Shareowners’ Meeting 2022
This presentation includes forward-looking statements, including statements about future results. These statements are subject to uncertainties and risks, including, but not limited to legislative or regulatory changes, including the Dodd-Frank Act; the strength of the U.S. economy and the local economies where the Company conducts operations; the accuracy of the Company's financial statement estimates and assumptions, including the estimate for the Company's loan loss provision; the frequency and magnitude of foreclosure of the Company's loans; continued depression of the market value of the Company that could result in an impairment of goodwill; restrictions on our operations, including the inability to pay dividends without our regulators' consent; the effects of the health and soundness of other financial institutions, including the FDIC's need to increase Deposit Insurance Fund assessments; our ability to declare and pay dividends; the effects of the Company's lack of a diversified loan portfolio, including the risks of geographic and industry concentrations; harsh weather conditions and man-made disasters; fluctuations in inflation, interest rates, or monetary policies; changes in the stock market and other capital and real estate markets; customer acceptance of third-party products and services; increased competition and its effect on pricing; technological changes; the effects of security breaches and computer viruses that may affect the Company's computer systems; changes in consumer spending and savings habits; the Company's growth and profitability; changes in accounting; the Company's ability to integrate acquisitions; and the Company's ability to manage the risks involved in the foregoing. These factors, as well as additional factors can be found in the Company's Annual Report on Form 10-Kfor the fiscal year ended December 31, 2021, as updated in the Company's Quarterly Reports on Form 10-Q, and the Company's other filings with the SEC, which are available at the SEC's internet site (http://www.sec.gov/). Forward-looking statements in this presentation speak only as of the date of these materials, and the Company assumes no obligation to update forward-looking statements or the reasons why actual results could differ.