CIBC Mobile Banking vs Umotu

FIND IMPORTANT DISCLOSURES BELOW The CIBC Mobile Banking App has received the highest ranking in customer satisfaction in Canada, according to a 2025 study from J.D. Power. We’re always striving to make our app do more for you. FEATURES - Securely access your accounts with your fingerprint, face ID or password. - Receive one-time verification codes and push notifications securely. - Apply for bank accounts or credit cards and view your application status in real time. - Get a snapshot of all your accounts in the same place, anytime. - Use Apple Pay at payment terminals. - Set up instant, post-dated or recurring payments. - Deposit cheques in a flash — all you need is to take a picture with your phone. - Send and receive money instantly with Interac e-Transfer. - Quickly search for branches, banking hours, bank machines and mortgage advisors near you. - Receive your free TransUnion credit score directly in the app, without affecting your score. - Our Travel Tools feature a currency converter, helpful tips and emergency numbers for while you’re away. - Our Virtual Assistant is available 24/7 to answer your banking questions and is able to perform everyday banking transactions on your behalf. LANGUAGES Supports English and French PRIVACY Your privacy and security comes first. For more information, please review our privacy policy, which is available at any banking centre or online at https://www.cibc.com/privacy and tells you more about your privacy rights and choices. LEGAL By downloading the CIBC Mobile Banking 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) collect, use and disclose personal information as set out in our Privacy Policy; and (iii) affect preferences or data stored on your device. You can withdraw your consent at any time by uninstalling this App. For assistance, contact CIBC at the mailing address below. CONTACT For your banking questions, please visit: https://www.cibc.com/en/contact-us.html. Telephone Banking: 1-800-465-2422 Address: CIBC Head Office, 81 Bay Street, CIBC Square, Toronto, Ontario, Canada M5J 0E7 Website: https://www.cibc.com

Open participation. Daily rewards. Umotu is a phone-first, non-custodial wallet and participation app. Your phone performs lightweight checks that help secure a public network. In return, eligible participants can earn daily rewards. Rewards are variable and not guaranteed. For orientation only: at launch, Umotu is designed around a reference target of about $10/day per active participant, but actual rewards can be much lower (including pennies per day) or higher depending on participation and market conditions. WHAT YOU CAN DO • Create or import a self-custody wallet (you control the keys) • Complete a quick human verification to reduce bots and duplicates • Let your phone run lightweight Data Availability checks in the background • View and claim rewards in supported stablecoins or UMT (where available) • Send and receive payments with low fees • Vote on community proposals in the governance tab HOW REWARDS WORK • Daily emissions are capped at up to 0.01% of the remaining pool (~3.65%/year max) • Per-user rewards vary with the number of eligible participants and market conditions • Sentinel (advanced) participants may also earn a share of network fees and bids (if enabled) STABLECOINS (OPTIONAL) • Stablecoins are issued by third parties and may have issuer-specific risks (e.g., depegs, freezes, redemption limits) • Stablecoin support depends on what is available on the network and in your chosen wallet DESIGNED FOR EVERYDAY USERS • Simple onboarding with support for 32 languages • Privacy by design: biometric templates are kept off-chain; you can request deletion anytime • Export recovery phrase and private key for advanced users IMPORTANT NOTES • Rewards are variable and not guaranteed • Umotu is non-custodial—only you control your wallet and recovery phrase • Network features and asset support may change over time Learn more at https://umotu.com