9629 P-2017/08 Page 1 of 3 Line of Fees and Services

Counter Cheques When you write a cheque that is not MICR-encoded for your line of credit account $5.00 ● Canadian Currency $5.00 US Min ● U.S. Currency (0.05% of face value) $100.00 US Max Over Limit Fee If you exceed the credit limit on your PLC, an over limit fee is charged once during any statement period and is added to the principal amount owing under your PLC. This fee will be charged once in each statement period that your balance remains over your credit limit. This fee is not charged if, during a statement period, you exceed your credit limit solely due to insurance premiums or interest charged during the statement period. $29.00 Stop Payments ● Cheques/Pre-Authorized Payments - Full details provided $12.50 ● Cheques/Pre-Authorized Payments - Full details not provided $20.00 ● On e-TransferTM $3.50 Interac e-Transfer ● Sending an e-Transfer Free ● Receiving an e-Transfer Free ● CIBC levies no fee to receive an Interac e-Transfer into a CIBC Canadian Dollar Line of Credit account; however, if the account is not at CIBC, the recipient may be levied a fee by his/her own financial institution or by the provider of the Interac e-Transfer service. Retrieval of Cheque or Other Item Note: Certified cheques and debit memos are not returned. $5.00 Retrieval of duplicate copy of Line of Credit Statement $5.00 Dishonoured (NSF) Cheque or Pre-Authorized Payment $45.00 Withdrawals Made at Bank Machines Not Displaying the CIBC Name or logo: ● In Canada (Interac® Network) $2.00** ● In U.S. (* and VISA* networks) $3.00** ● Outside of Canada (Plus and VISA networks) $5.00** ** You are charged the same foreign exchange conversion rate CIBC is required to pay, plus an administration fee of 2.5% of the converted amount and the fee noted. Conversion to Canadian dollars may occur on a date other than the date of your transaction; therefore, the conversion rate may be different from the rate in effect at the time of your transaction. Some bank machines may levy additional surcharges. Cheques Written in Currencies Other Than the Line of Credit Account Currency $20.00 CDN

Wire Payments and Inter-Branch Payments Outgoing Wire Payments

● $10,000 or less $30.00 per payment4 ● $10,000.01 to $50,000 $50.00 per payment4 ● Greater than $50,000 $80.00 per payment4 Inter-Branch Payments (between CIBC branches in Canada) ● $10,000 and under $15.00 per payment ● Over $10,000 to $25,000 $30.00 per payment ● Over $25,000 to $100,000 $60.00 per payment ● Over $100,000 $100.00 per payment NOTE: Additional fees may apply. Incoming Wire Payments ● Canadian and U.S. currency $15.00 per payment5 charged in the same currency as the incoming payment ● Other currencies $15.00 CDN per payment5 (equivalent fee charged) in the same currency as the incoming payment using an exchange rate set by CIBC 9629 P-2017/08 Page 2 of 3 Line of Credit Fees and Services

Wire Payment Investigation Fee (for Recall, Trace, Amend) and Wire $35.00 each* Return Fee *For wire payment investigation and wire return fee, other financial institution(s) may levy additional charges. Wire return fee is deducted from incoming payment before funds are deposited into account. Wire amendment fees may apply to both incoming and outgoing wire payments. Collection Items Outgoing CDN dollar item within Canada6 ● Up to $5,000 $15.00 each ● Over $5,000 3/20 of 1% of the item amount (minimum of $25 each) Outgoing CDN dollar item outside of Canada6 1/5 of 1% of the item amount (minimum of $30 each and maximum of $150 each) Outgoing U.S. and foreign currency item inside or outside of Canada6 1/5 of 1% of the item amount (minimum of $30 each and maximum of $150 each) NOTE: Incoming collections from other financial institutions will be subject to a charge NOTE: Additional fees may apply. by CIBC which may be passed on by the financial institution to their customer. Discharge Fees ** The following Discharge Fees are charged when you request a discharge of the registered mortgage/charge on your secured Personal Line of Credit: ● Quebec and Alberta $0.00 ● British Columbia $75.00 ● Manitoba $100.00 ● New Brunswick $260.00 ● All other provinces $300.00 A discharge fee is charged for each registered mortgage/charge that is being discharged. The undernoted fees apply if your Personal Line of Credit is under a CIBC Home Power Plan® ● Transfer out/Assignment Fee $300.00 ● Providing Duplicate Discharge Documents $100.00 Our Hold Policy on Cheque Deposits to your Line of Credit Account For purposes of this policy: - “Cheque” also includes certified cheques, bank drafts, money orders or other instruments. - Saturday, Sunday and holidays are not business days Understanding hold periods When you deposit a cheque in your Line of Credit account, a hold period may apply to allow time for the cheque to clear. The funds will appear in your line of credit account at the time of deposit, but you may not be able to them until the hold period expires. Even after the hold period expires, there is no guarantee that a cheque will not be returned to us unpaid. If a cheque is returned unpaid for any reason at any time, either during or after the expiry of the hold period, we have the right to charge the amount of the cheque to your account. We may also accept cheques from you on “collection”, meaning that only if and when CIBC receives payment from the financial institution on which the cheque is drawn will the funds be credited to your line of credit account and you have access to the funds. How long are funds held? The length of the hold period for cheques depends on the currency, amount of the cheque and other factors: ● For a CDN $ cheque drawn on a financial institution’s branch located in Canada, the normal length of time we will hold funds is 4 business days after the day of the deposit. The maximum hold periods are as follows: Cheque Amount Way you deposit Maximum Hold Period $1,500 or less: In branch 4 business days after day of deposit By ABM or any other way 5 business days after day of deposit Greater than $1,500: In branch, by ABM or any other way 7 business days after day of deposit By ABM or any other way 8 business days after day of deposit ● For a non-CDN $ cheque drawn on a financial institution’s branch located in Canada, the normal length of time we will hold funds is 10 business days. The maximum hold period is 20 business days. ● For a non-CDN $ cheque drawn on a financial institution’s branch located outside of Canada, the normal length of time we will hold funds is 15 business days. The maximum hold period is estimated to be 30 business days. Reasons we may hold the funds beyond the maximum period: We may extend the maximum hold periods in some circumstances, including (but not limited to) where: ● CIBC has reasonable grounds to believe that the deposit is being made for illegal or fraudulent purposes in relation to an account. ● An account has been open for less than 90 days. ● The cheque: - is not encoded with magnetic ink character recognition or is not readable by operational systems (for example, if damaged or mutilated); - has been endorsed more than once; - is deposited six months or more after the date of the cheque The hold period under these circumstances is estimated to be 30 business days and could be longer for non-CDN $ cheques drawn on a financial institution’s branch located outside of Canada. 9629 P-2017/08 Page 3 of 3 Line of Credit Fees and Services Access to Deposited Funds Limit An Access to Deposited Funds Limit may apply to cheque deposits you make in branch, at an ABM or any other way. This is the dollar amount you will have access to until the hold period expires on your deposit. To ask about your Access To Deposited Funds Limit, call Telephone Banking 24 hours a day, 7 days a week at 1 800 465-2422 or visit your nearest branch. CIBC’s Hold Policy and Access to Deposited Funds Limit are subject to the Personal Borrowing Agreement or CIBC Home Power Plan® Agreement, which governs your line of credit account. Notice of Fee Changes If a fee applicable to your line of credit account is increased or a new line of credit account fee is introduced we will provide you with notice in accordance with the Personal Borrowing Agreement or the CIBC Home Power Plan Agreement, as applicable. ** If your Personal Line of Credit is under a CIBC Home Power Plan®, these fees will be charged only when the full amount of the CIBC Home Power Plan Debt is paid off and you request a discharge or assignment of the registered mortgage/charge. For Additional information about other personal banking services and fees, refer to the "Personal Account Service Fees" brochure.

™ Trademark of Interac Inc. Used under license.

* Visa Int./CIBC lic. user

® CIBC Home Power Plan is a registered trademark of CIBC

4 Correspondent bank may levy additional charges

5 Deducted from the incoming amount. 6 Other financial institutions may levy additional charges.