CIBC RetireeNews

1 CIBC RetireeNews 20211 CIBC RetireeNewsOnline Edition 2021 CIBC RetireeNews 20211 Dear CIBC retirees,I hope this message finds you and your family well after what has been a year like no other. As a retiree of our bank, you know first-hand the dedication and commitment that our CIBC team shows in the face of a challenge. As the COVID-19 pandemic set in over a year ago, our team honoured our history and lived our purpose to help make our clients ambitions a reality. It was our purpose that remained our north star as we took decisive, early action at the onset of the pandemic to support our clients, team members and 2020, we assisted more than 500,000 clients through a range of payment deferral programs on mortgages, loans and credit cards. We were also the first bank to announce reduced interest rates on credit cards for those facing financial hardship.

2 In addition, we also provided front-of-the-line access to seniors and persons with disabilities to help them stay safe, and worked closely with governments to launch relief options for business team has been the face of our bank through the pandemic. Steadfast, professional, and resolute. We re proud of them, and we re committed to taking care of them. We ve introduced a number of measures to help our team members, including additional paid days off as needed, flexible leave options to help them care for loved ones, and additional support for our team s health and to their tremendous efforts, our bank delivered a resilient financial performance in fiscal 2020 with earnings of $ billion Canadian dollars, and a very strong capital position giving us the flexibility to manage through changes in the environment, to continue to support our dividend, and allowing us to invest in our business to enable future also continued our proud annual traditions of supporting our communities.

3 CIBC Miracle Day, where our traders donate their commissions for the day to the CIBC Children s Foundation, raised $ million in 2020. The Canadian Cancer Society CIBC Run for the Cure was reimagined as a virtual event with more than 6,500 team members raising $2 million for breast cancer research and know many of you find purpose in giving back to your communities, and I recognize that the pandemic has made this a challenge. I want to thank you for giving your time and dollars so generously over the years, and as the world returns to our new normal, I hope that you ll continue to give back through the Benevity platform where you can support any registered Canadian charity of your you for your continued support and for helping to build a strong foundation for safe and well, and we ll talk again G.

4 Dodig President & CEOA year for the history booksCIBC RetireeNews 20212 Explore online resources Current and future CIBC retirees have access to two online resources that are available 24 hours a day, seven days a week from anywhere in the world. These resources provide you with easy access to a wide variety of retiree information and services to help you stay connected and Retiree group on Facebook Join the 4,400+ CIBC retirees on Facebook to reconnect with friends and past colleagues and share stories and photos. Through this group, you will also find information on: Social group contact information and events Pension annual reports Employee banking offers Retirements and in memoriams Health and wellbeing articles CIBC s Benevity program (giving and volunteering) CIBC Retiree NewsletterYou can join the Facebook group, even if you don t want to complete a full profile.

5 All requests to join the CIBC Facebook group are reviewed so that membership is granted only to current and future CIBC retirees including alumni. You can access the group by going to and clicking the link under the Facebook RetireeNews 20213 CIBC Retiree webpage No sign-on required! Visit to: Search or sign-on to do your online banking View CIBC news releases Read the latest edition of the Retiree Newsletter Sign-on to Benevity to make or track your donations/volunteer time Access useful links and important contact information to: myBenefits, Employee Banking Offers, Facebook, Sun Life, WorkPerks, the Employee & Family Assistance Program, Wellness Checkpoint, travel medical insurance and The Personal Share your email with us Want to stay up-to-date on the latest retiree news?

6 Update your current email address on myBenefits. 1. Go to myBenefits 2. On the top menu, select Your Profile 3. Select Personal Information from the drop down menu 4. Look for Email Addresses and click Change 5. Add or update your email address and mark it as Preferred 6. Click Save 7. Program, Wellness Checkpoint, travel medical insurance and The Personal You can also call the Human Resources Contact Centre at RetireeNews 20214 Pandemic Diaries Retiree stories and photosKathy DesjardinsI embrace this new normal. We were fortunate in that we were never restricted from getting day, I was either down on the beach, or hiking in the woods. My fitness level improved to km hikes with my dog and 2 or 3 socially distancing hiking can t travel, but I am participating in an online virtual Camino de Santiago challenge daily.

7 Next I think I will do the Ring of LambertI created a Gingerbread House Competition to virtually connect with my daughters and granddaughters across the continent over the holidays. Thanks to technology, we came together from Juneau, Alaska; Franklin, Tennessee; Portland, Oregon; Calgary, Alberta; Ottawa, Ontario; and Brossard, Quebec. Unanimously, it is agreed that, COVID or no COVID, we will do this again next year!Vincent VermetteI started my retirement from CIBC in February 2020, just as the pandemic was taking hold. I said goodbye to my retirement plans of travel, gym, courses, etc. I m a passionate handyman. I came up with an idea to make wooden children s toys. My first attempts included a drawing-puzzle made of bare wood for Laurent, my grandson (see photo).

8 Now, I m making toy learning kits for kindergarten at the Duverger school, a school that I helped build in Haiti. My goal is to make free wooden toys for children in need in my F Hilary (Larry) Waters I started a blog. This is the welcome page that describes its COVID motivated genesis. RetireeNews 20215 Margaret NeweyBefore the pandemic, my retirement life was full of sewing clubs, sewing classes, Quilt Guild and regular lunches with my retired friends. I was just finishing a quilt I made for my great niece in England before the lockdown (see photo). Sewing was not essential, so everything came to a sudden halt. Many sewing stores have since re-opened their classrooms for virtual learning via Zoom. I ve been attending virtual sewing classes from different locations across North America.

9 I currently have sixteen classes on the go! I m also looking forward to resuming pre-pandemic retirement activities Panayiotopoullos I am very lucky to have my family. On Sundays, we cook together. My two sons (22 and 20) have turned out to be the better cooks. My husband and I are the designated tasters. People who know me, also know that every weekend year round, we used to get together and celebrate with our extended family (sisters, brothers and friends). We miss them a lot, but we stay connected via Facetime and we celebrate a little differently. We encourage each other. We have to stay positive. We must stay together!Diane Campeau The pandemic made me discover a new passion during the winter. We started to cross-country ski as a family and really enjoyed it.

10 It really is a great sport and a great family activity. During the summer period, I cycle a lot. I keep in touch with my friends and family through technology. I can t wait to get back to normal, but the pandemic has still brought positive things. Doris Britski I have been so grateful to have my cat to get me through this past year. I also thought everyone should have a cat during a lockdown, so I made 30 handstitched wool cat bookmarks to send to family and friends. I also made a group of cat dolls for myself. My favourite is Willie Cat based on Willie Nelson. I ve also spent time painting, using paint-by-number kits. These are just some of my activities that have kept me busy during the RetireeNews 20216 Pandemic Diaries Retiree stories and photosMaureen PhelanIt wasn t long after the pandemic started that the boredom and the itch to be busier hit me.