Forward Looking Statements
This presentation contains statements about future events that constitute forward-
looking statements within the meaning of the Section 27A of the Securities Act of
1933 and Section 21E of the Securities Exchange Act of 1934. Such forward-
looking statements may be identified by reference to a future period or periods, or
by the use of forward- looking terminology, such as “may,” “will,” “believe,”
“expect,” or similar terms or variations on those terms, or the negative of those
terms. Forward-looking statements are subject to numerous risks and
uncertainties, including, but not limited to, those risks previously disclosed in the
Company’s filings with the SEC, general economic conditions, changes in interest
rates, regulatory considerations, competition, technological developments,
retention and recruitment of qualified personnel, and market acceptance of the
Company’s pricing, products and services, and with respect to the loans extended
by the Bank and real estate owned, the following: risks related to the economic
environment in the market areas in which the Bank operates, particularly with
respect to the real estate market in New Jersey; the risk that the value of the real
estate securing these loans may decline in value; and the risk that significant
expense may be incurred by the Company in connection with the resolution of
these loans. The Company wishes to caution readers not to place undue reliance
on any such forward-looking statements, which speak only as of the date made.
The Company does not undertake and specifically declines any obligation to
publicly release the result of any revisions that may be made to any forward-
looking statements to reflect events or circumstances after the date of such
statements or to reflect the occurrence of anticipated or unanticipated events.
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