Investor Presentaiton

Exposure to vulnerable sectors represents 2% of our lending portfolio Leisure & Entertainment Loans Outstanding Retailer Loans Outstanding Air Transport 17% Restaurants 31% $3.8B Hotels/Motels 12% Amusement & Recreation 40% 1 • 25% of drawn loans investment grade² • The U.S. comprises 16% of drawn exposure Other Retail 10% Retail Clothing 3% • Auto Dealers 44% $4.3B Department & Convenience Stores 7% Household Furnishing Stores 6% Auto Parts Retailers 12% Food, Beverage & Drug-Retail 18% 44% of drawn loans investment grade² The U.S. comprises 5% of drawn exposure CIBC 1 Includes amusement services, gambling operations, sports clubs, horse racing, movie theaters, ski facilities, golf courses, etc. 2 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB-/Baa3 or higher CIBC Fixed Income Investor Presentation | 44

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