<SEC-DOCUMENT>0000936528-16-000087.txt : 20161027
<SEC-HEADER>0000936528-16-000087.hdr.sgml : 20161027
<ACCEPTANCE-DATETIME>20161027151107
ACCESSION NUMBER:		0000936528-16-000087
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20161027
ITEM INFORMATION:		Regulation FD Disclosure
FILED AS OF DATE:		20161027
DATE AS OF CHANGE:		20161027

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WASHINGTON FEDERAL INC
		CENTRAL INDEX KEY:			0000936528
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				911661606
		STATE OF INCORPORATION:			WA
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-34654
		FILM NUMBER:		161955323

	BUSINESS ADDRESS:	
		STREET 1:		425 PIKE STREET
		CITY:			SEATTLE
		STATE:			WA
		ZIP:			98101
		BUSINESS PHONE:		2066247930

	MAIL ADDRESS:	
		STREET 1:		425 PIKE ST
		CITY:			SEATTLE
		STATE:			WA
		ZIP:			98101
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>wafd8-k2016stresstestresul.htm
<DESCRIPTION>8-K
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2016 Workiva -->
		<title>Document</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="sC0C1403AE7D35A78B3896AC41C026216"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:4px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">UNITED STATES</font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Washington, D.C. 20549</font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">____________________________________</font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">FORM 8-K</font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">____________________________________</font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:14pt;"><font style="font-family:inherit;font-size:14pt;font-weight:bold;">CURRENT REPORT</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Pursuant to Section&#160;13 or 15(d) of the</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Securities Exchange Act of 1934</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Date of Report (Date of earliest event reported): October 27, 2016</font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;____________________________________</font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:24pt;"><font style="font-family:inherit;font-size:24pt;font-weight:bold;">Washington Federal, Inc.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(Exact name of registrant as specified in its charter)</font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;____________________________________</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:31%;"></td><td style="width:1%;"></td><td style="width:37%;"></td><td style="width:1%;"></td><td style="width:30%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Washington</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">001-34654</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">91-1661606</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-align:center;">(State or other jurisdiction</font></div><div style="padding-bottom:1px;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-align:center;">of incorporation)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-align:center;">(Commission</font></div><div style="padding-bottom:1px;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-align:center;">File Number)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-align:center;">(IRS Employer</font></div><div style="padding-bottom:1px;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;text-align:center;">Identification No.)</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">425 Pike Street, Seattle, Washington 98101</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Address of principal executive offices)(Zip Code)</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Registrant&#8217;s telephone number, including area code (206)&#160;624-7930</font></div><div style="line-height:120%;padding-top:12px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Not Applicable</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">(Former name or former address, if changed since last report)</font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">____________________________________</font></div><div style="line-height:120%;padding-top:5px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:79.1015625%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:6%;"></td><td style="width:4%;"></td><td style="width:90%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:79.296875%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:6%;"></td><td style="width:4%;"></td><td style="width:90%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:96.6796875%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:5%;"></td><td style="width:3%;"></td><td style="width:92%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:96.2890625%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:5%;"></td><td style="width:3%;"></td><td style="width:92%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div></td></tr></table></div></div><div style="line-height:120%;padding-top:4px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="1"></td></tr><tr><td style="width:100%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="overflow:hidden;height:5px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><hr style="page-break-after:always"><div><a name="sD0BF0D41FCE45B27BE9758B2AC07A9CB"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:12%;"></td><td style="width:88%;"></td></tr><tr><td style="vertical-align:middle;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Item 7.01</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Regulation FD Disclosure</font></div><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></td></tr></table></div></div><div style="line-height:100%;padding-bottom:6px;padding-top:6px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:100%;padding-bottom:6px;padding-top:6px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">On October 27, 2016, Washington Federal, Inc. released its capital stress test results as required by the Dodd-Frank Wall Street Reform and Consumer Protection Act. These results cover Washington Federal, Inc. (the "Company") and its national bank subsidiary, Washington Federal, National Association. </font></div><div style="line-height:100%;padding-bottom:6px;padding-top:6px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:100%;padding-bottom:6px;padding-top:6px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">These results are based on a forward-looking exercise using hypothetical severely adverse macroeconomic assumptions developed by the Federal Reserve and the Office of the Comptroller of the Currency, and do not represent management's expectations.  The Company-run capital stress results are being furnished pursuant to item 7.01.  </font></div><div style="line-height:100%;padding-bottom:6px;padding-top:6px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:100%;padding-bottom:6px;padding-top:6px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The information contained or incorporated by reference in this Current Report on Form 8-K contains certain forward-looking statements. Actual results could differ materially from these statements. Such forward-looking statements include statements regarding the Company&#8217;s intentions, beliefs or current expectations as well as the assumptions on which such statements are based. Stockholders and potential stockholders are cautioned that any such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and that actual results may differ materially from those contemplated by such forward-looking statements. Factors that could cause future results to vary from current management expectations include, but are not limited to: general economic conditions; legislative and regulatory changes, including without limitation the potential effect of the Dodd-Frank Wall Street Reform and Consumer Protection Act and regulations being promulgated thereunder; monetary fiscal policies of the federal government; changes in tax policies; rates and regulations of federal, state and local tax authorities; changes in interest rates; deposit flows; cost of funds; demand for loan products; demand for financial services; competition; changes in the quality or composition of the Company&#8217;s loan and investment portfolios; changes in accounting principles; policies or guidelines and other economic, competitive, governmental and technological factors affecting the Company&#8217;s operations, markets, products, services and fees. The Company undertakes no obligation to update or revise any forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time.</font></div><div style="line-height:120%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Exhibit:  99.1 2016 DFAST Disclosure dated October 27, 2016</font></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></div><hr style="page-break-after:always"><div><a name="s22DA60CC85775543999EB29AE1790668"></a></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">SIGNATURES</font></div><div style="line-height:120%;padding-top:12px;text-indent:32px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.</font></div><div style="line-height:120%;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div><div style="line-height:120%;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="7"></td></tr><tr><td style="width:27%;"></td><td style="width:1%;"></td><td style="width:23%;"></td><td style="width:1%;"></td><td style="width:5%;"></td><td style="width:1%;"></td><td style="width:42%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Date: October 27, 2016</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">WASHINGTON FEDERAL, INC.</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">By:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:20px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">/s/ VINCENT L. BEATTY</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Vincent L. Beatty</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Senior Vice President</font></div><div style="padding-bottom:1px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">and Chief Financial Officer</font></div></td></tr></table></div></div><div><br></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exhibit9912016dfastdisclos.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2016 Workiva -->
		<title>Exhibit</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="sFD7337769E341FF681F2F8E910DC64F3"></a></div><div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:left;"><img src="a2016dfastdisclosureimage1.jpg" alt="a2016dfastdisclosureimage1.jpg" style="height:94px;width:440px;"></div><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Washington Federal, Inc.</font></div><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Company-Run Capital Stress Test Results Disclosure</font></div><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Capital Stress Testing Results Covering the Time Period December 31, 2015 through March 31, 2018 under a Hypothetical Severely Adverse Economic Scenario.</font></div><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">October 27, 2016</font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="sE87948C5D9546566DE9AF8E9110EB580"></a></div><div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-style:italic;">The results presented herein contain projected financial measures for Washington Federal, Inc. under a hypothetical severely adverse scenario provided to the Company by the Federal Reserve. The results do not represent a forecast of future financial performance and do not necessarily reflect the actions the company would take during adverse economic conditions. Future financial performance will be determined by actual economic and financial conditions.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">About Washington Federal</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Washington Federal, Inc. (the &#8220;Company&#8221;) is a bank holding company headquartered in Seattle, Washington that conducts its operations through a national bank subsidiary, Washington Federal, National Association (the &#8220;Bank&#8221;).  Established in Ballard, Washington in 1917, the Bank has $14.9 billion in assets with 238 branches located in 8 states.  The Bank is principally engaged in the business of attracting deposits from the general public and investing these funds, together with borrowings and other funding sources, in one-to-four family residential real estate loans, commercial real estate loans and business loans.  </font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Strong capital ratios have been a defining characteristic of the Company throughout its history. Total risk based capital ratios have been among the strongest of its peers and was 19.75% as of the analysis date of December 31, 2015.  Since 1997, the only time that the Company&#8217;s total risk based ratios were below 19% was from March 2008 through June 2009 to support acquisitions that increased assets while capital levels remained steady.  The lowest point of 16% was still significantly above &#8220;well capitalized&#8221; levels.  The capital was built up again through earnings to reach the more typical and higher than required historical levels to 1) support organic growth and acquisitions, 2) provide a cushion for unexpected credit losses, and 3) provide protection for the negative impact of rising interest rates.  </font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Primary Risks to Which We are Exposed</font></div><div style="line-height:138%;padding-bottom:16px;padding-top:4px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The Company regularly assesses its risk in the following categories to set the stage for balancing expected rewards against related risks in achieving its strategy.</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Strategic risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;&#32;The risk to current or anticipated earnings, capital, or enterprise value arising from adverse business decisions, poor implementation of business decisions, or lack of responsiveness to changes in the banking industry and/or its operating environment.  </font></div></td></tr></table><div style="line-height:138%;text-align:justify;padding-left:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">2.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Credit risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;&#32;The risk of potential loss due to a borrower&#8217;s or counterparty&#8217;s inability to meet its financial obligations arising from the Bank&#8217;s lending and investment activities. Credit risk management involves appropriate underwriting standards, process controls, portfolio monitoring and servicing.  </font></div></td></tr></table><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">3.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Interest rate risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;The risk from mismatches in maturity or repricing terms of assets and liabilities, varied pricing indexes, and prepayments or other options embedded in the Bank&#8217;s products.  The Bank&#8217;s loan and mortgage backed securities portfolios are the major source of interest rate risk as they consist primarily of fixed rate loans with longer terms than the Bank&#8217;s customer deposit funding sources.  </font></div></td></tr></table><div style="line-height:138%;text-align:left;padding-left:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">1</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:138%;text-align:justify;padding-left:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">As a result, the net interest margin may compress during periods of rising short term rates or a flattening yield curve.  However, management has historically maintained net interest income by originating more fixed rate mortgage loans when interest rates are higher, and slowing originations when rates are lower.    </font></div><div style="line-height:138%;text-align:left;padding-left:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">4.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Price risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;&#32;The risk that results from unexpected changes in the valuations of investments or real estate that are available for sale.  </font></div></td></tr></table><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">5.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Liquidity risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;&#32;The risk of insufficient funds to fund expected increases in assets and to meet obligations as they come due in a cost-effective manner.  Customer deposits generated from within the Bank&#8217;s operations are the primary source of liquidity.  Other sources of liquidity include net cash flows from loans and investments, and FHLB borrowings.  </font></div></td></tr></table><div style="line-height:138%;text-align:justify;padding-left:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">6.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Operational risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;The risk from business process failures or inefficiencies, fraud and inadequate physical security, or adverse external events that may lead to operational losses.  For example, loan and deposit operations may experience higher fraud losses due to adverse economic conditions.  </font></div></td></tr></table><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">7.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Compliance risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;&#32;The risk to earnings, capital, reputation, or market viability as a result of changes to, violations of, or noncompliance with government regulations or company policies related to consumer protection.  This risk may take the form of changes in law or regulation, administrative actions by regulators, punitive damages, criminal or civil money penalties, or additional costs of compliance.  </font></div></td></tr></table><div style="line-height:138%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">8.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Legal risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;&#32;The risk (i) of failure to comply with laws that could lead to judgments, litigation, legal costs, fines or other stipulations; (ii) that loan and other transaction documentation, vendor management, and contract administration will result in undesirable allocations of rights and obligations; and (iii) of changes in laws that may negatively impact business activities, earnings and capital.</font></div></td></tr></table><div style="line-height:138%;text-align:justify;padding-left:48px;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:138%;font-size:11pt;padding-left:24px;"><font style="font-family:inherit;font-size:11pt;">9.</font></div></td><td style="vertical-align:top;"><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;text-decoration:underline;">Reputation risk.</font><font style="font-family:inherit;font-size:11pt;">&#32;The risk from adverse publicity or unexpected financial losses that may make cash flows or the stock price volatile and harm the Company&#8217;s reputation with customers, employees, and investors.  This risk may expose the organization to litigation or financial loss, or impair its competitiveness.  </font></div></td></tr></table><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">2</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Stress Test Overview</font></div><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The Company, along with other midsized banks, has conducted stress tests to quantify the impact of changing economic conditions on asset quality, net income, and capital.  These stress tests are used to determine whether capital is sufficient to absorb losses that could result from adverse economic conditions.  Performing stress tests also assists management in thinking critically about the external environment by focusing on changing markets, discussing future trends, and enabling management to form contingency plans in the event of downside scenarios.  </font></div><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The Dodd-Frank Wall Street Financial Reform and Consumer Protection Act (&#8220;Dodd-Frank Act&#8221;) mandated that annual stress tests would be conducted by banks with assets over $10 billion each year.  Subsequently, the Federal Reserve Bank (the &#8220;FRB&#8221;) and the Office of the Comptroller of the Currency passed regulations for banks between $10 and $50 billion in assets to conduct annual stress tests.  Consistent with these regulations, the Company has published this disclosure.</font></div><div style="line-height:138%;padding-bottom:13px;padding-top:16px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">It is important to note that these Dodd-Frank Act Stress Tests (&#8220;DFAST&#8221;) performed by banks with assets of $10-50 billion differ from the stress tests performed by the largest banks (over $50 billion.)  As such, the results are not comparable.  Additionally, the results of DFAST banks can differ based on management assumptions and the methodologies used to produce the results.</font></div><div style="line-height:138%;padding-bottom:13px;padding-top:16px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Severely Adverse Scenario</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The FRB provided three macroeconomic scenarios for use in the December 31, 2015 stress tests analysis: Baseline, Adverse, and Severely Adverse.  The scenarios include macroeconomic factors that drive credit losses, loan originations, prepayments, and asset yields over the period January 1, 2016 through March 31, 2018 (the &#8220;9 Quarter Timeframe&#8221;).  The adverse scenarios introduce hypothetical stress conditions intended to test the safety and soundness of institutions as well as management&#8217;s capital planning processes.  </font></div><div style="line-height:138%;padding-bottom:16px;padding-top:16px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The severely adverse scenario for the United States is characterized by a deep and prolonged recession in which the unemployment rate rises to 10 percent.  By the first quarter of 2017, the level of real Gross Domestic Product has fallen by approximately 6.25% and then begins to recover.  In response to this economic contraction, treasury yields on all tenures are significantly lower than at December 31, 2015.  The 3-month treasury falls to -0.50% and the 10-year treasury falls to 0.20% on March 31, 2016 before rising to 1.20% by March 31, 2018.  The 30-year mortgage rate falls initially to 3.2% before increasing to 4.10% at the end of 2016 and remaining at that level through the rest of the scenario. Consistent with these developments, asset prices contract sharply.  </font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">3</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:8px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Methodologies</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Using historical data and macroeconomic factors, models were developed using regression analysis and similar techniques to estimate net charge-offs, nonaccrual loans, loan growth, and deposit growth. These results were reviewed by Management.</font></div><div style="line-height:138%;padding-bottom:8px;padding-top:4px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Credit losses are a key factor that changes based on varied scenarios.   Using the macroeconomic data provided by the FRB and historical Call Report data, credit models were built using panel regression analysis to estimate net charge-offs and nonaccrual loan levels.  Separate models are developed for each loan type. </font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Management also used panel regression analysis to estimate the historical relationship between macroeconomic data and loan growth for the different loan types that compose the Bank&#8217;s portfolio.  Loan growth/decline in the stress test scenarios were projected based on these relationships.  </font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Similarly, panel regression analysis was used to estimate the historical relationship between macroeconomic data and deposit growth for the different deposit types that compose the Bank&#8217;s portfolio.  Deposit growth/decline in the stress test scenarios were projected based on these relationships.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Non-interest income and non-interest expense projections, along with REO expense were based on assumptions developed by an analysis of historical income and expense levels.  Operational losses that have higher probabilities in the severely adverse scenario were also considered.  </font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Other than temporary impairment (OTTI) on investment securities was considered separately by asset class and the methodology is appropriate for the size of the portfolio and the risk each asset class poses to the portfolio.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Summary Results for the Severely Adverse Scenario for the Company</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The results shown below are based on the severely adverse scenario and are cumulative for the 9 Quarter Timeframe.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:59.82905982905983%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:71%;"></td><td style="width:1%;"></td><td style="width:27%;"></td><td style="width:1%;"></td></tr><tr><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Table 1. Cumulative Revenue, Losses, and Net Income</font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Washington Federal, Inc.</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Aggregate</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">($ Millions)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">9 Quarters</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Pre-Provision Net Revenue</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">361.4</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Total Loan Losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">270.1</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Total Provision for Loan and Lease Losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">389.3</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Other Than Temporary Impairment on Investments</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">40.2</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Loss on REO and REO Expense</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">143.3</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Net Income After Taxes</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(139.6</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td></tr></table></div></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">4</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Pre-provision net revenue of $361 million during the period would be lower than historical levels primarily due to a lower net interest margin. </font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Total credit costs would be expected to rise due to the weak economic conditions.  The following table indicates the cumulative loan losses during the hypothetical severely adverse scenario.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:69.87179487179486%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:64%;"></td><td style="width:1%;"></td><td style="width:16%;"></td><td style="width:1%;"></td><td style="width:17%;"></td><td style="width:1%;"></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Table 2. Cumulative Credit Losses for Loan Portfolio</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Washington Federal, Inc.</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">($ Millions)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">$</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">% *</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Total Loan Losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">270.1</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">3.0</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;1-4 Family Residential Loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">149.3</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">2.8</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;HELOC Loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">2.1</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1.5</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;Commercial and Industrial Loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">27.6</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">5.4</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;1-4 Family Construction Loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">25.8</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">14.0</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;Other Construction Loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">20.8</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">10.8</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;Multi-family Loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">11.0</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1.1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;Non-farm, Non-residential Owner Occupied</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">12.8</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">2.3</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;Non-farm, Non-residential Other Loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">13.8</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">2.2</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">&#160;&#160;&#160;All Other Loans and Leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">6.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">3.0</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">%</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;font-style:italic;">* Based on the average quarterly charge-off rate</font></div></td></tr></table></div></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Total loan losses for the period are projected to be $270 million.  Additionally, projected increases of $119 million to the allowance for loan losses are assumed in response to the weak economic conditions.  As a result, the total provision for loan and lease losses would be $389 million.  </font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Net income after taxes is projected to be a loss of $140 million for the 9 Quarter Timeframe.  This would represent the first yearly losses in the history of Washington Federal.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">In accordance with regulatory guidelines, a common approach was adopted with regard to capital actions in the DFAST scenarios.  Dividends were held the same as the base scenario, and it was assumed that no share repurchases would be made.  For the last 8 quarters of the severely adverse scenario, the company experiences a net loss or net income falls short of the dividend payout and retained earnings is reduced.  As a result, the capital ratios decline throughout the scenario.  </font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The following table shows the beginning, ending and minimum capital ratios projected during the scenario. </font></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">5</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:36%;"></td><td style="width:15%;"></td><td style="width:15%;"></td><td style="width:15%;"></td><td style="width:2%;"></td><td style="width:17%;"></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Table 3. Capital Ratios:  Beginning, End, and Low Values</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Washington Federal, Inc.</font></div></td></tr><tr><td rowspan="2" style="vertical-align:middle;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Projected Stressed Capital Ratios</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Actual</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Stressed Capital Ratios</font><font style="font-family:Arial;font-size:8pt;"><sup style="vertical-align:top;line-height:120%;font-size:5pt">1</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">Regulatory Well</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">As of 12/31/15</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">As of 3/31/18</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Lowest Level</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">Capitalized Minimums</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Common equity tier 1 risk-based capital ratio</font><font style="font-family:Arial;font-size:8pt;font-style:italic;"><sup style="vertical-align:top;line-height:120%;font-size:5pt">1</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">18.52%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.99%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.99%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">6.5%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Tier 1 risk-based capital ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">18.52%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.99%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.99%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">8.0%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Tier 1 leverage ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">11.71%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">10.14%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">10.14%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">5.0%</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Total risk-based capital ratio</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">19.75%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">17.30%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">17.30%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">10.0%</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:7pt;"><font style="font-family:Arial;font-size:7pt;"><sup style="vertical-align:top;line-height:120%;font-size:5pt">1 </sup></font><font style="font-family:Arial;font-size:7pt;">Lowest capital levels reflect the period 3/31/2016 to 3/31/2018. </font></div></td></tr></table></div></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The key drivers of the projected changes in capital ratios during the scenario are indicated below.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:62.82051282051282%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:66%;"></td><td style="width:1%;"></td><td style="width:15%;"></td><td style="width:1%;"></td><td style="width:16%;"></td><td style="width:1%;"></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Table 4. Sources and Uses of Capital</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Washington Federal, Inc.</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">($ Millions)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">$</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Tier 1 Common Equity (12/31/2015)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1,678.5</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">18.52</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Pre Provision Net Revenue</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">361.4</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">3.99</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Net Charge Offs</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(270.1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(2.98</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Change in ALLL</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(119.2</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(1.32</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">REO Losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(143.3</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(1.58</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Loss on Investments</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(40.2</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(0.44</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Taxes</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">71.9</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">0.79</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Change in Unrealized Losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1.0</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">0.01</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Dividends</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(129.9</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(1.43</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Other Equity</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1.2</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">0.01</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Impact of Risk Weighted Assets</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">0.42</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Tier 1 Common Equity as of 3/31/2018</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1,411.3</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.99</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr></table></div></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Summary Results for the Severely Adverse Scenario for the Bank</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The projected results for the Bank for the cumulative 9 Quarter Timeframe during the hypothetical severely adverse scenario were similar to the results for the Company.  These results are indicated below. </font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">6</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:60.256410256410255%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:67%;"></td><td style="width:1%;"></td><td style="width:31%;"></td><td style="width:1%;"></td></tr><tr><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Table 5. Cumulative Revenue, Losses, and Net Income</font></div></td></tr><tr><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Washington Federal, N.A.</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Aggregate</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">($ Millions)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">9 Quarters</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Pre-Provision Net Revenue</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">361.4</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Total Loan Losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">270.1</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Total Provision for Loan and Lease Losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">389.3</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Loss on REO and REO Expense</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">143.3</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Other Than Temporary Impairment on Investments</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">40.2</font></div></td><td style="vertical-align:bottom;border-right:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Net Income After Taxes</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(139.6</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td></tr></table></div></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The table below represents the beginning, ending and minimum capital ratios during the 9 Quarter Timeframe.</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:36%;"></td><td style="width:15%;"></td><td style="width:15%;"></td><td style="width:15%;"></td><td style="width:2%;"></td><td style="width:17%;"></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Table 6. Capital Ratios:  Beginning, End, and Low Values</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Washington Federal, N.A.</font></div></td></tr><tr><td rowspan="2" style="vertical-align:middle;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Projected Stressed Capital Ratios</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Actual</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Stressed Capital Ratios</font><font style="font-family:Arial;font-size:8pt;"><sup style="vertical-align:top;line-height:120%;font-size:5pt">1</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">Regulatory Well</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">As of 12/31/15</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">As of 3/31/18</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">Lowest Level</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:7pt;"><font style="font-family:Arial;font-size:7pt;">Capitalized Minimums</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Common equity tier 1 risk-based capital ratio</font><font style="font-family:Arial;font-size:8pt;font-style:italic;"><sup style="vertical-align:top;line-height:120%;font-size:5pt">1</sup></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">18.48%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.94%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.94%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">6.5%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Tier 1 risk-based capital ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">18.48%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.94%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.94%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">8.0%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Tier 1 leverage ratio</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">11.69%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">10.12%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">10.12%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">5.0%</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Total risk-based capital ratio</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">19.70%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">17.26%</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">17.26%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">10.0%</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:7pt;"><font style="font-family:Arial;font-size:7pt;"><sup style="vertical-align:top;line-height:120%;font-size:5pt">1 </sup></font><font style="font-family:Arial;font-size:7pt;">Lowest capital levels reflect the period 3/31/2016 to 3/31/2018. </font></div></td></tr></table></div></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">The key drivers of the projected changes in capital ratios during the scenario are indicated below.</font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">7</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:138%;padding-bottom:13px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:62.82051282051282%;border-collapse:collapse;text-align:left;"><tr><td colspan="6"></td></tr><tr><td style="width:66%;"></td><td style="width:1%;"></td><td style="width:15%;"></td><td style="width:1%;"></td><td style="width:16%;"></td><td style="width:1%;"></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Table 7. Sources and Uses of Capital</font></div></td></tr><tr><td colspan="6" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Washington Federal, N.A.</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">($ Millions)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">$</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#acacac;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-weight:bold;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Tier 1 Common Equity (12/31/2015)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1,676.3</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">18.48</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Pre Provision Net Revenue</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">361.4</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">3.99</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Net Charge Offs</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(270.1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(2.98</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Change in ALLL</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(119.2</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(1.32</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">REO Losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(143.3</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(1.58</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Loss on Investments</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(40.2</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(0.44</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Taxes</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">71.9</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">0.79</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Change in Unrealized Losses</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1.0</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">0.01</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Dividends</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(129.9</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">(1.43</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">)%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Other Equity</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1.2</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">0.01</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Impact of Risk Weighted Assets</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">0.41</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;font-style:italic;">Tier 1 Common Equity as of 3/31/2018</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">1,409.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">15.94</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;"><div style="text-align:left;font-size:8pt;"><font style="font-family:Arial;font-size:8pt;">&#160;%</font></div></td></tr></table></div></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div><div style="line-height:138%;padding-bottom:13px;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Conclusion</font></div><div style="line-height:138%;padding-bottom:13px;text-align:justify;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">Throughout the severely adverse scenario, capital ratios for the Company and the Bank remain well above regulatory minimums.  It is noted that the Bank&#8217;s capital ratios as of December 31, 2015 are among the strongest of its bank peers and would continue to be throughout the scenarios even by today&#8217;s standards.</font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;">8</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;"><br></font></div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>a2016dfastdisclosureimage1.jpg
<TEXT>
begin 644 a2016dfastdisclosureimage1.jpg
M_]C_X  02D9)1@ ! 0$ W #<  #_VP!#  (! 0$! 0(! 0$" @(" @0# @("
M @4$! ,$!@4&!@8%!@8&!PD(!@<)!P8&" L("0H*"@H*!@@+# L*# D*"@K_
MVP!# 0(" @(" @4# P4*!P8'"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*
M"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@K_P  1" #: _$# 2(  A$! Q$!_\0
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MBB@ HHHH **** "BC(]110 4444 %%%% !1110 4444 %%%% !1110 4444
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M?A1110 4444 %%%% !1110 4444 %%%% !1110 4444 8_Q#_MS_ (0#7/\
MA&/-_M+^Q[G^SO(^_P"?Y3>7M]]V,>]?B+\1?CY_P6/^&5U<-XX\1_%G2((Y
M&Q->Z1-''MR>0QBP1[@U^Z5%=>%Q4<->\%*_<^.XKX4K<2^S=+&5,.X7^!NS
MO;=)J]K::G\\[?\ !2_]O=6*M^U'XJ!!P0;I>/\ QVG1_P#!2O\ ;[F)$/[3
M_BQR.H6Y4_\ LM>2?$K_ )*)KO\ V%[C_P!&-7WE_P &\OA_0?$'QL\?P:_H
MEG?)'X;MFC2\MDE"GSVY 8'%?2UU0H4'4Y$[>2/YAR"IG^>Y]2RQ8ZI#G;7-
MSS=K)O;F7;N?-7_#R/\ X*!?]',^+_\ O\/_ (BC_AY'_P % O\ HYGQ?_W^
M'_Q%?OS_ ,*T^''_ $3_ $3_ ,%4/_Q-'_"M/AQ_T3_1/_!5#_\ $UY/]IX;
M_GROP_R/U_\ XA7Q)_T.:G_D_P#\L/P&/_!23_@H"!D_M,^+@!U/GC_XFO:/
M^"<G[>?[8GQ0_;;^'G@'X@_M!^(=6T;4]9>*_P!.N[A3'.@@E;:PV],@'\*_
M8C6OA!\,-<T>[T2[\ Z,(KRVD@E*:7"#M=2IP=O7!K\*O^":6@7OA3_@IEX
M\+ZDFVXTWQ=<VLZXZ/'#.C#\P:Z:5?#XNA4M32:7EV?D?,YOD'$/"&?9:JF8
M5*T:U6*>LTE:4-&G)WNI?@?OS1117SA_2P4444 %%%% !1110 4444 ?,?\
MP55_99^-G[6_P!T[X<? S4+:#4H=?CNKO[7J+6R/ (W4J6 .[EAQ7Y.?M4?\
M$NOVF_V/_ANOQ3^+JZ$-,>^CM1_9VJ>=)YCYQ\NT<<=:_?\ KX=_X+]?\F3P
M?]C3:?UKU,OQE:G4C15K-GY-XD\&Y/CLNQ6<U>;VT*>EI>[[NVEOU/Q5K^DG
M]D?_ )-9^'7_ &).F?\ I-'7\VU?TD_LC_\ )K/PZ_[$G3/_ $FCKMSK^'#U
M9\1X&_\ (RQG^"/YL]#HHHKYX_I **** "BBB@ HHHH **** "BBB@ HHHH
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MKNB:>K/?ZQ:P!1EC+<*N!^)K@?%W[87[*W@)S#XR_:&\'Z;(#CR[O7X$8GT
M+9)]J_#']JC]E;]N'X'^%[7QQ^U%INNQZ=J&H"SM[K5M>^U^9.49PO,C'[J,
M<^U>$_0U[-+)Z<XW]I=>1^)9KXS9G@:SHO+O9S[5)-/7;W>5?F?U%LRHI=V
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M*6?Q/^&^MZ!+)_JTU?39("WTW@55/**&TIW?E8Y<?XQY^E[7#8!0I=Y\SO\
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MD1'\:];.J=Z<9]G;[_\ AC\>\#\Q]GF.*P+?QQ4UZQ=G^$OP(/\ @K=\:O\
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M^&^O> -9MQ+:ZSI-Q9SQD?>62,J1^M?S2^./">I> O&FK^!]90K=Z-J<]C=
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MF;4?%WBN/[0V,[GFGW.?U-?TA:#HNG^&]#LO#NDP^7:V%I';6T8_AC10JC\
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MRHM6YNY^L5LGX>XJS'"YS2K<\J#]UPE%Q>M[2T;^5T+7@7_!4C_E'_\ $_\
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MP)71LG*+MV[#Z_>KS']E#Q/<>"_VG/A_XLM9"DFG>,=.N%8'^[<(:^@C2G+
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M''[(_P )/@%XK^(FE^(O%MUJFBZ'/=VC3:E&(S(BY&Y1'R/;-?H[7E_[:_\
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M9# ]P0<U>=1:KQEW7]?F<?@CBZ<\AQ.&3]Z-3F^4HI+_ -)9)7P[_P %^O\
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M*AB%##4VFG+E2G+39*[:O_V[ZGX-U^F?_!-;_@K'^S!^RG^RMIGP=^)HUO\
MM:TU"YFE^Q:<TD>UV!7##Z4O@S_@W)\7R[&^(/[1.G1 _?72-,=R/^_F*]9\
M&?\ !O/^R[H^P^,_B;XHUK'WQ$8[7/\ WSNQ77BL9E]>').3:\CY#A+@SQ'R
M#'O&8.A"$G%Q_>2BU9M/9._0^POV;/VBO /[4WPHL_C%\-/M7]DWTTD</VV
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M[''Q!^&FG_&_P[<Z]J>CB"PTJVU%9)9Y/.C.U0N<\ G\*^AOVH/@S/\ M#?
M'Q1\%;;6UTU_$6F_95OF0L(?G5LX'7[OZU^=?_$./KW_ $<=9_\ @J>O/P<<
M+S<]6=FGM8_1N-,3Q6Z$L%E6#56%6$E*3DER\UXV2;5]-;W/S$K]H_\ @CU^
MU7^SEX:_8S\+?"[Q'\9M L/$-G-=?:=)O+]8YH]T[%<AL=00:\7_ .(<?7O^
MCCK/_P %3TG_ !#CZ]_T<=9_^"IJ];%XG 8NGR.=ODS\?X0X:\0.$,SEC*.
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M -EZ?>K+*(TW[GP.PR/SK\AJ_3O_ (AQ]>_Z..L__!4]'_$./KW_ $<=9_\
M@J>O9PN*P&%I<BG?Y,_%>+.%N/\ BS-OKU; J#Y5&RG%Z*_>6^I]>_L/_MB_
MLMZI^S-\-_!%I\=_#7]KZ7X$T>QU'3Y-21)+>XBLHHY(V#8P0RD'Z5]'V5[9
MZE:1W^G7<4\$R!XIH9 R.IZ$$<$>]?EE_P 0X^O?]''6G_@K>OT@_9Y^%<OP
M.^!OA7X07&KK?/X;T2"P:]5-HF\M0N[!Z9Q7C8N&%3YJ4[W?8_:N$,;Q55A]
M6S;!JC&$4HR4D^9JRM:[MIK>Y^)__!8[XY^.?BY^V[XG\,>([F>/2_"$ZZ9H
MFG.2%B01H[R8_O.S$Y_N[1VK5_X)5_\ !23PE^PAJ'B30O'W@&YU32?$SV\D
ME[II47%L\0< 8;&Y")#D9SD5]$?\%F-&_P""<7BKQ1<>(]8^)\UC\3XH!%<0
M^&+<70N=HPJW0!VH0!C=G.!C%? 7[/7[)'Q\_:I\13>'_@;\/[S5Q;D_:+TK
MY=O .V^0_*I/I[U[]'V%? *-16C97OI\S^?<[_M[(^/ZF)P%55J\IR<>2TW:
M5URRCK9J+M;I;0_6JS_X+V_L,3PA[JY\2P,1RAT1VQ^(J;_A_-^P=_T%O$G_
M (():_.^;_@B_P#\% X9#&?A' V.Z:I$1_.J.K_\$>O^"@.D6[7+? Z>YVC.
MRTNXY&/T -<OU+*W]O\ %'UCXY\5X+7 _P#E&?\ F?J1\._^"S7[ 7Q$U"/2
MXOBW)I$LC!0VNZ=);1@G_;88KZ8\+^+?#'C?18?$?@_Q!9ZG87"AH;NQN%DC
M<>Q4U_-3\4?@U\5/@GX@/A;XL^ =3T#4 ,BVU*U:,L/4$\'\*]M_X)Q?M[_$
MG]CWXR:7;?V[<W7@W5+V.WUW0Y92T8C=@#+&#PCKG/'7O45\HINGS49?\$ZL
MA\8L?',(X7.Z"BF[.44XN+_O1;>G?9KS/WYKR7]N[P)J7Q+_ &._B-X(T:!I
M;R_\*7:6L:C)+B,D?RKU6RO+74;.'4+&99(9XEDAD4Y#JPR"/8@T^6*.>)H9
MD#(ZE65AD$'J#7APDX34NQ^\8S#0QV"J4)/2<7'Y-6_4_EV961BCJ00<$$<@
MU^L7_!(G_@I5^S!\-/V8['X&_&CX@6OA?5="NYO)FU,E8+F%VW!E?ID$D$?2
MK7[9G_!!;2_BCX\U#XE_LV^.;+07U.=KB\T#4X6-NLK'+&)DY4$\[3P*\%TS
M_@WS_:YN[T0:AXU\*VD).#.;IWP/7"C-?25L1@,;0Y9SM^9_,N2\-^(' ^>R
MK8/">UT<;[QE%M:Z--;)ZVL??'C[_@L7^P%X$M'N%^-,6L.H.R'0[5[@L?3Y
M1Q]:]]^&WC_P?\<OA=I?Q"\,O]JT7Q'I@G@$J_?B<$%6'Y@BOS\^"O\ P;N?
M#[1[F+4?CO\ &:\U?809-/T*W\B)_P#MH_S#\J_0/X0_";P1\#?AUI?PK^'&
MF-9Z+H]OY-C;O*7*+DDY)Z\DG\:\7$QP<$E1DVS]OX7Q/&N-K3J9U0ITJ;7N
MQB[RO?KK)6MY_(_$C_@JE_P3\\5?LC?&.]\8>&-&FG\"^(+M[C2KV*,E+-V.
M6MW(^Z02=OJ/I7.?\$W_ -O_ ,2?L*_%2;5;BQEU+PKK06+7]*C?#8!^6://
M&]?U'%?O+X^^'W@KXI>%+OP/\0O#-IJ^DWT92ZLKV$.CC\>A]".17Y]?M%?\
M&]OPX\5ZG<:_^SM\3I?#IF8LNCZQ$9[>,GLKK\X'MC\:]*AF-"M1]EB/O[GY
MGQ!X:Y[DV=K-N&W>SYE"Z3BWNE?247VWMIJ?27@3_@K#^P/XYT&/7!^T+H^D
MEXPSV>M.;>9#CD%6':O _P!NG_@M_P#!/PGX U'P+^RYK;>(_$FH6[P1ZS#&
M5M+$,"#(&/\ K&QT []:^9-6_P"#?[]LJRNS#IFO>%[V('B9=0,>1ZX89KJO
MAK_P;O?'75[Z.3XH?%[0M'M,CSH]/C>XFQWV]%_,U,</E5.7.ZE_+^D=.*XA
M\6\RPSPE/+_9RDK.:5GYM.4N5>NMNA\!:+HGB_XF>,(M'T33[K5M9UB\Q'#"
MA>6XF=N>!U))S7[K?\$K_P!A=/V+O@0(O%,$;>+_ !&4NM?E49\CCY+<'T4=
M??-;?['?_!,_]FK]C2-=7\%Z"VK>(C'MF\1ZNH>?W\L=(A].?>OH6L,?F*Q"
M]G3^'\SW/#WPXEPW5>89A)2Q#5DEJH7WUZR>U]DKVO<9<7%O:0/=7<Z111J6
MDDD8*J@=22>@KYX_;+_;"_9=T#X">-?"6J?';PTFIWWAJ]MK2Q34T>2:5X65
M44*3DDFO:OBQX)D^)/PRU_X?17PM6UK2+BR6Y*Y$1DC*;L=\9K\SO^(<?7O^
MCCK3_P %3US82&&;YJL[6\CZGB[&\4T*2H91@U64XR4I.27+TVNK_>?F)7ZX
M_P#!#[]J#]GOX<_LMM\-O'OQ?T/1]=;Q!<S+IFH7JQ2F-C\K 'L:XG_B''U[
M_HXZS_\ !4]'_$./KW_1QUG_ ."IZ]G%8K 8JER.=ODS\1X4X5X_X4S98ZC@
M5-\KC9SBE9V[2WT/U&T77]#\2:9'K7A[6+6^LY1F.ZM)UDC;Z,I(KR']I+]K
MG]F3P%\-O$NB>+?CEX;L[R;0[R"&U?4T9WD:%U5 %)Y)(&*L?L2_LNW7[)'[
M->F_ *[\5)J[V$MT_P#:$<)0-YLC/C!],XKX:\0_\&[>O:YK]]K0_:*M$^V7
MDL^PZ6QV[W+8_6O&HT\(ZK]I.R6VFY^UYYF?%M/*J#P&!4ZM2+]I%S5J;LM-
MUS:MJZ?0_,#5)8YM3N9HF#*\[LI'<%C7ZB_\$'_VG?V?_A!\"?%'@/XH?%K1
M=!U>^\7FZL['4[L1/-";:%-ZYZC<I'X5G?\ $./KW_1QUG_X*GH_XAQ]>_Z.
M.L__  5/7M8G%X#$T73<[?)_Y'XCPQPEQ_POG$<PHX%3DDU9RC;56>TC]/?"
MGC;P?XZT[^UO!GBBPU6VS@SZ?=I*H/7!*DX/UK4KYL_X)N?L$7W[!7@;Q#X/
MO?'\6OG6]66\6:*V,8BQ$J;<'K]W-?2=?.U8PC4:@[KN?TGE.(Q^*R^G5QM+
MV55KWH7YK._?KW([R\M=.LY=0OKA8H((VDFE<X5$49+$]@ ,UX%X[_X*D_L'
M_#XR1:M^T/HMU-$2)+?3)#<2*1VPHKV[QMX>;Q;X,U?PHEP(3J>EW%H)2,A#
M)&R;L>V[-?F)<_\ !N;KUQ<R3_\ #1MH-[EL?V6W&3FM\+3PD[^VE8^?XKS#
MB[!>SCDF%C6O?F<G;EVMIS1O?4_-3QKJ5IK/C'5=7L)"T%UJ,TL+$8RK.2#C
MZ&OK[_@BQ^U?\#_V4_BYXMUOXX>+#I%IK&B06UC.;=G5I%E+$';]W@]Z]J_X
MAQ]>_P"CCK/_ ,%3T?\ $./KW_1QUG_X*GKW:V-P%:DZ<IZ/U_R/P')N"?$'
M),WIYC0P:<X-M)RC;5-=))]>Y]Y_#7]O?]CSXO:M:>'OA]^T#X=U#4;Z98K7
M3DO0)I)&.%4*>23Z5Z]7YO?L]_\ !!G6?@C\<?"?Q?F^/5K?)X:UZVU%K-=-
M93,(I ^P'MG%?I#7@8F&'A)>QE=']$\,8[B3'86<LYPT:,T[)1=TU;?=VU\P
MHHHKF/ICYB_X*K?L/-^VI^SNUCX4MH_^$Q\+R/?^&'; \\E<2VI/82*%Q_MH
MG;-?@YKV@ZYX4URZ\.>(]+N+'4+&X:&[M+F,I)#(IP593R"#7]0%?,G[;/\
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MTY4U\=>"_P#@WK_96T;9_P )G\1?%.M8^_Y;QVN[_OD-BOLOX"_ SP#^S?\
M"W3/@[\,;6XAT725<6D=U/YL@WN7;+8&>6->7C9X*;<J5^9O7L?JW ^$XXP,
M(8;-U3C0ITU&*CK.ZLE=JZV3OYF7\0/VM?V9OA6TB?$'XY^&M+:+/F)<:K'N
M4CJ" 20:_G7^+&J6&M_$_P 0ZQI5TL]M=:S<RV\R'(=&D8AA[$&OTP\=_P#!
MO9KOC+QKJWBU?VAK6$:GJ,UR(FTQB4WN6QG\:RO^(<?7O^CCK/\ \%3UWX*K
M@,)=^TNWY'Y[QQE?'_&,J<)9>H0I.5K3BV[VWNUV['*_\$$/VB/@A\#=3^(V
MG?%[XFZ3X=EUE=,&EKJER(OM)C-SO"D]<;US]:_6#P7\2?A]\1K1K_P%XTTS
M6(D +OIUZDNT'H3M)QGWK\R?^(<?7O\ HXZS_P#!4]?3?_!-7_@F=J/[ GB#
MQ7K5[\3H=?7Q):6D*QQ6AB\DPM*<G/7/F?I7+CW@ZTI583][32WR/J> (\:Y
M)0H93C,"HT(\UZG.KJ[E+5)N^KMI8[K_ (*??%KQI\$OV&/'WQ ^'MS+;ZM#
M806MM=P\-;"XN8H'E!'0A)&P>QP:_GSNKJYOKF2\O+AY9I7+RRR,69V)R22>
MI)[U_35\4?AKX1^,7P\UGX7>/=,6\T?7;"2TO[<G&Y&'4'LP.&![$ U^5GQ$
M_P"#=[XRP>.Y;?X8_%[0[CP]-.3;7&J1R)<01D]'500Q'^S6V58K#T*<HS=G
M<\?Q9X3XCSW,*&)P,'5IQCR\J:O&5V[V;6Z:5_+7H>B?\&Z_QD\>^)/"GC[X
M-:]J-Q=Z)X>>QO=&\YRPM&G,ZR1*3T4^4K!>@.X]Z_2VO"_V!OV&? G["GPC
MD\!^&]0;4]7U2X6Z\0:U)'M:ZF"X55'\,:#(4>['O7NE>=C*M.MB93ALS]+X
M)RO,,FX7PV#QKO4BG?6]KMM1O_=32[:::!1117*?5!1110 4444 %%%% !11
M10 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%%
M !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %?'?_!:7]KGQC^S!
M^S-;:-\-M0>RU[QEJ)TZ'4(CA[2W$;/-(A[-@*@/;?GM7V)7QG_P6T_90\9_
MM)?LR6OB/X<:9)?:UX+U$ZB-/A7,ES:M&R3*@[L!M?'?81WKIP?L_K4.?:Y\
MOQJ\Q7"N+> O[7D=K;V^U;SY;VMKVU/Q)@^TZYK2?;KN26:[N0)IY7+,S,W+
M$GDG)SDU_2!^RY^SUX"_9B^"FA_"?X?Z5!!!8V,?VVYB0;KRX*CS)G/\19LG
MV&!VK^;ETNK&Z,<L;PS0R8974AD8'H0>A!K]2OV(_P#@O%X%T'X>Z5\-/VJ]
M"U&*]TJTCM8O$VF0^<MS&BA5,L?4/@#+#@XSWKWLUH5ZU./L]4MT?@'A+GV0
MY)F6(_M&2A.:2A.6RLWS)OI?35Z:;GZ?45\PVG_!8G_@G[=68O/^%W119&?*
MELI _P"6*\Y^,'_!>[]C_P $:;,OPWLM;\5ZBJGRH8K/[/"6[9D?J/I7@QP>
M*D[*#^X_H#$<:<)X6E[2IC:=O*2;^Y7;^XR_^#@W3_ K_LH:+J>M6]O_ &XG
MBB%-&E*CS<%&\U0>NW8"2.F0*_'CPUIU[J_B*PTK3HFDN+F\BCA1!DEF8  ?
MC7KG[9_[;OQD_;F^(\/BGQ^ZP6=H6BT/0+')AM%8]AU=SQECSVK[#_X) ?\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M *^R_*)Q\'_\BE_XG^2"BBBOU4^J"BBB@ HHHH **** "BBB@ HHHH ****
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MR/0P6:QQV EB:<'=7]WJVNB*G[:W_)K/C/\ [!B_^CHZ_/\ _85_Y.S\%_\
M7_-_Z32UW_Q?_9E_;=\'_#;5O$OQ$^(BW>B6EN'U"W&OR2[TW*,;2@!Y(KPW
MX,>%_'/C7XG:1X7^&NHBTUR\G9=.N3<&+8PC9B=X!*_*&'XU^(\99WC<?Q=@
M,35P<Z4H<EH2^*5JE]/5Z+S/B<XQU;$9O0JRHRBX\MHO=^]?3UV/V%HKX0_X
M9 _X*(_]%53_ ,*:;_XBO4_V0?@%^UG\,_BK-XB^-GCA=1T=M(FA2W&LR3XG
M+QE6VLH'16Y]Z_8LOXLS;&8VG0J976IQD[.4K6CYO38^PP^;8JM6C"6%G%/J
M]D?3E%5]5U33M#TRXUG5[V.VM;6%I;FXE;"QHHR6)[  5\ ?M/?\% /B1\7?
M$TGPZ^!%Q=Z=H\D_V>"6R4_:]28G:,$<JI[*.N>:]'B;BO+.%L*JF)O*<M(P
MC\4G^B[O\WH=.9YKA<KI*535O9+=GW7K_P 3OAQX5F-MXE\>Z-82K]Z*[U**
M-Q_P$MFC0OB=\-_$\RVWASQ]HU]*WW8K34XI'/\ P$-FOB;X:_\ !+?XH>.-
M,C\1?%KQ^NDS3J'^PJAN)USS\[EL ^H&?K4/Q<_X)@_$OX=Z'-XK^$WC5M:>
MU0R26"QF&Y*CDE"#AC_L\?TKYA\6<<*A]:>4?NM[>T7/;_#:_P N6_D>6\VS
MM4_:_5/=_P 7O6]-_P #[[HK\\?V3O\ @H'X\^%WB*V\"_&75+C5/#TDHA>Y
MN\M<:<<XW9/+(.ZGH!Q7Z%6=Y:ZC:17]C<)-!/&LD,L; JZD9# CJ"#FOI^%
M^+,LXKP;K8:ZE'24'O%_JGT?Y,]3*\UPV:T7.EHUNGNO^!YDE%%>._MC?M5Z
M1^S+X%2>SBBN_$6J!DT>Q<\+C[TSC^XN1QW)QZX]G,LRP>48&>+Q4N6G!7;_
M $7=MZ)=6=F)Q-'"4)5JKM%;GJ?B#Q5X8\)VGV_Q3XBL=.@/26^NDB4_0L1F
MN>TS]H+X':Q>?8-.^+&@239P$.IQKD^@R1FOR_FU/XZ_M5?$9;%[O4?$6M7[
MDI#O.R-<^GW8T&?8#BO9K#_@E+\>)M,6]N?%>A6]T5#"U\UVVGT+@=?PK\IP
MWB/Q%G564\HRQU*47:[>OW[)^5V?*TN(\QQLV\)AG*"ZM_TK^6I^@\$\%U"M
MQ;3))&XRDD; AAZ@CK7YS_\ !4W_ ).;B_[%FU_]&35?T[X=_P#!0/\ 9$N#
MJ?AV&^U#3(6W30V$_P!MMG'O$?F_$+Q7D?[3?QVU;]H7XAP>.=?\.+I=]!I4
M5E>6R,=OF1NY+ -ROW^AZ8KP>/N+X9OPY]2Q.&J8>NIQ?+-.S2O=QE97^Y'!
MG^;K%Y=[&K3E3J73LU^3/N#_ ()@_P#)KT7_ &';K^4=?1%?._\ P3!_Y->B
M_P"P[=?RCKZ(K];X+_Y)/!?]>X_D?6Y-_P BJC_A04445].>F%> _P#!3#_D
MT[5_^PC9?^E"5[]7@/\ P4P_Y-.U?_L(V7_I0E?-\8?\DICO^O4__26>;G'_
M "*J_P#AE^1\K?\ !,C_ ).FL/\ L%W?_HIJ_2>OR6_9C^.8_9X^)\?Q'70#
MJ4D-E/##:^;L!=T*@DX/ SG%>K>*_C+^WS^TZ[P^%_#6MV6ES?ZNUTBU:UA9
M3V,CXW_BQK\>X XSP&0<-O"JE.M7=234(1;=FHI-O9;/:[\CY#(,YH8#+72Y
M93FY-VBK]$?>^O?$WX<>%I3!XD\>Z-82+UBN]3BC;_ODMFI/#OQ!\!^+G\OP
MKXTTK4GQDI8ZA'*P_!22*_-R;]@']KS58S?ZCX$D>3&2MQJ<;.3_ -]'G\:\
MW\3>$?BU\!_%4=CXCTS4_#VJ1$20MO*$X/WE93AOP)KVL5XHY_E\E5Q>52IT
MF]Y.2?WN*5_([*O%&/P[YJV%<8>=U^-K'[!T5\U?\$^?VM]7^.>A7/P^^(%V
M)M?TB$21WAX-W!TRW^V#U]>M?2M?JV29S@L_RVGC<*[PEWW36Z?FF?58+&4<
M?AHUZ3T?X>0445\>_MK?\%![[P9JUU\*?@A>1B^@)CU/6QAO);O'%VW#NW;M
M6&?\0Y;PW@'BL9*RV26\GV2_I+J1C\PPV6T/:UGIT75OR/K#7_&7A#PH@D\4
M>*=.TX$9!OKV.'/TW$5F:;\9OA%K$_V;2_B?H$\A.!''J\)8GV&[FO@_X/\
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M "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH **** "BBB@ HHHH
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M6]"J$C]17G<%97_87"U&%3XVG4GWYI>\[^:5E\CFR7"_4,K@I;M<S]7K_P
M_-O_ (*"_&^\^+/QVO=%M+PMI/AYC9V48;Y6<?ZQ_J3Q^%?8O[ /P5T[X3_
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M;^[8WPF#P^"IN%%63;?7=^IY;^VM_P FL^,_^P8O_HZ.OS__ &%?^3L_!?\
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M>+R3X3O_ -/(_J>#Q<E_9/\ V\OU/I/_ ()@_P#)KT7_ &';K^4=?1%?._\
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M %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110
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MN@W_ (3\27_AC5(RMUIM]+:W"D=)(W*,/S!K\<\:J,X8G XA;6FOFG%_C?\
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M84^$?P^^-GQT'@CXEZ4]YIS:/<3+!'=20DRJT>T[HV!Z%N,U]I?\.W/V1/\
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M&0P/!!'<5\6_'W_@E=J>L>)KKQ+\"_%%A;VMW*TCZ-J[.@@).2(Y$5LKGH&
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MXOZ-%JOA/XAZ<LLB R:??7207,)[JT;D'CID9![$UT.L_%KX5^'83<:]\2M
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M$/V ?VV-$^"UO+\)?BM=R1:!<W)FTW4@A<6$K??5P,GRVZY&=K9X^8D?:?\
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M8J/,FMI.[MOT7F>+G,L;/#3P]"BY\\6KW2M?3J>6_P#!,@@?M36&3_S#+O\
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M*<8J-TUM)W??3[SU,WJ8UX>5&A1<^9-7NE:^G4\4_P"">! _:K\/Y./DG_\
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=%% !1110 4444 %%%% !1110 4444 %%%% '_]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
