Fourth Quarter2013

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 MissionTo 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

Comparative Capital AdequacyCommon 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

TorontoOttawa

Key Metrics – As @ 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 Activities Financing Activities

Deposit Broker Services

Consumer Loans & Leases

Lease & Loan Financing for Commercial and Government Entities

Commercial & Residential Construction Projects

Commercial Mortgages

Liquid SecuritiesFlow 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)

Government Loans & Leases, $133.7 , 10%

Cash & Equivalents, $176.3 , 13%

Securities, $39.9 , 3%

Multi-Residential Mortgages, $281.5 ,

20%Commercial Mortgages & Leases, $525.5 ,

38%

Commercial Construction, $190.1 ,

14%

Credit Cards, $28.1 , 2%

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 cards Total 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 Offices Total 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 $136,059,000.00

– 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