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SECURE EMAIL TERMS AND CONDITIONS

The terms and conditions apply when you access a secure message on the secure
site. These terms and conditions are in addition to the terms, conditions, or
disclaimers which apply to your CIBC product(s) or which may be set out in any
other existing or future agreement(s) with CIBC or as may be provided on the
CIBC website. If there is a conflict between a term in these terms and
conditions and any other written agreement with CIBC, the term of the written
agreement will apply to the extent necessary to resolve the conflict. You
confirm that we may change the terms and conditions at any time, and your
continued use of the secure site means you agree to the amended terms and
conditions. If you do not agree to a change in these terms and conditions, you
must immediately stop using the secure site. By signing on to the secure site,
you confirm your earlier consent to obtain documents from CIBC electronically
and agree to all of the terms and conditions contained in this email.

You understand that we may add, remove or change any part or feature of the
secure message service without giving notice to you.

You must use your secure password to access the secure site to retrieve secure
messages and documents. You agree to keep your secure password and any personal
verification questions absolutely confidential; they are for your use alone. You
will not disclose to others (including a close family member, a friend or any
bank or public official) what your secure password or personal verification
questions are. You must carefully select your secure password and personal
verification questions so that they cannot be easily guessed or reverse
engineered by anyone else.

You should memorize your passwords and personal verification questions rather
than keep any written record of them. You are responsible for any losses that
result from any third party use of your passwords or personal verification
questions. To prevent unauthorized access to your confidential information, you
must sign off from the secured site or close your browser as soon as you finish
using it.

You acknowledge that any instructions provided to CIBC via secure email are
final and may be relied upon by CIBC (including your electronic acceptance of
these terms and conditions). You agree that we may decline to act on any
instruction received if we suspect that the instructions are not from you, are
inaccurate or unclear, have not been properly authorized by you, or are provided
by you for some illegal or improper purpose. We will not be liable if we decline
to act on an instruction in these circumstances. You agree that you will be
liable for the transactions that are conducted on your instructions, and any
losses that may arise from these transactions. Except as set out in any written
agreement entered into by you with CIBC, you agree that we are under no
obligation to accept or act instructions you provide to electronically except as
delivered via the secure site.

Email sent over the Internet is not secure and may be lost, intercepted, misused
or altered. CIBC is not liable for the loss, interception misuse or alteration
of any confidential information sent by email outside of the secure site. If you
send us an email outside of the secure site, you agree that we may, at our sole
discretion, respond to you by email and provide by email any confidential
information you have requested, and you agree that CIBC is not liable for the
loss, interception, misuse or alteration of any confidential information
provided by email by CIBC.

The device you use to access the secure email may be vulnerable to viruses or
online attacks that seek to intercept or alter information including sensitive
information that you provide through the Internet. To reduce the chances of
harm, you should take all reasonable precautions, including ensuring that any
device you use to access the secure site has an up-to-date anti-virus program,
anti-spyware program and a firewall, if such security measures are available for
your device.

Any information provided to CIBC via the secure site will be collected, used,
disclosed and retained by CIBC in accordance with your agreement(s) with CIBC.
The CIBC privacy brochure, Your Privacy is Protected, available at any branch or
at www.cibc.com, describes how the CIBC group collects, uses, discloses and
retains information about you and the products and services you use.

This email message any attachments are CONFIDENTIAL. If you have received this
message in error, please notify us immediately by return email and permanently
delete this message, including any attachments, without reading or making a
copy.

The secure site and service is provided by Proofpoint Encryption on behalf of
CIBC.

Canadian Imperial Bank of Commerce Website - Copyright © CIBC.

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