Fourth Quarter 2013

Advisory The Bank occasionally makes forward-looking statements about its objectives, operations and targeted financial results. These statements may be written or verbal and may be included in such things as press releases, corporate presentations, Annual Reports and other disclosure documents and communications. By their very nature, forward-looking statements involve inherent risks and uncertainties, both general and specific, and risks exist that predictions, forecasts, projections and other forward-looking statements will not be achieved. A number of important factors could cause actual results to differ materially from the plans, objectives, expectations, estimates and intentions expressed in such forward-looking statements. These factors include, but are not limited to, the strength of the Canadian economy in general and the strength of local economies within Canada in which we conduct operations; the effect of changes in interest rates; the effects of competition in the markets in which we operate; capital market fluctuations; and the impact of changes in laws and regulations. When relying on forward-looking statements to make decisions, investors and others should carefully consider these factors and other uncertainties or potential events. The Bank makes no undertaking to update any forward-looking statement that is made from time to time by the Bank.

About Us The Vision We aspire to be the preferred provider of financial solutions to our clients. Our Mission To provide a competitive and sustainable rate of return to shareholders by delivering ideally suited financial products, services and solutions to our clients in selected niche markets throughout Canada. Who We Are -Founded 1980 as Pacific & Western Trust Corporation -Became a Schedule 1 Canadian Chartered Bank August 1, Branchless model -Head office London, Ontario -$1.4 Billion in Assets -$1.2 Billion in Loans and Leases -Significant growth potential -Listed on TSX August 27, 2013

Comparative Capital Adequacy Common Equity Tier 1 Capital Source: CIBC Company Reports. All figures are as of October 31, 2013 Except for Equitable Bank (September 30, 2013) 12.1%

Company Overview PWB is a member institution of the Canada Deposit Insurance Corporation; Deposits generated through a “branchless” diversified network of over 120 financial advisory and brokerage firms; Key lending segments include commercial real estate, bulk lease finance, public sector and retail (credit card); Focus on lending within under-served markets; CMHC approved lender; National Presence Vancouver Calgary Saskatoon London (Headquarters) Waterloo Toronto Ottawa Key Metrics – Oct 31, 2013 Total Loans & Leases$1.2 billion Total Assets$1.4 billion Shareholders Equity$133 million Total Deposits$1.2 billion Pacific & Western Bank (PWB)

Bank Model Deposit Gathering ActivitiesFinancing Activities Deposit Broker Services Consumer Loans & Leases Lease & Loan Financing for Commercial and Government Entities Commercial & Residential Construction Projects Commercial Mortgages Liquid Securities Flow of Funds Capital Over 100 Deposit Gathering Entities Specializing in Financing for Public and Corporate Entities

Balance Sheet October 31, 2013 Balance Sheet Analysis ($millions)

Bulk Financing We have now established relationships with several new loan and lease vendors and expect that our bulk loan and lease portfolio will grow by approximately $10 million per month based on these relationships ($millions) Increase of 73% over 12 months

Home Hardware Credit Card Number of cardsTotal Assets January 2012, PWB launches HH Credit Card program As of Oct 31, 2013: Over 36,000 Cards issued and over $29M in Receivables

Trustee Integrated Banking (TIB) Services Number of Trustee OfficesTotal Deposit Portfolio Apr 2012, PWB launches Trustee Integrated Banking Services As of Dec 31, 2013: 25 Trustee Offices and over $50M on Deposit

Interest Spread **Big Bank Average Interest Spread Increase of 37% over 12 months

Gross Impaired Loans to Total Assets **Big Bank Average Gross Impaired Loans to Total Assets

Net Interest Income Increase of 31% over 12 months

Total Assets ($millions)

Pretax Earnings (normalized)

Improve Profitability Increase Home Hardware profitability; Increase penetration in Bulk Finance Market to diversify existing portfolio ; Minimize costs at each level and within each department; Maintain Low Loan Losses Adhere to disciplined loan underwriting and management techniques Diversify Deposit Sources Develop and expand Trustee Deposit Initiative while continuing to diversify deposit broker network. Goals & Objectives

–Common Shares: PWB $7.00 Shares listed: TSX –Issued Shares: 19,437,000 –Based on recent share price $7.00, Market Capitalization was $136,059, –Notes Payable: $14,500,000 Financial Overview

Senior Management David Taylor Barry Walter Shawn Clarke Nick Kristo Ross Duggan Jonathan Taylor Brian Conley Moe Danis Tel Matrundola Scott Mizzen Richard Vanlerberghe Kerry McDowell Mike Dixon Stephanie Francis Aly Lalani Wade MacBain President & Chief Executive Officer Chief Financial Officer & SVP Chief Operations Officer & SVP Chief Risk Officer & SVP Senior Vice President, Lending Senior Vice President, Deposit Services & Human Resources Vice President, Credit Vice President, Lease Finance Vice President, Public & Corporate Affairs Vice President, Lending Vice President, General Counsel & Corporate Secretary Vice President, Credit Card Services Vice President, Consumer Lending Vice President, Finance & Accounting Vice President, Treasury Director, Investor Relations