Meridian Corporation Investor Presentation — December 2022

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NASDAQ: MRBKQ4'2022 Investor Presentation239

CorporationFORWARD-LOOKING STATEMENTS

Meridian Corporation (the “Corporation”) may from time to time make written or oral “forward-looking statements” within the meaning of the

“safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include statements with

respect to Meridian Corporation’s strategies, goals, beliefs, expectations, estimates, intentions, capital raising efforts, financial condition and

results of operations, future performance and business. Statements preceded by, followed by, or that include the words “may,” “could,”

“should,” “pro forma,” “looking forward,” “would,” “believe,” “expect,” “anticipate,” “estimate,” “intend,” “plan,” or similar expressions generally

indicate a forward-looking statement. These forward-looking statements involve risks and uncertainties that are subject to change based on

various important factors (some of which, in whole or in part, are beyond Meridian Corporation’s control). Numerous competitive, economic,

regulatory, legal and technological factors, risks and uncertainties that could cause actual results to differ materially include, without

limitation, the impact of the COVID-19 pandemic and government responses thereto; on the U.S. economy, including the markets in which

we operate; actions that we and our customers take in response to these factors and the effects such actions have on our operations,

products, services and customer relationships; and the risk that the Small Business Administration may not fund some or all Paycheck

Protection Program (PPP) loan guaranties; increased competitive pressures; changes in the interest rate environment; changes in general

economic conditions and conditions within the securities markets; legislative and regulatory changes; and the effects of inflation, a potential

recession, among others, could cause Meridian Corporation’s financial performance to differ materially from the goals, plans, objectives,

intentions and expectations expressed in such forward-looking statements. Meridian Corporation cautions that the foregoing factors are not

exclusive, and neither such factors nor any such forward-looking statement takes into account the impact of any future events. All forward-

looking statements and information set forth herein are based on management’s current beliefs and assumptions as of the date hereof and

speak only as of the date they are made. For a more complete discussion of the assumptions, risks and uncertainties related to our

business, you are encouraged to review Meridian Corporation’s filings with the Securities and Exchange Commission, including our Annual