Investor Presentaiton

Unique Mortgage Banking Platform That Enhances Growth, Returns and Diversification 1 HFS Loans Deploy excess liquidity into HFS loans as a higher yielding, equally liquid alternative to cash 2 Custodial Deposits Enhance Earning Asset Mix Augments stable funding Access to $3.5 billion of core deposits Correspondent Servicing/ Lending (GOS) MSR Sales Maximize Client Relationships Adjust "Win Rate" AmeriHome Stability Levers Consumer Direct (Refi. Recapture) Enhance Deposit Franchise New Products Jumbo & Non-QM Early Buy Outs (EBOs) 4 Direct Mortgage Offering • Explore new customer acquisition strategies beyond WAL synergies HOA leads - Lot banking WAL client referrals WA Western Alliance Bancorporation® Optimize Mortgage Warehouse Franchise 3 Warehouse Lending Launch AMH referral process with WAL warehouse lending team • Cross-sell warehouse lending loans into AMH's clients | 23

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