CONFIDENTIAL Corporate Banking Meet your complex lending and cash management requirements with a full range of solutions tailored to your specific needs. February 2016

Corporate Banking We offer a broad set of capabilities to help finance your business activities and manage your daily transactional requirements. 1 Bloomberg Markets, CONFIDENTIAL Corporate Banking supports a wide range of industry sectors and is comprised of three business areas ― Corporate Lending & Syndicated Loans, Corporate Cash Management and Global Banks Corporate Lending & Syndicated Loans provides senior corporate financing and day-to-day lending as well as acquisition and project-level financings −Provides highly-customized financing solutions drawing on deep industry and market expertise Corporate Cash Management works closely with your company’s treasury department to ensure the effective management of your business' operating and investment funds −Delivers a full suite of treasury services to efficiently manage your operational banking needs Global Banks collaborates with various internal partners to provide a range of capital markets products and services to banking clients −Reaches across groups in CIBC Capital Markets to provide debt and equity capital markets, trading and transactional services CIBC is the strongest publicly traded bank in Canada — and the only North American bank in the ranking for the last five years 1 1

Corporate Lending & Syndicated Loans Finance ongoing activities and capitalize on market opportunities with our lending products. 2 1 Thomson Reuters Bookrunner League Table (2015). 2 Bloomberg Mandated Lead Arranger League Table (2015). CONFIDENTIAL Our Lending team combines deep industry expertise and knowledge of their clients with strong structuring skills to craft highly-customized solutions We work in partnership with all lines of business within CIBC to deliver an integrated set of capabilities We are a significant arranger of syndicated loans in Canada and provide lending capabilities in Canadian, U.S., European, Australian and Asian markets Our U.S. Real Estate Finance team provides financing of all property types with an emphasis on office, retail, multi-family, industrial and hotel properties Our Trade Finance team works with you to structure and facilitate international trade transactions, mitigate payment risks, support cash flow requirements and provide trade-related financing We provide: General corporate purpose financing Working capital financing Acquisition financing Project financing Bridge financing Real estate financing #1 in the Canadian Syndicated Loan Market (by value and number of deals led) 1 #2 in the Canadian Syndicated Loan Market (by value and number of deals led) 2

Corporate Cash Management Meet your complex cash management needs with a full suite of payables, receivables, liquidity and information management solutions. 3 CIBC Cash Management Online TM is a trademark of CIBC. CONFIDENTIAL Our specialists understand the unique nature of different industries and how that translates into specific cash management and deposit requirements We work closely with your company’s treasury team to meet your day-to-day transactional and reporting needs Payables Management − Enables you to make payments efficiently, accurately and securely Receivables Management − Helps improve the speed at which you collect receivables and put those funds to use Treasury Management − Lets you easily stay on top of your company’s cash flow Liquidity Management − Helps you optimize your return on operational and surplus balances CIBC Cash Management Online TM (CMO) provides secure, 24/7 access to a comprehensive suite of products, including strong payment, reporting and client administration capabilities

Global Banks Access a variety of capital markets products and services for global banks. 4 1 Greenwich Associates 2015 Canadian Large Corporate Trade Finance Study. CONFIDENTIAL Clients turn to us for a range of capabilities, including debt and equity capital markets, trading and transactional services We manage each relationship holistically, working closely with our various internal partners to address your needs in a coordinated and efficient fashion Among Canadian banks that offer CAD payments processing services, we are a major provider of funds transfer services −Treasury settlements include the Continuous Linked Settlement (CLS) payments where we are the nostro service provider as well as the founding shareholder and CAD liquidity provider We are also the only Canadian bank with full ownership of a statement and cheque processing unit through INTRIA, a domestic leader in payment and information processing services Our Trade Finance team structures and facilitates international trade transactions, mitigates payment risks, supports cash flow requirements and provides trade-related financing CIBC Capital Markets is a 2015 Greenwich Share Leader in Canadian Large Corporate Trade Finance Market Penetration 1 Fund transfer services include: Commercial payments Cash settlement of securities Customer transfers to beneficiaries in Canada Foreign currency payments to Canada Paper clearing Treasury settlements