Investor Presentaiton

CIBC Funding Strategy and Source Funding Strategy • CIBC's funding strategy includes access to funding through retail deposits and wholesale funding and deposits • CIBC updates its three-year funding plan on at least a quarterly basis • The wholesale funding strategy is to develop and maintain a sustainable funding base through which CIBC can access funding across many different depositors and investors, geographies, maturities, and funding instruments Wholesale Funding Sources Wholesale deposits Canada, U.S. Credit card securitization Canada, U.S. 60 00 Wholesale Market (CAD Eq. 152.3BN), Maturity Profile Secured 50 50 Unsecured 40 40 20 20 Mortgage securitization Global MTN programs Z30 programs 33 30 7 21 11 CIBC Less than 1m 1m-3m 3m-6m 6m-12m 1y-2y Over 2y 10 Covered Bond program 17 14 Structured Notes 12 Source: CIBC Annual Report 2020 CIBC Fixed Income Investor Presentation | 26

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