<p style="margin:0in"><span style="background:white"><span style="vertical-align:baseline"><i><span style="border:none windowtext 1.0pt; font-size:10.0pt; padding:0in"><span arial="" style="font-family:"><span style="color:black">CIBC Private Wealth consists of services provided by CIBC and certain of its subsidiaries, including CIBC Wood Gundy, a division of CIBC World Markets Inc. &ldquo;CIBC Private Wealth&rdquo; is a registered trademark of CIBC, used under license. &ldquo;Wood Gundy&rdquo; is a registered trademark of CIBC World Markets Inc. </span></span></span></i></span></span></p> <p style="margin:0in">&nbsp;</p> <p style="margin:0in"><span style="background:white"><span style="vertical-align:baseline"><i><span style="border:none windowtext 1.0pt; font-size:10.0pt; padding:0in"><span arial="" style="font-family:"><span style="color:black">This information, including any opinion, is based on various sources believed to be reliable, but its accuracy cannot be guaranteed and is subject to change. CIBC and CIBC World Markets Inc., their affiliates, directors, officers and employees may buy, sell, or hold a position in securities of a company mentioned herein, its affiliates or subsidiaries, and may also perform financial advisory services, investment banking or other services for, or have lending or other credit relationships with the same. CIBC World Markets Inc. and its representatives will receive sales commissions and/or a spread between bid and ask prices if you purchase, sell or hold the securities referred to above. &copy; CIBC World Markets Inc. 2025 CIBC Wood Gundy, a division of CIBC World Markets Inc. </span></span></span></i><i><span lang="EN-US" style="font-size:10.0pt"><span arial="" style="font-family:"><span style="color:black">Insurance services are available through CIBC Wood Gundy Financial Services Inc. In Quebec, insurance services are available through CIBC Wood Gundy Financial Services (Quebec) Inc.</span></span></span></i></span></span></p> <p style="margin:0in">&nbsp;</p> <p><i><span lang="EN-US" style="font-size:10.0pt"><span style="line-height:107%"><span arial="" style="font-family:">The CIBC logo and &ldquo;CIBC Private Wealth&rdquo; are trademarks of CIBC, used under license. &ldquo;Wood Gundy&rdquo; is a registered trademark of CIBC World Markets Inc. </span></span></span></i></p> <p>&nbsp;</p> <p><i><span lang="EN-US" style="font-size:10.0pt"><span style="line-height:107%"><span arial="" style="font-family:">Andrew Pyle is an Investment Advisor with CIBC Wood Gundy in Peterborough. The views of Andrew Pyle do not necessarily reflect those of CIBC World Markets Inc. </span></span></span></i></p> <p style="margin:0in">&nbsp;</p> <p style="margin:0in"><span style="background:white"><span style="vertical-align:baseline"><i><span style="border:none windowtext 1.0pt; font-size:10.0pt; padding:0in"><span arial="" style="font-family:"><span style="color:black">Clients are advised to seek advice regarding their circumstances from their personal tax and legal advisors.</span></span></span></i></span></span></p>