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[music]

[On screen: A man and woman dressed in casual fall attire are walking down a path which leads to a dock by the waterside. They walk out onto the dock together and look out.]

SPEAKER 1: Our family values are really the deepest part of our practice. We live and breathe our values, and we bring those values to our clients.

[On screen: The woman is now in focus sitting down in front of a background of trees and flowers. The scene transitions to the front of an office building where the man and woman, now dressed in business attire, greet another man and engage in pleasant conversation. The man and woman then walk into the office building. ]

SPEAKER 2: The reality is what we have experienced in the 30 years, is that the people that are most successful in their lives are the ones that have taken the time to plan.

[On screen: The woman is now in focus sitting down in front of a background of trees and flowers. ]

SPEAKER 1: I started in this business to help manage money, but truly, I've realized that really my purpose is helping people, and really, truly what The Applegath Group does is we help people create a vision for themselves, and follow their dreams.

SPEAKER 2: We've carefully crafted a team.

SPEAKER 1: Our team is like a family to us. We love working with them, and they love working with us.

[On screen: Inside the building. Images of team members working individually and collectively on various tasks in different parts of the office.]

SPEAKER 2: We have six people that all have specific skills because we do so much for our client. We have structured it so that each individual is doing a specific role, which they are best at.

[On screen: The man and woman review the "Life Wheel." ]

SPEAKER 2: The Life Wheel enables us to look after virtually every aspect of their life, so that they know they're well taken care of. They have peace of mind. They recognize that they've ticked all the different boxes, that there's nothing missing in their plan. We continue to monitor, and adapt, and using the Life Wheel, we can constantly keep on top of whatever life throws at individuals.

SPEAKER 1: People come to wealth advisors to ask about their retirement plan, but one of the things we always ask our clients is, "What about your life plan?" That's really where we bring the Wheel in.

[On screen: The man and woman are back outdoors in casual attire walking with their dog down a path. Their two adult sons join them.]

SPEAKER 1: Legacy is really important to us, and really to a lot of our clients it's, "What are you leaving behind?" For us, it's our family. It's our sons. Hopefully, we'll have grandchildren one day, but over and above that, we try to help our clients define their legacy, and what's important to them.

SPEAKER 2: Designing a life solution is important because it looks at every aspect of life, so that your life ends up being rich, and full, and meaningful.

SPEAKER 1: We live our values every day.

SPEAKER 2: It's really important to us to understand how that affects, not just our own family, but certainly our clients, our staff, and our co-workers. We're managing third and fourth generation families. Clients trust us, families trust us. They get to know us, and they stick with us, and that's really a sign of how deep our relationship is with the family, and with our clients.

[On screen: The CIBC logo. The letters "CIBC" in bold, capitalized red font. To the right of this text is a stylized red hexagon with a smaller hexagon cut out from its center.

Next to the logo, in large, capitalized letters, it reads "CIBC PRIVATE WEALTH" in a bold, sans-serif typeface.

At the bottom of the image, there is a disclaimer in smaller, less prominent text. It reads: "CIBC Private Wealth Management consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. 'CIBC Private Wealth Management' is a registered trademark of CIBC, used under license. 'Wood Gundy' is a registered trademark of CIBC World Markets Inc." ]