Profit From Professional Management With CIBC Wood Gundy Investment Consulting Service

Effectively managing your investments requires in-depth knowledge of economic conditions, market forces, and the complex financial environment. If you're like many investors, the demands on your schedule don't allow you to dedicate as much time to the management of your financial affairs as you would like.

Investment Consulting Service is an exclusive investment service for clients with sophisticated needs. It offers the breadth of choices you expect from a major investment firm and provides access to an institutional-style of investing.

Through Investment Consulting Service you are provided with:

• A custom portfolio tailored to your investment objectives and risk profile.
• Access to a wide range of investment strategies enabling us to build a balanced, diversified institutional-style portfolio at a competitive fee for you.
• Confidence in knowing that CIBC Wood Gundy, Canada's leader in separately managed accounts¹, and its due diligence team will continuously monitor the investment managers to ensure that they continue to perform to our high standards.
• Controlled risk through the strategic combination of a broad selection of asset classes, geographic regions, market capitalizations, investment management styles and individual investment managers.

Investment Consulting Service is just one of the managed money solutions I offer my clients.

CIBC Wood Gundy is responsible for the advice provided to CIBC Wood Gundy Investment Consulting Service ("ICS") clients by any of the ICS investment managers. The ICS program manager, CIBC Asset Management Inc., is a subsidiary of CIBC. ™CIBC Asset Management is a registered trademark of Canadian Imperial Bank of Commerce – CIBC Asset Management Inc. licensee.

¹ Source: The Fee Based Report, Winter 2009, published by Investor Economics Inc.

Creating A Well-Balanced Portfolio Using Fixed Income Investments

Through CIBC Wood Gundy, you have access to one of the largest inventories of fixed income investments in the industry.

Fixed income securities appeal to investors for several reasons:

• Diversification: By diversifying your portfolio with fixed income securities, you can reduce your investment risk and potentially increase your returns over time.
• Safety: Fixed income securities provide a steady stream of income and an issuer guaranteed pay-back price if held to maturity. In addition, the safety of a fixed income security is reflected in the credit rating of the issuer.
• Certainty: High quality fixed income securities can provide a series of predictable cash flows over a period of time with minimal risk to the invested capital. This feature is essential for budgeting and long-term planning.
• Choice: The multitude of fixed income securities available today provides investors with a flexible means to increase the value of their investments.

Whether you're looking for government bonds, corporate bonds, stripped bonds, GICs or money market instruments, we have access to the fixed income product you need.