Legal 

In these terms and conditions, “we”, “us” and “our” means Canadian Western Bank (“CWB”, and together with its subsidiaries, “CWB Financial Group”). These terms and conditions apply to all CWB Financial Group websites, unless specifically superseded by other terms and conditions of any webpage or online service accessible through a CWB Financial Group website.

Each time you use our website, you acknowledge and accept the terms and conditions below, which we may revise periodically without notice. If you do not accept these terms and conditions, do not use our website.

1. Access. We cannot guarantee that our website will be accessible at all times, without interruption, or that it will be free from errors and/or omissions. We will not be responsible for any damages that may result from the inaccessibility of our website or from any difficulties that you may experience while accessing or using our website. We reserve the right to suspend at any time, without warning, full or partial access our website and any pages accessible through certain social media sites. We may discontinue uploading information to our website without notice.

2. Purpose. Information on our website is for information purposes only and does not constitute an offer to buy or a solicitation to sell any currency, investment fund, securities, units of mutual funds, or other product service or information in any jurisdiction in which an offer or solicitation is not authorized or cannot be legally made, or to any person whom it is unlawful to make an offer or solicitation. The information and materials available on our website are not intended to provide legal, accounting, investment, financial or tax advice to any user and should not be relied upon by a user. We encourage users to seek qualified professional advice.

3. Content. Although we take reasonable care to ensure that information is accurate when posted to our website, we do not warrant or make any representations or claims as to the validity, correctness, currency, timeliness, or completeness, of the information provided on our website. We will not be liable or responsible for any claim or damages, direct or indirect, arising out of the interpretation, reliance upon or other use, authorized or unauthorized, of such information.

4. Currency. The documents and information available on this site are provided as a convenience only. Our website may not always be the most current source for information about CWB Financial Group. We disclaim any liability for any failure to update our website or any information, data, materials or documents available on our website. Where any documents on this site have been filed in accordance with applicable securities law, such documents are not the official versions of CWB Financial Group's securities law disclosure documents. For up to date information about CWB, its subsidiaries and respective publically available securities, see www.SEDAR.com.

5. Links. Certain links on this website lead to websites maintained by independent parties over whom we have no control. The fact that we provide links to other websites does not mean that we endorse or approve of the content of any linked website. We make no representation in respect of the accuracy or any other aspect of the information contained on such websites, and we disclaim any responsibility for the content of such websites.

6. Availability. Not all products and services displayed on our website are available in all regions of Canada. Our products and services are available in accordance with local law where they may be lawfully offered for sale. All of our products and services are subject to the terms of applicable agreements.

7. Online Services. You may carry out transactions with us on through our internet banking platform, CWBdirect. The services available through CWBdirect are governed by specific agreements and terms that describe your access and use of CWBdirect. These terms and conditions apply concurrently to the specific agreements and terms that govern those products and services accessed via CWBdirect and this website. When you carry out transactions with us through CWBdirect, you are solely responsible for ensuring that all user IDs, access card numbers, passwords, and personal identification questions used on the website are protected. We will not be responsible for any damages that you may incur as a result of the unauthorized or illegal use of user ID(s), access card number(s), password(s), or personal identification question(s), or your failure to ensure the secure and confidential nature of the transactions.

8. Internet: Internet software transmission problems could produce inaccurate or incomplete copies of documents or other material from this website when downloaded and displayed on a user's computer. We take reasonable precautions to ensure this website is free of computer viruses. We recommend that the user install and use appropriate anti-virus or other protective software. However there is still a possibility that data security violations may occur and we disclaim all liability for any computer viruses, “worms”, “Trojan horses” or other disruptive or destructive programs that may be inadvertently downloaded from our website or otherwise.

9. Security. We will protect sensitive communication between you and our website, CWBdirect, and CWB Mobile by encrypting the communication while in transit. However, we cannot protect information exchanged when our website, CWBdirect or CWB Mobile is accessed through a non-secure platform, connection, or in a public location, and as a result, we are not responsible for any damages that you may incur under such circumstances. In addition, we have no control over the protection of your e-mail communications with us. We recommend that you not include private and sensitive information in e-mails to CWB Financial Group including, but not limited to, account numbers, user IDs, account balances, passwords, etc. We will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us through e-mail.

10. Paramountcy. In the event that these terms and conditions are incompatible or inconsistent with the specific agreements and terms applicable to any specific product or service, the latter shall prevail to the extent of the inconsistency.

11. Monetary amounts: All amounts mentioned in this site are in Canadian dollars unless otherwise noted.

12. Copyright. No material from this site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except, you may download one copy of the materials on any single computer for your personal, non-commercial home use only, provided you keep intact all copyright and other proprietary notices. Modifying the materials or using the materials for any other purpose is a violation of CWB's copyright and other proprietary rights.

13. Ownership. The material and information on this site are made available only under the conditions set out herein. CWB reserves its rights to the intellectual property presented in and by our website, which includes, but is not limited to, its copyrights, trademarks and corporate logos.

14. Limitation of Liability. In general and without limiting the specific cases of limitation of liability mentioned above, and notwithstanding any provisions to the contrary, we shall not be held responsible for any damages that may result from or relate to our website and/or its contents. In particular, and without limiting the generality of the foregoing, we shall not be held responsible for issues of access, use, accuracy of contents, or the loss of data or information, whether or not we have been informed of the possibility of such issues. 

Part A: General

Scope: 
These terms and conditions (the Terms) govern your use of cwb.digital services which you have selected under your Account Agreement(s) with Canadian Western Bank (we, us, or our) and form part of your Account Agreement(s). Any undefined term used in these Terms shall have the meaning provided in the Account Agreement.

Definitions: 
Account(s) means all your current and future accounts with us, opened in your name (either alone or with other account holder(s), and that you may access from time to time using the Services (and Account means any one of your Account(s)).

Account Agreement(s) means the agreement(s) governing your Account(s).

Alerts are automated messages about certain events or conditions about your Account(s).

Autodeposit means an e-Transfer that is automatically deposited into a designated account of a recipient without answering a security question.

Business User means an individual that has been authorized by a business to use the Services on its behalf. 

Data Transfer means the process of transferring or sharing, upon your authorization, your data with or to one or more Third Party Applications you link to your Account(s).

Device means your personal computer or other device (such as cell phone, mobile device or telephone) which when used in combination with the Website gives you access to the Services after successful Multi-Factor Authentication.

e-Transfer means the electronic transfer of funds to a designated recipient using the process provided through cwb.digital services.

Instruction means an instruction that is communicated to us through cwb.digital services after successful Multi-Factor Authentication.

Mobile App means our software you can download onto a Device to access the Services. 

Multi-Factor Authentication means the verification factors in the multi-step login process that allows us to confirm that you are the person accessing cwb.digital services.

Official Image means an electronic image of a cheque, bank money order, bank draft, convenience cheque or certified cheque, created in accordance with the provisions of this Agreement and that complies with the requirements to permit negotiation and clearing of that item in accordance with the by-laws, standards, and Rules of Payments Canada.

Password means the combination of letters, numbers, and special characters selected by you for your use as part of the Multi-Factor Authentication to help us confirm that you are the person accessing the Services.

Personal Verification Questions means the questions and answers you may be required to choose and provide answers to when prompted as part of the Multi-Factor Authentication, to help us confirm that you are the person accessing the Services. 

Services means the services, features, functionality, content or information that we offer through cwb.digital services that may be accessed with the use of a Device.

Third Party Application(s) means all products and services developed by third parties that you use in or through CWB.digital services and/or authorize to access your data.

Transaction means any credit or debit processed to or from your Account(s) through the Services.

Vendor means any third party who has a contract with us to be a payee of bill payments through the Services.

Website means our designated website used to access cwb.digital services.

You and your means the customer holding the Account(s) accessible through cwb.digital services; provided, however, that if the customer holding such Account(s) is a business, then you and your will mean both the business and you as an individual Business User.

Part B: Provisions for the Services 
Use of cwb.digital Services
You may use the Services to view account details, and to conduct any permitted Transactions, based upon the option you have selected. You agree to follow our instructions in effect from time to time with respect to the use of cwb.digital services. 

Instructions will be treated as if it was given by you in person, and you agree to be bound by each such Instruction and by each Transaction. You irrevocably authorize and direct us to debit or credit the amount of any Transaction to the account at the time of the Transaction, in accordance with our normal practices. Our practices about the debiting or crediting of any Transaction may be revised from time to time with or without notice to you. You are responsible for verifying the completeness of every Transaction that you initiate using the Services. If you are the joint holder of the Account(s), then each joint holder of the Account(s) will be jointly and severally liable for all Transactions conducted using the Services.

We will not be liable in any way to any person, including you, or one or more joint account holders, for Transactions even if funds from the Account(s) are used for the benefit of only one joint account holders or of anyone other than you. 

You agree not to conduct or try to conduct any Transaction that would result in a negative balance in your Account(s) or would exceed the unused balance of any authorized overdraft or line of credit, if available.

You agree to indemnify us for all claims, losses, damages, or costs (including solicitor and own client costs on a full indemnity basis) that we incur: 

a) in connection with or arising out of any misuse of the Services, the Website or the App by you;

b) as a direct or indirect result of your negligence, wrongful act, or omission; 

c) any third-party claim brought against us by a third party, based upon the misuse of the Services, the Website or the App by you; or

d) if you conduct any Transaction that results in a negative balance in your Account(s) or exceeds the unused balance of any authorized overdraft or line of credit, if available.

Changes to the Services
You understand that we may add, remove, or change any part or feature of the Services or the Website at any time, without giving notice to you.

Your Obligations and Prohibitions on Use
You must ensure that all information you use is complete and accurate. You agree not to:

a) Access or use the Services for illegal, fraudulent, malicious or defamatory purposes;

b) Do anything that could undermine the security, integrity, effectiveness, goodwill, or connectivity of the Services; and

c) Reverse engineer the source code for any of the service technology.

Transaction Verification and Records
All Transactions are subject to our verification and acceptance, and if not accepted will be reversed from your Account(s). Verification may take place on a date later than the date you authorized the Transaction, which may affect the Transaction date.
 
Our records of each Transaction, and our accounting records, will be deemed to be correct, and will be conclusive and binding upon you. Any record of a Transaction we generated will be for your convenience only. If you believe that our records contain an error or omission, you must give us written notice of the suspected error or omission within the time provided in the Account Agreement(s).
 
If we make an error or omission in recording any Transaction, we will only be liable for the amount of the error or omission if you have given us written notice within the time provided in the applicable Account Agreement(s). If you have given such notice, our liability is limited to the amount of the error or omission, plus any applicable service charges that we may have charged to you. Specifically, you agree that we will not be liable for any other loss, or any loss of business or profit or any other damage (direct or indirect or consequential) or delay or inconvenience whatsoever caused by or arising from any such error or omission.
 
Transaction Processing
Except for a Transaction which is authorized to take effect on a future date (which can be revoked or countermanded prior to such date), once we receive Instructions to conduct a Transaction, you may not revoke or stop any such Transaction once the Transaction request has been processed. When you use the Services to make bill payments from the Account, transfer funds to a customer's account or otherwise transfer funds out of your Account(s), you are responsible for ensuring the accuracy of any billing account number, customer account numbers or other recipient account numbers to which you intend to transfer funds. We will not be liable for any loss or damage because of funds being transferred to the wrong recipient caused by you providing the wrong account number. We will not be responsible or obligated to retrieve or return such funds to you. We reserve the right to apply daily limits and transaction limits.

Bill Payments
You acknowledge and agree that bill payments made through the Services are not processed immediately and that it is your responsibility to ensure that bill payments are initiated in sufficient time for the payment to be received by the bill payment recipient before its due date. We will not be liable for any cost, expense, loss, damage or inconvenience of any nature or kind whatsoever arising because of a delay in the processing of bill payments.

Bill payments made in the same amount on the same day to the same Vendor from any account owned by the same person or entity will cause one of the bill payments to be rejected.

We are not responsible for any failure to supply, or lack of suitability or quality of, any goods or services purchased from a Vendor that has an arrangement with us to be a payee of bill payments through the Services for which you have registered in order to make bill payments.

All disputes between you and Vendors shall be settled directly by you with the applicable Vendor. We do not verify, nor are we required to verify, that any purpose for which the payment is made has been fulfilled by the Vendor as a condition of honouring your Instructions for bill payments.

If you have made or received a bill payment in error, then we may, but are not obliged to, assist you by initiating or processing a "Bill Payment Error Correction Debit", as defined under the published rules and standards of Payments Canada as amended from time to time. If we initiate or process a “Bill Payment Error Correction Debit” affecting your Account(s), you agree to indemnify us for any direct loss, costs, or damages we incur, and will pay to us any reasonable service charges or fees related to the provision of the service. Furthermore, if we initiate or process a Bill Payment Error Correction Debit affecting your Account(s) without gross negligence or intent to cause loss or harm, we shall be held harmless for any and all loss, costs, or damages suffered or incurred by you, howsoever caused, relating to the bill payment or the Bill Payment Error Correction Debit process.

Stop Cheque Payments
A stop payment is an Instruction to refuse payment if that cheque is presented to us for payment. A cheque can only be stopped if all information required by the on-screen prompts is provided including:

a) the number of the applicable Account(s);

b) the serial number; and

c) date and amount of that cheque. 

You acknowledge that we cannot stop payment of a cheque which has:  

a) cleared any of your Account(s); or

b) has been negotiated at one of our banking centres.

We may accept an Instruction to stop payment on a cheque without determining whether the cheque has been honoured on presentment. 

You agree that we are not liable for any cost, expense, loss, damage or inconvenience of any nature or kind whatsoever arising from our compliance or failure to comply with a stop payment.

Stop Preauthorized Payment
A stop preauthorized payment is an Instruction to us to refuse payment if the preauthorized payment is sent on us. You acknowledge that we cannot stop a preauthorized payment which has been paid on any of your Account(s) and the payment can only be stopped if all information required by the on-screen prompts is provided including the number of the account, payee, reason, next payment date, start date, end date and amount of that payment to be stopped.

We may accept an Instruction to stop a preauthorized payment without determining whether the payment has been honoured. You agree that we are not liable for any cost, expense, loss, damage or inconvenience of any nature or kind whatsoever arising from compliance, or failure to comply, with a stop preauthorized payment.

Part C: Fraud Prevention
Security 
You agree to:

a) sign out immediately after each cwb.digital services session;

b) not leave your Device unattended while logged into cwb.digital services or accessing the Services;

c) protect your Device from loss or theft;

d) implement and maintain reasonable and available security measures for your Device (for example, up-to-date virus scanning software and a firewall system); and

e) comply with any additional security requirements that we may require in connection with the Services.

Confidentiality of Passwords and Personal Verification Questions
Your Password and Personal Verification Questions are for your use alone and may not be assigned or transferred. You agree to:

a) keep your Password and Personal Verification Questions confidential;
 
b) you must take all reasonable precautions to ensure that no one else sees or learns your Password or Personal Verification Questions;

c) notify us immediately, in writing, if you believe that your Password or Personal Verification Questions may have become known to anyone other than you; and

d) change your password if you believe that your Password may have become known to a third party. 

For security reasons, we recommend that you change your Password on a regular basis, such as every ninety (90) to one hundred and twenty (120) days. 

You are liable for all unauthorized use of your Password and Personal Verification Questions until you notify us and we acknowledge in writing that we have received your notice. We will consider your notification as acknowledged only after we confirm it to you.

In no event shall we be responsible or liable at law or in equity for any claim, demand, or loss, whether based on contract, tort (including negligence), or any other theory of liability, or for direct, indirect, special, incidental, or consequential damages (including loss of profits) howsoever caused as a result of your Password or Personal Verification Questions becoming known to or used by third parties.

Unsolicited Messages
You agree not to respond to unsolicited communications asking for your personal information, such as emails, telephone calls, SMS text messages, other internet requests, even if such requests appear to be from us. Only initiate communications with us either through cwb.digital services, the Application, or through our published contact information as shown on our website. We will never contact you asking you to give us your digital banking password verbally or via written communication.

Sold or Disposed Device
If you intend to sell, give away or dispose of any of your Devices, then you must first delete the App from those Devices.

Part D: e-Transfers
e-Transfers are only available in Canadian dollars. Your Account will be debited as soon as you provide an Instruction to initiate an e-Transfer and we may hold the e-Transfer amount until the recipient successfully claims the e-Transfer or the e-Transfer is cancelled.
We have no obligation to pay and will not pay interest on an e-Transfer amount for any reason. To the extent permitted at law, we are deemed to have a security interest in an e-Transfer amount from the time the Account is debited until the recipient successfully claims the e-Transfer or the e-Transfer is cancelled.

e-Transfers sent and received through cwb.digital are subject to number and dollar limits that may change from time to time without prior notice to you.

An e-Transfer notice advising the recipient of the e-Transfer will be generated approximately 30 minutes after you originate the e-Transfer.

If you are the sender, you agree to keep the e-Transfer answer that you share with the recipient (the “e-Transfer Answer”) confidential and agree that you will not disclose it or share it with anyone but the intended recipient. The recipient must correctly provide the e-Transfer Answer to claim or decline the e-Transfer. 

We, the receiving financial institution, our clearing organizations and service providers are entitled to pay an e-Transfer amount to anyone who, using the e-Transfer process, claims to be the recipient and successfully provides the e-Transfer Answer. 

We will not be liable for losses or damages incurred because of a person other than the intended recipient guessing or obtaining the e-Transfer Answer.

If you are the sender of an e-Transfer, you agree not to include the e-Transfer Answer in the transfer details. If you are the recipient of an e-Transfer, you agree not to disclose the e-Transfer Answer except as required to claim or decline the e-Transfer.

If the recipient of an e-Transfer has registered for Autodeposit, the recipient will not be required to provide the e-Transfer Answer and the e-Transfer will be automatically deposited into the recipient’s account. If you want to enable Autodeposit as a recipient through the cwb.digital Services, follow the instructions on our website www.cwbank.com or contact your banking centre. 

While funds are expected to arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims an e-Transfer, we do not guarantee the date of deposit. 

If the recipient successfully claims the e-Transfer but provides incorrect account information, our clearing organization or our agent may request correct account information from the recipient or may initiate another claim process.
 
If you are the sender, an e-Transfer will be returned to you:

a) if the recipient does not claim the e-Transfer within 30 days of the date the e-Transfer is initiated; 

b) if the e-Transfer cannot be successfully sent to the recipient’s electronic address as provided by you; or

c) if the recipient declines the e-Transfer.

You are responsible for providing the recipient’s correct electronic contact information and as a condition of using Our e-Transfer service, agree that the recipient has consented to your collection, use and disclosure of the recipient's electronic contact information for e-Transfers, including without limitation, to its disclosure to us, the recipient’s financial institution, our clearing organization and their service providers.
 
We may cancel an e-Transfer if it has reason to believe that a mistake has occurred or if we believe that the e-Transfer is a product of unlawful or fraudulent activity. If you are the sender, you may cancel an e-Transfer up to the time the recipient successfully claims it. If you are the recipient of an e-Transfer, you acknowledge that an e-Transfer may be cancelled up to the time you successfully claim the e-Transfer.
 
We may also cancel, suspend or refuse to provide an e-Transfer for you or the e-Transfer service at any time in our discretion. We will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing an e-Transfer or for an e-Transfer claimed by someone other than the intended recipient. We will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits we set, our clearing organization or any service provider. All disputes regarding e-Transfers will be handled directly between the sender and the recipient.

e-Transfer Request Money
You may send or receive a request for an e-Transfer through cwb.digital services (an “e-Transfer Request”). If a recipient of an e-Transfer Request does not respond within thirty (30) days of receiving the e-Transfer Request, we will notify you by email that your request has expired.

You are responsible for providing the responder’s correct electronic contact information and as a condition of using our e-Transfer service, agree that the responder has consented to your collection, use and disclosure of the responder’s electronic contact information for e-Transfer Requests, including without limitation, to its disclosure to us, the responder’s financial institution, our clearing organization and their service providers.

The email or instant message notification that is sent to a recipient of an e-Transfer Request indicates that the sender of the e-Transfer Request is requesting money and discloses:

a) the name of the e-Transfer Request sender, 

b) the name of the e-Transfer Request recipient, and 

c) the amount of the e-Transfer Request.

If you are the sender of an e-Transfer Request, you acknowledge that you have an existing relationship with the recipient of the e-Transfer Request and that the recipient will know that the e-Transfer Request came from you.

If the sender of an e-Transfer request has registered for Autodeposit, the sender of the e-Transfer Request will not be required to provide an e-Transfer Answer and the e-Transfer will be automatically deposited into the account of the e-Transfer sender.

Part E: Mobile Remote Deposits
You may deposit original cheques, bank money orders, bank drafts, convenience cheques and certified cheques issued by a bank located in Canada and payable in Canadian currency (“Eligible Items”) through the Mobile Remote Deposit Capture Service by delivering Official Images and associated deposit information to us through cwb.digital services.

You cannot deposit any of the following through the Mobile Remote Deposit Capture Service:

a) items payable to any person or entity other than the person or entity that owns the Account(s) that the item is being deposited into;

b) items which have been altered on the front, or which you know or suspect, or should know or suspect, are fraudulent;

c) items payable jointly, unless deposited into an Account in the name of all payees;

d) items drawn on a financial institution located outside Canada; 

e) photocopies, PDFs or other printouts of items; 

f) items which are postdated or dated more than 6 months prior to the date of deposit;

g) items with any endorsement on the back other than that specified in this Part; and

h) items which have been already deposited through the Mobile Remote Deposit Capture Service, a remote deposit capture service offered at any other financial institution, or any other means, unless you are requested to do so by us in writing.

You acknowledge and agree that:

a) solely for the Mobile Remote Deposit Capture Service, we appoint you as our agent, to act on behalf of us in the creation and transmission of an Official Image to us, and any other related duties that we may require, all in accordance with the published rules and standards of Payments Canada as amended from time to time and applicable legislation governing cheques, bank money orders, bank drafts, convenience cheques and certified cheques. In this context, transmission to and receipt by us of the Official Image will have the same effect as if the item was delivered to our banking centre for negotiation and clearing. You acknowledge and agree that you cannot further delegate this role as agent. 

Further, you acknowledge and agree that you shall be personally responsible and liable for:
i) ensuring that all Official Images created and transmitted are of good quality and fully and accurately capture all material details of the Eligible Item;
ii) maintaining adequate safeguards and procedures for the preservation of originals of all Eligible Items transmitted as Official Images; and
iii) verifying that deposits expected to be made to the Account reconcile with dates and amounts applicable to transmissions made using the Mobile Remote Deposit Capture Service and for providing immediate notice to us of any errors, omissions, irregularities, or concerns about suspicions of fraudulent cheques, bank money orders, bank drafts, convenience cheques and certified cheques or compromise of the security applicable to the use of the Mobile Remote Deposit Capture Service;

b) We may, upon receipt of what reasonably appears to qualify as an Official Image, treat such as an Official Image and, as if it were an original of an Item received at one of our banking centres, subject to the Account Agreement and any of our policies governing cheques, bank money orders, bank drafts, convenience cheques and certified cheques ;

c) the creation of an Official Image will be done using a method we authorized, in our sole discretion, from time to time. Further, you agree to take all proper and necessary precautions to prevent any other person from purporting to create or transmit an Official Image to the credit of your Account;

d) nothing in this Agreement obliges us to accept for deposit any item whether it is or purports to be an Official Image.  If you have any suspicions or concerns about the authenticity, validity, negotiability, or chain of title to any item purporting to be an Eligible Item, then you shall not seek to use the Mobile Remote Deposit Capture Service for negotiation or collection of that item, but will instead bring the original of that item to the counter of the banking centre of Account, identify the specific concerns to us, and fully disclose all material facts known to you relating to that item and fully cooperate with any inquiry or investigation of the concerns;

e) if you use the Mobile Remote Deposit Capture Service with an item that does not qualify for this Service, we, at our discretion, may refuse to negotiate that item or seek to collect on the item on your behalf, as though it was an Eligible Item but without any liability on our part for any delay, inability to collect or any issue arising that inhibits or prevents us from collecting funds on the item;

f) Official Images received through the Mobile Remote Deposit Capture Service are subject to number and dollar limits that may change from time to time without prior notice to you;

g) any Transaction made on any day or at any time during which we are not open for business, may be credited to the Account on the next business day;

h) you agree to make no further use of the original of an imaged Eligible Item, and shall safely retain possession of the original of the Eligible Item without further negotiation, transfer, or delivery to any other person or holder.

i) on transmission of an Official Image of an Eligible Item to us, you are responsible for immediately marking the face of the Eligible Item with a blatant notation or mark that prevents renegotiation of the  Eligible Item and indicates that the  Eligible Item has been imaged and transmitted, taking care not to obliterate any material particulars of that Eligible Item. (For example: This can be done by writing “void” or “paid” or placing a diagonal stroke across the face of the item with a pen, or brightly colored highlighter.) For a period of 120 days after transmission of the Official Image to us, or such shorter period as stipulated by us in writing, you shall retain and produce to us on written request the original of all imaged Eligible Items. If you receive a written request to retain or produce the original of any imaged Eligible Item, you will comply with the written request, and shall, if requested, produce, by delivering to us, the original of all specified Eligible Items within 5 business days of such request. If you fail to comply with the written request made pursuant to this provision, then we can place or continue a hold on or reverse any credit made to the Account in relation to those specified Eligible Items, even if such creates an overdraft on the Account. If no written request is received within that time, then 120 calendar days after an Official Image has been transmitted to us through the Mobile Remote Deposit Capture Service or such shorter period as stipulated by us in writing, and provided that you have verified a credit to the Account that reconciles to the Official Image transmitted, you agree to immediately proceed with destruction of the original of the  Eligible Item. Destruction methods include shredding, pulping, burning, or any other means that ensures that the original item cannot be reused;

j) you are responsible for any and all costs associated with obtaining a replacement Eligible Item in the event that we request you to re- transmit an Official Image in accordance with h) above, and the original Eligible Item was destroyed in accordance with i) above or otherwise lost;

k) in our sole discretion, electronic notices for purposes related to the Mobile Remote Deposit Capture Service may be generated and sent to you after the customer uses the Mobile Remote Deposit Capture Service to transmit an Official Image, including to advise you of the receipt by us of an Official Image;

l) an electronic notice, if any, sent in connection with the Mobile Remote Deposit Capture Service is for information purposes only and is no guarantee that the Official Image will be accepted by us or that the Account will be credited;

m) we will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of use of the Mobile Remote Deposit Capture Service, including, but not limited to, a delay in processing a Transaction or if we require you to obtain another cheque, bank money order, bank draft, convenience cheque or certified cheque;

n) you accept the risk that an Official Image may be intercepted or misdirected during transmission and we bear no liability to you or others for any such intercepted or misdirected Official Image or information disclosed through such errors;

o) you agree to us for all claims, losses, damages or costs (including solicitor and own client costs on a full indemnity basis) incurred from your use of the Mobile Remote Deposit Capture Service, duplicate negotiation of items that were at any time presented as Official Images of  Eligible Items, misuse of Official Images or items purporting to be Official Images, or negotiation of Eligible Items where an Official Image has also been transmitted for collection.

Part F: Provisions For Business Use
Access to Business Accounts and Services
You may designate any individual as a Business User and may give your Business User(s) different levels of access to the Services. 

By designating a person as a Business User, you are authorizing that individual to view information about your business and to carry out online transactions on behalf of your business (subject to any limits on the Business User's access, as described above). It is your responsibility to ensure that the level of access provided to a particular Business User is appropriate for that individual. 

You accept the responsibility for all losses that may arise from any unauthorized use including a Business User misusing his or her authority in any way. You will ensure that the Business User(s) meets any eligibility or other requirements for online access that are communicated by us as part of the application process.
At our request, you must provide full and current particulars of the identities of any and all Business Users who have any rights of access to any Accounts pursuant to the Services.

Part G: Alerts
You may subscribe to various Alerts. You can choose to receive Alerts via email, push notification to a Device, or any other method we offer from time to time. Alerts do not constitute bank records for the Account(s) to which it pertains. We may add new Alerts from time to time without prior notice to you or discontinue old Alerts by posting a notice on the Website. We may include specific, confidential personal information in Alerts, and you expressly consent to such use of your confidential personal information by us.

You hereby acknowledge and accept that Alerts are sent to you without being encrypted and may include information pertaining to your Account(s). Account numbers will be partially masked. 

 It is your responsibility to determine if your mobile carrier or Internet service provider supports the type of Alert you have selected and if your Device is capable of receiving such Alerts. Depending on your chosen alert delivery method, you must have internet and/or data services enabled on your Device. 

Alerts are subject to the terms and conditions of your agreement with your mobile carrier and/or internet service provider. You are responsible for any fees or charges of any kind whatsoever imposed by your mobile service provider and internet service provider.

Information such as your Account balances and due dates for account payments may be included in Alerts. Anyone with access to your email or Device may be able to view these Alerts. It is your responsibility to ensure that this information is kept confidential and secure.

The contact information you provide when enabling Alerts through cwb.digital services is not reviewed or verified by us prior to or following activation of the alert service. It is your responsibility to ensure that your contact information is current and accurate. Contact your banking centre at any time to update your Device or telephone number, email address or any other contact information used to receive Alerts.

At any time, you may disable certain Alerts within the Website, within the Application or by contacting your banking centre. 

Alerts may be delayed, not delivered or be inaccurate due to a variety of factors, including technical problems or as required by applicable law. We will not be liable to you for any losses arising out of your use or inability to use the Alerts, or for the accuracy or inaccuracy of any Alerts. 

Alerts may be lost, intercepted, reviewed, or altered by others. Telephone Alerts may be provided by an automated message which would be read to any person who answers your phone or is left on your answering machine. You accept the risk that the Alerts may be lost, intercepted, reviewed, or altered by others.

Part H: My Business Service
The My Business Service conducts one-to-one dialogue with you for various practical purposes, including customer service, information acquisition, and product recommendations. 

The information provided by the My Business Service is intended for informational purposes only and shouldn’t be considered as financial advice or a financial plan. You understand and agree that:

a) the My Business Service cannot be used or expected to be used as a channel to conduct banking transactions or services;

b) the My Business Service has a limited capacity to answer questions and may not be able to provide you with the information you seek;

c) responses from the My Business Service are general in nature; and

d) responses from the My Business Service are not official statements made by us, and you are responsible for determining if the response is applicable to you.

When interacting with the My Business Service, you understand and agree that:

a) We may monitor and/or record the discussion for our mutual protection and to enhance the My Business Service and the quality of our service;

b) You will not ask the My Business Service questions that include characteristics personal to you (such as things like your contact information or address, ethnicity or country of origin, colour or race, gender or sexual orientation, marital or family status, disability, religion);

c) the My Business Service may collect Device-related information including IP address, mobile device identification number (IMEI) (depending on your mobile device), and other device-related information, such as the make and model of your Device, its operating system, and the time and date of your use;

d) You will not submit, post, or publish any material that may be considered by us to be defamatory, obscene, pornographic, threatening, invasive of privacy or publicity rights, abusive, illegal, indecent, or otherwise harmful to others. In such a case, or at our discretion for any other reason, we may end the My Business Service sessions at any time without prior notice and delete or restrict your access to the My Business Service without being liable for any loss resulting from such action.

Part I: Limitations, Liabilities, and Termination
Limitations
You acknowledge that although we use security safeguards to protect against loss, theft, and unauthorized access, because of the nature of data transmission over the Internet, security is not guaranteed, and information is transmitted at your risk.
  
You acknowledge that the availability of the Services depends on telecommunication lines, computer hardware and software, and other equipment belonging to you, us, and third parties. You agree we will not be liable for any loss, damage (direct, indirect or consequential), delay or inconvenience whatsoever caused by, or arising from, the provision of, or failure to provide, services or the malfunction or failure to operate any software or equipment for any reason whatsoever, including when the Services are unavailable due to maintenance, repairs or upgrades to our systems. In no event will we be liable for any personal injury, or property damage or any loss of business or profit or other indirect or consequential damages whatsoever.

No Representations
We expressly disclaim all representations, warranties, and conditions, express or implied, not contained in these Terms including, but not limited to, implied representations, warranties and conditions of quality, merchantability, performance, and fitness for a particular purpose. 

Without limiting the generality of the foregoing: 

a) there may be times when digital banking is unavailable for you to use due to maintenance, repairs or upgrades to our systems. We'll aim to notify you in advance of any scheduled maintenance work but may not always be able to do so;

b) We do not represent and warrant the cwb.digital services, or the Website, are free from viruses, errors,  defects, , Trojan horses, worms, or other destructive components.
 
Termination
We may, after providing not less than five (5) days’ notice to you, withdraw permission to use any of the cwb.digital services without being liable for any loss resulting from such action. Notice may be personally delivered or mailed to your address shown on our records for the Account(s) or be otherwise made available to you. If mailed, the notice will be deemed to have been received by you three (3) business days after it was mailed.
 
You may terminate your use of the Services by delivery of a written notice to us at least five (5) days prior to the termination date stated in the notice. Notice must be received by us to be effective.
 
The termination of the Services for any reason will not relieve you of any accrued obligation with respect to the cwb.digital.

Part J: Other
Transfers With Linked Accounts 
You may link multiple Account(s) to a single username on cwb.digital services to allow you to access the Account(s). Linking accounts on cwb.digital services will not constitute merging of the linked the Account(s). If you want to link multiple Accounts to a single username on cwb.digital services, then please visit your banking centre for more information. We reserve the right to refuse to link any Account(s) to your username on cwb.digital services. If we agree to link multiple Account(s) to your username on cwb.digital services, then you acknowledge and agree that:

c) We may, at our sole discretion, limit the type of Transactions that can be authorized between the Accounts, specifically whether Transactions will be in the form of credits to an Account, debits from an Account, or both credits to and debits from an Account;

d) We reserve the right to limit the dollar amount of Transactions made to or from a linked Account and the number of Transactions made to or from a linked Account;

e) We reserve the right to apply a hold on the Transaction amount to a linked Account for a period of time to be determined by us, during which time the Transaction or portion thereof will not be accessible to you;

f) We cannot guarantee the date of a Transaction to and from a linked Account and we will not be held liable for any cost, expense, loss, damage, or inconvenience of any nature arising as a result of a delay in the processing of Transactions; and

g) a Transaction will be reversed if the Transaction cannot be delivered or if it is returned for any reason.

Links  
We may provide links to other websites through cwb.digital services , including those of third parties who may also provide services to you. You acknowledge that all those other websites and third-party services are independent from us and may be subject to separate agreements that govern their use. We have no liability for those other websites or their contents or the use of third-party services. Links are provided for convenience only, and you assume all risk resulting from accessing or using such other websites or third-party services.

Third Party Services
We may, from time to time, make services or applications provided by third parties available through cwb.digital services. You acknowledge and agree, and shall ensure that each Business User acknowledges and agrees, that:

a) We make the services or applications of third parties available through cwb.digital services for your convenience. The services and applications are provided by the third parties and not us. Your relationship with the third parties shall be a separate relationship, independent of the relationship between you and us, and such services, applications, and relationships with third parties are outside our control.

b) those third-party services and applications which may be made available to you are subject to the third parties’ respective terms and conditions, including their respective privacy policies. Please carefully review these third-party terms and conditions. If you do not agree with the terms and conditions of any third-party service or application, including Data Transfer, you should not use or access the third-party service or application or permit it to have access to your data.

c) We may use (and provide to third parties) a service for Data Transfer in order to, among other things, facilitate certain interoperability, data integration, and data access between CWB.digital services and the applicable third-party services and applications. By signing up or by using any third-party service or applications, you agree that: 
i) we may transfer your data to all third-party service providers or applications you request subject to the third parties’ terms and conditions; and
ii) third party service or application provider may transfer your data from the third party to CWB.digital services for use in accordance with the Terms. 

You grant all rights to use your data as reasonably necessary to facilitate the Data Transfer to third party service and application providers and you acknowledge that third party service and application providers may be located in a country that does not have adequate security controls to protect your data. You agree that the third-party service and application providers, and not us, are solely responsible for and their use or disclosure of your data.

d) We make no representation or warranty to you with respect to any services or applications provided by a third party even though those services may be accessed by you or a Business User through cwb.digital services or the Website.

e) You assume all risks associated with accessing or using the services and applications of third parties.

f) We have no responsibility or liability to you in respect of services and applications provided by a third party.

g) any dispute that relates to services provided by a third party is strictly between you and the third party, and you will raise no defence or claim against us.

h) the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and Regulations may apply to the services provided by third parties and that the third parties may, from time to time, adopt policies and procedures to address the reporting, record-keeping, client identification, and ongoing monitoring requirements of that legislation.

Service Charges And Fees
You will pay the service charges that we establish from time to time for the Services. You acknowledge receipt of a schedule of our charges for the Services in effect at the time of acceptance of this Agreement. We may, from time to time, increase or decrease the service charges for the Services and provide notice of such changes by sending a notice to your Contact Info, by posting notice at our premises or on our website, by personal delivery, or by any other means we, acting reasonably, consider appropriate to bring the change to your attention. Current service charges for the Services may be obtained by contacting us or through our website. You are responsible for determining the then current service charges for the Services you request, in advance of using the Services. By requesting the Services, you acknowledge your agreement to pay service charges for the Services as requested as then in effect. We can deduct such obligations from your Account(s) (or other accounts belonging to you with us) when the Services are requested or performed. New or amended service charges and fees will become effective on the stated effective date following publication, when the Services are requested or performed, or when incurred.

Suspension of Access
We may immediately suspend your use of the cwb.digital services if we have reason to suspect that you have used them for fraudulent, illegal, or money laundering purposes, or if you have, in our sole discretion, misused the Services.

Changes to the Terms
We may add to or change the terms and conditions of this Agreement from time to time.
 
We will give notice of any other additional or amended terms and conditions in the log-in screen to cwb.digital services and you will have to accept the amended terms and conditions before accessing the Services.

Privacy 
Our Privacy Statement describes how we collect, use and share your and your Business User’s personal information. For more information about what we collect from you, the information we use and disclose when you visit the Website or use the Services, refer to the Privacy Statement on the cwb.com website.

Complaint Handling
We encourage clients to raise questions or concerns with the banking centre or office where they do business. Each banking centre or office is supported by a Vice President who has the decision-making authority to resolve most problems.

Additional information can be found in our complaint handling brochure which is available upon request at any of our banking centres or offices or by referring to the Resolving your concerns section of the cwb.com website.

Trademarks
You acknowledge that we own the trademark "cwb.digital" and that nothing in this Agreement grants to you any right to reproduce or use in any manner such trademark without Our express prior consent.
 
Survival
The disclaimers, liability exclusions, liability limitations, and indemnity and trademark provisions in this Agreement survive indefinitely after the termination of this Agreement.

Applicable Law
This Agreement will be governed by and interpreted in accordance with the laws of the Province or Territory in which you live and the laws of Canada, as applicable. If you live outside of Canada, this Agreement will be governed by and interpreted in accordance with the laws of the Province of Alberta and Canada, as applicable.

Click below to read the CWB Commercial Terms and Conditions:

• CWB Commercial Terms and Conditions

Click below to read our current Business or Personal Account Agreements:

• Business-account-agreement
• Personal-account-agreement

CWB Financial Group companies

The symbols ® and ™ designate Canadian registered trademark and, generally, unregistered trademark status respectively. The below lists registered and unregistered trademarks of Canadian Western Bank. Canadian Western Bank has additional trademarks and service marks, registered and unregistered, in Canada, which may or may not appear on this site.

• ADROIT GROUP^® & Design is a registered trademark of Canadian Western Bank.
• ADROIT INVESTMENT MANAGEMENT^® & Design is a registered trademark of Canadian Western Bank.
• APEX^® & Design is a registered trademark of Canadian Western Bank.
• A BETTER WAY TO SAVE^® is a registered trademark of Canadian Western Bank.
• A REPUTATION FOR GETTING THINGS DONE.^® is a registered trademark of Canadian Western Bank.
• BANQUE CANADIENNE DE L'OUEST™ is a trademark of Canadian Western Bank.
• CANADA'S WESTERN BANK^® is a registered trademark of Canadian Western Bank.
• CANADIAN WESTERN^® is a registered trademark of Canadian Western Bank.
• CANADIAN WESTERN BANK^® is a registered trademark of Canadian Western Bank.
• CANADIAN WESTERN BANK^® & Design is a registered trademark of Canadian Western Bank. 
• CANADIAN WESTERN FINANCIAL^® is a registered trademark of Canadian Western Bank. 
• CANADIAN WESTERN INSURANCE^® & Design is a registered trademark of Canadian Western Bank. 
• CANADIAN WESTERN INSURANCE SERVICES^® & Design is a registered trademark of Canadian Western Bank. 
• CANADIAN WESTERN TRUST^® is a registered trademark of Canadian Western Bank. 
• CANADIAN WESTERN TRUST^® & Design is a registered trademark of Canadian Western Bank. 
• CAPITALIZE ON THE FEE -ONLY DIFFERENCE^® is a registered trademark of Canadian Western Bank.
• CGSDIRECT^® is a registered trademark of Canadian Western Bank.
• CONSEILLERS EN PLACEMENTS T.E.^® is a registered trademark of Canadian Western Bank.
• CONSEILLERS T.E.^® is a registered trademark of Canadian Western Bank.
• CORPORATE SHAREHOLDER SERVICES & Design^® is a registered trademark of Canadian Western Bank.
• CWB^® is a registered trademark of Canadian Western Bank.
• CWBALANCE^® is a registered trademark of Canadian Western Bank.
• CWBALANCE^® & Design is a registered trademark of Canadian Western Bank.
• CWBANK^® is a registered trademark of Canadian Western Bank.
• CWB.DIGITAL™ is a trademark of Canadian Western Bank.
• CWBdirect^® is a registered trademark of Canadian Western Bank.
• CWB BANQUE CANADIENNE DE L'OUEST™ & W & Maple Leaf Design (horizontal) is a trademark of Canadian Western Bank.
• CWB BANQUE CANADIENNE DE L'OUEST™ & W & Maple Leaf Design (vertical) is a trademark of Canadian Western Bank.
• CWB BUSINESS ADVANTAGE ACCOUNT™ is a trademark of Canadian Western Bank.
• CWB BUSINESS TRUST ACCOUNT™ is a trademark of Canadian Western Bank.
• CWB CANADIAN WESTERN BANK GROUP^® is a registered trademark of Canadian Western Bank.
• CWB CANADIAN WESTERN BANK GROUP^® & Design is a registered trademark of Canadian Western Bank.
• CWB CANADIAN WESTERN BANK^® & W and Maple Leaf Design (horizontal) is a registered trademark of Canadian Western Bank.
• CWB CANADIAN WESTERN BANK^® & W and Maple Leaf Design (vertical) is a registered trademark of Canadian Western Bank.
• CWB CANADIAN WESTERN FINANCIAL^® is a registered trademark of Canadian Western Bank.
• CWB CANADIAN WESTERN TRUST^® & W and Maple Leaf Design (horizontal) is a registered trademark of Canadian Western Bank.
• CWB CANADIAN WESTERN TRUST^® & W and Maple Leaf Design (vertical) is a registered trademark of Canadian Western Bank.
• CWB CORE^® is a registered trademark of Canadian Western Bank. 
• CWB DIRECT^® is a registered trademark of Canadian Western Bank.
• CWBDIRECT ADVANCED INTERNET BANKING^® is a registered trademark of Canadian Western Bank.
• CWB ECHELON REWARDS BUSINESS™ is a trademark of Canadian Western Bank.
• CWB ECHELON REWARDS + BUSINESS™ is a trademark of Canadian Western Bank.
• CWB Equipment Financing^® is a registered trademark of Canadian Western Bank.
• CWB EQUIPMENT FINANCING^® & W and Maple Leaf Design (horizontal) is a registered trademark of Canadian Western Bank.
• CWB EQUIPMENT FINANCING^® & W and Maple Leaf Design (vertical) is a registered trademark of Canadian Western Bank.
• CWB FINANCEMENT DE FRANCHISES™ is a trademark of Canadian Western Bank.
• CWB FINANCEMENT DE FRANCHISES™ & W & Maple Leaf Design (horizontal) is a trademark of Canadian Western Bank.
• CWB FINANCEMENT DE FRANCHISES™ & W & Maple Leaf Design (vertical) is a trademark of Canadian Western Bank.
• CWB FINANCIAL GROUP^® is a registered trademark of Canadian Western Bank.
• CWB FINANCIAL GROUP™ & Design (horizontal) is a trademark of Canadian Western Bank.
• CWB FINANCIAL GROUP™ & Design (horizontal 2019) is a trademark of Canadian Western Bank.
• CWB FINANCIAL GROUP™ & Design (Vertical) is a trademark of Canadian Western Bank.
• CWB FINANCIAL GROUP™ & Design (vertical 2019) is a trademark of Canadian Western Bank.
• CWB Franchise Finance^® is a registered trademark of Canadian Western Bank. 
• CWB FRANCHISE FINANCE^® & Design (horizontal) is a registered trademark of Canadian Western Bank.
• CWB FRANCHISE FINANCE^® & Design (vertical) is a registered trademark of Canadian Western Bank.
• CWB GESTION DE PATRIMOINE™ is a trademark of Canadian Western Bank.
• CWB GROUPE FINANCIER™ is a trademark of Canadian Western Bank.
• CWB GROUPE FINANCIER™ & Horizontal Design is a trademark of Canadian Western Bank.
• CWB GROUPE FINANCIER™ & Vertical Design is a trademark of Canadian Western Bank.
• CWB IS OBSESSED WITH YOUR SUCCESS™ is a trademark of Canadian Western Bank. 
• CWB MAXIUM FINANCIAL^® is a registered trademark of Canadian Western Bank. 
• CWB MAXIUM FINANCIAL^® & W and Maple Leaf Design (horizontal) is a registered trademark of Canadian Western Bank. 
• CWB MAXIUM FINANCIAL^® & W and Maple Leaf Design (vertical) is a registered trademark of Canadian Western Bank.
• CWB McLEAN & PARTNERS WEALTH MANAGEMENT™ & W & Maple Leaf Design (Horizon) is a trademark of Canadian Western Bank.
• CWB McLEAN & PARTNERS WEALTH MANAGEMENT™ & W & Maple Leaf Design (Vertical) is a trademark of Canadian Western Bank.
• CWB MUTUAL FUNDS^® & W and Maple Leaf Design (horizontal) is a registered trademark of Canadian Western Bank. 
• CWB MUTUAL FUNDS^® & W and Maple Leaf Design (vertical) is a registered trademark of Canadian Western Bank. 
• CWB NATIONAL LEASING^® & W & Maple Leaf Design (Horizontal) is a registered trademark of Canadian Western Bank. 
• CWB NATIONAL LEASING^® & W & Maple Leaf Design (Vertical) is a registered trademark of Canadian Western Bank. 
• CWB ONYX^® is a registered trademark of Canadian Western Bank.
• CWB PARTENAIRES EN GESTION DE PATRIMOINE™ is a trademark of Canadian Western Bank.
• CWB PRESTIGE™ is a trademark of Canadian Western Bank. 
• CWB SERVICES FIDUCIAIRES™ is a trademark of Canadian Western Bank.
• CWB SERVICES FIDUCIAIRES™ & W & Maple Leaf Design (horizontal) is a trademark of Canadian Western Bank.
• CWB SERVICES FIDUCIAIRES™ & W & Maple Leaf Design (vertical) is a trademark of Canadian Western Bank. 
• CWB TRUST SERVICES™ & Design (horizontal) is a trademark of Canadian Western Bank. 
• CWB TRUST SERVICES™ & Design (vertical) is a trademark of Canadian Western Bank. 
• CWB WEALTH™ is a trademark of Canadian Western Bank.
• CWB WEALTH MANAGEMENT^® is a registered trademark of Canadian Western Bank.
• CWB WEALTH MANAGEMENT^® & W and Maple Leaf Design is a registered trademark of Canadian Western Bank.
• CWB WEALTH MANAGEMENT^® & W and Maple Leaf Design (horizontal) is a registered trademark of Canadian Western Bank.
• CWB WEALTH PARTNERS™ is a trademark of Canadian Western Bank.
• CWB WESTERN CHOICE HOME EQUITY PLAN^® is a registered trademark of Canadian Western Bank. 
• CWB WESTS^® is a registered trademark of Canadian Western Bank. 
• CWB BUSINESS UNLIMITED ACCOUNT™ is a trademark of Canadian Western Bank.
• CWB™ & W & Maple Leaf Design is a trademark of Canadian Western Bank.
• CWB ™ & W & Maple Leaf Design (2019) is a trademark of Canadian Western Bank.
• CWEB^® is a registered trademark of Canadian Western Bank. 
• CWT^® is a registered trademark of Canadian Western Bank. 
• DESANTE^® is a registered trademark of Canadian Western Bank. 
• ECHELON REWARDS BUSINESS™ is a trademark of Canadian Western Bank.
• ECHELON REWARDS + BUSINESS™ is a trademark of Canadian Western Bank.
• EDU FINANCE^® is a registered trademark of Canadian Western Bank. 
• EDU FINANCE DESIGN^® is a registered trademark of Canadian Western Bank. 
• FEE-ONLY^® is a registered trademark of Canadian Western Bank. 
• FIDUCIE CANADIENNE DE L'OUEST^® is a registered trademark of Canadian Western Bank. 
• FIDUCIE VALIANT^® is a registered trademark of Canadian Western Bank. 
• FOCUSED ON YOU^® is a registered trademark of Canadian Western Bank.
• GOLDKEY^® Design is a registered trademark of Canadian Western Bank.
• GOLD LEAF PLUS DESIGN^® is a registered trademark of Canadian Western Bank.
• GROUPE BANQUE CANADIENNE DE L'OUEST^® is a registered trademark of Canadian Western Bank.
• HIGH RISE GIC^® is a registered trademark of Canadian Western Bank.
• HOMEWORKS^® is a registered trademark of Canadian Western Bank.
• HONORAIRES UNIQUEMENT^® is a registered trademark of Canadian Western Bank.
• KEYDIRECT^® is a registered trademark of Canadian Western Bank.
• KEYFLEX^® is a registered trademark of Canadian Western Bank.
• KEYREACH^® is a registered trademark of Canadian Western Bank.
• KEYGIVING^® Design is a registered trademark of Canadian Western Bank.
• KEYRATE^® Design is a registered trademark of Canadian Western Bank.
• KEYRETURN^® Design is a registered trademark of Canadian Western Bank.
• LEADING AN INTERESTING LIFE^® is a registered trademark of Canadian Western Bank.
• MONEY ED^® is a registered trademark of Canadian Western Bank.
• MOTIVE^® is a registered trademark of Canadian Western Bank.
• MOTIVE CHA-CHING CHEQUING^® is a registered trademark of Canadian Western Bank.
• MOTIVE FINANCIAL^® is a registered trademark of Canadian Western Bank.
• MOTIVE FINANCIAL^® & Design No. 1 is a registered trademark of Canadian Western Bank.
• MOTIVE FINANCIAL^® & Design No. 2 is a registered trademark of Canadian Western Bank.
• MOTIVE FINANCIAL ^® & Design No. 3 is a registered trademark of Canadian Western Bank.
• MOTIVE IS FOR SAVERS^® is a registered trademark of Canadian Western Bank.
• MOTIVE SAVVY SAVINGS^® is a registered trademark of Canadian Western Bank.
• NOTRE PRIORITÉ, C’EST VOUS^® is a registered trademark of Canadian Western Bank.
• OBSESSED WITH YOUR SUCCESS™ is a trademark of Canadian Western Bank. 
• PROFITEZ DE LA DIFFERENCE, UNIQUEMENT DES HONORAIRES^® is a registered trademark of Canadian Western Bank.
• PROGRAMME D’INVESTISSEMENT STRATEGIQUE^® is a registered trademark of Canadian Western Bank.
• PROSPERIGUIDE™ is a trademark of Canadian Western Bank.
• PROSPERIPLAN^® is a registered trademark of Canadian Western Bank.
• PROSPERITY^® is a registered trademark of Canadian Western Bank.
• PROSPERITYPLAN^® is a registered trademark of Canadian Western Bank.
• PROSPERITYPLAN & DESIGN^® is a registered trademark of Canadian Western Bank.
• SCRATCH & EARN^® is registered trademark of Canadian Western Bank.
• SENSIBLE LENDING^® is a registered trademark of Canadian Western Bank.
• SERVICE YOU CAN TRUST^® is a registered trademark of Canadian Western Bank.
• SIP & DESIGN^® is a registered trademark of Canadian Western Bank.
• SOUND DECISIONS. SOLID RESULTS.^® is a registered trademark of Canadian Western Bank.
• STRATA SOLUTION^® is a registered trademark of Canadian Western Bank.
• STRATEGIC INVESTMENT PROGRAM^® is a registered trademark of Canadian Western Bank.
• SUMMIT SAVINGS ACCOUNT^® is a registered trademark of Canadian Western Bank.
• TEAL BLUE MARBLE™ Design is a trademark of Canadian Western Bank.
• T.E. WEALTH^® is a registered trademark of Canadian Western Bank.
• THE EASIER WAY HOME^® is a registered trademark of Canadian Western Bank.
• THE FEE-ONLY DIFFERENCE^® is a registered trademark of Canadian Western Bank.
• THE GREATER INTEREST GIC^® is a registered trademark of Canadian Western Bank.
• THE WORKING BANK^® is a registered trademark of Canadian Western Bank.
• THE WESTEARNER & DESIGN^® is a registered trademark of Canadian Western Bank.
• THE WESTEARNER EQUITY BUILDER^® is a registered trademark of Canadian Western Bank.
• ULTIMATE CHOICE^® is a registered trademark of Canadian Western Bank.
• VALIANT TRUST & W Design (Chinese Characters)^® is a registered trademark of Canadian Western Bank.
• VALIANT TRUST & W & Maple Leaf Design^® is a registered trademark of Canadian Western Bank.
• VALIANT TRUST COMPANY^® is a registered trademark of Canadian Western Bank.
• VOTRE COMMUNAUTÉ. VOTRE HÉRITAGE.^® is a registered trademark of Canadian Western Bank.
• VOTRE VIE. VOTRE HÉRITAGE.^® is a registered trademark of Canadian Western Bank.
• VWEB^® is a registered trademark of Canadian Western Bank.
• W & MAPLE LEAF DESIGN^® is a registered trademark of Canadian Western Bank.
• W & Maple Leaf & Design (2019)™ is a trademark of Canadian Western Bank.
• W & Maple Leaf & Chinese Characters Design^® is a registered trademark of Canadian Western Bank.
• WE KEEP BUSINESS ROLLING™ is a trademark of Canadian Western Bank.
• WE'RE FOR SAVERS^® is a registered trademark of Canadian Western Bank.
• WE'RE OBSESSED WITH OUR CLIENTS' SUCCESS™ is a trademark of Canadian Western Bank.
• WESTEARNER^® is a registered trademark of Canadian Western Bank.
• WESTERN CHOICE HOME EQUITY PLAN^® is a registered trademark of Canadian Western Bank.
• YOU’LL LOVE IT HERE™ is a trademark of Canadian Western Bank.
• YOUR COMMUNITY. YOUR LEGACY.^® is a registered trademark of Canadian Western Bank.
• YOUR LIFE. YOUR LEGACY.^® is a registered trademark of Canadian Western Bank.
• YOUR SUCCESS IS OUR OBSESSION™ is a trademark of Canadian Western Bank.

Third party trademarks

The display of trademarks herein does not imply that a license of any kind has been granted.

• American Express® is a registered trademark of American Express Inc.
• Android™ is a trademark of Google Inc.
• App Store® is a service mark of Apple Inc., registered in the U.S. and other countries.
• Apple®, the Apple logo, iPhone®, iPod Touch®, and iPad® are trademarks of Apple Inc. registered in the United States and other countries.
• BlackBerry® is a registered trademark of Blackberry Limited
• Canadian Securities Course (CSC)®, Conduct & Practices Handbook Course (CPH)®, Professional Financial Planning Course (PFPC)® and Wealth Management Essentials (WME)® are registered trademarks of the Canadian Securities Institute.
• CFP® and Certified Financial Planner® are certification trademarks owned outside the U.S. by Financial Planning Standards Board Ltd. (FPSB). Financial Planning Standards Council is the marks licensing authority for the CFP marks in Canada, through agreement with FPSB.
• Cirrus® is a registered trademark of Mastercard International Inc.
• Discover® is a registered trademark of Discover Financial Services.
• Google and the Google Pay Logo are trademarks of Google LLC.
• INTERAC® is a registered trademark of Interac Inc.
• Maestro® is a registered trademark of Mastercard International Inc.
• Mastercard® is a registered trademark of Mastercard International Inc.
• MBNA® is a registered trademark of the Toronto Dominion Bank
  Moneris®, Moneris Solutions®, and the Moneris design are all registered trademarks of Moneris Solutions Corporation.
• PH&N LifeTime Funds® is a registered trademark of PH&N Investment Services.
• Qtrade Investor is a division of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.
• Samsung and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd. 
• THE EXCHANGE Network® is a registered trademark of FICANEX Canada Inc.
• Visa* is a registered trademark of Visa International Service Association.

• Registered Retirement Savings Plans (RRSPs)
• Registered Education Savings Plans (RESPs)
• Registered Retirement Income Funds (RRIFs)
• Registered Disability Savings Plans (RDSPs)
• Registered Pension Plans (RPP)
• Tax-Free Savings Accounts (TFSAs)
• Deferred Profit Sharing Plans (DPSPs)

• A citizen of the US (including those born in the US but resident in Canada or another country who have not renounced their US citizenship)
• A resident of the US (including US green card holders)
• An entity (that is a business or non-profit, including estates and trusts) that is a tax resident of the US or is a passive entity with one or more controlling persons who are US reportable persons.

What information will be reported to CRA?

If an account is reportable under FATCA or CRS, the following information (as applicable) will be reported to the CRA:

• Account holder’s:
• Name
• Address
• Date of birth (for individuals)
• SIN (Canada only)
• Tax identification number (TIN) (if country issues TINs)
• Country (countries) of tax residence
• Account number
• Account balance or value (or the closure of the account)
• Amount of interest, dividends, gross proceeds and other payments made or credited to the account (if applicable)
• Payments paid or credited to Non-Participating Foreign Financial Institutions

The above information is not exhaustive. Other countries participating in the CRS may require additional information to be reported to their local tax authorities (such as the account holder’s place of birth).

Learn more

For more information on FATCA and CRS, please visit the CRA website, or CRA’s FATCA guidance and/or CRS guidance.

The above information is intended to provide general guidance only, and is not an exhaustive analysis of all provisions of FATCA or CRS. The above information should not be construed as legal, financial, or tax advice. CWB Financial Group cannot provide legal or tax advice to clients. If you are unsure about your tax residence, speak with a professional tax advisor.

In compliance with the Support Orders and Support Provisions (Banks and Authorized Foreign Banks) Regulations and Support Orders and Support Provisions (Trust and Loan Companies) Regulations, these offices have been designated for the service of enforcement notices: