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  "documentTitle": "Old Second Bancorp | Shareholder Engagement Presentation Deck | 27 slides",
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      "text": "CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS",
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      "text": "our ability to execute our growth strategy, including realizing the benefits from our strategic hires; the impact of the outbreak of the novel coronavirus, or COVID-19, on our business, including the impact of the actions taken by governmental authorities to try and contain the virus or address the impact of the virus on the U.S. economy (including, without limitation, the Coronavirus Aid, Relief and Economic Security Act, or the CARES Act), and the resulting effect of these items on our operations, liquidity and capital position, and on the financial condition of our borrowers and other customers; negative economic conditions that adversely affect the economy, real estate values, the job market and other factors nationally and in our market area, in each case that may affect our liquidity and the performance of our loan portfolio; impairment of goodwill, intangible assets or deferred tax assets; risks related to future acquisitions, if any, including integration and execution risk; changes in U.S. monetary policy, the level and volatility of interest rates, the capital markets and other market conditions that may affect, among other things, our liquidity and the value of our assets and liabilities; the transition away from LIBOR to an alternative reference rate; competitive pressures from other financial service businesses and from nontraditional financial technology (“FinTech”) companies; any negative perception of our reputation or financial strength; ability to raise additional capital on acceptable terms when needed; ability to raise cost -effective funding to support business plans when needed; risks related to the level of our indebtedness;",
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      "text": "Some of the statements in this presentation are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act. Forward-looking statements can be identified by words such as: \"expect,\" \"opportunity,\" \"anticipate,\" \"focus,\" \"intend,\" \"plan,\" \"seek,\" \"believe,\" \"may,\" \"should,\" \"will,\" \"projected\" and similar references to future periods. Forward-looking statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (“risk factors”) that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements. All forward-looking statements speak only as of the date of this presentation. We do not undertake any duty to update any forward-looking statement made herein. Risk factors include, without limitation:",
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