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Waterstone Financial, Inc. (WSBF)

Nasdaq · Finance, Insurance & Real Estate · Savings Institution, Federally Chartered

Core research established · 4/4 core data layers currently established

What Waterstone Financial, Inc. does

Forward-Looking Statements This Annual Report on Form 10-K may contain or incorporate by reference various forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “plan,” “seek,” “expect” and similar expressions and verbs in the future tense. These forward-looking statements include, but are not limited to: • Statements of our goals, intentions and expectations; • Statements regarding our business plans, prospects, growth and operating strategies; • Statements regarding the quality of our loan and investment portfolio; • Estimates of our risks and future costs and benefits.

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