Investor Presentaiton

Diversification is Key to a Stable Wholesale Funding Profile Wholesale Funding Diversification Geography Instrument Investor Term • • Well diversified across products, currencies, investor segments and geographic regions Achieve appropriate balance between cost and stability of funding Regular issuance to promote investor engagement and secondary market liquidity. Well balanced maturity profile that is reflective of the maturity profile of our asset base CIBC CIBC Fixed Income Investor Presentation | 25

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