Investor Presentaiton

WAL's Value Proposition 1 Seasoned leadership team 2 Diversified business model allows flexibility to sustain growth across market cycles 3 Stable, low-cost deposit franchise 4 Diverse, high quality loan portfolio 5 Conservative credit culture resulting in superior asset quality 6 Industry-leading profitability and efficiency drive capital generation 7 Fortress capital and liquidity position A highly adaptable and efficient model coupled with a conservative credit culture enables thoughtful growth and industry-leading profitability across market environments WA 4

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