Investor Presentaiton
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Disclosures and Disclaimers (continued)
a reduction in liquidity, including as a result of a reduction in the amount of deposits we hold or other sources of liquidity;
ongoing disruptions in the oil and gas industry due to the significant fluctuations in the price of oil and natural gas;
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data processing system failures and errors;
cyberattacks and other security breaches; and
hurricanes, tropical storms, tropical depressions, floods, winter storms, and other adverse weather events, all of which have affected Investar's market areas from time to time; other natural
disasters; oil spills and other man-made disasters; acts of terrorism, an outbreak or intensifying of hostilities including the war in Ukraine or other international or domestic calamities, acts
of God and other matters beyond our control.
These factors should not be construed as exhaustive. Additional information on these and other risk factors can be found in Item 1A. "Risk Factors" and in the "Special Note Regarding
Forward-Looking Statements" in Item 7. "Management's Discussion and Analysis of Financial Condition and Results of Operations" in Investar's Annual Report on Form 10-K for the year
ended December 31, 2022 filed with the Securities and Exchange Commission (the "SEC").
INVESTAR
HOLDING CORPORATION
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