CIBC Branch Account Open - Joint & Youth Flow Interactive ... · Wireframes Prepared for: Michele Poole, Director User Experience and Creative Design CIBC - Internet Channel, Retail

CIBC Branch Account Open - Joint & Youth Flow

Internet Channel | Version 1.4b | 10.25.2002

Interactive Design SpecificationProcess FlowSite MapWireframes

Prepared for: Michele Poole, DirectorUser Experience and Creative Design CIBC - Internet Channel, Retail [email protected]

Prepared by: Alice Thomas, Usability Consultant [email protected]

Trish Thornton, Usability [email protected]

Pamela Millar, Information [email protected]

Catherine Tunney, Information [email protected]

Note:

This IDS document contains the process flows, site map and wireframes for the Branch Account Open project (external user flows only). The wireframes are a functional representation of the elements identified for placement on the web page.

This includes:navigation scheme placement of contentfinal content excluding Help

It does not include: visual designbranding

The source for visual design and branding will be the mock ups and HTML pages based on the Online Style Guide and CBFE Guidelines.

Version History1.0 - 09.16.20021.1 - 09.17.20021.2 - 09.21.20021.3 - 10.18.20021.4 - 10.25.20021.4b - 10.25.2002

Internet Channel Version 1.4b| 10.25.2002 Page 2

CIBC Wireframe - Joint & Youth Flow

Signature DateABM Channel and Card Management Services

Signature DateTechnology

Signature DateRisk

Signature DatePersonal Banking

Signature DateImperial Service

Signature DateLegal

Signature DateProcess Engineering

Signature DateBranch Banking Sale Effectiveness

Signature DateRetail Small Business Lending

Signature DateGD&P

Internet Channel Signature Date

Signature DateCIF



These are available in specific parts of application

BC Branches Only

Repeat system checks and generate print documents for Secondary applicant Customer Search

3.0

9.0 9.0.1

Passed Credit

Check?

Credit Check

5.0

3rd partyyes

1.1

Account Purpose -Fraud Test

If found

Customer Profile

Create CIF

4.0

Address Correct

Closing Dialogue

Add another Account?

no

Customer Identification

1.0

2.0

6.0

8.0

Account Open - Features

Assign New Convenience Card

7.0

Authorizedby client

SIN Consent

Select Account Type

yes Account Purpose -Fraud Test

1.0

3rd party

1.1

yes

yes

Existing CC

4.4

Account Summary & PCNA

Form 5377: Consent for

Minor

7.1

These pages are available throughout the application

Slot Available

6.1

noDecline Letter

no

no

yes

Slot Available

no

no

Account Summary

If CC, Amex or

Visaprovided

No

Yes

yes

yes

yes

Search Result

3.1

Repeat system check for joint applicant

Print Dialogue

14.0

Application Error

18.0

Confirmation to Exit/Print and Exit

16.0/16.1

Switch PrimaryRepeat system check for joint applicant

Third Party

Third Party

15.0/15.1Supervisor/Operator

Override

no

<90 days since check yes Credit Bureau on File

6.0.1

Verify Address

4.1No

Foreign addressResidency Information

4.2/5.2

No

View Existing Overdraft

Print Forms and continue

Form 5915 BIL Declaration

Privacy Disclosure

PASA

Signature Card

If deposit is greater than $10K

These pages appear dynamically based on Credit Bureau Information

Credit Bureau No Home Address Match

6.0.4

Credit Bureau Verify Customer Profile

6.0.3

Credit Bureau Down

6.0.2

10.1

10.2

10.3

10.4

11.0 11.1/11.2

12.0

17.0

SIN Consent

4.3/5.3SIN

Consent?

No

Modified SIN Field

No

Verify Convenience Card

7.0.1 New CC

Yes

Yes Yes

Yes

No

1.4

Login

0.1

1.4b

Account Details

11.01



Scenario 1: Existing Primary without CC Existing Secondary without CC Customer Search - No CC

provided (Primary)

3.0

5.0

If found

Customer Profile (Primary)

From Customer Identification (ID 2.0) on

Process Flow

yes

Search Result (Primary)

3.1

No

Customer Search No CC Provided

(Secondary)

3.0

5.0

If found

Customer Profile (Secondary)

yes

Search Result (Secondary)

3.1

System Processes ID for Joint

Customer from 2.0

Continue to Credit Check (ID 6.0) on Process Flow

SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

Yes

YesSIN Consent

4.4

SIN Consent

4.4yes

yes

Scenarios



Scenario 2: Existing Primary with CCExisting Secondary with CC

5.0Customer Profile

(Primary)


Process Flow

5.0Customer Profile

(Secondary)

If CC, Amex or Visa

provided

System Processes ID for Joint

Customer from 2.0

If CC, Amex or Visa

provided


SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

Yes

SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

YesSIN Consent

4.4

SIN Consent

4.4yes

yes

Scenarios



Scenario 3: New Primary and Existing Secondary with CC Customer Search - No CC

provided (Primary)

3.0

If Not found


Process Flow


3.1

5.0Customer Profile

(Secondary)

System Processes ID for Secondary

Customer from 2.0

Create CIF

4.0

If CC, Amex or Visa provided

Address Correct

SIN Consent

4.4

yes

Verify Address

4.1No


4.2

yes

No

SIN Consent

4.3Modified SIN field

No

yes


SIN Consent

5.3SIN

Consent?

No

Modified SIN field

No

SIN Consent

4.4YesYesyes

yes

Scenarios



Scenario 4: Existing Primary with CC and New Secondary


Process Flow


Customer from 2.0


Customer Search (Secondary)

3.0

If Not found


3.1

Create CIF

4.0

5.0Customer Profile

(Primary)

If CC, Amex or

Visaprovided

SIN Consent

4.4

Address Correct

SIN Consent

4.4

Verify Address

4.1No


4.2/5.2

yes

SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

Yes

SIN Consent

4.3SIN

Consent field

No

yesyes

yes

Scenarios



Scenario 5: New Primary New Secondary

Customer Search (Primary)

3.0

If found


Process Flow

no


3.1

No


3.0

If found


3.1


Customer from 2.0

Continue to Credit Bureau Check (ID 6.0) on Process

Flow

Create CIF

4.0

Address CorrectVerify Address

4.1No


4.2/5.2

yes

Create CIF

4.0

Address Correct

SIN Consent

4.4

Verify Address

4.1No

Foreign address Residency Information

4.2yes

No

SIN Consent

4.3SIN

Consent field

No

SIN Consent

4.3SIN

Consent field

No

yes

SIN Consent

4.4Yes

yes

yes

Scenarios



Scenario 6: Existing Primary with CC and Existing Secondary without CC

5.0Customer Profile

(Primary)


Process Flow


Customer from 2.0

If CC, Amex or Visa

provided

SIN Consent

4.4


3.0

5.0

If found

Customer Profile (Secondary)

yes


3.1

SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

Yes


SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

YesSIN Consent

4.4

Yes

Yes

Scenarios



Scenario 7: Existing Primary without CC and Existing Secondary with CC


3.0

5.0

If found


yes


3.1


Process Flow

Personal CIF

5.0Customer Profile

(Secondary)

yes


Customer from 2.0

If CC, Amex or

Visaprovided

SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

Yes


SIN Consent

5.3SIN

Consent?

No

Modified SIN field

Yes

No

YesSIN Consent

4.4

SIN Consent

4.4

Yes

Yes

Scenarios



Scenario 8: Existing Primary Without CC and New Secondary


3.0

5.0

If found


yes


3.1


Process Flow


Customer from 2.0


3.0

If found


3.1


Create CIF

4.0

Address Correct Verify Address

4.1No

Foreign address Residency Information

4.2/5.2yes

SIN Consent

5.3SIN

Consent?No Modified

SIN fieldYes

NoYes

SIN Consent

4.3SIN

Consent field

NoSIN Consent

4.4

SIN Consent

4.4Yes

Yes

Scenarios



Scenario 9: New Primary and Existing Secondary Without CCCustomer Search

(Primary)

3.0

If found


Process Flow

no


3.1

Create CIF

4.0

Address CorrectVerify Address

4.1No


4.2

yes

System Processes ID for Secondary Customer from 2.0


3.0

If found


3.1

5.0Customer Profile

(Secondary)

yes


SIN Consent

5.3SIN

Consent?No Modified

SIN field

Yes

NoYes

SIN Consent

4.3SIN

Consent field

No

yes

SIN Consent

4.4

SIN Consent

4.4

Yes

Yes

Scenarios



Account Purpose Customer ID Open Account Global Elements

Account Purpose

Third Party, Joint

Customer Identification

Customer Search

Search Result

Create CIF

Verify Address

Customer ProfileApplication Error

Confirmation to Exit/Print

Assign Convenience Card

Select Account Type

Account Open

CC Consent for Minor

Print Dialogue

Account Summary & PCNA

Printable Account Summary

Signature Card

Print Disclosure

1.0

1.2

2.0

3.0

3.1

4.0

4.1

5.0

7.0/7.01

7.1

8.0

9.0

11.0/11.0a

11.1/11.2

10.4

14.0

18.0

16.0/16.1

14.0

Closing Dialogue

12.0

Credit Check

Credit Check

6.0

6.0.4

Credit Bureau on File

Credit Bureau Down

Credit Bureau Verify Customer Profile


6.0.1

6.0.2

6.0.3

Credit Bureau Decline Letter

6.1

Print Jobs

Account Summary

11.1/11.2

Signature Card

10.4

PASA10.3

Privacy Disclosure

10.2

Form 5915: BIL Declaration

9.2

Credit Bureau Decline Letter

6.1

SIN Consent

4.4

Form 5377: Indemnity by Parent or Guardian

7.1

Supervisor/Operator Overrides

15.0/15.1.

SIN Consent

4.3

Residency Information

4.2


9.01

Switch Primary

17.0.

Account Details Popup

11.0.1



Title: ID:Filename:

Operator ID AB12345 Operator ID AB12345

? Help 1.4b

Functional RequirementsScreen should be presented in language of the operator.

FieldsOperator ID: Displayed and non-editableTransit Number: Displayed and non-editablePassword: Editable and masked

ButtonsCancel - closes the applicationLogin - links to 1.0 Account Purpose if logon successful

Error Messages:

Condition: Password is incorrectMessage: To be provided by Exception PackageWhere the message occurs: Inline on same page

Condition: System Time-out Message: To be provided by Exception PackageWhere this message occurs: Inline on same page

Enter your password to login and begin the Account Open process.

Operator ID

Transit Number

Password

LoginCancel

ab123

12345

9.29.1

9.3

9.2

9.1

9.3

10.110.2

Login Screen0.1

10.1 10.2

{messages}

1.4

1.4b



Title: ID:Filename:


? Help 1.4b

Account Purpose1.0

{messages}

Français

ContinueExit

Tips

10.1 10.2

Depending on the reason for account use, additional CIBC products may be worth considering.

Enter the customer details and select "Continue". All information is mandatory to proceed, unless indicated otherwise.

Getting to Know You

Why did you choose this Branch?

If Other is selected, please describe:

What will this account be used for?

If Other is selected, please describe:

Are you opening this account for the benefit of a third party? (Note: This does not include joint/youth applicant)

Yes NoWill this account be a joint account?

Yes No

Are you making a cash deposit and/orwire transfer ? Yes No

If yes, what is the dollar amount? $

9.1

9.2

9.3

9.4

9.5

9.6

9.7

9.8

Functional RequirementsStore the data so it can be extracted and made available to other groups such as Money

Laundering.Display all questions in first path. If this screen is being displayed as part of opening a second

account (already been through BAO flow once) then grey out radio buttons for "why did you choose this branch" question (9.1) and Is this a joint account ?(9.8).

A "Back" button is displayed on this page if the user is opening a second account. Link to 9.0System remains in selected language until user switches back.

Form Fields - Why did you choose this Branch? Response format: choose from list

contains: Existing customer of the Branch, Existing customer of CIBC, Transferring from another branch,Live/ Work/Shop in the area, Referred by existing customer, Transferring from a competitor, Other. Required: mandatory; Field length: 1-100 char; Field type: characters; Action: save response / carry data. Note: If this screen is being displayed as part of opening a second account (already been through BAO flow once) then display prepopulated response which is not editable from first account opened for first question and last questions. Back end sends response to system even though the question will not be edited.

Other - Answer format: text entry; Field length: 50 char. Only mandatory if user selects Other from drop-down list in 9.1

What will this account be used for? Response format: choose from list / text entry: Payroll, Household Expenses, Savings, General, RSP, Education, Vacation, House, Car, Other; Required: mandatory; Field length: 1-100 char; Field type: characters; Action: save response / carry data

Other - Answer format: text entry; Field length: 50 char. Only mandatory if user selects Other from drop-down list in 9.3

Are you making a cash deposit and/or wire transfer? Response Format: radio buttons: yes, no; Required: mandatory; Action: save response / carry data

If yes,..dollar amount. Response Format: text entry; Required: mandatory if yes to question above. If no, then go to next question - not mandatory; Field length: 1-100 char; Field type: numeric; Action: save response / carry data. Canadian Funds.Allow approximate dollar value without cents. If user enters cents, accept. If user enters all digits, display as dollar value with commas in appropriate slots.For example:

User enters 12345 … system displays $ 12,345.00Allow user to change.If user enters123.45 … system displays $ 123.45If the amount is greater than $10,000., display an information message reminder the user to complete a Form 5915, Declaration of Funds. Save the response and form to be printed after the account has been opened.

NOTE: If user does not put in any dollar amount for cash value provide a message to ask for a value. If amount is $10000 or more provide prompt/message Form 5915 BIL Declaration of Source of Funds is required). If amount is less $9999 and under for new or existing customer, continue process without message.

Are you opening this account for the benefit of a third party? radio buttons: yes, no Required: mandatory; Action: save response / carry data. If answer is yes then dynamically display Third Party Details. If no then do not display ID 1.1 Third Party.

Will this be a joint account? radio buttons contains: yes, no; Required: mandatory; Action: save response / carry data Defaults to NO. Subsequent passes through the flow this will be greyed out and non-editable.

9.2

9.1

9.3

9.4

9.5

9.6

9.7

9.8

10.3

Back 10.4

1.4

1.4

1.4

1.4b

1.4b

1.4b



LinksExit - Exit dialog box 16.1Continue - Forwards to ID Third Party 1.1 if user selects yes for "Are you opening

this account for the benefit of a third party"; if no then forward to Customer Identification ID 2.0Francais - links to French version of interface. If user returns to this screen by

adding an additional account this link is greyed out. There is a cedille beneath the "c" in Français . The language remains until the user selects this link.

Back - Dynamic. Only available if first account has been opened and user is repeating the process to ID 9.0

Errors / Messages

1. Condition: Error handling should highlight any fields not completed if operator attempts to by-pass inputting all of this information. Message: Content of error message to be provided in global requirements.Where message occurs: In-line message.

2. Condition: The deposit amount is greater than $10,000. Customer needs to fill out the Form 5915: "Declaration of source of funds" which will be queued to print console upon account open.Message: The deposit amount is greater than $10,000. Please fill out Form 5915: "Declaration of source of funds" with the customer. Where message occurs: In-line message displayed on following page.

3. Condition: Displays only after 1st account is open and the customer is opening an additional accountMessage: "Congratulations! Your account open for {First Name Surname} was successful"

10.110.2

10.3

10.4

1.4



Title: ID:Filename:


? Help 1.4b

Third Party1.1

Details about the third party must be complete to continue the application process.

{messages}

Third Party Details Tips

Remind customers that due to government regulations, each piece of requested information is required.

ContinueBack

Surname

First Name

Unit/Street

Postal/Rural

City/Town

Province/StatePostal Code/ Zip Code

Country

Occupation

Relationship to person opening account

Exit

9.1

9.2

9.3

9.4

9.5

9.6

9.7

9.8

9.11

9.12

10.1 10.2 10.3

Functional RequirementsPage is only displayed if operator answered "Yes" to question: "Are you opening this account for

the benefit of a third party" ID 1.0Address cannot be a PO Box Number

Form Fields -Surname - Response format: text entry; Required: mandatory; Field type: characters; Action:

save response / carry data - CIF 3.11.5First Name - Response format: text entry; Required: mandatory; Field type: characters; Action:

save response / carry data - CIF 3.11.8Unit/Street - Response format: text entry; Required: mandatory if Postal Rural is not provided/

optional if Postal/Rural is provided; Field type: characters; Action: save response / carry data - CIF 3.11.21 Postal/Rural - Response format: text entry; Required: mandatory/optional; Field type: characters;

Action: save response / carry data - CIF 3.11.22. Either Unit/Street or Postal/Rural are required.City/Town - Response format: text entry; Required: mandatory; Field type: characters; Action:

save response / carry data - CIF 3.11.23Province/State - Response format: textbox; Required: mandatory; Field type: characters; Action:

save response / carry data - CIF 3.11.24Postal Code/Zip Code - Response format: text entry; Required: mandatory; Field type:

alphanumeric; Action: save response / carry data - CIF 3.11.3Country - Response format: choose from list (see Appendix B); Required: mandatory; Field type:

characters; Action: save response / carry data - CIF 3.11.26. Default country to CanadaOccupation - Response format: text entry; Required: mandatory; Field type: characters; Action:

save response / carry data -Relationship to person opening account - Response format: text entry; Required: mandatory; Field

length: 1-100 char; Field type: characters; Action: save response / carry data

LinksBack - link to 1.0Exit - Confirmation to Exit 16.0Continue - link to 2.0

ErrorsUser cannot proceed if all mandatory fields are not completed. They must cancel application.

1. Condition: User cannot proceed if all mandatory fields are not completed. Refer to global requirements.

2. Message: The customer has indicated that this account will be used by someone else.Where this message occurs: In-line message on ID 1.1

9.1

9.2

9.3

9.4

9.5

9.6

9.7

9.8

9.11

9.12

10.110.210.3

1.4b



Title: ID:Filename:


? Help 1.4b

Customer Identification - Joint2.0

TipsRecord Customer Identification

{messages}

2.

Secondary Account Holder

1.

Primary Account Holder

Enter details and select "Continue"

ContinueExitBack

Enter ID Number

Description

Province / State

Country of Issuance Canada

Where possible, use the Convenience Card or CIBC VISA/Entourage card as the first ID type. It will then directly link to the customer record.

If another FI Credit Card is presented, consider cross-selling a CIBC Credit Card.

Customer benefits (e.g., senior, staff, youth) are linked to the Primary Account Holder, so ensure each customer is in the right order on the screen.

A credit check will be performed on the Primary Account Holder only.

Select ID Type CIBC Convenience CardEnter ID Number

Description

Province / State


Select ID Type

Enter ID Number

Description

Province / State


Select ID Type CIBC Convenience Card

Enter ID Number

Description

Province / State


Select ID Type

9.1

9.2

9.3

9.4

9.5

9.6

10.1 10.2 10.3

9.7

Business Requirements If Convenience Card or CIBC credit card is used as ID then no other additional ID is required.

Otherwise two pieces of ID are mandatory.

Functional RequirementsProvide ability to store the information used to identify the customer up to a maximum of two

pieces of ID. Two different pieces of valid ID are required when a valid convenience card is not used as the first piece of ID.

Country defaults to Canada. If a Convenience Card or a CIBC credit card is used only one type of ID is required. ID taken must be time stamped, stored and retrievable upon "Continue".Customer must use two different types of ID. For card status, reference Appendix 5.12, 5.13, and 5.14

All identification captured is to be printed to PASA.If CC is used as identifier and message attached to card is lost/stolen, canceled or delinquent

the process halts and the operator is unable to continue. If CC is used as identifier and if the status is warm or dormant, provide an inline message and

allow the process to continue. System must have ability to add delete update ID types.

Forms ID Type - Response format: choose from list: CIBC Convenience Card, Canadian Driver's

License, Canadian Citizenship Card, Canadian Passport, Canadian Residency Card, CIBC Credit Card, First Nations Status Certificate, Major ATM Card, Major Credit Card, Old Age Security Card, Provincial Health Card, Social Insurance Number Card, Birth Certificate - youth only, Library Card - youth only, ; Required: mandatory; Field length: 1-100 char.; Field type: characters; Action save response / carry data. Requirements 3.6.4

Enter ID Number (ID 1 / Customer 1)Response format: text entry; Required: mandatory; Field Length: 1-100 char.Field Type: alpha numeric (validation not required)Action: save response and carry data

Country of Issuance - Response format: choose from list (see Appendix B); Required: mandatory for ID #1 if Province/State provided; Field length: 1-100 char; Field type: characters; Action: save response / carry data. Default to Canada

Province/State - Response format: text entry; Required: mandatory for ID #1; Field length: 1-100 char; Field type: characters; Action: save response / carry data. Defaults to branch province

ID Description (ID 1 / Customer 1)Response format: text entry; Required: optional if a CC was used. Required: optional; Field Length: 1-100 char. Field Type: alpha numeric (validation not required) Action: save response and carry data

ID type 2 for customer 1 - mandatory if first ID is not equal to cc or credit card. Same field requirements as item 9.1 but CIBC Convenience Card is not an option in ID dropdown, dropdown will also include Foreign Passport, Employee Identity Card, Personal References. All fields for this ID are optional if a CC is provided otherwise fields are mandatory with description field as optional. Same identification cannot be used as field 1. This will generate an error

Requirements the same for Primary above.

9.1

9.4

9.5

9.6

9.2

9.3

9.7

1.4

1.4

1.4b

1.4b



LinksBack - to Account Purpose 1.0Exit - Confirmation to Exit 16.0Continue - if appropriate ID number for a convenience card or CIBC VISA is entered go

directly to corresponding CIF Profile 5.0. If identification is not a Convenience Card or CIBC VISA entered go to Search 3.0

Error1. Condition: If a CIBC Convenience Card is not used as the first piece of IDMessage: If a CIBC Convenience Card is not used as the first piece of ID, then you must enter a second form of Identification for this customer.Where this occurs: In-line message on this page

2. Condition: System check fails to find the CIBC Convenience CardMessage: The card number you entered does not appear in the database. Please check the number and try again.Where this occurs: In-line message on this page

3. Condition: If the second piece of ID is the same as the first.Message: The second piece of ID cannot be identical to the first piece of ID provided by the customer.Where this occurs: In-line message on this page

4. Condition: If the CC or credit card number entered has a message on the card. Card status messages reference Appendix 5.12, 5.13, and 5.14 in the Detailed Requirements DocumentMessage: The card used for identification has been reported {lost/stolen, canceled, delinquent} You will not be able to continue this processWhere this occurs: In-line message on this page

5. Condition: Iff the CC or credit card number entered has a message on the card of Dormant or WarmMessage: Please proceed with caution. Where this occurs: In-line message on this page

1.4

1.4

10.110.210.31.4

1.4b



Title: ID:Filename:


? Help 1.4b

Customer Search3.0

Customer Search -- {Primary/Secondary} Account Holder

Functional NotesIf CIBC card is used as form of identification ability to pass number to complete the customer search

and retrieve customer record automatically.Graphical treatment should emphasize the fact users can only search by one of the listed criteria i.e.

Convenience Card or Last name and first name, etc.Title changes to "Customer Search - Secondary Account Holder {insert primary first name last name}

Primary" when the Secondary customer is searched. Search is executed for Secondary, if necessary after CIF creation/edit for Primary. See Joint flow.

Support existing CIF search capabilities to retrieve and display the appropriate customer record.If search by convenience card then ability to pass through and display customer record automaticallyStore results of search (either customer record is found or not)To search by SIN consent must be "yes".If card is used go directly to profileIf user selects a radio button or starts entering in one search field all other fields are grayed out. First Name, Last Name, Address, Date of Birth, SIN are fields that are displayed in search results.

{messages}

Select ONE of the six following search options using the radio buttons below.

Tips

When searching by name, you can enter the full last name and the first initial of the first name.

Caution: When searching with a supplementary Credit Card, your search results will display the Primary Account Holder only.

Once you find the Primary Account Holder's record, you will be prompted to search for the secondary account holder.

ContinueClear

Social Insurance Number

Postal Code

Home Telephone Number

( )

Surname and

Back

Account Number

Surname First Nameand

Transit Number

Card Number(CIBC Convenience Card or Credit Card)

Account Type Deposit Accounts

Exit

9.1

9.2

9.39.4

9.5

9.69.7

9.8

9.9

10.1 10.2 10.3 10.4

and

FormsCard Number - CIF component: 3.8.6 Home Telephone Number- 10 char, CIF component: 3.8.8Transit Number - CIF component: 3.8.1Account Number - CIF component: 3.8.1Account Type - Response format: choose from list; see CIF component 1.2 Appendix F Deposit

Accounts (default) - Values: Deposit Accounts, Mutual Fund, Investor Services Inc., Retirement Income Fund, Canada Student Loans, Mortgage, Loan Accounting, CIBC Trust, Investment Products, RSP, Safety Deposit Box, Business/Farm Loans, Treasury Bills, Convenience Card, VISA, Other Card (e.g. Amex), Letter of Credit

Surname - CIF component: 3.8.10Postal Code - CIF component: 3.8.9First Name - CIF component 3.11.6SIN - CIF component: 3.8.11

LinksBack - link to Customer Information 2.0Clear -clears all textboxes on the screenExit - link to confirmation screen 16.0Continue - links to Search Results Screen 3.1

Errors1. Condition: If no search criteria is input and search is executedMessage: No search parameters entered; no search results found. Where this message occurs: In-line message on 3.02. Condition: Display message if no records foundMessage: No results were found for your search. Please try again. Where this message is found: In-line message on 3.03. Errors returned from CIF are displayed at the top of the page.

9.19.29.39.49.5

9.69.79.89.9

10.110.210.310.4

1.4

1.4

1.4b Do not use the SIN to search unless the customer is offering to provide it for that purpose.



Title: ID:Filename:


? Help 1.4b

Customer Search Results3.1

Search Results for {Primary} Account Holder

Surname: {Smith} and First name: {J}

(messages)

Search by Surname, First Name for all customers before creating a new record

Smith 546 Victoria Dr., Calgary, Alberta Jan. 12, 1961

Smith 34 Main St.Bolton, Ontario

Jan. 12, 1961

Smith 5465 Great Scott.Toronto, Ontario Jan. 12, 1961

Smith 546 Victoria Dr.Calgary, Alberta

Jan. 12, 1961

Smith 45 Simcoe StToronto, Ontario

Jan. 12, 1961Smith 45 Simcoe StToronto, Ontario

Jan. 12, 1961Smith 4 Wellington St.

Toronto, Ontario Jan. 12, 1961

Surname | Address | Date of Birth |

Previous Page | Next Page

Smith 34 Main St. Suite 310PO BOX 123Bolton, OntarioH0H 0H0

Jan. 12, 1961Smith 45 Simcoe St

Toronto, Ontario Jan. 12, 1961Smith 4 Wellington St.

Toronto, Ontario

Jan. 12, 1961

Search Again

ContinueBack

First Name |

Jai T.

John

Jai R.

Jai

Jai

Jay L.

Jay

John

Jay B.

Jay

Create Customer

Previous Page | Next Page

SIN

123 456 789

123 456 789

123 456 789

123 456 789

SIN on file

123 456 789

SIN on file

Exit

10.1 10.210.3 10.4

10.610.5 10.7

Functional NotesTitle changes to "Search Results for Secondary Account Holder", {insert Primary first name last

name}, PrimaryMore than one user (customer or employee) must be able to access a customer record at a time.

Ability to return and display a a minimum of 10 and maximum of 25 customer records per page. Notes: Final number of results displayed is dependent on screen real-estate along with the User

Experience design guideline and current CIF technology

User selects item by clicking. One click highlights the item while a double click selects the item.The first item on the screen is automatically selected.User can re-execute search by selecting search again.Search must be visually distinguished from rest of screen. User should understand that this is the

search string that they input on previous screen.Search criteria is dynamically presented to reflect search string. Supervisor override may appear based on supervisor override matrix Requirements Appendix 5.2.

This will appear once continue is selected.

Fields Surname - from CIF 4.3.2 and in REQ 3.10.1 First name - from CIF 4.3.3 and in REQ 3.10.1, middle initial is appended if available. Address - from CIF 4.3.7 and in REQ 3.10.1 Date of Birth - from CIF 4.3.8 and in REQ 3.10.1 and formatted to CBFE SIN - as received by CIF requirements appendix A

LinksSearch Again- executes new search and link to Search 3.0 - when the user returns to 3.0 all fields

are blank (as opposed to using the "Back" button which keeps search criteria entered)Create Customer - links to Create Customer Information 4.0. Only enable link if operator has

searched by Surname and First Name. Gray out and disable button in all other cases.Previous Page - Only enabled after second page is selected.Next Page - Only enabled when a next page is available. Back - takes user to previous search screen ID 3.0, search results remain populated if usedExit - Confirmation to Exit 16.1Continue - Continue goes to 5.0 with selected customer CIF profile displayed Or, when user double

clicks customer from results list

10.1

10.2

10.310.410.510.610.7

9.19.29.39.49.5

9.1 9.2 9.3 9.4 9.5

1.4

1.4

1.4

1.4

1.4b

1.4c



Title: ID:Filename:


? Help 1.4b

Functional NotesIf joint account holder is a Youth, user receives a message stating that the account cannot be a

Youth account unless the primary holder is the Youth. User will be given the option to switch primary and joint Account Holders.

Tabs run vertically from Personal Information, Home Address & Contact information, Residency Information, Income Information and then CIBC Details

All fields should be graphically/visually alignedCustomer segment default is retail.Temporary residency is allowed, e.g., hotel addressDate of Birth must be submitted or refused to provide selected. DOB is used for determining the

eligibility of a customer for Seniors and Youth benefits. Populate the customer type at the account level.Information gathered in the following fields will not be stored in CIF until such fields are created.

In interim, this data will be stored at the BAO database level: Check CIF document (4.2) to verify if Supervisor or Operator Overrides are required for

continuing the process.Home address validation.Account Type: Criteria for Account to be Joint If youth is <16 years of age, account must be

joint with parent or legal guardian.Page is timestamped upon "Continue"

FormsTitle - CIF component 3.11.11Suffix - CIF component: 3.11.13Surname - CIF component: 3.11.5- Prepopulated from search screen and non-editableFirst Name- CIF component 3.11.6- Prepopulated from search screen and editableMiddle Name - CIF component 3.11.7Known As - CIF component 3.11.7bPrevious Surname - CIF component 3.11.8Sex - Drop down list - M, F. CIF component: 3.11.12Language - Drop down list - values: E, F; CIF component: 3.11.14 This field drives language

that forms are printed in.Date of Birth - Response format: text entry (MMM. DD, YYYY); CIF component: 3.11.15

Determines benefits for Youth and SeniorRefused to provide - checkbox - mandatory if DOB fields are not populated if selected, provide

message stating account cannot be opened - as per government regulations. Do not allow user to continue

Home Address Moved in Date - Response format: text entry (MMM. DD. YYYY); CIF component: 3.11.17.

SIN - CIF component: 3.11.9 If SIN is not provided then form does not need to be printed. Refused to Provide For Tax Purposes - Checkbox -CIF component: 3.11.9b

Occupation - Response format: text entry; Required: mandatory; Field length: 1-100 char; Field type: characters/alphanumeric/numeric; Action: save response / carry data. If refused to provide then provide message saying that account cannot be opened. If existing customer then advise that existing accounts will remain as is but new account cannot be opened.

Refused to provide - checkbox. Mandatory if previous item is not populatedPersonal Gross Monthly Income - Response format: text entry; Required: optional (required

unless Refused to provide is checked); Field length: 1-100 char; Field type: numeric; Action: save response, storage to be determined. Cannot use ranges. If no income captured provide message advising that this may impact customer's ability to obtain COPS

Refused to Provide - Checkbox - Required if Personal Gross Monthly Income is not populated

Create Customer Information4.0

Customer Details - Primary Account holderComplete new customer details and select "Continue". Please ensure that all information is accurate before proceeding. TipsTips

When confirming customer information, listen for mortgage and investment opportunities.

Statements and cheques will be mailed to the Primary Account Holder's home address.

Once a customer record is created for the Primary Account Holder, you will be prompted to search for the secondary account holder.

ContinueBack Exit

Surname

First Name

Middle Name

Known As

Home Address Moved-In Date

Previous Surname


Title

Sex

Suffix

Language

Unit/Street

Postal/Rural

City/Town

Province/State

Postal Code/Zip Code

Country

Post Number

Aboriginal Customer

Customer Type

Account Manager

Date of Birth

Canada

0

Property Name

Personal Information Home Address and Contact Information

CIBC Details

Income Information

StudentNumber of Months

9.1

9.2

9.3

9.4

9.5

9.6

9.7

9.8 9.9

9.12

9.21

9.229.23

9.24

9.25

9.26

9.20

9.41

9.359.36

9.37

9.39

9.40

10.1 10.2 10.3

Refused to provide for tax purposes 9.12.5

Refused to provide 9.10.5

9.119.10

Home Phone

Business Phone

( )

Ext.)(

E-mailNone

9.30

9.319.329.339.34

Occupation

$Personal Gross Monthly Income

Source of Income

Contact for Source of Income/Employer

Refused to provide

The following fields are used to assess overdraft protection limits.

9.15

9.16

9.17

9.18

9.19

Refused to provide 9.15b

Other Province/State 9.27

Residency InformationCountry of Residence

Province of Residence

9.42

9.43

9.19.29.39.49.59.69.79.89.9

9.10

9.11

9.129.12.5

9.10.5

1.4

1.4

9.15

9.15b9.16

9.17

1.4b

1.4b

1.4b

(messages)

1.4b


CIBC Wireframe - Joint & Youth Flow2. Condition: Duplicate SIN foundMessage: Duplicate SIN Found on file. Supervisor override is required to proceed.Where message is to occur: Supervisor Override

3. Condition: Customer refuses to provide Occupation.Message: We are sorry. The customer cannot open an account at this time. All customers must provide their Occupation to open a new account. If this is an existing customer then the existing accounts will remain as is but a new account cannot be opened without the occupation.Where message is to occur: In-line message on 4.0

4. Message: The account cannot be a Youth account unless the primary holder is the Youth. You may switch Primary Account Holders so that the Primary is the youth. Otherwise this account will not be a Youth account. To qualify for a CIBC Youth account, the Primary Account Holder must be younger than {dynamic age based on province} years of age.Condition: Switch Primary ID 17.0 Popup message.

5. Youth Account - Message: The applicant is younger than {age of majority for province} years of age. It is required that the you fill out Form 5377, "Indemnity by Parent or Legal Guardian," with the customer.Condition: Print form for all applicants less than age of majority (based on province). The Indemnity Form is printed for all youth accounts; but for youth > 16 years, it is at branch discretion whether they have parent sign it or not (if not branch is responsible if the account is missed)

Source of income - Response format: dropdown - Full-Time, Part-Time; Self-Employed, Pension/Investment Income, Disability Income, Other Required: optional; Field length: 1-100 char; Field type: alphanumeric; Action: save response / carry data CIF component 3.11.41b. Mandatory if completed 9.16 Personal Gross Monthly Income

Contact for source of income - Response format: text entry; Required: optional; Field length: 1-100 char; Field type: alphanumeric; Action: save response / storage TBD

Unit/Street - CIF component: 3.11.21Postal/Rural - CIF component: 3.11.22Property Name- CIF component: 3.11.20City/Town - CIF component: 3.11.23Province/State - Response format: choose from list: Alberta, British Columbia, Manitoba, New Brunswick,

Newfoundland, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Yukon, Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming; CIF component: 3.11.24

Postal Code / Zip Code Description - CIF component: 3.11.3Country- CIF component 3.11.26 If country selected other than Canada then display 4.0.0.1 as next screen. If

province/state is selected cannot populate Other Province/State fieldOther Province/State - mandatory if nothing input for Prov/state CIF component: 3.11.25Home Phone - CIF component: 3.11.28Business Phone - CIF component: 3.11.29Extension - CIF component: 3.11.30E-mail - CIF component: 3.11.27None - checkboxAccount Manager - CIF component: 3.11.36Post Number- CIF component: 3.11.37Aboriginal Customer- Yes/No CIF component: 3.11.34Customer Type- CIF component: 3.11.35. Identify staff based on existing CIF. Personal Customer, Staff

Student - Response format: Choose from list: yes, no; Required: optional; Field length: 1-100 char; Field type: character; Action: save response / carry data. Student information populates type of customer when creating account

Number of Months - Response format:choose from dropdown list: 1-12 Months; Required: optional (mandatory if operator has input data for student type); Action: save response / carry data

Country of Residence - CIF component: 3.11.26. If 9.24 and 9.26 are Canadian information then this defaults to same information when operator selects "continue". If country of residence is not Canada then 9.43 should not be populated

Province of Residence - CIF component 3.11.25b. Same Canadian requirements as 9.42. Drop down of Canadian provinces only.

LinksBack - to previous screen in processExit - Confirmation to Exit 16.0Continue - link to Credit Check 4.1 Verify Address or 4.2 Residency Information or 4.3 SIN Consent or

Process Secondary applicant ID in the flow .

Errors1. Condition: Customer refuses to provide DOBMessage: We are sorry. The customer cannot open an account at this time. All customers must provide their Date of Birth to open a new account. If this is an existing customer then the existing accounts will remain as is but a new account cannot be opened without the Date of Birth.Where message is to occur: In-line message on 4.0Note: For existing customer advise that the existing accounts will remain as is but a new account cannot be opened without this information. Allow operator to add DOB if customer changes mind and provides information

9.219.229.239.24

9.25

9.279.309.319.32

9.18

9.19

9.20

9.41

9.339.349.359.369.379.39

9.40

9.42

9.26

9.43

1.4

1.4

1.4

1.4b

10.110.210.3

SIN Value

BlankNumeric 9 digitNumeric 9 digit

Numeric 9 digit

Numeric 9 digit

Numeric 9 digitBlank

Blank

SIN Indicator

1 = no SIN2 = SIN is MOD103 = SIN not MOD 10

2

3

2 or 3 4=SIN not allowedex. 999999999 or 1111111115 = SIN refusedex. 999999998

Consent value

BlankBlankBlank

Yes

Yes

NoBlank

Blank

Displayed in SIN field

SIN not on fileSIN on fileSIN on file

Numeric value in format XXX-XXX-XXXHighlighted Numeric value in format XXX-XXX-XXXSIN on fileSIN not on file

SIN refused

Action

Do not request consentRequest consent1. If SIN entered for the first time, some non-MOD 10 can be valid. Highlight the SIN and request operator to verify that SIN is correct. If correct then to provide an operator override2. If SIN is already on file do not request an override.3. Request consentDo not request consent

Do not request consent

Do not request consentDo not request consent

Do not request consent

SIN Display Rules

1.4b



Title: ID:Filename:


? Help 1.4b

{messages}

ContinueBack Exit

To verify that there are no entry errors, CIBC compares the address entered to those stored in Canada Post's Address Verification database. Select the address that the customer would like to have processed.

Customer Details - Primary Account Holder {First Name Surname}

Verify Address

Choose one address

Entered Address Suggested Address

10.1 10.2 10.3

Street Name/Number 5465 Great Scott Dr.City/Town TorontoProvince ONPostal Code L8S 2P6Country Canada

Street Name/Number 5465 Great Scott Dr.City/Town TorontoProvince ONPostal Code M8S 2P6Country Canada

9.1

Functional NotesThis page displays the outcome when the system checks the entered address against the Canada Post address look-up and there is a discrepancy between the address and postal code. The two addresses will be displayed and the user can select the one that they want to submit or they can go back and edit the address or they can go back and edit the address.

CIF Appendix D - BAO Data descriptions for CIF components provides validation standards for address

FormsRadio buttons, Default: no default, Required: mandatory

ButtonsBack - Create Customer Information 4.0Exit - Confirmation to Exit 16.1Continue - forward to Credit Check Authorization 6.0 if customer refuses to provide SIN on 4.0

- if customer provides SIN on 4.0 then forward to 4.0.2 SIN Consent Details- if foreign resident forward to 4.2 Residency Information

9.1

10.110.210.3

Verify Address Primary4.1

1.4



Title: ID:Filename:


? Help 1.4b

Residency Information for Primary Account Holder {First Name Surname}

Non-Resident Tax Type

If Tax Exempt, choose

Foreign Social SecurityNumber

9.4

9.3

ContinueBack Exit10.1 10.2 103

Residency Information - Primary4.2 Same as (5.2)

Functional Requirements

Screen only appears if a country of residence is other than Canada in Create Customer screen.

In case of joint accounts where one of the account holders is a non resident and other(s) are resident, default customer (residency) category as non-resident (i.e. default residency code to non-resident and treat the account as non-resident account).Note: This is true regardless of whether the account holder in question is the primary or secondary.

FormsCountry of residence CIF component: 3.11.25 - Prepopulated and non editable

Non-resident tax type - Response format: choose from list : Standard, Tax exempt, Reduced rate; CIF component: 3.11.25b Mandatory only for those who populate Foreign information field. Non Resident tax type defaults to standard. Tax rate is generated by system but is keyed in if tax type is reduced or preferred

If tax exempt - Response format: radio buttons, choose from list-Exemption certificate - Canada Customs and Revenue Agency, Exemption letter - Article XXI, Exemption letter - other ; CIF component: 3.11.25b

If other please describe - textbox - CIF component - CIF component TBDForeign Social Security Number is editable - Required: optional CIF component

TBDWithholding Tax Rate - Defaults to "Standard" Tax rate is generated by system

but is keyed in if tax type is reduced or preferred. Links

Back - to ID 4.0 Create CustomerExit - to exit confirmation screen ID 16.1Continue - forward to Credit Check Authorization 6.0 if customer refuses to

provide SIN on 4.0- if customer provides SIN on 4.0 then forward to 4.0.2 SIN Consent

Details

Country of Residence 9.1

Standard

Tips

9.5

9.3

9.1

10.110.2103

China

If Other, please describe 9.5

9.4

Exemption Certificate - Canada Customs and Revenue Agency

Exemption Letter - Article XXIExemption Letter - Other

9.6

9.6

9.7Withholding Tax Rate {Standard}

9.7

1.4

1.4

1.4

1.4

{messages}

1.4b

1.4b

1.4b



Title: ID:Filename:


? Help 1.4b

SIN Consent Details - Primary4.3

Tips

Functional Notes

FormsAgrees - Response format: radio button; Required: optional; Action: save response / carry dataDisagrees - Response format: radio button; Required: optional; Action: save response / carry

dataCustomer Defers Consent - - Response format: radio button; Required: optional; Action: save

response / carry data. Do not print SIN consent form if this option is selected.

ButtonsBack - to ID 4.0 Create CustomerExit - to exit confirmation screen ID 16.1Continue - if customer agrees to provide consent trigger ID 4.2 SIN Consent

Acknowledgement and forward to ID 6.0 Credit Check authorization- if customer refuses to provide consent forward to ID 6.0 Credit Check authorization

9.1

{Message}

ContinueBack Exit

Customer agrees to provide consent.Customer refuses to provide consent.

9.1

10.1 10.2 10.3

SIN Consent Details for Primary Account Holder {First Name and Surname}

A customer's written consent must be obtained to use the SIN for purposes other than Income Tax. The customer signs the following acknowledgment:

"Please use my Social Insurance Number to quickly and easily locate and consolidate information about me and my products and services, and to verify my identity."

10.110.21039.2

9.2

Customer defers consent. 9.3

9.3

1.4

1.4

1.4



Title: ID:Filename:

SIN Consent Acknowledgment Printable - Primary4.4

SIN Consent Acknowledgment


From: {Title} {First name} {Middle name} {Surname}


" Je vous autorise à utiliser mon numéro d'assurance sociale pour repérer et consolider rapidement et facilement les renseignements à mon sujet ainsi que sur les produits et services que j'utilise, et pour vérifier mon identité. "

Customer Signature

{Date}

9.1 9.2 9.3 9.4

Technical RequirementsFields that were captured in the Account Holder CIF (for Primary Account holder) are to be

dynamically pre-populated here:1. Title2. First Name3. Middle Name4. Surname5. Date (current date time-stamped in MMM/DD/YYYY format)

Fields - these are dynamically populated, not editableTitle -Display only First Name-Display onlyMiddle Name - Display onlySurname -Display only

Content page will be bilingual as per Appendix E in CIF components

9.19.29.39.4

1.4b



Title: ID:Filename:


? Help 1.4b

Complete new customer details and select "Continue". Please ensure that all information is accurate before proceeding.

Create Customer Information - Secondary Account Holder {First Name Surname} Same Home Address

as Primary

Create Customer Information - Secondary4.0b

Functional Notes

Eligibility for account benefits (youth, senior, staff, student) is based upon the Primary Account Holder. User will be taken to ID 17.0 switch primary/joint popup option to switch primary and joint customers.

Remaining requirements, and messages, same as for Primary CIF.

LinksSame Home Address as Primary - prepopulates address fields 9.20 - 9.26 with

identical information as Primary Account Holder

MessagesPrashant to provide messages such as:

i. You have successfully selected the Primary customer.ii. You have successfully created the Primary customer profile.



Capture income information for the secondary account holder. In the event that account ownership is switched, this will be used to determine Overdraft limits.

Tips

ContinueBack Exit10.1 10.2 10.3

10.1

10.1

Surname

First Name

Middle Name

Known As

Home Address Moved-In Date

Previous Surname


Title

Sex

Suffix

Language

Unit/Street

Postal/Rural

City/Town

Province/State

Postal Code/Zip Code

Country

Post Number

Aboriginal Customer

Customer Type

Account Manager

Date of Birth

Canada

0

Property Name

Personal Information Home Address and Contact Information

CIBC Details

Income Information

StudentNumber of months

9.1

9.2

9.3

9.4

9.5

9.6

9.7

9.8 9.9

9.12

9.21

9.229.23

9.24

9.25

9.26

9.20

9.41

9.359.36

9.37

9.39

9.40

Refused to provide for tax purposes 9.12.5

Refused to provide 9.10.5

9.119.10

Home Phone

Business Phone

( )

Ext.)(

E-mailNone

9.30

9.319.329.339.34

Occupation


Source of Income


Refused to provide


9.15

9.16

9.17

9.18

9.19

Refused to provide 9.15b

Other Province/State 9.27

Residency InformationCountry of Residence

Province of Residence

9.42

9.43

1.4

{messages}

1.4b



Title: ID:Filename:


? Help 1.4b

{messages}

ContinueBack Exit

To verify that there are no entry errors, CIBC compares the address entered to those stored in Canada Post's Address Verification database. Select the address that the customer would like to have processed.

Customer Details - Secondary Account Holder {First Name Surname}

Verify Address

Choose one address:

Entered Address Suggested Address

10.1 10.2 10.3

Street Name/Number 5465 Great Scott Dr.City/Town North YorkProvince ONPostal Code M8S 2P6Country Canada

Street Name/Number 5465 Great Scott Dr.City/Town TorontoProvince ONPostal Code M8S 2P6Country Canada

9.1

Functional NotesThis page displays the outcome when the system checks the entered address against the Canada Post address look-up and there is a discrepancy between the address and postal code. The two addresses will be displayed and the user can select the one that they want to submit or they can go back and edit the address or they can go back and edit the address.

CIF Appendix D - BAO Data descriptions for CIF components provides validation standards for address

FormsRadio buttons, Default: no default, Required: mandatory

ButtonsBack - Create Customer Information 4.0Exit - Confirmation to Exit 16.1Continue -- forward to Credit Check Authorization 6.0 if customer refuses to provide SIN on 4.0

- if customer provides SIN on 4.0 then forward to 4.0.2 SIN Consent Details- if foreign resident forward to 4.0.1 Residency Information

9.1

10.110.210.3

Verify Address -Secondary4.1b

1.4



Title: ID:Filename:


? Help 1.4b


Residency Information Secondary4.2b


Screen only appears if a country of residence is other than Canada in Create Customer screen.

FormsCountry of residence CIF component: 3.11.25 - Prepopulated and non editable

Non-resident tax type - Response format: choose from list : Standard, Tax exempt, Reduced rate; CIF component: 3.11.25b Mandatory only for those who populate Foreign information field Non Resident tax type defaults to standard. Tax rate is generated by system but is keyed in if tax type is reduced or preferred

If tax exempt - Response format: radio buttons, choose from list-Exemption certificate - Revenue Canada, Exemption letter - Article XXI, Exemption letter - other ; CIF component: 3.11.25b

If other please describe - textbox - CIF component - CIF component TBDForeign Social Security Number is editable - Required: optional CIF component

TBD Wtihholding Tax Rate - defaults to standard. Tax rate is generated by system

but is keyed in if tax type is reduced or preferred. Links

Back - to ID 4.0 Create CustomerExit - to exit confirmation screen ID 16.1Continue - forward to Credit Check Authorization 6.0 if customer refuses to

provide SIN on 4.0- if customer provides SIN on 4.0 then forward to 4.0.2 SIN Consent

Details

Tips

9.5

9.3

9.1

10.110.2103

9.4

9.6

Once a customer record is created for the Primary Account Holder, you will be prompted to search for the secondary account holder.

9.7

Residency Information for Secondary Account Holder {First Name Surname}




9.4

9.3

Country of Residence 9.1China



Exemption Letter - Article XXIExemption Letter - Other

9.6

9.7WIthholding Tax Rate Standard

1.4

1.4

1.4

1.4

{messages}

1.4b



Title: ID:Filename:


? Help 1.4b

SIN Consent Details - Secondary4.3b

Tips

Functional Notes

FormsAgrees - Response format: radio button; Required: optional; Action: save response / carry dataDisagrees - Response format: radio button; Required: optional; Action: save response / carry

dataCustomer Defers Consent - Response format: radio button; Required: optional; Action: save

response / carry data. Do not print SIN consent form if this option is selected.

ButtonsBack - to ID 4.0 Create CustomerExit - to exit confirmation screen ID 16.1Continue - if customer agrees to provide consent trigger ID 4.2 SIN Consent

Acknowledgement and forward to ID 6.0 Credit Check authorization- if customer refuses to provide consent forward to ID 6.0 Credit Check authorization

9.1

{Message}

ContinueBack Exit

Customer agrees to provide consent.Customer refuses to provide consent.

9.1

10.1 10.2 10.3

SIN Consent Details for Secondary Account Holder {First Name and Surname}

A customer's written consent must be obtained to use the SIN for purposes other than Income Tax. The customer signs the following acknowledgment:


10.110.2103

9.2

9.2

1.4 Customer defers consent.

1.4 9.3

1.4

9.3



Title: ID:Filename:

SIN Consent Acknowledgment

Secondary Account Holder

SIN Consent Acknowledgment - Secondary4.4b

From: {Title} {First name} {Middle name} {Surname}


" Je vous autorise à utiliser mon numéro d'assurance sociale pour repérer et consolider rapidement et facilement les renseignements à mon sujet ainsi que sur les produits et services que j'utilise, et pour vérifier mon identité. "

Customer Signature{Date}

9.1 9.2 9.3 9.4

Technical RequirementsFields that were captured in the Account Holder CIF (for Secondary Account holder) are to

be dynamically pre-populated here:1. Title2. First Name3. Middle Name4. Surname5. Date (current date time-stamped in MMM/DD/YYYY format)

Fields - these are dynamically populated, not editableTitle -Display only First Name-Display onlyMiddle Name - Display onlySurname -Display only

Content page will be bilingual as per Appendix E in CIF components

1.4

9.19.29.39.4

1.4b



Title: ID:Filename:


? Help 1.4b

Customer Profile and Deposit Account Summary for {Primary} Account Holder {First Name Surname}

Verify the correct customer profile has been found. If not, use the "Back" button and try again.

Customer Profile and Deposit Account Summary - Primary/Secondary5.0

{messages}

Tips



Capture income information for the Primary Account Holder.

In the event that the Primary Account Holder is switched, this will be used to determine Overdraft limits.

Last Change Transit {00001}Last Change {Mmm DD, YYYY}Established {Mmm DD, YYYY}

Social Insurance Number( )

E-mailNone

Mr. Smith Jr.5465 Great Scott Dr.Toronto ON L8S 2P6

Jai R.

416 555 1000(416 ) 444 2222 3434

[email protected]

Post Number

Date of Birth

Personal Information

Student

Number of Months

Refused to provide for tax purposes

Refused to provide

{Sex displays as "Male" or "Female"}

Ext.

{Segment}

{Customer Type}

Home PhoneBusiness Phone

9.8

9.5

9.9

9.10

Address and Contact Information

Occupation


Source of Income


Refused to provide

Income Information


9.22

9.16 9.15

9.17

9.18

0

9.11

9.4

Refused to provide 9.24

9.12

9.13

Country of Residence Canada 9.6

9.1

9.29.3

9.14

9.19 9.20

9.21

screen continues on next page

Business NotesIf the secondary account holder is a Youth (based on date of birth in CIF) provide an

information message stating that the account will not be Youth unless the first person (Primary holder) is a youth.

The information that the employee is allowed to view or edit is based on the employee's role, level of authority and privacy preference established by the customer.

Eligibility for account benefits (youth, senior, staff, student) is based upon the Primary Account Holder. User will be taken to ID 17.0 switch primary/joint popup option to switch primary and joint customers.

Functional NotesTimestamp is recorded.Product Summary is only displayed if the customer does not have privacy option turned on and

the operator has permissions to view the information.If SIN not captured then Refused to provide is optional, or provide message asking for either

SIN or to check the reused checkbox. See Messages.If Occupation field not completed, then provide same message as for DOB - See messagesSee Appendix 5.2 detailed Requirements to verify if Supervisor or Operator Overrides are

required for continuing the process.Forms

For specific fields lengths/requirements please refer to ID 4.0Name - Title - CIF component 3.11.11 Suffix - CIF component: 3.11.13 Surname - CIF

component: 3.11.5 First Name- CIF component 3.11.6- Prepopulated and non-editable Address -Unit/Street - CIF component: 3.11.21 Postal/Rural - CIF component: 3.11.22 Property Name- CIF component: 3.11.20 City/Town - CIF component: 3.11.23 Province/State - CIF component: 3.11.24 Postal Code / Zip Code Description - CIF component: 3.11.3 Prepopulated and non-editable.

Home Phone - CIF component: 3.11.28 Prepopulated and non-editable.Business Phone - CIF component: 3.11.29 Prepopulated and non-editable. Extension - CIF

component: 3.11.30 Prepopulated and non-editable.Email is editable see CIF 3.11.27None - is editable Checkbox - Required if previous item is not populatedCountry of Residence is editable CIF component: 3.11.25Province of Residence - CIF component 3.11.25b. Same Canadian requirements as 9.42.

Drop down of Canadian provinces only. Occupation is editable - Response format: text entry; Required: mandatory; Field length: 1-

100 char; Field type: characters/alphanumeric/numeric; Action: save response/ carry data. if refused to provide then provide message saying that account cannot be opened. If existing customer then advise that existing accounts will remain as is but new account cannot be opened.

Refused to provide is editable Required if previous item is not populated checkbox, CIF component: 3.11.17.

Personal Gross Monthly Income is editable - Response format: text entry; Required: mandatory; Field length: 1-100 char; Field type: numeric; Action: save response / timestamp / storage to be determined. Cannot use ranges.

Refused to provide is editable - Required if previous item is not populated checkbox, CIF component: 3.11.17.

9.10

9.11

9.29.3

9.1

9.4

9.69.5

9.7

9.8

CIBC Details

Province of Residence Ontario 1.4 9.7

1.4

1.4

1.4

1.4b

1.4b

1.4b

1.4b

9.9



Title: ID:Filename:


? Help 1.4b

Summary of Deposit Accounts


Functional RequirementsIf privacy exists, then the summary portion of the screen does not show and display msg "due to

customer privacy restrictions" and provide a supervisor override to be able to display. Chart is pre-populated. Not editable.For existing customers indicate if there are any messages attached to the CIF, Account record(s),

convenience card(s) or customer VISA card(s). Card Messages PendingIf any derogatory messages exist indicate to the operator and instruct the operator to see supervisor prior

to continuing. Supervisor override will appear before proceeding.If a Closed for Cause message appears either after CIF retrieval or credit check, do not allow account to

be opened.Provide the ability to capture and authenticate overrides generated by these messages, where required,

as per the existing functionality.For Summary of Deposit Accounts see CIF Requirement 3.10.2If card status is canceled dormant, delinquent, lost (lost/stolen) instruct operator to follow current

procedures (e.g. retain card, destroy and consult with a supervisor).If user returns to Customer Profile-ID 5.0 due to "Verify Customer Profile" button pressed on Customer

Profile Not matched at bureau-ID6.0.3 The system will retrieve the customer profile from the host systems to get the most recent data. The operator has the opportunity to update some data. Any applicable overrides will still occur (according to rules from host teams)The system will then display 6.0 (Residency information and SIN Consent will be bypassed)The customer will again be asked if they want a credit cheque performed

Forms

Source of Income is editable - Response format: dropdown - Full-Time, Part-Time; Self-Employed, Pension/investment Income, Disability Income, Other Required: optional; Field length: 1-100 char; Field type: alphanumeric; Action: save response / carry data CIF component 3.11.41b. Mandatory if completed 9.11 Personal Gross Monthly Income

Contact for Source of Income is editable - Response format: text entry; Required: optional; Field length: 1-100 char; Field type: alphanumeric; Action: save response / storage TBD Mandatory if completed 9.12

Sex - Drop down list - Male, Female. CIF component: 3.11.12 Prepopulated and non-editable.Date of Birth is editable, mandatory Response format: text entry (MMM DD YYYY); CIF component:

3.11.15 Determines benefits for Youth and SeniorRefused to provide is editable Checkbox - Required if previous item is not populatedSocial Insurance Number is editable CIF component: 3.11.9 Refused to provide is editable Required if previous item is not populated, checkbox, CIF component:

3.11.17.Post Number- CIF component: 3.11.37 Prepopulated and non-editable.Segment - prepopulated and non-editableCustomer Type - Customer Type- CIF component: 3.11.35. Identify staff based on existing CIF.

Prepopulated and non-editable.Student is editable Response format: Choose from list: yes, no; Required: optional; Field length: 1-100

char; Field type: character; Action: save response / carry data. Student information populates type of customer when creating account

Number of Months is editable Number of Months - Response format:choose from list: 1 Month, 2 Month, .... 12 Months; Required: optional (mandatory if operator has input data for student type);c; Action: save response / carry data

9.13

9.149.15

9.169.179.18

9.199.209.21

9.22

9.23

Customer Profile and Deposit Account Summary Primary5.0 Continued

Product Transit Account Account Name Open Date Maturity Date Balance/Credit Limit

1.4

1.4

1.4b

1.4

1.4

1.4

9.12

1.4b

1.4b

{The customer has chosen not to share this information. To view the Summary of Deposit Accounts, please select "Account Details"}

If the customer has selected privacy, this message will appear with the button "Account Details"

Table is not shown but appears in a popup if "Account Details is

selected"

Account Details 10.4{ }

1.4b



LinksBack - links to Search Results 3.1 or ID 2.0 if this is where user originatedExit- Confirmation to Exit 16.0Continue - to Credit Check Authorization 6.0 or to 5.2 Residency Information only if Country of

Residence is modified or to SIN consent 4.3 if SIN is modified If BC resident go to 6.0.1Appendix References

1.1 Card Status and BAO Action - Business RequirementsMapping of CIF Categories and Product Groupings - Business RequirementsAccount Details - dynamic if customer has selected privacy option, links to account details

popup.

Errors1. Condition: If SIN number does not validate, 1 refer to Sin Component of the CIF dictionary for a matrix of when errors are displayedMessage: The Social Insurance Number you have entered is not valid. Please try again.Where this message occurs: In-line message2. Condition: If Date of Birth or Occupation is not provided or refused to provide is selected, the same message as in 4.0 should appear: Message: We are sorry. The customer cannot open an account at this time. All customers must provide their {Date of Birth/Occupation} to open a new account. If this is an existing customer then the existing accounts will remain as is but a new account cannot be opened without the {Date of Birth/Occupation}.Where this message occurs: In-line message.

Message deleted

10.110.210.3

Customer Profile and Account Summary5.0 Continued

1.4

1.4

1.4b



Title: ID:Filename:


? Help 1.4b


Residency Information Primary/Secondary5.2

Functional RequirementsIn case of joint accounts where one of the account holders is a non resident

and other(s) are resident, default customer (residency) category as non-resident (i.e. default residency code to non-resident and treat the account as non-resident account).Note: This is true regardless of whether the account holder in question is the primary or secondary.

Screen only appears if a country of residence is selected other than Canada.

Forms - require supervisor override ID 14.0Country of residence CIF component: 3.11.25 - Prepopulated and non

editableProvince of residence CIF component: 3.11.25 - textbox editableNon-resident tax type - Response format: choose from list : Standard, Tax

exempt, Reduced rate; CIF component: 3.11.25b Mandatory only for those who populate Foreign information field. Non Resident tax type defaults to standard. Tax rate is generated by system but is keyed in if tax type is reduced or preferred

If tax exempt - Response format: radio buttons, choose from list-Exemption certificate - Revenue Canada, Exemption letter - Article XXI, Exemption letter - other ; CIF component: 3.11.25b

If other please describe - textbox - CIF component - CIF component TBDForeign Social Security Number is editable - CIF component TBDWithholding Tax Rate - textbox,. Tax type defaults to "standard". Tax rate is

generated by system, but is keyed in if tax type is reduced or preferred.

LinksBack - to ID 4.0 Create CustomerExit - to exit confirmation screen ID 16.0Continue - to ID 6.0 Credit Check authorization, if BC resident, go to 6.0.1

Tips

9.2

9.5

9.3

9.1

10.110.2103

9.4

9.6

Residency Information for {Primary} Account Holder {First Name Surname}


Withholding Tax Rate


9.4

9.3

Country of Residence 9.1

Standard

China



Exemption Letter - Article XXI

Exemption Letter - Other

9.6

9.7


Standard

9.7

1.4

1.4b

1.4

1.4

1.4b

{messages}

1.4b



Title: ID:Filename:


? Help 1.4b

Credit Check Authorization6.0 same as single

Primary Account Holder {First Name Surname} and Secondary Account Holder {First Name Surname}

Request Online Credit Bureau Check for Primary Account Holder Remember to tell the customer that the Primary Account Holder's credit bureau information and gross monthly income are required for CIBC Overdraft Protection Service and Credit Card approval and limits.

Remind the customer that their approved limits will be restricted to the minimums if they decline a credit bureau check.

To change the Primary Account Holder, select "Switch Primary".

{messages}

Tips

Switch Primary 10.4

To process the customer's application, we have to get their credit bureau information. Does the customer agree?

ContinueBack

Customer consents to credit bureau check Yes No

Based on this assessment, the system will provide decisions on:Access to deposited fundsFraud Check (Protects customer from unlawful use of account)CIBC Overdraft Protection Service pre-approvalCredit Card pre-approval eligibilityPersonal Line of Credit eligibility

Exit

9.1

10.1 10.2 10.3

Functional RequirementsCredit Bureau is only run against Primary Account Holder. User will have opportunity to

switch Primary Account Holder and joint account holder. If there is no bureau on file (saved at CIBC), or the current version on file (saved at CIBC) is

older than 90 days: the operator is to obtain credit bureau consent, regardless of where the account is domiciled.

Capture and store client consent for credit bureau check. Response format: chose from radio buttons (Yes/NO) , Required: mandatory, Field Length: 1-100 char, Field Type: numeric save response/ carry data

If consent is provided, the operator is to obtain a new credit bureau. If the customer has a credit bureau on file "at CIBC" that is less than 90 days old, advise operator that new bureau is not requiredProvide the opportunity to request a new credit bureau for all customers in B.C. branches if that customer has a bureau on file that is less than 90 days old.

If the bureau is satisfactory, direct the operator to the next step in the process. If the bureau is unsuccessful, provide an operator with the ability to adjust editable fields (date of birth, SIN) in customer record and then get another/new bureau and then continue with the process.

Block COPS under following conditions:-Youth Account / Age of Majority-CIRA, U.S. DISA accounts-Non-resident-Deceased message on CIF-6 Account-level messages-Secondary account holder - only primary customer is scored

1.4

1.4

1.4b



Form Fields -

Capture and store client consent for credit bureau check. Response Format: radio button (Yes/NO) Required: Action: save response/ carry data

Retain timestamp of when credit bureau was created.

LinksBack - returns to Customer Profile 4.0Exit - Confirmation to Exit 16.1Continue - Request authorization for Credit check. If yes to authorize Continue - forwards

to system bureau check, if successful forward to Assign Convenience Card 7.0 if slots are full or if customer requires convenience card. If not successful forward to Decline Letter ID 6.1. If no SIN or DOB match under the conditions in 6.02, 6.03, 6.04, go to those pages respectively as required.If already has convenience card then proceed to Select Account Type 8.0

Switch Primary - ID 17.0 (only available for the first pass through the flow) After first account opening, the Switch Primary buttons are greyed out.

Message1. Message: Customer profile has been created/updated successfully. Condition: If create customer was successful in ID 4.0 or updated successfully in ID 5.0. Where: display as inline message.

2. Message: For youth account benefits, the primary customer must be the youth.Where message occurs: in line message on pageCondition: Youth not the primary customer - as determined by Convenience Card id

3. Message: Customer benefits are linked to the primary customer. For senior account benefits, the primary customer must be the senior.Where message occurs: in line message on pageCondition: Senior not the primary customer - as determined by Convenience Card id

4. Message: Customer benefits are linked to the primary customer. For staff account benefits, the primary customer must be the staff.Where the message occurs: in line message on pageCondition: Staff is not the primary customer -as determined by Convenience Card.

Errors1. Condition: Credit Bureau unavailable. Go to ID 6.0.2

Credit check req's cont'd6.0

Title: ID:Filename:9.1

10.110.210.3

10.4

1.4

1.4b

1.4b

1.4b



Title: ID:Filename:


? Help 1.4b


User selects from a dynamically generated list of account holders from the dropdown. Once "primary" status is assigned, the other should default to "Secondary". Credit check process 5.0 is then repeated for the new Primary.

Page is only applicable in the first pass through the flow. If Secondary Account Holder has benefits superior to primary, this popup

automatically appears after Secondary Account holder is created or selected.

FormsPrimary Account Holder: Select from dynamic list of account holders for

this account: {will be dynamically generated with primary and secondary account holder names - Primary Account Holder as default}; Required: mandatory

Links

CancelContinue - goes to credit check screen ID 6.0

Error:1. Message: For youth account benefits, the primary customer must be the youth.Where message occurs: in line message on pageCondition: Youth not the primary customer - as determined by Convenience Card id

2. Message: Customer benefits are linked to the primary customer. For senior account benefits, the primary customer must be the senior.Where message occurs: in line message on pageCondition: Senior not the primary customer - as determined by Convenience Card id

3. Message: Customer benefits are linked to the primary customer. For staff account benefits, the primary customer must be the staff.Where the message occurs: in line message on pageCondition: Staff is not the primary customer -as determined by Convenience Card.

Remember to disclose to the customer that credit bureau information is required for Access to Funds limits, Overdraft protection and VISA limits

Tips

Switch Primary

Yes No

ContinueCancel

Switch Primary Account Holder

Switch the Primary and Secondary Account Holders for this Account ?

Choose Primary Account Holder and select "Continue"


Switch Primary Account Holder - Popup17.0

10.1

9.1

10.110.2

9.1

10.2

{messages}

1.4b



Title: ID:Filename:


? Help 1.4b

Credit Bureau on File6.0.1

{messages} Functional Requirements

This page is only to be displayed for customer's in BC branches with a credit bureau on file less than 90 days. Based upon operator sign-on/location of branch. Not for other provinces.

FormsExisting Credit Check. Response Format: choose from list (Yes/NO)

Required:mandatory Field Length: 3 charField Type: characters/ alphanumeric/ numeric Action: save response/ carry data

LinksBack - to 6.0 Print and Exit - Confirmation to Exit 16.0Continue - If yes then operator is authorized to use existing check, and

system goes to 6.1 Decline or 7.0 Assign CC 7.0 or 7.0.1 if slots are full or if customer requires. If no SIN or DOB match proceed to 6.03 convenience card. . If no proceed to Credit Check 6.0

Switch Primary - goes to ID 17.0 only available in the first pass through the flow After first account opening, the Switch Primary buttons are greyed out.

9.1

10.110.2

We currently have a credit check on record from {date credit check was run}. Does the customer authorize us to use this one?

Yes No

Primary Account Holder {First Name Surname} and Secondary Account Holder {First Name Surname}

Found Existing Credit Check on File for Primary Account Holder

9.1

Print and ExitBack Continue10.1 10.2 10.310.3

Switch Primary 10.4

10.4

1.4b

1.4b



Title: ID:Filename:


? Help 1.4b

Credit Bureau Down6.0.2

10.110.210.3

Unable to access credit bureau

Our processing system was unable to access the credit bureau at this time. This error is purely technical and does not reflect the customer's credit bureau information.

If the customer chooses to continue with the application, their access to funds will be $100.00 and their ability to get overdraft protection will be limited.

Print and ExitBack Continue10.1 10.2 10.3


Note to inform user that Credit bureau is unavailable.

User may still continue, get minimum access to funds.

Links

Back - to 6.0 Print and Exit - link to cancel confirmation and print 16.0Continue - to 7.0 Assign Convenience Card ID 7.0

If the customer chooses to end the process, encourage them to proceed to the next step to obtain a Convenience Card prior to leaving.

Tips

{messages}



Title: ID:Filename:


? Help 1.4b

Primary Account Holder Profile for {First Name Surname} not matched at Bureau

Please ensure the information on the customer is accurate.

If the error is regarding the SIN, birth date or income information, please select "Verify Customer Profile" to update customer information. Continue through the process and request a second credit bureau check.

It is also possible that the customer does not have a file at the credit bureau.


Credit Bureau Verify Customer Profile6.0.3

Print and ExitBack Continue10.1 10.210.3


System cannot find a match for this customer. Operator back use back button to go back to customer's profile to edit the screen. See Requirements 3.14.10b

3.14.10b SIN/DOB Update required:Provide a message that notifies the operator that the customer's SIN/DOB information may need to be updated and the operator can make that adjustment on the Customer Profile/Update screen or continue with the risk of a less positive bureau.Message Example- Please ensure the information on the customer is accurate. If an error is found with the SIN, birth date, income information please go back in the process, update customer information and request a second credit bureau.Messages:· Use for the following messages received from the Credit bureau - ID #s: 5, 2, Q, 401, 402, 403. Refer to Appendix 5. 7 of detailed requirements.

Links

Back - to 6.0 Print and Exit - Confirmation to Exit 16.0Continue - to Assign Convenience Card ID 7.0 or 7.0.1 or ID 8.0 select account type of a

CC has available slots Verify Customer Profile - user goes to ID 5.0

Errors

The inline message returned will be {message code} and {message} as received from credit bureau.

10.110.210.3

Verify Customer Profile 10.4

10.4

{messages}

Tips

1.4

1.4b

1.4b



Title: ID:Filename:


? Help 1.4b

Primary Account Holder Home Address for {First Name Surname} not matched at Bureau


Please ensure the information on the customer is accurate. You should exit the process and update the customer record through COINS and begin the account open process again.


Print and Exit Continue10.2 10.3

3.14.10c Other CIF Record Update required (i.e. home address/ previous address):Provide a message that notifies the operator that the customer's information may need to be updated and the operator must exit this application to make that adjustment or continue with the risk of a less positive bureau.Message Example - Please ensure the information on the customer is accurate. If an error is found with anything other than SIN, birth date or income please update the customer record through COINS and begin the account open process again.Messages: · Use for the following messages received from the Credit bureau - ID #s: 9, B, C, D, 4, G, E, 105, 106, 201, 202, 203, 204, 301, 302, 304, 305, 306, 501, 502, 504, 505, 506, 02B, 02C, 02D, 046

LinksBack - to 6.0 Print and Exit - Confirmation to Exit 16.0Continue - to Assign Convenience Card ID 7.0 or 7.0.1 or ID 8.0 select account type of a CC

has available slots

ErrorsThe inline message returned will be {message code} and {message} as received from credit bureau.

10.210.3

Back 10.1

10.1

Credit Bureau No Home Address Match6.0.4

{messages}

Tips

1.4

1.4b

1.4b



Title: ID:Filename:


? Help 1.4b

Credit Bureau Decline Letter6.1

Credit Bureau Response for Primary Account Holder {First Name Surname}

Ensure the primary customer receives a copy of this letter.

Tips

Print and Exit 10.1

Thank you for your request to open an account with CIBC. Unfortunately, we are unable to open an account for you today based on details provided in your application and information we received about your file at the credit bureau.

If you want to discuss your file at the credit bureaus, you can contact Equifax and TransUnion at:

Equifax Canada Inc.Consumer Relations DepartmentBox 190 Jean Talon StationAnjou, QuebecH1S 2Z21-800-465-7166www.equifax.ca

TransUnion of Canada(Quebec only)Le Group Echo 1600 boul. Henri-Bourassa ouestBureau 200Montreal, QuebecH3M 3E21-800-363-2809

TransUnion of Canada(all of Canada except Quebec)TransUnion of CanadaP.O. Box 338 LCD1Hamilton, OntarioL8L 7W21-800-663-9980In Hamilton, call (905) 525-0262

We'll be pleased to review your request to open an account if information in your credit bureau file changes.


Operator prints Credit Bureau letter and exits system.

LinksPrint and Exit - Print Dialogue 16.0

Error MessagingAll message below are In-line messages depending on conditions as returned:

1. Warning: Customer History of uncollected overdraft or charges.

2. Warning: Customer history of stolen/forged/worthless/NSF cheques.

3. Warning: Customer history of unacceptable ABM activity.

4. Warning: Customer history of unacceptable deposit activity.

5. Warning: Customer history of supplying false info opening accts.

6: Warning: Social Insurance Number Reported Retired.

Note: These warning messages should not appear on the print version of this page.

10.1

{messages}1.4b

1.4b



Title: ID:Filename:

Credit Bureau Decline Letter - Printable Page6.1.1

Credit Bureau Response for Primary Account Holder {First Name Surname}

Thank you for your request to open an account with CIBC. Unfortunately, we are unable to open an account for you today based on details provided in your application and information we received about your file at the credit bureau.

If you want to discuss your file at the credit bureaus, you can contact Equifax and TransUnion at:

Equifax Canada Inc.Consumer Relations DepartmentBox 190 Jean Talon StationAnjou, QuebecH1S 2Z21-800-465-7166www.equifax.ca

TransUnion of Canada(Quebec only)Le Group Echo 1600 boul. Henri-Bourassa ouestBureau 200Montreal, QuebecH3M 3E21-800-363-2809

TransUnion of Canada(all of Canada except Quebec)TransUnion of CanadaP.O. Box 338 LCD1Hamilton, OntarioL8L 7W21-800-663-9980In Hamilton, call (905) 525-0262

We'll be pleased to review your request to open an account if information in your credit bureau file changes.

1.4b



Title: ID:Filename:


? Help 1.4b

{messages}

Assign Convenience Card7.0


If acceptable bureau response (not declined), provide ability to issue convenience card if no card is on file.

Displays for both new customers and existing customers if card is full or if is not on file. Provide ability to issue a second card for an existing customer who has a convenience card

with all slots full. Refer to Req's Document Appendix 5.14 for list of invalid cards.Customers are unable to request a new VISA card to be issued as their convenience card

during new account open.

FieldsConvenience Card Number Response Format: text entry Required: optional Field Length: 19

char Field Type: numeric Action: save response/ carry data Notes: Maintain current edit checks to validate convenience card number.

Convenience card refused; checkbox; required : optional, mandatory if no CC is entered. Response: checkbox, if checked save response

LinksBack - to Credit Bureau screen 6.0Print and Exit - Confirmation to Exit 16.0Continue - to Select Account Type 8.0

Errors

1. Condition:CC number has been entered incorrectly or can not be found on the system.Message: The card number you entered is invalid. Please try again.Where this message occurs: In-line message on 7.0

2. Condition:If the credit bureau was successful Message: Credit check was successfulWhere this message occurs: In-line message on 7.0

10.210.3

9.1

Assign Convenience Card and select "Continue"

Assign New Convenience Card for {Primary/Secondary} Account Holder {First Name Surname}

New Convenience Card Number

Convenience Card Refused

ContinuePrint and Exit 10.2 10.3

9.1

9.2

9.2

Tips

Back 10.1

10.1

It is CIBC's practice to issue a Convenience Card to all customers opening personal deposit accounts.

Convenience Card issuance to youths is at the discretion of the Branch Manager.

If the CIBC Credit Card is used as a Convenience Card, it cannot be used for Interac® Direct Payments

1.4

1.4b

1.4b

1.4b

1.4b



Title: ID:Filename:


? Help 1.4b

{messages}

Verify Convenience Card7.0.1


If acceptable bureau response (not declined), provide ability to issue convenience card if no card is on file.

Displays for both existing customers who have not used a card as ID and have at least one card on file.

Provide ability to issue a second card for an existing customer who has a convenience card with all slots full. Refer to Req's Document Appendix 5.14 for list of invalid cards.

Customers are unable to request a new VISA card to be issued as their convenience card during new account open.

Provide ability to attach Youth account to parent's Convenience Card (In case of Joint account). Secondary Account Holder's CC's would appear in the list of CC #'s.

FieldsConvenience Card Number Response Format: dropdown of CC #'s, and New Required:

optional Field Length: 19 char Field Type: numeric Action: save response/ carry data Notes: Maintain current edit checks to validate convenience card number. Add VISA card number in a drop down if VISA was used as ID in 2.0 as a convenience card. It can then be used in 7.0.1

Convenience card refused; checkbox; required : optional, mandatory if no CC is entered. Response: checkbox, if checked save response

LinksBack - to Credit Bureau screen 6.0Print and Exit - Confirmation to Exit 16.0Continue - to Select Account Type 8.0, if "New" is selected in dropdown, go to ID 7.0

Errors1. Condition:CC number has been entered incorrectly or can not be found on the system.Message: The card number you entered is invalid. Please try again.Where this message occurs: In-line message on 7.1

2. Condition:If the credit bureau was successful Message: The credit check was successful.Where this message occurs: In-line message on 7.1

10.210.3

9.1

Select existing Convenience Card and select "Continue"

Attach Convenience Card for {Primary/Secondary} Account Holder {First Name Surname}

Convenience Card Number

ContinuePrint and Exit 10.2 10.3

9.1

Tips

Back 10.1

10.1

1.4

1.4

If the Convenience Card was not presented as ID, verify that the customer still has the card.

1.4b

Convenience Card Refused 9.2

9.2

1.4b

1.4b

1.4b

1.4b



Title: ID:Filename:

Release from Indemnity: I will be released automatically from this Indemnity if and when the Minor agrees, as an adult, to be bound by the Agreements, but only regarding the Minor's use of the Account, Channels and Services after he or she agrees to be so bound. I will not be released from this Indemnity for any other reason, including if: Agreements, Channels and/or Services change from time to time; CIBC and the Minor make any arrangement between them with respect to the Minor's liabilities; or CIBC chooses to waive any right it has against the Minor or me.

For residents of Quebec: It is the express wish of the parties that this document and any related documents be drawn up in English. Les parties aux presentes ont expressement demande que ce document et tous les documents sy rattachant soient rediges en anglais.

Indemnity by Parent or Legal Guardian

Parent Guardian

Indemnity by Parent or Legal Guardian (Form 5377)7.1

NOTE: See http://pddocs.horizon.cibc.com/pddocs/forms/7/5377.htm

To: Canadian Imperial Bank of Commerce

Re: {first name surname}(Name of Minor)

Specify whether person giving indemnity is parent or guardian of Minor:By signing below I am asking CIBC to do the following in respect of the person named above (the "Minor"):

(Channel" means chequing, inter-branch banking, and all electronic means of accessing the Account, including bank machines, telephone banking, debit card, online banking and wireless banking. "Service" means any service available to CIBC customers through any Channel from time to time.) In exchange for CIBC allowing this, I agree to indemnify CIBC against (or in other words, I will compensate and reimburse CIBC for) any losses, costs and expenses which CIBC may incur (including CIBC's legal fees), and I will hold CIBC harmless from (or in other words, I will defend CIBC against) any lawsuits or other claims and demands which may be made against CIBC, in connection with the Minor's use or misuse of the Account or any Channel or Service.

To illustrate (but not to limit my obligations under this Indemnity), I will indemnify CIBC and hold it harmless if: 1. the Minor does not comply with the agreement governing the Account or any Channel or Service, as amended or replaced from time to time, (an "Agreement"); 2. any Agreement is declared void or unenforceable against the Minor in whole or in part due to the Minor's age; 3. the Minor does not pay fees or denies liabilities incurred by him/her; 4. the Minor does not keep any secret code/PIN absolutely confidential; 5. the Minor makes improper or careless use of the Email Money Transfer Service; 6. the Minor loses the Account access card, bankbook or other means of accessing the Account and neither the Minor nor I advise CIBC.

I understand that the daily limits on bank machine withdrawals and debit card transactions do not apply to any other Channel or Service (including Email Money Transfers), which have different limits.

Date Witness

If the Minor does not already have a CIBC deposit account (an "Account"), I am asking CIBC to open an Account for the Minor and enable the Minor to use any Channel to access the Account and other Services.

If the Minor already has an Account, I am asking CIBC to enable the Minor to use any Channel to access that Account and other Services.

I authorize CIBC to set-off any or all amounts I may owe CIBC from time to time under this Indemnity against any depositsI may have with CIBC or CIBC Trust Corporation from time to time, without prior notice or demand to me.

I confirm that I have received a copy of this Indemnity and the Agreements governing the Account and the bankmachine/debit card/telephone banking Channels. I understand that Agreements for other Channels and the Servicesare available through the Channels.

Print Name of Indemnitor Signature of Indemnitor Print Indemnitor's Address

Technical RequirementsFields that were captured in the Account Holder CIF (for Primary if Secondary account) are

to be dynamically pre-populated here:1. Name of Minor2. Date.

1.4



Title: ID:Filename:


? Help 1.4b

{ }

Select Account Type8.0

Premium Growth Account and Waive Account are the perfect combination of chequing and savings accounts with free transfers between them.

For product descriptions, select the Account Type. For daily rates information, refer to your daily rates printout.

US Dollar Personal Account holdings will not be covered by the Canada Deposit Insurance Corporation.

Tips

Functional NotesMust provide scalability needed to easily accommodate a new personal account typeText after titles gives brief description of what the account is. Link on account name provides

detailed description of account.Account details are suppressed for Joint flow

FieldsSelect Account:Response Format: choose a radio button from list (see notes section)

Required: mandatory (default to Waive Account) Field Length 1-50 char Field Type: characters Action: save response/ Notes: Dynamically present the customer with accounts for which they are eligible 1. Waive Account 2. Premium Growth 3.Premier Service 4. U.S. Dollar

Current CIBC Products - lists services the customer currently has, display only.Operator can select one radio button per row (choice of 9.2, 9.3, 9.4, ): Values: Wants to

buy, Interested, No. Can only select one item per row including "Has at other FI" drop downHas at other FI: choose from list: TD, Royal, Scotia, BMO, National, Laurentian, Caisse

Populaire, Other. Required: optional; Action: save responseAccount eligibility: display only, system generated. one of: Individual Customer/Senior

Customer/Youth Customer/Staff Customer

LinksWaive Account - detailed description of account - will link to helpPremium Growth - detailed description of account - will link to helpU.S. Dollar Personal Account - detailed description of account - will link to helpPremier Service -only shown if customer qualifies for premier service based on the following:

will link to help

Qualifier:Available to customer if they · already have a GOLD or AEROGOLD Visa (without Lost, Stolen, or Delinquent status) and · do not currently have the PSP and · refer to req. 3.5.3 and 3.5.3b· the applicant is not less than 19 years of age

ORAvailable to customer if they · qualify for GOLD or AEROGOLD Visa with a minimum Beacon score of 680· they pass the Safescan and deposit alert processing as per deposit account· the applicant is not less than the age of majority by province

Notes:· Validate whether or not a customer qualifies for a Premier service account. · If the customer qualifies, display Premier Service as the fourth option in the listing of accounts · If customer qualifies then provide scripting to remind PB to offer PSP complete fulfillment

Back - Assign CC 7.0 or 7.0.1 or 6.0 if they already have a CCPrint and Exit -Confirmation to Exit 16.0Continue - to Account Open 9.0

9.1

10.110.210.310.4

10.510.610.7

9.3

9.4

9.5

9.2

{messages}

Online Banking

Telephone Banking

Pre-Authorized Payment

Direct Deposit

RequestedNot

Currently Required

Current CIBC Services

Expressed Interest

Has at other FI

9.2 9.3 9.4

Primary Account Holder {First Name Surname} and Secondary Account Holder {First Name Surname} Help Us Understand Your Needs

Continue Back Print and Exit10.5 10.6 10.7

US Dollar Personal Account- For customers who regularly receive U.S. dollars or travel frequently to the U.S.

Premier Service Account (All-In-One) - Convenient and flexible way to look after all the customer's banking needs

Waive Account (Chequing) -For your day-to-day banking needs

Premium Growth Account (Savings) - Pays competitive interest rates

{Message re: Account Eligibility}

9.1 10.1

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9.5

Select Account for Primary Account Holder {First Name Surname} and Secondary Account Holder {First Name Surname}

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CIBC Wireframe - Joint & Youth FlowMessages

1. Condition: Based on DOBMessage: You qualify for Senior Services attached to a Waive Account.Where this message occurs: Displayed in Select Account

2. Condition: Based on DOBMessage: You qualify for Youth Services attached to a Premium Growth Account.Where this message occurs: Displayed in Select Account

3. Condition: Customer identified as Staff Customer during CIF creationMessage: You qualify for Staff services attached to a Waive AccountWhere this message occurs: Displayed in Select Account

4. Condition: Customer identified as Student Customer during CIF creationMessage: You qualify for Student services attached to a Waive AccountWhere this message occurs: Displayed in Select Account

5. Condition:If the credit bureau was successful and a CC was not assignedMessage: Credit check was successfulWhere this message occurs: In-line message on 8.0 if skipped 7.0 or 7.0.1

6.Condition: If the CC was attached to the account in 7.0.Message: New card assignment was successful Where this message occurs: In-line message on 8.0

7. Condition: If the CC selection was successful in 7.0.1Message: The card selection was successful.Where this message occurs: In-line message on 8.0

8. Condition: If the CC was not attached to the account in 7.0.Message: New card assignment was refused by customer. Where this message occurs: In-line message on 8.0

1.4b

1.4b

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Title: ID:Filename:


? Help 1.4b

Functional Requirements If youth < 7 years of age, record keeping = passbookIf youth > 7 years of age, record keeping = statement

Youth benefits eligibility = if customer is under 19

Account Open 9.0 - Joint

Short name is auto generated on account creationMust have ability to enter, modify and display post number on account. Automatically assign 0 (zero) if post number is not enteredCustomer is allowed to reduce access to deposited funds based on matrix Access to Deposited Funds - allow for a client to select a $0.00 limitProvide the ability to pre-set a default of $100 limit and message scenario if any of the

following bureau conditions are met:-No Score - no match-No Score - no match-No Score - too new to rate / incomplete-Low Score-Bureau down

Ability to offer record keeping options (i.e. statement, statement with cheques imaged, statement with cheques returned and bankbook) dynamically based on product, customer categories and account type. (See Appendix 5.4-PDA matrix of requirements document with record keeping options by customer categories)

Ability to change the default record keeping option based on Appendix 5.4-PDA matrixAbility to provide special need statement options (i.e Large Print, Braille Level 1 and Braille

Level 2) dynamically based on product, customer categories and account type.Generate fee information for record keeping options based on Appendix 5.4-PDA matrix and

display

Automatically calculate COPS limit for the new account. If eligibility criteria are met, display the COPS offer. If the customer does not qualify for COPS under defined eligibility rules, display message to advise that customer does not qualify for COPS and the reason.

Allow the COPS limit to be lowered on the account if the customer chooses.Refer to Appendix 5.7 and Requirement 3.19.24 for COPS Eligibility RulesAll customers will only have option to mail to account holder home address.

Use fee matrix from Appendix 5.4 of Detailed Requirements to dynamically show fees.

Cheque order - Refer to Appendix 5.16 in Requirements. Private banking customers should receive Imperial Service Cheques

Card Attachment:3.18 outlines CC attachment requirements3.18.13b US $ accounts in the "other" slot.

Tips

Open Account for Primary Account Holder {First Name Surname} and Secondary Account Holder {First Name Surname}

{messages}

Once registered, accounts are accessible through Bank Machines, Telephone Banking and Online Banking 24 hours a day.

Direct Deposit is the most convenient way to deposit a pay cheque or any other regular payment to a CIBC account.

Explain how Access to Deposited Funds affects customer deposits.

If the Customer would like to open an additional account at this time, it will be a much shorter process.

Enter details and select "Continue" to open the account.

Short Name Lorem123456

Record Keeping Option (Statements are mailed to the home address of the Primary Account Holder {First Name Surname}) Fees

Statement Only

Statement with Cheque ImagedStatement with Cheque Returned

Free

{$ 2.50 per month}{$ 3.50 per month}

Bankbook Free

Cheque Ordering Rush Order (additional cost)

Access to Deposited Funds - Hold all funds but 300.00$

CIBC Overdraft Protection Service

Overdraft protection limits are based on the customer's Credit Bureau information, gross monthly income, and existing overdraft on other accounts.

Maximum overdraft protection limit of $ {XXXX} Limit requested by customer (Min $100)Overdraft not required View existing Overdraft Protection for this customer

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Yes No 9.6

Note: Contents of this area are displayed dynamically based on bureau check - see scenarios in Tech notes

10.4

XXXXX$

Special Needs9.3None

Primary Name {Prefix}{First Name}{Surname}{Suffix}

Address 1 {unit/street} or {PO Box}

{city}{province code} {postal}Address 2

Open an Additional Account for Primary Account Holder {First Name Surname} and Secondary Account Holder {First Name Surname}

Would the customer(s) like to open another account? Yes No

ContinueBack Print and Exit

9.11

10.310.210.1

9.12

The following information will be printed on the customer's cheques, and will also be the shipping address.

Post Number 0 9.1

Signatures Required 9.13

Secondary Name {Prefix}{First Name}{Surname}{Suffix} 1.4

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1.4c


CIBC Wireframe - Joint & Youth FlowFields:

Account Post Number: Response Format: automatically generated/ editable field Required: mandatory (default to '0') Field Length 2 char Field Type: numeric Action: save response/carry data Notes: Automatically assign Post #0 on newly opened accounts if post # not entered (see 3.1.5.4)

Auto generate account short name based on Requirements 3.16.4 Response Format automatically generated/ editable field Required (?): mandatory Field Length: 11 char Field Type: characters Action: save response/ carry data

Special Needs Statement options: Response Format: choose from list (see notes below) Required (?): mandatory (set default to none) Field Length:1-50 char Field Type: characters Action: save response/Notes: Example of list: i)None ii)Large Print iii)Braille, Level 1 iv)Braille, Level 2

Record keeping options:Response Format: Response Format: radio button Required (?): optional Action: save response/ carry data Options: Statement Only ·Bank Book ·Statement with Cheques Imaged ·Statement with Cheques Returned. Default to Statement only

Cheque Order:Response Format: choose from list: (Standard/Custom/None) Required (?): mandatory Field Length: 1-3 char Field Type: characters Action: save response/

5) If Custom set reminder for PB at the end of the account open session 6) Send cheque order once PB prints customer forms at the end of the process

Forward fields to Davis & Henderson for cheque order: Address presented is dynamically populated only displays address fields that are required.

1. Primary Name, Secondary name first and last, and suffix and prefix2. Home Address with postal code, Private banking customers should receive Imperial Service Cheques

Standard cheque dropdown is dynamic:Dynamic content for StandardA) For Waive/PGA/USD accounts- retail customers· Standard- Securitone- 150 - Singles - 0133B) For Waive/PGA/USD accounts- Imperial Service customers - NO CHANGE· Standard- Imperial Service- 50 - Singles - 1150C) For PremierService- all customers NO CHANGE

Rush: Response Format: choose from Yes/No Required (?): mandatory Field Type: radio button Action: save response/ carry data. Default to No

Access To Deposited Funds: Drop down; list is prepopulated by system. Number can be lowered but not increased. Matrix: $20,000, $10,000, $5,000, $1,000, $500, $300, $100, 0

Authorized Limit: Response Format: radio button (Pre-populates based on results of credit bureau) Required: mandatory Field Type: numeric Action: save response/ carry data

Limit Requested by Customer: Response Format: text entry (Pre-populates based on results of credit bureau) Required: mandatory Field Length: 1-100 char Field Type: numeric Action: save response/ carry data Notes: Options for operator are:·Limit from credit bureau.

Decrease the limit (Allow option to reduce the pre-populated amount by increments of $100.00 assuming an amount is authorized is given). Where maximum is default from Credit Bureau

Overdraft Not Required: Response Format: radio button Required: optional Action: save response/ carry data Would you like to open another account? Format: radio button Required: optional Action: save response/carry data Open Another Account: Response Format: choose from list (Yes/NO)Required(?): mandatory Field Type: characters Action: save response/ loop back into the processNotes:1) If “Yes” and continue has been pressed - Loop back to “Help Us Understand Your Needs”, 2) When looped back to “Help Us Understand Your Needs” do not ask the customer “Why did you choose this branch” 3) Once all mandatory fields entered system directs operator to a blank Account type and features page 4) Do not set a default Signatures Required - Response Format: choose from list Required : mandatory (set default based on matrix) Field Length:1-50 char Field Type: characters Signing Authority for Joint Accounts: Response Format: choose from list (All to Sign/ Anyone to sign)Required(?): mandatory; Field Length:1-100 char; ; Field Type:characters; Action: save response and timestamp/ carry dataNotes:· Default to ‘Anyone to sign’

9.1

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9.119.12

9.13

1.4

1.4

Scenario # 1 - Maximum Customer COPS Limit is GREATER THAN $100{This scenario is used when the Maximum Customer COPS limit that is greater than $100. It includes the case when the Maximum OD limit for the Account ends up being $0 (zero) after the calculation.}Business rule: B2 cannot be greater than B1 and less than $100

CIBC Overdraft Protection Credit Bureau Status: XXXXXX(table B)XXXXXX

Based on the customer's credit bureau information, gross monthly income and existing overdraft on other accounts, we have authorized the following limit for the new account.

Maximum Overdraft Protection Limit $ XXXXXXLimit Requested by Customer (min $100) Overdraft Not Required

View existing overdraft for this customer

Scenario # 2 - Maximum Customer COPS Limit is EQUAL TO $100(This scenario is used when the Max Customer COPS limit is pre-set to $100 if bureau is down, bureau has no hit/match, bureau is too new to rate, or the bureau score is minimal. It includes the case when the Maximum OD limit for the Account ends up being $0 (zero) after the calculation.}Business rule: B2 cannot be greater than B1 and less than $100

CIBC Overdraft Protection Credit Bureau Status: XXXXXX(table B)XXXXXX

Based on the customer's credit bureau information and existing overdraft on other accounts, we have authorized the following limit for the new account because {there is no hit/match for this customer at the bureau.}{The customer's bureau file is insufficient/too new to rate.}{We are unable to retrieve customer's bureau file.}{The customer has a minimal score for Overdraft Protection.}

Maximum Overdraft Protection Limit $ XXXXXXLimit Requested by Customer (min $100) Overdraft Not Required

View existing overdraft for this customer

Scenario # 3 - Customer or Account is not eligible for COPS. {This scenario is used when the customer or the account is not eligible for overdraft. All of the conditions have been documented in Table C. Business rule:

When the customer or account is ineligible, Maximum COPS limit for the customer is set to zero. Depending on the specific condition of ineligibility, display the corresponding message text.

No radio buttons.

CIBC Overdraft Protection Credit Bureau Status: XXXXX(Table B)XXXXX

XXXXXXXXXXXXXXXXXXX (Message from Table A) XXXXXXXXXXXXXXXXXXXXX

Limit Calculation Refresher:

Maximum COPS limit for the Customer less Total Existing COPS Limit for the primary customer equals

Additional Available COPS limit for the Primary customer

Additional Available COPS limit for the Primary customer plus Existing COPS limit attached to this account

equals Maximum COPS Limit for the Account

B1B2

B3

B1B2



Account Open (Continued From Previous Page)9.0 Continued

Title: ID:Filename:

Table A - List of Messages when Maximum Customer Overdraft Limit is equal to $100 COPS limit

Message # Message Text1. "There is no hit/match for this customer at the bureau"2. "The customer's bureau file is insufficient/too new to rate"3. "The bureau is down, unable to retrieve customer's bureau file"4. "The customer has a minimal score for Overdraft Protection"

Table B - List of Credit Bureau Statuses

-"No Hit or No match" (The bureau does not have a match for the customer)-"No Score/Too New" (Score is too new/thin to rate at Credit bureau)-"Minimal Score" (As per COPS adjudication Matrix, score is 550-610)-"Low Score" (As per COPS adjudication Matrix, score less than 550)-"Score Current at CIBC" (Valid score at CIBC) -"Bureau Unavailable" (Bureau is down)

Table C - List of Messages when Customer or Account is ineligible for Overdraft Protection

"Customer does not qualify for Overdraft Protection. Customer has not reached the age of majority in their province."

Customer does not qualify for Overdraft Protection. Deceased message on CIF.

Deceased Message on CIF

Age of Majority not met

Bureau score <550 Customer does not qualify for Overdraft Protection. Bureau score is considered a "low score".

SafeScan message on file, except A Customer does not qualify for Overdraft Protection. Current bureau message on file from Equifax.

? Where will actual bureau message be displayed to customer? This is aCD&P and RSBL need?

Non Canadian Resident Customer does not qualify for Overdraft Protection. Must be a resident of Canada.

? Only needed if non resident accounts can be opened in BAO

Customer Eligibility

Account Eligibility

Account does not qualify for Overdraft Protection. Account is designated as youth.

Account does not qualify for Overdraft Protection. Check Account messages.

? Only needed if account messages can be put on, prior to this screen in BAO

Card Eligibility

Customer does not qualify for Overdraft Protection. Access card is in Warm status

Customer does not qualify for Overdraft Protection. Access card is in Hot status ? Only needed if Hot cards can open

an account through BAO.

Account MessagesCautionDeceasedNo Entries allowedDeposit Account Only

Youth account

Warm Card - any convenience card(s) attached to the account that is warm or hot status.

Hot Card - any convenience card(s) attached to the account that is warm or hot status

Condition Message Text Further comment

Account does not qualify for Overdraft Protection. Account is designated as US Dollar.

US DISA Account

Credit bureau check bypassed Customer does not qualify for Overdraft Protection. Customer did not give consent for Credit Bureau check.

ErrorSee Table C for detailed content requirements on error messages

ButtonsBack - to Select Account Type ID 8.0Print and Exit - forward to Confirmation to Exit ID 15.0Continue - forwards to eligibility checks (age,other) if successful - forwards to Account Summary and

PCNA ID 10.0 or 1.0 Fraud test if customer would like to open another account. View Existing Overdraft 9.0.1

MessagesCondition: Displays inline when account is opened Message: Account {transit/account numbers} has been

opened successfully. Where this message occurs: In-line message

10.110.210.3

10.4



Title: ID:Filename:


? Help 1.4b

Tips

View Existing Overdraft9.0.1

Lorem123456

FeesFree

{$ 2.50 per month}{$ 3.50 per month}

Free

Post Number 0

Special Needs

Business Address40 Dundas Street West4th floorToronto, OntarioM5J 2C2

No

Close


Primary Customer DetailsCustomer Maximum Overdraft Limit………………………………: $999,999Customer Existing Overdraft Limit: (-)$999,999 (As listed below)

--------Maximum Overdraft Limit for the New Account…….: $999,999

Customer Existing Overdraft Limits

Transit Account Overdraft Limit Transit Account Overdraft Limit 99999 99-99999 $99,999 99999 99-99999 $99,999 99999 99-99999 $99,999 99999 99-99999 $99,999 99999 99-99999 $99,999 99999 99-99999 $99,999 99999 99-99999 $99,999 99999 99-99999 $99,999 99999 99-99999 $99,999 99999 99-99999 $99,999

10.1

This list of account is generated from accounts in the STB application and database. The list contains all accounts belonging to the primary customer as per requirement 3.19.29E

This information is pulled from RSBL.

BUTTONS

Close - Closes window and returns to Account Open 9.010.1

1.4



Title: ID:Filename:

Declaration of Source of Funds (form 5915)9.2NOTE: See Declaration of Source of Funds PDF

Technical RequirementsFields that were captured in the Account Holder CIF (for Primary if Joint account) must be dynamically shown here to

avoid manually entering information.

Fields - all fields are dynamically pre-populated. Not form entry.Transit - Required: mandatory; Field length: 5 char; Field type: characters.Branch - Required: mandatory; Field length: 1-100 char; Field type: characters.Date - MMM. DD, YYYY; Required: mandatory; Field length: 9 char; Field type: alphanumeric.Amount - Required: mandatory; Field length: 1-100 char; Field type: numeric.Currency - Required: mandatory; Field length: 1-100 char; Field type: characters.Type of Transaction - Required: mandatory; Field length: 1-100 char; Field type: characters.Account Number - Required: mandatory; Field length: 20 char; Field type: alphanumeric.Name of Individual or Company - Required: mandatory; Field length: 45 char; Field type: characters. See CIF

component 3.11.7 to 3.11.11Address - Required: mandatory; Field length: two fields, 94 char; Field type: characters. CIF Component 3.11.20 to

3.11.24 &3.11.26Postal Code - Required: mandatory; Field length: 10 char; Field type: alphanumeric.Telephone - Required: optional; Field length: 1-100 char; Field type: numeric.Occupation - Required: mandatory; Field length: 1-100 char; Field type: characters.Driver's Licence no. - Required: optional; Field length: 1-100 char; Field type: characters.Passport no. - ; Required: optional; Field length: 1-100 char; Field type: characters.Date of Birth - (MMM. DD, YYYY); Required: mandatory.Is this transaction being carried out on behalf of a third party? display radio buttons: yes, no Required: mandatory.If yes....? radio buttons: yes, no Required: optional. First Name - Required: mandatory; Field length: 15 char; Field type: characters.Surname - Required: mandatory; Field length: 20 char; Field type: characters.Address - Required: mandatory; Field length: two fields, 94 char; Field type: characters. 3.11.20 to 3.11.24 &3.11.26Postal Code - Required: mandatory; Field length: 10 char; Field type: alphanumeric.Telephone - Required: optional; Field length: 10 char; Field type: numeric. CIF Component 3.10.1Occupation - Required: mandatory; Field length: 1-100 char; Field type: characters.I declare that the source of this currency is - Required: mandatory; Field length: 1-100 char; Field type: characters.

9.19.29.39.49.59.69.79.8

9.9

9.109.119.129.139.149.159.16

9.189.199.209.219.229.239.24

Declaration of Source of Funds - Large Cash Transactions

DateTransit 12345

Postal Code

Third Party Transaction

Branch Westside Oct 10 2002

Amount $12,000 Type of Transaction Lorem ipsum

Currency Canadian Acct No. 234565432

Address 5464 Great Scott Drive

Mr Jai SmithName of Individual or Company

Toronto, Ontario

L8S 2P6

Telephone 146 555 1000( )

Occupation lorem ipsum

Driver's License no.(if used as ID)

abcd1233556123456

Passport no. andCountry of Issue(if used as ID)

12345werty

Date of Birth

Yes NoIs this transaction being carried out on behalf of a third party?

If NO, enter the following third party information:

Postal Code

Address 123 Anytown

Joe

Smith

First Name

Surname

Anywhere

H0H 0H0

Telephone

Occupation/Nature of Business Self Employed

Lorem ipsum I declare that the source of this currency is :

Bank policy requires that we verify the source of funds before accepting transactions. Consent is given to the Bank to disclose this information to law enforcement authorities.

Transaction Taken by Customer's Signature Authorizing Officer

14 1938Jun

Yes No

If yes, do you keep and retain a large cash transaction record under the proceeds of the Crime Money Laundering Act?

Transaction Declined :Customer's refusal to sign form Explanation refused or unreasonable Other

9.1 9.39.2

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555-555-5555



Title: ID:Filename:

Privacy Disclosure10.2

Our Privacy Commitment to You Disclosure Notice

You can choose not to receive direct marketingWe may tell you about products or services through direct mail, telephone, or other means. If you do not wish us to do so, follow the instructions below. This will not limit information which we may send to you with your account statement, or discussions with your service representative/adviser.

You can tell us you don't want us to share information within THE CIBC GROUP Sharing your information enables us to bring suitable products and services of other members of the CIBC group to your attention, such as mutual funds and RRSPs. CIBC will share your information within the CIBC group, unless prohibited by law or you advise us otherwise.

Let us know if you don't want us to use information about you as set out above, by calling 1 800 465-CIBC (2422).

In this notice, "CIBC" and "CIBC group" includes Canadian Imperial Bank of Commerce and its subsidiary companies.

Questions Or Complaints?

Please follow this procedure:

First - call 1 800 465-CIBC (2422).

Problem not resolved? Call the CIBC Customer Care Centre toll-free at 1 800 465-CALL (2255).In the Toronto area, call (416) 980-2255.

FAX: 1 877 861-7801. Toronto Area: (416) 218-9440.

If further discussion is required, contact CIBC's Ombudsman at 1 800 308-6859. In the Torontoarea, call (416) 861-3313. Fax: 1 800 308-6861. Toronto Area: (416) 980-3754.

Should you not be able to accept the conclusion of CIBC's Ombudsman, you can ask how yourcomplaint can be further escalated.

Doing business with a financial institution involves providing information about yourself. At CIBC, you have control over how your information is obtained, used and given out. Your information is kept confidential and your privacy is Protected. This is explained in our brochure, "Your Privacy is Protected". Please pick up this brochure at any branch or office of CIBC. This disclosure notice contains a short summary.

We obtain information about you to:identify you protect us both against error and fraud understand your needs and eligibility for products and services recommend particular products and services to meet your needs provide ongoing service comply with legal requirements

If you are an individual customer:the Income Tax Act requires us to ask for your Social Insurance Number when opening an interest-bearing or investment account we may verify some of the information you give us with your employer or your references health information you have given to CIBC or a CIBC insurance company is not shared within the CIBC group.

You can expect us to protect your privacyYour information and the business you do with us is kept in strict confidence. Only authorized personnel have access to your information. We collect, use and disclose personal information only for purposes that a reasonable person would consider appropriate in the circumstances. We don't sell your information to third parties. Our procedures and systems are designed to protect your information from error, loss and unauthorized access. We keep your information only as long as it is needed. We monitor our compliance with applicable privacy legislation.

We may review and analyze your use of products and services, including transactions in your accounts, to help protect you from unauthorized use of your accounts, to help us serve you better, and to tell you about other products and services. We also collect and analyze information from other sources for the same reasons.

You can give - or withdraw - your consent We need to get your express or implied consent before obtaining or using information about you, or disclosing this information to anyone. (There are exceptions, such as when we are required or permitted by law, or it is necessary for our protection.) You can withdraw this consent whenever you want, unless legal requirements prevent this.

There are some exceptions: to continue to have credit with CIBC, you must allow us to update your credit information. Not allowing us to use information about you may mean we can't provide certain products or services which may be of use to you.

You can review and make corrections to your information You can review your information held by CIBC and make corrections to it. Call us at 1 800 465-CIBC (2422) and we will be pleased to assist you further. We may ask you to put your request in writing. There may be a charge for such a request; if so, we'll advise you beforehand. We'll respond to your request within 30 days. If we need to extend the time, or we have to refuse your request, we'll tell you why, subject to any legal restrictions. If you have a sensory disability, we'll give you access to your information in an alternative format if we have it or if it's reasonable and necessary. .


Triggered by Account Open 9.0

Privacy: Automatically Update the CIF field

Field: “Privacy disclosure notice provided?” Field location: in the privacy panel Action: update CIF when privacy brochure is printed. Indicate YES (Include date/time stamp the activity.)

Notes: If the field currently indicates ‘NO’ change the NO to a YES and include Date/timestamp. If the field currently indicates ‘YES” keep the YES and update the date/timestamp.



Personal Account Agreement

1. BASIC TERMS: In exchange for CIBC opening and operating one or more accounts for me, I agree to be bound by the following terms. I have received the Disclosure Documentation and agree to be bound by its terms as well.This Personal Account Agreement also replaces any account agreement for any account I may already have with CIBC. In this Personal Account Agreement, "Account" means each account I already have, as well as each account I asked CIBC to open for me when I signed CIBC's standard account opening form or, if I signed that form requesting that CIBC add me as a joint accountholder of an existing account or accounts, each such account; "CIBC Convenience Card" means the card CIBC may issue me to enable me to perform transactions at branches other than the Branch of Account at automated banking machines and/or to directly charge retail purchases to the Account; "Branch of Account" means the CIBC branch which administers the Account; "CIBC" means Canadian Imperial Bank of Commerce; "Disclosure Documentation" means the account fees and interest disclosure documentation I received when I opened the Account or was added as a joint accountholder, as applicable; "I", "me" and "my" refer to each person who has signed the Signature Card, and "us", "we" and "our" refer to all of them; and "Signature Card" means the Account signature card I signed when opening each Account, or when requesting that I be added as a joint accountholder of the Account, as applicable.

2. I MUST EXAMINE MY BANKBOOK/ACCOUNT STATEMENTS: If I select the bankbook record-keeping option, I must update my bankbook every month and examine all entries and balances at that time. If I select any statement record keeping option, CIBC will mail or otherwise send me statements at my latest address, according to the Branch of Account's records. When I update my bankbook or receive my statement, I must examine all entries and balances in it. If I believe that there are errors, omissions or irregularities, I must notify CIBC in writing, as follows:a) Bankbook: within 60 days after the date the entry is, or should have been, posted to the Account, according to CIBC'S records (that date may be different from the day printed in my bankbook), even if I have failed to update my bankbook;b) Statements: within 30 days after the date on which the statement was sent to me.

3. FAILURE TO NOTIFY CIBC: If I do not notify CIBC of an error, omission or irregularity in writing and within the time period required by paragraph (2) above, then it will be finally and conclusively settled between CIBC and me that:a) all entries and balances are correct;b) all cheques paid from the Account are genuine, duly authorized and properly endorsed;c) all amounts charged to my Account are properly chargeable to me;d) I am not entitled to be credited with any amount that is not shown in the bankbook or statement; ande) I release CIBC from all claims in connection with the Account, including any claims for negligence. This release does not apply to claims for gross negligence or willful misconduct by CIBC, in which case CIBC's liability will be limited to the lesser of: (a) the amount of the credit or charge to the Account, or (b) the direct damages I suffer (CIBC will not be liable for any indirect, special or consequential damages). I will be bound by paragraphs (2) and (3) of this Agreement even if my statement is delayed or lost in the mail or if I do not update my bankbook on a monthly basis. This paragraph (3) does not apply to amounts which may have been improperly credited to my Account. As well, this paragraph (3) does not apply to cheques that I have signed and which may bear forged or unauthorized endorsements as long as I notify CIBC of the problem within a reasonable time and in any event, within 30 days after I learn of it.

4. REPORT OF LOSS/THEFT: I must notify CIBC immediately if my bankbook, CIBC Convenience Card, or any cheques are lost or stolen, or if there are other circumstances from which one might reasonable infer that a fraud may occur in connection with the Account if I have not given CIBC immediate notice as required by this paragraph (4), or if my estate has not given the Branch of Account immediate notice of my death.

5. LIABILITY FOR FORGERIES, ETC: CIBC will only be liable for a loss due to a forged or unauthorized signature on, or any alteration of, a cheque or other payment instrument if I do both of the following:a) I notify CIBC of the alleged forgery or alteration in writing and within the time period required by paragraph (2) above, and b) I prove that I took all reasonable steps to prevent the forged or unauthorized signature or the alteration and the resulting loss, and that despite that fact, the loss was unavoidable.

6. MONEY OWING TO CIBC: I authorize CIBC to charge to the Account its standard account service fees. (The fees are set out on the Disclosure Documentation, which will be revised from time to time.) I also authorize CIBC to charge to the Account any other indebtedness I may owe CIBC.

6. MONEY OWING TO CIBC: I authorize CIBC to charge to the Account its standard account service fees. (The fees are set out on the Disclosure Documentation, which will be revised from time to time.) I also authorize CIBC to charge to the Account any other indebtedness I may owe CIBC.

7. OVERDRAFTS: (This paragraph (7) does not apply if I have made other arrangements with CIBC in regards to overdrafts.) CIBC may, if it wishes, allow an overdraft to arise in my Account for any reason (including as a result of withdrawals, paying cheques, the charging of service fees, or otherwise). If CIBC does allow my Account to become overdrawn, then I must pay the amount by which my Account is overdrawn immediately, upon CIBC's demand. I authorize CIBC to charge to my Account it's service fee(s) in respect of the overdraft, plus interest on the overdraft amount at the rate and in the manner specified in the Disclosure Documentation, as revised from time to time.

8. INACTIVE ACCOUNTS: CIBC is entitled to close this Account if there have been no deposits, withdrawals or cheques for six months, and the Account has a nil balance.

9. CHANGES: CIBC is entitled to change this Personal Account Agreement at any time. If CIBC does, it must send me notice, or post a notice in the Branch of Account. The change may, but need not, be effective on the date that the notice is mailed or posted.

10. PROCESSING OF CHEQUES AND SIMILAR ITEMS:a) Unpaid Cheques: All cheques deposited to the Account are credited subject to final payment, which means that if a cheque is returned unpaid for any reason, CIBC will charge the amount of the cheque to the Account. In that case, CIBC will use reasonable diligence on my behalf to attempt to obtain payment for the cheque from the drawer of the cheque or the drawer's bank, but CIBC will not be liable for doing so late or improperly, or not doing so at all.b) Dealings with Other Branches: If I wish to perform Account transactions at a CIBC branch other than the Branch of Account, I agree to comply with CIBC's requirements in that regard. I acknowledge that simply presenting my bankbook (if I have selected that record-keeping option) at other CIBC branches than the Branch of Account will not suffice. CIBC may charge to the Account the amount of any cheque, bill of exchange or other payment order ("Order") drawn on the Account, as soon as it is negotiated or deposited at any CIBC branch or agency. CIBC may pay the Order even if it is not physically delivered to or presented at the address of the CIBC branch shown on the front of the Order.

11. CONVERSION ACCOUNTS: If the Account has the same account number as an account previously opened by me (the "Old Account") and I have closed the Old Account, I instruct CIBC to transfer to this Account all agreements, orders, directions and authorizations relating to the Old Account If any agreement governing the Old Account conflicts with this Personal Account Agreement, the terms of this Agreement will apply.

12. EXISTING CIBC INVESTOR'S RATE ACCOUNTS: If I have a CIBC Investor's Rate Account, I understand that principal and interest owing to me in respect of that Account are owed by CIBC Trust Corporation and guaranteed by CIBC, and that CIBC is CIBC Trust Corporation's agent for administering that Account. For the purpose of dealing with that Account, all references in this Personal Account Agreement to "CIBC" are references to CIBC Trust Corporation instead.

Personal Account Services Agreement - Legal Copy11.1a

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Employment Information (for CIBC Overdraft Protection Service only)

DateTransit Derived

Postal Code

BranchName Derived Derived

Acct No.

Address

First Name Surname

Telephone ( )

Yes NoSocial Insurance

Personal Account & Services Application -- Customer Information

1

Technical RequirementsFields that were captured in the Single Account Holder CIF and the Joint Account Holder CIFs are to be dynamically

pre-populated so as to avoid manually entering information.

Forms Branch Name - Response format: derived from database.Branch Address - Response format: derived from database.Transit - Response format: derived from database.Date - Response format: derived from database.

Acct No. - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Type of ID - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary ID Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Joint Type of ID - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint ID Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Why did you choose this CIBC branch... - Response format: text entry; Required: mandatory; Field length: 1-1000 char; Field type: characters.

Joint Why did you choose this CIBC branch... - Response format: text entry; Required: mandatory; Field length: 1-1000 char; Field type: characters.

Primary First Name - Response format: text entry; Required: pre-populated; Field length: 1-10 0 char; Field type: characters.

Primary Middle Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary Surname - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary Address - Response format: text entry; Required: pre-populated; Field length: 2 fields, 1-100 char; Field type: characters.

Primary Postal Code - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Moved-In Date - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Telephone - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

Primary Previous Address - Response format: text entry; Required: pre-populated; Field length: two fields, 1-100 char; Field type: characters.

Primary Previous Postal Code - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Previous Moved-In Date - Response format: text-entry; Required pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Social Insurance - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary Date of Birth - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Resident of Canada? - Response format: radio buttons (yes, no); Required: pre-populated..Primary Language Preference? - Response format: radio buttons (English, French); Required: pre-populated.

Branch Address

Type of ID ID Number

IdentificationIdentification requirement is 2 current signed pieces (preferably 1 with photo). Acceptable pieces include: driver's licence, passport, citizenship, or major credit card. If you are under 19, birth certificate and library card are also acceptable.

Why did you choose this CIBC branch to serve your banking needs?Existing customer of branch? Existing customer of CIBC? Live/work/shop in the area? Referred by existing customer? Transferring from another CIBC branch? Transferring from a competitor? Payroll deposit? Other?)

Personal Information

Middle Name

Moved-In Date

PreviousPostal Code

Previous Address

PreviousMoved-In Date

Date of Birth

Residentof Canada?

English FrenchLanguagePreference?

Derived

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Primary Applicant

Joint ApplicantType of ID ID Number

Primary Applicant

Joint Applicant

Primary Applicant

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9.1

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9.3 9.4

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Employer Name

EmploymentStart Date

Net MonthlyIncome

Bus. Telephone ( )

CIBC Convenience Card Automated Banking (ABM), Telephone Banking, Interac Direct Payment Service, interBranch Banking

$

Employment Information (for CIBC Overdraft Protection Service only)

Slot Account Description Account Number

1.

2.

Daily Withdrawal Limit

3.

4.

Convenience Card Number Yes NoNew or

Existing?

$

Interac Direct Payment Limit

$

Operator ID

Occupation

Technical RequirementsFields that were captured in the Single Account Holder CIF and the Joint Account Holder CIFs are to be dynamically pre-

populated so as to avoid manually entering information.

Forms Joint First Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.Joint Middle Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.Joint Surname - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.Joint Address - Response format: text entry; Required: pre-populated; Field length: 2 fields, 1-100 char; Field type:

characters.Joint Postal Code - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

alphanumeric.Joint Moved-In Date - Response format: text entry MMM DD YYYY; Required: pre-populated; Field length: 1-100 char; Field

type: alphanumeric.Joint Telephone - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.Joint Previous Address - Response format: text entry; Required: pre-populated; Field length: 2 fields, 1-100 char; Field type:

characters.Joint Previous Postal Code - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

alphanumeric.Joint Previous Moved-In Date - Response format: text-entry MMM DD YYYY; Required pre-populated; Field length: 1-100

char; Field type: alphanumeric.Joint Social Insurance - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

charactersJoint Date of Birth - Response format: text entry MMM DD YYYY; Required: pre-populated; Field length: 1-100 char; Field

type: alphanumeric.Joint Resident of Canada? - Response format: radio buttons (yes, no); Required: pre-populated..Joint Language Preference? - Response format: radio buttons (English, French); Required: pre-populated.

Primary Employer Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary Occupation - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary Employment Start Date - Response format: text entry MMM DD YYYY; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Net Monthly Income - Response format: text entry; Required: pre-populated; Field length:1-100 char; Field type: numeric.

Primary Bus. Telephone - Response format: text entry; Required: pre-populated; Field length:1-100 char; Field type: numeric.

Joint Employer Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint Occupation - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.Joint Employment Start Date - Response format: text entry MMM DD YYYY; Required: pre-populated; Field length: 1-100

char; Field type: alphanumeric.Joint Net Monthly Income - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

numeric.Joint Bus. Telephone - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

Convenience Card Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

New or Existing? - Response format: radio buttons (yes, no); Required: pre-populated.Account Description - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

characters.Account Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.Daily Withdrawal Limit - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.Interac Direct Payment Limit - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

numeric.Operator ID - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric..

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Postal Code

Address

First Name Surname

Telephone ( )

Yes NoSocial Insurance

Middle Name

Moved-In Date

PreviousPostal Code

Previous Address

PreviousMoved-In Date

Date of Birth

Residentof Canada?

English FrenchLanguagePreference?

Joint Applicant

NOTE: Accounts displayed from 1 up to 10, depending on the number of attached

accounts to the convenience card

Primary Applicant

Employer Name

EmploymentStart Date

Net MonthlyIncome

Bus. Telephone ( )

$Occupation

Joint Applicant

9.1 9.2 9.3

9.4 9.8

9.5

9.6

9.7

9.11

9.12

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9.10

9.13

9.14

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9.21

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9.25 9.26

9.29

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9.31

9.19.29.39.4

9.5

9.6

9.79.8

9.9

9.10

9.11

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9.139.14

9.15

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9.19

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9.219.22

9.23

9.249.25

9.26927

9.289.29

9.30

9.31

9.27 9.28

9.24



Technical RequirementsFields that were captured in the Single Account Holder CIF (and Secondary Account Holder CIF, if completed) are to

be dynamically pre-populated so as to avoid manually entering information.

Forms Branch Name - Response format: derived from database.Branch Address - Response format: derived from database.Transit - Response format: derived from database.Date - Response format: derived from database.

Acct No. - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary First Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary Middle Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary Surname - Response format: text entry; Required: pre-populated; Field length: 1-1000 char; Field type: characters.

Primary Date of Birth - Response format: text entry MMM DD YYYY; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint First Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint Middle Name - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint Surname - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint Date of Birth - Response format: text entry MMM DD YYYY; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

What will you be using this account for? - Response format: text entry; Required: mandatory; Field length: 1-100 char; Field type: characters.

Multiple Signatures Required? - Response format: radio buttons (yes, no); Required: mandatory; Field length: 1-100 char; Field type: characters.

Account Selected CIBC Canadian Dollar Personal Account - Response format: choose from list; Required: pre-populated..

Account Selected CIBC Premium Growth Account - Response format: choose from list; Required: pre-populated.Account Selected CIBC Waive Account - Response format: choose from list; Required: pre-populated.Account Selected CIBC U.S. Dollar Savings Account - Response format: choose from list; Required: pre-populated.Account Selected CIBC Premier Service - Response format: choose from list; Required: pre-populated.Record Keeping Option Statement Only - Response format: choose from list; Required: pre-populated.Record Keeping Option Bankbook - Response format: choose from list; Required: pre-populated.Record Keeping Option Statement with Cheque Imaged - Response format: choose from list; Required: pre-populated.Record Keeping Option Statement with Cheque Returned - Response format: choose from list; Required: pre-

populated.Other Option Cheques - Response format: check box (on, off); Required: pre-populated.

Approved Limit - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.Interest Rate - Response format: text entry; Required: pre-populated; Field length: 1-1000 char; Field type: numeric.Gross Monthly Income - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

numeric.

Transit DerivedBranchName Derived

Acct No.

Yes No

Personal Account & Services Application -- Account Information

Branch Address

Account Holder Information

Multiple Signatures Required?

Each customer who signs is bound by the following and by the Additional Terms on the second page: I certify that the information I provided on this application is correct and complete. Overdraft: If I am applying and am approved for CIBC Overdraft Protection Service on my account, I will be bound by the attached CIBC Overdraft Protection Service Agreement. CIBC Convenience Card: If you (CIBC) issue me a CIBC Convenience Card, I will be bound by the CIBC Convenience Banking Service Agreement you have given me. It says, among other things, that I must keep absolutely confidential all Card access codes I am given and/or select. CIBC U.S. Dollar Savings Account: If I am applying for a CIBC U.S. Dollar Daily Interest Account, the deposit evinced by this instrument does not constitute a deposit that is insured under the Canada Deposit Insurance Corporation Act.

YOU MAY, FROM TIME TO TIME, GIVE ANY CREDIT AND OTHER INFORMATION ABOUT ME, INCLUDING ANY INFORMATION ON THIS FORM, TO, AND RECEIVE SUCH INFORMATION FROM, ANY: (A) CREDIT BUREAU OR REPORTING AGENCY; (B) PERSON WITH WHOM I MAY HAVE OR PROPOSE TO HAVE FINANCIAL DEALINGS; AND (C) PERSON IN CONNECTION WITH ANY DEALINGS I HAVE OR PROPOSE TO HAVE WITH YOU. I agree that you may use that information to establish and maintain my relationship with you, and to offer me any services from time to time, as permitted by law.

Joint Applicant (if joint account))

Date of Birth

First Name

Surname

Primary Applicant

Middle Name

Account Type and OptionsWhat will you be using this account for?

Account Selected

CIBC Premier Service

Record Keeping Option

CIBC Canadian Dollar Personal Account

CIBC Premium Growth Account

CIBC Waive Account

CIBC U.S. Dollar Savings Account Other OptionCheques

Statement Only

Statement with Cheque ImagedStatement with Cheque Returned

Bankbook

CIBC Overdraft Protection Service (COPS)

$Approved Limit %Interest rate $Gross Monthly Income

Our agreement

Applicant's Signature Joint Applicant's Signature Parent/Guardian name

(please print)Parent/Guardian signature

Date Derived9.1 9.3 9.4

9.29.5Derived

9.6

9.7

9.8

9.9

First Name

Date of Birth

Surname

Middle Name

9.10

9.11

9.12

9.13

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9.25

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9.129.13

9.14

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9.179.189.199.209.219.229.239.249.25

9.269.279.28

9.28



Title: ID:Filename:


? Help 1.4b

Account Summary & PCNA11.0

Advise customer of their eligibility for Credit Card or Personal Line of Credit and proceed with the application.

Advise customers to put money into their account to cover charges such as cheques.

Review the highlights of CIBC Overdraft Protection Service repayment policy with the customers.

Customers can only access accounts in the Chequing and Savings slots for Interac® Direct Payment and non-CIBC Bank Machines.

Inform the customer that most Bank Machines outside North America may only allow access to the account in the Chequing slot.

Remember to verify the customer's Bank Machine daily Cash Withdrawal limit and daily Interac® Direct Payment limit.


Tips Functional RequirementsPrepopulate Account number, record keeping option, access to deposited funds, COPS,

PAP, DD, TB and IB. Indicate eligibility for PSP, VISA and PLC.Credit card preapproval based on qualifying rules in the requirements 3.2110, 3.21.10b,

3.21.11, 3.21.12Slot information: copy should also be dynamic whereby if account is placed in the Savings or

Other slot, the text from RAO on ability to access card IDP or overseas is displayed.Identify slot number and display if account is linked to CCAccount details are suppressed for Joint FlowIndicate to customers that they are eligible for a pre-approved VISA if they have a minimum

beacon score of 611 Indicate to customers that they are eligible for a PLC if they have minimum income of

$35,000 and a minimum beacon score of 675 ABM and IDP limits are defaulted to 1000$ and 3000 respectively.

FormsHow to Better Serve You - Prepopulate from PCNA

Current CIBC Products column is prepopulated based on info provided from earlier screensRequested - radio button, no defaultExpressed interest - radio button, no defaultHas at other FI - drop down list works independently of the radio buttons used in 9.2, 9.3 and

9.5: TD, Royal, Scotia, BMO, National, Laurentian, Caisse Populaire, Other. Required: mandatory/optional; Field length: 1-100 char; Field type: characters; Action: save response / carry data

Not Currently Required - radio button, no defaultReferral - drop down list: Personal Banking, Imperial Service, Small Business Banking,

Private Banking. Required: mandatory/optional; Field length: 1-100 char; Field type: characters; Action: save response / carry data

Dynamic Primary and Secondary Account Holder information -

ButtonsBack - to 9.0Print and Exit - Confirmation to Exit 16.0Continue- to Closing Dialogue 12.0

Error Messaging1. Condition: For all customers at least one field needs to be populated. Message: A minimum of one field is required to proceed.Where this message occurs: In-line message

9.19.29.39.4

9.5

10.110.210.3

9.6

Account Summary for Primary Account Holder {First Name Surname} and Secondary Account Holder {First Name Surname}

Post {Number}

{messages}

Congratulations, {Primary First Name and Surname} and {Secondary First Name and Surname}. We have successfully opened a joint {account type}{with benefit type} on your behalf.

Please keep a copy of all documents for your records.Account DetailsTransit/Account Number: {transit #/account numberAccess to deposited funds: ${1,000}Pre-Authorized Payment: {Expressed Interest}Telephone banking: {Current CIBC Product}

How to Better Serve You To better understand your needs, please complete the form below.


Not currently required

Personal Account

Channel Access

Credit Card

Personal Line of Credit/Loan

Mortgage

Investments

RequestedCurrent CIBC Products

Expressed Interest

Has at other FIProduct Type

Creditor Insurance

9.1 9.2 9.3 9.4 9.5

10.1 10.2 10.3

Record Keeping Option: {statement}CIBC Overdraft Protection Limit: ${1,500}Direct Deposit: {Expressed Interest}Online Banking: {Requested}

Primary Account HolderInterac Direct Payment : ${3000} Automated Banking Machine: ${1000}

Secondary Account HolderInterac Direct Payment : ${3000} Automated Banking Machine: ${1000}

{Primary First Name Last Name} your {Account Name} has now been linked to your {checking/savings/other} slot on your Convenience Card.

{Secondary First Name Surname} your {Account Name} has now been linked to your {checking/savings/other} slot on your Convenience Card.

{Primary First Name Surname} you may be eligible for a CIBC Credit Card

{Primary First Name Surname} you may be eligible for a CIBC Personal Line of Credit

Referral 9.6

1.4

1.4

1.49.7

9.71.4

1.4b

1.4b

1.4b

1.4b

1.4b

1.4b1.4c



Title: ID:Filename:


? Help 1.4b

Account Details Popup


Provide table of summary :Display product/ account information in a tabular form with the following columns from CIF:1st column -Sub type2nd column - Transit3rd column - Account4th column - account name5th column - open date6th column - maturity date7th column - balance/credit limit

Provide account information for Joint account holders.For information on summary table, see CIF requirements 3.10.2

Buttons

Close - Closes pop-up10.1

11.0.1

PCNA Summary of {Deposit} Accounts

Close 10.1

Summary of {Deposit} Accounts for Primary Account Holder { first name surname}

Product Transit Account Account Name Open Date Maturity Date Balance/Credit Limit



Title: ID:Filename:


? Help 1.4b

Business RequirementsPrepopulate Account number, record keeping option, access to deposited funds,

COPS, PAP, DD, TB and IB. Indicate eligibility for PSP, VISA and PLC.

Functional RequirementsAccount details section is scaleable, depending upon the number of accounts that the user

will open. Save results for SM@RTMust be able to print summary screen

Users are able to select one radio button per rowIndicated what they have at CIBC - content is prepopulated from all previous answers

through flow and from previously existing profile information. This allows operator to see what has been purchased and allows for additional purchases.

Credit card preapproval eligibility based on qualifying rules in the requirements 3.2110, 3.21.10b, 3.21.11, 3.21.12

Slot information: copy should also be dynamic whereby if account is placed in the Savings or Other slot, the text from RAO on ability to access card IDP or overseas is displayed.

FormsHow to Better Serve You - Prepopulate from PCNA

Current CIBC Products column is prepopulated based on info provided from earlier screens if checked, Account Details link appears (except for Channel Access)

Current CIBC Products - radio button, no defaultExpressed interest - radio button, no defaultHas at other FI - drop down list: TD, Royal, Scotia, BMO, National, Laurentian, Caisse

Populaire, Other. Required: mandatory/optional; Field length: 1-100 char; Field type: characters; Action: save response / carry data

Not currently required - radio button, no defaultReferral - drop down list: Personal Banking, Imperial Service, Small Business Banking,

Private Banking . Required: mandatory/optional; Field length: 1-100 char; Field type: characters; Action: save response / carry data

ButtonsBack - to ID9.0Print and Exit - Confirmation to Exit 16.0Continue- to Closing Dialogue 12.0

Error Messaging1. Condition: For all customers at least one field needs to be populated. Message: A minimum of one field is required to proceed.Where this message occurs: In-line message

Account Summary & PCNA for Additional Accounts11.0a

Advise customer of their eligibility for Credit Card or Personal Line of Credit and proceed with the application.

Advise customers to put money into their account to cover charges such as cheques.

Review the highlights of CIBC Overdraft Protection Service repayment policy with the customers.

Customers can only access accounts in the Chequing and Savings slots for Interac® Direct Payment and non-CIBC Bank Machines.

Inform the customer that most Bank Machines outside North America may only allow access to the account in the Chequing slot.

Remember to verify the customer's Bank Machine daily Cash Withdrawal limit and daily Interac® Direct Payment limit.


Tips

9.1

9.29.39.4

9.5

10.110.210.3

9.6

{messages}


1st Account - Details Transit/Account Number: {transit #/account numberAccess to deposited funds: ${1,000}Pre-Authorized Payment: {Interested}Telephone banking: {Existing}

Post {Number}

How to Better Serve You To better understand your needs, please complete the form below.


Not currently required

Personal Account

Channel Access

Credit Card

Personal Line Credit/Loan

Mortgage

Investments


Expressed Interest

Has at other FIProduct Type

Creditor Insurance

9.1 9.2 9.3 9.4 9.5

10.1 10.2 10.3

Record Keeping Option: {statement}CIBC Overdraft Protection: ${1,500}Direct Deposit: {Interested}Online Banking: {Requested}

Referral 9.6

2nd Account - DetailsTransit/Account Number: {transit #/account numberAccess to deposited funds: ${1,000}Pre-Authorized Payment: {Interested}Telephone banking: {Existing}


Primary Account Holder:Interac Direct Payment : ${3000} Automated Banking Machine: ${1000}

Secondary Account Holder:Interac Direct Payment : ${3000} Automated Banking Machine: ${1000}

{Primary First Name Last Name} your {Account Name} has now been linked to your {checking/savings./other} slot on your Convenience Card.

{Secondary First Name Last Name} your {Account Name} has now been linked to your {checking/savings./other} slot on your Convenience Card. {Primary First Name Last Name} you may be eligible for a CIBC Credit Card

{Primary First Name Last Name} you may be eligible for a CIBC Personal Line of Credit

Congratulations, {Primary First Name Surname} and {Secondary First Name Surname}. We have successfully opened a joint {account type}{with benefit type} on your behalf.

Please keep a copy of all documents for your records. The following is a summary of your account{s}.

1.4

1.4

1.4

1.4

1.4

1.4b

1.4b

1.4b

1.4b

1.4b



Title: ID:Filename:

Functional RequirementsMust be able to print summary screen

This screen represents a printable copy of the Summary / PCNA screen.

Primary Customer's Home phone number is added to the branch copy of the printout.

Account Summary - Printable Summary for Branch11.2


Please keep a copy of all documents for your records.

{messages}


Account DetailsTransit/Account Number: {transit #/account numberAccess to deposited funds: ${1,000}Pre-Authorized Payment: {Interested}Telephone banking: {Existing}

Post {Number}

How to Better Serve You

Below is a list of your current banking products and services.


Branch Copy Home Phone {Number}




{Secondary First Name Last Name} your {Account Name} has now been linked to your {checking/savings./other} slot on your Convenience Card.

{Primary First Name Last Name} you may be eligible for a CIBC Credit Card

<Primary First Name Last Name> you may be eligible for a CIBC Personal Line of Credit

Not Currently Required

Personal Account

Channel Access

Credit Card


Mortgage

Investments


Expressed Interest Has at other FIProduct Type

Referral: Imperial Service

1.4

Reminders:- If a new Convenience Card has been issued, go to the Automated Banking

Machine to select a secret code- Order custom cheques- Client eligible for Personal Line of Credit- Client eligible for pre-approved VISA- If the customer is a youth, please add a message to the Account via COINS

that the parent or legal guardian operate the account on behalf of the youth.

- You must add a "Multiple signatures required" message to the account through COINS.

1.4

1.4

1.4b

1.4b

1.4c



Title: ID:Filename:


Please keep a copy of all documents for your records.

{messages}


Account DetailsTransit/Account Number: {transit #/account numberAccess to deposited funds: ${1,000}Pre-Authorized Payment: {Interested}Telephone banking: {Existing}

Post {Number}

How to Better Serve You To better serve you and understand your needs please answer the following questions.

Not Currently Required

Personal Account

Channel Access

Credit Card


Mortgage

Investments


Expressed Interest Has at other FIProduct Type

Creditor Insurance


Referral:

Royal

Imperial Service

Functional RequirementsMust be able to print summary screen

This screen represents a printable copy of the Summary / PCNA screen.PCNA portion is prefilled if there were answers given in the pop-up version of the PCNA.

Account Summary - Printable Screen for Customer11.2




{Secondary First Name Last Name} your {Account Name} has now been linked to your {checking/savings./other} slot on your Convenience Card.

{Primary First Name Last Name} you may be eligible for a CIBC Credit Card

{Primary First Name Last Name} you may be eligible for a CIBC Personal Line of Credit

1.4

1.4b

1.4b

1.4b



Title: ID:Filename:

Signature Card - Single/Joint

1.

2.

Customer Address

Signature Card

1.

2.

Employer / Occupation

1.

2.

Home Telephone Number Business Telephone Number

( )

( )

1.

2.

( )

( )

Identification Provided (#1)

Type

Number

Type

Number

Surname First Name and Initial(s) CIBC Customer Since

1.

2.

1.

2.

AccountNumber

Record KeepingOption Joint Multiple

Signatures Date Account Opened Customer'sInitials

Date Closed/Disposition

Transit Branch Name Date

DerivedDerivedDerived

I agree to be bound by the Personal Account Agreement which you have given me. I have received a copy ofCIBC's personal account service charges and interest rate disclosure material.

Identification Provided (#2)

Signatures

1. 2.

Technical RequirementsFields that were captured in the Single Account Holder CIF (and Joint Account Holder CIF, if completed) are to be

dynamically pre-populated so as to avoid manually entering information.Forms

Primary Customer Address - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Joint Customer Address - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Employer / Occupation - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Joint Employer / Occupation - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: alphanumeric.

Primary Home Telephone Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

Joint Home Telephone Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

Primary Business Telephone Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

Joint Business Telephone Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

Primary Identification Type - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary Identification Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

Joint Identification Type - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint Identification Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.

Primary Surname - Response format: text entry; Required: pre-populated; Field length:1-100 char; Field type: characters.

Primary First Name and Initial(s) - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint Surname - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Joint Surname and Initial(s) - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: characters.

Primary CIBC Customer Since - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.The following 7 fields are replicated an nth number of times based upon how many CIBC Accounts the user has:

Account Number - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type: numeric.Record Keeping Option - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

characters.Joint - Response format: text "Yes" / "No"; Required: pre-populated.Multiple Signatures - Response format: text "Yes" / "No"; Required: pre-populated.Date Account Opened - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

numeric.Customer's Initials - Response format: text entry; Required: pre-populated; Field length: 3 char; Field type: characters.Date Closed / Disposition - Response format: text entry; Required: pre-populated; Field length: 1-100 char; Field type:

numeric.

11.3



Title: ID:Filename:


? Help 1.4b

Closing Dialogue

12.0

Remember to thank the customers for banking with CIBC. Also ask:

Will you recommend CIBC to your family and friends?Will you come back to CIBC for any additional needs?

Give the customers your business card.

Introduce new customers to the Branch Manager.

Tips

Back Exit10.1 10.2Reprint 10.3

Functionality

Display PLC eligibility reminder to PB for all customers who receive a beacon score of 675 or higher.Reminders are dynamically displayed depending on customer's selections through account open process

Custom checksABM PIN - if new CC card is issuedVISAPLCPSP VISAYouthMultiple signatures required

LinksBack - to Account Summary 11.0Reprint - link to Print Dialogue 16.0Exit - Confirmation to Exit 16.1

MessagesYour documents are being printed

10.110.210.3

Closing Dialogue

Ensure you have reviewed the following with support from the documentation provided to the customer:

1. Convenience Banking Service Application

2. Credit Bureau Consent

3. Access to Deposited Funds

4. Hold Funds Policy

5. CIBC Overdraft Protection Service (include limits, repayment terms, fees and interest rates)

6. Terms/Conditions/Fees

7. Privacy Disclosure

8. Interest Rate Disclosure

9. Our Service Commitment (complaint handling process)

10. Obtain signatures on Personal Account Services Agreement and/or signature card

Reminders:- If a new Convenience Card has been issued, go to the Automated Banking

Machine to select a secret code- Order custom cheques- Client eligible for Personal Line of Credit- Client eligible for pre-approved VISA- If the customer is a youth, please add a message to the Account via COINS

that the parent or legal guardian operate the account on behalf of the youth.

- You must add a "Multiple signatures required" message to the account through COINS.

1.4b



Title: ID:Filename:

Print Dialogue

·

Print Forms/ Summaries for Primary Account Holder {First Name Surname} and Secondary Account Holder {First Name Surname}

14.0

Print

FunctionalityScreen is not part of standard flow. Only appears is user requests to reprint documents.Each form is added to list as functions are completed throughout processVisual emphasis should be placed on Print All. Window remains opened until operator manually closes. This enables forms to be reprinted if

requiredForms to be displayed in order that they are added to the print list.

Links

Select All - selects all print check-boxesPrint - Print generates an HTML page that lists all selected forms with appropriate page

breaks. Close - Closes Window and exits user from application

10.110.2

10.3

Personal Account Services Application (PASA) Signature Card SIN Consent Form PrimarySIN Consent Form SecondaryIndemnity by Parent or Legal Guardian Declaration of Source of FundsAccount Summary for Branch Account Summary for Customer Privacy Disclosure PrimaryPrivacy Disclosure SecondaryCredit Bureau Decline Letter

Print Dialogue

Select All

Close

10.1

10.2 10.3

1.4

1.4b

1.4b



Title: ID:Filename:


? Help 1.4b

Supervisor Override15.0

Supervisor Override Required

ContinueCancel

Supervisor ID

Supervisor Password

A supervisor override is required to proceed

9.1

9.2

10.1 10.2

Condition: {condition}

Functional RequirementsID and password need to be validated based on CCMRefer to Appendix 5.2 for all supervisor override

requirements Refer to card status messages.

FormsSupervisor IDSupervisor Password - maskedCondition Message dynamically populated

LinksCancel - closes dialogue and does not allow bypassContinue- follow through to next step in flow and verify ID

and password to perform override operation

Message:In-line message identifying if previous message was successful. Happens when more than one override is required. Message: Override for {condition} was successful.

Condition: In cases where supervisor override is unsuccessful.Message wil l be returned from back-end system.Where this message appears: In-line message on the page -operator cannot proceed.

9.19.2

10.110.2

1.4

9.39.3

1.4b

1.4b

1.4b

{messages}



Title: ID:Filename:


? Help 1.4b

Operator Override15.1

Operator Override Required

ContinueCancel

Operator ID

Operator Password

An operator override is required to proceed

9.1

9.2

10.1 10.2

Condition: {condition}

Provide the ability to capture and authenticate overrides generated by these messages where required, as per the existing functionality.

Refer to Appendix 5.2 for all operator override requirements

Operator Override: Convenience Card - Warm StatusIf Convenience card is used as the identifier, indicate to the operator if any messages are attached to the card, i.e. lost, stolen or warm.If message is warm request an operator override and allow operator to proceed.

FormsOperator IDOperator Password - maskedCondition Message dynamically populated

ButtonsCancel -close dialog and do not allow bypassContinue- follow through to next step in flow after confirmation of ID and password

Message:In-line message identifying if previous message was successful. Happens when more than one override is required. Message: Override for {condition} was successful.

Condition: In cases where supervisor override is unsuccessful.Message wil l be returned from back-end system.Where this message appears: In-line message on the page - operator cannot proceed.

9.19.2

10.110.2

{operator ID}

1.4

9.3

9.3

{messages}



Title: ID:Filename:


? Help 1.4b

Provide the operator the ability to exit out of BAO at any time throughout the process.

ButtonsNo - close Pop Up windowYes - link to Print Dialogue 14.0

10.110.2

Confirmation to Print and Exit16.0

Confirmation to Exit

Yes No

You must print any queued documents prior to exiting the application. Do you want to print and exit?

10.110.2



Title: ID:Filename:


? Help 1.4b

Provide the operator the ability to exit out of BAO at any time throughout the process.

ButtonsNo - close Pop Up window Yes - link to 1.0

10.110.2

Confirmation to Exit16.1

Confirmation to Exit

NoYes

Are you sure you want to exit?

10.110.2



Title: ID:Filename:


? Help 1.4b

We're Sorry

Your request could not be completed and could not be saved because of a technical problem with our system.

Please return to the Customer Search to retrieve the saved customer information.

If you are unable to return to Customer Search, please close the browser window and re-start the Account Open process.

We apologize for the inconvenience.

Application Error18.0

Print and ExitReturn to Customer Search

This screen is presented if there is a system error.Inline message indicating error code.

LinksReturn to Customer Search button - forwards to Customer Search (ID

3.0)Print and Exit - launches Exit confirmation screen and Print Dialogue

12.0 with outstanding print forms directional text

10.1

10.2

10.1 10.2

Tips 1.4

{messages} 1.4b

1.4b



Global RequirementsFunctional Requirements

GLOBAL INFORMATIONFormat of customer name is: Firstname Surname (List account holder's)' name on applicable screens where known . Display account number & transit number on subsequent screens once account has been opened.If Joint, indicate if primary or secondary account holder at the same time.

DATE FORMATDate format is Mmm. DD, YYYY (per CBFE Design Standards, Guidelines), e.g.; Jan. 01, 2002

OVERRIDES - see override document

ERROR MESSAGING:Seven types of messages exist: 1 Mandatory Field Checking2 Format Checking3 Business Rules where users can proceed4 Business Rules where users cannot proceed5 Transaction failure 6 System Errors7 System time out

Error messages, which may also be referred to as in-line messages usually appear at top of screen in message field. References may be made to specific fields in which case graphical treatment will appear to indicate the field effected. An example of how to display multiple messages is provided on page _____ of the IDS.

1 Mandatory Field Checking - Verifies that all mandatory fields are completed before proceeding.Condition: Not all mandatory fields have been populated. Message: To be provided by content Where this message occurs: Red arrows are shown beside fields that are mandatory and empty. A generic "you must provide all mandatory information" message will appear in-line at the top.

2 Format Checking - Verifies that all data entered is correct in format (numeric/alpha/apha-num., num. of char, etc.).Condition: Fields populated with incorrect characters i.e.. non-numeric characters in numeric field.Message: To be provided by contentWhere this message occurs: Red arrows are shown beside fields that had format errors. A generic "you must provide all information in valid formats" message will appear in-line at the top.

3 Business Rules where users can proceed - Upon Continue being selected, system verifies business rules. If there are business rules that are broken but process can still proceed, then in-line message is shown. (exception for overrides, see override section)Condition: Business rule checkMessage: identified in each IDS pageWhere this message occurs: In-line message on next page

4 Business Rules where user's cannot proceed - Upon Continue being selected, system verifies business rules. If there are business rules that are broken, the process may need to be stopped. Condition: Process cannot continueMessage: Identified in each IDS page Where this message occurs: In-line message on New Specific Error Page, buttons: Back, Exit or Print and Exit

5 Transaction Failure - Upon Continue, error message is returned when attempting to perform transaction (a business rule implemented on the HOST system) Condition: Process cannot continueMessage: System Error with <error reference number> Where this message occurs: In-line message on same page

6 System Errors - Upon Continue, system errors are found.Condition: Process cannot continueMessage: See ID #14 <error reference number> Where this message occurs: Show ID #14

7 System Time OutCondition: System Timed OutMessage: See ID 0.1Where this message occurs: Log-on Screen ID 0.1 , in-line message

TAB ORDERTab order - Tab order of all the screens will be consistent. Generally, the user will tab across the screen then down. When the last button is reached, the tab will move to the top of the browser and eventually back to the first element on the screen. Selecting Tab will change focus to the next control. You must then press ENTER or space to alter it.

PRINTPrint -The first point where a form may need to be printed is SIN consent. Form Trigger Screen for printing 1. Privacy Disclosure 10 2. SIN Consent 4.0 or 5.0 3. Credit Decline Letter 6.1 4. Terms and Conditions 10.0 5. 5915 10.0 6. PASA 10.0 7. Account Summary 11.08. Signature Card 10.0

If Print Dialog is empty, the button is greyed out.

INPUT ELEMENTSWithin a list box, list view, tree view, or on the desktop, pressing the same character more than once at the beginning of a name will select the next item beginning with that character in dropdowns.

DROPDOWNSDropdowns - when no default is indicated, the field should remain blank.

NUMERIC FIELDSAllow approximate dollar value without cents.For example:User enters 12345 If the page is re-generated then the system displays $ 12,345.00 (where $ is provided in static HTML and the number is provided in the text entry box)



TIPSSpecific tips are displayed according to application: Single, Joint, and/or Youth. Some of the tips are

applicable for more than one application type. See IDS pages for details.



001 CHANNEL ISLANDS 002 GREENLAND 003 MADEIRA 004 AZORES 110 U.S.A. 124 UNITED KINGDOM 135 JAPAN 146 CANADA 202 PUERTO RICO 205 U.S. VIRGIN ISLANDS 207 ANTIGUA AND BARBUDA 208 ARUBA 209 BAHAMAS 212 BARBADOS 215 BERMUDA 218 BR.VIRGIN ISL 221 CAYMAN ISLS 224 CUBA 227 DOMINICA 230 DOMINICAN REPUBLIC 233 FALKLAND ISLANDS 236 GRENADA 239 GUADELOUPE 242 HAITI 248 JAMAICA 257 MARTINIQUE 260 MONSERRAT 263 NETHERLANDS ANTILLES 272 ST.KITTS AND NEVIS 274 ANGUILLA 275 ST. LUCIA 278 ST.PIERRE AND MIQUELON 281 ST. VINCENT 287 TRINIDAD AND TOBAGO 290 TURKS AND CAICOS

303 ARGENTINA 307 BELIZE 311 BOLIVIA 315 BRAZIL 319 CHILE 323 COLOMBIA 327 COSTA RICA 331 ECUADOR 335 EL SALVADOR 339 FRENCH GUIANA 343 GUATEMALA 347 GUYANA 351 HONDURAS 355 MEXICO 359 NICARAGUA 363 PANAMA 371 PARAGUAY 375 PERU 379 SURINAM 383 URUGUAY 387 VENEZUELA 403 ANDORRA 406 BELGIUM 409 DENMARK 412 FRANCE 415 GERMANY 418 IRELAND 421 ITALY 424 LUXEMBOURG 427 MONACO 430 NETHERLANDS 433 VATICAN 437 AUSTRIA 441 FINLAND 445 GREECE 449 ICELAND 453 LICHTENSTEIN 457 NORWAY 461 PORTUGAL 465 SPAIN

469 SWEDEN 473 SWITZERLAND 477 TURKEY 481 CYPRUS 485 GIBRALTAR 489 MALTA 511 U.S.S.R. 515 ALBANIA 517 BELARUS 519 BOSNIA-HERCEGOVINA 521 BULGARIA 525 CROATIA 526 CZECH REPUBLIC 527 CHECHOSLOVAKIA529 ESTONIA 533 GERMANY,DEMOCR. REP 539 HUNGARY 540 LATVIA541 LITHUANIA 542 MACEDONIA 543 MOLDOVA 545 POLAND 551 ROMANIA 552 SLOVAK REPUBLIC 553 RUSSIAN FEDERATION 554 SERBIA - MONTENEGRO 555 SLOVENIA 556 UKRAINE 557 YUGOSLAVIA 602 ABU DHABI 604 BAHRAIN 606 DUBAI 608 EGYPT 610 IRAN 612 IRAQ 614 ISRAEL 616 JORDAN,HASHEMITE KING618 KUWAIT, STATE OF

620 LEBANON 622 LIBYA, ARAB REPUB. OF624 NEUTRL ZONE, MID EAST 626 OMAN 628 QATAR 630 SAUDI ARABIA 632 SYRIA 634 UNITED ARAB EMIRATES 636 YEMEN, ARAB REPUBLIC 638 YEMEN, PPLS DEM. REP. 640 CHINA 642 KOREA, DEM. PPL. REP.644 MONGOLIAN PEOPLS REP 646 VIETNAM 647 ARMENIA 648 AFGHANISTAN 649 AZERBAIJAN 650 BANGLADESH 652 BHUTAN, KINGDOM OF 654 BRUNEI 656 BURMA 657 GEORGIA 658 HONG KONG 660 INDIA 662 INDONESIA 664 KAMPUCHEA 665 KAZAKHSTAN 666 KOREA, REPUBLIC OF 667 KYRGHYZSTAN 668 LAOS 670 MACAU 672 MALAYSIA 674 MALDIVES, REPUBLIC OF 676 NEPAL 678 PAKISTAN 680 PHILIPPINES 682 PORTUGUESE TIMOR 684 SIKKIM 686 SINGAPORE

688 SRI LANKA 690 TAIWAN 691 TAJIKISTAN 692 THAILAND 693 TURKMENISTAN 695 UZBEKISTAN 701 SOUTH AFRICA, REP OF 702 ALGERIA 704 ANGOLA 706 BOTSWANA 708 BURUNDI 710 BR.INDIAN OCEAN 712 CAMEROON 714 CAPE VERDE ISLS 716 CENTRAL AFRICAN REP718 CHAD 720 COMORO ISLS 722 CONGO,PEOPLES REPUB. 724 BENIN 726 EQUATORIAL GUINEA 727 ERITREA728 ETHIOPIA 730 DJIBOUTI 732 GABON 734 GAMBIA 736 GHANA 738 GUINEA 740 GUINEA-BISSAU 742 IVORY COAST 744 KENYA 746 LESOTHO 748 LIBERIA 750 MADAGASCAR(MALA. REP.)752 MALAWI 754 MALI 756 MAURITANIA 758 MAURITIUS 760 MOROCCO 762 MOZAMBIQUE 764 NAMIBIA 766 NIGER



768 NIGERIA 770 REUNION ISLANDS 772 ZIMBABWE 774 RWANDA 776 ST. HELENA 778 SAO TOME AND PRINCIPE 780 SENEGAL 782 SEYCHELLES 784 SIERRA LEONE 786 SOMALIA 788 SPANISH SAHARA 790 SUDAN 792 SWAZILAND 794 TANZANIA 796 TOGO 798 TUNISIA 800 UGANDA 802 BURKINA FASO 804 ZAIRE 806 ZAMBIA 812 AUSTRALIA 814 COCOS (KEELING) 816 HEARD AND MACDONALD 818 NAURU 820 NORFOLK ISLANDS 822 PAPUA NEW GUINEA 824 NEW ZEALAND 826 COOK ISLANDS 828 NIUE ISLANDS 830 TOKELAU OR UNION ISL. 832 SAMOA AMERICAN 834 ANTARCTICA 836 SOLOMON ISLS 838 CANTON/ENDERBUR 840 CHRISTMAS ISL 842 FIJI 844 FR POLYNESIA (TAHITI) 846 KIRIBATI 848 GUAM 850 JOHNSTON ISLAND

852 MIDWAY ISLANDS 854 NEW CALEDONIA 856 VANUATU 858 PACIFIC ISL.(TR.TERR) 860 PITCAIRN ISLANDS 862 TONGA 864 U.S. MISCELLANEOUS 866 WAKE ISLAND 868 WALLIS AND FUTUNA ILS 870 WESTERN SAMOA

Documents

CIBC Branch Account Open - Joint & Youth Flow Interactive ... · Wireframes Prepared for: Michele Poole, Director User Experience and Creative Design CIBC - Internet Channel, Retail