Agility Savings Cash Bonus Promotion Terms and Conditions

Eligibility and Promotional Language

The following contains important details regarding how to earn the bonus on your Agility

Savings account which offers a 5.01% Annual Percent Yield (“APY”).*

In order to qualify for an account bonus, you must increase the current balance in your CIBC

Bank USA (“CIBC”) Agility Savings account by depositing funds of $25,000 or more of New

Money (defined below) from an external bank between 12:00 a.m. ET on November 1, 2023 and

11:59 p.m. ET on December 19, 2023 (the “Funding Period”). The New Money must remain in

your account until 11:59 p.m. on March 18, 2024. This offer applies to both new and existing

accounts. If you are funding by ACH transfer, keep in mind timeframes for applicable

verification and for transfer origination which may take 1-3 business days before the funds are

credited to your Agility Savings account. The funds must be credited during the Funding Period.

If you are not already enrolled in e-statements, you must enroll in Online Banking and change

the Statements Delivery Method to “Online” during the Funding Period. You must continue

online statement delivery through March 18, 2024.

New Money means funds deposited into your CIBC Agility Savings account from an external

source. Internal deposit transfers between CIBC Bank USA accounts will not qualify. New

Money must flow directly from the external source to your Agility Savings account. Any

withdrawals made after the Funding Period will be deducted against the New Money for the

purposes of determining your eligibility.

Any portion of New Money deposited to your CIBC Agility Savings account during the Funding

Period that is withdrawn and redeposited back into that account after December 19, 2023 will

not qualify.

Total Deposit Limit: The promotion is available if your CIBC Agility Savings account deposit

balance is less than or equal to $500,000 inclusive of the New Money deposit. Deposits that

would bring the total balance in your CIBC Agility Savings account to more than $500,000 will

not qualify for the promotion.

The amount of your bonus will be determined as follows:

• $250 bonus – The New Money you deposited from an external bank during the Funding

Period was between $25,000 and $49,999.99 (“Tier 1”), and you maintained at least

$25,000 in New Money until 11:59 p.m. ET on March 18, 2024.

• $500 bonus – The New Money you deposited from an external bank during the Funding

Period was $50,000 or more (“Tier 2”), and you maintained at least

$50,000 in New Money deposited in the account until 11:59 p.m. ET on March 18, 2024.

If the balance of New Money you deposited drops to below $50,000 (but remains greater than or

equal to $25,000) at any point through March 18, 2024, you’ll be eligible to earn the Tier 1

bonus.

If the balance of New Money you deposited drops below $25,000 at any point through March

18, 2024, you will not qualify for a bonus. If you make additional deposits after December 19,

2023 these deposits will not count towards your balance of New Money under this promotion.

Bonus Payouts Timing

If you fulfill the offer requirements outlined above, CIBC Bank USA will deposit the bonus into

your CIBC Agility Savings account no later than May 17, 2024. In order to receive the bonus

your account must be open and not overdrawn at the time of the bonus payout. Only one

bonus allowed per primary account owner Tax ID.

* The annual percentage yield (APY) is accurate as of October 13, 2023. This is a variable rate

account and the interest rate and APY can change at any time without notice. The

minimum opening deposit is $1,000 but cannot exceed $250,000. For accounts opened on or

after September 28, 2022, deposits that would bring the total balance in your Account to more

than $500,000 are not permitted. We reserve the right to refuse or return additional deposits that

would cause your balance to exceed this $500,000 limit. For accounts opened

before September 28, 2022, balances up to $1,000,000 are permitted, provided your balance

does not fall below $500,000 at any time. If your account balance drops below $500,000 at any

time, we reserve the right to refuse or return additional deposits that would cause your balance

to exceed $500,000. Business days and effective dates of deposit are defined in the Consumer

Deposit Account Agreement.

The minimum balance to obtain the APY is $0.01. Fees or withdrawals will reduce earnings.

Offer is subject to change, and may be withdrawn, at any time without notice.

To be eligible for an account, all applicants must have a current U.S. home address (includes

Puerto Rico, but excludes other U.S. Territories)

This account is available online only.