PB Bankshares Results Presentation Deck
Disclaimers (continued)
IP
You should not place undue reliance on any forward-looking statement and should carefully consider the risks and
other factors that Presence Bank faces, including, but not limited to (i) changes in general business, industry or
economic conditions or competition; (ii) changes in any applicable law, rule, regulation, policy, guideline or practice
governing or affecting bank holding companies and their subsidiaries or with respect to tax or accounting principles
or otherwise; (iii) adverse changes or conditions in capital and financial markets; (iv) the adverse impact on the U.S.
economy, including the markets in which we operate, of COVID-19; (v) changes in interest rates and inflation; (vi) the
inability to realize expected cost savings or achieve other anticipated benefits in connection with business
combinations and other acquisitions; (vii) changes in the quality or composition of our loan and investment
portfolios; (viii) adequacy of loan loss reserves; (ix) increased competition; (x) loss of certain key officers; (xi)
continued relationships with major customers; (xii) deposit attrition; (xiii) rapidly changing technology; (xiv)
unanticipated regulatory or judicial proceedings and liabilities and other costs; (xv) changes in the cost of funds,
demand for loan products or demand for financial services; (xvi)severe weather, acts of terrorism, an outbreak of
hostilities or other geopolitical events, or the anticipation of such events; (xvii) other economic, competitive,
governmental or technological factors affecting our operations, markets, products, services and prices; and (xvii) our
success at managing the foregoing items. Except as otherwise indicated, this presentation speaks only as of the
date hereof. The delivery of this presentation shall not, under any circumstances, create any implication that there
has been no change in the affairs of Presence Bank after the date hereof. This presentation does not purport to
contain all the information that may be required to evaluate the securities, and you should conduct and rely upon
your own independent analysis of PB BANKSHARES, INC and the data contained or referred to herein.
PRESENCEBANK.COM
PRESENCE
ΒΑΝΚ
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