We are providing you with CIBC Smart Planner, Insights and the Services on an “as is” and “as available” basis and do not make any representations or provide any warranties concerning them. Without limiting the foregoing, we expressly disclaim all warranties, with respect to CIBC Smart Planner, Insights and/or the Services. No advice or information obtained by you from us through or from CIBC Smart Planner, Insights and/or the Services will create any warranty not expressly stated in the Terms. We do not provide tax, legal, or investment advice, or investment brokerage services through Insights or the Services, and you may not rely on it for any such purpose. You are responsible for your choices in using any recommendations made in conjunction with CIBC Smart Planner, Insights, the Services or Account Information.

You” and “your” means the person who is using CIBC Smart Planner, Insights, Services or other financial tools we make available from time to time.When you’re using a SMART template, you will be encouraged to reflect on how important or worthwhile your goal is. Under these Terms, the Services include the features, functionality, content and information provided by us through CIBC Mobile Banking and at CIBC Banking Centres and include any services that may be provided by our third-party service providers. The Smart Planner is the perfect organizer for professionals and business owners.Designed by a small family run business to stay on top of their goals.

Each of the five boxes represents one letter of the SMART acronym. There are also guide questions you can answer in relation to SMART goal-setting. Vi havde over længere tid manuelt lavet vagtskemaer og ultimo hver måned voldte det problemer med optælling af timer, ulæselige tal og noter omkring vagterne og en masse bøvl med pauser ind/ud m.m." SMARTPLANNER stores your decisions - every day producinga list of entries ready for input into RacingAdminFor savings goals, you can select more than one account per goal, as long as the account isn’t already linked to another goal. It has a number of spaces for different aspects of SMART goal-setting. One goal goes into each sheet of the template. For example, rather than declaring “Lose weight this year,” you can make it more specific by stating “Lose 25 pounds by summer.” With or without prior notice, we may terminate your access to CIBC Smart Planner, Insights and/or the Services at any time and for any reason including, but not limited to, if you breach the Terms, if you use Insights and/or the Services for any unauthorized or illegal purposes or you use Insights and/or the Services in a manner inconsistent with any procedures or instructions we establish from time to time, in which case the Terms will continue to apply in respect of past access. We will not be responsible for any loss or inconvenience that may result in such suspension or termination. Visualize how it will look when you’ve achieved your goal. Set a target date for when the goal has been achieved. Remember to take note of the actual date when you’ve accomplished your goal. Final Thoughts

To the extent that a definition in the Terms conflicts with a definition in the EAA, the two definitions shall be read together, failing which the definition(s) in the Terms shall govern. Online Banking” means the online banking service offered by CIBC that allows you to view information and conduct transactions after Sign-In Credential authentication and includes access through Mobile Banking. We calculate the monthly contribution based on your goal target amount and the current balance of your goal progress account. This calculated amount is what you need to contribute to achieve the goal by the desired target date.Canadian Imperial Bank of Commerce (referred to also as “CIBC”, “we”, “us” and “our”) are offering you financial tools, such as CIBC Smart Planner, Insights and other tools, which we refer to as Services, to help you manage your finances and plan your financial goals. Your access to and use of the Services is governed by these terms so please read them carefully. Please see Section 11 - Definitions for any capitalized terms not otherwise defined. Services” means the features, various tools and functionality set out in the Services Section of the Terms and include CIBC Smart Planner, Insights and other financial tools that we may make available through CIBC Mobile Banking and CIBC Banking Centres. Children and young people benefit from setting small, achievable goals. Accomplishing these goals boosts confidence and encourages them to apply goal-setting in other areas of their lives. There are so many good planners that we can’t recommend a single standout; instead, we’ve found eight, in a range of styles, that people with different priorities will love. Electronic Device” means any electronic device that we allow you to use to access CIBC Smart Planner, Insights and the Services including, a personal computer, cellular phone, telephone, smart phone, wearable device or personal digital assistant.

The Goal section, meanwhile, provides space for the user to write a statement about their goal. There is also space to write three actionable steps for achieving this goal. The header contains a motivational quote from Daisaku Ikeda, one of the most influential Japanese pacifists and spiritual leaders of the 20 th century. The quote says:The Massachusetts Deferred Compensation 457 SMART Plan is a retirement savings program available for Commonwealth of Massachusetts state and municipal employees. Eligible employees can save and invest before-tax and after-tax dollars through salary deferrals into our wide array of low fee investments options. SM ARTPLANNER knows all the race conditions - handicap bands, pattern races, early closing dates, etc Your ability to access CIBC Smart Planner, Insights and to use the Services depends on you having an appropriate active data plan and service for your Electronic Device and/or you visiting a CIBC representative at a CIBC Banking Centre for in-person consultations. If you choose to access the Services through your Electronic Device, it is your responsibility to determine if your wireless carrier provides and/or supports data plans and Internet browsing as applicable to the Services. You understand that CIBC Smart Planner, Insights or any component of the Services may no longer be available in the event that the data, or other services, for your Electronic Device terminates, lapses or is suspended. You are responsible for all costs, fees, data plans and related charges associated with your use of Electronic Device(s), and they are not reimbursable by us. Deferred Compensation Committee Meeting -- Letter Executive Office of Administration and Finance -- Notice and Notice of Meeting & Meeting Agenda We offer Flat and National Hunt versions, with subscriptions available for the Summer and Winter racing seasons.