CAUTIONARY STATEMENT Information provided herein contains “forward-looking statements” with respect to the Company’s financial condition, results of operations and business. These forward- looking statements involve certain risks and uncertainties and are based on the beliefs and assumptions of management and information available at the time that this presentation was prepared. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include: (1) general economic or business conditions may be less favorable than expected; (2) changes in interest rates may reduce net interest margins and/or the volumes and values of loans made or held, as well as the value of other financial assets; (3) competitive pressures among depository and other financial institutions may increase significantly; (4) legislative or regulatory changes may adversely affect the Company’s business; (5) local, state or federal taxing authorities may take adverse tax positions; (6) adverse changes may occur in the securities markets; and (7) competitors may have greater financial resources and develop products that enable them to compete more successfully than the Company. Accordingly, any forward-looking statements included herein do not purport to be predictions of future events or circumstances and may not be realized. Factors that might cause such a difference, include, but are not limited to, those discussed in periodic filings with the SEC. | 
