We may experience future financial losses due to a number of factors, including but not limited to: •the risk that financial stress on our borrowers will lead to loan defaults at a rate that is higher than we anticipate; •the risk that loans that were modified due to the pandemic and not accounted for as troubled debt restructurings, and on which we continued to accrue interest, will ultimately default, requiring us to reverse related interest income and incur losses; •a further decline in business activity causing decreased demand for our loans and other banking services, which may reduce related income and fees; •further increases in our allowance for loan losses to reflect greater risks of losses; •decreases in income resulting from deferrals of loan payments, increases in loan modifications, and waivers or reductions in ATM, overdraft, interchange and other fees; •reductions in collateral values from their values when the loans were made; •lower market interest rates, which have an adverse impact on our variable rate loans and reduce our interest income; •potential impairment of goodwill; •increased litigation risk from customers and non-customers that approach the Company regarding receiving PPP loans and do not receive the loan they requested; •the risk that the SBA will not guarantee the PPP loans we originate if it determines that there is a deficiency in the manner in which any PPP loan was originated, funded, or serviced by us; •the risk of holding PPP loans at unfavorable interest rates and on terms that are less than favorable than other types of loans, and the Company’s ability to pursue available remedies in the event of a loan default of PPP loans; •increased instability in our deposit base; •the risk that economic conditions may prevent the completion of any of our planned acquisitions; •an increase in costs for additional cleaning, supplies and technology as we work to operate our branches in accordance with the health and safety guidelines imposed due to the pandemic; •increased cyber and payment fraud risk, as cybercriminals attempt to profit from the disruption, given increased online and remote activity; •third party disruptions, including outages at network providers and other suppliers; and •lack of availability of employees due to illness.