President's Choice Financial

Earn 2% interest on all new deposits from January 1 to April 30, 2010 with any of these three President’s Choice Financial^® registered savings accounts:

Tax-Free Interest Plus^TM savings account
Interest Plus RRSP
The World’s Best^TM RRSP

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*Terms and Conditions for Promotional Deposit Rate Offer

The following Terms and Conditions explain in detail how up to 2% promotional annual interest rate can be earned on new balances in an existing Eligible Account (as defined below) or on deposits to a new Eligible Account:
• An “Eligible Account” includes the following products: (i) an existing President’s Choice Financial The World’s Best RRSP, Interest Plus RRSP and Tax Free Interest Plus savings account, and (ii) a new President’s Choice Financial The World’s Best RRSP, Interest Plus RRSP and Tax Free Interest Plus savings account that is opened between January 1 and April 30, 2010 and in which funds are deposited during that period.

a. This promotional interest offer (the “Offer”) begins on January 1, 2010 and continues until April 30, 2010 (the “Offer Period”).

b. Under the Offer, promotional interest (“Promotional Interest”) is the amount of interest to be paid that is in excess of the regular interest paid on each Eligible Account balance. This means that the annual Promotional Interest rate, plus the regular annual interest rate, on an Eligible Account is 2%. Promotional Interest will be paid on the portion of the account holder’s Eligible Account(s) monthly average of their daily closing balance(s) during the Offer Period that exceed(s) the/their closing balance(s) as at December 31, 2009 (the “New Balance”). If an Eligible Account is overdrawn as at December 31, 2009, the December 31, 2009 closing balance is deemed to be zero. If an Eligible Account is opened during the Offer Period, it will earn a combined rate equal to the current Promotional Interest rate plus the current regular interest rate; the Promotional Interest will be earned on the monthly average of its daily closing balance(s) from the date it is opened for the duration of the Offer Period. If an Eligible Account is closed on or before the interest payment date (i.e. the last calendar day of the month) for a particular month during the Offer Period, Promotional Interest will not be paid for that month.

c. Eligible Accounts will continue to earn regular interest on balances, calculated daily and paid monthly.

d. The Promotional Interest will be paid at the end of each month during the Offer Period to the account holder’s Eligible Account(s). If an account holder has multiple Eligible Accounts, the Promotional Interest for each Eligible Account will be paid separately into each account.

e. Promotional Interest will not be earned on any New Balances on an account holder’s Eligible Account(s) in excess of $1,000,000 in the aggregate during the Offer Period. The provider of President’s Choice Financial personal banking services (the direct banking division of CIBC), reserves the right to change the terms of the Offer at any time, and revoke the Offer for any customer who appears to be manipulating or abusing the Offer, or is engaged in any suspicious/fraudulent activity. Promotional Interest will not be paid on funds that are transferred from an existing Eligible Account to another existing or new Eligible Account.

f. PLEASE NOTE: Promotional Interest as well as regular rates are subject to change at any time; please speak to a President’s Choice Financial personal banking representative for current rates.

^®™ PC, President’s Choice, PC Financial, President’s Choice Financial, The World’s Best, Interest Plus and Fresh Financial Thinking are trademarks of Loblaws Inc. CIBC a licensee of the marks. ^†President’s Choice Financial personal banking services are provided by the direct banking division of CIBC.