Fees

Schedule Effective Date: September 2009

Registered Accounts Investment Accounts

Other Administrative Fees

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General Administration Fees

Fees charged are for the period of January 1 to December 31, or any part therof, payable on September 1.

RRSP, RRIF, LIRA, LIF: $100

• There are no administration fees for any registered account with a market balance greater than $25,000

RESP: $50

• There is no administration fee for RESP accounts maintaining a market balance greater than $15,000

FundPlus, RRSP, RRIF, LIRA, LIF: $25

• In order to be eligible for this reduced fee, your registered account must be opened as a FundPlus account

TFSA: $50
Effective September 2011

• There is no administration fee if you have an existing CIBC Investor’s Edge registered account

Please Note: General Administration Fees are also applied to restricted accounts, regardless of account balances, where account documentation has been outstanding for more than 210 days since account opening.

Please Note: GST and provincial taxes are charged where applicable.

Other Registered Plan Fees

RRSP Deregistration Full Plan Closure $100 Partial Withdrawal $50

RRIF/LIF payments Scheduled Payments No Charge Full Plan Closure $25

Transfers Out
Transfer fee is waived if plan/fund is transferred within the CIBC group of companies.	$135

Substitutions (Swaps) (per security)
For exchanging securities held in your LIF/LIRA/RRSP/RRIF/RESP with cash or securities of equal value held outside the Plan.	$35

CCPC Transactions
Transaction fee for handling Canadian Controlled Private Corporation (CCPC) shares (per transaction). Note: GST and provincial taxes are charged where applicable.	$250

Mortgages for Registered Accounts

• The Mortgage Administration Fee is in addition to the annual RRSP/RRIF administration Fee. The Mortgage Administration fee is $225, payable on September 1, for each mortgage in your account at any time during the period of January 1 to December 31. The fee is not payable on a pro rata basis for any partial year that a mortgage is in your account.
  
  
• The Mortgage Set-Up Fee is $200 for each mortgage, payable at the time each mortgage is established in your Plan.
  
  
• The Renewal Fee is $85 for each mortgage.
  
  
• The Early Renewal Fee is $100 for each mortgage.
  
  
• The Discharge Fee is $100 for each mortgage.
  
  
• The Transfer In/Out Fee is $100 for each mortgage.

Additional fees (such as legal, appraisal, and CMHC/GEMI application fees) are applicable for most mortgages. Contact a CIBC Investor's Edge Representative for more details.

Note: GST and provincial taxes are charged where applicable.

Account Maintenance Fees

A fee of $60 CDN charged annually will be applied to CIBC Investor’s Edge non-registered accounts with market balances less than $10,000. Your account will be exempt from this fee if:

• you also hold a CIBC Investor's Edge registered account (RRSP, RRIF, RESP, LIRA, LIF)
  
  
• your account is an informal trust
  
  
• your account has been open for less than 90 days
  
  

This fee will be assessed based on account balances at the close of business day on September 15th of each year. This fee is also applied to all restricted accounts, regardless of account balances, where account documentation has been outstanding for more than 210 days since account opening.

Other Investment Account Fees

Transfers Out
Transfer fee is waived if plan/fund is transferred within the CIBC group of companies. Note: GST and provincial taxes are charged where applicable.	$135

Cash Transfers
Transfers to a CIBC branch	No Charge
Transfers to other institutions (electronic)	$15

Certificate Registration
Registration of securities in your name or in the name of a specified person	$50
Registration of each additional certificate	$5
Additional charges may apply if delivery of certificates is made by means other than regular mail.

Duplicate statements or confirmations (per statement or confirmation)

$10

Account Investigation Fee (minimum $25)

$40/hr

NSF cheque

$42.50

Unclaimed Accounts (per account)	$120/yr
This fee is charged to accounts where the client address is unknown, or where the account is unclaimed. Clients are responsible for ensuring that we have their up-to-date mailing address on file.

Out-of-pocket expenses incurred may be charged in certain circumstances (e.g., loss resulting from closing out a transaction, administration time, cost of funds at the prevailing margin interest rate to carry the account in a positive position, courier charges, etc.). If charges apply for additional services you request, they will be disclosed prior to implementation.

Notice of Fee Change: If a fee applicable to your account is increased or a new fee is introduced, you will receive notification 60 days prior to the effective date of the change.

If the fee relates to an activity in the Canadian dollar portion of your account, the charge will be in Canadian dollars. If the fee relates to an activity in the U.S. dollar portion of your account, the charge will be in U.S. dollars, unless otherwise noted.

Note: GST and provincial taxes are charged where applicable.

The information contained herein is considered accurate at the time of posting. CIBC, CIBC World Markets Inc. and CIBC Investor Services Inc. reserve the right to change any of it without prior notice. It is for general information purposes only. Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

CIBC Investor's Edge is the discount brokerage division of CIBC Investor Services Inc., member CIPF. CIBC Investor Services Inc. does not provide you with any legal, tax, or accounting advice or advice regarding the suitability or profitability of a security or investment in a CIBC Investor's Edge account. You assume full responsibility for transactions in your CIBC Investor's Edge account and for your investment decisions.

The information on this Web site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual, and you should not rely on it as such.