All policies and procedures at Haventree Bank have been developed to promote the respect, dignity, and independence of all individuals, including people with disabilities. Should anyone encounter a policy or procedure that impedes these principles, they will be reviewed, modified, or removed.

Haventree Bank is committed to fostering an inclusive, accessible, and respectful environment where all individual employees, clients, and members of the publicare treated with dignity and independence.

We recognize and value the diverse abilities of individuals and are dedicated to identifying, preventing, and removing barriers to accessibility in accordance with the Canadian Charter of Rights and Freedoms, the Accessible Canada Act, and other applicable accessibility legislation. Accessibility is an ongoing journey at Haventree Bank. Through regular assessments, stakeholder feedback, and proactive planning, we strive to continuously improve how we design our workplaces, deliver our services, and communicate with the communities we serve.

Under the Accessible Canada Act and Accessible Canada Regulations, federally regulated entities must prepare and publish an accessibility plan.

Haventree Bank is a Canadian Schedule I bank with approximately 290 employees, specializing in alternative mortgage solutions and insured GIC deposits. We serve clients across Canada, helping hardworking Canadians achieve homeownership and financial security.

This Accessibility Plan and progress reports outline how Haventree Bank is identifying, preventing, and removing barriers across the areas described under section 5 of the Act.

Fern Glowinsky, President & CEO

We believe that everyone deserves equal access to our workplace, products, services, and facilities regardless of physical, sensory, cognitive, or mental ability. Accessibility is not only a legal requirement, but a moral and ethical imperative that strengthens our organization and the communities we serve.

We are actively identifying and addressing accessibility barriers across our organization through policy updates, technology improvements, physical modifications, and employee training. While we are proud of the progress we’ve made, we know there is more work ahead.

I encourage our employees, clients, and partners to join us in embracing accessibility as a shared commitment. Together, we can continue to build an inclusive workplace and banking experience grounded in respect, equity, and opportunity for all.

Feedback is essential to improving accessibility at Haventree Bank. It helps us better understand the needs and lived experiences of people with disabilities and identify meaningful opportunities to improve.

The Chief Human Resources Officer is responsible for receiving accessibility feedback on behalf of the Bank. How to contact us:

• Email: accessibility@haventreebank.com

• Mail: Accessibility Feedback Haventree Bank P.O. Box 1160 STN TD Toronto, ON M5K 1P2

• Toll-free: 1-855-272-0051

Clients and employees may:

• Phone, email, or mail the Chief Human Resources Officer; and/or

• Request the most effective and reasonable communication format to suit their accessibility needs.

All feedback is acknowledged and reviewed. Where appropriate, we take action to improve our policies, practices, and procedures, while respecting individual privacy. Complaints are addressed promptly, and responses are provided in accessible formats.

Our Accessibility Plan outlines the measures Haventree Bank has implemented and will continue to implement to remove barriers across employment, customer service, information and communications, technology, and the built environment.

A copy of our Accessibility Plan or Progress Reports can be requested in alternate formats using the contact information above

Paula Fernandes, CHRL

Over the past three years, accessibility awareness at Haventree Bank has grown in both depth and breadth, spanning training & awareness, digital design, service delivery, employment practices, and governance.

Some of the key milestones include:

• Embedded accessibility into enterprise design standards, including website and digital banking platforms, across design, development, and quality assurance processes.

• Established an active Inclusion, Diversity, Equity, and Accessibility (IDEA) Committee to reinforce a culture of respect and inclusion.

• Reviewed employment practices across the employee lifecycle, from recruitment through career development, including the use of inclusive language and improved accommodation tracking.

• Deployed an accessible compliant Human Resource Information System and Learning Management System to support an inclusive candidate and employee experience.

• Delivered customer service training focused on inclusive practices, with additional enhancements planned and launched a company wide annual accessibility training.

• Incorporates accessibility question for vendors in our vendor management process.

• Established partnerships to support language access, including interpretation and translation services.

• Implemented an AI-enabled HR support tool to improve access to information, reduce cognitive load, and support diverse communication needs.

• Conducted an internal compliance audit in 2024 to strengthen accountability and oversight.

While meaningful progress has been made, as evidenced by our anonymous employee survey results, our work remains ongoing.

2025 Survey Highlights (Year-over-Year):

1. Fairness, Safety, and Inclusion

   • “This is a physically safe place to work” – 97% (+2 YoY)

   • “People are treated fairly regardless of age, sex, race, or sexual orientation” – 94% (-1 YoY)

2. Caring Culture and Community

   • “People care about each other here” – 87% (+9 YoY)

These results reflect positive momentum, particularly in strengthening our caring culture and sense of community. At the same time, they reinforce the importance of sustained focus on fairness, inclusion, and psychological safety.

Looking Ahead

Our journey continues. Looking beyond 2026, we are committed to deeper consultation, stronger listening both internally and externally and maintaining momentum toward embedding accessibility, inclusion, and belonging into the fabric of our organization.

Haventree Bank is committed to taking steps to initiate formal consultations by conducting surveys and focus groups within the next six months. While the bank has not received any complaints regarding its handling of situations involving individuals with disabilities, we recognize the potential existence of barriers that require our attention and commitment to resolution. Moreover, the bank will proactively conduct accessibility assessments, research best practices, and provide employee training on accessibility issues. As part of informal efforts, the bank has encouraged employees with disabilities to come forward and share their experiences and recommendations to enhance their overall experience at the Bank.

Multi-Year Accessibility Action Plan (2026–2029)

A copy of our Accessibility Plan or Progress Reports can be requested in alternate formats using the contact information above