Covered Bond Program Overview

Our Strategic Business Units • Canadian Personal & Business Banking Providing clients across Canada with financial advice, products and services through advice centres, mobile, online and remote channels Helping our clients achieve their ambitions each and every day . Canadian Commercial Banking & Wealth Management High-touch, relationship-oriented commercial banking and wealth management, and asset management Building and enhancing client relationships and generating long-term consistent growth • U.S. Commercial Banking & Wealth Management High-touch, relationship-oriented commercial, personal and small business banking, and wealth management services Developing deep, profitable relationships leveraging full complement of products and services Capital Markets Integrated global markets products and services, investment banking, corporate banking solutions and top-ranked research. Includes Direct Financial Services to deliver digitally enabled capabilities. Delivering best-in-class insight, advice and execution Personal Banking • Affluent Business Banking ⚫ Entrepreneurs CIBC◇ DIVERSE CLIENTELE · Affluent High-Net- Worth ⚫ Entrepreneurs ⚫ Middle-Market Companies • Entrepreneurs Governments High-Net-Worth . • Entrepreneurs • Middle- Market Companies • Corporates ⚫ Governments . • Personal Banking ⚫ Affluent ⚫ Business • Banking ⚫ Entrepreneurs Middle- Market Companies Corporate ⚫ Government • Institutional 571 465 67 490 17

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