CWBFG_Sustainability Report 2023

Supplemental reporting

Table of Contents

Maintain a foundation of trust

Obsessed with your success

Manage our impact responsibly

Appendices and Glossary

Overview

VOLUNTARY CODES OF CONDUCT AND PUBLIC COMMITMENTS

The Canadian banking industry has developed several voluntary codes of conduct and public commitments designed to protect consumers and serve them better. CWB is committed to those listed below, across its applicable lines of business:

CANADIAN WESTERN BANK Voluntary Codes of Conduct

CBA Code of Conduct for Authorized Insurance Activities

Code of Conduct for Bank Relations with Small- and Medium-Sized Businesses Code of Conduct for the Delivery of Banking Services to Seniors

Canadian Code of Practice for Consumer Debit Card Services Code of Conduct for the Credit and Debit Card Industry of Canada

Principles of Consumer Protection for Electronic Commerce: A Canadian Framework

Code of Conduct - Mortgage Prepayment Information

Public Commitments

Commitment to Provide Information on Mortgage Security

Guidelines for Transfers of Registered Plans

Plain Language Mortgage Documents: CBA Commitment

Commitment on Powers of Attorney and Joint Deposit Accounts

Fraud Protection – VISA

Commitment on Modification or Replacement of Existing Products or Services

Canadian Bankers Association: Online Payments

CANADIAN WESTERN TRUST (OPTIMUM MORTGAGE DIVISION) Voluntary Codes of Conduct

Canadian Code of Practice for Consumer Debit Card Services

CBA Code of Conduct for Authorized Insurance Activities

Code of Conduct Mortgage Prepayment Information

Public Commitments

Commitment to Provide Information on Mortgage Security

Plain Language Mortgage Documents: CBA Commitment

Information on voluntary commitments and codes of conduct is also available at www.cwbank.com/en/ about-us/codes-and-commitments/voluntary-commitment .

75 2023 SUSTAINABILITY REPORT AND PUBLIC ACCOUNTABILITY STATEMENT

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