Investor Presentaiton

2 Diversified Business Model Allows Flexibility to Sustain Growth WAL can actively adapt business and capital allocation in response to changing external environment Trajectory maintained with prudent credit risk management Organic Growth Regional Banking Divisions Residential Mortgage Initiative Ample potential for expansion NBLs Geographic Diversification Growth Trajectory Optimized for Dividends evolving operating Capital Allocation environment Share Repurchases M&A WA C&D Risk- Adjusted Deep segment & product expertise Yields supports cyclical Hotel Franchise Finance business lines Risk Management Operating Leverage Mortgage Warehouse Pristine asset quality Capital Call Lines Corporate Finance HOA Illustrative as business objectives are not mutually exclusive and image does not represent full suite of WAL divisions, products and services. Highly efficient lending & deposit platforms CO 6

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