CIBC Structured Notes vs Scotia Wealth Management®

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/#/

The Scotia Wealth Management app offers account access on the go. You can view your portfolio and account details, see your asset mix, download statements and tax slips and more. For optimal performance and security, update your device to the latest version of iOS. Important Disclosures: By pressing the button above or by downloading the Scotia Wealth Management app, you consent to its installation, including the functions and features described, and to future updates or upgrades (which may be automatically installed depending on your device, operating system, or user-initiated settings). You can withdraw your consent at any time by deleting this app from your device or get instructions on how to remove the app by contacting us at the address below. After you withdraw consent, you will no longer be able to use the Scotia Wealth Management app unless you reinstall it and provide your consent again. We may use and disclose the information that you provide to us in accordance with your account agreement(s) and the Scotiabank Privacy Agreement (https://www.scotiabank.com/ca/en/about/contact-us/privacy/privacy-agreement.html). Scotia Wealth Management 40 King Street West Toronto, Ontario M5H 1H1, Canada wealthappsupport@scotiabank.com https://www.scotiawealthmanagement.com/ca/en.html Disclaimers: Scotia Wealth Management does not sell, promote, or otherwise provide financial services or products referred to in this app outside of Canada. You should not access this app if you are not a resident of Canada. If you download the Scotia Wealth Management app, you must review, and are subject to, the terms & conditions found under the Legal link on ScotiaWealthManagement.com as all applicable agreements between you and any Scotiabank company, including but not limited to: • Digital Access Agreement (Electronic Access Agreement) • Scotia Wealth Management and Scotia iTRADE Online Access Agreement • Scotia Wealth Management mobile Terms & Conditions *The Scotia Wealth Management app is operated by Scotiabank and Scotia Wealth Management. Contact information for these entities is available at https://www.scotiabank.com/ca/en/personal.html or https://www.scotiawealthmanagement.com/ca/en.html. Scotia Wealth Management® is a registered trademark of The Bank of Nova Scotia, used under licence. Scotia Wealth Management® consists of a range of financial services provided by The Bank of Nova Scotia (Scotiabank®); The Bank of Nova Scotia Trust Company (Scotiatrust®); Private Investment Counsel, a service of 1832 Asset Management L.P.; 1832 Asset Management U.S. Inc.; Scotia Wealth Insurance Services Inc.; International investment advisory services are provided by Scotia Capital Inc. and ScotiaMcLeod®, a division of Scotia Capital Inc. For more information on the services provided by Scotia Wealth Management, visit www.scotiawealthmanagement.com. Scotia iTRADE® (Order-Execution Only) is a division of Scotia Capital Inc. (“SCI”). SCI is a member of the Canadian Investor Protection Fund and is regulated by the Canadian Investment Regulatory Organization. Scotia iTRADE does not provide investment advice or recommendations and investors are responsible for their own investment decisions. ® Registered trademark of The Bank of Nova Scotia, used under license. Touch ID, Face ID, Siri and iMessage are trademarks of Apple Inc., registered in the U.S. and other countries.