<SEC-DOCUMENT>0000927089-20-000347.txt : 20200526
<SEC-HEADER>0000927089-20-000347.hdr.sgml : 20200526
<ACCEPTANCE-DATETIME>20200526141056
ACCESSION NUMBER:		0000927089-20-000347
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20200522
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200526
DATE AS OF CHANGE:		20200526

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN MISSOURI BANCORP, INC.
		CENTRAL INDEX KEY:			0000916907
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				431665523
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23406
		FILM NUMBER:		20909567

	BUSINESS ADDRESS:	
		STREET 1:		2991 OAK GROVE ROAD
		CITY:			POPLAR BLUFF
		STATE:			MO
		ZIP:			63901
		BUSINESS PHONE:		573-778-1800

	MAIL ADDRESS:	
		STREET 1:		2991 OAK GROVE ROAD
		CITY:			POPLAR BLUFF
		STATE:			MO
		ZIP:			63901

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SOUTHERN MISSOURI BANCORP INC
		DATE OF NAME CHANGE:	19940104
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>form8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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    <div style="text-align: center; font-size: 12pt; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Washington, D.C.&#160; 20549</div>
    <div style="text-align: justify;"><font style="font-size: 12pt;"> </font><br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">FORM 8-K</div>
    <div><br>
    </div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">CURRENT REPORT</div>
    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-size: 12pt;">Date of Report (Date of earliest event reported) <u>May 22, 2020</u></div>
    <div style="text-align: justify; font-size: 12pt;"><br>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z8eaba16a70764c009fad670481f3316f">

          <tr>
            <td style="width: 100%; vertical-align: top; border-bottom: #000000 2px solid;">
              <div style="text-align: center; font-size: 12pt;">SOUTHERN MISSOURI BANCORP, INC.</div>
            </td>
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          <tr>
            <td style="width: 100%; vertical-align: top;">
              <div style="text-align: center; font-size: 12pt;">(Exact name of registrant as specified in its charter)</div>
            </td>
          </tr>

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      <div> <br>
      </div>
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            <tr>
              <td style="width: 36.1%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">Missouri</div>
              </td>
              <td style="width: 2.66%; vertical-align: top;">&#160;</td>
              <td style="width: 29.29%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">000-23406</div>
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              <td style="width: 2.66%; vertical-align: top;">&#160;</td>
              <td style="width: 29.28%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">43-1665523</div>
              </td>
            </tr>
            <tr>
              <td style="width: 36.1%; vertical-align: bottom;">
                <div style="text-align: center; font-size: 12pt;">(State or other</div>
              </td>
              <td style="width: 2.66%; vertical-align: top;">&#160;</td>
              <td style="width: 29.29%; vertical-align: bottom;">
                <div style="text-align: center; font-size: 12pt;">(Commission File No.)</div>
              </td>
              <td style="width: 2.66%; vertical-align: top;">&#160;</td>
              <td style="width: 29.28%; vertical-align: bottom;">
                <div style="text-align: center; font-size: 12pt;">(IRS Employer</div>
              </td>
            </tr>
            <tr>
              <td style="width: 36.1%; vertical-align: bottom;">
                <div style="text-align: center; font-size: 12pt;">jurisdiction of incorporation)</div>
              </td>
              <td style="width: 2.66%; vertical-align: top;">&#160;</td>
              <td style="width: 29.29%; vertical-align: bottom;">&#160;</td>
              <td style="width: 2.66%; vertical-align: top;">&#160;</td>
              <td style="width: 29.28%; vertical-align: bottom;">
                <div style="text-align: center; font-size: 12pt;">Identification Number)</div>
              </td>
            </tr>

        </table>
      </div>
      <div> <br>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zf6838a10b11e4b45b0f609d4fa361f2a">

            <tr>
              <td style="width: 65.98%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">2991 Oak Grove Road, Poplar Bluff, Missouri</div>
              </td>
              <td style="width: 3.76%; vertical-align: top;">&#160;</td>
              <td style="width: 30.26%; vertical-align: bottom; border-bottom: #000000 2px solid;">
                <div style="text-align: center; font-size: 12pt;">63901</div>
              </td>
            </tr>
            <tr>
              <td style="width: 65.98%; vertical-align: bottom;">
                <div style="text-align: center; font-size: 12pt;">(Address of principal executive offices)</div>
              </td>
              <td style="width: 3.76%; vertical-align: top;">&#160;</td>
              <td style="width: 30.26%; vertical-align: bottom;">
                <div style="text-align: center; font-size: 12pt;">(Zip Code)</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z604c0690045e4e099a339b1dc1171c90">

              <tr>
                <td style="width: 35%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="text-align: justify; font-size: 12pt;">Registrant's telephone number, including area code:</div>
                </td>
                <td style="width: 65%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div style="text-align: justify; font-size: 12pt;">(573) 778-1800</div>
                </td>
              </tr>

          </table>
        </div>
        <div> <br>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="zca804f5a77b742bfa4e325d178ca656a">

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                <td style="width: 100%; vertical-align: top; border-bottom: #000000 2px solid;">
                  <div style="text-align: center; font-size: 12pt;">N/A</div>
                </td>
              </tr>
              <tr>
                <td style="width: 100%; vertical-align: top;">
                  <div style="text-align: center; font-size: 12pt;">(Former name or former address, if changed since last report)</div>
                </td>
              </tr>

          </table>
          <div> <br>
          </div>
          <div>
            <div>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</div>
            <div><br>
            </div>
            <div>&#9633;<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.5pt" id="TRGRRTFtoHTMLTab">&#160;</font>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
            <div>&#9633;<font style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.5pt" id="TRGRRTFtoHTMLTab">&#160;</font>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
            <div>
              <div>
                <div>
                  <div style="font-family: 'Times New Roman',Times,serif;">&#9633;&#160;&#160;&#160;&#160; Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
                </div>
              </div>
            </div>
            <div>
              <div>
                <div>
                  <div>&#9633; &#160; &#160; Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
                </div>
              </div>
            </div>
          </div>
          <div>
            <div style="text-align: left; margin-top: 12pt;">Securities registered pursuant to Section 12(b) of the Act:</div>
            <div style="text-align: left; margin-top: 12pt;">
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                    <td style="width: 33.33%; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                      <div style="font-weight: bold; text-align: center;">&#160;Title of each class</div>
                    </td>
                    <td style="width: 33.33%; border-top: 2px solid rgb(0, 0, 0);">
                      <div style="font-weight: bold; text-align: center;">&#160;Trading Symbol(s)</div>
                    </td>
                    <td style="width: 33.33%; border-top: 2px solid rgb(0, 0, 0); border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0);">
                      <div style="font-weight: bold; text-align: center;">&#160;Name of each exchange on which registered</div>
                    </td>
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                    <td style="width: 33.33%; border-color: rgb(0, 0, 0); border-style: solid; border-width: 2px;">
                      <div style="font-weight: normal; text-align: center;">&#160;Common Stock, par value $0.01 per share</div>
                    </td>
                    <td style="width: 33.33%; border-top: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                      <div style="font-weight: normal; text-align: center;">&#160;SMBC</div>
                    </td>
                    <td style="width: 33.33%; border-color: rgb(0, 0, 0); border-style: solid; border-width: 2px;">
                      <div style="font-weight: normal; text-align: center;">&#160;The NASDAQ Stock Market LLC</div>
                    </td>
                  </tr>

              </table>
            </div>
            <div style="text-align: left; margin-top: 12pt;"> </div>
            <div style="text-align: left; margin-top: 12pt;">
              <div style="margin-top: 12pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934
                (&#167;240.12b-2 of this chapter).</div>
              <div style="text-align: right; margin-top: 12pt;">Emerging growth company&#160;&#160;&#9744;</div>
              <div style="margin-top: 12pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided
                pursuant to Section&#160;13(a) of the Exchange Act.&#160;&#160;&#9744; <br>
              </div>
              <div style="margin-top: 12pt;"> <br>
              </div>
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                <div style="margin-bottom: 12pt;">
                  <div>
                    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za68b9ab9f8364702968545b873249666">

                        <tr>
                          <td style="width: 63pt; vertical-align: top; align: right; font-size: 12pt; font-weight: bold;">Item 8.01.</td>
                          <td style="width: auto; vertical-align: top;">
                            <div style="font-size: 12pt; font-weight: bold;">Other Events.</div>
                          </td>
                        </tr>

                    </table>
                  </div>
                </div>
                <div style="text-indent: 36pt; margin-bottom: 12pt;">Effective May 22, 2020, Southern Missouri Bancorp, Inc. (&#8220;Southern Missouri&#8221;), completed its previously announced acquisition of Central Federal Bancshares, Inc. (&#8220;Central&#8221;), Rolla,
                  Missouri (the &#8220;Merger&#8221;). Central was the parent company of Central Federal Savings &amp; Loan Association of Rolla (&#8220;Central Federal&#8221;), which was merged with and into Southern Bank, the wholly owned bank subsidiary of Southern Missouri.</div>
                <div style="text-indent: 36pt; margin-bottom: 12pt;">Upon completion of the Merger, each share of Central common stock was converted into the right to receive $15.90 in cash (the &#8220;Merger Consideration&#8221;). Southern Missouri paid approximately
                  $21.9 million in cash Merger Consideration.</div>
                <div style="text-indent: 36pt; margin-bottom: 12pt;">A copy of the press release Southern Missouri issued announcing completion of the transaction is attached hereto as Exhibit 99.1 and is incorporated herein by reference.</div>
                <div style="margin-bottom: 12pt;">
                  <div>
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                          <td style="width: 63pt; vertical-align: top; align: right; font-size: 12pt; font-weight: bold;">Item 9.01.</td>
                          <td style="width: auto; vertical-align: top;">
                            <div style="font-size: 12pt; font-weight: bold;">Financial Statements and Exhibits.</div>
                          </td>
                        </tr>

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                </div>
                <div style="text-indent: 36pt; margin-bottom: 12pt; font-style: italic;">&#160;(d) Exhibits.</div>
                <div style="text-indent: 36pt; margin-bottom: 12pt;">The following exhibit is filed herewith:</div>
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                    <tr>
                      <td style="width: 5.13%; vertical-align: top;">
                        <div style="font-size: 12pt;">99.1</div>
                      </td>
                      <td style="width: 2.52%; vertical-align: bottom;">&#160;</td>
                      <td style="width: 92.35%; vertical-align: top;">
                        <div style="text-align: justify; font-size: 12pt;"><a href="pr.htm">Press Release of Southern Missouri Bancorp, Inc. dated May 22, 2020.</a></div>
                      </td>
                    </tr>

                </table>
              </div>
              <div style="margin-top: 12pt;"> <br>
              </div>
              <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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              <div>
                <div style="text-align: center; font-weight: bold;">SIGNATURES</div>
                <div><br>
                </div>
                <div style="text-indent: 36pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</div>
                <div><br>
                </div>
                <div><br>
                </div>
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                    <tr>
                      <td style="width: 38%; vertical-align: top;">&#160;</td>
                      <td style="width: 3.76%; vertical-align: top;">&#160;</td>
                      <td style="width: 6%; vertical-align: top;">&#160;</td>
                      <td style="width: 52%; vertical-align: top;">
                        <div style="font-size: 12pt; font-weight: bold;">SOUTHERN MISSOURI BANCORP, INC.</div>
                      </td>
                    </tr>
                    <tr>
                      <td style="width: 38%; vertical-align: top;">&#160;</td>
                      <td style="width: 3.76%; vertical-align: top;">&#160;</td>
                      <td style="width: 6%; vertical-align: top;">&#160;</td>
                      <td style="width: 52%; vertical-align: top;">&#160;</td>
                    </tr>
                    <tr>
                      <td style="width: 38%; vertical-align: top;">
                        <div style="font-size: 12pt;">Date:&#160; May 26, 2020</div>
                      </td>
                      <td style="width: 3.76%; vertical-align: top;">&#160;</td>
                      <td style="width: 6%; vertical-align: top;">
                        <div style="font-size: 12pt;">By:</div>
                      </td>
                      <td style="width: 52%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); font-size: 12pt;">/s/Greg A. Steffens<br>
                      </td>
                    </tr>
                    <tr>
                      <td style="width: 38%; vertical-align: top;">&#160;</td>
                      <td style="width: 3.76%; vertical-align: top;">&#160;</td>
                      <td style="width: 6%; vertical-align: top;">&#160;</td>
                      <td style="width: 52%; vertical-align: top;">
                        <div style="font-size: 12pt;">Greg A. Steffens</div>
                      </td>
                    </tr>
                    <tr>
                      <td style="width: 38%; vertical-align: top;">&#160;</td>
                      <td style="width: 3.76%; vertical-align: top;">&#160;</td>
                      <td style="width: 6%; vertical-align: top;">&#160;</td>
                      <td style="width: 52%; vertical-align: top;">
                        <div style="font-size: 12pt;">President and Chief Executive Officer</div>
                      </td>
                    </tr>

                </table>
                <div><br>
                </div>
              </div>
              <div style="margin-top: 12pt;"> <br>
              </div>
              <div> </div>
            </div>
          </div>
        </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>pr.htm
<DESCRIPTION>PRESS RELEASE
<TEXT>
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  <div style="text-align: right;"><font style="font-weight: bold; font-size: 11pt; font-family: Arial;"><a name="Exhibit99.1"><!--Anchor--></a>Exhibit 99.1</font><br>
  </div>
  <div style="text-align: right;"> <br>
  </div>
  <div style="text-align: right;"> <br>
  </div>
  <div style="text-align: center;"> <img src="image00001.jpg">
    <div><br>
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    <div style="text-align: left;">
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="za0c3241136224a7899127aa98a18063a">

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            <td style="width: 50.96%; vertical-align: middle;">
              <div style="font-family: Arial;">FOR IMMEDIATE RELEASE</div>
            </td>
            <td style="width: 49.04%; vertical-align: middle;">
              <div style="text-align: right; font-family: Arial;">Contact: Matt Funke, CFO</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.96%; vertical-align: middle;">
              <div style="font-family: Arial;">May 22, 2020</div>
            </td>
            <td style="width: 49.04%; vertical-align: middle;">
              <div style="text-align: right; font-family: Arial;">(573) 778-1800</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50.96%; vertical-align: middle; font-family: Arial;">&#160;</td>
            <td style="width: 49.04%; vertical-align: middle; font-family: Arial;">&#160;</td>
          </tr>

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      <div> <font style="font-size: 11pt; font-family: Arial;"><br>
        </font></div>
      <div><font style="font-size: 11pt; font-family: Arial;"> </font>
        <div style="text-align: center; font-family: Arial; font-size: 11pt; font-style: italic; font-weight: bold;">SOUTHERN MISSOURI BANCORP, INC.</div>
        <div style="text-align: center; font-family: Arial; font-size: 11pt; font-style: italic; font-weight: bold;">ANNOUNCES COMPLETION OF MERGER WITH CENTRAL FEDERAL BANCSHARES, INC.</div>
        <div style="font-size: 11pt; font-family: Arial;"><br>
        </div>
        <div style="text-indent: 45pt; font-family: Arial; font-size: 11pt;">Poplar Bluff, Missouri - Southern Missouri Bancorp, Inc. (&#8220;Southern Missouri&#8221; or the Company,&#8221; NASDAQ: SMBC), parent company of Southern Bank, Poplar Bluff, Missouri, announced
          that its merger with Central Federal Bancshares, Inc. (&#8220;Central&#8221;), Rolla, Missouri, was completed today. Central was the parent company of Central Federal Savings &amp; Loan Association of Rolla (&#8220;Central Federal&#8221;), which was merged with and into
          Southern Bank.</div>
        <div style="font-size: 11pt; font-family: Arial;"><br>
        </div>
        <div style="text-indent: 45pt; font-family: Arial; font-size: 11pt;">Following the completion of the merger, Southern Missouri now operates 48 banking facilities in Missouri, Illinois, and Arkansas.&#160;Greg Steffens, President and Chief Executive
          Officer of Southern Missouri, commented, &#8220;We welcome the Central Federal team members and customers to the Southern Bank family, and we look forward to being a part of the Rolla community. As this merger is taking place in the midst of an unusual
          and difficult time for our nation&#8217;s public health and our national and regional economies, we believe we can help Central Federal customers and the Rolla market meet these challenges. We want to be a dependable partner in the community, living
          our vision as a bank with &#8216;Strong Roots, Strong Branches.&#8217; We do that by placing an emphasis on impeccable customer service and innovative technology, and we&#8217;re excited to help people do big things in Rolla.&#8221;</div>
        <div style="font-size: 11pt; font-family: Arial;"><br>
        </div>
        <div style="text-indent: 45pt; font-size: 12pt;"><font style="font-size: 11pt; font-family: Arial;">As a result of the merger, each share of Central common stock held immediately prior to completion of the merger is being exchanged for $15.90 in
            cash.</font><font style="font-size: 11pt; font-family: Arial;">&#160;</font><font style="font-size: 11pt; font-family: Arial;">Southern Missouri paid approximately $21.9 million in cash merger consideration.</font></div>
        <div style="font-size: 11pt; font-family: Arial;"><br>
        </div>
        <div style="text-indent: 45pt; font-family: Arial; font-size: 11pt;">At March 31, 2020, Central reported total consolidated assets of $70.1 million, including loans, net, of $52.2 million, and deposits of $46.3 million. On a pro forma basis, the
          combined entity will hold assets of approximately $2.4 billion, including loans, net, of $2.0 billion, and deposits of $2.0 billion. The transaction is expected to be accretive to earnings per share within six months of closing, exclusive of
          nonrecurring transaction expenses, and accretive to tangible book value per common share in approximately two years, based on the crossover method.</div>
        <div style="font-size: 11pt; font-family: Arial;"><br>
        </div>
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt;">The firm of Lewis Rice, LLC served as legal advisor to Central, while Silver, Freedman, Taff &amp; Tiernan LLP served as legal advisor to Southern Missouri. Keefe, Bruyette &amp;
          Woods, a Stifel Company, served as financial advisor to Central.</div>
        <div style="font-size: 11pt; font-family: Arial;"><br>
        </div>
        <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div id="DSPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
        </div>
        <!--PROfilePageNumberReset%Num%2%%%-->
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt; font-weight: bold;">Forward-Looking Information:</div>
        <div style="font-size: 11pt; font-family: Arial;"><br>
        </div>
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt;">Except for the historical information contained herein, the matters discussed in this press release may be deemed to be forward-looking statements that are subject to known and
          unknown risks, uncertainties, and other factors that could cause the actual results to differ materially from the forward-looking statements, including: potential adverse impacts to the economic conditions in the Company&#8217;s local market areas,
          other markets where the Company has lending relationships, or other aspects of the Company&#8217;s business operations or financial markets, generally, resulting from the ongoing COVID-19 pandemic and any governmental or societal responses thereto;
          expected cost savings, synergies and other benefits from our merger and acquisition activities might not be realized to the extent anticipated, within the anticipated time frames, or at all, and costs or difficulties relating to integration
          matters, including but not limited to customer and employee retention, might be greater than expected; the strength of the United States economy in general and the strength of the local economies in which we conduct operations; fluctuations in
          interest rates and in real estate values; monetary and fiscal policies of the FRB and the U.S. Government and other governmental initiatives affecting the financial services industry; the risks of lending and investing activities, including
          changes in the level and direction of loan delinquencies and write-offs and changes in estimates of the adequacy of the allowance for loan losses; our ability to access cost-effective funding; the timely development of and acceptance of our new
          products and services and the perceived overall value of these products and services by users, including the features, pricing and quality compared to competitors' products and services; fluctuations in real estate values and both residential and
          commercial real estate markets, as well as agricultural business conditions; demand for loans and deposits; legislative or regulatory changes that adversely affect our business; changes in accounting principles, policies, or guidelines; results
          of regulatory examinations, including the possibility that a regulator may, among other things, require an increase in our reserve for loan losses or write-down of assets; the impact of technological changes; and our success at managing the risks
          involved in the foregoing. Any forward-looking statements are based upon management&#8217;s beliefs and assumptions at the time they are made. We undertake no obligation to publicly update or revise any forward-looking statements or to update the
          reasons why actual results could differ from those contained in such statements, whether as a result of new information, future events or otherwise. In light of these risks, uncertainties and assumptions, the forward-looking statements discussed
          might not occur, and you should not put undue reliance on any forward-looking statements.</div>
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt;"> <br>
        </div>
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt;"> <br>
        </div>
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt;"> <br>
        </div>
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt;"> <br>
        </div>
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt;"> <br>
        </div>
        <div style="text-indent: 36pt; font-family: Arial; font-size: 11pt;"> <br>
        </div>
        <div><br>
        </div>
      </div>
    </div>
  </div>
  <div id="DSPFPageNumberArea" style="text-align: center; font-family: Arial;"><font id="DSPFPageNumber" style="font-weight: normal; font-style: normal;">2</font></div>
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