ScotiaConnect Business Banking vs CIBC Structured Notes

Use the ScotiaConnect Mobile app for day-to-day business banking. Transfer funds, pay bills, approve payments, and view balances and transactions – right from your mobile device. Plus, the app works seamlessly with the Scotiabank Digital Token app. That means you can securely sign in without a physical token. NOTE: To use the app, you first need to register on the ScotiaConnect Digital Banking portal. Contact your Scotiabank representative to help you get started. Important Notice – Read Before Installing: By pressing the button above and installing the ScotiaConnect Business Banking app published by Scotiabank, (known as ‘the app’) you: (i) acknowledge, understand, and agree that the app may contain the functions and features described below, and (ii) Consent to the installation of this app, including the below functions and features, and to any future updates or upgrades to the app which may be automatically installed (depending on your device settings). This ScotiaConnect Business Banking app may: - Collect your Device ID and User ID; We may use and disclose the information that you provide to us in accordance with your account agreement(s) and the Scotiabank Privacy Agreement (scotiabank.com/ca/en/about/contact-us/privacy/privacy-agreement.html). You can withdraw your consent to these features and future installations by deleting this app or by contacting hd.ccebs@scotiabank.com for assistance. After you delete the app, you will no longer be able to use it unless you reinstall it and provide your consent again. If you have any questions about the app, please email us at hd.ccebs@scotiabank.com so we can help. The Bank of Nova Scotia 44 King St. West, Toronto ON, M5H 1H1 https://www1.scotiaconnect.scotiabank.com/scoc/secured/home/home.bns

SEE BELOW FOR IMPORTANT DISCLOSURES CIBC Structured Notes. Market exposure on your own terms. Your one-stop access for customized investment solutions that allow you to invest based on your risk appetite and market views. FEATURES Securely access the CIBC Structured Notes App account with your fingerprint, face ID or password. Access the Education Centre with videos and articles to help you understand Structured Notes and Market-linked GICs View current offerings and previously issued CIBC Structured Notes and Market-Linked GICs Compare CIBC Structured Notes and Market-Linked GICs currently available Select products that you are interested in and view the relevant details, historical performance and disclosure documents Download your personalized Holdings Reports Download Performance Snapshot reports for the Structured Notes and Market-Linked GICs you hold in your portfolio Monitor the Structured Notes and Market-Linked GICs added to your watchlist and key upcoming dates/events LANGUAGES English and French PRIVACY Your privacy and security comes first. Learn more about how CIBC is committed to protecting you by visiting https://www.cibc.com/en/privacy-security.html LEGAL By downloading the CIBC Structured Notes App, you consent to the installation of this App and to any future updates or upgrades which may be automatically installed depending upon your device or operating system’s default settings or the settings you have selected. The app (including any updates or upgrades) may: (i) cause your device to automatically communicate with our servers to deliver the features and functionality described in the app description or through new features as they are introduced, and to record usage metrics; (ii) affect preferences or data stored on your device; and (iii) collect, use and disclose personal information as set out in our Privacy Policy. You can withdraw your consent at any time by uninstalling this App. For assistance, contact CIBC at the contact information below. CONTACT For support questions on the CIBC Structured Notes App, please contact support-structured-notes@cibc.com For questions on CIBC Structured Notes, please visit: https://notes.cibc.com/#/contactus Address: Wealth Solutions Group, 161 Bay Street, 5th Floor, Toronto, Ontario, Canada M5J 2S8 Website: https://notes.cibc.com/#/