| (c) Copyright Statement 2 Forward - Looking Statements This presentation contains “forward - looking statements” within the meaning of the Private Securities Litigation Reform Act of 19 95. Forward - looking statements contain words such as “anticipate,” “believe,” “can,” “would,” “should,” “could,” “may,” “predict,” “seek,” “potential,” “will,” “estimate, ” “ target,” “plan,” “project,” “continuing,” “ongoing,” “expect,” “intend” or similar expressions that relate to the Company’s strategy, plans or intentions. Forward - looking statements involve c ertain important risks, uncertainties and other factors, any of which could cause actual results to differ materially from those in such statements. Such factors include, wi tho ut limitation, the “Risk Factors” referenced in our most recent Form 10 - K filed with the Securities and Exchange Commission (SEC), other risks and uncertainties listed from time to time in our reports and documents filed with the SEC, and the following factors: ability to obtain regulatory approvals and meet other closing conditions to the merger on th e expected terms and schedule; delay in closing the merger; difficulties and delays in integrating the NBHC and Bancshares of Jackson Hole Incorporated businesses or fully r eal izing cost savings and other benefits; business disruption following the proposed transaction, ability to execute our business strategy; business and economic conditions; ef fec ts of any potential government shutdowns; economic, market, operational, liquidity, credit and interest rate risks associated with the Company’s business; effects of a ny changes in trade, monetary and fiscal policies and laws; changes imposed by regulatory agencies to increase capital standards; effects of inflation, as well as, interest rate, sec urities market and monetary supply fluctuations; changes in the economy or supply - demand imbalances affecting local real estate values; changes in consumer spending, borrowings and savings habits; with respect to our mortgage business, the inability to negotiate fees with investors for the purchase of our loans or our obligation to indemnif y p urchasers or repurchase related loans; the Company’s ability to identify potential candidates for, consummate, integrate and realize operating efficiencies from, acquis iti ons, consolidations and other expansion opportunities; the Company's ability to realize anticipated benefits from enhancements or updates to its core operating syste ms from time to time without significant change in client service or risk to the Company's control environment; the Company's dependence on information technology and telecommu nic ations systems of third party service providers and the risk of systems failures, interruptions or breaches of security; the Company’s ability to achieve organic l oan and deposit growth and the composition of such growth; changes in sources and uses of funds; increased competition in the financial services industry; the effect of changes in accounting policies and practices; the share price of the Company’s stock; the Company's ability to realize deferred tax assets or the need for a valuation allowance; the ef fects of tax legislation, including the potential of future increases to prevailing tax rates, or challenges to our position; continued consolidation in the financial services in dus try; ability to maintain or increase market share and control expenses; costs and effects of changes in laws and regulations and of other legal and regulatory developments; techno log ical changes; the timely development and acceptance of new products and services, including in the digital technology space our digital solution 2UniFi; the Company’s co ntinued ability to attract, hire and maintain qualified personnel; ability to implement and/or improve operational management and other internal risk controls and processe s a nd reporting system and procedures; regulatory limitations on dividends from the Company's bank subsidiary; changes in estimates of future credit reserve require men ts based upon the periodic review thereof under relevant regulatory and accounting requirements; widespread natural and other disasters, pandemics, dislocations, polit ica l instability, acts of war or terrorist activities, cyberattacks or international hostilities; a cyber - security incident, data breach or a failure of a key information technology s ystem; adverse effects due to the novel Coronavirus Disease 2019 (COVID - 19) on the Company and its clients, counterparties, employees, and third - party service providers, and the ad verse impacts on our business, financial position, results of operations, and prospects; impact of reputational risk; and success at managing the risks involved in th e f oregoing items. The Company can give no assurance that any goal or plan or expectation set forth in forward - looking statements can be achieved and readers are cautioned not to place undue reliance on such statements. The forward - looking statements are made as of the date of this press release, and the Company does not intend, and a ssumes no obligation, to update any forward - looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occ urrence of unanticipated events or circumstances, except as required by applicable law. |
