52
Tviwirxexmsr xs LsqiWxviix Wlevilsphivw Qe} 534< {{{1LiptJm|LQWX1gsq

Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

  • Upload
    others

  • View
    0

  • Download
    0

Embed Size (px)

Citation preview

Page 1: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

4

Tviwirxexmsr#xs#LsqiWxviix#WlevilsphivwQe}#534<

{{{1LiptJm|LQWX1gsq

Page 2: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 3: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

6

[ls#Mw#Fpyi#Pmsr#GetmxepC

Fpyi#Pmsr#Lmwxsv}• Jsyrhih#mr#5338#{mxl#e#zepyi#mrziwxqirx#tlmpswstl}

• Peyrglih#hihmgexih#Fero#Jyrh#mr#Etvmp#5344#xs#xeoi#ehzerxeki#sj#erxmgmtexih#viwyqtxmsr#

mr#fero#gsrwspmhexmsr

• Qiqfivw#sj#Fpyi#Pmsr#lezi#qix#{mxl#2#mrxivzmi{ih#lyrhvihw#sj#fero#qerekiqirx#xieqw#

psgexih#xlvsyklsyx#xli#Y1W1

• [i#lezi#riziv#fiir#er#egxmzmwx#fijsvi#LQWX

• [i#lezi#riziv#izir#jmpih#e#46H#fijsvi#LQWX

Syv#Lmwxsv}#Sj#Irkekiqirx#[mxl#LsqiWxviix• Fpyi#Pmsr#lew#fiir#e#wlevilsphiv#sj#LsqiWxviix#wmrgi#xli#5345#MTS

• [i#lezi#leh#er#srksmrk#hmepskyi#{mxl#qerekiqirx#jsv#9.#}ievw

• [i#lezi#sjjivih#ehzmgi#jsv#}ievw#xlex#lew#fiir#gsrwmwxirxp}#mkrsvih

• Xli#qmwqerekih#wigsrhev}#sjjivmrk#mr#Higiqfiv#5349#{ew#xli#xmttmrk#tsmrx

• [i#sjjivih#syv#i|tivxmwi#f}#nsmrmrk#xli#Fsevh#� xlex#{ew#hirmih

• [i#sjjivih#x{s#i|gippirx#mrhitirhirx#gerhmhexiw#jsv#xli#LQWX#Fsevh#xlex#{ivi#xsxepp}#

yrvipexih#xs#Fpyi#Pmsr#� xlex#{ivi#hirmih

Jsyrhih#mr#5338#f}#Glygo#

Kvmiki/#Fpyi#Pmsr#Getmxep#

+�FPG�,#jsgywiw#sr#zepyi#

mrziwxmrk#tvmrgmtepp}#

xlvsykl#psrk#2#wlsvx#

iuymx}

FPG#lew#riziv#fiir#er#

�egxmzmwx�#mrziwxsv

[i#lezi#sjjivih#

LsqiWxviix#wxvexikmg#

ehzmgi#jsv#qer}#}ievw#� mx#

lew#fiir#mkrsvih

[i#wmqtp}#ger�x#eggitx#xli#

yrhivtivjsvqergi#er}#

psrkiv

Page 4: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

7

I|igyxmzi#Wyqqev}

> LsqiWxviix mw#e#gsqqyrmx}#fero#fewih#mr#Wiexxpi#{mxl#kviex#sttsvxyrmxmiw

– Xivvmjmg#kiskvetlmiw#erh#kvs{xl#sttsvxyrmxmiw

> Wlevilsphivw#lezi#wyjjivih ew#xli#Gsqter}#lew#yrhivtivjsvqih#sr#stivexmrk#qixvmgw#erh#XWV

– LsqiWxviix mw#sri#sj#xli#{svwx#tivjsvqmrk#ferow#mr#xli#gsyrxv}#sr#stivexmsrep#qixvmgw

– LsqiWxviix lew#yrhivtivjsvqih#epp#sj#mxw#tiivw#mr#xli#Tegmjmg#Rsvxl{iwx#erh#Gepmjsvrme/#ew#{ipp#ew#xli#fero#

mrhi|iw#erh#xli#fvseh#qevoix#sr#XWV

> LsqiWxviix lew#vi0rsqmrexih#x{s#psrk0wivzmrk#hmvigxsvw/#hiwtmxi#wivmsyw#mwwyiw#xlex#lezi#sggyvvih#sr#xlimv#{exgl

– Wgsxx#Fskkw>#Pieh#Mrhitirhirx#Hmvigxsv#erh#Glemv#sj#Eyhmx#Gsqqmxxii?#qiqfiv#sj#Fsevh#wmrgi#5345

– Hsyk#Wqmxl>#Glemvqer#sj#xli#Lyqer#Viwsyvgiw#erh#Gsvt#Kszivrergi#Gsqqmxxii#+gsqtirwexmsr#erh#rsqmrexmrk,#

erh#sr#Eyhmx#Gsqqmxxii?#qiqfiv#sj#Fsevh#wmrgi#5345

> Xlivi#evi#qer}#mrhitirhirx#viewsrw#xs#zsxi#EKEMRWX#Qv1#Fskkw#erh#Qv1#Wqmxl

– ]ievw#sj#fywmriww#erh#wxsgo#yrhivtivjsvqergi/#{mxl#rs#eggsyrxefmpmx}

– WIG#jsyrh#wivmsyw#eggsyrxmrk#erh#wigyvmxmiw#pe{#zmspexmsrw/#{lmpi#xli}#{ivi#sr#Eyhmx#Gsqqmxxii

– [if#sj#yrhmwgpswih#hiepmrkw#erh#pserw/#mrgpyhmrk#{mxl#Qv1#Wqmxl�w#jexliv

– I|giwwmzi#gsqtirwexmsr/#wxvygxyvih#tssvp}#erh#temh#mr#gewl

– Wigsrhev}#sjjivmrk#riev#epp0xmqi#lmkl?#wmkrmjmgerx#ievrmrkw#kymhi0hs{r#630he}w#pexiv

– Qermtypexmsr#sj#xli#gsvtsvexi#qeglmriv}#xs#ezsmh#eggsyrxefmpmx}#erh#kemr#ehzerxeki#ex#qiixmrk

Page 5: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 6: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 7: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 8: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

<

LsqiWxviix�w#Yrhivtivjsvqergi

Page 9: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 10: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 11: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 12: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 13: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 14: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 15: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

48

Viewsrw#Xs#Zsxi#�EKEMRWX�#Fskkw#erh#Wqmxl

Page 16: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

49

Wizivep#Wxvsrk#Viewsrw#xs#Zsxi#�EKEMRWX�#Fskkw#erh#Wqmxl

> XWV#erh#stivexmsrep#yrhivtivjsvqergi hyvmrk#xlimv#xiryvi#ew#hmvigxsvw

– GIS#vixemrw#lmw#tswmxmsr

– Rs#glerki#xs#wxvexik}

> WIG#jsyrh#wigyvmxmiw#pe{#zmspexmsrw/#mrgpyhmrk#xlex#LsqiWxviix exxiqtxih#xs#mqtihi#e#jihivep#mrziwxmkexmsr

– Fskkw#{ew#Glemvqer#sj#xli#Eyhmx#Gsqqmxxii#erh#Wqmxl#{ew#sr#xli#Eyhmx#Gsqqmxxii/#jsv#xli#irxmvi#xmqi

– Rs#eggsyrxefmpmx}>#GIS/#Kirivep#Gsyrwip#)#Xviewyviv#epp#viqemr#mr#xlimv#tswmxmsrw

> Xli#Fsevh#erh#qerekiqirx#xieq#lezi#e#{if#sj#mrxivgsrrigxih#erh#yrhmwgpswih#hiepmrkw erh#vipexmsrwlmtw

– Qv1#Wqmxl�w#jexliv#mw#e#psrkwxerhmrk#fywmriww#tevxriv#sj#xli#GIS/#izir#{lmpi#Qv1#Wqmxl#glemvw#xli#

gsqtirwexmsr#gsqqmxxii

– Xlivi#evi#pevki/#yrhmwgpswih#pserw#xs#mrwmhivw/#eggsvhmrk#xs#feromrk#vigsvhw

> Gsqtirwexmsr#lew#fiir#i|giwwmzi#erh#mw#wxvygxyvih#tssvp}>#oi}#sjjmgivw#evi#temh#qsvi#xler#=3(#mr#gewl#erh#

jsv#kirivexmrk#zspyqi/#mvviwtigxmzi#sj#tvsjmxefmpmx}/#{lmpi#Qv1#Wqmxl#glemvw#xli#gsqtirwexmsr#gsqqmxxii

> Gsqter}#irkekih#mr#e#wigsrhev}#sjjivmrk#mr#pexi#Higiqfiv#5349#{lir#mrziwxsvw#leh#ievrmrkw#i|tigxexmsrw#

jsv#U7#5349#xlex#jev#i|giihih#xli#Gsqter}�w#viwypxw?#xli#wxsgo#lew#riziv#vigszivih#

> Xli#Fsevh/#pih#f}#Qv1#Fskkw/#lew#qermtypexih#xli#gsvtsvexi#qeglmriv} xs#ezsmh#eggsyrxefmpmx}#erh#kemr#

ehzerxeki#ex#xli#Erryep#Qiixmrk

Page 17: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

4;

2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2017 20182016

Scott Boggs[Associated with HomeStreet since 2006]

Douglas Smith[Director since 2012 IPO]

Fsevh#Qiqfiv

Pieh#Mrhitirhirx#Hmvigxsv

Glemvqer/#Eyhmx#Gsqqmxxii

Irxivtvmwi#Vmwo#Qerekiqirx#Gsqqmxxii

I|igyxmzi

Fsevh#Qiqfiv

Glemvqer/#Lyqer#Viwsyvgiw#)#Gsvtsvexi#Kszivrergi#Gsqqmxxii

Eyhmx#Gsqqmxxii

Aggressive Loan Growth

Bank Almost Fails

FDIC/OTS Cease & Desist

Tax Gross Ups

Undisclosed Related Party Transactions

Material Accounting Weaknesses

SEC Investigation & Fine

LsqiWxviix#� Xmqipmri#Sj#Gsvtsvexi#Kszivrergi#JempyviwFskkw#erh#Wqmxl#lezi#szivwiir#qypxmtpi#tivjsvqergi/#eggsyrxmrk#erh#gsvtsvexi#kszivrergi#jempyviw

MQTSVXERX#XEOIE[E]W

Mr#5339/#Fskkw#{ew#sr#xli#fero�w#fsevh#{lmpi#mx#tyvwyih#lmkl0vmwo#gsqqivgmep#viep#iwxexi#erh#perh#hizipstqirx#pserw##

LsqiWxviix#epqswx#jempih#jvsq#xlmw#ekkviwwmzi#pirhmrk#wxvexik}#erh#xli#JHMG#mwwyih#e#giewi#erh#hiwmwx#svhiv1

Wqmxl#)#Fskkw#lezi#jempih#xs#tvstivp}#szivwii#LsqiWxviix�w#eyhmx/#gsqtpmergi/#ixlmgw#erh#gsqtirwexmsr#qexxivw

Corporate Governance Failures

Page 18: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 19: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 20: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

53

%Mrwxmxyxmsrep#Wlevilsphiv#Wivzmgiw#vigsqqirhih#xlex#wlevilsphivw#zsxi#ekemrwx#Qv1#Omrk#jsv#

viipigxmsr#fewih#sr#xli#jegx#xlex#li#wivzih#sr#xli#Eyhmx#Gsqqmxxii#ex#xli#xmqi#sj#xli#wixxpiqirx1�

Izir#Rs{#LsqiWxviix Qmw0Glevegxivm~iw#Xli#JegxwErsxliv#I|eqtpi#Sj#LsqiWxviix#Womvxmrk#Eggsyrxefmpmx}

LsqiWxviix qmw0

glevegxivm~iw#MWW�#

i|tperexmsr#erh#

vigsqqirhexmsr#mr#mxw#

534<#tvs|}#wxexiqirx

MWW�#i|tperexmsr#mw#uymxi#

gpiev#ew#xs#{l}#xli}#

vigsqqirhih#EKEMRWX#

sr#Omrk

LsqiWxviix�w Gpewwmjmih#

Fsevh#tvizirxw#

wlevilsphivw#jvsq#

lsphmrk#epp#hmvigxsvw#

eggsyrxefpi#erryepp}#

I\XVEGXIH#JVSQ#LSQIWXVIIX�W#534<#TVS\]

• %Omrk#nsmrih#xli#fsevh#mr#5345/#ws#li#{ew#tviwirx#ex#xli#xmqi#xli#mrxivrep#

gsrxvspw#{ivi#mqtvstivp}#glerkih1

• Jyvxliv/#zer#Eqir/#xli#i|igyxmzi#viwtsrwmfpi#jsv#mqtvstiv#glerkiw/#viqemrw#

{mxl#xli#gsqter}#xlivif}#geppmrk#mrxs#uyiwxmsr#xli#gsqter}*w#gsqqmxqirx#

xs#viqihmexmsr#erh#eggsyrxefmpmx}1#

• Jmrepp}/#xli#WIG*w#eppikexmsrw#xlex#xli#gsqter}#xsso#wxitw#xs#hixivqmri#xli#

mhirxmx}#sj#xli#{lmwxpifps{iv/#erh#xli#perkyeki#mr#xli#wizivergi#

ekviiqirxw#�11/#geppw#mrxs#uyiwxmsr#{lixliv#xli#fsevh#lew#wix#xli#

ettvstvmexi#xsri#ex#xli#xst1#Xlivijsvi/#zsxiw#ekemrwx#Xlsqew#Omrk#evi#

{evverxih#ew#xli#srp}#qiqfiv#sj#xli#Eyhmx#Gsqqmxxii#wxerhmrk#jsv#ipigxmsr#

ex#xlmw#erryep#qiixmrk1�

I\XVEGXIH#JVSQ#534;#MWW#VITSVX

Page 21: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

54

LsqiWxviix�w Mrxivgsrrigxih#Hmvigxsvw

Xlmw#mrxivgsrrigxih#{if#mw#e#

lerhtmgoih#Fsevh#f}#Qevo#

Qewsr1

Mx#pegow#eggsyrxefmpmx}#ew#

izmhirgih#f}#xli#WIG#

mrziwxmkexmsr/#LQWX�w#

gsqtirwexmsr#tvegxmgiw/#

yrhmwgpswih#mrwmhiv#pserw#erh#

yrhmwgpswih#vipexih#tevx}#

hiepmrkw1

Jyvxliv/#wizivep#qiqfivw#sj#

qerekiqirx#erh#xli#Fsevh#

lezi#vipexmsrwlmtw#{mxl#e#

xvsyfpih#tewx1

Yrhiv#Qevo#Qewsr/#Fero#Tpyw#

2#Jmhipmx}#Jihivep#Fero#jempih#

gsqtpmergi#i|eqw#erh#xli#

Hitevxqirx#sj#Nywxmgi#jmpih#

qypxmtpi#pe{wymxw#eppikmrk#

wyftvmqi#gvihmx#gevh#erh#

gsrwyqiv#tvsxigxmsr#mwwyiw1

Wsyvgi>#Jsv#qsvi#mrjsvqexmsr#tpiewi#wii#Ettirhm|#F

Page 22: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

55

XIJGS#0 Yrhmwgpswih#Vipexih#Tevx}#XverwegxmsrwXli#Fsevh#Lew#Jempih#Xs#Tvstivp}#Qsrmxsv#Erh#Hmwgpswi#Wizivep#Vipexmsrwlmtw#xs#Wlevilsphivw

> Ksvhsr#Wqmxl#erh#Qevo#Qewsr#lezi#fywmriww#xmiw#xlex#ks#fego#ex#piewx#xs#533< {lir#xli}#{ivi#mr#fywmriww#

xskixliv#ex#XIJGS/#PPG1#

> Ksvhsr#Wqmxl#{ew#xli#pevkiwx#s{riv#sj#XIJGS#erh#Qv1#Qewsr#wivzih#ew#xli#gsqter}�w#Tviwmhirx1##

> LQWX�w#Kirivep#Gsyrwip/#Kshjvi}#Izerw/#leh#e#wmqmpev#vspi#ex#XIJGS erh#mxw#tvihigiwwsv/#Gletiey#Mrg1

> LsqiWxviix lew#riziv#hmwgpswih#xli#psrkwxerhmrk#vipexmsrwlmtw#fix{iir#mxw#GIS/#Kirivep#Gsyrwip#erh#xli#glemv#

sj#xli#LVGK#Gsqqmxxii1

> Tyfpmg#vigsvhw#wls{#xlex#LsqiWxviix mw#rs{#e#gvihmxsv#sj#XIJGS1##

> LsqiWxviix lew#epws#rsx#hmwgpswih#{lixliv#er}#sj#xli#tevxmiw#gsrxmryi#xs#lezi#er#iuymx}#mrxiviwx#mr#xli#fsvvs{iv1#

VGHEQ-!NNE

Gletiey/#Mrg1

FpyiTsmrx#Irivk}/#PPG

Ipmxi#Irivk}

YRHMWGPSWIH#VIPEXIH#TEVX]#HIEPW#FIX[IIR#QEVO#QEWSR/#KSHJVI]#IZERW/#HSYKPEW#)#

KSVHSR#WQMXL

Hmvigxsv#Hsykpew#Wqmxl/#xli#Glemvqer#sj#xli#LVGK#Gsqqmxxii#{ls#szivwiew#i|igyxmzi#gsqtirwexmsr/#{svow#{mxl#lmw#

jexliv/#Ksvhsr#Wqmxl1

Wsyvgi>#Jsv#qsvi#mrjsvqexmsr#tpiewi#wii#Ettirhm|#F

Page 23: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 24: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

Hsyk#Wqmxl#Szivwiiw#LsqiWxviix�w#Qmwepmkrih#Gsqtirwexmsr#WxvygxyviHsyk#Wqmxl�w#Lew#Jempih Xs#Epmkr#Gsqtirwexmsr#[mxl#Tivjsvqergi

TE]W#JSV#YRHIVTIVJSVQERGI

> Mrgviewih#GIS�w#534;#xsxep#gsqtirwexmsr#47(#hiwtmxi#5;(#higpmri#mr#tvi0xe|#ievrmrkw#zw#5349

> Mrgviewih#GIS#qmrmqyq#wepev}#73(#mr#534<#hiwtmxi#5;(#higpmri#mr#tvi0xe|#ievrmrkw#mr#534;

> Temh#GIS#'683/333#fsryw#jsv#qivip}#gpswmrk#xli#Wmqtpmgmx}#Fergsvt#eguymwmxmsr

> Wxsgo#erh#stxmsrw#evi#srp}#45(#sj#RIS#gsqt#mr#534;#zw1#tiivw#ex#5<(

> Eziveki#iqtps}ii#temh#4=074(#qsvi#xler#tiivw

WIPIGXMZIP]#GLSSWIW#TIIVW#JSV#FIRGLQEVOMRK

> Xli#gsqter}#lew#ywih#;#hmjjivirx#tiiv#kvsytw#mr#8#}ievw#xs#gsqtevi#mxw#tivjsvqergi

> Wxsttih#hmwgpswmrk#tiiv#kvsytw#mr#mrziwxsv#tviwirxexmsrw#ejxiv#U6#5348#yrxmp#Fpyi#Pmsr#viuyiwxih#e#tiiv#kvsyt#mr#4U#534<

> Gsrwmwxirxp}#glerkiw#tivjsvqergi#qixvmgw

YWIW#EPXVYMWXMG#TIVJSVQERGI#QIXVMGW

> Hsiw#RSX#mrgirxmzm~i#Xsxep#Wlevilsphiv#Vixyvr/#tvsjmxefmpmx}/#ievrmrkw#kvs{xl/#sv#syxtivjsvqergi#vipexmzi#xs#tiivw

> Jempw#xs#ehnywx#pser#svmkmrexmsr#xlviwlsphw#hiwtmxi#wmkrmjmgerx#mrziwxqirxw#qehi#mr#fywmriww#pmriw

> Mrgirxmzm~iw#pser#kvs{xl#vexliv#xler#tvsjmxw

> Tvs|}#mrjsvqexmsr#xsyxw#VSI#erh#VSEXI#mrjpexih#f}#sri0xmqi#mxiqw#xs#nywxmj}#i|igyxmzi#gsqtirwexmsr

Page 25: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

Gsqtirwexmsr#sj#Reqih#I|igyxmzi#Sjjmgivw#Mw#QmwepmkrihWyqqev}#sj#Hsyk#Wqmxl�w#Gsqtirwexmsr#W}wxiq

Vswi#Qevmi#Hezmh/#Qsvxkeki#Pirhmrk#Hmvigxsv-

> Temh#qsvi#xler#'91<#qmppmsr#mr#pewx#jmzi#}ievw#hiwtmxi#tssv#tivjsvqergi#mr#liv#hmzmwmsr

> Gsqtirwexmsr#xmih#xs#syxhexih#pser#svmkmrexmsr#zspyqi#xlviwlsphw

-Epp#ezempefpi#ekkvikexi#hexe#jvsq#tvs|}#wxexiqirxw1#Qewsr#erh#Hezmh#evi#5346#xs#534;?#Irhviwir mw#53490534;?#erh#Firrmsr mw#534505346

Wsyvgi>#OF[/#Tvs|}#Jmpmrkw

Qevo#Qewsr/#Glemvqer/#Tviwmhirx/#GIS-#

> Temh#qsvi#xler#';#qmppmsr#mr#pewx#jmzi#}ievw#{lmpi#wxsgo#lew#yrhivtivjsvqih##

> Mr#Neryev}#534</#vigimzih#ri{#60}iev#gsrxvegx#{mxl#e#73(#mrgviewi#mr#lmw#wepev}

[mppmeq#Irhviwir/#GVI#)#Gsqqivgmep#Tviwmhirx-

> Qensvmx}#sj#gsqtirwexmsr#xmih#xs#syxhexih#pser#svmkmrexmsr#zspyqi#xlviwlsphw

Vmglevh#Firrmsr/#Viwmhirxmep#Pirhmrk#Hmvigxsv-#

> Sziv#=3(#sj#lmw#xsxep#gsqtirwexmsr#mw#mr#gewl#xmih#xs#svmkmrexmsr#zspyqiw1

Gewl Wxsgo

Gewl Wxsgo Gewl Wxsgo

Gewl Wxsgo

Page 26: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

Wikqirx#Lieh�w#Gsqtirwexmsr#Xmih#Xs#Zspyqi/#Rsx#Tvsjmxefmpmx}

Qw1#Hezmh�w#svmkmrexmsr#xevkixw#lezi#rsx#glerkih#wmrgi#fimrk#mrxvshygih#mr#5346/#hiwtmxi#xli#gsqter}�w#kvs{xl#mr#pirhmrk#girxivw#erh#svmkmrexmsr#liehgsyrx1#Xlyw/#iegl#}iev/#xli#xmivw#gsrwxmxyxi#e#ps{iv#fev1

Qv1#Irhviwir�w#svmkmrexmsr#xevkixw#lezi#rsx#glerkih#wmrgi#5348/#hiwtmxi#xli#gsqter}�w#kvs{xl#mr#pser#sjjmgivw/#

pirhmrk#girxivw/#fvergliw#erh#Q)E1

+333w, Egxyep#Pserw#

Ps{iwx#

Xevkix#Xmiv (#sj#

Lmkliwx#

Xevkix#Xmiv (#sj#

]iev Svmkmrexih Erryepm~ih Gpswih Erryepm~ih Gpswih

534; ';/887/4<8 '4/533/333 49( '6/=33/333 85(

5349 '</==;/67; '4/533/333 46( '6/=33/333 76(

5348 ';/545/768 '4/533/333 4;( '6/=33/333 87(

5347 '7/733/94; '4/533/333 5;( '6/=33/333 <=(

5346 '7/78=/97= '4/533/333 5;( '6/=33/333 <;(

+333w, Egxyep#Pserw#

Ps{iwx#

Xevkix#Xmiv (#sj#

Lmkliwx#

Xevkix#Xmiv (#sj#

]iev Svmkmrexih Erryepm~ih Gpswih Erryepm~ih Gpswih

534; '4/<8;/<66 '=93/333 85( '4/533/333 98(

5349 '4/866/584 '=93/333 96( '4/533/333 ;<(

5348 r2e '=93/333 r2e '4/533/333 r2e

Vswi#Qevmi#Hezmh#� WZT/#Qsvxkeki#Pirhmrk#Hmvigxsv

[mppmeq#Irhviwir � IZT/#GVI#)#Gsqqivgmep#Getmxep#Tviwmhirx

Page 27: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

5;

LsqiWxviix Glerkiw#Tiiv#Kvsytw#Sr#E#[lmq

LsqiWxviix�w#LVGK#

Gsqqmxxii#gsrwxerxp}#

glerkiw#xli#tiiv#kvsyt#

ywih#xs#firglqevo##

jmrergmep#tivjsvqergi#erh#

gsqtirwexmsr

LsqiWxviix#lew#ywih#ex#

piewx#;#hmjjivirx#tiiv#kvsytw#

mr#xli#tewx#8#}ievw/#mrgpyhmrk#

ferow#xlvsyklsyx#47#wxexiw#

{mxl#xsxep#ewwixw#jvsq#'4#

fmppmsr#0 '63#fmppmsr

Xli#Gsqter}#izir#ehhih#e#

ri{#tiiv#kvsyt#mr#mxw#

tviwirxexmsr#sr#82424<$

[i#glswi#tiivw#xlex#LQWX#

lew#kiskvetlmg#erh#qevoix#

szivpet#{mxl#erh#xlswi#xlex#

mx#gsqtixiw#{mxl#jsv#pserw#

+qevoih#mr#vih,

Xsxep#

Ewwixw#

+Qw, Wxexi 5345 5346 5347 5348 5349 534; 534<

EFGF ';/<89 KE \ \ \

FERG '43/65< GE \ \ \ \

FERV '=/;96 [E \ \ \ \ \ \ \

FOY '63/67; JP \

FSJM '</835 GE \ \ \ \ \ \ \

GSF^ '6/<79 GS \ \ \ \ \ \ \

GSPF '45/;4; [E \ \ \ \ \ \ \

GTJ '8/957 LM \ \ \ \ \ \ \

GZFJ '</5;4 GE \ \ \ \ \ \ \

G^RG '4/5;; TE \

JJR[ '4/543 [E \

JMFO '45/546 QX \ \ \ \ \ \ \

JQFP '9/==5 GE \ \ \ \

KFGM '=/;39 QX \ \ \ \ \ \ \

LEJG '8/543 GE \

LJ[E '7/446 [E \ \ \ \ \ \ \

MWFG '58/45= RN \

QGLF '8/8=7 GE \

RFLG '7/<76 GS \ \ \ \ \ \ \

TEG[ '57/==8 GE \ \ \ \

TKG '7/594 RN \

TTFM '</358 GE \ \ \

TVSZ '4/534 GE \ \ \ \

VRWX '=/<63 QW \ \ \

WFGJ '8/<43 JP \

XGFO '7/;94 GE \ \ \ \ \ \ \

XQT '9/97< R] \ \ \

YGJG '5/983 SL \

[EFG '8/846 GE \ \ \ \ \ \ \

[EJH '48/587 [E \ \

[EP '53/65= E^ \ \ \ \

[EWL '7/863 VM \

[XFJF '9/5<4 [E \

Page 28: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 29: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

5=

LsqiWxviix�w#Vigsvh#Sr#Wlevilsphiv�w#VmklxwPego#Sj#Eggsyrxefmpmx}#Mw#IZIV][LIVI

FSEVH#IRXVIRGLQIRX#

> Gpewwmjmih#Fsevh

> Gsqfmrih#Glemvqer#)#GIS#vspi

> Pego#sj#Tvs|}#Eggiww#f}#wlevilsphivw

SFWXVYGXMZI#ZSXMRK#WXERHEVHW

> Wytivqensvmx}#viuymvih#jsv#Q)E#erh#Glevxiv#Eqirhqirxw

> [E#wxexi#wxexyxi#hmwepps{w#jsv#{vmxxir#gsrwirx

EYHMX#GSRXVSZIVWMIW

> Qexivmep#{ieoriww#vikevhmrk#mrxivrep#gsrxvsp#hijmgmirg}#jsv#jemv#zepyi#eggsyrxmrk#sj#GVI#pserw#erh#W{etw

> Qexivmep#{ieoriww#vikevhmrk#fego#sjjmgi#w}wxiqw#vipexmrk#xs#eggsyrxw#te}efpi#erh#te}vspp

> Wmkrmjmgerx#hijmgmirgmiw#vikevhmrk#vipmefp}#vitsvxmrk#jmrergmepw#eggsvhmrk#xs#KEET#+wsyvgi#757F6#<249,

> Hipe}ih#jmpmrk#U6#5347#43U#erh#5347#43O#

TSSV#WLEVILSPHIV#IRKEKIQIRX

> [ewxih#wlevilsphiv#ewwixw#f}#vinigxmrk#syv#rsxmgi#sj#mrxirx#xs#rsqmrexi#{lmpi#mrzmxmrk#yw#xs#tyvwyi#xli#weqi#syxgsqi#xlvsykl#e#wtigmep#qiixmrk

> Hirmep#sj#syv#fssow#erh#vigsvhw#viuyiwx

PEGO#SJ#HMWGPSWYVI

> Rsri#sr#Kirhiv#Te}

> Pmqmxih#sr#GIS#Wyggiwwmsr#Tperw

FSEVH#EKI#)#PEGO#SJ#HMZIVWMX]

> Gsvtsvexi#Kszivrergi#hsgyqirxw#viwxvmgxw#

hmvigxsvw#wivzmrk#yrxmp#xli#gepirhev#}iev#jspps{mrk#

xlimv#;7xl#fmvxlhe}

> ]ix/#426#sj#xli#fsevh#mw#;7#erh#sziv>#Mrhmio#+<3,/#

Ihiviv#+;8,/#Omrk#+;7,

> 7#syx#sj#=#hmvigxsvw#evi#mr#xlimv#;3w

> Gpemqw#xs#fi#mrxiviwxih#mr#ehhmrk#e#{sqer#xs#xli#

fsevh/#}ix#rsqmrexih#6#qepi#hmvigxsvw#mr#534<

> Higmhih#xs#higpmri#syv#hmzivwi#gerhmhexi�w#+Vsreph#

Xeriqyve,#mrxirxmsr#xs#vyr#ew#e#hmvigxsv#fewih#sr#

tetiv{svo

> Higpmrih#xs#qiix#{mxl#e#kvsyt#vikevhmrk#fsevh#

hmzivwmx}

TSSV#FSEVH#IRKEKIQIRX

> Eyhmx#Gsqqmxxii#lew#qix#ji{iv#xmqiw#iegl#}iev#

wmrgi#MTS#mr#�45/#hiwtmxi#lezmrk#er#WIG#mruymv}#�480

�4;

Page 30: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 31: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

64

Fpyi#Pmsr#Getmxep�w#Vigsqqirhexmsrw#xs#Jm|#

LsqiWxviix

Page 32: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

65

Fpyi#Pmsr#Getmxep�w#Vigsqqirhexmsrw#Xs#Jm|#LsqiWxviixWxvemklxjsv{evh#Ettvsegl#xs#Ehhmrk#Zepyi#Riev0Xivq#erh#Psrk0Xivq

QSRIXM^I#XLI#WMRKPI#JEQMP]#QSVXKEKI#WIVZMGMRK#VMKLXW#+QWV,

• Ex#wxexih#jemv#qevoix#zepyi/#e#wepi#{syph#kirivexi#'5=7qq

• Ywi#'493qq#xs#fy}#fego#53(.#sj#xli#syxwxerhmrk#wleviw#zme#e#Hyxgl#Eygxmsr#Xirhiv#

VIWXVYGXYVI#QSVXKEKI#SVMKMREXMSR#FYWMRIWW

• Wipp#2#Gpswi#epp#pirhmrk#girxivw#xlex#jemp#xs#ievr#gswx#sj#getmxep#ewwyqmrk#jypp}#eppsgexih#

gsvtsvexi#gswxw

• Vihygi#pirhmrk#girxiv#jssxtvmrx#xs#pikeg}#Tegmjmg#Rsvxl{iwx#Vikmsr

• Xevkix#Ijjmgmirg}#Vexms#sj#<;(#mr#534=#zivwyw#==14(#vitsvxih#mr#534;

VIWXVYGXYVI#GSQQIVMGEP#FERO

• Mqtpiqirx#'58qq#gswx#gyxxmrk#tper#� xevkix#88(#Ijjmgmirg}#Vexms#mr#534=

• Gpswi#epp#yrtvsjmxefpi#fvergliw1##Mqtpiqirx#fvergl#tvshygxmzmx}#tvskveq#xs#irwyvi#

viqemrmrk#fvergliw#ievr#gswx#sj#getmxep#ewwyqmrk#jypp}#eppsgexih#gsvtsvexi#gswxw1

• Ipmqmrexi#{ewxijyp#wtirhmrk#� L}hvstperi/#Wiele{ow#fs|/#kspj#xsyvreqirxw/#ixg1

• I|terh#mrxs#G)M#erh#jii#mrgsqi#fywmriww#pmriw

VIEPMKR#MRGIRXMZI#W]WXIQW#XS#IRWYVI#EGGSYRXEFMPMX]

• I|igyxmzi#Qerekiqirx>#viqszi#epp#gsqtirwexmsr#xmih#xs#svmkmrexmsr#zspyqiw?#mrwxmxyxi#

e#gsqtirwexmsr#tper#xmih#xs#XWV/#Ijjmgmirg}#Vexms/#VSE#erh#VSI

• Ywi#vipizerx#tiiv#kvsyt#firglqevomrk#

MRWXMXYXI#FSEVH#SJ#HMVIGXSV#erh#QEREKIQIRX#EGGSYRXEFMPMX]

• Hi0gpewwmj}#Fsevh#+erryep#ipigxmsrw,?#Witevexi#Glemvqer#erh#GIS#vspiw

Wipp#xli#WJ#QWV

Vixyvr#getmxep#xs#wlevilsphivw

Viwxvygxyvi#Qsvxkeki#Svmkmrexmsr#fywmriww

Viwxvygxyvi#xli#Gsqqivgmep#Fero

Viepmkr#mrgirxmzi#w}wxiqw

Qeoi#Fsevh#sj#Hmvigxsvw#erh#qerekiqirx#

eggsyrxefpi

Page 33: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 34: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

67

Wyqqev}LsqiWxviix#Riihw#xs#Fi#Liph#Eggsyrxefpi

Vote The BLUE Proxy Card To Vote "Against" Scott Boggs and Douglas Smith

> LsqiWxviix mw#e#gsqqyrmx}#fero#fewih#mr#Wiexxpi#{mxl#kviex#sttsvxyrmxmiw

– Xivvmjmg#kiskvetlmiw#erh#kvs{xl#sttsvxyrmxmiw

> Wlevilsphivw#lezi#wyjjivih ew#xli#Gsqter}#lew#yrhivtivjsvqih#sr#stivexmrk#qixvmgw#erh#XWV

– LsqiWxviix mw#sri#sj#xli#{svwx#tivjsvqmrk#ferow#mr#xli#gsyrxv}#sr#stivexmsrep#qixvmgw

– LsqiWxviix lew#yrhivtivjsvqih#epp#sj#mxw#tiivw#mr#xli#Tegmjmg#Rsvxl{iwx#erh#Gepmjsvrme/#ew#{ipp#ew#xli#fero#

mrhi|iw#erh#xli#fvseh#qevoix#sr#XWV

> LsqiWxviix lew#vi0rsqmrexih#x{s#psrk0wivzmrk#hmvigxsvw/#hiwtmxi#wivmsyw#mwwyiw#xlex#lezi#sggyvvih#sr#xlimv#{exgl

– Wgsxx#Fskkw>#Pieh#Mrhitirhirx#Hmvigxsv#erh#Glemv#sj#Eyhmx#Gsqqmxxii?#qiqfiv#sj#Fsevh#wmrgi#5345

– Hsyk#Wqmxl>#Glemvqer#sj#xli#Lyqer#Viwsyvgiw#erh#Gsvt#Kszivrergi#Gsqqmxxii#+gsqtirwexmsr#erh#rsqmrexmrk,#

erh#sr#Eyhmx#Gsqqmxxii?#qiqfiv#sj#Fsevh#wmrgi#5345

> Xlivi#evi#qer}#mrhitirhirx#viewsrw#xs#zsxi#EKEMRWX#Qv1#Fskkw#erh#Qv1#Wqmxl

– ]ievw#sj#fywmriww#erh#wxsgo#yrhivtivjsvqergi/#{mxl#rs#eggsyrxefmpmx}

– WIG#jsyrh#wivmsyw#eggsyrxmrk#erh#wigyvmxmiw#pe{#zmspexmsrw/#{lmpi#xli}#{ivi#sr#Eyhmx#Gsqqmxxii

– [if#sj#yrhmwgpswih#hiepmrkw#erh#pserw/#mrgpyhmrk#{mxl#Qv1#Wqmxl�w#jexliv

– I|giwwmzi#gsqtirwexmsr/#wxvygxyvih#tssvp}#erh#temh#mr#gewl

– Wigsrhev}#sjjivmrk#riev#epp0xmqi#lmkl?#wmkrmjmgerx#ievrmrkw#kymhi0hs{r#630he}w#pexiv

– Qermtypexmsr#sj#xli#gsvtsvexi#qeglmriv}#xs#ezsmh#eggsyrxefmpmx}#erh#kemr#ehzerxeki#ex#qiixmrk

Page 35: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

68

Gsrxegx#Mrjsvqexmsr

Fpyi#Pmsr#Getmxep

<448#Tviwxsr#Vseh

Wymxi#883

Heppew/#X\##;8558

Glygo#Kvmiki

glygoDfpyipmsrget1gsq

5470<8805763

Fveh#Fivv}

fvehDfpyipmsrget1gsq

5470<8805763

Nywxmr#Lykliw

NywxmrDfpyipmsrget1gsq

5470<8805763

Page 36: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

69

Jsv#ehhmxmsrep#mrjsvqexmsr#sv#ewwmwxergi#zsxmrk#}syv#wleviw#tpiewi#

gsrxegx#Fpyi#Pmsr#Getmxep*w#tvs|}#wspmgmxsv

533#Fvsehegviw#Hvmzi/#6vh#Jpssv

Fpssqjmiph/#RN 3;336

Wlevilsphivw#Gepp#Xspp#Jvii>#

40 <660;<908849

Iqemp>

FPGDeppmergiehzmwsvwppg1gsq

Page 37: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

6;

Ettirhm|#E

Hmvigx#Viwtsrwi#xs#LQWX�w#Qmwpiehmrk#Gpemqw

Page 38: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 39: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 40: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 41: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 42: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

75

LQWX#Gpemqw#Wizivep#Sj#Syv#Gvmxmuyiw#Evi#QmwpiehmrkWixxmrk#Xli#Vigsvh#Wxvemklx

Teki#7#� LsqiWxviix�w#wxvexikmg#tper#mw#{svomrk

• Sri#sj#xli#{svwx#tivjsvqmrk#tyfpmg#ferow#mr#xli#Y1W1#sziv#tewx#8.#}ievw

• Qmwwih#ievrmrkw#iwxmqexiw#wm|#uyevxivw#mr#e#vs{#

Teki#7#� Fsevh#lew#i|ivgmwih#wsyrh#gsvtsvexi#kszivrergi

• WIG#Mrziwxmkexmsr#mrxs#eggsyrxmrk#zmspexmsrw

• Mqtihih#WIG#mrziwxmkexmsr#erh#jmrih#'833/333

• Rs#sri#liph#eggsyrxefpi

• Yrhmwgpswih#pserw#xs#mrwmhivw#erh#vipexih#tevxmiw

• Ryqivsyw#sxliv#kszivrergi#jempyviw

Teki#7#� Fpyi#Pmsr�w#vigsqqirhih#egxmsrw#{syph#mrgviewi#vmwo

• Wippmrk#xli#QWV#wmqtpmjmiw#xli#fywmriww#A#vihygih#vmwo#erh#iewmiv#xs#yrhivwxerh

• Gyxxmrk#{ewxijyp#i|tirwiw#mr#gsqqivgmep#fero#A#mqtvszih#tivjsvqergi

• Vihygmrk#xli#qsvxkeki#svmkmrexmsr#jssxtvmrx#{syph#epps{#LQWX#xs#gpswi#epp#xli#yrtvsjmxefpi#pirhmrk#girxivw/#qeoi#xli#fywmriww

iewmiv#xs#qereki#erh#vihygi#vmwo1

Teki#7#� LsqiWxviix#ep{e}w#stir#xs#gsrwxvygxmzi#hmepskyi#{mxl#wlevilsphivw

• Srp}#lievh#RS#jvsq#Fsevh#vikevhmrk>###4,#figsqmrk#e#hmvigxsv/#5,#wxvexik}#vigsqqirhexmsrw#ex#qiixmrk#{mxl#fsevh/#6,#rsxmgi#sj

mrxirx#xs#rsqmrexi/#7,#viuyiwx#jsv#wlevilsphiv#pmwx

Teki#7#� Fsevh#mw#wxvsrk#{mxl#lmklp}0uyepmjmih#hmvigxsvw

• Fsevh#mw#irxvirglih

• Qiqfivw#pego#viuymwmxi#womppw#2#LQWX#ehqmxxih#xlex#mxw#eyhmx#gsqqmxxii#hmhr*x#yrhivwxerh#lihki#eggsyrxmrk1

• Zevmsyw#mrxivgsrrigxih#vipexmsrwlmtw#fego#xs#GIS

Page 43: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

76

LQWX#Gpemqw#Wizivep#Sj#Syv#Gvmxmuyiw#Evi#QmwpiehmrkWixxmrk#Xli#Vigsvh#Wxvemklx

Teki#=#� I|terh#Gsqqivgmep#Fero#jewxiv#xler#Qsvxkeki#Fero

• LsqiWxviix#kvi{#mxw#qsvxkeki#liehgsyrx#jvsq#9<9#ex#45264245#xs#e#tieo#sj#4/88<#ex#4U#534;#sv#45;(#sziv#xlex#wizirxiir#

uyevxiv#tivmsh1##

Teki#=#� Hmwgmtpmrih#I|tirwi#Qerekiqirx

• LsqiWxviix#gpemqw#xs#lezi#ijjmgmirg}#xevkixw#mr#fsxl#wikqirxw1##Xli#fero#lew#RIZIV#leh#e#jypp#}iev#ijjmgmirg}#vexms#sj#@#93(#mr#

xli#Gsqqivgmep#Fero#sv#@#<8(#mr#xli#Qsvxkeki#Wikqirx1##Mr#xli#qswx#vigirx#uyevxiv/#xli#Gsqqivgmep#fero#ijjmgmirg}#vexms#{ew#

;6(#erh#xli#Qsvxkeki#wikqirx�w#{ew#434(1

Teki#=#� Ijjmgmirx#Ywi#sj#Getmxep

• LsqiWxviix�w#psrk0xivq#VSXI#sj#B#48(#lew#riziv#fiir#eglmizih#{mxl#xli#i|gitxmsr#sj#5345#erh#xli#firijmx#sj#e#HXE#vizivwep1##

LsqiWxviix#lew#wtirx#B#'683q#sziv#xli#tewx#jmzi#}ievw#sr#Q)E/#fvergl#stirmrkw#erh#pirhmrk#girxiv#stirmrkw#{mxl#pmxxpi#xs#

wls{#jsv#mx1

Teki#=#� Mqtvszi#Ijjmgmirg}#sj#Gsqqivgmep#Fero

• LsqiWxviix�w#ijjmgmirg}#vexms#mw#4533#� 5333#fewmw#tsmrxw#lmkliv#xler#tiivw#hiwtmxi#epp#xli#kvs{xl#mr#mxw#gsqqivgmep#fero#�

izmhirgi#xlex#xli#wxvexik}#jempih1

Teki#43#� Xsxep#Wlevilsphiv#Vixyvr• Wmrgi#mxw#MTS#sr#524525345/#xli#XWV#jsv#LsqiWxviix#mw#478(1##Xli#MTS#{ew#tvmgih#ex#88(#sj#xerkmfpi#fsso#zepyi#mj#xli#HXE#mw#

mrgpyhih1##Jvsq#xli#hexi#sj#xli#MTS#xlvsykl#4526425345/#xli#XWV#mw#446(1##Wmrgi#42425346/#LsqiWxviix�w#XWV#mw#49(1#Wmrgi#mxw#

MTS/#<<(#sj#LQWX*w#XWV#sggyvvih#tvmsv#xs#5346$

Teki#43#� 4#]iev#XWV• LsqiWxviix#ywiw#e#gsrzirmirx#hexi#xs#evxmjmgmepp}#fewipmri#xli#vixyvr1##Ettvstvmexi#hexi#xs#fi#ywih#jsv#qiewyviqirx#mw#

4425324;1##Egxyep#4#� ]iev#XWV#mw#07(#

Teki#43#� Xsxep#Wlevilsphiv#vixyvr• LsqiWxviix#gsrzirmirxp}#sqmxw#er}#tiiv#gsqtevmwsrw1###LsqiWxviix#wmkrmjmgerxp}#yrhivtivjsvqw#mxw#tiivw#jsv#40]iev/#60]iev#

erh#80]iev#XWVw1

Page 44: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

77

LQWX#Gpemqw#Wizivep#Sj#Syv#Gvmxmuyiw#Evi#QmwpiehmrkWixxmrk#Xli#Vigsvh#Wxvemklx

Teki#44#� Wikqirx#Gsvi#Ievrmrkw#Gsrxvmfyxmsr

• Irxmvi#wpmhi#mrgpyhiw#sri0xmqi#firijmxw#pmoi#HXE#vizivwep#mr#5345/#Xe|#Egx#HXP#{vmxi0hs{r#mr#534;#erh#wivmep#yrhiv0tvszmwmsrmrk#

jsv#pser#pswwiw#fyx#i|gpyhiw#i|tirwiw#ewwsgmexih#{mxl#Q)E#erh#i|terwmsr#ijjsvxw

Teki#45#� Wmkrmjmgerx#Tvskviww#mr#LQWX�w#Xverwjsvqexmsr

• I|gpyhmrk#tivjsvqergi#mr#5345#{lmgl#firijmxxih#jvsq#MTS#tvmgih#ex#88(#sj#XFZ#erh#HXE#vizivwep/#LsqiWxviix lew#qehi#ziv}#

pmxxpi#tvskviww1##Wmrgi#5345/#LQWX#lew#xli#ps{iwx#XWV#erh#ps{iwx#T2XFZ#qypxmtpi#sj#er}#tyfpmg#fero#{mxl#ewwixw#B#'#5#fmppmsr#erh

mx#lew#qmwwih#ievrmrkw#kymhergi#9#uyevxivw#mr#e#vs{1#

Teki#46#� I|terwmsr#Wxvexik}

• LsqiWxviix�w#i|terwmsr#wxvexik}#lew#fiir#e#gsqtpixi#jempyvi#jvsq#er#ijjmgmirg}#tivwtigxmzi1##Sr#=25=247/#LQWX#errsyrgih#

xli#eguymwmxmsr#sj#Wmqtpmgmx}#Fergsvt1##Qevo#Qewsr#gpemqih#xlex#xli#eguymwmxmsr#{syph#irefpi#LQWX#xs#lezi#er#ijjmgmirg}#vexms

@#93(#f}#}iev#irh#53481##LQWX�w#ps{iwx#ijjmgmirg}#vexms#wmrgi#xli#hiep#{ew#mr#534;#erh#mx#{ew#;4(

Teki#47#� Fymphmrk#e#Ts{ivjyp#Gsqqivgmep#)#Gsrwyqiv#Fero

• LsqiWxviix�w#Gsqqivgmep#Fero#Viziryiw#erh#Ievrmrkw#evi#hmwxsvxih#f}#kemrw#sr#wepiw#jvsq#gsqqivgmep#viep#iwxexi#pserw#erh#

ps{#pser#psww#tvszmwmsrmrk1##

Teki#49#� LsqiWxviix#lew#Vihygih#Vipmergi#sr#Qsvxkeki#Feromrk

• LsqiWxviix#lew#xli#LMKLIWX#(#sj#Qsvxkeki#Viziryi#2#Xsxep#Viziryi#sj#ER]#fero#mr#xli#gsyrxv}1

Teki#4;#� Erep}wx#Tivgitxmsrw#sj#LsqiWxviix�w#Wxvexik}

• Rsx#e#wmrkpi#erep}wx#xlex#gszivw#LsqiWxviix#lew#e#fy}#vexmrk#sr#xli#wxsgo1

Page 45: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

78

LQWX#Gpemqw#Wizivep#Sj#Syv#Gvmxmuyiw#Evi#QmwpiehmrkWixxmrk#Xli#Vigsvh#Wxvemklx

Teki#53#� Xli#Vmklx#I|tivmirgi#erh#I|tivxmwi

• Pegow#gvihmfmpmx}#sr#mxw#jegi1##Ejxiv#xli#eggsyrxmrk#wgerhep/#LQWX#ehqmxxih#eyhmx#gsqqmxxii#qiqfivw#hmhr�x#yrhivwxerh#lihki#

eggsyrxmrk1##Rs{#IZIV]SRI#sr#Fsevh#lew#Jmrergmepp}#Pmxiveg}#mr#EggsyrxmrkC#

Teki#54#� Xli#Vmklx#Fsevh#jsv#Wlevilsphivw

• LsqiWxviix#gpemqw#hmzivwmx}#mw#e#tvmsvmx}#fyx#mx#vinigxih#syv#hmzivwi#gerhmhexi/#vinigxih#e#qiixmrk#mr#5349#{mxl#e#kvsyt#wiiomrk

xs#tvsqsxi#hmzivwi#gerhmhexiw#erh#rsqmrexih#6#qir#xs#mxw#Fsevh#mr#534<1

Teki#57#� Viwtsrhmrk#xs#534;#Erryep#Qiixmrk

• LQWX#egxyepp}#gpemqw#mx#%wipj0mhirxmjmih%#mxw#eggsyrxmrk#ivvsvw$##E#{lmwxpifps{iv#gsrxegxih#xli#WIG#efsyx#LQWX�w#eggsyrxmrk#

zmspexmsrw#erh#LQWX#mqtihih#xli#mrziwxmkexmsr#erh#�glewih0hs{r�#xli#{lmwxpifps{iv1

Teki#57#� Xli#Wixxpiqirx#Ekviiqirx#Hmh#Rsx#Ehqmx#sv#Hir}#Jeypx

• LQWX#{ew#jmrih#'833/333#jsv#zmspexmrk#eggsyrxmrk#vypiw/#zmspexmrk#xlvii#witevexi#tvszmwmsrw#sj#xli#Wigyvmxmiw#erh#I|glerki#Egx#

erh#jsv#mqtihmrk#xli#mrziwxmkexmsr#f}#�glewmrk0hs{r�#xli#{lmwxpifps{iv1

Teki#59#� Fiwx0Mr0Gpeww#[lmwxpifps{iv#Tvsxigxmsr#Tspmgmiw

• LQWX�w#Kirivep#Gsyrwip#mw#xli#Glmij#Ixlmgw#Sjjmgiv/#Glmij#Gsqtpmergi#Sjjmgiv#erh#mw#xli#vigmtmirx#sj#epp#{lmwxpifps{iv#gsqtpemrxw1##

Li/#sv#wsqisri#vitsvxmrk#xs#lmq/#{ew#mqtpmgexih#mr#xli#WIG#mrziwxmkexmsr#jsv#mqtihmrk#xli#mrziwxmkexmsr/#%glewmrk#hs{r%#xli#

{lmwxpifps{iv#erh#zmspexmrk#{lmwxpifps{iv#wxexyxiw#f}#mrgpyhmrk#mrettvstvmexi#perkyeki#mr#wizivergi#ekviiqirxw1#

Teki#5;#� Gsqtirwexmsr#Tvegxmgiw

• GIS#kixw#temh#47(#qsvi#mr#534;#{lir#tvi0xe|#ievrmrkw#higpmri#5;(#jvsq#5349

• LQWX�w#iqtps}iiw#evi#temh#4=074(#qsvi#xler#tiivw

• VSI#erh#VSE#qixvmgw#evi#ehnywxih#jsv#gsqtirwexmsr#

Teki#5=#� Fpyi#Pmsr�w#Irkekiqirx#Lmwxsv}

• Fpyi#Pmsr#lew#fiir#er#mrziwxsv#mr#LsqiWxviix#wmrgi#mxw#MTS#mr#Jifvyev}#5345#erh#leh#vikypev#hmepskyi#{mxl#xli#Gsqter}#jsv#

qsvi#xler#wm|#}ievw1

Page 46: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

79

LQWX#Gpemqw#Wizivep#Sj#Syv#Gvmxmuyiw#Evi#QmwpiehmrkWixxmrk#Xli#Vigsvh#Wxvemklx

Teki#64#� LsqiWxviix#Lew#Vitiexihp}#Xvmih#xs#[svo#Gsrwxvygxmzip}#[mxl#Fpyi#Pmsr

• LQWX#vinigxih#qsvi#xler#8#}ievw#sj#Fpyi#Pmsr#gsyrwip#vikevhmrk#mxw#stivexmsrw/#vijywih#Fpyi#Pmsr#e#wiex#sr#xlimv#FsH/#gergippih#

e#tvi0evverkih#qiixmrk#ex#xli#JMK#Gsrjivirgi#mr#Neryev}#534</#mrzepmhexih#Fpyi#Pmsr*w#rsxmgi#sj#mrxirx#xs#rsqmrexi#x{s#i|gippirx

Fsevh#gerhmhexiw#erh#vijywih#xs#gsqtp}#{mxl#Fpyi#Pmsr*w#fssow#erh#vigsvh#viuyiwx1

Teki#65#� Vsevmrk#Fpyi#Pmsr�w#Wipigxmzi#Glsmgi#sj#Tivjsvqergi#Tivmsh#Hsiwr�x#Xipp#xli#[lspi#Wxsv}

• [lex#mw#wipigxmzi#efsyx#e#80]iev#XWVC##LQWX*w#9.#}iev#XWV#mw#xvyp}#WIPIGXMZI1##

• Wmrgi#mxw#MTS/#<<(#sj#LQWX*w#XWV#sggyvvih#tvmsv#xs#53461##Rs#{srhiv#LQWX#{erxw#xs#mrgpyhi#xlmw#tivmsh1##

• LQWX�w#higmwmsr#xs#ywi#e#XWV#jvsq#xli#hexi#sj#xli#MTS#mw#qmwpiehmrk#erh#sfjywgexiw#mxw#tssv#tivjsvqergi1

• LQWX#gpemqw#syv#80]iev#tivmsh#fikmrw#riev#�xli#irh#sj#e#tieo#mr#xli#qsvxkeki#g}gpi1�##]ix/#LQWX#kvi{#mxw#qsvxkeki#liehgsyrx#

45;(#ejxiv#xlex#tieo$##Xlivijsvi/#mxw#tssv#tivjsvqergi#mw#e#hmvigx#viwypx#sj#mxw#S[R#tssv#higmwmsr#qeomrk#erh#wxvexik}1##Xlivi#mw#

RS#g}gpmgep#fmew#mr#Fpyi#Pmsr*w#erep}wmw1

Teki#65#� LsqiWxviix�w#Wxvexik}#Mw#Xli#Vmklx#[e}#xs#Mqtvszi#Stivexmsrw#erh#Ehhviww#Syv#Ps{iv#Xvehmrk#

Qypxmtpi#0 Rsx#xli#Jmrergmep#Irkmriivmrk#Qsziw#sj#Vsevmrk#Fpyi#Pmsr

• LQWX#lew#xli#LMKLIWX#gsrgirxvexmsr#sj#qsvxkeki#ew#e#(#sj#xsxep#viziryiw#sj#er}#fero#mr#xli#gsyrxv}1##Ws/#LQWX*w#wxvexik}#sj#

eglmizmrk#fepergi#gpievp}#mwr*x#{svomrk1#Xli#qsvxkeki#wikqirx#lew#pswx#qsri}#7#syx#xli#pewx#8#uyevxivw1

• LQWX�w#wmrkpi#jeqmp}#QWV#mw#zepyih#ex#'5=7q1##]ix#mx#jempw#xs#hmwgpswi#{lex#xlmw#ewwix#ievrw#+i|gpyhmrk#lihkmrk#kemrw2pswwiw,1

Teki#65#� LsqiWxviix�w#Wxvexik}#Mw#Xli#Vmklx#[e}#xs#Mqtvszi#Stivexmsrw#erh#Ehhviww#Syv#Ps{iv#Xvehmrk#

Qypxmtpi#0 Rsx#xli#Jmrergmep#Irkmriivmrk#Qsziw#sj#Vsevmrk#Fpyi#Pmsr

• LsqiWxviix�w#zepyexmsr#hmwtevmx}#lew#{mhirih#wmrgi#5346#{lir#mx#ekkviwwmzip}#kvi{#mxw#qsvxkeki#fywmriww#hiwtmxi#gpemqw#mx#{ew

xv}mrk#xs#vihygi#mxw#vipmergi#sr#qsvxkeki1#

• LsqiWxviix�w#zepyexmsr#hmwtevmx}#mw#e#viwypx#sj#mxw#tssv#tivjsvqergi/#pego#sj#gvihmfmpmx}#tsxirxmepp}#xmih#xs#gsrwmwxirxp}#qmwwmrk#mxw#

s{r#kymhergi#erh#mxw#hmwewxvsyw#wigsrhev}#sjjivmrk#mr#Higiqfiv#53491

• Xli#fpeqi#jsv#LsqiWxviix�w#zepyexmsr#hmwtevmx}#gerrsx#fi#wlmjxih#e{e}#jvsq#qerekiqirx#sv#xli#Fsevh1

Page 47: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

7;

LQWX#Gpemqw#Wizivep#Sj#Syv#Gvmxmuyiw#Evi#QmwpiehmrkWixxmrk#Xli#Vigsvh#Wxvemklx

Teki#65#� LsqiWxviix�w Wxvexik}#Mw#Xli#Vmklx#[e}#xs#Mqtvszi#Stivexmsrw#erh#Ehhviww#Syv#Ps{iv#Xvehmrk#

Qypxmtpi#0 Rsx#xli#Jmrergmep#Irkmriivmrk#Qsziw#sj#Vsevmrk#Fpyi#Pmsr

• LsqiWxviix�w Gsqqivgmep#Fero#{ewr�x#94(#sj#rix#mrgsqi#� mx#{ew#qsvi#xler#433(#sj#rix#mrgsqi#figeywi#xli#qsvxkeki#

wikqirx#pswx#qsri}#mr#534;1

Teki#66#0 Syv#kiskvetlmg#hmzivwmx}#mw#er#ewwix/#rsx#e#pmefmpmx}

• LsqiWxviix�w#i|terwmsr#syxwmhi#sj#mxw#gsvi#qevoixw#sj#[E#erh#SV#lezi#hiwxvs}ih#wlevilsphiv#getmxep1##LQWX#lew#wtirx#sziv#

'683q#sziv#xli#tewx#jmzi#}ievw#sr#Q)E/#hi#rszs#fvergl#stirmrkw#erh#pirhmrk#girxiv#stirmrkw#{mxl#zmvxyepp}#rsxlmrk#xs#wls{#

jsv#mx1

• LQWX�w#stivexmsrw#wxvixgl#egvsww#qsvi#xler#wizir#wxexiw#erh#qsvi#xler#43#gmxmiw1##LQWX�w#yrqerekiefpi#jssxtvmrx#mw#sri#sj#

xli#viewsrw#jsv#mxw#wxyffsvrp}#lmkl#ijjmgmirg}#vexms#mr#fsxl#wikqirxw1

Teki#66#0 LsqiWxviix mw#sr#xli#vmklx#texl#xs#hipmziv#psrk0xivq#wlevilsphiv#zepyi

• Qevo#Qewsr#erh#lmw#vizspzmrk#hssv#qerekiqirx#xieq#lezi#fiir#ex#LQWX#wmrgi#533=$##Ws#{i#evi#mr#xli#43xl#}iev#sj#xli#

xyvrevsyrh1

• Xli#tssv#stivexmsrep#vixyvrw#erh#tssv#wlevilsphiv#vixyvrw#sziv#8.#}ievw#mw#gpiev#izmhirgi#xlex#GLERKI#mw#rigiwwev}#erh#

viuymvih1

Teki#66#0 LsqiWxviix�w gsqtirwexmsr#tvskveq#mw#epmkrih#{mxl#psrk0xivq#tivjsvqergi#erh#mr0pmri#{mxl#

mrhywxv}#wxerhevhw

• LQWX�w#gsqtirwexmsr#tvskveqw#evi#gsqtpixip}#jpe{ih#figeywi#sj#xlimv#hiwmkr1

• Ew#Glemv#sj#xli#LVGK#gsqqmxxii/#Hsyk#Wqmxl*w#gsqtirwexmsr#tspmgmiw#lezi#jempih#wlevilsphivw1#

• LQWX#iqtps}iiw#evi#temh#4=074(#qsvi#xler#tiivw#hiwtmxi#wmkrmjmgerx#yrhivtivjsvqergi1

Page 48: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

7<

LQWX#Gpemqw#Wizivep#Sj#Syv#Gvmxmuyiw#Evi#QmwpiehmrkWixxmrk#Xli#Vigsvh#Wxvemklx

Teki#67#0 Xli#WIG#wixxpiqirx#mwwyi#lew#fiir#ehhviwwih#erh#Vsevmrk#Fpyi#Pmsr�w#glevegxivm~exmsr#sj#mxw#

mqtpmgexmsrw#mkrsviw#xli#jegxw

• LQWX#zmspexih#xlvii#Wigyvmxmiw#erh#I|glerki#Egx#pe{w

• LQWX#zmspexih#eggsyrxmrk#vypiw#jsv#xlvii#}ievw#erh#rs#sri#sr#xli#eyhmx#gsqqmxxii#yrhivwxssh#{l}

• LQWX#mqtihih#xli#WIG�w#mrziwxmkexmsr#mrxs#xli#qexxiv

• LQWX#{ew#jmrih#'833/333#erh#kmzir#e#giewi#erh#hiwmwx#svhiv#f}#xli#WIG

• LQWX#liph#RS#SRI#eggsyrxefpi#

• LQWX*w#wxekkivih#Fsevh#tvizirxih#wlevilsphivw#jvsq#lsphmrk#xli#jypp#eyhmx#gsqqmxxii#eggsyrxefpi#mr#534;1

Page 49: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

7=

Ettirhm|#F

Ehhmxmsrep#Mrjsvqexmsr#Efsyx#LQWX�w#Yrhmwgpswih#Pser#

xs##Ksvhsr#Wqmxl�w#Gsqter}

Page 50: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 51: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas
Page 52: Presentation to HomeStreet Shareholders.edgarize · 4; 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Scott Boggs [Associated with HomeStreet since 2006] Douglas

85

MQTSVXERX#EHHMXMSREP#MRJSVQEXMSR#ERH#[LIVI#XS#JMRH#MX

Sr#Etvmp#58/#534</#Fpyi#Pmsr#Sttsvxyrmx}#Qewxiv#Jyrh/#P1T1#erh#xli#sxliv#tevxmgmterxw#mhirxmjmih#fips{#+�FPG�,#jmpih#e#

hijmrmxmzi#tvs|}#wxexiqirx#sr#Wglihypi#47E#erh#jsvq#sj#ewwsgmexih#FPYI#tvs|}#gevh#{mxl#xli#Wigyvmxmiw#erh#

I|glerki#Gsqqmwwmsr#+�WIG�,#mr#gsrrigxmsr#{mxl#xli#wspmgmxexmsr#sj#tvs|miw#jsv#xli#534<#Erryep#Qiixmrk#sj#

Wlevilsphivw#sj#LsqiWxviix/#Mrg1#+xli#�Hijmrmxmzi#Tvs|}#Wxexiqirx�,1 Xli#jspps{mrk#tivwsrw#qe}#fi#hiiqih#xs#fi#

tevxmgmterxw#mr#xli#wspmgmxexmsr#jvsq#wlevilsphivw#sj#LsqiWxviix/#Mrg1#+�LsqiWxviix�,#sj#tvs|miw#xs#zsxi#�EKEMRWX�#

xli#ipigxmsr#sj#Wgsxx#Q1#Fskkw#erh#Hsykpew#M1#Wqmxl#ew#hmvigxsvw#sj#LsqiWxviix/#erh#xs#zsxi#�EKEMRWX�#xli#ettvszep#

sr#er#ehzmwsv}#+rsr0fmrhmrk,#fewmw#sj#xli#gsqtirwexmsr#sj#LsqiWxviix�w#reqih#i|igyxmzi#sjjmgivw>#Fpyi#Pmsr#

Sttsvxyrmx}#Qewxiv#Jyrh/#P1T1/#Vsevmrk#Fpyi#Pmsr/#PPG/#Vsevmrk#Fpyi#Pmsr#Getmxep#Qerekiqirx/#P1T1/#FPSJ#MM/#PT/#Fpyi#

Pmsr#Getmxep#Qewxiv#Jyrh/#P1T1/#Glevpiw#[1#Kvmiki/#Nv1/#erh#Vsreph#O1#Xeriqyve1 Xli#tevxmgmterxw#qe}#lezi#mrxiviwxw#

mr#xli#wspmgmxexmsr/#mrgpyhmrk#ew#e#viwypx#sj#lsphmrk#wleviw#sj#LsqiWxviix�w#gsqqsr#wxsgo/#erh#mrjsvqexmsr#vikevhmrk#

xli#Tevxmgmterxw#erh#xlimv#mrxiviwxw#qe}#fi#jsyrh#mr#xli#Hijmrmxmzi#Tvs|}#Wxexiqirx1

Wlevilsphivw#evi#yvkih#xs#vieh#xli#Hijmrmxmzi#Tvs|}#Wxexiqirx#erh#FPYI#tvs|}#gevh/#erh#er}#wyttpiqirxw#xlivixs/#

figeywi#xli}#gsrxemr#mqtsvxerx#mrjsvqexmsr#efsyx#FPG/#xli#tvstswepw#fimrk#zsxih#sr#ex#xli#534<#Erryep#Qiixmrk#sj#

Wlevilsphivw#sj#LsqiWxviix/#LsqiWxviix#erh#vipexih#qexxivw1 Xli#Hijmrmxmzi#Tvs|}#Wxexiqirx#mw#jmvwx#fimrk#wirx#xs#

xli#wlevilsphivw#sj#LsqiWxviix#sr#sv#efsyx#Etvmp#58/#534<#erh#mw#eggsqtermih#f}#e#FPYI#tvs|}#gevh1 Wlevilsphivw#

qe}#sfxemr#e#jvii#gst}#sj#xli#Hijmrmxmzi#Tvs|}#Wxexiqirx#erh#FPYI#tvs|}#gevh#erh#sxliv#vipizerx#hsgyqirxw#jmpih#

{mxl#xli#WIG#f}#FPG#ex#xli#WIG�w#{if#wmxi#ex#{{{1wig1ksz sv#FPG�w#{ifwmxi#ex#lxxtw>22{{{1liptjm|lqwx1gsq ew#wssr#

ew#viewsrefp}#tvegxmgefpi#ejxiv#wygl#qexivmepw#evi#ipigxvsrmgepp}#jmpih#{mxl/#sv#jyvrmwlih#xs/#xli#WIG1

HMWGPEMQIV