Office Loans Investment and Deposit Portfolio Analysis
Forward-Looking Statement
Northeast
BANK
Statements in this presentation that are not historical facts are forward-looking statements within the meaning of
Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as
amended, and are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act
of 1995. Although the Bank believes that these forward-looking statements are based on reasonable estimates and
assumptions, they are not guarantees of future performance and are subject to known and unknown risks,
uncertainties, and other factors. You should not place undue reliance on our forward-looking statements. You should
exercise caution in interpreting and relying on forward-looking statements because they are subject to significant
risks, uncertainties and other factors which are, in some cases, beyond the Bank's control. The Bank's actual results
could differ materially from those projected in the forward-looking statements as a result of, among other factors,
changes in general business and economic conditions on a national basis and in the local markets in which the Bank
operates, including changes which adversely affect borrowers' ability to service and repay loans; changes in customer
behavior due to political, business and economic conditions, including inflation and concerns about liquidity;
turbulence in the capital and debt markets; reductions in net interest income resulting from interest rate volatility as
well as changes in the balances and mix of loans and deposits; changes in interest rates and real estate values;
changes in loan collectability and increases in defaults and charge-off rates; decreases in the value of securities and
other assets, adequacy of loan loss reserves, or deposit levels necessitating increased borrowing to fund loans and
investments; changing government regulation; competitive pressures from other financial institutions; changes in
legislation or regulation and accounting principles, policies and guidelines; cybersecurity incidents, fraud, natural
disasters, and future pandemics; the risk that the Bank may not be successful in the implementation of its business
strategy; the risk that intangibles recorded in the Bank's financial statements will become impaired; changes in
assumptions used in making such forward-looking statements; and the other risks and uncertainties detailed in the
Bank's Annual Report on Form 10-K and updated by our Quarterly Reports on Form 10-Q and other filings submitted
to the FDIC. These statements speak only as of the date of this release and the Bank does not undertake any
obligation to update or revise any of these forward-looking statements to reflect events or circumstances occurring
after the date of this communication or to reflect the occurrence of unanticipated events.
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