[On screen: The CIBC logo.]

 

[music]

 

[On screen: A graphic with three figures underneath three rising bar graphs, labeled 'Investment Portfolio'. Each figure and corresponding bar graph increases in size from left to right. ]

 

OFF-SCREEN NARRATOR: Many Canadians look to earn higher returns from their portfolios by investing in securities like mutual funds, ETFs, and stocks.

 

[On screen: Three colored circles appear horizontally across the screen, labeled 'Mutual Funds', 'ETFs', and 'Stocks', each a shade of deep purple. ]

 

OFF-SCREEN NARRATOR: However, many of these investors feel like they're at the mercy of the market's highs and lows while attempting to reach their goals.

 

[On screen: An image features a zigzagging line graph against a background of horizontal stripes, illustrating market volatility. The line has peaks and troughs, representing the highs and lows of the market. ]

 

OFF-SCREEN NARRATOR: These investors are unaware that there are investment solutions like CIBC Principal At Risk Notes that start with their goals in mind.

 

[On screen: A bold rectangle labeled 'Principal at Risk Notes' dominates the center of the screen against a plain background. Beneath it, text asserts, "THERE ARE INVESTMENT SOLUTIONS THAT START WITH INVESTORS’ GOALS IN MIND. ]

 

OFF-SCREEN NARRATOR: CIBC Principal At Risk Notes can be tailored to an investor's specific time horizon, cash flow needs, and risk tolerance with the sole aim of increasing the probability of meeting their unique goals.

 

[On screen: A wallet with dollar bills, a calendar, and a risk gauge. ]

 

[On screen: Icons for a house, graduation cap, and airplane within circles, centered around a larger circle with a checkmark. ]

 

OFF-SCREEN NARRATOR: Let's take a look at Eddie. He's 66, recently retired, and needs approximately 7% per annum in cash flow to fund his lifestyle.

 

[On screen: a profile box for 'Eddie', a 66-year-old retiree. It lists his goal for a 7% annual cash flow. ]

 

OFF-SCREEN NARRATOR: With a traditional investment approach, Eddie would need the market to generate approximately 7% per year in cash flow without declining in value or would need to buy a high-risk bond to maintain his lifestyle.

 

[On screen: A line graph showing a 'TRADITIONAL INVESTING APPROACH' with a trajectory that includes several downturns, marked by a dotted line leading to a question mark, suggesting uncertainty. The caption discusses the need for a high-risk bond to maintain one's lifestyle. ]

 

OFF-SCREEN NARRATOR: But by using CIBC Principal At Risk Notes, Eddie can customize his investments with the potential to generate 7% in cash flow per year, even if the market is flat or slightly negative.

 

[On screen: A line graph titled 'CIBC PRINCIPAL AT RISK NOTES' against a deep burgundy backdrop. A smooth, ascending yellow line represents a steady investment return, punctuated by green circles labeled with '7%' to denote consistent cash flow. ]

 

OFF-SCREEN NARRATOR: CIBC Principal At Risk Notes may be suitable for investors like Eddie who are already investing in mutual funds, ETFs, and stocks, and are comfortable with some downside risk, and are looking to maximize the probability of achieving their specific target return.

 

[Text on screen: PRINCIPAL AT RISK NOTES

May be suitable for investors who:

• • Are already investing in mutual funds, ETFs, and stocks and are comfortable with some downside risk

• • Are looking to maximize the probability of achieving their specific target return ]

OFF-SCREEN NARRATOR: CIBC Principal At Risk Notes, where your financial goals are the benchmark.

[Text on screen: CIBC Principal at Risk Notes, where your financial goals are the benchmark. ]

[music]

[On screen: The CIBC logo prominently in the center against a minimalist white background. A legal disclaimer is subtly included below, stating that "The CIBC logo is a trademark of CIBC. All other trademarks are owned by CIBC or related entities." ]

[On screen: CIBC logo ]

 

[music]

 

OFF-SCREEN NARRATOR: Canadian investors who need capital protection, but are not willing to lock up their hard-earned money in a GIC, often accept a reduced rate of return from a savings account.

 

[On screen: Slide titled 'There Are Other Investment Solutions.' Three circular icons in a horizontal sequence. From left to right: first, a trio of human figures, symbolizing investors. Second, a shield with a dollar sign, indicating capital protection. Third, a prohibited sign over a padlocked document, suggesting alternatives to locked investments. The background is white with a light purple theme for icons. ]

 

[Text on screen: The are other investment solutions ]

 

OFF-SCREEN NARRATOR: These investors are unaware that there are other investment solutions, like CIBC Principal Protected Notes, that provide the same capital protection of traditional GICs, but with increased return potential.

 

[On screen: Slide with a heading 'Principal Protected Notes.' Below, three icons: a shield with a dollar sign, a rectangle with 'Principal Protected Notes' text, and two vertical arrows pointing up. ]

 

OFF-SCREEN NARRATOR: Meet Priya. Priya is in her mid-40s and has been investing for years in order to purchase a house in the near future.

 

[On screen: Profile card for an investor named Priya. The card, in deep purple, lists her attributes: in her mid-40s, a seasoned investor, with a goal to purchase a house. The card features a stylized user icon, without actual photographs. ]

 

[On screen: Slide titled 'Traditional GIC.' It shows a displeasure with traditional GICs using a bar chart with seven bars. ]

 

OFF-SCREEN NARRATOR: Although Priya is unhappy with the fixed rates being offered on traditional GICs, she's not willing to risk what she's already earned for her down payment, or lock up her money for several years.

 

[On screen: A slide with the title 'High-Risk Investment.' It features a bar graph with varying heights in dark purple, representing the volatility and risk associated with high-risk investments. The background is a lighter shade of purple. ]

 

[On screen: Slide with three padlock icons with dollar signs, each locked and in a reddish-purple tone. ]

 

OFF-SCREEN NARRATOR: By investing in a CIBC Principal Protected Note, Priya benefits from 100% principal protection at maturity with the higher return potential of the stock market.

 

[On screen: An image showcasing the 'CIBC Principal Protected Note.' It features a lock icon within a color gradient square, transitioning from dark to light purple. Text assures 100% principal protection with stock market returns upon maturity. ]

 

OFF-SCREEN NARRATOR: Now Priya may reach her goals sooner, with peace of mind along the way.

 

[On screen: Slide with a house icon on a podium marked 'SOLD' in vibrant purple. Text: Priya may achieve her goals sooner, with peace of mind along the way. ]

 

OFF-SCREEN NARRATOR: Principal Protected Notes may be suitable for investors like Priya, who value 100% principal protection at maturity and are looking to potentially earn above market returns relative to fixed rate GICs and savings accounts.

 

[Text on screen:

PRINCIPAL PROTECTED NOTES

May be suitable for investors who:

• • Value 100% principal protection at maturity

• • Are looking to potentially earn above market returns relative to fixed rate GICs and savings accounts ]

OFF-SCREEN NARRATOR: CIBC Principal Protected Notes. Increase your return potential, not your risk.

[Text on screen: 'CIBC Principal Protected Notes' Underneath it reads, 'Increase your return potential, not your risk.' ]

[music]

[On screen: CIBC logo. Text: 'The CIBC logo is a trademark of CIBC. All other trademarks are owned by CIBC or related entities.']