Ion Bank Announces Completion of Merger with Lincoln 1st Bank - Seite 2

Forward-Looking Statements

This press release contains statements that may be considered forward-looking statements within the meaning of Section 27A of the Securities Act of 1933. These forward-looking statements are intended to be covered by the safe harbor provisions of the Private Securities Litigation Reform Act of 1995, and this statement is included for purposes of complying with these safe harbor provisions. Readers should not place undue reliance on such forward-looking statements, which speak only as of the date made. These forward-looking statements are based on current plans and expectations, which are subject to a number of risk factors and uncertainties that could cause future results to differ materially from historical performance or future expectations. These differences may be the result of various factors, including, among others: (1) costs or difficulties related to the integration of the business following the merger; (2) the risk that the anticipated benefits, cost savings and any other savings from the transaction may not be fully realized or may take longer than expected to realize; (3) changes in general business, industry or economic conditions or competition; (4) changes in any applicable law, rule, regulation, policy, guideline or practice governing or affecting financial holding companies and their subsidiaries or with respect to tax or accounting principles or otherwise; (5) adverse changes or conditions in the capital and financial markets; (6) changes in interest rates or credit availability; (7) changes in the quality or composition of loan and investment portfolios; (8) adequacy of loan loss reserves and changes in loan default and charge-off rates; (9) increased competition and its effect on pricing, spending, third-party relationships and revenues; (10) loss of certain key officers; (11) continued relationships with major customers; (12) deposit attrition, necessitating increased borrowings to fund loans and investments; (13) rapidly changing technology; (14) unanticipated regulatory or judicial proceedings and liabilities and other costs; (15) changes in the cost of funds, demand for loan products or demand for financial services; and (16) other economic, competitive, governmental or technological factors affecting operations, markets, products, services and prices.