February 4, 2020 CIBC Statement Our Electronic Access Agreement reflects industry best practices and regulatory requirements that protect our clients each and every day. It is regularly reviewed to ensure that protections and guarantees for clients keep pace with the evolving banking landscape, and is supported by dispute resolution channels and stringent regulatory oversight that help ensure trust and fairness in decision-making. We are here to help our clients understand how our protections and guarantees apply, and make ongoing efforts to provide resources to help clients protect themselves from fraud. Tom Wallis, ABC Senior Director, CIBC Communications & Public Affairs