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<PAGE> EXHIBIT 23.5 INDEPENDENT AUDITORS' CONSENT We consent to the incorporation by reference in this Registration Statement of Washington Mutual, Inc. on Form S-4 of our report dated February 9, 1999, appearing in the Annual Report on Form 10-K of Bank United Corp. for the year ended September 30, 1998. /s/ PAYNE FALKNER SMITH & JONES, P.C. Dallas, Texas October 2, 2000
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