CIBC Mobile Wealth vs BudgetOS

Build your wealth with the CIBC Mobile Wealth App Access your accounts with CIBC Investor’s Edge, CIBC Imperial Investor Services, CIBC Wood Gundy and CIBC Private Investment Counsel – all in one place to monitor your investments. Are you an Investor’s Edge client? With your CIBC Investor’s Edge account, you can also discover investment ideas, trade on the go and never miss an opportunity. Choose from stocks, ETFs, cypto ETFs, options, mutual funds, GICs, bonds and more. Trade in CAD or USD in your TFSA, RRSP, FHSA, RESP, as well as many other registered and non-registered accounts. Get the benefits of our powerful desktop platform on the app. Take advantage of advanced order types, trading in extended hours, and research tools to evaluate investing ideas. Make saving easy by automatically adding money from your bank account each week or month. You can also automatically reinvest your dividends too. Enjoy low pricing to help your money go further. Plus, there’s no minimum account balance. Investor’s Edge, Imperial Investor Service and Wood Gundy clients can: Monitor investments Know exactly how your accounts are doing with detailed information, including intraday and daily change values, book values and total gains or losses. Use customizable charts Identify trends and trading opportunities, and analyze stock performance with interactive and customizable charts. You can also access advanced charts through Quotes and Research. Access eDocuments Whether it’s your trade confirmations, account statements or your tax documents, they’re all available on the go. CIBC Private Investment Counsel clients can: You can view your portfolio and portfolio holdings, which include book value, market price and market value. Get your My Investment Counsellor information If you need to get in touch on the go, your My Investment Counsellor details are available on the app. And as always, you’re protected by the CIBC Digital Banking Guarantee. Important info to know LANGUAGES English and French PRIVACY Your privacy and security come first. Learn more (https://www.cibc.com/en/privacy-security.html). LEGAL Ready to download the CIBC Mobile Wealth App? Great! When you do, it means you consent to the installation and any automatic updates/upgrades. Heads up – the app might: - Communicate with our servers to deliver features/functionality and record usage - Affect preferences or data stored on your device - Collect, use and disclose personal info, per our privacy policy Uninstall the app to withdraw consent. Your service provider might charge you fees to access our app. Check with them if you have any questions. NEED HELP? CONTACT US: CIBC Investor’s Edge https://www.investorsedge.cibc.com/en/contact-us.html CIBC Imperial Investor Services https://www.imperialinvestor.cibc.com/en/contact-us.html CIBC Wood Gundy https://www.woodgundy.cibc.com/en/contact-us.html CIBC Private Investment Counsel https://www.cibc.com/ca/private-wealth-management/find-advisor.html Or the old-fashioned way: CIBC Head Office, 81 Bay Street, CIBC Square, Toronto, Ontario, Canada M5J 0E7 DISCLAIMERS CIBC and related marks are trademarks of CIBC. To use the CIBC Mobile Wealth App, you must first be registered for online access.

Money stress is usually just missing information. BudgetOS turns the chaos of statements, bills and goals into one calm, clear picture — so you always know where your money goes. Import a statement from Canada's major banks, watch every transaction sort itself into categories, and finally feel in control. In the U.S., connect your bank or card through Plaid (read-only); statement import supports Canadian bank formats and CSV. WHAT YOU CAN DO • Import bank statements — PDF or CSV from RBC, TD, CIBC, Scotiabank, BMO, Wealthsimple and more. Read on your device, then auto-categorized. • See your spending on a calendar — a colour-coded heatmap that surfaces your heavy days at a glance. • Set budgets that stick — a live limit per category with plain nudges instead of guilt trips. • Give yourself a wants number each month and see wants, not-planned and the small stuff beside what's left. • Plan ahead — a projected calendar maps your bills, subscriptions and expected expenses across the month. • Reach your goals — set a target and BudgetOS projects your pace, so "someday" finally gets a real date. • Stay on top of bills & subscriptions — due dates, effective monthly cost, and automatic recurring-charge detection. • Get a daily health check — spending pace, savings outlook, and which categories are under budget. • Make it yours — light, dark or automatic themes, accent colours, and a customizable home screen. PRIVATE BY DESIGN • Statement files are parsed on your device — a file is sent to us only if you choose to send it for import help, and is deleted from our storage within 90 days. Every figure is verified to the penny against your statement. • Every account is isolated with database-level security. • Passwords are hashed — never stored in plain text — and checked against known breaches. • Optional Face ID / Touch ID lock. No ads, no third-party data brokers, and we never sell your data. Free to start, with everything you need to build the habit. Canadian-owned. Start budgeting smarter today. SUBSCRIPTIONS BudgetOS Plus — $5.00 CAD per month, or $50.00 CAD per year. BudgetOS Premium — $10.00 CAD per month. Payment is charged to your Apple Account at confirmation of purchase. A subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period, and your account is charged for renewal within 24 hours before the current period ends. You can manage or cancel your subscription in your Apple Account settings after purchase. Deleting the app does not cancel a subscription. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://budgetos.ca/privacy.html Terms of Service: https://budgetos.ca/terms.html