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Fourth Quarter

2013. Fourth Quarter.

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Fourth Quarter

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  1. 2013 Fourth Quarter

  2. 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. Advisory

  3. 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, 2002 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 About Us

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

  5. Company Overview Pacific & Western Bank (PWB) National Presence • 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; Calgary Toronto Ottawa Saskatoon Vancouver London(Headquarters) Waterloo Key Metrics – As @ Oct 31, 2013

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

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

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

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

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

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

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

  13. Net Interest Income Increase of 31% over 12 months

  14. Total Assets ($millions)

  15. Pretax Earnings (normalized)

  16. Goals & Objectives

  17. Common Shares: PWB $7.00 Shares listed: TSX Issued Shares: 19,437,000 Based on recent share price $7.00, Market Capitalization was $136,059,000.00 Notes Payable: $14,500,000 Financial Overview

  18. 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

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