publicaccountability statement - pilot. file16 cibcannualaccountabilityreport2008 cibc is committed...

15CIBC Annual Accountabil ity Report 2008

This statement has been published by CIBC and the following affiliates of CIBC: CIBC World Markets Inc.;CIBC Mortgages Inc.; CIBC Life Insurance Company Limited; CIBC Trust Corporation; CIBC Securities Inc.;CIBC Investor Services Inc.; CIBC Global Asset Management Inc.; CIBC Global Asset Management (USA) Ltd.;CIBC Private Investment Counsel Inc.; CIBC Asset Management Inc.; CIBC BA Limited.

Public AccountabilityStatement

Public AccountabilityStatement

On October 5, 2008, 170,000 participants across Canada,including CIBC employees, family members and friends,joined together to raise $28.5 million to help create a futurewithout breast cancer.

CIBC Annual Accountabil ity Report 200816

CIBC is committed to providing accessible, affordable banking, while protecting our clients and

shareholders through strong governance practices. Being the leader in client relationships includes

providing advisory solutions, and products and services that address the needs of our diverse clients.

Nancy and Rui Almeida,the first clients of the newThompson and Steeles branchin Milton, Ontario, chose CIBCfor their mortgage needs. Thebranch, open seven days aweek, provides greaterflexibility, access and choicefor clients.

Our Clients


Providing accessible banking servicesAt CIBC we recognize that every client has uniquefinancial needs. Through our wide range of productsand with one of the largest distribution networks ofthe Canadian banks, CIBC offers customized solutionstailored to meet our clients’ individual goals.

Clients want the convenience of banking whenthey want and where they want. They want to havechoices. We offer financial services 24/7 throughonline banking, online brokerage, telephone bankingand our ABM network, which is the second largest ofthe Canadian banks. This year we continued toenhance access with the installation of Chineselanguage capabilities on all of our more than3,700 ABMs. Now clients can conduct their ABMbanking in English, French and Chinese. CIBC alsobegan the first phase of a multi-year plan to replaceits ABM network with machines that consume lesspower while offering the latest technology,accessibility and security features.

CIBC’s online banking provides clients with theoption of banking from the comfort of their own home.For example, clients can view their account details, paytheir bills and send and receive e-mail money transfers,all with a few clicks of their computer mouse.

To provide greater flexibility, access and choiceto clients using our branch network, we focused onbuilding, relocating and expanding branches, with61 branch projects underway in 2008 and eight new

full-service locations opened during the year. We alsoextended our service hours, including announcingthe introduction of Sunday banking at 45 locations,adding Saturday hours at 48 more of our branchesand offering evening hours in many locations.

CIBC has 1,050 branches across Canada. Wealso serve clients through 81 CIBC Wood Gundybranches and 174 President’s Choice Financialpavilions. In response to Canada’s diversepopulation, CIBC serves clients in multiple languagesin many branches, particularly in urban centres.

By making a simple call to CIBC TelephoneBanking, clients can access information on most typesof accounts by phone, including chequing, savings,mortgages, lines of credit, loans and investments.Clients who choose to utilize our award-winningInteractive Voice Response (IVR) system can be servedin English, French, Cantonese and Mandarin.

Serving clients with special needsCreating a barrier-free environment for both ourclients and employees is a priority at CIBC. In 2008,we completed a multi-year branch accessibility surveyof our entire branch network to better understandour clients’ accessibility needs. We are using thisinformation to continue to make enhancements inour branches. For example, all of our new branchesare fully accessible including parking, ABMs, vestibuleaccess and counter height.

As part of CIBC’s strategic plan tobuild, relocate and expand over70 branches across the country by2011, 61 new branch projects wereunderway in 2008 with eight newlocations opened during the year.These branches ensure a strongerpresence where clients live, work andshop.

CIBC’s Access for All ABMs areinstalled at wheelchair-accessibleheight and include headphonejacks for audio access; grab barsfor mobility assistance; andbrighter lighting.

Public Accountabil ity Statement

06 07 080

1,125 1,110

Access for All ABMs inBranches – 3 year trend

1,118


Our clients continue to benefit from CIBC’sAccess for All ABMs. Available at almost everybranch, these ABMs offer features that are makingbanking easier for visually- and hearing-impairedclients, the elderly and persons with restrictedmobility. We also offer statements in Braille and largeprint formats on request, and advanced speechrecognition and teletype (TTY) technology throughtelephone banking. CIBC’s websites are designed tomake access as easy as possible for hearing-impairedand visually-impaired clients.

Through our mobile HLC Home Loans Canadamortgage sales force and our CIBC mortgagespecialists, clients who have mobility restrictions orprefer the added convenience can get advice on theirmortgage needs in the comfort of their home or office.

Aboriginal banking solutionsCIBC recognizes the unique requirements of theAboriginal communities we serve. Through ourdedicated team of advisors, we providecomprehensive financial services to meet the personaland business needs of this community. These servicesare provided though our national network of

branches, including eight on-reserve locations.This year, our advisors worked closely with

Aboriginal communities to assist with the financialplanning for residential school settlements. Inaddition to the financial services provided, CIBCcontinues to support Aboriginal Personal Planning,a program designed with the goal of creatingfinancial self-sufficiency.

In 2008, we proudly contributed more than$750,000 to organizations and programs thatsupport Aboriginal communities across Canada.

Providing affordable banking solutionsCIBC aims to provide a wide range of products andservices, including lower-cost solutions like the CIBCEveryday chequing account, competitive mortgagerates and no annual fee credit cards.

This year, we enhanced the CIBC Enviro-Savermortgage, which gives Canadians an opportunity toimprove the energy efficiency of their homes, benefitingthe environment and potentially generating a costsavings for clients by reducing their household utility bills.

CIBC clients can also access an affordablebanking alternative through President’s ChoiceFinancial. PCF, which celebrated its 10th anniversarythis year, offers clients a number of banking optionsincluding in-store pavilions, ABMs, online bankingand telephone banking.

For clients looking to buy a home, CIBCmortgage specialists and President’s Choice Financialrepresentatives delivered free mortgage seminarsacross the country, offering tips on choosing the rightmortgage and saving for a down payment.

Children, youth and studentsGetting your children comfortable with managingtheir money is important from a very early age.CIBC’s SmartStart program offers clients 19 years ofage and under free banking and valuable financialadvice. The program is designed to teach kids andyoung adults important tips on how to manage theirmoney and ways to save through our interactiveSmartStart for Kids website.

This year, CIBC introduced enhancements to theCIBC Advantage for Students, offering studentsenrolled in a full-time post-secondary program freeeveryday banking, including free withdrawals at CIBCABMs, no monthly fees and no limit on the numberof monthly transactions. CIBC operates 1,400 ABMswithin one or two kilometres of 180 colleges anduniversities across Canada, providing post-secondaryclients with convenient access to their funds.

Since 2002, CIBC and its employees havecontributed more than $1.2 million to a Vancouverhot breakfast program. The program has providedapproximately 75,000 breakfasts annually toelementary students in inner city schools. CIBCclient Boston Pizza also donated proceeds from anannual golf tournament to this program. Everyyear, hundreds of children are invited to bring theircaregivers to a special Mother’s Day breakfast.


Students working towards a professionaldesignation are able to take advantage of the CIBCProfessional Edge program, which includes loansthat can be used by students to assist witheducational expenses such as tuition, books,equipment and living expenses.

Seniors — The CIBC 60 Plus AdvantageThe CIBC 60 Plus Advantage program offers clients60 years of age and older special benefits, includingfree transactions and no monthly fee on the CIBCEveryday chequing account.

Committed to small businessesSmall businesses are a vital part of the Canadianeconomy and the main engine of net job creation.This is why CIBC is committed to helping our smallbusiness and agriculture clients succeed in achievingtheir business and personal financial goals. Wecontinue to offer cash back incentives to help smallbusiness and agriculture clients access credit, and thisyear introduced business management seminars forthese clients in various markets across the country.

We have continued to build the capabilities andskills of our small business advisors through access tonew education and resource tools in order to offerclients comprehensive and tailored financial solutions.In 2008, process improvements were made toenhance clients’ access to capital throughimprovements to the credit applications process and toour lending guidelines for specific agriculture sectors.

CIBC also provides support to small businessesin Canada through our contributions in support ofAdvancing Canadian Entrepreneurship (ACE)Student Entrepreneur of the Year Award, theCanadian Women’s Foundation, Canada’sOutstanding Young Farmers’ Program and JuniorAchievement Conference. In addition, sponsorshipof the CIBC Entrepreneurship 101 program offeredthrough the MaRS Discovery District providesfinancial training assistance to young Canadianentrepreneurs.

Respecting our clientsWe are committed to treating our clients withrespect, providing products and services in aprofessional manner and safeguarding our clients’personal information and privacy.

Our Service Commitment to You, available inbranches and online, outlines our commitment tohigh-quality client service, fee transparency, privacyprotection and confidentiality. The CIBC Code of

Conduct for employees and comprehensive ongoingtraining programs include a strong focus onmaintaining our clients’ privacy and confidentiality,as well as on detecting fraud and money laundering.

Resolving client complaints at the first point ofcontact continues to be a priority at CIBC. If asatisfactory resolution is not reached, the client isfirst referred to a trained Customer Care specialist,and then to the CIBC Ombudsman’s office.

CIBC will continue to invest in enhancedprograms, procedures and training to ensure wecontinue to fulfill our commitment to clients.

For information on branch openings andclosings, ABM installations and removals, and listedaffiliates’ debt financing to firms in Canada, pleaserefer to pages 170 to 172.

Through the CIBC Spirit of LeadershipCommunity Award, CIBC Commercial Bankingrecognizes, sponsors and participates in non-profit and charitable initiatives of selectedclients across Canada, donating $50,000annually. This year a team of CommercialBanking employees joined CIBC client andaward recipient Gowling Lafleur Henderson LLPalong with Habitat for Humanity Toronto tobuild affordable housing in Toronto.



CIBC’s vision, mission and values are at the centre of our commitment to create a positive employee

experience and a diverse, supportive, results-oriented work environment.

By focusing on the things that matter to them — access to career-growth opportunities, safe and healthy

workplaces, effective training and development, and positive work/life balance — our employees are

able to perform at their best, contribute to their communities, and fulfill CIBC’s vision to be the leader in

client relationships.

Members and executivesponsors of CIBC’sEmployment Equity andDiversity Advisory Committeesparticipated in CIBC’s 16thAnnual Diversity Month kick-off event on June 9, 2008.

“CIBC is a leader in cultural diversity in the workplace — and I know that its support for employment equity and diversityextends beyond CIBC and into the community. CIBC has been lead sponsor of the National Aboriginal AchievementFoundation for over 20 years, helping us celebrate achievement through our Awards and supporting our First Nation, Métisand Inuit students through scholarships. Together we are making a real difference in our community.”

Roberta Jamieson, President and Chief Executive Officer,National Aboriginal Achievement Foundation

Our Employees


Creating a positive employee experienceOur employees make it possible for CIBC to deliverconsistent, sustainable performance over the longterm. That is why our priority is to create a positiveexperience and a supportive work environment whereour employees can excel and fulfill CIBC’s vision ofbeing the leader in client relationships.

Gathering feedback from our employees abouttheir work experience and how they view theorganization is fundamental to our success. Itprovides our leadership with information to helpmake CIBC the best place to work, learn, contributeand succeed. Participation in the 2008 annualemployee survey was 88%.

The survey’s Employee Commitment Index, whichmeasures the strength of our employees’ relationshipwith the organization, increased for the thirdconsecutive year, reaching the highest score since theoriginal index was introduced in 1998. Resultscontinued to indicate that a strong majority ofemployees and leaders see support for CIBC’s values oftrust, teamwork and accountability.

Our Code of Conduct is one of the many wayswe promote these values. It guarantees everyemployee the right to be respected, to receive fairand equitable treatment, to be free from harassmentor discrimination, and to be protected fromretaliation if they report a contravention of the Code.To help ensure knowledge and practice of thesevalues, all employees are required to completeannual certification and testing on the Code.

Continuing to create a positive experience anda supportive work environment for our employees,in 2008, CIBC launched a new employment brand,“What matters to me”. The brand positioningcaptures our ongoing commitment to ensure thatthe experience and careers of our employees willmeet and exceed their expectations. At the sametime, it demonstrates the opportunities CIBC offersprospective employees.

In addition, we formalized CIBC’s WorkplaceIssue Resolution Process, including the introductionof a new Employee Ombudsman’s Office, to enhancethe employee experience.

CIBC is committed to building a workforce thatreflects the clients and communities we serve. ForCIBC, diversity is one of the important elements thatgives our company strength. Since 2006, we havemet or exceeded workforce representation goals forthe four designated employment equity groups:women, members of visible minorities, Aboriginalpeoples and persons with disabilities. Representationgoals are the targets for the representation ofmembers of designated groups in each occupation,based on national labour market availability ratesprovided by Statistics Canada and adjusted to CIBC’sworkforce. We are focused on maintaining andgrowing our representation levels for all groups.

We also continue to make progress on ourcommitment to diversity in other ways. June 2008marked CIBC’s 16th annual Diversity Month. During themonth, employees organized a wide variety of events,

Since 2006, CIBC has achievedworkforce representation goals forwomen, members of visibleminorities, Aboriginal peoples andpersons with disabilities.

National Aboriginal AchievementFoundation President, Dr. RobertaJamieson (second from right infront row) presented the 2008 CIBCDiversity Awards to individuals andteams within CIBC who championdiversity by promoting the value ofan inclusive workforce.


Senior managementrepresentationrates and goals(as at Dec. 31, 2007)

Workforcerepresentationrates and goals(as at Dec. 31, 2007)

% Rate Goal

Women 28.2 25.1

Visibleminorities 11.9 8.2

Persons withdisabilities 5.0 2.1

Aboriginalpeoples 0.5 0.7

% Rate Goal

Women 67.7 59.5

Visibleminorities 25.2 17.0

Persons withdisabilities 4.1 4.1

Aboriginalpeoples 1.7 1.6


including panel discussions, workshops, open housesand cultural festivals. For the third consecutive year,CIBC convened its National Employment Equity andDiversity Congress, which reviewed CIBC’s focus andprogress. As well, CIBC’s eight Affinity Groups grew tomore than 3,000 members in 2008. These groupsprovide informal advice on the creation of a workplacethat provides equity and opportunity for all employees.

In our communities, we are continually seekingopportunities to recognize and support diversity. In2008, the first eight students graduated from CIBC’sfirst Job Readiness Training (JRT) program forAboriginals. The graduates, trained as analysts,transaction processors and in customer service roles,received their diplomas and full-time job offers fromCIBC for successfully completing the program. CIBC alsooffered its eighth JRT program for persons withdisabilities. Since its inception in 2003, 70 programgraduates have launched their careers with CIBC.

In 2008, CIBC and the Richard Ivey School ofBusiness launched ReConnect: Career Renewal forReturning Professional Women. This is the firstexecutive development program in Canadaspecifically designed to help professional womenre-establish their careers after taking time out of theworkforce to pursue other activities.

CIBC also partnered with the CanadianImmigration Integration Project, an initiative fundedby the federal government, to provide employmentadvice and guidance to individuals in China, India andthe Philippines immigrating to Canada.

Our commitment to diversity has been recognizedexternally. In 2008, Canada’s Top 100 Employersmagazine and the Toronto Region ImmigrantEmployment Council selected CIBC as one of Canada’s“Best Employers for New Canadians for 2008” forcreating a workplace that supports newcomers as theyestablish careers in their new country.

Our continued focus on employee training anddevelopment is a critical element of both ouremployees’ success and CIBC’s success. In 2008, weinvested approximately $66 million globally ontraining, including governance and regulatorycompliance, client service, product knowledge and abroad range of business and technical skills. Trainingis also accessible for all employees through a web-based learning management system.

To help our employees grow, develop andachieve their full potential, we provide corporate-wide training and development programs in theareas of People Management, Regulatory and

Mandatory Training, new employee orientation andcore capabilities.

Our annual corporate mandatory trainingprogram for employees incorporates training withrespect to CIBC’s vision, mission and values.Additional vision, mission and values training isprovided to managers to ensure a healthy, safe andsecure workplace. CIBC’s Corporate MandatoryTraining and Testing program received the SilverCanadian Award for Training Excellence in theInternal eLearning category from the CanadianSociety for Training and Development.

Recently, we launched People ManagerEssentials, a CIBC-wide series of workshops for non-executive people managers that focuses on buildingskills across CIBC’s people manageraccountabilities. We also introduced a new webfeature called “Manager’s Resources” that bringstogether many of the tools and resources thatmanagers need to do their jobs.

CIBC recognizes the importance of retainingand developing our future leaders. In 2008, weimplemented a Talent Review Process that includedone-on-one career interviews with CIBC executives.These conversations provided the foundation toincrease our understanding of our current andfuture leadership development needs and successionplanning requirements. Additionally, CIBC continuesto develop its workforce analytics capabilities as away of supporting business leaders to betterunderstand how to leverage/manage our diverseand sophisticated workforce.

Recent graduates of CIBC’s Job Readiness Training program forAboriginals who are now CIBC employees.


A focus on performanceManaging performance is key to building long-term, sustainable growth for our employees, clientsand shareholders.

CIBC’s Performance Management andMeasurement (PMM) process ensures employees areclear about expectations and how their individualgoals support the goals of their line of business andCIBC overall, as well as CIBC’s vision, missionand values and adherence to CIBC’s policies andcontrols framework.

The overall process, which includes goal setting,a mid-year check and a final year-end performancereview, provides the opportunity for managers andemployees to:• Share ownership for success, which includes

measures to address developmental needs• Have an ongoing dialogue about progress against

goals and how to build on success or address anyshortfalls

• Engage in a final year-end review and arrive at afinal performance rating

Pay-for-performance is the foundation of CIBC’scompensation philosophy. Most employeesparticipate in variable compensation programs withindividual awards based on i) the employee’s resultsagainst their individual performance goals; ii) line ofbusiness results; and iii) CIBC’s overall performance.Managers assess and evaluate employee performanceagainst both their goals and their contribution relativeto their peer group.

In 2008, the CIBC group of companies paidover $2.5 billion in base salaries and benefits to ourCanadian workforce. Approximately 70% of CIBCemployees participate in the employee sharepurchase plan, which allows employees toparticipate as a shareholder of CIBC throughinvestment in common shares.

Health and well-beingCreating a safe and healthy work environment whereall employees can balance their work and life andcontribute to their communities is very important.CIBC is committed to providing a comprehensiverange of benefits and programs that support theoverall health, wellness and long-term financialsecurity of employees.

To assist in managing rising health care costs,CIBC supports a smart consumer approach toemployee health care. Employees are provided withinformation on CIBC-negotiated discounts, use ofgeneric drugs and use of pharmacies with lowerdispensing fees to proactively manage costs forthemselves and for CIBC.

In 2008, CIBC introduced EmploymentInsurance top-up benefits for birth fathers inaddition to top-up benefits for maternity, parental,adoption and compassionate care leaves.

In 2007, CIBC reported a Disabling Injury IncidenceRate of 0.20, which indicates the number of disablingand fatal injuries on the job, per 100 employees, inCanada. CIBC’s global turnover rate for permanentemployees, excluding retirees, was 15.8% in 2008.

For detailed employment figures, see page 172.

We continue to attract top students fromuniversities and colleges through our campusrecruitment program.


06 07 080

Number of employees completingassessment questionnaireon Wellness Checkpoint

(as at Oct. 31)

9,709 11,288 12,993

Since it was launched in 2001, more than 12,993employees have completed the Wellness Checkpoint,CIBC’s confidential online assessment tool thatidentifies health risks and provides information aboutachieving a healthier lifestyle and other generalhealth resources information.


As a leader in community investment, CIBC is committed to supporting causes that matter to our clients,

our employees and our communities. We aim to make a difference through corporate donations,

sponsorships and the volunteer spirit of employees. With a strategic focus on youth, education and health,

and employee support for causes including the Canadian Breast Cancer Foundation CIBC Run for the Cure,

the CIBC World Markets Children’s Foundation and United Way, CIBC is investing in the social and

economic development of communities across the country.

“Winning the CIBC Youthvision Scholarship has ensured my financial stability in my future post-secondary education. Theremoval of this financial stress has enabled me to focus more on my academic success as well as my communityinvolvement. Coming from an economic and financial standing that is lacking, this scholarship is life-defining, allowing meto pursue my dream of becoming a pathologist.”

Neroz Ottawa-Sabih, CIBC Youthvision scholarship recipient 2008

CIBC awarded 30 new CIBC YouthvisionScholarships to recipients across thecountry at the 2008 CIBC Youthvisionannouncement held on September 18thin Toronto. In addition to her individualscholarship, Jessica Camps-Cooke ofLachine, Quebec, was honoured with theTed Medland Award for attaining thehighest academic standing among thisyear’s recipients.

Our Communities


Making a differenceIn 2008, the CIBC group of companies contributedmore than $36 million globally to charitable andnonprofit initiatives. Of this, more than $27 millionwas invested in Canada, including almost $20 millionin charitable donations, supporting a wide variety ofnational, regional and local organizations. To seeexamples of CIBC’s contributions to communityorganizations by province, see page 173.

YouthHelping young people achieve their full potential isa priority of our community investment program.

CIBC World Markets Children’s FoundationOn the first Wednesday of December every year, CIBCWorld Markets sales and trading professionals andCIBC Wood Gundy Investment Advisors donate theirfees and commissions to support children’s charitiesdedicated to improving the health, well-being andeducation of children. On December 5th, 2007, CIBCWorld Markets Miracle Day raised more than$10 million, including $3.3 million in Canada. Since itsinception in 1984, Miracle Day has raised more than$190 million to benefit children in our communitiesaround the world.

In addition to Miracle Day, the CIBC group ofcompanies contributed more than $3 million in 2008to hundreds of initiatives that support mentoring, skillsdevelopment, financial literacy training, nutrition and

health, anti-bullying, youth shelters and programs foryoung people with disabilities.

EducationCIBC is committed to investing in the education ofCanada’s young people.

CIBC Youthvision Scholarship ProgramThrough a unique relationship with Big Brothers BigSisters of Canada and YMCA Canada, CIBC providesfunding for scholarships and internships to helpyoung Canadians prepare for their future. Thirtyscholarships, valued at up to $34,000 each, areawarded annually to Grade 10 students enrolled inmentoring programs with these two communitypartners. In addition to tuition support, recipients mayparticipate in summer internships at YMCA agenciesacross the country after completing Grade 11. Thisprogram represents a multi-year commitment of morethan $10 million. To date, 300 CIBC YouthvisionScholarships have been awarded across Canada.

In addition, CIBC contributes $100,000 each yearto the National Aboriginal Achievement Foundationfor bursaries and scholarships in post-secondaryeducation. The purpose is to assist First Nations, Inuitand Métis students with their financial needs, helpingthem pursue excellence in all academic disciplines.

As well, CIBC provides scholarship funding tosupport the post-secondary education of children offallen soldiers through its leadership commitment of

As a designated Imagine CaringCompany, CIBC consistentlyexceeds the target of 1% ofpre-tax profits — the benchmarkfor corporate giving establishedby Imagine Canada.

With a strategic focus on youth,education and health, CIBC ismaking a difference incommunities where our clientsand employees live and work.

Standing in front of a mountain oftoys donated by CIBC employees tothe Salvation Army, students fromSt. Michael Catholic School in Torontoreveal the $3,388,162 in fees andcommissions raised in Canada on the2007 CIBC World Markets Miracle Dayin support of more than 400 children’scharities across the country.


Youth – 27%

Education – 23%

Health – 24%

United Way – 16%

Other – 10%

Charitable donationsby category in Canada

06 07 080

28 27

Contributionsin Canada($ millions)

27

06 07 080

06 07 080

23.4 26.5

Canadian Breast CancerFoundation

CIBC Run for the Curefunds raised

($ millions)

28.5 975 945

Employee asAmbassador

Programparticipation

(# of participants)

996


CIBC Wood Gundy Investment Advisors WernerImboden (left) and Pierre Delisle participated in the600 km Tour CIBC Charles Bruneau, a four-daybicycle ride across the province of Quebec thatraises funds for children with cancer. YoungRaphaël (centre) provided a source of inspirationand motivation along the route. CIBC employeesand clients contributed $150,000 to the Tour,which raised $700,000.

CIBC employees throughout British Columbia andparts of the Northern Territories raised more than$415,000 for the 2008 BC Children’s HospitalCampaign. Pictured above (from left to right):Alex Fan; Aidan Goerzen, son of Michael Goerzen;Wendy Slavin, SVP, Western Region and Chair of theBC Children’s Hospital Foundation; Pam Smith andMichael Goerzen, Co-Chairs of the 2008 BCChildren’s Hospital Employee Campaign.

$1 million over 10 years to Canada Company.CIBC’s multi-year commitments to universities

and colleges across Canada total $17 million. Ofthis, close to $6 million is directed to bursaries andscholarships to enable students to pursue post-secondary studies.

HealthCIBC contributes to organizations that promote thehealth and well-being of Canadians.

Canadian Breast Cancer FoundationCIBC Run for the CureOn October 5, 2008, $28.5 million was raised by170,000 participants in 55 communities in the 17thannual Canadian Breast Cancer Foundation CIBCRun for the Cure. This is the largest one-dayfundraising event for breast cancer research inCanada. We are proud of the contribution ouremployees have made to the Canadian BreastCancer Foundation (CBCF). CBCF is the leadingvolunteer-led organization in Canada dedicated tocreating a future without breast cancer. It was thecommitment of CIBC employees to this cause thatinspired CIBC to become the title sponsor of thisevent in 1997.

Each year, thousands of CIBC employees, familyand friends join together to fundraise andparticipate in the event. In addition to the generoussupport of CIBC clients, more than 13,500 CIBCemployees and volunteers helped to raise a total of$3 million through fundraising and proceeds of pinkproducts made available in CIBC branches.

Since its inception in1986, the CanadianBreast Cancer Foundationhas invested $120 millionin breast cancer research,education andawareness programs.

Year after year,CIBC employees andretirees demonstratetheir volunteer spiritin the communitieswhere they liveand work.


Further contributions to the health of Canadiansinclude multi-year commitments of more than $19million to hospitals and health research facilities.Many of our contributions in health care fund theresearch and treatment of breast cancer.

Additional strategic community investmentcontributions include:

Helping children and parentsCIBC committed $1 million over 10 years to theCanadian Centre for Child Protection to help reducethe victimization and exploitation of children acrossCanada. CIBC’s investment will help to raiseawareness of the Centre and its Kids in the Knowsafety education program to better educatechildren and parents about keeping their childrensafe from sexual abuse and exploitation.

Helping newcomers to CanadaCIBC and the YMCA of Greater Toronto joined forces tolaunch CIBC YMCA Access to Opportunity to helpnewcomers overcome barriers to settling in Canada. Thenew program has two parts: a series of seminarsdesigned to provide the advice and informationnewcomers need to start banking in Canada, start abusiness and invest in their families’ future; and a freejob skills development program designed to connectqualified newcomers to employment at CIBC and in thefinancial services sector.

Helping womenCIBC and the Richard Ivey School of Businesslaunched ReConnect: Career Renewal for ReturningProfessional Women with CIBC’s commitment of$1 million over five years. A first of its kind in Canada,this program helps professional women to re-entertheir careers after taking time out of the workforce.

In addition, CIBC announced a $1 millioncommitment over seven years toward the trainingand support offered by the Canadian Women’sFoundation to help low-income women becomeeconomically self-sufficient and break the cycle ofviolence against women.

Employee as Ambassador ProgramCIBC encourages volunteerism among its employeesand retirees and supports their commitment to localactivities through the Employee as AmbassadorProgram. Through this initiative, CIBC donates up to$1,000 to charitable and not-for-profit communityorganizations where employees volunteer. In 2008,996 employees and retirees participated in this program,resulting in contributions of more than $668,000.

United WayCIBC has been a long-time supporter of the UnitedWay helping to create stronger and healthiercommunities for families to live, work and raise theirchildren. Year after year, CIBC employees and retireesdemonstrate their support for local United Wayagencies through personal donations and theirvolunteer efforts. The 2007 CIBC United Waycampaign raised $7.8 million, including a $2.9 millioncorporate donation.

CIBC employee Jill Poulton of Regina, pictured withBarbara Hildebrandt, President and Co-Founder ofDress for Success Regina, received a donation for thisorganization through CIBC’s Employee AmbassadorProgram. Jill led the second Suit Drive held at theRegina Customer Contact Centre to supportthe economic independence of disadvantaged women.

Copyright 2007. The Leader-Post. Used with permission.

CIBC employees and retirees across the country,including those pictured above at the Parkland Branchin Halifax, demonstrated their community spirit insupport of the United Way. In total, $7.8 millionwas donated to the United Way and more than10,000 employees contributed their time or moneyto the 2007 campaign.



“We commend CIBC for its socially responsible and environmentally-conscious decisions on paper usage. In May 2008,CIBC announced its commitment to use FSC-certified paper in addition to significant, ongoing paper use reductions madesince 2004. That leadership shows that responsible purchasing choices can protect our forests and the many people whodepend upon them. CIBC clients and employees should be proud to see their bank walking the sustainability talk. FSCCanada salutes CIBC for making such an important difference.”

Antony Marcil, President and CEOForest Stewardship Council Canada

www.fsccanada.org

CIBC is committed to being an environmentally responsible organization. We demonstrate this through

continued enhancements to our environmental risk management policies and procedures, initiatives to

minimize CIBC’s impact on the environment, promotion of environmental stewardship practices and

support of strategically-aligned environmental organizations.

Our Environment


Our approach to environmental responsibilityAt CIBC, we recognize that a healthy and sustainableenvironment is critical for enriching the communitiesin which we operate.

Our Corporate Environmental Policy has beenmaintained since 1993, with our most recent updatecompleted in 2008. It includes 10 environmentalprinciples that frame our Corporate EnvironmentalManagement Program. This program is supported byan array of initiatives to reduce environmental impactsarising from our operations, as well as byenvironmental management standards andprocedures for our lending and procurement practices.

CIBC’s environmental management structure iscomprised of dedicated environmental riskmanagement staff, as well as a cross-functionalEnvironmental Management Committee (EMC). TheEMC considers facility-related environmental issuesand initiatives and assists in monitoring ourenvironmental management system. Progress andstatus regarding environmental matters are reportedto CIBC’s senior executives on a quarterly basis.

Promoting environmental awarenessthrough transparencyCIBC is committed to being transparent about howwe conduct our business and to operating in anenvironmentally responsible manner. Whererelevant to our business activities, we welcomedialogue and actively participate in external forumson environmental issues.

Our “CIBC & the Environment” internal andexternal websites are the primary vehicles used tocommunicate our programs. Direct feedback toenvironmental risk management staff is availablethrough our environmental e-mail account.

We engage in a variety of national andinternational environmental associations, to sharebest practices while also keeping us apprised ofenvironmental issues relevant to our industry. Amongthem is the United Nations Environment Programme’sFinance Initiative “North American Task Force”, whichcommissioned an important study in 2008 thatcompares corporate sustainability indices and ratinginitiatives, and assesses the rationale for participation.

In 2008, CIBC was once again a signatory to andparticipant in the Carbon Disclosure Project (CDP), acoalition of institutional investors and asset managersthat aims to examine how companies in theirportfolios assess the potential risks and opportunitiesrelating to climate change. This year’s informationrequest was sent out to more than 3,000 of theworld’s largest corporations, backed by 385 leadinginstitutional investors representing more thanUS$57 trillion in funds under management.

The Conference Board of Canada recognizedCIBC as a Climate Disclosure Leader, one of only fivelow carbon impact sector companies in the15-company leadership group, per the CarbonDisclosure Project Report 2008-Canada 200.

In 2008, CIBC consumed 805thousand gigajoules of energy.Consumption was comparableto 2006 levels.

Since 2006, CIBC’s carbondioxide (CO2) emissions fromemployee business travel havedecreased by 15%.

CIBC is a founding member and thelargest corporate supporter of IndustryCanada’s Computers for Schoolsprogram. Since 1993, we have donatedmore than 42,300 computer components.


Apart from environmental risk assessment data, all metrics contained in this report have been provided by third-party service providers/suppliers, and are based upon best available data.

(1) Energy consumption data and its associated CO2 emissions are from CIBC’s retail branch network and owned office premises.(2) Based on the GHG Protocol Initiative. Emission factors from Environment Canada’s National Inventory Report 1990 – 2006 used to estimate CO2 emissions from purchased electricity.(3) Employee business travel emissions restated to reflect a more robust tracking methodology for air travel, and inclusion of personal car usage for company business.

Natural gasFuel oil

Electricity From employeebusiness travel

From the combustionof fuel

From electricitypurchases

06 07 080

786 808

Energy consumption(thousands of gigajoules)(1)

805

06 07 080

64.9 66.8 63.3

CO2 emissions(1)(2)(3)

(thousands of tonnes)

06 07 080

2,572 10,824 3,825

Computers for Schoolsdonations

(# of computer components)

(1) As of August 30, 2008.(2) 2006 and 2007 data have been restated to reflect adjustment in supplier’s methodology.

Paperless recordkeepingQuarterly statements

06

07

08

0

324/291

401/420

Client choice in recordkeeping(cumulative – thousands)(1)

441/537

06 07 080

7,205 8,386

Paper recycling(tonnes)(2)

9,348

06 07

320 369

Environmentalrisk assessment

(# of transaction reviews)

008

412


Lending and investing responsiblyEnvironmental risk evaluation has been a formalcomponent of CIBC’s due diligence processes sincethe early 1990s. Our commitment to understandingand evaluating environmental risks helps our clientsassess these risks within their own organizations.

In last year’s report, we described the roll-out ofour updated environmental credit risk managementstandards and procedures for small business,commercial, merchant, and investment bankingactivities. Application of these updated standards andprocedures has increased CIBC’s engagement withclients with respect to their environmentalmanagement programs, including climate changeand biodiversity issues.

Our standards and procedures also includerequirements for environmental and social riskassessments for project finance transactions in

accordance with our commitment to the EquatorPrinciples, which CIBC initially adopted in 2003.

CIBC World Markets has been an equityunderwriter of Energy Technology companies inNorth America for several years. Additionally, CIBCWorld Markets has been at the forefront offinancing renewable energy projects (includinghydroelectric, wind, biomass, biogas and districtenergy systems), having raised or extended over$3 billion in capital for renewable energy developerssince 2002.

Reducing the environmental footprint ofour operationsCIBC is committed to reducing environmental impactsacross our 1,050 branches and 600,000 squaremetres of office space.

The cornerstone of our facility managementactivities resides in our efforts to integrate sustainabledesign criteria into our building standards. CIBC’sSustainable Design Committee, comprised ofmembers from key business groups and serviceproviders, has continued to evaluate and integrateopportunities for the reduction of energy andmaterials used in building interiors and exteriors andmechanical and electrical systems. As part of theseefforts, in 2008, CIBC achieved our first Leadership inEnergy and Environmental Design (LEED) CommercialInterior registration for our office in Bell Trinity Squarein downtown Toronto.

Also in 2008, we made progress in implementinginnovative energy conservation and facilitiesmanagement projects, including: the replacement of

Through the implementation of CIBC’s EnvironmentallyResponsible Procurement Standard, CIBC aims to sourceproducts and services with minimal environmental impacts.

Since 2006, the number oftransactions referred to CIBCEnvironmental RiskManagement for specializedenvironmental credit reviewshas increased by 29%.

Through CIBC’s on-siteshredding services across everybranch and office building inNorth America, approximately9,350 tonnes of paper havebeen recycled in 2008.

CIBC has promoted a paperlessrecordkeeping option for ourclients for several years.Chequing and savings accountclients can choose to receivequarterly statements or select ourpaperless recordkeeping option.

Non FSC-certified

FSC-certified

Commercial/financial print

Forms

Cheques

Envelopes

Statements

06 07 080

60 97

Climate neutral carpet –total installations

(thousands of square metres)

2008 paper usageby document type

(tonnes)(1)

138

06 07 080 0

1,780 1,750

Internal paperpurchases

(tonnes)

1,815

913/505913/

595/605595/605

8/2298/229

797/45797/45

508/719508/


less efficient heating, ventilation and air conditioningsystems; upgrades to our lighting technology plusinstallation of daylight sensors for ABM lobby lighting;and exterior lights equipped with timers and sensors.

CIBC is committed to programs aimed atreducing usage, maximizing recycling, and makingsustainable procurement choices. Recognizing thatpaper consumption is a major component of ourenvironmental footprint, we continue to implement apaper waste management procedure to ensure thatall of our internal paper materials are securelycollected, shredded and recycled across all of ourNorth American premises. Where appropriate, wehave moved towards online applications in place ofpaper statements and product offerings. In 2008,CIBC continued an initiative to reduce the amount ofprinting of internal reports, leading to an annualreduction of approximately 24 million sheets of paper.Also this year, we increased the number of multi-functional devices across our branches toapproximately 1,500 units, allowing for more double-sided printing and reduced energy consumption.

CIBC has also engaged with our suppliers and keyvendors to promote the procurement of competitivelypriced environmentally responsible paper options, witha preference for Forest Stewardship Council (FSC)certified stock. In April 2008, we switched our officecopy, printer, and fax paper to FSC-certified stock acrossour Canadian operations. In addition to printing ourannual report on FSC-certified paper since 2006, wehave also begun the transition to FSC-certified paper forthe majority of our Customer Marketing materials, ABM

envelopes and commercial printing, including clientaccount statement paper and envelopes.

Supporting an environmentally responsiblesupply chainCIBC is committed to purchasing products andservices from environmentally conscious suppliers.We formalized environmental requirements for oursupply chain last year through the release of ourEnvironmentally Responsible Procurement Standard.

This Standard describes CIBC’s requirements forinclusion of environmental considerations in itsprocurement activities, applicable for all products, aswell as all services which may have adverseenvironmental impacts. The Standard’s environmentalevaluation form used at the outset of a supplierrelationship includes reporting criteria related tosuppliers’ environmental management systems aswell as product-specific questions on areas includingenergy efficiency, efficient use of natural resources,recycling options, product take-back options, andconditions to promote ecologically sustainable forestpractices. In 2008, as part of CIBC’s overall vendormanagement process, we evaluated theenvironmental performance of suppliers whoseproducts or services are subject to the Standard.

For more information on CIBC and theenvironment, visit www.cibc.com/environment.

Since 2004, CIBC has installeda total of 138,000 squaremetres of Climate NeutralCarpet. This has reducedgreenhouse gas emissions byan equivalent of 2,396 tonnes.

In 2008, 4,926 tonnes ofpaper was used in theproduction of bank forms,marketing materials, clientstatements and cheques.43% has been transitionedto FSC-certified paper.

Since 2004, CIBC hasreduced its paper purchasesby 19%. Additionally, inApril 2008, CIBC changedto FSC-certified paper.


(1) Does not include internal paper purchases.



CIBC BRANCH OPENINGS – 2008

British Columbia3836 - 4th Ave., Smithers1096 Homer St., Vancouver

Alberta4916 - 130th Ave. SE, Unit 202, Calgary

Ontario9641 Jane St., Maple1005 Maple Ave., Building Q, Milton10 Disera Dr., Suite 180, Thornhill

CIBC BRANCH CLOSINGS – 2008(1)

British Columbia1222 Main St., Smithers

Ontario10037 Keele St., Maple1118 Centre St., Unit 1, Thornhill

CIBC BRANCH RELOCATIONS – 2008

Alberta5609 - 4th St. NW, Calgary –

relocation to Thorncliffe Banking Centre

Ontario366 North Front St., Belleville –

relocation from Unit 3 to Unit 4

OTHER CIBC CLOSINGS – 2008

British Columbia1164 Main St., Smithers

(High Value sales office)

Ontario10048 Keele St., Maple (High Value sales office)400 Main St., Milton (High Value sales office)

PRESIDENT'S CHOICE FINANCIALPAVILION OPENINGS – 2008

Ontario1755 Brimley Rd., Scarborough

PRESIDENT'S CHOICE FINANCIAL PAVILIONCLOSINGS AND STATUS CHANGES – 2008

British Columbia1424 Island Hwy., Campbell River(2)

32136 Lougheed Hwy., Mission(2)

Alberta4700 - 130th Ave. SE, Unit 100, Calgary(2)

7005 - 48th Ave., Camrose(2)

12225 - 99th St., Grande Prairie(2)

5031 - 44th St., Lloydminster(2)

1792 Trans Canada Way SE, Medicine Hat(2)

Saskatchewan30 Thatcher Dr. E., Moosejaw(2)

591 - 15th St. E., Prince Albert(2)

411 Confederation Dr., Saskatoon(2)

206 Broadway St. E., Yorkton(2)

Manitoba920 Victoria Ave., Brandon(2)

175 Cargill Rd., Winkler(2)

1035 Gateway Rd., Winnipeg(2)

550 Kenaston Blvd., Winnipeg(2)

Ontario1893 Scugog St., Port Perry(3)

1836 Regent St. S., Sudbury(3)

Prince Edward Island535 Granville St., Summerside(3)

ABM INSTALLATIONS – 2008

British Columbia45800 Promontory Rd., Chilliwack3836 - 4th Ave., Smithers1096 Homer St., Vancouver4368 Main St., Whistler

Alberta4916 - 130 Ave. SE, Calgary5609 - 4th St., Calgary7020 - 4th St. NW, Calgary8775 - 85th St., Fort Saskatchewan101 West Haven Blvd., Leduc235 Milligan Ave., Okotoks1 Spruce Village Way, Spruce Grove

Ontario1521 Charleston Sideroad, Alton366 North Front St., Belleville12476 Highway 50, Bolton613 Evans St., Etobicoke10 Samnah Cres., Ingersoll1845 Adelaide St. N., London

9641 Jane St., Maple1005 Maple Ave., Milton5025 Creekbank Rd., Mississauga1330 Wilson Ave. N. Oshawa3775 Strandherd Dr., Ottawa1612 - 16th St., Owen Sound1174 Lansdowne St. W., Peterborough1740 Bayly St., Pickering9325 Yonge St., Richmond Hill1755 Brimley Rd., Scarborough400 Highbury Ave., St Thomas10 Disera Dr., Thornhill1500 Woodbine Ave., Toronto292 Kingston Rd., Toronto21 Innovation Dr., Vaughan504 Niagara St. N., Welland

Quebec21275, rue Lakeshore, Sainte-Anne de Bellevue

Nova Scotia8791 Warwick St., Digby

Newfoundland and Labrador80 Airport Terminal Access Rd., St. John's

ABM REMOVALS – 2008

British Columbia1496 Ryan Rd., Lazo2220 Bowen Rd., Nanaimo1222 Main St., Smithers2405 Broadway East, Vancouver5658 Vedder Rd., Vedder Crossing

Alberta1330 - 15th Ave. SW, Unit 2, Calgary

Manitoba33 Allen Dyne Rd., Winnipeg515 Portage Ave., Winnipeg

Ontario53 Arthur St., Essex95 Browns Line, Etobicoke1227 Barton St. E., Hamilton555 Princess St., Kingston635 Southdale Rd. E., London10037 Keele St., Maple8133 Warden Ave., Markham400 Main St., Milton5150 Spectrum Way, Mississauga515 Drewry Ave., North York1300 King St. E., Oshawa2950 Kennedy Rd., Scarborough1118 Centre St., Thornhill901 King St. W., Toronto

Quebec3480, boul. Henri-Bourassa E., Montréal-Nord

Our Clients – Branches and ABMs

(1) A location that was included in 2007 under “OtherCIBC Closings” (602 Main St. N., Moose Jaw, SK) wasincorporated into CIBC’s branch count during 2008 forinternal purposes. As a result, the year-end F2008 CIBCbranch count (as reported on page 17) is inclusive of theMoose Jaw closure.

(2) Status changed from Unstaffed Banking Centre to ABMonly site.

(3) Status changed from Staffed Pavilion to ABM only site.

In every decision to close a branch, CIBC carefully considers the interests of the community, our clientsand employees. This includes:• Informing the community at large, including clients, employees, community leaders, politicians andgovernment officials, of the decision to close the branch. Notice is given and CIBC holds a communitymeeting to discuss the decision and to hear suggestions for helping the community to adjust.

• Assisting affected individual clients and groups, identifying their needs and the most appropriatebranch in the market to serve them.



As at October 31, 2008For authorization levels of: $0 – $24,999(1)

($ thousands, exceptfor Client numbers) Authorizations Outstandings Clients

British Columbia $ 80,724 $ 24,197 11,191Alberta 63,348 18,311 8,470Saskatchewan 21,584 9,525 2,495Manitoba 13,887 5,624 1,633Ontario 264,670 84,449 34,777Quebec 53,566 19,031 6,831New Brunswick 6,863 2,642 810Nova Scotia 11,913 5,275 1,537Prince Edward Island 2,772 1,276 328Newfoundland

& Labrador 6,666 2,479 838Northwest Territories,

Nunavut and Yukon(2) 3,032 849 459

Total Canada $ 529,025 $ 173,658 69,369

For authorization levels of: $25,000 – $99,999(1)


British Columbia $ 352,958 $ 168,765 6,815Alberta 299,793 134,164 5,850Saskatchewan 131,539 69,349 2,553Manitoba 76,711 40,972 1,465Ontario 1,309,018 685,498 24,671Quebec 272,485 141,042 5,189New Brunswick 34,655 18,500 683Nova Scotia 65,590 36,448 1,271Prince Edward Island 15,338 9,128 292Newfoundland


Nunavut and Yukon(2) 12,381 5,722 238

Total Canada $ 2,605,929 $ 1,328,532 49,722



British Columbia $ 279,908 $ 133,768 2,102Alberta 260,875 131,947 1,899Saskatchewan 92,246 46,876 683Manitoba 79,903 41,871 580Ontario 1,084,212 519,080 8,270Quebec 241,051 121,880 1,676New Brunswick 24,779 13,237 170Nova Scotia 41,099 21,698 276Prince Edward Island 12,469 7,520 88Newfoundland



Total Canada $ 2,148,533 $ 1,056,031 15,967



British Columbia $ 227,928 $ 150,972 536Alberta 219,171 133,468 571Saskatchewan 62,197 34,588 175Manitoba 66,507 34,918 188Ontario 657,701 410,698 1,537Quebec 227,303 140,855 570New Brunswick 24,626 15,613 55Nova Scotia 34,389 22,829 73Prince Edward Island 11,689 6,536 32Newfoundland



Total Canada $ 1,558,779 $ 969,379 3,804



British Columbia $ 326,425 $ 230,737 357Alberta 289,426 186,427 364Saskatchewan 70,280 39,368 98Manitoba 100,141 59,636 129Ontario 1,066,241 694,246 1,103Quebec 294,596 201,758 336New Brunswick 24,964 16,354 27Nova Scotia 56,610 38,671 47Prince Edward Island 19,812 10,850 28Newfoundland



Total Canada $ 2,286,315 $ 1,504,537 2,534

For authorization levels of: $1,000,000 – $4,999,999(1)


British Columbia $ 1,330,416 $ 954,178 397Alberta 1,084,056 727,970 405Saskatchewan 206,984 117,568 90Manitoba 429,854 300,062 156Ontario 4,444,496 3,120,502 1,218Quebec 1,133,796 789,053 322New Brunswick 143,942 108,990 34Nova Scotia 210,080 158,398 63Prince Edward Island 87,222 56,614 41Newfoundland



Total Canada $ 9,213,195 $ 6,426,736 2,778

CIBC AND ITS LISTED AFFILIATES DEBT FINANCING TO FIRMS IN CANADA

Our Clients – Debt Financing to Firms in Canada

(1) CIBC implemented a data system change during 2008 which resulted in the consolidation of certain client positions and authorizations. This has contributed to a reduction in the reported numberof clients and authorizations compared to previous years, particularly in authorization bands under $500,000.

(2) Data for Northwest Territories, Nunavut and Yukon has been consolidated to protect privacy of individual borrowers who might otherwise be identifiable.



For authorization levels of: $5,000,000 and over(1)


British Columbia(2) $ 6,849,063 $ 3,988,613 201Alberta 15,665,420 6,432,694 235Saskatchewan 1,523,847 540,141 27Manitoba 2,646,036 1,103,784 50Ontario 33,165,634 11,154,815 678Quebec 7,188,918 3,504,976 185New Brunswick 763,098 320,199 14Nova Scotia 1,423,849 972,122 44Prince Edward Island(3)

Newfoundland& Labrador(3) 783,464 96,727 19

Northwest Territories,Nunavut and Yukon(2)

Total Canada $ 70,009,329 $ 28,114,071 1,453

For all authorization bands(1)


British Columbia $ 9,447,422 $ 5,651,230 21,599Alberta 17,882,089 7,764,981 17,794Saskatchewan 2,108,677 857,415 6,121Manitoba 3,413,039 1,586,867 4,201Ontario 41,991,972 16,669,288 72,254Quebec 9,411,715 4,918,595 15,109New Brunswick 1,022,927 495,535 1,793Nova Scotia 1,843,530 1,255,441 3,311Prince Edward Island 149,302 91,924 809Newfoundland

& Labrador 953,842 196,248 1,799Northwest Territories,


Total Canada $ 88,351,105 $ 39,572,944 145,627

CIBC is one of Canada’s largest employers. In 2008, CIBC and its listedaffiliates had approximately 38,700 full-time and part-time employeesnationwide. The CIBC group of companies paid over $2.5 billion in basesalaries and benefits to our Canadian workforce in 2008.

In addition, we indirectly supported thousands of other jobs in manysectors, from janitorial services to high-tech consultants, through thepurchase of outside goods and services. The total for 2008 was $2.3 billionworldwide, of which the majority was spent in Canada.

Full-time and part-time employeesAs at October 31, 2008

CIBC and its listed affiliatesProvince or Territory Full-time employees Part-time employees

British Columbia 3,198 822Alberta 2,117 586Saskatchewan 695 210Manitoba 555 233Ontario 22,256 2,634Quebec 2,774 613New Brunswick 571 90Nova Scotia 798 153Prince Edward Island 69 30Newfoundland and Labrador 186 56Northwest Territories 55 6Nunavut 10 1Yukon 33 14

Total 33,317 5,448

Employment in Canada

In 2008, the CIBC group of companies’ tax expense (recovery) to all levels ofgovernment in Canada was $(2.7 billion). This total consisted of $(3.2 billion)in income tax recovery, $107 million in capital taxes and $369 million inpayroll taxes (employer portion), business taxes, property taxes, GST andprovincial sales taxes.

Taxes – 2008CIBC group of companies

$ thousands Income taxes Capital taxes

Federal government $ (2,113,614) $ –

Provincial andterritorial governmentsBritish Columbia (132,898) 23,499Alberta (98,515) –Saskatchewan (20,040) 6,608Manitoba (19,790) 7,959Ontario (680,761) 50,107Quebec (64,577) 7,851New Brunswick (11,192) 2,636Nova Scotia (20,760) 5,869Prince Edward Island (2,983) 1,028Newfoundland and Labrador (7,215) 1,689Northwest Territories (2,962) –Nunavut (431) –Yukon (1,328) –

Total $ (3,177,066) $ 107,246

Taxes in Canada

(1) CIBC implemented a data system change during 2008 which resulted in the consolidation of certain client positions and authorizations. This has contributed to a reduction in the reported numberof clients and authorizations compared to previous years, particularly in authorization bands under $500,000.

(2) Clients for Territories, Nunavut and Yukon have been added to British Columbia for the same dollar band and have been included in British Columbia totals to preserve confidentiality.(3) Clients for Prince Edward Island have been added to Newfoundland & Labrador for the same dollar band and have been included in Newfoundland & Labrador totals to preserve confidentiality.(4) Data for Northwest Territories, Nunavut and Yukon has been consolidated to protect privacy of individual borrowers who might otherwise be identifiable.



EXAMPLES OF ORGANIZATIONSSUPPORTED BY CIBC:

British ColumbiaAbbotsford Emergency ServicesAbbotsford Regional HospitalArrowtarian Senior Citizens SocietyArthritis SocietyArtist In Our MidstAssociation for Children With DisabilitiesAtira Women’s Resource SocietyBC Cancer FoundationBC Children’s HospitalBC Crime PreventionBC Dairy AssociationBCITBoys & Girls Clubs – Kamloops, Greater VictoriaBurnaby HospitalCanadian Breast Cancer FoundationCanadian Cancer SocietyCanadian Cystic FibrosisCanadian Feed the ChildrenCanadian Iranian FoundationCanadian Mental HealthCastlegar HospitalChetwynd Search and RescueChildren’s Arts UmbrellaChilliwack Agriculture SocietyChilliwack Community ServicesCNIB – British ColumbiaComox Valley FairCops for Kids – KelownaCottonwood Music FestivalCovenant House – VancouverCreston Spray ParkCrime Stoppers AssociationDeepak Binning FoundationEntrepreneurial Learning FoundationFort Nelson Spray ParkFraser Canyon HospiceGreen Thumb Theatre CompanyGriefworksHabitat for Humanity VictoriaHeart and Stroke FoundationHEROS – Hockey Education Reach Out SocietyHope Search and RescueInterior Provincial ExhibitionJewish Community Centre of

Greater VancouverJunior Achievement of BCJuvenile Diabetes Research FoundationKelowna Rotary Art CentreKids Up FrontKidsport FundThe Land Conservancy of BCLangley HospitalLeadership VancouverLester B. Pearson CollegeLion’s Gate HospitalMake-A-Wish FoundationMalaspina University CollegeMS Society of CanadaNanaimo & District Hospital

Nanaimo Child Development CentreNelson & District MuseumNorth Fraser Therapeutic Riding AssociationOkanagan CollegeOne to One Literacy SocietyP.A.R.T.Y. Youth ProgramPacific Rim Whale FestivalPeace Arch Community ServicesPenticton HospitalPLEA Youth Mentoring ProgramPowell River Sea FairPower To Be – Adventure Therapy SocietyPrince George HospitalRevelstoke Highway RescueRichmond HospitalRick Hansen Man in MotionRoyal Inland Hospital, KamloopsS.U.C.C.E.S.S.Saanich Peninsula HospitalSalvation ArmyScouts CanadaSimon Fraser UniversitySmithers HospitalSouth Cariboo Safer CommunitiesSouth Fraser Child Development CentreSquamish and Lil’wat Cultural CentreSt. Mary’s HospitalSt. Paul’s HospitalStewart Lake HospitalSummerland Community Response NetworkSurrey Memorial HospitalTake a Hike Youth at RiskTerrace REM TheatreThompson Rivers UniversityUnited WayUniversity of British ColumbiaUniversity of VictoriaVancouver AquariumVancouver Art GalleryVancouver Chinatown FestivalVancouver Community CollegeVancouver General HospitalVancouver Giants – Read to SucceedVancouver Hot Breakfast ProgramVancouver OperaVancouver Pride SocietyVancouver Sun – Raise a ReaderVancouver Symphony OrchestraVernon Dragon’s Den Youth AwardsVictoria Conservatory of MusicVictoria Youth EmpowermentWestern Canadian Pediatric AIDS SocietyWilliams Lake HospitalYANA (You Are Not Alone)YMCA of Greater VancouverYouth Matters, Tri-CitiesYVR Aboriginal Art Scholarship ProgramZajac Ranch for Children

AlbertaAlberta Adolescent Recovery CentreAlberta Children’s HospitalAlberta Ecotrust Foundation

Alberta Hospital Edmonton and CommunityMental Health Foundation

Alberta Shock Trauma Air Rescue SocietyAlberta Theatre ProjectsThe Banff Centre for Continuing EducationBetween Friends ClubBig Brothers & Big Sisters of Calgary and AreaBissell CentreBow Valley CollegeBoyle 4-H ClubBoys and Girls Clubs of CalgaryCalgary Drop-In Centre SocietyThe Calgary FoundationCalgary Health TrustCalgary Public LibraryCalgary Women’s Emergency ShelterCamrose Regional Sport Development CentreCanadian Breast Cancer FoundationCanadian Red Cross Society – Anti-Bullying

ProgramCentre for Family Literacy Society of AlbertaCIBC Read to Succeed – Medicine HatCitadel TheatreCold Lake Fire RescueCreating Hope SocietyDrumheller and District Seniors FoundationEdmonton Financial Literacy SocietyEdmonton Inner City Children’s ProjectEdmonton Symphony OrchestraFoothills Country HospiceFort McLeod Santa Claus ParadeFort Saskatchewan Boys & Girls ClubGrowing AlbertaHeritage Park Historical Villageihuman Youth SocietyKids Cancer Care Foundation of AlbertaKids KottageKids Up FrontKids With Cancer Society of Northern AlbertaKitscoty Emergency Response UnitLeduc/Devon Historical SocietyLight Up Your Life Tri-Community

Palliative/Hospice Care SocietyLittle Bits Riding Club for the DisabledMake-A-Wish Foundation of Southern AlbertaNaicam MuseumNational Philanthropy Day – EdmontonNanton Agricultural SocietyNorthern Lights Regional Health FoundationOkotoks Pro Rodeo SocietyOkotoks Public LibraryPilgrims HospicePonoka Agricultural SocietyQueen Elizabeth II HospitalRed Deer City SoccerThe Rocky Mountain House Agricultural SocietyRockyford and District Municipal LibraryRonald McDonald House – CalgaryRotary Centre for New CanadiansRoyal Alexandra HospitalSt. Albert S.A.I.F. SocietySt. Isidore Winter CarnivalStollery Children’s Hospital

Community Contributions



Strathmore & District Agricultural SocietyTelus World of ScienceTown of Claresholm Revitalization ProgramUnited WayUniversity HospitalVulcan Spock DaysWhitecourt Recreation CentreWIN House Edmonton Women’s ShelterWomen Building FuturesWomen in a Home OfficeYouth Emergency Shelter SocietyYouville Residence Society of AlbertaYWCA – EdmontonZebra Child Protection Centre

SaskatchewanBirsay Community CentreCanadian Breast Cancer FoundationCanadian Cancer Society Saskatchewan DivisionCanadian Feed the ChildrenCanora Air Cadet SquadronChildren’s Health Foundation of SaskatchewanCIBC Read to Succeed –

Moose Jaw and SaskatoonCudworth Community CentreDress for SuccessFlying Dust First NationThe Health FoundationHospitals of ReginaKindersley and District Arts CouncilKindersley Goose FestivalKing George Recreation CentreKinsmen TelemiracleLipton Volunteer FirefightersLong Creek RodeoLucky Lake Community CentreMankota Park and RecreationMeewasin Valley AuthorityMid-Summer’s Art FestivalNavy League of Canada Saskatchewan DivisionNorth Battleford Aboriginal Awareness

CommitteePersephone TheatrePrairies to Pines Children’s FestivalPrince Albert Soccer FieldhouseRadville Recreation CentreThe Rainbow Youth CentreRCMP Heritage CentreRedvers Activity CentreRedvers Community Health CentreRoyal University HospitalSaskatoon Food Bank and Learning CentreSaskatoon Prairieland ParkSaskatoon’s Soccer ParkSaskatoon ZooScouts CanadaShaunavon Recreation CentreSouthwest Search and RescueTurtleford and District Agricultural SocietyTwin Rivers Health Care FoundationUnited Way agenciesUniversity of ReginaUniversity of SaskatchewanVisions North Community Future DevelopmentWadena Town and Country Fair

YWCA Women of Distinction Awards – Reginaand Saskatoon

Manitoba407 Queen’s Own Cameron Army Cadet CorpsAltona Safety DaysArborg and District Seniors Resource CouncilAshern History Book CommitteeBig Brothers Big Sisters of Morden and WinklerBoundary Trails Health CentreBrandon Family YMCACanada’s National Ukrainian FestivalCanadian Breast Cancer FoundationCanadian Cancer SocietyCanadian Western AgribitionCarberry Agricultural SocietyCarmen Family Resource CentreChildren’s Hospital Foundation of ManitobaCIBC Read to Succeed – BrandonDauphin Agricultural SocietyFlin Flon Bust the Winter Blues FestivalFlin Flon Trout FestivalFranklin 100th AnniversaryHabitat for HumanityHealth Sciences CentreHorace Patterson FoundationIcelandic Festival of ManitobaJewish Federation of WinnipegKillarney Agricultural SocietyLockport Children’s Winter FestivalLundar Agricultural SocietyManitoba Agriculture Hall of FameManitoba Children’s MuseumManitoba Farmers with DisabilitiesManitoba Theatre CentreMiami Agricultural SocietyMorden Corn and Apple FestivalMovement Centre of ManitobaMusée St. Joseph MuseumNeepawa Natives Booster ClubNorthern Manitoba Trappers FestivalOpen Access Resource CentrePartners in The ParkPortage la Prairie Regional LibraryProvincial Exhibition of ManitobaRed River Community CentreSalvation Army Grace HospitalSt. Boniface Hospital and Research FoundationSt. John AmbulanceStonewall Park CommitteeStonewall Quarry DaysTown of Altona Artisan’s WayUnited WayWestman Dreams for KidsWinkler Harvest FestivalYMCA-YWCA of Winnipeg Women

of Distinction Awards

OntarioAbility OnLineACE – Advancing Canadian EntrepreneurshipAisling Discoveries Child and Family CentreAll-A-Board Youth VenturesAlzheimer Society of CanadaAnishinabek Nation 7th Generation CharitiesArgus Residence for Young People

Arts for Children of TorontoBarbra Schlifer Commemorative ClinicBaycrest CentreBelmont HouseBereaved Families of OntarioBig Brothers Big Sisters of CanadaBlack Business & Professional AssociationBluewater Health FoundationBlyth Centre for the ArtsBob Rumball Foundation for the DeafBoost Child Abuse Prevention and InterventionBoundless AdventuresBoys & Girls ClubsBreakfast for Learning –

Canadian Living FoundationBruce County Museum & Cultural CentreCamp AwakeningCamp OochigeasCamp RamahCamp TrilliumCampbellford Memorial HospitalCanada’s Outstanding Young Farmers’ ProgramCanadian 4-H CouncilCanadian Blood ServicesCanadian Breast Cancer FoundationCanadian Cancer SocietyCanadian Centre for DiversityCanadian Cystic Fibrosis FoundationCanadian Diabetes AssociationCanadian Institute for Advanced ResearchCanadian Liver FoundationCanadian Safe Schools NetworkCanadian Spinal Research OrganizationCanadian Testicular Cancer AssociationCanadian Transplant AssociationCanadian Women’s FoundationCanadian Foundation for AIDS ResearchCarp Agricultural SocietyCarpenter HospiceCasey HouseCassellholme Home for the AgedCentre for Addiction and Mental HealthCentre for Indigenous TheatreCentre for Information and Community ServicesCharlotte Eleanor Englehart HospitalChatham-Kent Health AllianceChildren’s Aid FoundationChildren’s Health FoundationChildren’s Rehabilitation Centre

of Essex CountyChildren’s Treatment CentreChinese Cultural Centre of Greater TorontoColon Cancer CanadaColorectal Cancer Association of CanadaCommunity Association for Riding

for the DisabledCommunity Care of North HastingsCommunity Living LondonCommunity Resource Centre

of North & Central WellingtonConestoga CollegeCornwall Community HospitalCounty of Lambton

Emergency Medical ServicesCovenant House – Toronto



Credit Valley HospitalCrime StoppersCrohn’s and Colitis Foundation of CanadaDareArts Foundation for ChildrenDarling Home for KidsDaytrippers Children’s CharityDiabetes Hope FoundationDixon HallDoane House HospiceDorothy Ley HospiceDowntown Care-RingDr. Bob Kemp HospiceDunnville Hospital & Healthcare FoundationDurham Activity CentreEast Metro Youth ServicesEaster Seal Society of OntarioElliot Lake & District Special OlympicsEpilepsy TorontoEssex Youth CentreEtobicoke Services for SeniorsEva’s Initiatives for Homeless YouthFanshawe CollegeFife HouseFoundation Fighting BlindnessFramework FoundationFrontier CollegeFrontiers FoundationFuture Possibilities for KidsGeneva Centre for AutismGeorge Jeffrey Children’s CentreGeorgina Public Libraries Literacy ProgramsGerrard Resource CentreGilda’s Club Greater TorontoGirl Guides of CanadaGrey Bruce Regional Health CentreGuelph General HospitalHaldimand Community Support CentreHaliburton Highlands Health ServicesHalton Child and Youth ServicesHalton Learning FoundationHamilton Health SciencesHarmony EducationHearing Foundation of CanadaHeart and Stroke Foundation of CanadaHincks-Dellcrest CentreHong Fook Mental Health AssociationHospice of PeelHospice of Windsor & Essex CountyHospice VaughanHumewood HouseHuntington Society of CanadaHuron University CollegeHuronia HospitalsIndependent Living CanadaInner City AngelsInside OutInvest in KidsJeanne Mance Foundation of KingstonJessie’s Centre for TeenagersJohn P. Robarts Research InstituteJunior AchievementJuvenile Diabetes Research FoundationJVS TorontoKanata Youth CentreKids Help Phone

Kids Up FrontKidsAbilityKingston Foundation for AutismKingston General HospitalLakeridge Health WhitbyLambton CollegeLambton County Mental HealthLanark County Interval HouseL’Arche CanadaLeamington District Memorial HospitalLearning Disabilities Association of OntarioThe Learning PartnershipLeave Out ViolencE (LOVE)Leukemia & Lymphoma Society of CanadaLondon Health SciencesLorraine Kimsa Theatre for Young PeopleMacaulay Child Development CentreMADD CanadaMaRS Discovery DistrictMcMaster UniversityMilton District HospitalMiziwe Biik Aboriginal Employment

and TrainingMon Sheong FoundationMontfort HospitalMood Disorders Association of OntarioMoorelands Community ServicesMount Sinai HospitalMS Society of CanadaNational Youth OrchestraNeshama PlaygroundNew Haven Learning CentreNiagara Peninsula Children’s CentreNorfolk County Agriculture SocietyNorth Perth Community HospiceNorthern Cancer Research FoundationNorthern Ontario Families of

Children with CancerNorthwestern Ontario Air Search and RescueOakville Trafalgar HospitalOntario Foundation for Visually Impaired

ChildrenOntario Prader-Willi Syndrome AssociationOolagen Community ServicesOperation Go HomeOptimism PlaceOsteoporosis SocietyOttawa Children’s Treatment CentreOttawa HospitalPathways for Children and YouthPathways to Education CanadaPediatric Oncology Group of OntarioPeel Children’s CentrePerley and Rideau Veterans Health CentrePeterborough Regional Health CentrePhilip Aziz CentrePort Perry HospitalPride TorontoPrime Mentors of CanadaProAction, Cops & KidsProstate Cancer Research Foundation

of CanadaQueen’s UniversityRaising the RoofReena Foundation

Renascent FoundationRick Hansen Wheels in MotionRiverside Foundation for Health CareRonald McDonald HouseRoss Memorial Hospital AuxiliaryRoyal Conservatory of MusicRoyal Ontario MuseumRoyal Ottawa Foundation for Mental HealthRoyal Victoria HospitalRyerson UniversitySafe Communities FoundationSafehaven Project for Community LivingSaint Elizabeth Health CareThe Salvation ArmySault Area HospitalScarborough HospitalScarborough Women’s CentreSchomberg Agricultural SocietyScience NorthScouts CanadaScugog Memorial Public LibrarySecond HarvestSEDI – Social and Enterprise Development

InnovationsSedna Women’s Shelter/The Denise HouseSeneca CollegeSheena’s PlaceSickKids FoundationSioux Lookout Anti-Racism CommitteeSIRCH Community ServicesSkills Canada – OntarioSkills for ChangeSnow Suit FundSoulpepper Theatre CompanySouth Huron HospitalSouth Muskoka HospitalSouth Riverdale Child-Parent CentreSouthlake Regional Health CentreSt. Joseph’s HealthcareSt. Joseph’s HospiceSt. Lawrence College of Applied

Arts & TechnologySt. Michael’s HospitalStrathroy Middlesex General HospitalStreet Health Community Nursing FoundationStreet Kids International – TorontoSudbury Manitoulin Children’s FoundationSunnybrook Health Sciences CentreSunnyside Children’s FoundationSunrise Therapeutic Riding & Learning CentreSunshine Foundation of CanadaTeresa Group – Child and Family AidThunder Bay HealthTimmins and District HospitalTobias House Attendant CareToronto Association for Community LivingToronto City MissionToronto Foundation for Student SuccessToronto General & Western HospitalToronto People with AIDS FoundationToronto Symphony OrchestraTrails Youth InitiativesUnited WayUnity for AutismUniversity of Ottawa



University of TorontoUniversity of WaterlooUniversity of Western OntarioUpper Deck Youth CentreVaughan Health Care FoundationVictim Services of Bruce Grey & Owen SoundVoice for Hearing Impaired ChildrenWaterfront Regeneration TrustWellspring London and RegionWellspring NiagaraWest Park Health Care CentreWest Perth Youth CentreWilfrid Laurier UniversityWilliam Osler Health CentreWillow Breast Cancer Support CanadaWindsor Essex Care for KidsWomen’s College HospitalWomen’s Community HouseWorking Skills CentreYee Hong Community Wellness FoundationYMCA and YWCA agenciesYonge Street MissionYork Central Hospital Volunteer AssociationYork UniversityYorktown Child and Family CentreYouth Assisting YouthYOUTHLINK

QuebecAccueil BonneauArts SuttonAssociation de Granby pour

la déficience intellectuelleAssociation de Sherbrooke pour la déficience

IntellectuelleAssociation des femmes en finances du QuébecAssociation des laryngectomisés de MontréalAssociation des TownshippersAssociation québécoise de la fibrose kystiqueAssociation québécoise des allergies

alimentairesAssociation québécoise pour les enfants atteints

d’audimutitéAssociation québécoise pour les troubles

d’apprentissageCadets de l’Air, Escadron 622 FrontenacCafé de la rue de TerrebonneCentraideCentre d’action bénévoles

de Bedford et environsCentre de répit PhilouCentre de stimulation l’EnvolCentre du FlorèsClub des petits déjeuners du QuébecClub-Gym RichelieuDans la rueEcomuseum – Société d’histoire naturelle

du St-LaurentEntraide des ainés de SilleryEspoir de ShelnaFondation à pas de géantsFondation Accueil Notre-DameFondation Aide et PartageFondation C.A.R.M.E.N.Fondation Centre de cancérologie

Charles-BruneauFondation communautaire canadienne-italienneFondation de l’Hôpital de Montréal

pour enfantsFondation de la résidence de soins palliatifs

de l’Ouest de l’ÎleFondation de l’Hôpital d’ArgenteuilFondation de l’Hôpital du Sacré-Cœur

de MontréalFondation de l’Hôpital général du LakeshoreFondation de l’Hôpital LavalFondation de l’Hôpital Sainte-JustineFondation de l’Hôpital St-EustacheFondation de l’Institut de cardiologie

de MontréalFondation de l’Université du Québec à RimouskiFondation des Auberges du Cœur du QuébecFondation des centres jeunesses de LavalFondation des centres jeunesses de MontréalFondation des maladies du cœur du QuébecFondation Docteur-Jacques-ParadisFondation du C.H. de Baie-ComeauFondation du C.H. de GranbyFondation du C.H. de Val d’OrFondation du C.H. Honoré-MercierFondation du C.H. régional de LanaudièreFondation du C.H. Saint-Georges de BeauceFondation du CHUQFondation du CSSS de la MRC-de-CoaticookFondation du CSSS de l’ÉnergieFondation du CSSS de ManicouaganFondation du Cancer du sein du QuébecFondation du Théâtre du Nouveau MondeFondation éducative Jean-Jacques BertrandFondation GénérationsFondation Hôpital Charles-LemoyneFondation Hôpital l’Enfant-JésusFondation Hôpital Santa CabriniFondation hospitalière Maisonneuve-RosemontFondation IntégrACTION du QuébecFondation Jeunesse au SoleilFondation Marie-EnfantFondation Nicolas-TrozzoFondation OLOFondation Père-SablonFondation PortageFondation pour la promotion

de la pédiatrie socialeFondation Québec-JeunesFondation québécoise du cancerFondation québécoise pour

les jeunes contrevenantsFondation Santé Haut-Richelieu-RouvilleFondation SercanFondation sur la pointe des piedsInstitut de réadaptation de MontréalInstitut et Hôpital neurologique de MontréalJeunes entreprises du QuébecJeunesse au SoleilJeunesse, j’écouteLOVE – Vivre sans violenceLupus QuébecMaison Catherine de LongpréMaison Chez Doris

Maison de Soins palliatifs de la Rivière du NordMaison du Phare, enfants et famillesMaison Mathieu-Froment-SavoieMilieu Éducatif la SourceMoisson MontréalMusée régional de Vaudreuil-SoulangesOld Brewery MissionOptimax Enterprise-ÉcoleOrchestre symphonique de MontréalOrchestre symphonique de QuébecPartenaires à part égalesPetits frères des pauvresRose des vents de l’EstrieRoyal Victoria Hospital FoundationSt. Mary’s Hospital FoundationTel-Aide Saguenay Lac-St-Jean Côte-NordUniversité du Québec à MontréalWomen’s Auxiliary of the Barrie

Memorial HospitalYamaska Valley Optimist ClubYMCA of Greater Montreal FoundationYM-YWHA/Montreal Jewish

Community Centers

New BrunswickBathurst Youth CentreBoys & Girls Clubs of New BrunswickBoys in RedCanadian Breast Cancer FoundationCanadian Cancer SocietyCanadian Red Cross New Brunswick

Flood AppealCarleton ManorChalmers Regional HospitalChildren’s Wish FoundationFredericton Community FoundationFredericton Community KitchensFriends of the Moncton HospitalGirl Guides of CanadaJunior AchievementKay Community CentreMindcare New BrunswickMoncton HeadstartMoncton Youth ResidencesParkinson’s Disease Grand Lake ChapterPartners for YouthRotary Club of NewcastleRotary Club of Saint JohnSaint John Regional HospitalSaint John Theatre CompanySaint John YMCA-YWCA – Camp GlenburnTheatre New BrunswickUnited WayUniversité de MonctonUniversity of New Brunswick



Nova ScotiaAberdeen Hospital TrustAbilities Foundation of Nova ScotiaBig Brothers Big Sisters of Canada agencies

(Colchester and Pictou County)Canadian Breast Cancer FoundationCanadian Cancer SocietyCanadian Mental Health AssociationCancer Care Nova ScotiaCape Breton Regional HospitalCape Breton UniversityChildren’s Wish FoundationColchester Regional HospitalCumberland Adult Network for UpgradingCumberland County 4-H CouncilDalhousie UniversityDucks UnlimitedHalifax Rotary ClubHants Aquatic Centre SocietyHealth Services Foundation of the South ShoreIWK Health CentreJunior AchievementLaing HouseMarigold TheatreOutstanding Young FarmersPhoenix Youth ProgramsQueen Elizabeth II Health Sciences CentreSalvation Army – HalifaxShoreham Village FoundationSpecial Olympics Nova ScotiaTruro Skate ParkUnited WayUniversity of King’s College – HalifaxWartime Heritage AssociationYMCA of Greater Halifax/DartmouthYMCA Yarmouth

Prince Edward IslandAlberton Northport Aquatic Days FestivalCanadian Breast Cancer FoundationConfederation Centre of the ArtsD.A.R.E. (Drug Abuse Resistance Program)Harbourview Training CentreJack Frost WinterFestJunior AchievementKings County Ground Search and RescueMontague Wellness CentreNorthumberland Recreation AssociationQueen Elizabeth HospitalPrince Edward Island 4-H CouncilQueen Elizabeth Women’s InstituteRotary Club of CharlottetownUnited Way of Prince Edward Island

Newfoundland and LabradorBig Brothers Big Sisters of

Eastern NewfoundlandBishop’s Fall Lion’s ClubCanadian Breast Cancer FoundationCanadian Red Cross Society –

Newfoundland and Labrador DivisionClarenville Winter CarnivalCollege of the North AtlanticCornerbrook Winter CarnivalDiabetes Hope FoundationDr. H. Bliss Murphy Cancer Care FoundationGirl Guides of CanadaGrand Falls – Windsor Salmon FestivalHealth Care Foundation of St. John’sJunior AchievementKids Eat SmartKiwanis Club of ClarenvilleLabrador West Food BankMemorial University of NewfoundlandMount Pearl Frosty FestivalRCMP Klondike NightRotary Club of St. John’s EastSalvation Army – Bonavista ReliefTrinity Conception Placentia Health FoundationUnited Way of Avalon

Northwest TerritoriesAurora CollegeInuvik Garden SocietyStanton Territorial HospitalUnited Way of Yellowknife

YukonGentle Steps, Watson LakeUnited Way of the YukonWhitehorse General Hospital

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