Stephen Murphy, EVP Banking, CWB

Jeff Wright, SVP Client Solutions, CWB

Emily Steele, EVP Operations and Delivery, Temenos

CWB Digital Acceleration

2CWB Financial Group

• Why is this important for CWB?

• CWB’s digital roadmap

• A Modern Infrastructure

• Meet Temenos: Our strategic partner

CWB’s Digital Acceleration

Today’s objectives

3CWB Financial Group

What’s in it for our clients?Driving the best client experience for business owners in Canada

Extending Digital to Enhance and Integrate

Branch Experience

Reaching Small Business and Personal

Clients Nationwide

Seamless Digital Experience across Online & Mobile

4CWB Financial Group

Digital Roadmap - Highlights for the next 24 MonthsObjective: Deliver differentiated and seamless digital experiences for our clients

Small BusinessDigital Banking & Onboarding

Digital Onboarding for Lending

Digital Banking Services for

Commercial & Personal

Digital Onboarding for Motive

Financial

Digital Onboarding for CWB Personal

& Branches

Branch Access for Lending & Business

Onboarding

5CWB Financial Group

High Level Architecture – A Platform for all Clients

Temenos - T24 (Core Banking System)

Mulesoft (Integration Layer)

Temenos SpringboardDigital Onboarding

Temenos InfinityDigital Banking

PersonalSmall Business

Mid-MarketCommercial

Motive Financial

Lending Core System Payment Processing (Various)

3rd Party Partner/External

Services

Temenos Analytics & AI

6CWB Financial Group

Temenos: Our Strategic Partner

7CWB Financial Group

Temenos – Who Are We?

Financial institutions use Temenos software

3,000

Countries with Temenos clients

150+

Clients in Canada

25+

Clients in North America

1,300+

End customers rely on Temenos software

500,000,000

market capitalization

$10b

average annual software license growth

20%+

Management Board average tenure

15 years

countries with Temenos offices (3 in Canada)

41

R&D investment (20% of 2018revenues)

$190m

Examples of Global Customers using Temenos:

8CWB Financial Group

Why Temenos for Digital?

Experience with various markets around the world

Preparation for significant regulatory shifts like open banking

Expansive insight into changing customer expectations

Customize for CWB’s specific customer segments and needs such as differentiated small business platform

Personalized Design Elements

Control over digital destiny

Commitment to investing at least 20% of annual revenue into R&D

Infinity and Transact

USD750+ million investment in digital leaders like Avoka and Kony

Analytics and AI

Global Experience

Differentiation

Unparalleled Investment

1

2

3

Questions?