| Forward-Looking Statements
This presentation contains “forward-looking statements” within the meaning of the Private
Securities Litigation Reform Act of 1995. 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 certain important risks, uncertainties and other factors, any of which could
cause actual results to differ materially from those in such statements. Such factors include,
without 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: difficulties in
integrating the NBHC, Community Bancorporation, Bancshares of Jackson Hole Incorporated,
or Cambr Solutions, LLC businesses or fully realizing cost savings and other benefits; business
disruption following the mergers; ability to execute our business strategy (including our digital
strategy); business and economic conditions; effects of any potential government shutdowns;
economic, market, operational, liquidity, credit and interest rate risks associated with the
Company’s business; effects of any 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, securities 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
indemnify purchasers or repurchase related loans; the Company’s ability to identify potential
candidates for, consummate, integrate and realize operating efficiencies from, acquisitions,
consolidations and other expansion opportunities; the Company's ability to realize anticipated
benefits from enhancements or updates to its core operating systems 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 telecommunications systems of third-party service providers and the risk of systems failures, interruptions or breaches of security;
the Company’s ability to achieve organic loan 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 effects of tax legislation, including the potential of future increases to
prevailing tax rules, or challenges to our positions; continued consolidation in the financial
services industry; 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;
technological changes; the timely development and acceptance of new products and services,
including in the digital technology space our digital solution 2UniFi; the Company’s continued
ability to attract, hire and maintain qualified personnel; ability to implement and/or improve
operational management and other internal risk controls and processes and reporting system
and procedures; regulatory limitations on dividends from our bank subsidiaries; changes in
estimates of future credit reserve requirements based upon the periodic review thereof under
relevant regulatory and accounting requirements; widespread natural and other disasters,
pandemics, dislocations, political instability, acts of war or terrorist activities, cyberattacks or
international hostilities; a cybersecurity incident, data breach or a failure of a key information
technology system; impact of reputational risk; and success at managing the risks involved in
the foregoing 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 assumes 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 occurrence of unanticipated events or circumstances,
except as required by applicable law.
Further Information: This presentation should be read together with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and the consolidated financial statements and the related notes thereto
included in our Form 10-K and quarterly reports 2 |