WealthONE Bank vs CIBC Structured Notes

WealthONE Mobile App allows you to securely and efficiently manage your finances wherever you are. Bank on the go with WealthONE Bank Our new app gives you an improved look and feel, easy navigation, and additional security for your protection: •Manage your WealthOne accounts •View account activity, balances, and recent transactions •With Quickview, you can view your account balances onscreen without having to log in, convenient for when you’re standing in the checkout line •Login fast with secure access via biometric login •Transfer funds or pay bills now or set them up for future dates •View and edit upcoming bills and transfers •Send, request, and receive money within Canada using Interac e-Transfer •Get alerts about your accounts •Compatible with iPhone and iPad If you are not a WealthOne Bank member with online/mobile banking, you can still use the head office locator and contact information. CONSENT: By downloading the WealthONE Bank Mobile app, you consent to the installation of the app and any future updates or upgrades. You may withdraw your consent at any time by deleting or uninstalling the app from your device. Permission: When you install the app, it will ask for permission to access the following functions of your device: Location services – allows the app to use your device's GPS to find the bank office Camera – allows the app to use device camera to take picture of cheque Contacts – allows you to create new INTERAC® e-Transfer recipients by selecting from your device contacts. Using the app: It couldn’t be simpler, sign on the same way you do for your online banking account. If you are not already signed up for online banking, contact Virtual Services at 1-866-392-1088 or visit our head office.

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/#/