CIBC Investor's Edge

✅ 100 Free Trades Offer^† (EDGE100)

• Offers 100 commission-free online trades on North American stocks and ETFs
• Valid for new eligible accounts opened between April 16, 2025 and September 30, 2025
• Trades must be used by September 30, 2026
• Promo code to use: EDGE100
• Applies to online trades only; excludes options, mutual funds, fixed income, and other securities
• Does not count toward Active Trader status
• Only one account per account type is eligible

✅ 100 Free Trades for Newcomers^† (EDGENC25)

• Offers 100 commission-free online trades on North American stocks and ETFs
• Valid for new eligible accounts opened by June 30, 2026
• Trades valid for up to two years after account opening
• Promo code to use: EDGENC25
• Must also hold a CIBC Smart™ Account for Newcomers
• Only one eligible account per account type
• Excludes options, mutual funds, fixed income, and other asset classes

✅ Premium Edge Cash‑Back Offer^†

• Cash-back bonus for transferring assets from outside institutions into eligible accounts
• Asset transfer must be initiated between April 1, 2025 and September 30, 2025
• Assets must be received by October 31, 2025
• Cash-back will be paid the week of May 5, 2026
• Payout tiers:

• Only one cash-back payout per client, per account type, per calendar year
• Assets must remain above the required threshold until payout
• Withdrawals before payout may disqualify eligibility
• Currency and market fluctuations do not affect eligibility

• Equity & ETF Trades (Online): $6.95 per trade
• Active Trader (150+ trades/quarter, enrolled): $4.95 per trade
• Students (25+ with CIBC Smart™ for Students): $5.95 per trade
• Young Investors (<25 with CIBC Smart™ Start): $0 per trade
• Options Trading: $6.95 per trade plus $1.25 per contract
• Money Market Mutual Funds: $0
• Other Mutual Funds: $6.95 per trade
• Fixed Income / GICs / Structured Notes: $3.00 per $1,000 face value (min $30, max $250)
• Annual Fee (if total assets < $10,000): $100/year (shared across accounts; FHSA excluded)
• Annual Fee (if total assets ≥ $10,000): $0
• FHSA Accounts: No annual fee
• Margin Interest (CAD): 6.50%
• Margin Interest (USD): 8.75%
• Registered Account Debit Interest (CAD): 7.50%
• Registered Account Debit Interest (USD): 9.75%
• Currency Conversion Spread (<$25K): 1.6%
• Currency Conversion Spread ($25K–$100K): 0.9%
• Currency Conversion Spread ($100K–$250K): 0.5%
• Currency Conversion Spread (>$1M): 0.2%
• RESP Currency Conversion Spread: 0.1%
• Telephone Trades: $50 minimum commission
• Promo: 100 free trades with code EDGE100 (expires Sept 30, 2025)
• Promo: Cash-back up to $15,000 for asset transfers (expires Sept 30, 2025)

• No minimum deposit required to open an account
• Young investors under 25 must have a CIBC Smart™ Start chequing account to access $0 commissions and fee waivers
• Students aged 25 and over must hold a CIBC Smart™ for Students account to qualify for the $5.95 trade rate and fee waivers
• Active traders must complete 150+ trades per quarter and opt in to qualify for the $4.95 trade rate
• Free trade promo requires using code EDGE100 before Sept 30, 2025
• Premium Edge cash-back promo requires transferring external assets before Sept 30, 2025

CIBC Investor’s Edge is a self-directed investing platform operated by the Canadian Imperial Bank of Commerce (CIBC). It is regulated by IIROC and protected by CIPF. The platform offers low-fee trading on a wide range of securities and account types, with strong digital tools and bank integration.

Supported assets include Canadian and U.S. stocks, ETFs, options, mutual funds, fixed income products (bonds, GICs), IPOs, structured notes, precious metals (certificates), and CDRs (fractional shares of global companies).

Account types offered include TFSA, RRSP, RESP, FHSA, RRIF, LIRA, LRSP, LIF, non-registered cash and margin accounts, corporate, partnership, and trust accounts.

Investors benefit from a streamlined login via CIBC Online Banking, real-time quotes, research tools, watchlists, alerts, advanced charting, and U.S. extended trading hours from 8:05 a.m. to 6:00 p.m. ET.

Funding from CIBC bank accounts is typically same-day. Transfers from outside institutions follow standard processing timelines and may involve fees.

Customer support is available in English and French, with an Asian Trading Desk for Mandarin and Cantonese speakers. Communication channels include secure messaging, chat, and phone.

Limitations include no access to forex, CFDs, direct crypto trading (only via ETFs), and no demo account. Investor protection is backed by CIPF and multi-factor authentication.

CIBC Investor’s Edge is best suited for self-directed Canadians seeking a reliable, bank-integrated, cost-effective brokerage solution with no-frills tools and clear pricing.

^† The Offer begins April 16, 2025 and ends September 30, 2025.

Free Trade Offer applies to new eligible account(s) during the Offer Period online or by visiting a CIBC Banking Centre using promo code EDGE100.

100 commission-free online stock and ETF trades will be added to your account upon its opening. Any unused free trades will expire on September 30, 2026 and can’t be transferred to another CIBC Investor’s Edge account or used after the expiry date.

Eligible account types include Tax-Free Savings Account (TFSA), Registered Retirement Savings Plan (RRSP), First Home Savings Account (FHSA), Non-registered account (personal), Non-registered account (non-personal), Registered Retirement Income Fund (RRIF), Locked-In Retirement Savings Plan (LRSP), Locked-In Retirement Account (LIRA), Locked-In Income Fund (LIF)

For full Offer details, review the CIBC Investor’s Edge 100 Free Trades Offer terms and conditions (PDF, 36 KB).

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