FORWARD LOOKING STATEMENT

This communication contains certain “forward-looking statements”. 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. These statements speak only as of the date of this report and we do 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. For a more complete discussion of certain risks and uncertainties affecting the Bank, please see "Item 1. Business-Forward-Looking Statements and Risk Factors" set forth in the Bank's Form 10-K for the year ended June 30, 2018.