Choice Through Innovation

Branchless, Digital, Partner (B2B) Model Based on Proprietary Banking Technology Significant operating leverage derived from scalability of technology platform & partner model . . All deposits/loans managed digitally No direct interaction with end users Very high asset-to-employee ratio • VersaBank Deposit Partners HA Proprietary, state-of the- art software based out of two technology centres Lending Partners HA M LO Q1 2024 Digital Banking efficiency ratio improved to a record 40% and is poised for continued outsized improvements

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