Annual and Special Meeting of Shareholders March 27, 2014

1. Annual and Special Meeting of Shareholders March 27, 2014

2. Officers • David Taylor President & Chief Executive Officer • Barry Walter SVP & Chief Financial Officer • Richard Vanlerberghe VP, General Counsel & Corporate Secretary

3. Board of Directors • William T. Mitchell • Robbert-Jan Brabander • Patrick M. George • Paul G. Oliver • David R. Taylor

4. Auditor KPMG LLP

6. Director Nominees • William T. Mitchell • Robbert-Jan Brabander • Patrick M. George • Paul G. Oliver • David R. Taylor

7. Appointment of Auditor KPMG LLP

9. Advisory The Corporation 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 Corporation makes no undertaking to update any forward-looking statement that is made from time to time by the Corporation.

10. Presentation Agenda • David R. Taylor, President & Chief Executive Officer • Company Overview • Fiscal 2013 Financial Performance • Pacific & Western Bank of Canada • Closing Remarks

11. Corporate Structure (TSX: PWC) 100% Common Share Ownership 91% Common Share Ownership 9% Common Share Ownership (TSX: PWB)

12. PWC 2013 Operating Results

13. PWC 2013 Balance Sheet

15. PWB Business Overview Pacific & Western Bank (PWB) 2013 Highlights • PWB became publically traded on TSX; • Very high credit quality maintained; • Expensive Sub debt repaid; • Significantly increasing NII Margin; • Non-Interest Expenses decreased; • Large growth in Purchased Loan and Lease Portfolio; • Large growth in Trustee Internet bankingaccounts; • High Tier 1 Capital Ratios; • Increased Shareholders’ Equity. • PWB is a member institution of the Canada Deposit Insurance Corporation; • Very technologically proficient; • Deposits gathered electronically through a “branchless” diversified network of over 120 deposit broker firms & internet banking provided to niche markets; • Loans & leases gathered directly by specialized lendersand by purchases from a variety of originators; • Focus on banking under-served niche markets. Key Metrics – As @ Jan 31, 2014

16. PWB’s Branchless Bank Model Deposit BrokerServices • Deposits raised through “branchless” network of over 120 brokers across Canada. • Over 7,000 Investment Advisors in more than 2,000 Deposit Broker offices across Canada.

17. Comparative Capital Ratios • Common Equity Tier 1 Capital • Total Tier 1 Capital 13.1% 12.1% 11.5% 11.5% 11.5% 9.7% 11.5% 9.5% 9.4% 11.2% 9.3% 10.7% 8.9% 10.6% 8.3% 10.5% 8.0% 9.5% 7.6% 9.1% Source: CIBC Company Reports. All figures are as of January 31, 2014 Except for Equitable Bank (October 31, 2013)

18. PWB Performance Trends

19. PWB - Net Interest Income & Margin

20. PWB - Non-Interest Expenses

21. PWB - Shareholder’s Equity

22. PWB - Total Assets

23. PWB - Credit Quality

24. PWB Balance Sheet Diversification

25. Bulk Loan & Lease Purchases • We have now establishedrelationships with several new loan and lease vendors and expect that our bulk loan and lease portfolio will grow by approximately $20 million per month based on these relationships.

26. Home Credit Card • January 2012, PWB launches HH Credit Card program; • As of Jan 31, 2014: Over 38,000 cards issued and over $28M in Receivables; • Sales and Receivables impacted by bad weather in early 2014.

27. Trustee Integrated Banking • Apr 2012, PWB launches Trustee Integrated Banking Services;• As of January 31, 2014: 28 Trustee Offices and over $51M on Deposit.

28. PWB 2013 Financial Performance

29. PWB 2013 Operating Results

30. PWB 2013 Balance Sheet

31. PWB Summary • Well established Bank; • Excellent risk management; • Technologically proficient; • Very adaptable to rapidly changing market place; • Highly leveragable infrastructure; • Growing rapidly in low risk markets; • Trading at very attractive price.

32. PWC Summary • Relation between PWB’s and PWC’s value; • NCIB impact on PWB’s value; • Our plan to enhance the vale of PWC’s common shares.

33. Annual General Meeting of Shareholders March 27, 2014