A number of factors could affect the Company’s ability to successfully combine its business with Mainland, including the following: • the potential for unexpected costs, delays and challenges that may arise in integrating the acquisition into the Company’s existing business; • unexpected obstacles to the Company’s ability to realize the expected cost savings and synergies from the acquisition; • the Company’s ability to retain key employees and maintain relationships with significant customers and depositors of the acquired business; • diversion of management’s attention and resources during integration efforts; • challenges related to operating at new locations and in a new State; and • discovery following the acquisition of previously unknown liabilities associated with the acquired business.