#1AMERICA'S BEST BANKS 2022 Newsweek WaFd Bank Money BEST BANKS 24th Annual Financial Institutions Conference May 4th-6th, 2022 2019-2020 Top 50 Public Banks 2021 S&P Global Market Intelligence Forbes 2021 Forbes 2022 BEST BANKS IN AMERICA AMERICA'S BEST MIDSIZE EMPLOYERS POWERED BY STATISTA This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are based upon the current beliefs and expectations of Washington Federal's management and are subject to significant risks and uncertainties. The forward-looking statements in this presentation speak only as of the date of the presentation, and Washington Federal assumes no duty, and does not undertake, to update them. Actual results or future events could differ, possibly materially, from those that we anticipated in these forward-looking statements. 1#2Contents WaFd Bank Overview Vision Asset Quality Liability Trends 3 6 14 17 Interest Rate Risk 19 Profitability Capital 20 25 WaFd Bank 2#3Overview of Washington Federal Overview Geographic Overview . NV UT • Established in 1917; IPO in 1982 Washington State Charter Commercial Bank - WA DFI, FDIC, FRB, CFPB Regulated WA⚫ . Headquartered in Seattle, WA; is the second largest bank headquartered in the Pacific Northwest OR • Exited BSA Consent Order Dec 2021 . 214 branches across 8 western states • Full-service consumer & commercial bank • Strong capital, high asset quality, consistent results CA • Portfolio mortgage lender • Profitable every year since 1965 • Interest rate risk management - well controlled . 157 consecutive quarterly cash dividends • 13,716% Total shareholder return since IPO Total Assets $20.6Bn 1 As of or for the quarter-ended 3/31/2022 WaFd Bank Total Loans $15.1Bn Company Highlights¹ Total Deposits $16.39Bn MT ND MN SD WY IA NE 8 CO KS MO AZ NM TX OK AR Stockholder Equity $2.19Bn Efficiency Ratio 58.65% 3#4WaFd Bank Executive Management Committee WaFd Bank Brent Beardall President and Chief Executive Officer Vincent Beatty Cathy Cooper EVP Chief Financial Officer EVP Chief Consumer Banker James Endrizzi EVP Chief Commercial Banker Kim Robison EVP Chief Operating Officer Ryan Mauer EVP Chief Credit Officer 4#5WaFd Bank Demographics Our markets are among the most desirable in the US and create a foundation for loan growth without excessive risk Number of Company Deposits in Market Deposit Market Share Percent of National Franchise Total Population 2022 Population Change 2010-2022 Projected Median Population HH Change Income 2022-2027 2022 Projected HH Income Change 2022-2027 State Branches ($000) (%) (%) (Actual) (%) (%) ($) (%) Washington 76 7,067,961 2.99 43.4 7,858,401 16.86 6.10 88,405 14.17 Oregon 36 3,030,152 2.66 19.4 4,295,247 12.12 4.01 73,746 13.64 Arizona 30 1,700,408 0.77 10.1 7,185,732 12.42 (1.48) 70,139 13.99 New Mexico 25 1,320,409 2.99 8.3 2,126,179 3.25 1.86 55,697 9.85 Idaho 22 1,122,007 2.65 6.9 1,891,021 20.63 8.15 66,938 12.56 Utah 987,788 0.89 6.4 3,354,693 21.38 7.42 84,724 13.18 Nevada 10 539,805 0.47 3.3 3,176,325 17.62 5.12 71,353 14.43 Texas 6 Totals: 214 622,118 16,390,648 0.03 2.4 29,801,205 18.51 5.30 70,957 11.16 100 59,688,803 Weighted Average 14.98 4.76 78,338 Aggregate: National 334,279,739 8.27 3.21 72,465 13.45 12.10 Deposit market share and precent of national franchise are from the FDIC's Summary of Deposit reports and is as of 06/30/2021. All other data is as of 3/31/2022. WaFd Bank 5#6Vision 2025 Our Objective: A highly-profitable, digital-first bank that leverages data to anticipate financial needs and empower our clients by creating frictionless experiences across all interactions and devices. Our Values: Integrity, Teamwork, Ownership, Service, Simplicity & Discipline WaFd Bank 6#7Evolution of Our Franchise 10 years of investment has put us on glide path to an even stronger balance sheet and deeper client relationships WaFd Bank Thrift Consumer deposits and home loans. 2025 Vision Commercial Relationship deposits and diversified lending Digital Focus Leverage data to anticipate financial needs and empower our clients 7#8Net Promoter Score Approaching Best in Class Our investments in customer service, usability and technology are translating into high customer satisfaction levels Peer Net Promoter Score 1 (5) (5) (12) (10) WELLS FARGO Fulton Bank First Merchants Bank PROSPERITY BANK Source: Customer Guru 1 As of 10/19/2021 WaFd Bank 2 3 UNITED usbank BANK (1) 48 75 75 CHASE WaFd Bank USAAⓇ WaFd Net Promoter Score 1 17 34 51 48 48 2017 2018 2019 2020 2021 8#9Speed Matters - Website Is the New Storefront New wafdbank.com Google page speed scores 100 WaFd Desktop 90 80 WaFd Mobile 70 60 50 40 30 20 10 0 Bank of America Banner Bank BECU Capital One Chase Columbia Bank First Citizens Nerdwallet WaFd Bank Rocketmortgage Umpqua US Bank USAA Wells Fargo Old - WaFdbank.com New - Wardbank.com Desktop Mobile 9#10Getting Customers to Your Website is Mission Critical Back links to WAFDbank.com vs. Washingtonfederal.com 1,400,000 1,200,000 1,000,000 800,000 600,000 WaFd Bank 400,000 200,000 Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct 2021 2020 10 10#11Commitment to ESG & Diversity We believe our enduring franchise comes from core principles focused on helping the neighborhoods we serve and creating long- term value for all stakeholders led by a Board, management and employee base that bring together a diversity of backgrounds Board Composition Gender of Directors ■Female ■Male Ethnicity of Directors 1 Tenure of Directors ■ People of Color ■ Other ■ 0-4 years ■5-10 years Over 10 years Age of Directors 2 ■ Up to 55 ■ 55-65 Over 65 Our Corporate Social and Environmental Responsibility Policy flows from WaFd Bank's core principles, which are: Resolve to create for all long-term value stakeholders (5 1 To provide common- sense banking that helps neighborhoods flourish 2 4 (3 Exercise prudent risk management Maintain transparency in its business practices 1 Based on self-identification 2 As of 9/30/21 WaFd Bank Adhere to the primary corporate value of integrity ESG & Diversity Policy Highlights Community Development Over $289 million dollars invested towards community development lending and affordable housing investments Volunteerism WaFd employees participated in 8,138 volunteer hours in support of more than 513 organizations and initiatives Washington Federal Foundation The Washington Federal Foundation awarded 234 grants to local community organizations totaling $969,640 for the fiscal year United Way Matching Campaign WaFd Bank matches employee contributions made to United Way agencies in all eight states. In fiscal year 2020 pledges from colleagues were $332,010. WaFd matched $275,877 for a total of $607,887 11#12Loan Growth - Through Different Interest Rate Environments $ in millions. $8,000 $6,000 $4,000 $2,000 $- 2014 2015 • New Loan Originations 2016 2017 2018 Mortgage & Consumer Commercial & Industrial (C&I) 2019 2020 2021 Commercial Real Estate $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 $2,000 Loan Growth $0 2014 2015 2016 2017 2018 2019 2020 2021 Commercial Real Estate ■Commercial & Industrial (C&I) ■Mortgage & Consumer C&I and Commercial Real Estate loans made up 77% of all originations in 2021 compared to 49% in 2014 Mortgage and Consumer Loans are largely holding flat in the current rate environment Mortgage and Consumer loans - 42% of total net loans Commercial loans growing fastest over last six years Commercial growth is primary focus WaFd Bank 12 12#135 Year Change by Percentage in Each Geographical Area 5 Year percentage change in Loans by Geographical Area 5 Year percentage change in Deposits by Geographical Area -4% 42% 51% 193% 47% WaFd Bank 60% 43% 242% Powered by Bing GeoNames, Microsoft, TomTom 32% 53% 36% 54% 260% 31% 53% 252% Powered by Bing GeoNames, Microsoft, TomTom 13#14Loan and Deposit Balances by Geographical Area $ in millions. 5,412 Loan Balances by Geographical Area 2,195 730 552 1,168 WaFd Bank 1,799 653 1,619 Powered by Bing GeoNames, Microsoft, TomTom 6,892 Deposit Balances by Geographical Area 3,034 1,098 541 891 1,636 1,312 498 Powered by Bing GeoNames, Microsoft, TomTom 14#15Helping Small Businesses and Individuals Deferred loan payments now resuming Paycheck Protection Program 9,000 approved loans Over $1 billion in lending Cares Act Deferrals Loan Deferral Status Resumed Deferral Delinquencies $5.6 M $656 M $649 M Still Deferred Resumed ■Resumed Current WaFd Bank Resumed Past Due $7 M Using nimbleness, technology and hard work to serve clients and communities PPP efforts providing benefit of strong organic growth and happy customers Approximately 45% of Round 1 PPP loans established a new client relationship for WaFd Deferral Program successful with only a small number of post deferral delinquencies Only 18 Consumer Mortgage loans still in deferral 15#16Non-Performing Assets Near Record Lows We have retained a strong ACL while NPAs have declined since 2010 . ACL at 3/31/2022 amounted to $171.4 million, representing 363% of total NPAs 1 Non-performing assets $47.2 million as of 3/31/2022 Non-Performing Assets to Total Assets and ACL to Total Loans 1 For Fiscal Year End 9/30 3.22% 2.76% 2.18% 1.85% 1.79% 1.69% 1.63% 1.36% 1.47% 1.15% 1.13% 1.12% 1.11% 1.00% 0.88% 1.09% 1.29% _ 1.22% 0.48% 0.46% 0.44% 0.27% 0.20% 0.22% FY 2010 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 I Non-Performing Assets to Total Assets 1 ACL to Total Loans does not include ACL related to unfunded commitments of $30 million. 2 Effective October 1, 2020, the Company implemented FASB's Current Expected Credit Loss (CECL) Standard ACL to Total Loans 2 WaFd Bank 16#17Strong Credit Quality Strong Credit Quality Characterized by Limited Charge-Offs Net Recoveries since 2013 total $71 million The Bank continues to work $50 million of loans previously charged off 8 Consecutive years of Net Recoveries Net Loan Charge-offs (Recoveries) For Fiscal Year End 9/30 2.08% 1.21% 0.91% 0.24% (0.06%) (0.14%) (0.19%) (0.14%) (0.10%) (0.02%) (0.03%) (0.03%) FY 2010 FY 2011 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 Source: SNL Financial, Company Filings 1 Peers represent Proxy Peers as specified in the Company's latest Proxy Statement WaFd Bank Average NCOs Per Year - Last 20 Years 0.27% 0.44% WAFD Peer Average (1) 17#18Significant Liquidity and High-Quality Securities Portfolio High quality, $4.1 billion cash and investment portfolio with $10.9 billion remaining collateral and lines as a source of additional potential liquidity Cash & Securities / Total Assets FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 WAFD Peers Cash and Securities Composition 2 High Quality Bonds 34% Cash 45% US Gov't Backed 21% Total Cash and Securities: $4.1Bn 2 As of 3/31/2022, WAFD maintains over $4bn of balance sheet liquidity. Cash and Securities is 20% of assets Investment Portfolio targets low credit risk / moderate duration 66% Cash, US Government-backed Agency Bonds and MBS 2 Cash and Securities/Total Assets: 20% 2 • Yield on the Investment Portfolio is 1.81% Source: SNL Financial, Company Filings 1 Peers represent Proxy Peers as specified in the Company's latest Proxy Statement 2 As of 3/31/2022 WaFd Bank 18#19Deposit Trends Shifting away from time deposits in favor of transaction accounts. Checking accounts now make up 44%. As of 3/31/2012 Transaction In Millions 18,000 Transaction Accounts Time Deposits 16,000 WTD Rate Accounts $2,865 Time Deposits $5,934 67% 33% 14,000 12,000 10,000 As of 3/31/2022 8,000 Time Deposits $3,251 6,000 20% Transaction 4,000 Accounts $13,140 80% 2,000 T 5.00% 4.50% 4.00% 3.50% 3.00% Core Deposits = 97% of Total 2.50% 2.00% 0 2007 2008 1.50% 2009 2010 2011 2012 2013 1.00% 2014 2015 2016 2017 0.50% 2018 2019 2020 2021 2022 0.00% WaFd Bank 19#20Borrowings Outstanding & Weighted Rate Borrowings are 100% FHLB and are used in part to manage interest rate risk. Rates have declined with market rates. Increase in borrowings for 2020 was from locking in $1 billion of funding at a fixed rate of 66 bps for 10 years. In 2021, strong growth in deposits allowed the Company to reduce FHLB borrowings. $3,500 $3,000 $2,500 $2,000 $1,500 $1,000 $500 4.00% 3.50% FHLB Effective Maturity Schedule 3.00% Amount $ million Rate 2.50% Within 1 year: $ 320 2.08% 1 to 3 years: $ 500 2.16% 2.00% 3 to 5 years: $ 100 1.82% 5+ years: $ 800 0.93% 1.55% 1.50% 1.00% 0.50% $0 0.00% 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 WaFd Bank 20#21Balanced Interest Rate Risk Interest Rate Risk is well managed and skewed toward the upside in the current environment given asset sensitivity Change in NPV (%) Net Interest Margin Sensitivity vs. Base Case -50% -40% -30% -20% -10% 0% 0.50% 0.45% 0.40% 0.35% 0.30% 0.25% 0.20% 0.15% 0.10% 10% Base Up 100 Up 200 0.05% Up 300 Up 400 0.00% Year 1 Year 2 Year 3 FY 2017 FY 2018 FY 2019 ■FY 2020 FY 2021 IRR measures as of March 31, 2022: • Net Interest Income (NII) would increase by 6% in +200 bps immediate and parallel shock Net Portfolio Value after +200bps shock is 25% lower ($692mm) and at $2.08 billion would be 11% of total assets Scenarios assume no management actions taken. Flattening/inverted rates with short term up more than long term would result in a larger negative affect. WaFd Bank 21 Up500 -Up400 -Up300 -Up200 -Up100#22Income Statement Comparison INTEREST INCOME Loans....... Mortgage-backed securities...... Investment securities and cash equivalents..... Fiscal YTD 3/31/2022 3/31/2021 $ Change % Change $ 277,769 9,451 $ 266,428 13,926 $ 11,341 4.3% (4,475) -32.1% 14,058 14,222 (164) -1.2% 301,278 294,576 6,702 2.3% INTEREST EXPENSE Customer accounts........ 16,686 24,839 (8,153) -32.8% FHLB advances and other borrowings...... 15,368 25,189 (9,821) -39.0% 32,054 50,028 (17,974) -35.9% NET INTEREST INCOME 269,224 244,548 24,676 10.1% Provision (release) for credit losses...... 0 3,000 (3,000) Net interest income after provision(reversal) ……………………$ 269,224 $ 241,548 $ 27,676 11.5% WaFd Bank 22 22#23Income Statement Comparison OTHER INCOME Fiscal YTD 3/31/2022 3/31/2021 $ Change $ 34,340 $ 28,347 $ 5,993 % Change 21.1% OTHER EXPENSE Compensation and benefits... Occupancy....... FDIC insurance....... Product delivery.. Information technology.. Other expense..... 94,540 86,355 8,185 9.5% 21,878 20,065 1,813 9.0% 5,200 7,018 (1,818) -25.9% 9,765 9,338 427 4.6% 23,143 22,527 616 2.7% 23,504 17,853 5,651 31.7% 178,030 163,156 14,874 9.1% Gain (loss) on REO. Income before income taxes.... 691 (415) 1,106 -266.5% 126,225 106,324 19,901 18.7% Income taxes.. 26,585 22,502 4,083 18.1% NET INCOME.. $ 99,640 $ 83,822 $ 15,818 18.9% Dividends on preferred stock........... 7,312 2,722 4,590 Net Income available to common shareholders... $ 92,328 $ 81,100 $ 11,228 13.8% Efficiency Ratio of 58.65% for YTD fiscal year 2022 down from 59.79% for the same period of prior year. Effective tax rate year to date ended March 2022 is 21.06% compared to 21.16% from the same period ended March 2021 WaFd Bank 23#24Net Income and Common Earnings Per Share Annual Quarterly $250,000 $3.00 70,000 $1.00 Net Income (in thousands) Net Income EPS EPS $0.90 $200,000 $150,000 $100,000 $50,000 $2.50 60,000 50,000 $2.00 40,000 $1.50 30,000 $1.00 20,000 $0.50 10,000 $0 $- 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 WaFd Bank Dec-19 Mar-20 $0.80 $0.70 $0.60 $0.50 $0.40 $0.30 $0.20 $0.10 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 S Issued $300 million of Preferred Stock in February 2021 with a dividend of 4.875% 24#25Non-Interest Income Diverse sources of Non-Interest Income provide steady growth and balance our revenue profile Non-Interest Income for Quarter-Ended 3/31/2022 Loan Fees 16% Other Income Other Income includes: • BOLI income Rental income • Gains on property sales 44% • WAFD Insurance Income Deposit Fees 40% • Income on equity method investments 10% Non-Interest Income / Total Loan Revenue 11% 9% 11% 16% 12% Non-Interest Income Over Time ($MM) $10.1 $30.7 $24.1 $28.6 malı mıhı FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 $23.3 $24.7 $3.6 $23.2 $16.2 $14.7 $21.8 $22.6 $25.9 $24.9 $23.7 $5.5 $4.3 $3.9 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 $7.3 $6.9 WaFd Bank Loan Fees ■Deposit Fees ■Gain on Sale of Investments Gain on Sale of Buildings Other Income 25#26Non-Interest Expense Non-Interest Expense Over Time ($MM) $350,000 $300,000 52 1% 50.8% 50.4% 49.5% 47.8% $250,000 46.9% 41.0% $200,000 $150,000 $100,000 $50,000 58.8% 70.0% 59.0% 60.0% 50.0% 40.0% 30.0% 20.0% 10.0% Other Expense includes: FDIC Premiums Product Delivery Information Technology Miscellaneous 'Other' line-item expenses include professional services, marketing and administrative costs. Breakout of Other Expense $47.5 $41.1 $0 0.0% $41.7 $34.6 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 $29.1 $29.8 $52.9 $42.7 Other expense Occupancy Compensation Efficiency Ratio $34.6 $38.9 $31.0 $28.9 WaFd Bank $18.5 $17.0 $16.4 $14.0 $15.9 $17.0 $14.4 $11.8 $11.4 $11.6 $9.8 $10.9 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FDIC Premiums Product Delivery Information Technology Other Expense 26#27Capital Ratios 20.00% 18.00% 16.00% Common Equity Tier 1 Ratio 14.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% Sep 2016 Sep 2017 Sep 2018 Sep 2019 Sep 2020 Sep 2021 ■Washington Federal, Inc. Top 100 Banks Peer Banks Well Capitalized WAFD does not seek to maximize leverage. Rather, we aspire to be the bank that can best weather the next storm on the horizon. TCE+ACL/Tang Assets 14.00% Total Risk-Based Capital 12.00% 20.00% 18.00% 10.00% 16.00% 14.00% 8.00% 12.00% 10.00% 8.00% 6.00% 6.00% 4.00% 4.00% 2.00% 0.00% 2.00% Sep 2016 Sep 2017 Sep 2018 Sep 2019 Sep 2020 Sep 2021 0.00% Washington Federal, Inc. Top 100 Banks Peer Banks Well Capitalized Sep 2016 Sep 2017 Sep 2018 Sep 2019 Sep 2020 Sep 2021 Source: SNL Financial, Company Filings WaFd Bank 27#28Impact of February 2021 Preferred Stock Issuance WaFd Bank Net Preferred Proceeds Raised Cash Reserved Proceed available for Repurchases Average repurchase price Proforma Shares Repurchased $293 Million $25 Million $268 Million $32.25 8,310,078 FY 2021 Plan at 12/31/2020 Common Shares Outstanding Common Stock Price Per Share Market Cap 75,689,364 FY 2021 Proforma Plan at 12/31/2020 67,379,286 $28.75 $32.25 Net Income 2,176,069,215 $175,000,000 2,172,981,974 $175,000,000 Annual Preferred Dividend $14,625,000 Net Income to Common $175,000,000 $160,375,000 EPS Per Common Share $2.31 $2.38 28#29Returning Capital to Shareholders Net Income Dividends Return of Income to Common Shareholders Stock Buyback & Percent of Income returned to Shareholders Common Dividend as a % of Net Income 2015 $160,316 $177,791 111% 31.9% 30.4% 2016 $164,049 $137,808 84% 2017 $173,532 $172,892 100% 2018 $203,850 $220,246 108% 2019 $210,256 $187,163 89% 2020 $173,438 $178,629 103% 2021 $173,581 $414,527 239% 42.9% 30.1% 38.3% 38.0% ululi 27.5% 2015 2016 2017 2018 2019 2020 2021 Recent Capital Activities Current cash dividend of $0.24 provides a yield of 2.92% based on the current stock price Since 2013, 47 million shares repurchased which is 44% of total outstanding shares as of 9/30/2012 3.7 million shares remaining in buyback authorization During the 3rd and 4th Fiscal Quarters of 2021, the Company used additional proceeds from the preferred stock issuance to repurchase 7,952,529 shares of common stock. % Outstanding at # of Shares Wtd Price Paid beginning of the year 2015 5,841,204 $21.70 6% 2016 3,867,563 $22.72 4% 2017 3,137,178 $31.36 3% 2018 4,865,357 $33.74 6% 2019 4,065,352 $30.46 5% • 2020 3,339,530 $33.58 4% 2021 10,810,113 $32.25 14% 2022 88,798 $35.31 0.1% WaFd Bank 29 29#30Stock Price & Book Value Per Share $40 $35 $30 -Stock Price $25 $20 $15 $10 $5 -Book Value per Share So 1986 1987 1988 1989 As of 3/31/2022: Book Value per Share $28.97 Price to BV: 1.135 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 WaFd Bank 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Tangible Book Value per Share $24.23 Price to TBV: 1.35 30#31Perspective through the last Credit Cycle Stock Performance Comparison as of 3/31/2022 4.00 3.50 3.00 2.50 2.00 1.50 1.00 0.50 0.00 2007 2008 2009 2010 2011 2012 2013 2014 2015 WAFD BANR ZION WAL UMPQ COLB WaFd Bank 2016 2017 2018 2019 2020 2021 2022 *Stock prices obtained from Yahoo! Finance and reflect monthly adjusted (stock splits and dividends) close prices. Chart reflects the value of $1 invested in each stock on 1/1/2007. January 2007 month end chosen to coincide with the average peak in stock price among the 6 banks. 31#32Forbes 2021 BEST BANKS IN AMERICA WaFd Bank m Money BEST BANKS AMERICA'S BEST SOUNDERS FC BANKS 2022 Newsweek $ 3 years in a row! SEATTLE SEAWOLVES EXCLUSIVE BANK OF SOUNDERS FC AND THE SEATTLE KRAKEN This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are based upon the current beliefs and expectations of Washington Federal's management and are subject to significant risks and uncertainties. The forward-looking statements in this presentation speak only as of the date of the presentation, and Washington Federal assumes no duty, and does not undertake, to update them. Actual results or future events could differ, possibly materially, from those that we anticipated in these forward-looking statements.