Capital Markets & Funding Strategies

M Culture of Connectivity and Innovation Delivering Leading High-Touch, Modern-Day Solutions CIBC CIBCO CIBC Square, CIBC's new global headquarters Leveraging technology and data to modernize and enhance client experience • • • CIBC GoalPlanner, our comprehensive financial planning platform, driving improved mutual fund net flow and client experience scores New installment option feature with VISA on qualifying purchases during checkout, building on the-popularity of CIBC's post-purchase installment plan, CIBC Pace-It CIBC Insights, a new feature utilizing Al and machine learning to provide mobile banking clients with insights to make more informed financial decisions Digital identity verification, offering fast, easy and secure onboarding for new CIBC clients using our website or mobile banking app Innovative solutions to support growth • • • Continued investment in our travel and non-travel cards to further enhance our offer and provide flexibility to our clients Introduced new products in our Direct Financial Services business, including U.S. dollar accounts, new and expanded services in remittances and foreign exchange Together with NEO Exchange and CIBC Mellon, launched the first-ever Canadian Depositary Receipts, allowing Canadians to invest in global companies through fractional share ownership with a built-in notional currency hedge Investing in leading edge technologies • Cloud-first strategy enabling faster, real time, data-driven decisions and enhancing the client experience 10

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