Interest is credited to your account from the last business day of the interest period. However, interest cannot be withdrawn and is not printed at CIBC branch terminals or ATMs until two business days after the end of the interest period or is made available through CIBC Telephone Banking or CIBC Online Banking®. The interest rates shown are annual and subject to change without notice and are posted on the branch`s interest sheets. 12 Return costs are deducted from receipt of payment before the money is deposited into the account. 2 In addition to transaction fees, if applicable for the account. Some ATMs may charge additional fees. 10. Instructions: You acknowledge that any instructions you give us are final. You agree that we may rely on your instructions (including your electronic acceptance of this and other online agreements) as if you had provided us with a hard copy. You agree that you are responsible for transactions made on the basis of your instructions and for any losses that may result from such transactions. You agree that we may record your instructions and, if you provide instructions over the phone, that we may record your voice or responses and that you agree to such recording. Our records of your instructions are binding on you in the event of any dispute, including possible legal action, unless you clearly prove that our records are false or incomplete.
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