and Asset Advantage Account are registered trademarks of CIBC World Markets Inc.

*VISA Int./CIBC and CIBC World Markets Inc., Lic. Users.

** Trademark of Interac Inc.; CIBC Authorized User of the trade-mark.

®Aerogold is a Registered Trademark of Air Canada. CIBC is an Authorized Licensee of Mark.