A mini-portfolio style selection of my design work in print and digital format showcasing the wide range of projects I have worked on over the past several years in the liquor, financial automotive, entertainment, food, charitable and other sectors.
4. Working with three senior graphic artists over a five-month
period, Kathryn designed and produced this 500+ page versioned
catalogue — corporate, field, and general with English and
French versions of each. The project was very intensive with
15 product sections, indices, informtional sections, incorporation
of 6,200 products including 1,200 new products and over
50+ advertisements all requiring high-level production and layout
skills, image editing, trapping and other production-related skills.
www.lyreco.ca
Lyreco, 2013 Corporate, Field and General catalogues
kathryn ashby — portfolio
6. Kathryn completed the layout and production of four
consumer-targeted marketing magazines for the GM brands
(along with direct marketing inserts for each piece). This
project was especially tricky in that the timelines were super
tight (six weeks), the booklets were created in English and
French and she had to take direction from over 15 different
stakeholders (art directors, French translators, client and project
managers) to ensure final design approvals were met properly.
www.gm.ca
GM, Buick, Cadillac, Chevy Digests, Summer 2011
kathryn ashby — portfolio
7. As the art director of the Eastern region of Canada, Kathryn
worked directly with the Toronto Marketing team of MNP to
design and produce a wide-range of publications from brochures,
advertisements, postcards, infographics, invitations and other
corporate communications for this Calgary-based accounting firm
with offices now located in downtown Toronto.
www.mnp.ca
MNP – assorted marketing communication pieces
ics
om
Gov
ern
an
ce
s and measu
ocesse
ring
g pr
res
vin
ult
pro
s
Im
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kathryn ashby — portfolio
8. For five years, Kathryn acted as the art director, senior graphic
designer and as-needed studio manager for this popular waterpark.
Projects included rebranding, signage, POP, outdoor, web,
advertisments, brochures, in-store promotional pieces, newspaper
and magazine advertisements and corporate communications as
well as art directon of all photo shoots.
www.ontarioplace.com
Ontario Place, POP, web, advertising and more...
On
t a rio
P l a c e • To r o n t o 2
007
2007 Rogers Chinese Lantern Festival
Another summer of excitement at
Another dinosaur will arrive at the park as
Toronto’s waterfront playground
brings new meaning to “Kids Just
Wanna Have Fun!”
Barney’s 20th Anniversary tour makes a stop
Dry Festival of Fire, as each night of fireworks
at the Treehouse Live! Stage. This year’s lineup
now focuses on world regions rather than
also includes the likes of Thomas and Friends,
countries. The regional theme will allow the
The 2008 season at Ontario Place is in full swing
and there are endless things to do down by the
lake. With the return of so many great summer
traditions and the addition of new exciting events,
hours of family-fun are just minutes away.
Fun-Filled Days . . .
Bob the Builder, The Big Comfy Couch, and
The culture continues with this year’s Canada
festival to focus on more cultures with South Asia
on June 28th, Canada on July 1st, Latin America
many more.
Boaters will be happy to check out the
on July 3rd, and the Grand Finale on July 5th.
10th Annual Toronto In-Water Boat Show
And a summer tradition returns with the
as it returns to the Ontario Place Marina on
Rogers Chinese Lantern Festival, lighting
September 11th. Everything to do with boating
up the waterfront each night starting July 31st.
is featured at this 4-day event. Kids in attendance
Master craftsmen from Zigong, China are back
will have the opportunity to pick up some
to handcraft 32 beautiful lantern sets on the
Dinosaurs take over the Cinesphere this year
angling tips on September 13th as part of
park’s West Island. This year will see the addition
with the breathtaking new film, Dinosaurs:
Dave Mercer’s Facts of Fishing for Kids Day.
of lanterns depicting architectural landmarks
Giants of Patagonia. This tale of discoveries
Hot Summer Nights . . .
from around the world, and a special focus on
made by paleontologist Rodolfo Coria is sure to
entertain kids and adults alike. If you want to
see Argentinosaurus, the largest animal to ever
walk the earth, then the only place to look to is
Cinesphere’s massive 6-storey screen. You will
feel as if you have been transported into their
world. Shows take place throughout the season.
08-245 TS_Insert_2008E.indd 1
The fun doesn’t stop when the sun goes down.
The Ontario Place calendar is full of events that
are sure to fill a summer’s evening.
The night heats up with Latin rhythm on July 10th
as Salsa at Ontario Place transforms the park
dinosaurs. This festival will again feature
mouth-watering international cuisine in the
Mandarin Food Market, an authentic craft
Evenings July 19th - October 7th, 2007
market, and unique performances on the
Toronto Star Entertainment Stage.
into an evening of dance, food, and culture.
Greece
Canada
India
6/12/08 2:33:37 PM
Grand Finale
Group Programs: 416-314-9933 • groupsales@ontarioplace.com
www.chineselanternfestival.ca
An Agency of the Government of Ontario
June 25th
July 1st
July 6th
www.ontarioplace.com
July06-437 Travel Industry Guide (CLF Ad).indd
9th
An Agency of the Government of Ontario
1
12/12/06 12:13:25 PM
kathryn ashby — portfolio
9. Tasked with re-doing the nationwide branding for this long-running
campaign, Kathryn created a new modern logo, art-directed two
photo shoots to showcase the carnations in various settings (one
targeting families and the other targeting internal staff) and new ad
slicks and posters for internal and external promotions in 2/C, full
colour and black and white formats in English and French versions.
www.mssociety.ca/en/events/carnation
MS Society, Carnation Campaign, rebranding
Use the POW ER of the FLOW ER
Use the POWER
of the FLOWER
to end M S.
to end MS.
Use the POWER of the FLOWER
to end MS.
Bring hope to Canadians affected by multiple sclerosis
by purchasing flowers from MS Society volunteers.
Bring hope to Canadians
affected by multiple sclerosis
www.mssociety.ca | 1-800-268-7582
by purchasing flowers from
May 10 – 12, 2008
MS Society volunteers.
Price:
www.mssociety.ca | 1-800-268-7582
Order
Deadline:
www.mssociety.ca
Delivery
Date:
Contact:
| 1-800-268-7582
kathryn ashby — portfolio
10. For 3 years, Kathryn was the lead designer on all WALK related
materials for the Ontario campaign that took place throughout a
7 month campaign window. The campaign kicked off with a series
of database-driven letters to particpants — past and present,
newsletters to the participants, inhouse, GO and TTC transit
posters, brochures, postcards; unaddressed and addressed, flash/
wobblers, brochure holders and any other materials required for
this campaign.
www.mssociety.ca/en/events/scwalk/default.htm
MS Society, WALK materials
www.sup
citieswa
er
lk
.com
1
2008 Super Cities WALK for MS, <DATE>
WALK for a Cure!
T
hank you for registering for the 2008 Super Cities WALK for
MS! Without a doubt, your dedication, passion and fundraising
will help us end MS. Last year, Ontario WALKers raised more
than $6.3 million and we’re ready to beat that goal. Read our
fundraising tips on page 6 and start the year with a bang!
January 1, 2007
In this issue
2
John Sample
123 Sample Street
Apt. 123
Sample City, PR A1A 1A1
Look Who’s WALKing!
The mission of the Multiple Sclerosis Society of Canada is
to be a leader in finding a cure for multiple sclerosis and
enabling people affected by MS to enhance their quality
of life.
3
Fundraising has
its Rewards
Dear John,
Life
Challenges You With MS...
When
A
4
Join us as we WALK to end multiple sclerosis by registering for the 2007 Super Cities WALK for MS! Mark
TeamMS &
The Merry Striders
<PROJECT DATE> on your calendar as an incredible day of hope, fun and community spirit to help us find
a cure and help those whose lives have been affected by MS.
5
In 2006, you WALKed your way into MS Society history by helping us raise $6 million in Ontario! As a Team
Reward Yourself!
few minutes after first meeting Dave
Dennis, you feel his passion for life and
family and are inspired by his determination to
go through hurdles rather than around them.
Take, for instance, his battle with multiple
sclerosis. Just months after his diagnosis, he
joined the Stoney Creek WALK not only to
raise money but also to fight a good fight
and draw inspiration from others. Little
did Dave know that the WALK would do
much more for his own spirit than he could
have imagined.
In 1991, Dave’s wife passed away, leaving him to raise two of
his children. He embraced this challenge and ensured he spent
as much time as possible with his kids by coaching their various
sports teams and taking them fishing, his favourite pastime.
At the same time, Dave started facing health issues. It started
with a stroke. As he was being treated for it, he suffered a second
one — at least that’s what doctors thought. It wasn’t until he
Captain, you were instrumental in helping <TEAM NAME> raise an incredible <$TEAM TOTAL>. We’re looking
forward to seeing you and the other members of <TEAM NAME> again this year as we WALK to End MS.
6
Rev up Your Fundraising
Cutting-Edge Research
Canada has one of the highest prevalence of MS in the world. MS doesn’t show any preferences when
it comes to who or when it will strike. MS has changed the lives of men, women and children: Sisters
Marla Zaichick (38) and Reesa Quilliam (37) struggle with their symptoms in order to be active mothers;
7
ten-year-old Caitlin Kernaghan looks forward to the day a cure is found; and 34-year-old Tony Langiano
You’re Making
a Difference
advocates for all people living with disabilities while MS slowly progresses through his body. While their
symptoms and circumstances are very different, they have one thing in common: they all know a cure will
Walk FAQs
be found. Be part of that victory by registering today for your community WALK and follow their stories
8
in your Footnotes newsletters.
Our Sponsors
Register and set a Team fundraising goal between January 15 and 19 for a chance to win a $100 gift
certificate from Hbc/Zellers!.
Be part of finding the cure for MS. Be part of putting an end to MS.
Register online at www.supercitieswalk.com, by phone or fax.
Regards,
SUPPORT OUR SPONSORS
Tad Brown
The MS Society’s MISSION
To be a leader in finding a cure for multiple
sclerosis and enabling people affected by MS to
enhance their quality of life.
The MORE you raise,
the MORE you’ll earn!
among the world’s most progressive.
➤ MS Society of Canada fundraising has
supported over $100 million in research
projects since 1948.
➤ The MS Society is also dedicated to providing
services to those living with MS including:
• Funding assistance for equipment such as
wheelchairs and scooters
• Support groups for individuals and families
affected by MS
• Educational programs about MS
WALK FOR MS
<John>, your Username is <12345> and your Password is <269092>.
or MORE and you will
be eligible for some great
prizes! Including:
➤ Canadian led MS research is considered
PLEASE CALL US TO REGISTER OR VISIT OUR WEBSITE AT WWW.SUPERCITIESWALK.COM
“
A Super Cities WALK
for MS T-Shirt!
Loblaw Companies Limited is proud to be the
Provincial Sponsor of the Super Cities WALK for MS
across Ontario. For over 15 years we have been involved
with the WALK and are proud to have helped raise the
funds required to find a cure for MS!
”
NATIONAL SPONSORS
There are many prize levels and lots of rewards
including Gift Cards from these major retailers:
➤ Loblaws & Family Stores
➤ Roots
While my daughter fights MS,
➤ Hbc/Zellers
my entire family
➤ Cineplex Galaxy
What is MS?
.
➤ Multiple sclerosis isto help disabling
a chronic, often find a
Submit $1,000 or more and become an
disease that attacks the brain and spinal cord.
Elite Feet Club Member! In addition to
➤ Symptoms include:
We can’t do it
your regular prize you’ll also earn:
• Impaired speech
• Extreme fatigue
• Paralysis
diagnosed with MS.
Volunteers
Volunteers are always needed to help. Complete
the registration form and check off ”volunteer”
or contact us at msvolunteers@mssociety.ca.
Last year communities
across Canada raised
➤ Chapters/Indigo
cure
alone.
➤ Everyday, three more Canadians are
”
➤ The Elite Feet
MEDIA SPONSORS
“
CTV Toronto is proud to be the official
television sponsor of the Super Cities WALK
for MS. Every participant registered and every
dollar raiseds brings us closer to a cure for this
unpredictable, often disabling disease.
Jacket: $1,000+
➤ The Elite Feet Jacket
& Pants: $2,000+
”
➤ A trip to visit an
MS WALK anywhere
in Continental North
America!: $10,000+
Register today and WALK to end MS!
LOCAL SPONSORS
SUNDAY APRIL 13, 2008
Register Today!
Register today to learn
more about our
www. program
ister
$12,900,000!online atrewardssupe
reg
Thank You!
THE SUPER CITIES
REGISTER ONLINE AT WWW.SUPERCITIESWALK.COM
TO RECEIVE YOUR PLEDGE SHEETS INSTANTLY.
USE THE FOLLOWING LOGIN ID AND PASSWORD TO ACCESS YOUR ACCOUNT.
Simply Submit $125
Fundraising WORKS
Your contributions will help people in your
community living with multiple sclerosis:
“fights
Chair,
REWARD Yourself! MS Society of Canada, Ontario Board of Directors
07WALKO1
continued on page 2
Please call 416-922-6065 for information about
the services provided by the MS Society.
www.mssociety.ca
rcitieswalk.com
Prizes will be awarded on the basis of pledges submitted. To be
eligible for a prize your pledge money and prize request MUST be
received at the MS Society within four WEEKS after the WALK.
Prizes are not cumulative, with the exception of the Super Cities
WALK for MS T-shirt, the Elite Feet Club and bonus items.
WWW.SUPERCITIESWALK.COM
kathryn ashby — portfolio
11. One of the long-running campaigns for the MS Society is the RONA
Bike Tour. As the brand was starting to evolve, Kathryn came up
with some collateral materials; fridge magnets, newsletters to
Team participants and postcards to inform the participants of the
event and information related to the event.
www.mssociety.ca/en/events/biketour/default.htm
MS Society, RONA Bike Tour materials
2007
TeamTALK3
TeamMS Online!
CHECKLIST to prepare
Customize your Team Fundraising Page
for the
• Review and maintain your Team list
1
2
• Track your Team Fundraising
• Motivate your Team Members through email
Log-in today at
www.msbiketours.com
New for 2007 –
Team MS Tent Village
The TeamMS Village is a group of tents placed for teams at the
Start/Finish locations. Teams will have easy access to all the amenities
and a front row seat to cheer on Team members in comfort. Use a
company tent or rent one from our preferred supplier to promote
your company. Set up a personal check-in, class it up with a chocolate fountain or other snack foods; some may go as far as arranging
for personal massage therapists or even hot tubs. The advantages of
participating are endless.
T his S U M M E R
DO s ome thing
FUN!
Contact Andy (Grand Bend to London) or
Gabrielle for your TeamMS Tent Village Guide.
Be Part of
3
Bike Tour
4
5
6
Review your Team list and report any errors or
omissions. Official Teams have four members.
Remind your Team Members to check-in
individually at the regular check in area.
Contact your company about their matching gift
program. They will be able to tell you if gifts to
the MS Society of Canada are eligible to be
matched and provide you with the required
paperwork. Contact your local TeamMS staff if
you require assistance with the form.
Create a Team atmosphere to guarantee a
fantastic experience for your Team.
Remind your Team Members to request a prize
on their individual envelopes.
Arrange a meeting place
for your Team. The
TeamMS booth is a great
place to meet before you
get your Team photo taken.
the 100 Club!
TeamMS Area –
Lead by example. This
year, our top 100It’s for you!
fundraisers
from 2006 will be wearing
Team Captains stop by the TeamMS
bibs with their rider number
area to…
corresponding to the fundrais• Pick up your Team Captain gift.
ing position they achieved.
• Sign up for your Team Photo –
Strive to join the club for
have your Team ready.
2008. Your leadership will
inspire your Team members to
compete for a spot in the club
as well.
TeamMS Awards –
Be the Best!
After the Tour
• Best Dressed Team – helmet covers,
matching company t-shirts, themed
outfits, be creative.
• Most Spirited Team – have a Team
cheer, be outgoing and outrageous.
• Largest Team – keep recruiting and
registering Team Members.
• Best Team Name – A Team name
says a lot, make yours tell your story.
• Thank your donors - Send out an
update to donors so they can share in
your success.
• Thank your Team – Celebrate your
Team’s success by hosting a wrap-up
party.
• Remind your Team about the pledge
deadline – To be eligible for prizes, all
pledges must be submitted no later
than one month following the event.
• Download your Team Photo - You will
receive an email with a link to where
you can download you Team photos.
Printed copies may be available by
contacting your local TeamMS
Coordinator.
Contact Your Local TeamMS Staff:
Central & Northern Ontario:
Tel: (416) 922-6600 or 1-800-862-7582
S!
END M
igh t to .com
the f : m sbike tours
U p in DAY
Gea r REGIS TER TO
Southwestern Ontario:
Tel: (519) 680-7878 or 1-800-570-7777
R
kathryn ashby — portfolio
12. Working with Rayment Collins, Kathryn designed and produced a
variety of in-store poster templates for bars and pubs that would
promote contests, provide tasting notes and price points for the
Sleeman brand beers. Coasters and other in-store promotional
materials would follow the look-and-feel of the posters.
www.sleeman.ca
Sleeman – in-store posters and collateral
kathryn ashby — portfolio
13. Working with Anamoly, Kathryn rolled out a national campaign
of shelf-talkers, posters, coasters, fridge magnets, wobblers and
sell sheets in French and English for the 2013 Super Bowl. The
most challenging aspect of the campaign was to adapt the design
concepts across a myriad of promotional items and sizes for five
regions in Canada.
www.budweiser.ca
Budweiser – Super Bowl 2013 promotional project
kathryn ashby — portfolio
14. Working directly with the Fight Network, Kathryn designed and
produced a wide-range of promotional pieces for various events
and bars, notably a series of Fight Network posters featuring
prominent wrestlers and MMA fighters for the Grand Prix event presentation cheques, tent cards, t-shirts, media cards and more.
www.thefightnetwork.ca
The Fight Network – promotional pieces
MEET
MM A leg en d
RANDY “THE NATURAL” COUTURE
Media
MEET
pro WRESTLING legend
bre t hitm an har t �
punch
tequila
with a
knockout
COBRASTRIKE
Vodka and
Cobra Energy
Drink
At the Booth
t Network
Figh
th
friday, July
3:00 pm
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7
At thek Booth
r
ight Netwo
F
8
th
July
Saturday, on
no
12
ly 9th
Sunday, Ju
10:30 am
kathryn ashby — portfolio
15. Kathryn completed this complex 160 page report in the space of
two weeks under extremely tight timelines. In this second year of
this project, Kathryn redesigned the whole booklet and completed
all parts of this project from art-direction to layout, chart/table
creation image editing, production and final pre-press to print.
www.foresters.com
Foresters, Business report 2011-2015
F o r e s t e r s S t r a t e g i c P l a n 2011–2015
F o r e s t e r s S t r a t e g i c P l a n 2011–2015
Based on the strategy the planned sales are outlined as follows:
2011 Planned Activities
2011 Priorities
1. Manage sales growth and reduce capital strain.
Achieve total weighted sales of US $86 million
(excluding FICC).
Weighted Sales
2007-09 actual, 2010 forecast, 2011-2015 plan
45.0
2011 Plan
40.0
40.8
2010 Plan
$ millions
30.0
25.1
25.0
19.0
18.7
20.0
21.5 20.3
24.3
21.8
• Manage sales growth and reduce capital strain.
26.8
25.1
• Implement POS process enhancements on
other simplified-issue products.
13.1
15.0
10.0
5.0
1.6
2007
2008
2009
2010
2011
2012
2013
2014
2015
2010 weighted sales of $25.1 million benefited from exceptionally strong preneed sales. This trend is not expected to
continue in 2011. Premium levels are due to improve in 2012 and each year thereafter with the anticipated introduction of
a new universal life product.
Weighted Sales, by Product Type
• Continue to manage distribution to achieve
sales and business quality goals.
• Continue to focus on providing a superior agent
experience.
• Implement key activities to manage FICC.
Simplified Issue
35
Term Products
30
Strong Foundation
LifeFirst
25
Prepared
14,657
18%
5,280
6%
900
1%
20
Term Total
20,837
25%
15
Permanent Products
10
PlanRight
51,300
60%
Smart UL
6,300
7%
Permanent Total
57,600
67%
Subtotal Simplified Issue
78,437
92%
Strong Foundation
2,983
4%
LifeFirst
2,280
2%
Term Total
5
0
2010
2011
2012
2013
2014
2015
Life – term
6
7
8
8
8
9
Life – permanent
6
6
8
15
17
21
Subtotal Life
12
13
16
23
26
30
Specialty
1
1
1
2
2
2
Preneed
11
5
6
6
6
7
Investment
1
1
2
2
2
2
Subtotal Other
13
7
9
9
10
10
Total Weighted Sales
25
21
24
32
36
41
Fully Underwritten
Term Products
5,263
6%
BIG UL
1,300
2%
Permanent Total
1,300
2%
Subtotal Fully Underwritten
6,563
8%
85,000
100%
Permanent Products
Total Life Sales
To support capital management goals, BIG, a universal
life product, will be removed from sale no later than
mid-year; fully underwritten LifeFirst term will be repriced
upwards; and 50/50 coinsurance agreements will be
established for PlanRight (effective 2012). Changes to the
product portfolio will moderate future sales growth. These
product changes may be viewed negatively by Foresters
distribution partners. To reduce this effect, the U.S.
Division will implement a number of activities, including
POS for other products and targeted marketing programs.
It should be noted that during 2011, no new product
Foresters exists solely to enrich the lives of its members, their families
introductions are planned. This will alleviate the internal
and the communities where they live.
contention for specialized and technical resources and
will support the moderation of sales growth. A new
Honouring our rich tradition of caring, we champion the well-being of
participating whole life product will be developed for
families through quality life insurance, unique member benefits, and
introduction in 2012.
inspiring community activities.
2. Implement POS process enhancements on other
simplified-issue products.
A key market differentiator for the PlanRight product is
the POS decision-making capability that allows agents to
“Foresters purpose is truly compelling and continues
advise the potential customer of the underwriting decision
and effectively close the sale into inspire us in our lives and work each day.
one visit.
To support sales and protect market key tothe Division
The share, our success is for all of us to live
plans to expand this capability this purpose and of
across the entire line ensure that everything we do
simplified-issue products: first with Smart UL, then with
supports its fulfillment.”
Strong Foundation and LifeFirst term products and the
new product Prepared Accidental Death Term.
The expected drop off in preneed sales can be seen in 2011 when compared to 2010. Universal life sales start slowly in
2012 and increases to $14 million by 2015.
22
The U.S. Division
The Canadian Division
F o r e s t e r s S t r a t e g i c P l a n 2011–2015
Foresters Purpose
2011 Life Sales Plan by Product (US $’000 excluding FICC)
2010 forecast, 2011-2015 plan
$ millions
The Division will continue to focus on growing Foresters
market share at a more controlled rate. Over the plan
period, the expected growth rate of 1% will be essentially
flat. PlanRight is anticipated to account for the bulk of new
sales.
• ROE of 6.3%.
35.6
31.7
35.0
• Achieve weighted sales of US $86 million
(excluding FICC).
George Mohacsi
Foresters President & Chief Executive Officer
15
BUSINESS PLAN 2011–2015
1
kathryn ashby — portfolio
16. Kathryn was and is the original art director on this project that has
an inception date of 2007. For four more years, Kathryn continued
to act as the art director undertaking all tasks on this job including
layout, creation of all charts and tables, image sourcing and editing,
production and final pre-press to print.
www.kpnet.kp.org/national/compliance
Kaiser Permanente, National Compliance, annual report
Kaiser Foundation Health Plan, Inc.
Kaiser Foundation Hospitals
NatIoNal ComPlIaNCe, etHICs, aNd INtegrIty
2009 aNNual
rePort
best place to work
suBsTanTiaTed PrivaCy and/or seCuriTy CoMPlainTs
revieWs and siTe visiTs By CusToMers
Kaiser permanente responded to a number of inquiries about our security
programs from customers in 2009.
66 Inquiries from customers
(including 32 from financial sector)
Down from 2008’s 67 inquiries, including
43 from financial sector
Compliance initiatives
Data center site visit by customers were
deferred to 2010, due to the transition
of data center management to IBM
1 2008 oIG audit of information security
in the California pricing departments for
FeHBp resulted in a corrective action
plan still being implemented
Since 2006, Kaiser permanente’s encryption program greatly reduced the
number of members affected by occurrences of stolen, lost, or missing devices
such as laptops.
212,204
unfortunately, in
271,041
Encrypted Devices
Members impacted
2009, one staff
179,685
by unencrypted devices
Encrypted Devices
member stored
being lost/stolen
171,123
more than 15,000
Encrypted Devices
patient records
on a personally
owned unencrypted
portable hard drive,
against Kaiser
16,282
Members
permanente policy,
which was then
stolen, illustrating
2,575
Members
how easy it is to
lose a large amount
389
Members
of data in one
700
incident.
Encrypted Devices
2006
2007
2008
assessinG and iMPleMenTinG
neW reQuireMenTs
the oIG conducted an audit in 2008 of
information security in Kaiser permanente
pricing departments and required Kaiser
permanente to make improvements to:
• Risk management programs.
enCryPTed sTored daTa and MeMBers iMPaCTed By inCidenTs
AnnuAl RepoRt 2009
Substantiated privacy and security complaints have continued to rise overall,
as have all member complaints (including unsubstantiated ones). Complaints
regarding impermissible releases of information have increased in particular,
indicating a heightened member concern about the protection of their
confidential information.
• the physical security of office buildings.
• Regular reviews of system access.
• termination of inactive accounts.
• Business continuity planning.
• Disaster recovery plans.
the oIG will conduct more audits in 2010.
HHS is required in the American Recovery
and Reinvestment Act to audit health care
organizations for HIpAA compliance, both
in response to complaints and by random
selection. If Kaiser permanente undergoes
another security review, new programs may
be required.
2009
N at i o N a l c o m p l i a N c e , e t h i c s , a N d i N t e g r i t y
30
kathryn ashby — portfolio
17. The yearly registration process for benefits can be a challenging
process and the new online system implemented company-wide
created further communication challenges. Kathryn was tasked
with designing an easy-to-use clear step-by-step guide that would
simplify the process for the end-user. Art direction, image editing
and production skills utilized to create this popular brochure.
www.kpnet.kp.org
Kaiser Permanente, HR Department
How to Enroll
With My HR
Step-by-Step
My HR.
Step One: Take the Tour
Enroll in Your Benefits with My HR
If you’re new to My HR, take the guided tour by clicking
the Take a Guided Tour link on the left panel of the
My HR home page insidekp.org/myhr. It only takes
a few minutes. The tour will give you a great overview
of what’s on the site and what you can do, including
updating your personal information, viewing your
tompay data, changing direct deposit instructions,
viewing your time-off balances, and enrolling in benefits.
My HR is the quick, easy, and accurate way to evaluate your
benefit options and elect or make changes to your benefits
during the annual open enrollment periods, when you are a
new hire or transfer, or when you have a qualifying family or
employment life event (such as marriage, birth or adoption
of a new child, or moving from part- to full-time status). My
HR makes it simple to add new dependents to your benefits
coverage and make the appropriate benefit changes. And you
can access My HR from work or home, just about anytime.
My HR Puts You in Control
Step Two: Activate Your Account
My HR gives you more flexibility and control when
enrolling in your benefits. After you make your benefit
elections, you can review your elections before
submitting. You will also receive a confirmation of
your enrollment. If you make a mistake or change your
If you haven’t already activated your My HR account, log
on to and click on the Activate your account now link.
Be prepared to provide your National User ID (NUID)
and Social Security number. Follow the prompts to
activate your account. It’s that simple.
My HR.
mind, you can visit the My HR Web site at
insidekp.kp.org/myhr to make changes
during the open enrollment period. By using online
enrollment, you avoid the delays and simplify the
benefit election process.
NO COMPUTER? NO PROBLEM!
How to Enroll in Your Benefits
Don’t Know Your NUID?
The My HR Web site should be your first stop for
enrolling in or making changes to your benefits,
as well as
conducting other
routine human
resources, benefits,
and payroll
transactions.
However, if you do
not have computer
access at work
You can use the handy online look-up
feature provided.
or home, you may enroll in or make changes to
your benefits manually using the enclosed Benefits
Enrollment Statement. If you enroll online, do not
send in the Benefits Enrollment Statement to the
HR Service Center.
If you have a question about your enrollment,
contact the HR Service Center at 1-877-4KP-HRSC
(1-877-457-4772). Representatives are available
Monday through Thursday from 8 a.m. to 5:30 p.m.
and Friday from 7 a.m. to 5:30 p.m. to answer questions.
4
insidekp.kp.org/myhr
1-877-4KP-HRSC
2
kathryn ashby — portfolio
18. CIBC creates a wide-variety of brochures for distribution in their
retail outlets marketing their services to clients. Using their brand
guidelines, Kathryn created over 20 brochures for the Retail
division of CIBC. This small business brochure was the start of their
marketing campaign to a more diversified marketplace.
www.cibc.com/ca/small-business.html
CIBC brochures
Investment solutions for personal and business needs
We offer a wide range of registered and non-registered
investment options to help meet both your personal and
business investment objectives. Some are available for a
minimum investment as low as $500. For details and
guidance in choosing the most appropriate investments
for you, please speak with a CIBC business adviser.
GICs for security, growth and flexibility
CIBC GICs are suitable for short and long-term strategies
and are available in a variety of terms, with cashable and
non-redeemable options.
➤ Principal is fully guaranteed.
➤ Early redemption options allow access to cash when
liquidity is important.
➤ Terms are available to meet any time horizon.
➤ Regular interest payments are available.
Ladder your way to better rates
Divide your investment equally between several
GICs of different terms. This way, you maximize
your returns with longer-term rates, and yet still
have access to a portion of your funds because
you’ll always have a GIC maturing.
Professionally managed portfolios
Mutual Funds
Personal advice and attention
Put your investments in the hands of professionals and free
up time to concentrate on your business with our CIBC
Professionally Managed Portfolios. They are ideal if you
don’t have the time or inclination to actively manage your
own investment portfolio.
➤ Access to top-performing investment managers.
➤ Broad diversification to reduce risk and increase
potential returns.
➤ Ongoing monitoring and rebalancing.
➤ Customized asset mix for each investor type.
➤ U.S. Dollar Managed Portfolios† available.
CIBC Securities Inc. offers CIBC Mutual Funds for every
type of investor. Our comprehensive selection of funds
includes a full family of savings, income, growth, and index
funds.
➤ Professional investment management.
➤ Easy access to your money.
➤ Wide range of mutual funds to choose from, including
non-CIBC funds.
Your CIBC business adviser may call upon a CIBC Financial
Planning Inc.I Investment Specialist to help you develop a
plan that ensures you are on track to meet your business
and personal investment goals. Working with your CIBC
adviser and investment professionals can help you focus
on your options and make informed decisions. Together
they will:
➤ Help you define your goals, risk tolerance, and
investment objectives.
➤ Recommend solutions tailored to your unique needs.
➤ Proactively keep you informed of investment
opportunities, monitor your portfolio against your
plan, and recommend necessary adjustments.
Diversify to reduce risk
Diversification is the key to long-term success. Holding
a mix of investments from the three main asset
classes (savings, income, and growth) reduces risk as
the decline in one investment may be offset by the
strength in another.
Investment options at a glance
Savings and nonregistered investing
Retirement
investing
Guaranteed
Investment
Certificates (GICs)
• Secure investment
with guaranteed
principal
• Flexible terms
• Ideal for investing/parking surplus
business funds
• Short-term/cashable GICs
provide liquidity
• Longer-term/non-redeemable
GICs provide higher returns
• Suitable for savings and
income
• Key component of a
diversified portfolio
• Key component of a
diversified RRSP/RRIF
portfolio
• Index-linked GICs
provide higher growth
potential
Professionally
Managed Portfolios*
• Professional management of investments
• Frees your time to
concentrate on your
business
• Long-term growth (such as
retained earnings or holding
company funds)
• Provides accessibility when
liquidity is required
• For longer-term goals
(such as children’s
education or elder care)
• When professional
management is desirable
• When professional
management of
RRSP/RRIF is desirable
Investment option
Mutual Funds
What it
provides
Business investing
Our commitment to needed • Potential growth for
• Investments ranging
• Accessible (liquid) when you
short and long-term goals
from savings to growth
to react to immediate business
• Key growth component
• Longer-term growth
opportunities
of a diversified portfolio
potential, but greater
• Savings for longer-term investAt CIBC, we’re committed to small business and to
level of risk
ments, such as purchasing capital
helping you succeed. Our business advisers work hard to
equipment
• Longer-term growth
component of a
diversified RRSP
• Potential for long-term
growth with equity
funds
If you have a significant portfolio balance and require
more personalized planning and investment choices, a
CIBC Wood Gundy® Investment Adviser can provide
investment advice and expertise that’s one to one.***
Self-directed brokerage
If you prefer to make your own
investment decisions, consider
CIBC Investor’s Edge®. You can
invest online or by phone and
access the tools and research
you need.****
Invest regularly to reach long-term goals
understand your business and recommend solutions that
*Included in Professionally Managed Portfoliostailored CIBC Managed Portfolio Services, our “All-In-One Fund Solution” (with a minimum a wholly-owned subsidiary of CIBC, as well as
are are the to your unique needs.
CIBC Securities Inc.,
investment of $500), and CIBC Personal Portfolio Services,** available to clients with household investable assets greater than $100,000.
other dealers, including CIBC Investor Services Inc. and CIBC
For further information about CIBC investment experience speak to a CIBC business adviser or visit www.cibc.com. Managed Portfolios are mutual funds
Expertise and solutions,
Financial Planning Inc. CIBC
➤ CIBC business advisers and investing professionals
will help you develop a plan that clearly defines your
tolerance for risk and meets your personal and business
investment targets.
Comprehensive selection of investment options
➤ Your CIBC business adviser can access a wide range of
registered and non-registered investment products and
services that best suit you and your business.
For further information on CIBC investment product solutions,
speak to a CIBC business adviser or visit www.cibc.com.
that invest in other CIBC Mutual Funds. CIBC Managed Portfolio
Services is a service that helps you select an appropriately built
CIBC Managed Portfolio. Commissions, trailing commissions, management fees and expenses all may be associated with mutual
fund investments. Please read the prospectus carefully before
investing. To obtain a copy, call CIBC Securities Inc. at 1-800-465FUND or ask your mutual fund representative at any branch where
CIBC Mutual Funds are sold. Mutual funds are not insured by the
Canada Deposit Insurance Corporation or by any other government
deposit insurer, nor are they guaranteed by CIBC. There can be no
assurance that Savings Funds will be able to maintain their net
asset value per security at a constant amount or that the full
amount of your investment will be returned to you. The values of
Income and Growth Funds change frequently. Past performance
may not be repeated.
†CIBC U.S. Dollar Managed Portfolios are not eligible for registered accounts offered
by CIBC Securities Inc., but other registered dealers and brokers may allow you to
hold these Portfolios in their registered accounts.
†† CIBC Regular Investment Plans are offered by CIBC Securities Inc.
**CIBC Personal Portfolio Services is a discretionary investment management service
provided by CIBC Trust Corporation, a subsidiary of CIBC, to individuals with household
investable assets greater than $100,000.
***CIBC Wood Gundy is a division of CIBC World Markets Inc. Member CIPF.
****CIBC Investor Services Inc. (ISI) is a subsidiary of CIBC and Member CIPF.
Information about CIPF is available upon request. CIBC Investor’s Edge is the discount
brokerage division of ISI. ISI does not provide you with any legal, tax, or accounting
advice or advice regarding the suitability or profitability of a security or investment in a
CIBC Investor’s Edge account. You assume full responsibility for transactions in your
CIBC Investor’s Edge account and for your investment decisions. Cash balances owing
to you are not insured by the Canada Deposit Insurance Corporation or any other government insurer but are fully guaranteed by CIBC. Unless with respect to a specific security you are informed to the contrary, securities sold are not guaranteed by the Canada
Deposit Insurance Corporation or CIBC. The value of many securities may fluctuate.
ICIBC Financial Planning Inc. is a Member CIPF.
Don’t wait any longer to get your
investments working harder for you.
Speak to a CIBC business adviser today.
Certain products may not be available to business customers or are available under
differing terms/conditions.
TM
®
Trade-mark of CIBC. Logo and “For what matters.” are trade-marks of CIBC.
Registered trade-mark of CIBC.
0449-03
Investing
††
A CIBC Regular Investment Plan is an easy way to
build your investments. You decide how much and
how often you want to invest, and the type of
investment you want. You can make contributions
up to four times a month, and you can start with as
*CIBC Mutual Funds and CIBC Managedlittle as $25aremonth. by
Portfolios a offered
102A364E 01/04
Investing
small business
for the
owner
Investing in you and your business
As a small business owner, you have complex financial
planning needs. You need to plan for investments in the
name of your business, as well as for your personal
portfolio and retirement goals.
Your CIBC business adviser, working with other investment
professionals, has the experience and expertise to help you
develop a plan that meets the financial goals for you and
your business. Your CIBC business adviser can also help you
choose the right combination of investment solutions that
will allow you to invest with confidence.
Key considerations
When deciding where and how best to invest, you will
need to consider many things, such as:
Tax planning
➤ A personal contribution to a registered investment
gives you tax-deferred investment growth and, in
some cases, an immediate tax deduction.
➤ A business investment may result in benefits such as
preferential tax treatment for dividend income and
capital gains.
Risk tolerance and investment time horizon
➤ Short-term investments offer easy access to
your money.
➤ Longer-term growth investments may be more volatile,
but provide the opportunity for higher longer-term gains.
Retirement planning
➤ Because your contribution limit for registered
investments is tied to your income, you will want to
consider non-registered investments as part of your
plan to achieve your retirement goals.
➤ All potential sources of retirement income should be
considered, such as government pensions, nonregistered investments, equity in your home and other
real estate, not just the equity in your business and
your registered investments.
kathryn ashby — portfolio
19. Kathryn designed and produced this 24-page odd-format size
guide for new customers to the Investor’s Edge Self-Directed
brokerage division. The challenge with this project was to create an
easy-to-read marketing piece that consisted of a lot of information
distilled down into simple step-by-step instructions on the use
of the telephone and online system and how to read the account
statement.
www.onlinebrokerage.cibc.com
CIBC Investor’s Edge welcome brochure
Knowledge
Activity
Insight and knowledge
to help you invest
with confidence
You will
have access
to top-ranked
research and
information
to help you
evaluate
opportunities
and monitor
your portfolio.
Account information
at your fingertips
Your statements summarize your investments in several useful ways.
Log on to www.investorsedge.cibc.com to discover the comprehensive tools and resources we
offer to help you identify opportunities and make informed investment decisions.
• The Portfolio Overview groups your
investments by asset class, showing both
the dollar amount and the percentage
of your portfolio for each asset class.
the beSt InveStment tOOlS And reSeArCh
Providing you with high-quality research is one of our top priorities. We have selected research
providers who are leaders in their fields, offering some of the best online information and
resources available today.
• Account Activity gives you a detailed
list of all the transactions for the
statement period.
• Portfolio Assets lists all the assets in
your portfolio by asset class. It details
the number of units, book value, market
price, current market value, and whether
the securities are held in segregation
or custody.
CIbC World markets and CIbC Wood Gundy reports — Get our analysts’ perspectives on
more than 400 stocks in the Canadian economy, as well as breaking news and the latest
reports on equities, fixed income investments, and economics.
Stock tools — brings you equity research on more than 10,000 Canadian and U.S.
companies, powered by GlobeinvestorGOLD™.
Knowledge
Insight
Telephone guideand knowledge
to help you invest
with confidence
Numeric Alphabet
Letter
Numeric
Code
A
21
B
22
C
23
D
31
e
32
F
33
G
41
H
42
I
43
J
51
k
52
M
61
N
62
0
63
P
71
Q
77
R
72
S
73
T
81
U
82
V
83
W
91
X
92
Y
93
Z
99
•
11
3
• RRSP statements include a Contribution
Summary section that shows contributions for the first 60 days of the year and
the remainder of the year.
Activity
Standard & Poor’s® Stock reports — gives you comprehensive U.S. equity information,
including more than 1,200 stock reports and 2,500 company reports.
• The Income Summary shows what you
have earned in your account for the
statement period, and for year-to-date.
mutual fund research — powered by GlobeinvestorGOLD, makes it easy to choose funds.
Our fund-filtering tool will help you compare funds, in addition to providing Globe Fund
5-Star Ratings, fund profiles, charts, price history, and more.
StAtementS And trAde COnfIrmAtIOnS
Telephone guide
Stock Alerts — provides timely e-mail notification of news, price, and volume changes that
affect your investments.
To keep you fully up to date on activity in your account, we will mail you a written trade
confirmation of your transactions after the trade is executed.
trade Alerts — notify you, via e-mail, when your stock or option order is filled (full, partial,
or multiple).
Account information
at your fingertips
You will receive a statement at the end of every month when there is activity in your account.
If there’s no activity, but your account holds cash or securities, you will receive a quarterly
statement. You can also view your statements online at www.investorsedge.cibc.com.
new equity Issues/IPOs — give CIBC Investor’s Edge clients the status of new issues and can
be found on our Web site.
Portfolio tracker — allows you to save multiple lists of equity, option, and mutual fund your investments in several useful ways.
Your statements summarize
ACCOunt bAlAnCeS And hIStOry
symbols for tracking of various statistics and information about these holdings.
Log on to www.investorsedge.cibc.com to discover the comprehensive tools and resources we
You will
offer to help you identify opportunities and make informed investment decisions.
have access
Table of exchange Symbols
to top-ranked
the beSt InveStment tOOlS And reSeArCh
Exchange
Symbol
Numeric Code
research and
The American Stock research
A
21
Access real-time equity, option,information
and index quotes on Providing and U.S. stock exchanges and is one of our top priorities. We have selectedexchange
Canadian you with high-quality research
6 to offering some of the best online information and
over-the-counter markets. You can also create, update, or play who are leaders in list offields,
providers back a customized their up
NASDAQ*
Q
77
to help you
10 securities. Once in the Quotes menu, choose one of the following options:
resources available today.
evaluate
Pacific Stock exchange
P
71
1
For Stock Quotes
opportunities
X
92
CIbC World markets and CIbC Wood Gundy reports — Get our Philadelphia Stock exchange
analysts’ perspectives on
and monitor
more than 400 stocks in the Canadian economy, as well as breaking news and the latest
2
For Option Quotes
reports on equities, fixed income investments, and economics. *Some NASDAQ symbols may be abbreviated. If you have a problem obtaining a NASDAQ quote, please
your portfolio.
You can view your summary balance,
• The Portfolio Overview groups your up to 13 months of transaction history, and your
complete current holdings by visiting www.investorsedge.cibc.com. In addition, our automated
investments by asset class, showing both
telephone service and the percentage
the dollar amount can report your summary balances.
of your portfolio for each asset class.
1
Quotes menu
transfer to an Investment Representative for assistance.
For Index Quotes
Stock tools — brings you equity research on more than 10,000 Canadian and U.S.
example: To get a quote on Canadian Imperial Bank of Commerce common shares (symbol
companies, powered by GlobeinvestorGOLD™.
4
To hear your Portfolio Tracker (list)
“CM”) listed on The Toronto Stock exchange (symbol “T”), select: Other security quotes.
bigCharts™ — provides access to professional-level charting tools get quotes on analysis
To and technical other securities, such as preferred shares or warrants:
For each of these options, you will be asked to enter the including: historical and intra-day charting for publicly traded equities in Canada and the
letter symbol for the stock, index,
U.S.; performance comparison charts for stocks, indices and more.
or exchange you want. To enter a letter:
• As above, from the Quotes menu, press 1 for stock quotes. Then,
Standard & Poor’s® Stock reports — gives you comprehensive U.S. equity information,
• Press the number on the keypad on which the letter appears, then
• Enter
including more than 1,200 stock reports and 2,500 company reports. the stock symbol followed by a period (represented by 1 1 )
mutual fund research — on the
• Enter the type of funds.
• Press 1 , 2 , or 3 to indicate whether the letter is the 1st, 2nd, or 3rd letterpowered by GlobeinvestorGOLD, makes it easy to choose security (see below), followed by another period
Our fund-filtering by and “Z” by
key as on the following table. Note: the letter “Q” is represented 7 7 tool will help you compare funds, in addition to providing Globe Fund
5-Star Ratings, fund profiles, charts, price history, and more. • Enter the security’s series letter, if any
9
9 .
• Account Activity gives you a detailed
list of all the transactions for the
statement period.
7
• Portfolio Assets lists all the assets in
your portfolio by asset class. It details
the number of units, book value, market
price, current market value, and whether
the securities are held in segregation
Symbol exchange
or custody.
CM
T
• RRSP statements include a Contribution
23 61# Summary section that shows contribu81
tions for the first 60 days of the year and
the remainder of the year.
• The Income Summary shows what you
have earned in your account for the
statement period, and for year-to-date.
StAtementS And trAde COnfIrmAtIOnS
• Press #
Stock Alerts — provides timely e-mail notification of news, price, and volume changes that
affect your investments.
• Enter the symbol for the exchange on which the security is listed up to date on activity in your account, we will mail you a written trade
To keep you fully
trade Alerts — notify you, via e-mail, when your stock or option order is filled (full, partial,
confirmation of your transactions after the trade is executed.
or multiple).
Symbols for special securities
Once in the Stock Quotes menu, follow these steps to get a quote for a stock:
You will receive a statement at the end of every month when there is activity in your account.
Security
Symbol
Numeric code
new equity Issues/IPOs — give CIBC Investor’s Edge clients the status of new issues and can
If there’s no activity, but your account holds cash or securities, you will receive a quarterly
• Enter the symbol of the stock you want a quote for by using two our Web site. each letter
be found on numbers for
statement. You can also view your statements online at www.investorsedge.cibc.com.
Preferred share
PR
71 72
of the symbol, according to the numeric alphabet chart above.
Portfolio tracker — allows you to save multiple lists of equity, option, and mutual fund
Right
RT
72 81
ACCOunt bAlAnCeS And hIStOry
• Press #
symbols for tracking of various statistics and information about these holdings.
STOCk QUOTeS
1
• Enter the symbol for the exchange on which the security is traded, as listed in the
“Table of exchange Symbols” on below:
Exchange
The Toronto Stock exchange (TSX)
S&P/TSX Venture exchange
New York Stock exchange
Warrant
WT
91 81
You can view your summary balance, up to 13 months of transaction history, and your
43 72
complete current holdings by visiting www.investorsedge.cibc.com. In addition, our automated
telephone service can report your summary balances.
Installment receipt
IR
Trust Unit
Table of exchange Symbols
18
bigCharts™ — provides access to professional-level charting tools and technical analysis
including: historical and intra-day charting for publicly traded equities in Canada and the
U.S.; performance comparison charts for stocks, indices and more.
6
Symbol
Numeric Code
T
81
V
83
N
62
UN
82 62
Non Voting
NV
62 83
Subordinate Voting
SV
73 83
Limited Voting
LV
53 83
Restricted Voting
RV
72 83
Multiple Voting
MV
61 83
7
19
kathryn ashby — portfolio
20. A unique brochure-style 12 page self mailer that included it’s
own folder with the brochure pages saddlestiched inside. This
was an introduction marketing piece to general customers to the
concept of principal protected notes as a method to enhance their
portfolios. Kathryn designed the booklet, sourced all imagery and
created infographics, tables and other elements to highlight the
client message.
www.cibc.com
CIBC Protected Notes self mailer
WE’RE HERE TO HELP
A RANGE OF NOTES TO MEET YOUR GOALS
HOW CIBC PRINCIPAL PROTECTED NOTES WORK
CIBC Principal Protected Notes are available with a wide variety of features designed to meet
your investment needs. Some of the more popular structures offer annual income and/or
variable interest at maturity, a guaranteed return, and returns
linked to the performance of a basket of indices, stocks, or
even commodities.
Principal Protected Notes in light of your long-term goals, your investor
To understand how CIBC Principal Protected Notes work, consider the CIBC International Indexprofile,
Linked Deposit Notes. It features a simple structure that illustrates the basic elements of many
CIBC Principal Protected Notes.
ISSUER:
a number of CIBC Principal Protected Notes available to meet your specific
Canadian Imperial Bank of Commerce
investing needs.
February 16, 2010
CIBC
MATURITY:
INTERNATIONAL
UNDERLYING ASSETS:
INDEX-LINKED
LINKED TO:
SERIES 1
a diversified portfolio of industry-leading companies (BellSouth, Consolidated Edison, Duke Energy, General Electric, General Motors, Hewlett-Packard,
Johnson & Johnson, Microsoft, Verison Communications, Wal-Mart Stores)
CIBC Principal Protected Notes
August 3, 2012
Speak with your investment advisor
DOW JONES
EURO STOXX 50
NIKKEI 225
WEIGHTED
AVERAGE INCREASE
(DECREASE)
AMOUNT RECEIVED
AT MATURITY
Up 30%
Up 60%
43.33%
$5,000 principal +
($5,000 x 43.33%)
= $7,166.50
Up 30%
Down 20%
16.67%
$5,000 principal +
($5,000 x 16.67%) =
$5,833.50
0%
Down 20%
(8.33%)
$5,000 principal
for more information about how
CIBC Principal Protected Notes can
Scenario 1
CIBC PRINCIPAL PROTECTED portfolio of 20 leading companies,
LINKED TO: an internationally diversified stock NOTES
from various countries that operate in a variety of sectors (including British
Petroleum, Dell, eBay, Honda Motor, Nestle, Nokia, and Procter & Gamble)
REDEMPTION
THE NEED FOR PRINCIPAL PROTECTION ..........................2
SPECIAL FEATURES: guaranteed coupon of 9% in the first year; thereafter, the annual
DEPOSIT
coupon is based on the price performance of the underlying portfolio. Notes autoNOTES
matically mature the aggregate value ................2
WHAT ARE CIBC PRINCIPALif PROTECTED NOTES? of coupons paid equals or exceeds 16%;
total return potential is unlimited
Up 40%
TARGET
help you meet your investment goals,
or visit cibcprotectedequitynotes.com
for more information.
Scenario 2
Up 40%
Scenario 3
BENEFITS AT A GLANCE ...........................................3
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a CIBC Principal Protected Note that’s right for you.
These three possible scenarios illustrate what kind of returns may result from this note structure,
assuming an initial investment of $5,000.
S&P 500
EQUITY
personalized guidance you need to make a decision in choosing
100%, if held to maturity
Protection
with
potential
guaranteed coupon of 5% in the first year; years 2 through 6,
investors receive an annual coupon equal to the average price return of the basket,
measured from the issue date to the coupon date, with any positive performance
for each stock automatically counted as 10.5%
SPECIAL FEATURES:
MATURITY:
CIBC
Please consult with your investment advisor today for the objective,
variable interest equal to 100% of positive return of underlying indices,
payable at maturity
At maturity, investors will receive 100% of any positive price return of the underlying international
indices. The principal is fully protected, so even if the indices fall in value, investors will still receive
the original amount of their investment at maturity. As the notes are denominated in Canadian
dollars, any fluctuation in the value of the foreign currency against the Canadian dollar will have
no direct effect on the investment.
November 17, 2010
DEPOSIT NOTES,
PAYMENT:
PRINCIPAL GUARANTEE:
MATURITY:
GENERATION
equally weighted portfolio of the S&P 500® Index, the Dow Jones
Euro Stoxx® 50 Index, and the Nikkei 225 Index
DEPOSIT NOTES
FOR INCOME-ORIENTED INVESTORS
PREMIUM YIELD
and your overall portfolio.
With a variety of innovative features, terms, and reference assets, there are
The following are a few examples of recently issued principal
protected notes, along with brief explanations of their
features. To find out about current offerings, and which notes
may be most appropriate for your personal circumstances,
consult your investment advisor.
CIBC
As with any investment, it’s important to consider the suitability of CIBC
Down 5%
6
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8
ARE CIBC PRINCIPAL PROTECTED NOTES RIGHT FOR YOU? .....4
5
HOW CIBC PRINCIPAL PROTECTED NOTES WORK
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The hypothetical returns used in the above examples are included for illustration purposes only and are not estimates or forecasts
intended to predict future results. Actual returns will vary, depending on the performance of the underlying assets.
...............5
A RANGE OF NOTES TO MEET YOUR GOALS ....................6
WE’RE HERE TO HELP
.............................................8
PROTECTION AND POTENTIAL
– FOR YOUR PEACE OF MIND
173A202E
04/05
CIBC Principal Protected Notes are a convenient investment vehicle for
investors who want to participate in the financial markets without risking their
initial investment.
CIBC offers a wide range of notes, linked to a variety of underlying assets that
include stock and bond indices, equities, funds, and commodities. This guide
explains how CIBC Principal Protected Notes work and outlines their potential
benefits.
For more in-depth discussion, please call your investment advisor and ask how
these innovative products can complement your existing portfolio.
1
kathryn ashby — portfolio
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