16 unchanged sentences
and subsidiaries (the “Company”) as of September 30, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).
−Removed: Because management’s assessment and our audit were conducted to meet the reporting requirements of Section 112 of the Federal Deposit Insurance Corporation Improvement Act (FDICIA), management’s assessment and our audit of the Company’s internal control over financial reporting included controls over the preparation of the schedules equivalent to the basic financial statements in accordance with the instructions for the Office of the Comptroller of the Currency Instructions for Call Reports for Balance Sheet on schedule RC, Income Statement on schedule RI, and Changes in Bank Equity Capital on schedule RI-A.
+Added: Because management's assessment and our audit were conducted to meet the reporting requirements of Section 112 of the Federal Deposit Insurance Corporation Improvement Act (FDICIA), management's assessment and our audit of the Company's internal control over financial reporting included controls over the preparation of the schedules equivalent to the basic financial statements in accordance with the instructions for the Office of the Comptroller of the Currency Instructions for Call Reports for Balance Sheet on schedule RC, Income Statement on schedule RI, and Changes in Company Equity Capital on schedule RI-A.
In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of September 30, 2024, based on criteria established in Internal Control — Integrated Framework (2013) issued by COSO.
20 unchanged sentences
Other Information
+Added: Rule 10b5-1 Plan and Non-Rule 10b5-1 Trading Arrangement Adoptions, Terminations, and Modifications
+Added: During the three months ended September 30, 2024, none of the Company’s directors or “officers” (as defined in Rule 16a-1(f) under the Exchange Act) adopted or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408 of SEC Regulation S-K.
Disclosure Regarding Foreign Jurisdictions that Prevent Inspections
7 unchanged sentences
• Delinquent Section 16 Reports
+Added: Code of Ethics
The Company has adopted a code of ethics that applies to all senior financial officers, including its Chief Executive Officer and Chief Financial Officer.
−Removed: The code of ethics is publicly available on the Company’s website under "Investor Relations" at www.wafdbank.com .
+Added: The code of ethics is publicly available on the Company’s website under "Investor Relations - Corporate Governance" at www.wafdbank.com .
If the Company makes any substantive amendments to the code of ethics or grants any waiver from a provision of the code, it will disclose the nature of such amendment or waiver on its website or in a report on Form 8-K.
+Added: Insider Trading Policy
+Added: The Company has adopted insider trading policies and procedures governing the purchase, sale, and/or other dispositions of the Company’s securities by directors, officers and employees, or the Company itself, that are reasonably designed to promote compliance with insider trading laws, rules and regulations, and any listing standards applicable to the Company.
+Added: A copy of the Company’s Trading Policy has been filed as Exhibit 19.1 to this Annual Report on Form 10-K.
Executive Compensation
1 unchanged sentence
Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters
−Removed: The information required by this item will be set forth in the 2023 Proxy Statement under the caption "Security Ownership of Certain Beneficial Owners and Management" and is incorporated herein by reference.
−Removed: Additional information about stock options and other equity compensation plans is included in Note P to the Consolidated Financial Statements in "Item 8.
+Added: The information required by this item will be set forth in the 2024 Proxy Statement under the caption "Security Ownership of Certain Beneficial Owners and Management" and "Equity Compensation Plan Information" and is incorporated herein by reference.
+Added: Additional information about stock options and other equity compensation plans is included in Note Q to the Consolidated Financial Statements in "Item 8.
Financial Statements and Supplementary Data" of this report.
24 unchanged sentences
Amendment to WaFd Bank Deferred Compensation Plan *
+Added: Agreement for the Purchase and Sale of Loans between Washington Federal Bank and Bank of America, National Association
+Added: Amendment No.
+Added: 1 to Agreement for the Purchase and Sale of Loans between Washington Federal Bank and Bank of America, National Association
+Added: Trading Policy
Subsidiaries of the Company - Reference is made to Item 1, “Business - Subsidiaries” for the required information
10 unchanged sentences
(1) Incorporated by reference from the Registrant's Form 10-K filed with the SEC on November 17, 2023.
+Added: (2) Incorporated by reference from the Registrant's Form 10-K filed with the SEC on November 19, 2021.
(3) Incorporated by reference from the Registrant's Form 8-K filed with the SEC on February 8, 2021.
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(8) Incorporated by reference from the Registrant's Form 8-K filed with the SEC on February 17, 2023.
+Added: (9) Incorporated by reference from the Registrant's Form 8-K filed with the SEC on May 17, 2024.
+Added: (10) Incorporated by reference from the Registrant's Form 10-Q filed with the SEC on August 2, 2024.
Form 10-K Summary
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Hampel, Director
+Added: /s/ Bradley M.
+Added: Shuster November 20, 2024
+Added: Shuster, Director
Steven Singh November 20, 2024
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Singleton, Director
−Removed: Tabbutt November 17, 2023
−Removed: Tabbutt, Director
/s/ Randall H.
1 unchanged sentence
Talbot, Director
+Added: Max Yzaguirre
+Added: November 20, 2024
+Added: Max Yzaguirre, Director
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.