Forward-Looking Statements updated
· changes in estimates of future loan loss reserve requirements based upon the periodic review thereof under
relevant regulatory and accounting requirements;
· the integration of the Bank’s recent FDIC-assisted acquisitions may present unforeseen challenges;
· inflation, interest rate, securities market and monetary fluctuations;
· the timely development and acceptance of new banking products and services and perceived overall value of
these products and services by users;
· changes in consumer spending, borrowing and saving habits;
· technological changes;
· the ability to increase market share and control expenses;
· continued volatility in the credit and equity markets and its effect on the general economy; and
· the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as
well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board and other
accounting standard setters;
· the businesses of the Bank and any acquisition targets or merger partners and subsidiaries not integrating
successfully or such integration being more difficult, time-consuming or costly than expected;
· material differences in the actual financial results of merger and acquisition activities compared with
expectations, such as with respect to the full realization of anticipated cost savings and revenue enhancements
within the expected time frame;
· revenues following any merger being lower than expected; and
· deposit attrition, operating costs, customer loss and business disruption following the merger, including, without
limitation, difficulties in maintaining relationships with employees being greater than expected.
These forward-looking statements are subject to significant uncertainties and contingencies, many of which are
beyond our control. Although we believe that the expectations reflected in the forward-looking statements are
reasonable, we cannot guarantee future results, levels of activity, performance or achievements. Accordingly, there
can be no assurance that actual results will meet expectations or will not be materially lower than the results
contemplated in this presentation. You are cautioned not to place undue reliance on these forward-looking
statements, which speak only as of the date of this document or, in the case of documents referred to or incorporated
by reference, the dates of those documents. We do not undertake any obligation to release publicly any revisions to
these forward-looking statements to reflect events or circumstances after the date of this document or to reflect the
occurrence of unanticipated events, except as may be required under applicable law.
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