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VersaBank Capital/Financing Update 2024

Oct 31, 2024

47151_rns_2024-10-31_2c03f6b5-765b-435a-ac78-b3a655e872a5.pdf

Capital/Financing Update

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FORM 51-102F3 MATERIAL CHANGE REPORT

Item 1 Name and Address of Company

VersaBank 2002 – 140 Fullarton Street London, Ontario N6A 5P2

Item 2 Date of Material Change

October 31, 2024

Item 3 News Release

A news release describing the material change was issued on September 25, 2024 through the facilities of Canada News Wire and subsequently filed on SEDAR+.

Item 4 Summary of Material Change

VersaBank (the “Bank”) announced that it intends to redeem all outstanding Noncumulative 5-Year Rate Reset Preferred Shares, Series 1 (Non-Viability Contingent Capital (NVCC)) ("Series 1 Preferred Shares") of the Bank on October 31, 2024 (the “Redemption Date”).

Item 5 Full Description of Material Change

5.1 Full Description of Material Change

VersaBank redeemed all outstanding Series 1 Preferred Shares of the Bank on October 31, 2024 at a price equal to $10.00 per share (the “Redemption Price”) together with all declared and unpaid dividends to the Redemption Date. Dividends were paid separately from the Redemption Price.

The redemption was approved by the Office of the Superintendent of Financial Institutions and was financed out of the general funds of the Bank.

5.2 Disclosure for Restructuring Transactions

Not Applicable

  • 2 -

Item 6 Reliance on subsection 7.1(2) of National Instrument 51-102

Not Applicable.

Item 7 Omitted Information

Not Applicable.

Item 8 Executive Officer

For further information, please contact:

David Taylor President & Chief Executive Officer Telephone No: (519) 675-4216

Item 9 Date of Report

October 31, 2024