Choice Through Innovation

VersaBank Choice Through Innovation Highly efficient: Branchless, partner (B2B) model A Fully Digital North American Bank Innovative, value-added deposit & lending, solutions for underserved markets Operating leverage of a technology company with the intrinsic value of a bank Highly risk-mitigated model: Very sticky deposits/History of virtually no loan losses. Track record of significant earnings growth Poised for outsized long-term growth through entry to U.S. market Additional "free option" through cybersecurity services subsidiary At a significant inflection point for operating leverage, driving outsized growth in earnings and ROCE

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