WAW Banking as it should be June 2021 Welcome to SmartLINK As we head into the colder months, I’m pleased to see that much of our region is returning to some degree of normality, while being mindful that many people and businesses are still dealing with the serious impacts of the last 18 months, and many countries around the world are facing continued uncertainty and loss. I want to assure all our customers, and our local communities, that we are continuing to work hard to support people as best we can and remain on the lookout for individuals in especially vulnerable situations. In terms of the organisation itself, WAW continues to remain strong and all our systems and processes have performed in an excellent manner through the bushfire and COVID period since the beginning of 2020, as you would expect. Our staff continue to work tirelessly to support thousands of customers who are taking advantage of various Government incentives to buy, build and renovate their homes or invest in their businesses. WAW’s growth rates have been above average in recent times on the back-end of the various stimulus packages operating in the economy at the moment, with approximately 11%+ (annualised) growth in total loans outstanding and 13%+ (annualised) growth in the deposits base as at the time of writing. Much of this growth has been driven by young people from across our region being able to access their first home, and WAW is proud to have been an approved lender in the Australian Government’s First Home Loan Deposit Scheme since inception. It is always a great outcome to assist a young person to take that first step into homeownership, and WAW is pleased to be able to play this role for our community. Our continued growth and strong performance in recent years, and the way we have managed through COVID, has provided us with further confidence to invest in the future. To this end, I am pleased to announce that we have made two important additions to the leadership team at WAW that will support the increasing complexity and growth of the business into the future. In early June, we welcomed Vince McFarlane to the organisation in the newly-created position of Chief Financial Officer (CFO), and Mark Waite to the position of Service Centre Network Manager overseeing operations across WAW’s (branch) network. Both Vince and Mark bring very strong leadership experience to the organisation across many years in senior positions in the banking, not-for-profit and small business sectors. We are excited to have these two experienced and motivated people join the team and they are very much looking forward to working with all of us to navigate our way through the growing complexity and opportunities in our industry. It’s an exciting time of change and also for various new challenges at WAW, and I look forward to the remainder of 2021 being just as positive and productive. Michael Mack CEO June 2021 Michael Mack - WAW Chief Executive Officer CEO Welcome WAW IS BANKING ON TREES! THE FUTURE OF CHEQUES DID YOU SAY SOMETHING ABOUT PUPPIES? SOLAR AT OUR WAW SERVICE CENTRES WE LOVE WHERE WE LIVE... NEW RELEASE OF PLACES IN THE FIRST HOME LOAN DEPOSIT SCHEME BUSINESS BANKING WITH WAW WHAT DOES IT MEAN TO BE A CUSTOMER-OWNED BANK?