Canadian Bail-in Regime Update

Cover Pool (January 2024) CIBC % of Current Loan Balance % of Current Loan Balance 40% Remaining Term 35% 30% 25% 20% 15% 10% 5% 0% 0-10 11-20 21-30 31-40 Months 41-60 51-60 61+ 20% 15% 10% 5% Current Indexed Loan to Value 0% 0-30 30-35 35-40 40-45 45-50 50-55 LTV % 55-60 60-65 65-70 70-75 75-80 >80 Prince Edward Island New Brunswick Manitoba Saskatchewan Nova Scotia Newfoundland and Labrador Quebec Alberta British Columbia Ontario 0% 5% Townhouse,_ 5.32% Semi-Detached,. 5.85% Other, 0.47%. Multi- Residential,. 4.76% Geographic Distribution 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% % of Current Loan Balance Property Type Condominium, 16.41% Detached, 67.19% % of current loan balance 41

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