and operations, actual events, results, or developments may differ materially from those expressed or implied in forward-looking statements due to a number of risks and uncertainties. Factors which could affect actual results include economic conditions in the Company’s market area, interest rate fluctuations, the impact of competitive products, services and pricing, loan delinquency rates, and the legislative and regulatory changes affecting the banking industry. Certain risks and uncertainties which could affect the Company are discussed in the Risk Factors section of this Report and from time to time in the filings made by the Company with the Securities and Exchange Commission, including cautionary statements regarding the forward-looking information in such filings. These risks and uncertainties should be considered in evaluating the forward-looking statements, and undue reliance should not be placed on such statements. The Company shall not be responsible to update any such forward-looking statements.