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Consolidated Communications

cnsl · NASDAQ Communication Services
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Industry Telecommunications Services
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FY2020 Annual Report · Consolidated Communications
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2020 ANNUAL REPORT

DEAR STOCKHOLDERS,

2020 was a year like no other for Consolidated Communications. 
We entered the year with strong momentum and a clear set of strategic 
goals to guide our path and focus for the year:

• stabilize revenue and EBITDA while growing free cash flow

• leverage our network across the regional territories we serve while 

continuing to invest in the expansion of our fiber network; and

• continue to execute on our disciplined capital allocation plan, including a 
strategic refinancing, to position the Company for investment in the future.  

And then the COVID-19 pandemic arrived, testing us in previously 
unimaginable ways. But your Company and its employees responded 
with incredible energy, engagement and support for one another. We 
focused immediately and intensely to ensure the safety of our employees 
and customers while at the same time ensuring business continuity and 
meeting the increasing demand for services. 

As a critical infrastructure provider, we were at the center of our customers’ 
connectivity needs which resulted in an increase in service orders and 
bandwidth upgrades. Our network, as designed, performed and continues to 
perform very well, even against the increasing load of voice and data traffic.  

We moved quickly and proactively to identify new and innovative ways to 
serve our customers. For example, we launched Enterprise at Home, which 
provides business class Internet and full-featured unified communications 
to remote employees at residential locations. We made it easier for our 
customers to upgrade bandwidth and stay connected with critical services 
during this time.

We are proud of how the Consolidated team delivered on its commitments 
to our customers and shareholders, with solid financial results during a 
challenging year, and emerging even stronger.

Delivering value in fiscal 2020
Our fiscal 2020 results and accomplishments demonstrate both the 
resiliency of our business and the very strong execution in improving 
revenue trends, growing adjusted EBITDA and strengthening the balance 
sheet. Among the highlights in fiscal 2020:

• We produced stable revenue and increased EBITDA while managing 
our cost structure and significantly improved our overall liquidity. 
Revenue totaled $1.3 billion for the year, and we generated Adjusted 
EBITDA of $529 million, an improvement of 1.1 percent. Net cash from 
operating activities totaled $365 million, while operating expenses 
excluding transaction costs declined 4.3 percent.

• We closed on the first stage of a $425 million total strategic 

investment with Searchlight Capital Partners and refinanced our 
debt, strengthening our balance sheet. The consistency of our results, 
the strength and depth of our team and the quality of our assets helped 
us secure a strategic partnership with Searchlight Capital Partners, a 
private equity firm who brings industry experience and expertise. 

Searchlight’s investment enabled us to completely refinance our debt and 
extend our maturity profile by seven years. Importantly, this investment 
and partnership with an experienced strategic investor in our sector is 
enabling us to accelerate our fiber expansion plans immediately.  

• We are in a strong position to accelerate our fiber investments with 
a fully funded build, supporting our growth initiatives across three 
customer groups; carrier, commercial and consumer. We have 
embarked on a five-year investment initiative to upgrade 1.6 million 
passings and enable multi-gigabit, symmetrical speeds over fiber services. 
We have a proven track record of growing broadband, and we are now 
positioned to expedite our fiber expansion plans, boost customer speeds 
and expand gigabit fiber services to 70 percent of our addressable market. 
As part of our fiber expansion plans, we intend to transform the customer 
experience by making it easy for customers to do business with us.

Positioned for growth 
Through our past investments in commercial and carrier high-return, 
fiber expansion projects as well as Connect America Fund broadband 
investments across rural areas, we are well positioned to extend our fiber 
network to over 70 percent of our 2.8 million addressable homes and 
businesses. Through these investments and innovative public-private 
partnerships, we are executing on a broadband strategy that positions us 
for faster growth with our fiber nodes being closer to our customers than 
other providers in our target markets. We will remain disciplined on 
operational excellence as well as prioritizing every dollar we invest in the 
highest-return projects. This will allow us to further grow broadband 
revenue in 2021 and beyond.

As we look ahead, we enter 2021 with an even stronger foundation, great 
momentum and excitement for the future. We intend to continue to deliver 
on our commitment to our customers, the communities we serve and our 
shareholders. As a critical broadband provider, we are helping residential, 
business and carrier customers as well as the communities we serve to 
connect, learn, and work – all key to economic vitality and recovery. I want 
to especially thank our employees who work tirelessly to serve our 
customers and are crucial to our long-term success. 

Thank you, our valued shareholder, for your ongoing trust and support. 
As a Company, our goals and growth plans have never been clearer and 
we are committed to creating value for our customers, employees and 
shareholders. I couldn’t be more excited for what the future holds for 
Consolidated Communications.

Sincerely, 

Bob Udell 
President and Chief Executive Officer

Table of Contents

UNITED STATES 
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 10-K

☒☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2020

☐☐ TRANSITION REPORT PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ________________ to ________________

Commission file number 000-51446

CONSOLIDATED COMMUNICATIONS HOLDINGS, INC.
(Exact name of registrant as specified in its charter)

Delaware
(State or other jurisdiction
of incorporation or organization)
121 South 17th Street, Mattoon, Illinois
(Address of principal executive offices)

02-0636095
(I.R.S. Employer
Identification No.)

61938-3987

(Zip Code)

Registrant’s telephone number, including area code (217) 235-3311

Securities registered pursuant to Section 12(b) of the Act:

Title of each class
Common Stock - $0.01 par value

Trading Symbol
CNSL

Name of each exchange on which registered
The NASDAQ Global Select Market

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.

Yes ☐ No ☒

Yes ☐ No ☒

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12
months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Indicate  by  check  mark  whether  the  registrant  has  submitted  electronically  every  Interactive  Data  File  required  to  be  submitted  pursuant  to  Rule  405  of  Regulation  S-T
(§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes ☒ No ☐

Indicate  by  check  mark  whether  the  registrant  is  a  large  accelerated  filer,  an  accelerated  filer,  a  non-accelerated  filer,  smaller  reporting  company,  or  an  emerging  growth
company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange
Act.

Yes ☒ No ☐

Large accelerated filer ☐

Accelerated filer ☒

Non-accelerated filer ☐

Smaller reporting company ☐

Emerging growth company ☐

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 13(a) of the Exchange Act. ◻

Indicate by check mark whether the registrant has filed a report on and attestation  to its management’s  assessment of the effectiveness of its  internal control  over financial
reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. ☒

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes ☐ No ☒

As of June 30, 2020, the aggregate market value of the shares held by non-affiliates of the registrant’s common stock was $485,618,951 based on the closing price as reported
on the NASDAQ Global Select Market. The market value calculations exclude shares held on the stated date by registrant’s directors and officers on the assumption such shares
may be shares owned by affiliates. Exclusion from these public market value calculations does not necessarily conclude affiliate status for any other purpose.

On February 22, 2021, the registrant had 79,213,100 shares of Common Stock outstanding.

DOCUMENTS INCORPORATED BY REFERENCE

Portions of the registrant’s Proxy Statement for the 2021 Annual Meeting of Shareholders are incorporated herein by reference in Part III of this Annual Report on Form 10-K
to the extent stated herein. Such proxy statement will be filed with the Securities and Exchange Commission within 120 days of the registrant’s fiscal year ended December 31,
2020.

TABLE OF CONTENTS

Table of Contents

PART I

Item 1.

Business

Item 1A.

Risk Factors

Item 1B.

Unresolved Staff Comments

Item 2.

Properties

Item 3.

Legal Proceedings

Item 4.

Mine Safety Disclosures

PART II

Item 5.

Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity
Securities

Item 6.

Selected Financial Data

Item 7.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

Item 7A.

Quantitative and Qualitative Disclosures About Market Risk

Item 8.

Financial Statements and Supplementary Data

Item 9.

Changes in and Disagreements With Accountants on Accounting and Financial Disclosure

Item 9A.

Controls and Procedures

Item 9B.

Other Information

PART III

Item 10.

Directors, Executive Officers and Corporate Governance

Item 11.

Executive Compensation

Item 12.

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Item 13.

Certain Relationships and Related Transactions, and Director Independence

Item 14.

Principal Accountant Fees and Services

PART IV

Item 15.

Exhibits and Financial Statement Schedules

Item 16.

Form 10-K Summary

SIGNATURES

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Note About Forward-Looking Statements

PART I

The  Securities  and  Exchange  Commission  (“SEC”)  encourages  companies  to  disclose  forward-looking  information  so  that
investors can better understand a company’s future prospects and make informed investment decisions.  Certain statements in this
Annual Report on Form 10-K, including those relating to the impact on future revenue sources, pending and future regulatory
orders,  continued  expansion  of  the  telecommunications  network  and  expected  changes  in  the  sources  of  our  revenue  and  cost
structure resulting from our entrance into new markets, are forward-looking statements and are made pursuant to the safe harbor
provisions  of  the  Private  Securities  Litigation  Reform  Act  of  1995.    These  forward-looking  statements  reflect,  among  other
things, our current expectations, plans, strategies and anticipated financial results.  There are a number of risks, uncertainties and
conditions that may cause the actual results of Consolidated Communications Holdings, Inc. and its subsidiaries (“Consolidated,”
the “Company,” “we,” “our” or “us”) to differ materially from those expressed or implied by these forward-looking statements.
 Many  of  these  circumstances  are  beyond  our  ability  to  control  or  predict.    Moreover,  forward-looking  statements  necessarily
involve assumptions on our part.  These forward-looking  statements  generally  are identified  by the words “believe,”  “expect,”
“anticipate,”  “estimate,”  “project,”  “intend,”  “plan,”  “should,”  “may,”  “will,”  “would,”  “will  be,”  “will  continue”  or  similar
expressions.    All  forward-looking  statements  attributable  to  us  or  persons  acting  on  our  behalf  are  expressly  qualified  in  their
entirety  by  the  cautionary  statements  that  appear  throughout  this  report.    A  detailed  discussion  of  these  and  other  risks  and
uncertainties that could cause actual results and events to differ materially from such forward-looking statements is included in
Part I – Item 1A – “Risk Factors”.  Furthermore, undue reliance should not be placed on forward-looking statements, which are
based on the information currently available to us and speak only as of the date they are made.  Except as required under federal
securities laws or the rules and regulations of the SEC, we disclaim any intention or obligation to update or revise publicly any
forward-looking statements.  

Item 1. Business.

Consolidated  Communications  Holdings,  Inc.  is  a  Delaware  holding  company  with  operating  subsidiaries  that  provide  a  wide
range  of  communication  solutions  to  consumer,  commercial  and  carrier  channels  across  a  23-state  service  area.    We  were
founded  in  1894  as  the  Mattoon  Telephone  Company.    After  several  acquisitions,  the  Mattoon  Telephone  Company  was
incorporated  as  the  Illinois  Consolidated  Telephone  Company  in  1924.    We  were  incorporated  under  the  laws  of  Delaware  in
2002, and through our predecessors, we have been providing communication services in many of the communities we serve for
more than 125 years.

In  addition  to  our  focus  on  organic  growth  in  our  commercial  and  carrier  channels,  we  have  achieved  business  growth  and
diversification of revenue and cash flow streams that have created a strong platform for future growth through our acquisitions
over the last 15 years.  Through this strategic expansion, we have positioned our business to provide competitive services in rural,
suburban and metropolitan markets spanning the country. Marking a pivotal moment for Consolidated, in 2020, we entered into a
strategic  investment  with  an  affiliate  of  Searchlight  Capital  Partners  L.P.  (“Searchlight”).  We  also  completed  a  global  debt
refinancing,  as  described  below,  which  in  combination  provides  us  with  greater  flexibility  to  support  our  fiber  expansion  and
growth plans. This strategic investment offered an immediate capital infusion. It will deliver significant benefits to the customers
and communities we serve, and create a stronger and more resilient company that is well-positioned to further expand and grow
broadband services to meet ever-evolving customer needs.

We are closely monitoring the impact on our business of the coronavirus (“COVID-19”) pandemic. For a discussion of the risks
related  to  COVID-19,  refer  to  Part  I  -  Item  1A  –  “Risk  Factors”  and  for  a  discussion  of  the  impacts  of  COVID-19  on  our
business, refer to Part II - Item 7 – “Management’s Discussion and Analysis of Financial Condition and Results of Operations”
and  Note  1  to  the  consolidated  financial  statements  included  in  this  report  in  Part  II  –  Item  8  –  “Financial  Statements  and
Supplementary Data”.

Recent Business Developments

On  September  13,  2020,  we  entered  into  an  investment  agreement  (the  “Investment  Agreement”)  with  Searchlight,  a  global
private equity firm.  In connection with the Investment Agreement, affiliates of Searchlight have committed to invest up to an
aggregate  of  $425.0  million,  which  will  enable  Consolidated  to  accelerate  our  growth  plan,  expand  the  Company’s  fiber
infrastructure and invest in high-growth and competitive areas of our business.  The investment commitment is

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structured  in  two  stages.    In  the  first  stage  of  the  transaction,  which  was  completed  on  October  2,  2020,  Searchlight  invested
$350.0  million  in  the  Company  in  exchange  for  8%  of  the  Company’s  common  stock.  In  addition,  Searchlight  has  received  a
contingent  payment  right  (“CPR”)  convertible,  upon  the  receipt  of  certain  regulatory  and  shareholder  approvals,  into  an
additional  16.9%  of  the  Company’s  common  stock,  and  the  right  to  receive  an  unsecured  subordinated  note  with  a  principal
amount of approximately $395.5 million. In the second stage, upon receipt of Federal Communications Commission (“FCC”) and
Hart  Scott  Rodino  approvals  and  the  satisfaction  of  certain  other  customary  closing  conditions,  Searchlight  will  invest  an
additional  $75.0  million  and  will  be  issued  the  note,  which  will  be  convertible  into  shares  of  perpetual  preferred  stock  of  the
Company  with  an  aggregate  liquidation  preference  equal  to  the  principal  amount  of  the  note  at  that  time.  In  addition,  in  the
second  stage  and  following  shareholder  approval,  the  CPR  will  be  convertible  into  an  additional  10.1%  of  the  Company’s
common  stock.  We  expect  the  closing  of  the  second  stage  to  be  completed  in  mid-2021.  Upon  completion  of  both  stages,  the
common  stock  and  CPR  issued  to  Searchlight  will  represent  approximately  35%  of  the  Company’s  common  stock  on  an  as-
converted basis.

In addition, on October 2, 2020, the Company and certain of its wholly-owned subsidiaries completed a global refinancing of our
long-term debt through the issuance of $2,250.0 million in new secured debt and retired all of its then outstanding debt.  The new
credit  agreement  consists  of  a  five-year  $250.0  million  revolving  credit  facility  and  a  seven-year  term  loan  in  the  aggregate
amount of $1,250.0 million. The Company also raised $750.0 million aggregate principal amount of 6.50% senior secured notes
due  2028.  On  January  15,  2021,  the  Company  issued  an  additional  $150.0  million  aggregate  principal  amount  of  incremental
term loans under the credit agreement.

See Notes 4 and 7 to the consolidated financial statements included in this report in Part II – Item 8 – “Financial Statements and
Supplementary Data” for a more detailed discussion of these transactions and the debt refinancing.

Description of Our Business

Consolidated  is  a  broadband  and  business  communications  provider  offering  a  wide  range  of  communication  solutions  to
consumer,  commercial  and  carrier  customers  across  a  23-state  service  area  by  leveraging  our  advanced  fiber  network,  which
spans over 46,600 fiber route miles across many rural areas and metro communities.  Our business product suite includes: data
and Internet  solutions,  voice,  data center  services,  security  services,  managed  and IT services,  and an expanded  suite  of cloud
services.    We  provide  wholesale  solutions  to  wireless  and  wireline  carriers  and  other  service  providers  including  data,  voice,
network connections and custom fiber builds and last mile connections.  We offer residential high-speed Internet, video, phone
and home security services as well as multi-service residential and small business bundles.  Consolidated is dedicated to turning
technology into solutions, connecting people and enriching how our customers work and live.

We  generate  the  majority  of  our  consolidated  operating  revenues  primarily  from  subscriptions  to  our  broadband,  data  and
transport  services  (collectively  “broadband  services”)  marketed  to  consumer,  commercial  and  carrier  customers.    Commercial
and carrier services represent the largest source of our operating revenues and are expected to be key growth areas in the future.
 We  are  focused  on  enhancing  our  broadband  and  commercial  product  suite  and  are  continually  enhancing  our  commercial
product offerings to meet the needs of our business customers.  We leverage our advanced fiber network and tailor our services
for business customers by developing solutions to fit their specific needs.  Additionally, we are continuously enhancing our suite
of  managed  and  cloud  services,  which  increases  efficiency  and  enables  greater  scalability  and  reliability  for  businesses.    We
anticipate future momentum in commercial and carrier services as these products gain traction as well as from the demand from
customers for additional bandwidth and data-based services.  

We  market  our  residential  services  by  leading  with  a  competitive  broadband  service.    As  consumer  demands  for  bandwidth
continue  to  increase,  our  focus  is  on  enhancing  our  broadband  services,  and  progressively  increasing  speeds.    We  offer  data
speeds  of  up  to  1  Gigabits  per  second  (“Gbps”)  in  select  markets,  and  up  to  100  Mbps  in  markets  where  1  Gbps  is  not  yet
available,  depending  on  the  geographical  region.    As  we  continue  to  increase  broadband  speeds,  we  are  also  able  to
simultaneously expand the array of services and content offerings that the network provides.

Our investment in more competitive broadband speeds is critical to our long-term success. With the investment from Searchlight
and the concurrent debt refinancing, we can immediately accelerate the investment in our network, most notably to upgrade over
the  next  five  years  approximately  1.6  million  residential  and  small  business  premises  to  fiber-to-the-home/premise  (“FTTP”)
enabling multi-Gig symmetrical speeds.  The network investments will be made across seven states including more than 1 million
passings within our northern New England service areas. Our fiber build plan includes

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the upgrade of approximately 300,000 homes and small businesses in 2021. By leveraging our existing dense core fiber network
and  an  accelerated  build  plan,  we  will  be  able  to  significantly  increase  data  speeds,  expand  our  multi-Gig  coverage  and
strategically extend our network across our strong existing commercial and carrier footprint to attract more on-net and near-net
opportunities.  As  we  invest  in  network  upgrades,  we  believe  we  will  see  stable-to-improved  trends  in  revenue  growth  and
increased  broadband  penetration.  We  believe  these  fiber  investments  will  help  us  future-proof  our  network  and  facilitate  the
continued transformation of Consolidated into a leading super-regional fiber communications service provider.

Searchlight is a value-added partner in our execution of this investment and brings a differentiated perspective to our broadband-
first strategy. They are an experienced broadband and fiber infrastructure investor and they bring significant experience investing
in  FTTP  and  broadband  expansion.  Through  our  partnership  with  Searchlight,  we  will  enhance  our  ability  to  invest  in  our
business and pursue future growth opportunities as we transform our company in order to create long-term value.

A discussion of factors potentially affecting our operations is set forth in Part I – Item 1A – “Risk Factors”, which is incorporated
herein by reference.

Sources of Revenue

The following tables summarize our sources of revenue and key operating statistics for the last three fiscal years:

(In millions, except for percentages)
Commercial and carrier:

Data and transport services (includes VoIP)
Voice services
Other

$

Consumer:

Broadband (Data and VoIP)
Video services
Voice services

Subsidies
Network access
Other products and services
Total operating revenues

Key Operating Statistics

Consumer customers

Voice connections
Data connections
Video connections

Total connections

2020

$

% of
  Revenues

2019

2018

% of
   Revenues     

% of
    Revenues

$

$

 362.1
 181.7
 45.1
 588.9

 263.1
 74.3
 170.5
 507.9

 27.8 % $
 13.9
 3.5
 45.2

 20.1
 5.7
 13.1
 38.9

 355.3
 188.3
 52.9
 596.5

 257.1
 81.4
 180.8
 519.3

 26.6 % $
 14.1
 4.0
 44.6

 19.2
 6.1
 13.5
 38.9

 349.4
 202.9
 56.4
 608.7

 253.1
 88.4
 202.0
 543.5

 25.0 %
 14.5
 4.0
 43.5

 18.1
 6.3
 14.4
 38.8

 72.0
 125.3
 9.9
$  1,304.0

 5.5
 9.6
 0.8

 72.4
 138.1
 10.2
 100.0 % $  1,336.5

 5.4
 10.3
 0.8

 83.4
 152.6
 10.9
 100.0 % $  1,399.1

 6.0
 10.9
 0.8
 100.0 %

2020
 554,763

 779,590
 792,200
 76,041
 1,647,831

As of December 31,
2019
 582,818

 835,997
 784,165
 84,171
 1,704,333

2018
 628,649

 902,414
 778,970
 93,065
 1,774,449

All telecommunications  providers continue to face increased competition as a result of technology changes and legislative and
regulatory  developments  in  the  industry.    We  continue  to  focus  on  commercial  growth  opportunities  and  are  continually
expanding  our  commercial  product  offerings  for  small,  medium  and  large  businesses  to  capitalize  on  industry  technological
advances.  In addition, we expect our broadband services revenue to continue to grow as consumer and commercial demands for
data-based  services  and  higher  speeds  increase,  which  will  offset,  in  part,  the  anticipated  decline  in  traditional  voice  services
impacted by the ongoing industry-wide reduction in residential access lines.

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Commercial and Carrier

Data and Transport Services

We provide a variety of business communication solutions to business customers of all sizes, including many services over our
advanced fiber network.  The services we offer include scalable high-speed broadband Internet access and Voice over Internet
Protocol  (“VoIP”)  phone  services,  which  range  from  basic  service  plans  to  virtual  hosted  systems.  Our  hosted  VoIP  package
utilizes  soft switching technology and enables our customers to have the flexibility  of employing new telephone advances and
features  without  investing  in  a  new  telephone  system.    The  package  bundles  local  service,  calling  features,  Internet  protocol
(“IP”)  business  telephones  and  unified  messaging,  which  integrates  multiple  messaging  technologies  into  a  single  system  and
allows the customer to receive and listen to voice messages through email.

In  addition  to  Internet  and  VoIP  services,  we  also  offer  a  variety  of  commercial  data  connectivity  services  in  select  markets
including  Ethernet  services;  software  defined  wide  area  network  (“SD-WAN”),  a  software-based  network  technology  that
provides a simplified management and automation of wide area network (“WAN”) connections; multi-protocol label switching
(“MPLS”);  and  private  line  services  to  provide  high  bandwidth  connectivity  across  point-to-point  and  multiple  site  networks.
 Our networking services  are  available  at a variety  of speeds up to 10 Gbps.  We offer a suite of cloud-based  services,  which
includes  a  hosted  unified  communications  solution  that  replaces  the  customer’s  on-site  phone  systems  and  data  networks,
managed network security services and data protection services.

Data center  and disaster  recovery  solutions  provide  a reliable  and local  colocation  option  for commercial  customers.   We  also
offer wholesale services to regional and national interexchange and wireless carriers, including cellular backhaul and other fiber
transport solutions with speeds up to 100 Gbps.  The demand for backhaul services continue to grow as wireless carriers are faced
with escalating consumer and commercial demands for wireless data.  

Voice Services

Voice  services  include  local  phone  and  long-distance  service  packages  for  business  customers.    The  plans  include  options  for
voicemail,  conference  calling,  linking  multiple  office  locations  and  other  custom  calling  features  such  as  caller  ID,  call
forwarding, speed dialing and call waiting.  Services can be charged at a fixed monthly rate, a measured rate or can be bundled
with selected services at a discounted rate.  We are also a full service 9-1-1 provider and have installed and maintained two turn-
key, state of the art statewide next-generation  emergency 9-1-1 systems.  These systems, located  in Maine and Vermont, have
processed several million calls relying on the caller's location information for routing.  As of October 29, 2020, we are no longer
the 9-1-1 service provider in Vermont.  Next-generation emergency 9-1-1 systems are an improvement over traditional 9-1-1 and
are expected to provide the foundation to handle future communication modes such as texting and video.

Other

Other  services  include  business  equipment  sales  and  related  hardware  and  maintenance  support,  video  services  and  other
miscellaneous revenues.

Consumer

Broadband Services

Broadband services include revenues from residential customers for subscriptions to our VoIP and data products.  We offer high-
speed Internet access at speeds of up to 1 Gbps, depending on the nature of the network facilities that are available, the level of
service  selected  and the  location.   Our data service  plans also  include wireless internet  access,  email  and internet  security  and
protection.  Our  VoIP  digital  phone  service  is  also  available  in  certain  markets  as  an  alternative  to  the  traditional  telephone
line.    We  offer  multiple  voice  service  plans  with  customizable  calling  features  and  voicemail  including  voicemail  to  email
options.  

Video Services

Depending  on  geographic  market  availability,  our  linear  video  services  range  from  limited  basic  service  to  advanced  digital
television, which includes several plans, each with hundreds of local, national and music channels including premium and

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Pay-Per-View channels as well as video On-Demand service.  Certain customers may also subscribe to high-definition television,
digital  video  recorders  (“DVR”)  and/or  a  whole  home  DVR.    Our  Whole  Home  DVR  allows  customers  the  ability  to  watch
recorded shows on any television in the home, record multiple shows simultaneously and utilize an intuitive on-screen guide and
user  interface.    Our  TV  Everywhere  service  available  in  certain  markets,  allows  our  video  subscribers  to  watch  their  favorite
shows, movies and livestreams on any device.  In addition, we offer in-demand streaming content, including: ATT TV, fuboTV,
Philo and HBO NOW®.

Voice Services

We offer several different basic local phone service packages and long-distance calling plans, including unlimited flat-rate calling
plans.    The  plans  include  options  for  voicemail  and  other  custom  calling  features  such  as  caller  ID,  call  forwarding  and  call
waiting.    The  number  of  local  access  lines  in  service  directly  affects  the  recurring  revenue  we  generate  from  end  users  and
continues  to  be  impacted  by  the  industry-wide  decline  in  access  lines.    We  expect  to  continue  to  experience  erosion  in  voice
connections due to competition from alternative technologies, including our own competing VoIP product.

Subsidies

Subsidies consist of both federal and state subsidies, which are designed to promote widely available, quality broadband services
at  affordable  prices  with  higher  data  speeds  in  rural  areas.    Subsidies  are  funded  by  end  user  surcharges  to  which
telecommunications providers, including local, long-distance and wireless carriers, contribute on a monthly basis. Subsidies are
allocated and distributed to participating carriers monthly based upon their respective costs for providing local service. Similar to
access  charges,  subsidies  are  regulated  by  the  federal  and  state  regulatory  commissions.  See  Part  I  –  Item  1  –  “Regulatory
Environment”  below  and  Item  1A  –  “Risk  Factors  –  Risks  Related  to  the  Regulation  of  Our  Business”  for  further  discussion
regarding the subsidies we receive.

Network Access Services

Network access services include interstate and intrastate switched access, network special access and end user access.  Switched
access  revenues  include  access  services  to  other  communications  carriers  to  terminate  or  originate  long-distance  calls  on  our
network.  Special access circuits provide dedicated lines and trunks to business customers and interexchange carriers.  Certain of
our network access revenues are based on rates set or approved by the federal and state regulatory commissions or as directed by
law that are subject to change at any time.

Other Products and Services

Other products and services include revenues from telephone directory publishing, video advertising, billing and support services
and other miscellaneous revenues.

No  one  customer  accounted  for  more  than  10%  of  our  consolidated  operating  revenues  during  the  years  ended  December  31,
2020, 2019 and 2018.

Wireless Partnerships

In  addition  to  our  core  business,  we  also  derive  a  portion  of  our  cash  flow  and  earnings  from  investments  in  five  wireless
partnerships.  Wireless partnership investment income is included as a component of other income in the consolidated statements
of operations.  Our wireless partnership investment consists of five cellular partnerships: GTE Mobilnet of South Texas Limited
Partnership  (“Mobilnet  South  Partnership”),  GTE  Mobilnet  of  Texas  RSA  #17  Limited  Partnership  (“RSA  #17”),  Pittsburgh
SMSA  Limited  Partnership  (“Pittsburgh  SMSA”),  Pennsylvania  RSA  No.  6(I)  Limited  Partnership  (“RSA  6(I)”)  and
Pennsylvania RSA No. 6(II) Limited Partnership (“RSA 6(II)”).  

Cellco Partnership (“Cellco”) is the general partner for each of the five cellular partnerships.  Cellco is an indirect, wholly-owned
subsidiary of Verizon Communications Inc.  As the general partner, Cellco is responsible for managing the operations of each
partnership.

We own 2.34% of the Mobilnet South Partnership.  The principal activity of the Mobilnet South Partnership is providing cellular
service in the Houston, Galveston and Beaumont, Texas metropolitan areas.  We account for this investment at

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our  initial  cost  less  any  impairment  because  fair  value  is  not  readily  available  for this  investment.   Income  is recognized  only
upon cash distributions of our proportionate earnings in the partnership.

We  own  20.51%  of  RSA  #17,  which  serves  areas  in  and  around  Conroe,  Texas.    This  investment  is  accounted  for  under  the
equity method.  Income is recognized on our proportionate share of earnings and cash distributions are recorded as a reduction in
our investment.

We own 3.60% of Pittsburgh SMSA, 16.67% of RSA 6(I) and 23.67% of RSA 6(II).  These partnerships cover territories that
almost entirely overlap the markets served by our Pennsylvania Incumbent Local Exchange Carrier (“ILEC”) and Competitive
Local Exchange Carrier operations.  Because of our limited influence over Pittsburgh SMSA, we account for this investment at
our initial cost less any impairment because fair value is not readily available for this investment.  RSA 6(I) and RSA 6(II) are
accounted for under the equity method.

For  the  years  ended  December  31,  2020,  2019  and  2018,  we  recognized  income  of  $40.7  million,  $37.7  million  and  $39.3
million, respectively, and received cash distributions of $41.5 million, $35.8 million and $39.1 million, respectively, from these
wireless partnerships.

Network Architecture and Technology

We have made significant investments in our technologically  advanced telecommunications  networks and continue to enhance
and expand our network by deploying technologies to provide additional capacity to our customers.  As a result, we are able to
deliver high-quality, reliable data, video and voice services in the markets we serve.  Our wide-ranging network and extensive
use of fiber provide an easy reach into existing and new areas.  By bringing the fiber network closer to the customer premise, we
can increase our service offerings, quality and bandwidth services.  Our existing network enables us to efficiently respond and
adapt to changes in technology and is capable of supporting the rising customer demand for bandwidth in order to support the
growing amount of wireless data devices in our customers’ homes and businesses.

Our networks are supported by advanced 100% digital switches, with a core fiber network connecting all remote exchanges.  We
continue  to  enhance  our  copper  network  to  increase  bandwidth  in  order  to  provide  additional  products  and  services  to  our
marketable homes.  In addition to our copper plant enhancements, we have deployed fiber-optic cable extensively throughout our
network, resulting  in a 100% fiber backbone network that supports all of the inter-office  and host-remote  links, as well as the
majority  of  business  parks  within  our  service  areas.    In  addition,  this  fiber  infrastructure  provides  the  connectivity  required  to
provide broadband and long-distance services to our residential and commercial customers.  Our fiber network utilizes FTTP and
fiber-to-the-node (“FTTN”) networks to offer bundled residential and commercial services.  

We operate advanced fiber networks which we own or have entered into long-term leases for fiber network access.  At December
31,  2020,  our  fiber-optic  network  consisted  of  over  46,600  route-miles,  which  includes  approximately  8,130  miles  of  FTTP
deployments, approximately 19,900 route miles of fiber located in the northern New England area, approximately 3,880 miles of
fiber network in Minnesota and surrounding areas, approximately 4,310 miles of fiber network in Texas including an expansion
into the greater Dallas/Fort Worth market, approximately 1,730 route-miles of fiber-optic facilities in the Pittsburgh metropolitan
area, approximately 2,240 miles of fiber network in Illinois, approximately 1,100 route-miles of fiber optic facilities in California
that cover large parts of the greater Sacramento metropolitan area and approximately 1,110 route-miles of fiber optic facilities in
Kansas  City  that  service  the  greater  Kansas  City  area,  including  both  Kansas  and  Missouri.    Our  remaining  network  includes
approximately  4,260  route-miles  spanning  across  various  states  including  portions  of  Alabama,  Colorado,  Florida,  Georgia,
Massachusetts, New York, Ohio, Pennsylvania and Washington.  

As of December 31, 2020, we passed more than 2.7 million homes and have direct fiber connections to 13,564 on-net commercial
building  locations.  We  intend  to  continue  to  make  strategic  enhancements  to  our  network  including  improvements  in  overall
network reliability and increases to our broadband speeds.  We offer data speeds of up to 1 Gbps in select markets, and up to 100
Mbps in markets  where 1 Gbps is not yet available,  depending on the geographical  region.  The majority of the homes in our
recently acquired northern New England service territories have availability to broadband speeds of 20 Mbps or less.  As part of
the  strategic  investment  and  equity  partnership  with  Searchlight,  we  plan  to  accelerate  our  fiber  build  plan  and  extend  fiber
coverage enabling multi-Gig data speeds to over 70% of our passings by 2025. The upgrades will be made primarily across seven
states including more than 1 million passings within the

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northern New England service areas to significantly enhance our broadband speeds. Further network investments will enable us
to continue to meet consumer demand for faster broadband speeds, symmetrical broadband and more bandwidth consumption as
well as more effectively serve our commercial customers.

Through our extensive fiber network, we are also able to support the increased demand on wireless carriers for data bandwidth.
 In all the markets we serve, we have launched initiatives to support fiber backhaul services to cell sites.  As of December 31,
2020, we had 3,589 cell sites in service and an additional 260 future sites pending completion.

Sales and Marketing

The key components of our overall marketing strategy include:

● Organizing  our  sales  and  marketing  activities  around  our  three  customer  channels:  consumer,  commercial  and

carrier customers;

●

●

●

●

Positioning ourselves as a single point of contact for our customers’ communications needs;

Providing customers with a broad array of data, voice and communication solutions;

Identifying  and  broadening  our  commercial  customer  needs  by  developing  solutions  and  providing  integrated
service offerings;

Providing excellent customer service, including 24/7 centralized customer support to coordinate installation of new
services, repair and maintenance functions and creating more self-service tools through our online customer portal;

● Developing and delivering new services to meet evolving customer needs and market demands; and

●

Leveraging our local presence and strong reputation across our market areas.

We currently offer our services through customer service call centers, our website, commissioned sales representatives and third-
party sales agents.  Our customer service call centers and dedicated sales teams serve as the primary sales channels for consumer,
commercial and carrier services.  Our sales efforts are supported by digital media, direct mail, bill inserts, radio, television and
internet advertising, public relations activities, community events and customer promotions.

In addition to our customer service call centers, customers can contact us through our website, online chat and social media.  Our
online  customer  portal  enables  customers  to  pay  their  bills,  manage  their  accounts,  order  new  services  and  utilize  self-service
help and support. Our priority is to continue enhancing our comprehensive customer care system in order to produce a high level
of customer satisfaction and loyalty, which is important to our ability to reduce churn and generate recurring revenues.

Business Strategies

Transform our Company into a dominate fiber gigabit broadband provider

In 2020, in connection with the Searchlight investment, we announced plans to upgrade and expand our fiber network through a
five-year  build  plan  with  construction  beginning  in  early  2021.  The  build  plan  will  include  the  upgrade  of  approximately  1.6
million  passings  to  fiber  enabling  multi  gigabit-capable  services  to  over  70%  of  our  passings  by  2025.  In  2021,  we  plan  to
upgrade more than 300,000 homes and small businesses with fiber services and faster broadband speeds. This marks the biggest
fiber  deployment  project  in  our  Company’s  history.  Our  strategy,  supported  by  the  Searchlight  investment,  is  to  meaningfully
upgrade our residential and small business network in those service territories with a predominantly copper-based infrastructure
to a FTTP network.  Of the planned upgrades, more than 1 million passings will be upgraded within the northern New England
service areas.  The upgraded network will be capable of providing up to 10 Gbps of symmetrical broadband, which we believe
will make us the only broadband provider in these markets capable of delivering 10 Gbps symmetrical broadband to consumers.
In addition to best-in-class upload and download speeds, we believe the resulting network will offer better reliability, improved
speed consistency, and a lower operating cost relative to competing broadband network technologies.  Given these benefits, we
believe that our fiber

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deployment strategy will allow us to realize meaningful improvements in ARPU, broadband subscriber penetration and customer
retention.

Continue to grow and invest in commercial and carrier services

Our commercial and carrier strategy is built on leveraging our dense fiber network in key markets to offer IP-based products and
services to our small and medium-sized business (“SMB”), enterprise and carrier customers. We will continue transitioning our
customer base away from legacy TDM-based products to fiber and IP-based data and transport services, where we see significant
opportunity to increase market share in our footprint. We will also make strategic network investments in both existing markets
and edge-out locations to enhance our footprint and increase on-net and near-net opportunities. These builds will be focused on
projects  with  high  revenue  visibility  and  attractive  payback  periods.  Our  carrier  strategy  entails  leveraging  our  dense  fiber
network and long-term relationships in key markets to expand our carrier partnerships and grow small cell and fiber-to-the-tower
connections.  Investing  not  just  in  the  network,  but  in  these  customer  relationships,  has  been  core  to  our  success.  Our  growth
strategy is also supported by the continuous evolution of our product offerings. We are regularly developing and enhancing our
suite  of  managed  and  cloud  services,  increasing  efficiency  and  enabling  greater  scalability  and  reliability  for  our  business
customers.  We  believe  that  by  developing  and  investing  in  next-generation  fiber-based  products,  we  will  be  able  to  further
support our customer needs for networking, communications, and collaboration services.

Improve the overall customer experience

We continue to evaluate our operations in order to improve and enhance the overall customer experience for all customers. In
conjunction with the five-year fiber build plan, we will also make significant investments in our back-office infrastructure. We
expect our full transformation to occur over a multi-year period, with significant consumer customer-facing enhancements to be
revealed later in 2021. Our planned enhancements include an improved customer portal where customers can manage all aspects
of  their  service.  We  will  launch  expanded  e-commerce,  omnichannel  customer  service  and  self-service  capabilities  for  all
customer  groups.  Our  digital  transformation  projects  will  improve  our  order  and  install  processes  making  the  transition  to  our
services more seamless than ever. Our sales process is also being redesigned in order to provide personalized sales channels and a
dedicated  care  team  for  our  fiber  customers.  We  have  a  culture  of  delivering  the  highest  quality  customer  service  experience
possible and will continue to make investments in our platforms in order to create a truly differentiated customer experience.

Competition

The  telecommunications  industry  is  subject  to  extensive  competition,  which  has  increased  significantly  in  recent  years.
 Technological  advances  have  expanded  the  types  and  uses  of  services  and  products  available.    In  addition,  differences  in  the
regulatory environment applicable to comparable alternative services have lowered costs for these competitors.  As a result, we
face heightened competition but also have new opportunities to grow our broadband business.  Our competitors vary by market
and  may  include  other  incumbent  and  competitive  local  telephone  companies;  cable  operators  offering  video,  data  and  VoIP
products; wireless carriers; long distance providers; satellite companies; Internet service providers, fixed wireless Internet service
providers (“WISPs”), online video providers and in some cases new forms of providers who are able to offer a broad range of
competitive services.  We expect competition to remain a significant factor affecting our operating results and that the nature and
extent of that competition will continue to increase in the future.  See Part I - Item 1A – “Risk Factors – Risks Relating to Our
Business”.

Depending on the market  area,  we compete  against Comcast,  Charter,  AT&T, Mediacom,  Armstrong,  Suddenlink, First Light,
NewWave Communications and a number of other carriers, in both the commercial and consumer markets. Our competitors offer
traditional  telecommunications  services  as  well  as  IP-based  services  and  other  emerging  data-based  services.  Our  competitors
continue to add features and adopt aggressive pricing and packaging for services comparable to the services we offer.

We continue to face competition from cable, wireless and other fiber data providers as the demand for substitute communication
services,  such  as  wireless  phones  and  data  devices,  continues  to  increase.    Customers  are  increasingly  foregoing  traditional
telephone  services  and  land-based  Internet  service  and  relying  exclusively  on  wireless  service.    Wireless  companies  are
aggressively developing networks using next-generation data technologies in order to provide increasingly faster data speeds to
their  customers.    In  addition,  the  expanded  availability  for  free  or  lower  cost  services,  such  as  video  over  the  Internet,
complimentary  Wi-Fi  service  and  other  streaming  devices  has increased  competition  among  other  providers.   In order  to offer
competitive services, we continue to invest in our network and business operations

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in order to offer new and enhanced services including faster broadband speeds, cloud-enabled services and additional over-the-
top video content.

In our rural markets,  services  are more costly to provide than services  in urban areas as a lower customer  density necessitates
higher  capital  expenditures  on  a  per-customer  basis.    As  a  result,  it  generally  is  not  economically  viable  for  new  entrants  to
overlap  existing  networks  in  rural  territories.    Despite  the  barriers  to  entry,  rural  telephone  companies  still  face  significant
competition from wireless and video providers and, to a lesser extent, competitive telephone companies.

Our other lines of business are subject to substantial competition from local, regional and national competitors.  In particular, our
wholesale and transport business serves other interexchange carriers and we compete with a variety of service providers including
incumbent and competitive local telephone companies and other fiber data companies.  For our business systems products, we
compete with other equipment providers or value added resellers, network providers, incumbent and competitive local telephone
companies, and with cloud and data hosting service providers.

We expect that competition across all of our customer channels will continue to intensify as new technologies develop and new
competition emerges.

Human Capital Resources

As of December 31, 2020, we employed approximately 3,200 employees, including part-time employees.  We also use temporary
employees in the normal course of our business.  Approximately 50% of our employees were covered by collective bargaining
agreements as of December 31, 2020.  For a more detailed discussion regarding how the collective bargaining agreements could
affect our business, see Part I - Item 1A – Risk Factors – “Risks Relating to Our Business”.

Our  employees  are  the  cornerstone  of  our  success.    We  are  committed  to  providing  meaningful,  challenging  work  and
opportunities for professional growth in a positive environment. To attract and retain qualified and experienced employees, we
offer competitive compensation and benefit packages, which we believe are competitive within the industry and the local markets
in which we operate. Our benefit packages, may include, among other items, incentive compensation based on the achievement
of financial targets, healthcare and insurance benefits, health savings and flexible spending accounts, a 401(k) savings plan with
an employer match, paid time off, and wellness and employee assistance programs. Additionally, for certain eligible directors and
employees, we provide long-term incentive compensation, in the form of restricted stock awards. In addition, we are committed
to  providing  employees  continuing  education  and  training  programs  in  order  for  employees  to  achieve  career  goals  and
professional growth.  

We  seek  high-quality  employees  of  all  backgrounds  and  experiences.  Honoring  our  employees  as  individuals  is  key  to  our
culture. We believe diversity of backgrounds contributes to different ideas, which in turn drives better results for customers. We
respect  differences  and  diversity  as  qualities  that  enhance  our  efforts  as  a  team  and  believe  in  and  support  the  principles
incorporated in all anti-discrimination and equal employment laws.

We  are  committed  to  workplace  health  and  safety.  In  2020,  in  response  to  the  COVID-19  pandemic,  we  implemented  safety
protocols and procedures to protect our employees, customers and business partners. These procedures included transitioning as
many  employees  as  possible  to  remote  work-from-home  arrangements,  providing  additional  safety  training  and  personal
protective equipment for customer-facing employees, and complying with social distancing and other health and safety measures
as required by federal, state and local governmental agencies.

Regulatory Environment

The following summary does not describe all existing and proposed legislation and regulations affecting the telecommunications
industry.    Regulation  can  change  rapidly  and  ongoing  proceedings  and  hearings  could  alter  the  manner  in  which  the
telecommunications industry operates.  We cannot predict the outcome of any of these developments, nor their potential impact
on us.  See Part I – Item 1A – “Risk Factors—Risks Related to the Regulation of Our Business”.

Overview

Our revenues, which include revenues from such telecommunications services as local telephone service, network access service
and  toll  service  are  subject  to  broad  federal  and/or  state  regulations.    The  telecommunications  industry  is  subject  to  extensive
federal, state and local regulation.  Under the Telecommunications Act of 1996 (the “Telecommunications

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Act”),  federal  and  state  regulators  share  responsibility  for  implementing  and  enforcing  statutes  and  regulations  designed  to
encourage competition and to preserve and advance widely available, quality telephone service at affordable prices.

At the federal level, the FCC generally exercises jurisdiction over facilities and services of local exchange carriers, such as our
rural  telephone  companies,  to  the  extent  they  are  used  to  provide,  originate  or  terminate  interstate  or  international
communications.  The FCC has the authority to condition, modify, cancel, terminate or revoke our operating authority for failure
to comply with applicable federal laws or FCC rules, regulations and policies.  Fines or penalties also may be imposed for any of
these violations.

State regulatory commissions  generally exercise  jurisdiction over carriers’  facilities  and services  to the extent they are used to
provide, originate or terminate intrastate communications.  In particular, state regulatory agencies have substantial oversight over
interconnection and network access by competitors of our rural telephone companies.  In addition, municipalities and other local
government agencies regulate the public rights-of-way necessary to install and operate networks.  State regulators can sanction
our rural telephone companies or revoke our certifications if we violate relevant laws or regulations.

Federal Regulation

Our incumbent local exchange companies and competitive local exchange companies must comply with the Communications Act
of 1934, which requires, among other things, that telecommunications carriers offer services at just and reasonable rates and on
non-discriminatory  terms  and  conditions.
 The  1996  amendments  to  the  Communications  Act  (contained  in  the
Telecommunications  Act  discussed  below)  dramatically  changed,  and  likely  will  continue  to  change,  the  landscape  of  the
industry.

Access Charges

On November 18, 2011, the FCC released its comprehensive order on intercarrier compensation (“ICC”) and universal service
reform.    Intrastate  network  access  charges  are  regulated  by  state  commissions.    The  FCC  order  on  ICC  and  universal  service
reform  required  terminating  state  access  charges  to  mirror  terminating  interstate  access  charges,  and  as  of  July  1,  2013,  all
terminating switched intrastate access charges mirror interstate access charges.

The FCC has structured these prices as a combination of flat monthly charges paid by customers and both usage-sensitive (per-
minute) charges and flat monthly charges paid by long-distance or other carriers.

The FCC regulates interstate network access charges by imposing price caps on Regional Bell Operating Companies (“RBOCs”)
and  other  large  incumbent  telephone  companies.    Some  of  our  properties  operate  as  RBOCs  under  price  cap  regulation  while
some operate under rate of return regulation for interstate purposes.  These price caps can be adjusted based on various formulas,
such as inflation and productivity, and otherwise through regulatory proceedings.  Incumbent telephone companies, such as our
incumbent local exchange companies, may elect to base network access charges on price caps, but are not required to do so.  

We  believe  that  price  cap  regulation  gives  us  greater  pricing  flexibility  for  interstate  services,  especially  in  the  increasingly
competitive  special  access  market.    It  also  provides  us  with  the  potential  to  increase  our  net  earnings  by  becoming  more
productive  and  introducing  new  services.    As  we  have  acquired  new  properties,  we  have  converted  them  to  federal  price  cap
regulation.

In recent years, carriers have become more aggressive in disputing the FCC’s interstate access charge rates and the application of
access  charges  to  their  telecommunications  traffic.    We  believe  these  disputes  have  increased,  in  part,  because  advances  in
technology  have  made  it  more  difficult  to  determine  the  identity  and  jurisdiction  of  traffic,  giving  carriers  an  increased
opportunity to challenge access costs for their traffic.  We cannot predict what other actions other long-distance carriers may take
before  the  FCC  or  with  their  local  exchange  carriers,  including  our  incumbent  local  exchange  companies,  to  challenge  the
applicability of access charges.  Due to the increasing deployment of VoIP services and other technological changes, we believe
these types of disputes and claims are likely to continue to increase.

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Unbundled Network Element Rules

In 2019, the FCC issued two orders on Unbundled Network Element (“UNE”) forbearance.  The first order addressed wholesale
discounts  on  resold  services  and  Voice  Grade  analog  UNE  loops  and  the  second  order  (“Transport  Order”),  addressed  UNE
transport between competitive wire centers.  Both orders provide a three-year transition period.

The Transport Order addresses two separate but related topics.  One is the relief from transport UNEs and the other is to respond
to a remand on its Business Data Services (“BDS”) order.  BDS was previously known as Special Access and like services.   The
FCC broadly deregulated BDS services in 2017.  This decision was appealed and the Court upheld the order but vacated the BDS
transport  relief  because  the  Court  decided  that  the  FCC  had  not  provided  sufficient  notice  intended  to  deregulate  all  BDS
transport services.  The Court was convinced not to act on the vacated rules since the ILECs could not easily restore the regulated
services.  The FCC addressed this issue in the same order used to provide forbearance relief on UNE transport.

In 2020, Consolidated renegotiated its Wholesale Performance Plans (“WPP”) in Maine, New Hampshire and Vermont to comply
with the FCC’s UNE forbearance order issued in 2019.

Promotion of Universal Service

In  general,  telecommunications  service  in  rural  areas  is  costlier  to  provide  than  service  in  urban  areas.    The  lower  customer
density  means  that  switching  and  other  facilities  serve  fewer  customers  and  loops  are  typically  longer,  requiring  greater
expenditures per customer to build and maintain.  By supporting the high cost of operations in rural markets, Universal Service
Fund (“USF”) subsidies promote widely available, quality telephone service at affordable prices in rural areas.  Revenues from
federal and certain states’ USFs totaled $72.0 million, $72.4 million and $83.4 million in 2020, 2019 and 2018, respectively.  

FCC Access Charge and Universal Service Reform Order

In November 2011, the FCC released a comprehensive order on access charge and universal service reform (the “Order”).  The
access charge portion of the Order systematically reduces minute-of-use-based interstate access, intrastate access and reciprocal
compensation rates over a six to nine-year period to an end state of bill-and-keep, in which each carrier recovers the costs of its
network through charges to its own subscribers, rather than through ICC.  The reductions apply to terminating access rates and
usage, with originating access to be addressed by the FCC in a later proceeding.  To help with the transition to bill-and-keep, the
FCC created two mechanisms.  The first is an Access Recovery Mechanism (“ARM”) which is funded from the Connect America
Fund (“CAF”), and the second is an Access Recovery Charge (“ARC”) which is recovered from end users.  The universal service
portion of the Order redirects support from voice services to broadband services, and is now called the CAF.  

The Order requires rate of return study areas associated with holding companies to be treated as price cap carriers for universal
service funding.  For ICC purposes, these rate of return carriers fall under the rate of return ICC transition plan.  Price cap study
areas fall under the price cap rules for both universal service reform and ICC reform.

In  December  2014,  the  FCC  released  a  report  and  order  that  addressed,  among  other  things,  the  transition  to  CAF  Phase  II
funding  for  price  cap  carriers  and  the  acceptance  criteria  for  CAF  Phase  II  funding.    Companies  are  required  to  commit  to  a
statewide build out requirement of 10 Mbps downstream and 1 Mbps upstream in funded locations.

Our  current  annual  support  through  the  FCC’s  CAF  Phase  II  funding  is  $48.1  million  through  2021  as  described  below.    The
specific  obligations  associated  with  CAF  Phase  II  funding  include  the  obligation  to  serve  approximately  124,500  locations  by
December  31,  2020  (with  interim  milestones  of  40%,  60%  and  80%  completion  by  December  2017,  2018  and  2019,
respectively);  to  provide  broadband  service  to  those  locations  with  speeds  of  10  Mbps  downstream  and  1  Mbps  upstream;  to
achieve latency of less than 100 milliseconds; to provide data of at least 100 gigabytes per month; and to offer pricing reasonably
comparable to pricing in urban areas.  The Company met the milestones for 2017 through 2020 for all states where it operates.

We accepted CAF Phase II support in all of our operating states except Colorado and Kansas where the offered CAF Phase II
support was declined.  We continued to receive annual frozen CAF Phase I support of $1.0 million in Colorado and Kansas until
April 2019, when the FCC CAF Phase II auction assigned support to another provider.

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In April 2019, the FCC announced plans for the Rural Digital Opportunity Fund (“RDOF”), the next phase of the CAF program.
The RDOF is a $20.4 billion fund to bring speeds of 25 Mbps downstream and 3 Mbps upstream to unserved and underserved
areas  of  America.    The  FCC  issued  a  Notice  of  Proposed  Rulemaking  at  their  August  2019  Open  Commission  Meeting.    The
order prioritizes terrestrial broadband as a bridge to rural 5G networks by providing a significant weight advantage to traditional
broadband  providers.    Funding  will  occur  in  two  phases  with  the  first  phase  auctioning  $16.0  billion  and  the  second  phase
auctioning  $4.4  billion,  each  to  be  distributed  over  10  years.    The  minimum  speed  required  to  receive  funding  is  25  Mbps
downstream and 3 Mbps upstream.  CAF Phase II funding has been extended through December 31, 2021 for price cap holding
companies.  The FCC has issued the final census block groups with locations and reserve price.  We filed the RDOF short form
application on July 14, 2020 and were listed as a qualified bidder by the FCC on October 13, 2020 and participated in the auction.
 The auction began on October 29, 2020 and ended on November 24, 2020.  Consolidated won 246 census block groups serving
in  seven  states.    The  bids  we  won  are  at  the  1  Gbps  downstream  and  500  Mbps  upstream  speed  tier  to  approximately  27,000
locations at a funding level of $5.9 million annually over 10 years.  Consolidated filed its long form application with supporting
documents on January 29, 2021.

State Regulation

We are subject to regulation by state governments in various states in which we operate.  State regulatory commissions generally
exercise jurisdiction over intrastate matters and other requirements.   In recent years, most states have reduced their regulation of
ILECs,  including  our  ILEC  operations.  Nonetheless,  state  regulatory  commissions  generally  continue  to  (i)  set  the  rates  that
telecommunication companies charge each other for exchanging traffic, (ii) administer support programs designed to subsidize
the  provision  of  services  to  high-cost  rural  areas,  (iii)  regulate  the  purchase  and  sale  of  ILECs,  (iv)  require  ILECs  to  provide
service under publicly-filed tariffs setting forth the terms, conditions and prices of regulated services, (v) limit ILECs' ability to
borrow and pledge their assets, (vi) regulate transactions between ILECs and their affiliates and (vii) impose various other service
standards.  In most states, switched and BDS and interconnection services are subject to price regulation, although the extent of
regulation varies by type of service and geographic region.

We  operate  in  states  where  traditional  cost  recovery  mechanisms,  including  state  USF,  are  under  evaluation  or  have  been
modified.  As the states continue to assess their laws and implement various regulations changes, there can be no assurance that
these mechanisms will continue to provide us with the same level of cost recovery we historically received.

Local Government Authorizations

In  the various  states  we  operate  in, we operate  under  a  structure  in  which each  municipality  or other  regulatory  agencies  may
impose  various  fees,  such  as  for  the  privilege  of  originating  and  terminating  messages  and  placing  facilities  within  the
municipality, for obtaining permits for street opening and construction, and/or for operating franchises to install and expand fiber
optic facilities.  

Regulation of Broadband and Internet Services

Video Services

Our cable television subsidiaries each require a state or local franchise or other authorization in order to provide cable service to
customers.  Each of these subsidiaries is subject to regulation under a framework that exists in Title VI of the Communications
Act.

Under this framework, the responsibilities and obligations of franchising bodies and cable operators have been carefully defined.
 The law addresses such issues as the use of local streets and rights-of-way; the carriage of public, educational and governmental
channels;  the  provision  of  channel  space  for  leased  commercial  access;  the  amount  and  payment  of  franchise  fees;  consumer
protection and similar issues.  In addition, Federal laws place limits on the common ownership of cable systems and competing
multichannel video distribution systems, and on the common ownership of cable systems and local telephone systems in the same
geographic area.  Many provisions of the federal law have been implemented through FCC regulations.  The FCC has expanded
its  oversight  and  regulation  of  the  cable  television-related  matters  recently.    In  some  cases,  it  has  acted  to  assure  that  new
competitors in the cable television business are able to gain access to potential customers and can also obtain licenses to carry
certain types of video programming.

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Internet Services

The provision of Internet access services is not significantly regulated by either the FCC or the state commissions.  The Federal
Trade Commission (“FTC”) has authority to regulate Internet Service Providers with respect to privacy and competitive practices.
 In  2017,  the  FCC  adopted  an  order  eliminating  its  previous  classification  of  Internet  service  as  a  telecommunications  service
regulated under Title II of the Telecommunications Act of 1996.  This effectively limits the FCC’s authority over Internet Service
Providers.  The FCC retained rules requiring Internet Service Providers to disclose practices associated with blocking, throttling
and paid prioritization of Internet traffic.  The FCC order has been challenged in court and the outcome of the challenge cannot
be determined at this time.  

The outcome of pending matters before the FCC and the FTC and any potential congressional action cannot be determined at this
time but could lead to increased costs for the Company in connection with our provision of Internet services, and could affect our
ability to compete in the markets we serve.

FairPoint Merger Requirements

As part of our acquisition of FairPoint Communications, Inc. (“FairPoint”) in 2017, we have regulatory commitments that vary
by state, some of which required capital investments in our network over several years through 2020.  The requirements included
improved data speeds and other service quality improvements in select locations primarily in our northern New England, New
York and Illinois markets.  In New Hampshire and Vermont, we were required to invest 13% and 14%, respectively, of total state
revenues  in  capital  improvements  per  year  for  2018,  2019  and  2020.    For  our  service  territory  in  Maine,  we  were  required  to
make  capital  expenditures  of  $16.4  million  per  year  from  2018  through  2020.    In  addition,  we  were  required  to  invest  an
incremental $1.0 million per year in each of these three states for service quality improvements.  In New York, we were required
to invest $4.0 million over three years to expand the broadband network to over 300 locations.  In Illinois, we were required to
invest an additional $1.0 million by the end of 2018 to increase broadband availability and speeds in areas served by the FairPoint
Illinois ILECs.  We met all of the regulatory commitments for 2017 through 2020 for Maine, New Hampshire and Vermont.   We
completed  merger  requirements  for  Illinois  in  December  2018  and  New  York  in  June  2020,  both  within  the  required  time
commitment.

CARES Act Funding

States are reviewing opportunities to use federal Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) funding to
assist in the deployment of broadband to unserved and underserved areas within their respective states.  All broadband build outs
were required to be completed by December 31, 2020 in order to receive funding.  New Hampshire allocated $50.0 million of
CARES Act funding to fund broadband expansion to unserved and underserved locations throughout the state. Consolidated was
granted up to $3.5 million to build high-speed Internet networks for homes and businesses in New Hampshire towns of Danbury,
Springfield and Mason.  The state funded 10% upfront with the remainder received upon completion of projects by December 31,
2020.  

COVID-19

On March 13, 2020, the FCC issued a pledge to Keep America Connected through May 13, 2020, which was later extended to
June  30,  2020.    The  pledge  asked  all  communications  providers  to  not  terminate  service  to  any  residential  or  small  business
customers because of their inability to pay their bills due to the disruptions caused by the coronavirus pandemic; to waive any late
fees  that  any residential  or small  business  customers  incur  because  of  their  economic  circumstances  related  to  the coronavirus
pandemic; and to open their Wi-Fi hotspots to any American who needs them.

Consolidated signed on to the pledge through June 30, 2020.  Several states took the FCC pledge a step further by not allowing
any carrier to disconnect service within their state during the Governors’ declared state of emergency, which Consolidated also
supported.  

Available Information

Our Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and amendments to reports
filed or furnished pursuant to Sections 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, are available free of
charge on our website at www.consolidated.com, as soon as reasonably practicable after we electronically file such material with,
or furnish it to, the SEC.  Our website also contains copies of our Corporate Governance Principles,

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Code of Business Conduct and Ethics and charter of each committee of our Board of Directors.  The information found on our
website is not part of this report or any other report we file with or furnish to the SEC.  The public may read and copy reports,
proxy and information statements and other information we file with the SEC at the SEC’s website at www.sec.gov.

Item 1A.  Risk Factors.

Our  operations  and  financial  results  are  subject  to  various  risks  and  uncertainties,  including  but  not  limited  to  those  described
below, that could adversely affect our business, financial condition, results of operations, cash flows and the trading price of our
common stock.

Risks Relating to Our Business

We expect to continue to face significant competition in all parts of our business and the level of competition could intensify
among  our  customer  channels.    The  telecommunications  industry  is  highly  competitive.    We  face  actual  and  potential
competition from many existing and emerging companies, including other incumbent and competitive local telephone companies,
long-distance  carriers  and  resellers,  wireless  companies,  Internet  service  providers,  satellite  companies  and  cable  television
companies, and, in some cases, new forms of providers who are able to offer competitive services through software applications
requiring a comparatively small initial investment. Due to consolidations and strategic alliances within the industry, we cannot
predict the number of competitors we will face at any given time.

The  wireless  business  has  expanded  significantly  and  has  caused  many  subscribers  with  traditional  telephone  and  land-based
Internet access services to give up those services and rely exclusively on wireless service.  In addition, consumers’ options for
viewing television shows have expanded as content becomes increasingly available through alternative sources.  Some providers,
including  television  and  cable  television  content  owners,  have  initiated  Over-The-Top  (“OTT”)  services  that  deliver  video
content  to  televisions,  computers  and  other  devices  over  the  Internet.    OTT  services  can  include  episodes  of  highly-rated
television series in their current broadcast seasons.  They can also include content that is related to broadcast or sports content
that we carry, but that is distinct and may be available only through the alternative source. Consumers can pursue each of these
options without foregoing any of the other options.  We may not be able to successfully anticipate and respond to many of the
various  competitive  factors  affecting  the  industry,  including  regulatory  changes  that  may  affect  our  competitors  and  us
differently, new technologies, services and applications that may be introduced, changes in consumer preferences, demographic
trends, and discount or bundled pricing strategies by competitors.

The incumbent telephone carriers in the markets we serve enjoy certain business advantages, including size, financial resources,
favorable regulatory position, a more diverse product mix, brand recognition and connection to virtually all of our customers and
potential  customers.    The  largest  cable  operators  also  enjoy  certain  business  advantages,  including  size,  financial  resources,
ownership of or superior access to desirable programming and other content, a more diverse product mix, brand recognition and
first-in-field advantages with a customer base that generates positive cash flow for its operations.  Our competitors continue to
add features, increase data speeds and adopt aggressive pricing and packaging for services comparable to the services we offer.
 Their  success  in  selling  services  that  are  competitive  with  ours  among  our  various  customer  channels  could  lead  to  revenue
erosion in our business.  We face intense competition in our markets for long-distance, Internet access, video service and other
ancillary services that are important to our business and to our growth strategy.  If we do not compete effectively we could lose
customers, revenue and market share.

We must adapt to rapid technological changes.  If we are unable to take advantage of technological developments, or if we
adopt and implement them at a slower rate than our competitors, we may experience a decline in the demand for our services.
 Our  industry  operates  in  a  technologically  complex  environment.    New  technologies  are  continually  developed  and  existing
products  and  services  undergo  constant  improvement.    Emerging  technologies  offer  consumers  a  variety  of  choices  for  their
communication and broadband needs.  To remain competitive, we will need to adapt to future changes in technology to enhance
our  existing  offerings  and  to  introduce  new  or  improved  offerings  that  anticipate  and  respond  to  the  varied  and  continually
changing demands of our various customer channels.  Our business and results of operations could be adversely affected if we are
unable  to  match  the  benefits  offered  by  competing  technologies  on  a  timely  basis  and  at  an  acceptable  cost,  or  if  we  fail  to
employ technologies desired by our customers before our competitors do so.

New technologies, particularly alternative methods for the distribution, access and viewing of content, have been, and will likely
continue  to  be,  developed  that  will  further  increase  the  number  of  competitors  that  we  face  and  drive  changes  in  consumer
behavior.  Consumers seek more control over when, where and how they consume content and are increasingly

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interested in communication services outside of the home and in newer services in wireless Internet technology and devices such
as tablets, smartphones and mobile wireless routers that connect to such devices. These new technologies, distribution platforms
and consumer behaviors may have a negative impact on our business.

In addition, evolving technologies can reduce the costs of entry for others, resulting in greater competition and significant new
advantages for competitors.  Technological developments could require us to make significant new capital investments in order to
remain  competitive  with other  service  providers.   If we do not  replace  or upgrade  our network  and its  technology  on a timely
basis, we may not be able to compete effectively  and could lose customers.  We may also be placed at a cost disadvantage in
offering  our  services.  Technology  changes  are  also  allowing  individuals  to  bypass  telephone  companies  and  cable  operators
entirely  to  make  and  receive  calls,  and  to  provide  for  the  distribution  and  viewing  of  video  programming  without  the  need  to
subscribe to traditional voice and video products and services.  Increasingly, this can be done over wireless facilities and other
emerging  mobile  technologies  in  addition  to  traditional  wired  networks.    Wireless  companies  are  aggressively  developing
networks  using  next-generation  data  technologies,  which  are  capable  of  delivering  high-speed  Internet  service  via  wireless
technology to a large geographic footprint.  As these technologies continue to expand in availability and reliability, they could
become  an  effective  alternative  to  our  high-speed  Internet  services.    Although  we  use  fiber  optics  in  parts  of  our  networks,
including in some residential areas, we continue to rely on coaxial cable and copper transport media to serve customers in many
areas.  The facilities we use to offer our video services, including the interfaces with customers, are undergoing a rapid evolution,
and depend in part on the products, expertise and capabilities of third-parties.  If we cannot develop new services and products to
keep pace with technological advances, or if such services and products are not widely embraced by our customers, our results of
operations could be adversely impacted.

Shifts in our product mix may result in a decline in operating profitability.  Margins vary among our products and services.
 Our profitability may be impacted by technological changes, customer demands, regulatory changes, the competitive nature of
our business and changes in the product mix of our sales.  These shifts may also result in our long-lived assets becoming impaired
or  our  inventory  becoming  obsolete.    We  review  long-lived  assets  for  potential  impairment  if  certain  events  or  changes  in
circumstances indicate that impairment may be present.  We currently manage potential inventory obsolescence through reserves,
but future technology changes may cause inventory obsolescence to exceed current reserves.

We  receive  cash  distributions  from  our  wireless  partnership  interests.    The  amount  and  continued  receipt  of  such  future
distributions  is  not  guaranteed.    We  own  five  wireless  partnership  interests  consisting  of  2.34%  of  GTE  Mobilnet  of  South
Texas Limited Partnership, which provides cellular service in the Houston, Galveston and Beaumont, Texas metropolitan areas;
3.60% of Pittsburgh SMSA Limited Partnership, which provides cellular service in and around the Pittsburgh metropolitan area;
20.51%  of  GTE  Mobilnet  of  Texas  RSA  #17  Limited  Partnership  (“RSA  #17”);  16.67%  of  Pennsylvania  RSA  6(I)  Limited
Partnership (“RSA 6(I)”) and 23.67% of Pennsylvania RSA 6(II) Limited Partnership (“RSA 6(II)”).  RSA #17 provides cellular
service to a limited rural area in Texas.  RSA 6(I) and RSA 6(II) provide cellular service in and around our Pennsylvania service
territory.

In 2020, 2019 and 2018, we received cash distributions from these partnerships of $41.5 million, $35.8 million and $39.1 million,
respectively.    The  cash  distributions  we  receive  from  these  partnerships  are  based  on  our  percentage  of  ownership,  the
partnerships’  operating  results,  cash  availability  and  financing  needs  as  determined  by  the  General  Partner  at  the  date  of  the
distribution.  We cannot control the timing, amount or certainty of any future cash distributions from these partnerships.  If cash
distributions  from  these  partnerships  are reduced  or eliminated,  our results  of operations  could be adversely  affected,  and as a
result, our ability to fulfill our long-term obligations may be restricted.  

A  disruption  in  our  networks  and  infrastructure  could  cause  service  delays  or  interruptions,  which  could  cause  us  to  lose
customers and incur additional expenses.  Our customers depend on reliable service over our network.  The primary risks to our
network  infrastructure  include  physical  damage  to  lines,  security  breaches,  capacity  limitations,  power  surges  or  outages,
software  defects  and disruptions  beyond our control,  such as natural  disasters  and acts  of terrorism.   From time  to time  in the
ordinary  course  of  business,  we  experience  short  disruptions  in  our  service  due  to  factors  such  as  physical  damage,  inclement
weather and service failures of our third-party service providers.  We could experience more significant disruptions in the future.
 Disruptions may cause service interruptions or reduced capacity for customers, either of which could cause us to lose customers
and incur unexpected expenses.

A  cyber-attack  may  lead  to  unauthorized  access  to  confidential  customer,  personnel  and  business  information  that  could
adversely affect our business.  Attempts by others to gain unauthorized access to organizations' information

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technology systems are becoming more frequent and sophisticated, and are sometimes successful. These attempts may include
covertly introducing malware to companies' computers and networks, impersonating authorized users or "hacking" into systems.
 We seek to prevent, detect and investigate all security incidents that do occur, however we may be unable to prevent or detect a
significant  attack  in  the  future.    Significant  information  technology  security  failures  could  result  in  the  theft,  loss,  damage,
unauthorized use or publication of our confidential business information, which could harm our competitive position, subject us
to additional regulatory scrutiny, expose us to litigation or otherwise adversely affect our business.  If a security breach results in
misuse of our customers' confidential information, we may incur liability as a result.

Our  operations  require  substantial  capital  expenditures  and  our  business,  financial  condition,  results  of  operations  and
liquidity  may  be  impacted  if  funds  for  capital  expenditures  are  not  available  when  needed.    We  require  significant  capital
expenditures to maintain, upgrade and enhance our network facilities  and operations.  While we have historically  been able to
fund capital expenditures from cash generated from operations and borrowings under our revolving credit facility, the other risk
factors  described  in  this  section  could  materially  reduce  cash  available  from  operations  or  significantly  increase  our  capital
expenditure  requirements,  which  may  result  in  our  inability  to  fund  the  necessary  level  of  capital  expenditures  to  maintain,
upgrade or enhance our network.  This could adversely affect our business, financial condition, results of operations and liquidity.

If we cannot obtain and maintain necessary rights-of-way for our network, our operations may be interrupted and we could be
faced  with  increased  costs.    We  are  dependent  on  easements,  franchises  and  licenses  from  various  private  parties,  such  as
established  telephone  companies  and  other  utilities,  railroads,  long-distance  companies,  state  highway  authorities,  local
governments  and  transit  authorities  for  access  to  aerial  pole  space,  underground  conduits  and  other  rights-of-way  in  order  to
construct and operate our networks.  Some agreements relating to rights-of-way may be short-term or revocable at will, and we
cannot  be  certain  that  we  will  continue  to  have  access  to  existing  rights-of-way  after  the  governing  agreements  terminate  or
expire.  If any of our right-of-way agreements were terminated or could not be renewed, we may be forced to remove, relocate or
abandon our network facilities in the affected areas, which could interrupt our operations, force us to find alternative rights-of-
way and incur unexpected capital expenditures.

We may be unable to obtain necessary hardware, software and operational support from third-party vendors.  We depend on
third-party  vendors to supply us with a significant  amount of hardware, software and operational support necessary to provide
certain of our services, to maintain, upgrade and enhance our network facilities and operations, and to support our information
and  billing  systems.    Some  of  our  third-party  vendors  are  our  primary  source  of  supply  for  certain  products  and  services  for
which there are few substitutes.  If any of these vendors should experience financial difficulties, have demand that exceeds their
capacity  or  can  no  longer  meet  our  specifications,  our  ability  to  provide  some  services  may  be  hindered,  in  which  case  our
business, financial condition and results of operations may be adversely affected.

Video content costs are substantial and continue to increase.  We expect video content costs to continue to be one of our largest
operating costs associated with providing video service. Video programming content includes network programming designed to
be shown in linear channels, as well as the programming of local over-the-air television stations that we retransmit.  The cable
industry  has  experienced  continued  increases  in the  cost of  programming,  especially  the cost of  sports programming  and local
broadcast station retransmission content.  Programming costs are generally assessed on a per-subscriber basis, and therefore, are
directly related to the number of subscribers to which the programming is provided.  Our relatively small subscriber base limits
our ability to negotiate lower per-subscriber programming costs.  Larger providers can often qualify for discounts based on the
number of their subscribers.  This cost difference can cause us to experience reduced operating margins, while our competitors
with  a  larger  subscriber  base  may  not  experience  similar  margin  compression.    In  addition,  escalators  in  existing  content
agreements can result in cost increases that exceed general inflation.  While we expect video content costs to continue to increase,
we may not be able to pass such cost increases on to our customers, especially as an increasing amount of programming content
becomes available via the Internet at little or no cost.  Also, some competitors or their affiliates own programming in their own
right and we may not be able to secure license rights to that programming.  As our programming contracts with content providers
expire, there is no assurance that they will be renewed on acceptable terms or that they will be renewed at all, in which case we
may not be able to provide such programming as part of our video services packages and our business and results of operations
may be adversely affected.

We have employees who are covered by collective bargaining agreements.  If we are unable to enter into new agreements or
renew existing agreements timely, we could experience work stoppages or other labor actions that could materially disrupt our
business of providing services to our customers.  As of December 31, 2020, approximately 50% of our

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employees  were  covered  by  collective  bargaining  agreements.    These  employees  are  hourly  workers  throughout  our  service
territories and are represented by various unions and locals.  Our existing collective bargaining agreements expire between 2021
through 2023, of which contracts covering 77% of our employees will expire in 2021.

We cannot predict the outcome of the negotiations related to the collective bargaining agreements covering our employees.  If we
are unable to reach new agreements or renew existing agreements, employees subject to collective bargaining agreements may
engage  in  strikes,  work  stoppages  or  slowdowns,  or  other  labor  actions,  which  could  materially  disrupt  our  ability  to  provide
services to our customers.  New labor agreements, or the renewal of existing agreements, may impose significant new costs on
us, which could adversely affect our financial condition and result of operations.  While we believe our relations with the unions
representing  these  employees  are  good,  any  protracted  labor  disputes  or  labor  disruptions  by  our  employees  could  negatively
impact our business.

Our ability to attract and/or retain certain key management and other personnel in the future could have an adverse effect on
our business.  We rely on the talents and efforts of key management personnel, many of whom have been with our company or in
our  industry  for  decades.    While  we  maintain  long-term  and  emergency  transition  plans  for  key  management  personnel  and
believe we could either identify internal candidates or attract outside candidates to fill any vacancy created by the loss of any key
management personnel, the loss of one or more of our key management personnel could have a negative impact on our business.

Acquisitions present many risks and we may be unable to realize the anticipated benefits of acquisitions.  From time to time,
we make acquisitions and investments or enter into other strategic transactions.  In connection with these types of transactions,
we  may  incur  unanticipated  expenses;  fail  to  realize  anticipated  benefits;  have  difficulty  integrating  the  acquired  businesses;
disrupt relationships with current and new employees, customers and vendors; incur significant indebtedness or have to delay or
not proceed with announced transactions.  The occurrence of any of the foregoing events could have a material adverse effect on
our business, financial condition, results of operations and cash flows.

We  may  face  significant  challenges  in  combining  the  operations  of  an  acquired  business  with  ours  in  a  timely  and  efficient
manner.  The failure to successfully integrate an acquired business and to successfully manage the challenges presented by the
integration  process  may  result  in  our  inability  to  achieve  anticipated  benefits  of  the  acquisition,  including  operational  and
financial synergies.  Even if we are successful in integrating acquired businesses, we cannot guarantee that the integration will
result in the complete realization of anticipated financial synergies or that they will be realized within the expected time frames.

Public health threats, such as the recent outbreak of COVID-19, could have a material adverse effect on our business, results
of operations, cash flows and stock price.  We may face risks associated with public health threats or outbreaks of epidemic,
pandemic or communicable diseases, such as the outbreak of the coronavirus (“COVID-19”) and its variants.  The COVID-19
pandemic  has  negatively  impacted  the  global  economy,  financial  markets  and  supply  chains  and  has  resulted  in  increased
unemployment  levels.    The  outbreak  has  resulted  in  federal,  state  and  local  governments  implementing  mitigation  measures,
including shelter-in-place orders, travel restrictions, limitations on business, school closures and other measures.  Governments
have enacted fiscal and monetary stimulus measures to counteract the impacts of COVID-19.

As a critical infrastructure provider, we have continued to operate our business and provide services to our customers.  Although
we  are  considered  an  essential  business,  the  outbreak  of  COVID-19  and  any  preventive  or  protective  actions  implemented  by
governmental authorities may have a material adverse effect on our operations, customers and suppliers and could do so for an
indefinite  period  of  time.    Adverse  economic  and  market  conditions  as  a  result  of  COVID-19  could  also  adversely  affect  the
demand  for  our  products  and  services  and  may  also  impact  the  ability  of  our  customers  to  satisfy  their  obligations  to  us.  In
addition,  concerns  regarding  the  economic  impact  of  COVID-19  have  caused  volatility  in  financial  and  other  capital  markets
which has and may continue to adversely affect the market price of our common stock and our ability to access capital markets.
 In  response  to  the  COVID-19  pandemic,  we  have  transitioned  a  substantial  number  of  our  employees  to  telecommuting  and
remote  work  arrangements,  which  may  increase  the  risk  of  a  security  breach  or  cybersecurity  attack  on  our  information
technology systems that could impact our business.

We cannot reasonably estimate at this time the resulting future financial impact of COVID-19 on our business, but it could have a
material  adverse  effect  to  our  results  of  operations,  financial  condition  and  liquidity.    The  extent  to  which  the  COVID-19
pandemic  may  adversely  impact  our  business,  results  of  operations,  financial  condition  and  liquidity  will  depend  on  future
developments, which are highly uncertain and unpredictable, including the severity and duration of the

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outbreak, the effectiveness of actions taken to contain or mitigate its effects and any resulting economic downturn, recession or
depression in the markets we serve.

Risks Relating to Current Economic Conditions

Unfavorable  changes  in  financial  markets  could  adversely  affect  pension  plan  investments  resulting  in  material  funding
requirements to meet our pension obligations.  We expect that we will continue to make future cash contributions to our pension
plans,  the  amount  and  timing  of  which  will  depend  on  various  factors  including  funding  regulations,  future  investment
performance,  changes  in  future  discount  rates  and  mortality  tables  and  changes  in  participant  demographics.    Unfavorable
fluctuations or adverse changes in any of these factors, most of which are outside our control, could impact the funded status of
the plans and increase future funding requirements.  Returns generated on plan assets have historically funded a large portion of
the benefits paid under these plans.  If the financial markets experience a downturn and returns fall below the estimated long-term
rate  of  return,  our  future  funding  requirements  could  increase  significantly,  which  could  adversely  affect  our  cash  flows  from
operations.

Weak  economic  conditions  may  have  a  negative  impact  on  our  business,  results  of  operations  and  financial  condition.
 Downturns in the economic conditions in the markets and industries we serve could adversely affect demand for our products
and services and have a negative impact on our results of operations.  Economic weakness or uncertainty may make it difficult
for  us  to  obtain  new  customers  and  may  cause  our  existing  customers  to  reduce  or  discontinue  their  services  to  which  they
subscribe.  This risk may be worsened by the expanded availability of free or lower cost services, such as video over the Internet
or substitute services, such as wireless phones and data devices.  Weak economic conditions may also impact the ability of third
parties to satisfy their obligations to us.

Risks Relating to Our Common Stock

The price of our common stock may be volatile and may fluctuate substantially, which could negatively affect holders of our
common  stock.    The  market  price  of  our  common  stock  may  fluctuate  widely  as  a  result  of  various  factors  including,  but  not
limited to, period-to-period fluctuations in our operating results, the volume of sales of our common stock, the limited number of
holders  of  our  common  stock  and  the  resulting  limited  liquidity  in  our  common  stock,  dilution,  developments  in  the
communications  industry,  the  failure  of  securities  analysts  to  cover  our  common  stock,  changes  in  financial  estimates  by
securities analysts, short interests in our common stock, competitive factors, regulatory developments, labor disruptions, general
market conditions and market conditions affecting the stock of communications companies.  Communications companies have, in
the past, experienced extreme volatility in the trading prices and volumes of their securities, which has often been unrelated to
operating performance.  High levels of market volatility may have a significant adverse effect on the market price of our common
stock.  In addition, in the past, securities class action litigation has often been instituted against companies following periods of
volatility  in  their  stock  price.    This  type  of  litigation  could  result  in  substantial  costs  and  divert  management's  attention  and
resources, which could have a material adverse impact on our business, financial condition, results of operations, liquidity and/or
the market price of our common stock.

Our  organizational  documents  could  limit  or  delay  another  party’s  ability  to  acquire  us  and,  therefore,  could  deprive  our
investors of a possible takeover premium for their shares.  A number of provisions in our amended and restated certificate of
incorporation and bylaws could make it difficult for another company to acquire us.  Among other things, these provisions:

● Divide our Board of Directors into three classes, which results in roughly one-third of our directors being elected

each year;

●

Provide that directors may only be removed for cause and then only upon the affirmative vote of holders of two-
thirds or more of the voting power of our outstanding common stock;

● Require the affirmative vote of holders of two-thirds or more of the voting power of our outstanding common stock
to amend, alter, change or repeal specified provisions of our amended and restated certificate of incorporation and
bylaws;

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● Require stockholders to provide us with advance notice if they wish to nominate any candidates for election to our
Board of Directors or if they intend to propose any matters for consideration at an annual stockholders meeting; and

● Authorize the issuance of so-called “blank check” preferred stock without stockholder approval upon such terms as

the Board of Directors may determine.

We also are subject to laws that may have a similar effect.  For example, federal and certain state telecommunications laws and
regulations  generally  prohibit  a  direct  or  indirect  transfer  of  control  over  our  business  without  prior  regulatory  approval.
 Similarly, Section 203 of the Delaware General Corporation Law restricts our ability to engage in a business combination with
an “interested stockholder”.  These laws and regulations make it difficult for another company to acquire us, and therefore, could
limit the price that investors might be willing to pay in the future for shares of our common stock.  In addition, the rights of our
common stockholders are subject to, and may be adversely affected by, the rights of holders of any class or series of preferred
stock that we may issue in the future.

Risks Relating to Our Indebtedness and Our Capital Structure

We have a substantial amount of debt outstanding, which could adversely affect our business and restrict our ability to fund
working capital  and planned capital  expenditures.    As  of  December  31,  2020,  we  had  $2.0  billion  of  debt  outstanding.    Our
substantial level of indebtedness could adversely impact our business, including:

● We may be required  to use a substantial  portion  of our cash flow from  operations  to make principal  and interest
payments  on  our  debt,  which  will  reduce  funds  available  for  operations,  capital  expenditures,  future  business
opportunities and strategic initiatives;

● We may have limited flexibility to react to changes in our business and our industry;

●

It may be more difficult for us to satisfy our other obligations;

● We  may  have  a  limited  ability  to  borrow  additional  funds  or  to  sell  assets  to  raise  funds  if  needed  for  working

capital, capital expenditures, acquisitions or other purposes;

● We  may  become  more  vulnerable  to  general  adverse  economic  and  industry  conditions,  including  changes  in

interest rates; and

● We may be at a disadvantage compared to our competitors that have less debt.

We cannot guarantee that we will generate sufficient revenues to service our debt and have adequate funds left over to achieve or
sustain  profitability  in  our  operations,  meet  our  working  capital  and  capital  expenditure  needs  or  compete  successfully  in  our
markets.

Our credit agreement and the indentures governing our Senior Notes contain covenants that limit management’s discretion in
operating our business and could prevent us from capitalizing on opportunities and taking other corporate actions.  Among
other things, our credit agreement limits or restricts our ability (and the ability of certain of our subsidiaries), and the separate
indenture governing the Senior Notes limits the ability of our subsidiary, Consolidated Communications, Inc., and its restricted
subsidiaries to: incur or guarantee additional indebtedness or issue preferred stock; make restricted payments, including paying
dividends  on,  redeeming,  repurchasing  or  retiring  our  capital  stock;  make  investments  and  prepay  or  redeem  debt;  enter  into
agreements restricting our subsidiaries’ ability to pay dividends, make loans or transfer assets to us; create liens; sell or otherwise
dispose of assets, including capital stock of, or other ownership interests in subsidiaries; engage in transactions with affiliates;
engage in sale and leaseback transactions; make capital expenditures; engage in a business other than telecommunications; and
consolidate, merge or transfer all or substantially all of the assets of the Company.

In addition, our credit agreement requires us to comply with specified financial ratios, including a financial covenant based on
first lien leverage.  Our ability to comply with these ratios may be affected by events beyond our control.  These restrictions limit
our ability to plan for or react to market conditions, meet capital needs or otherwise constrain our activities

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or business plans.  They also may adversely affect our ability to finance our operations, enter into acquisitions or engage in other
business activities that would be in our interest.

A breach of any of the covenants contained in our credit agreement, in any future credit agreement, or in the separate indentures
governing the Senior Notes, or our inability to comply with the financial ratios could result in an event of default, which would
allow  the  lenders  to  declare  all  borrowings  outstanding  to  be  due  and  payable.    If  the  amounts  outstanding  under  our  credit
facilities were to be accelerated, we cannot assure that our assets would be sufficient to repay in full the money owed.  In such a
situation, the lenders could foreclose on the assets and capital stock pledged to them.

We may not be able to refinance our existing debt if necessary, or we may only be able to do so at a higher interest rate.  We
may be unable to refinance or renew our credit facilities and our failure to repay all amounts due on the maturity dates would
cause a default under the credit agreement.  Alternatively, any renewal or refinancing may occur on less favorable terms.  If we
refinance our credit facilities on terms that are less favorable to us than the terms of our existing debt, our interest expense may
increase significantly, which could impact our results of operations and impair our ability to use our funds for other purposes.

Our  variable-rate  debt  subjects  us  to  interest  rate  risk,  which  could  impact  our  cost  of  borrowing  and  operating  results.
 Certain of our debt obligations are at variable rates of interest and expose us to interest rate risk.  Increases in interest rates could
negatively  impact  our  results  of  operations  and  operating  cash  flows.    We  utilize  interest  rate  swap  agreements  to  convert  a
portion of our variable-rate debt to a fixed-rate basis.  However, we do not maintain interest rate hedging agreements for all of
our  variable-rate  debt  and  our  existing  hedging  agreements  may  not  fully  mitigate  our  interest  rate  risk,  may  prove
disadvantageous  or  may  create  additional  risks.    Changes  in  fair  value  of  cash  flow  hedges  that  have  been  de-designated  or
determined to be ineffective are recognized in earnings.  Significant increases or decreases in the fair value of these cash flow
hedges could cause favorable or adverse fluctuations in our results of operations.

In addition, a substantial portion of our variable-rate debt bears interest based on the London Interbank Offering Rate (“LIBOR”).
In 2017, the Financial Conduct Authority (“FCA”), which regulates LIBOR, announced that it intends to stop requiring banks to
submit  rates  for  the  calculation  of  LIBOR  after  2021.  In  November  2020,  ICE  Benchmark  Administration  (“IBA”),  the
administrator of LIBOR, announced plans to consult on ceasing publication of LIBOR on December 31, 2021 for only the one-
week and two-month LIBOR tenors and extended the LIBOR transition deadline to June 30, 2023 for all other LIBOR tenors.
These  reforms  and  any  future  reforms  may  cause  LIBOR  to  cease  to  exist  and  it  is  currently  unclear  whether  LIBOR  will  be
replaced with a new benchmark or if new methods of calculating LIBOR will be established.   If LIBOR ceases to exist or if the
methods for calculating LIBOR change, interest rates on our current and future debt obligations as well as our interest rate swap
agreements may be adversely affected. In addition, any transition process from LIBOR to an alternative rate could cause, among
other things, LIBOR to perform differently than in the past, a disruption in the financial markets, or increases in benchmark rates,
any of which could adversely affect our results of operations, cash flows and liquidity.

Risks Relating to the Searchlight Investment

Obtaining  required  approvals  and  satisfying  closing  conditions  may  delay  or  prevent  completion  of  the  Investment.  In
addition, the parties have the right to terminate the Investment Agreement under specified circumstances, in which case the
Investment  would  not  be  completed.    On  September  13,  2020,  we  entered  into  an  investment  agreement  (the  “Investment
Agreement”) with Searchlight Capital Partners L.P. (“Searchlight”). The investment commitment is structured in two stages with
the first stage of the transaction completed on October 2, 2020.  The second stage of the investment is currently expected to be
completed in mid-2021 (the “Second Closing”), assuming that all the closing conditions are satisfied or waived. Certain events
may delay the completion  of the investment  or result in a termination  of the Investment  Agreement.  Some of these events are
outside of our control. Completion of the Second Closing is conditioned upon the receipt of certain governmental consents and
regulatory approvals including approval by the Federal Communications Commission (“FCC”) and the expiry of any applicable
waiting periods under the Hart Scott Rodino Act and other applicable antitrust laws.  The Second Closing is also subject to the
satisfaction of certain other customary closing conditions.  If the FCC denies approval, the Note will still be issued to Searchlight
but  will  not  be  convertible  into  shares  of  Series  A  preferred  stock,  and  Searchlight  shall  have  no  obligation  to  deliver  the
additional consideration of $75.0 million to Consolidated.

No  assurance  can  be  given  that  the  required  conditions  for  the  Second  Closing  of  the  transaction  will  be  fulfilled  and,
accordingly, the Investment may not be completed on the terms currently contemplated or at all. While we intend to pursue

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vigorously all required conditions and approvals and do not know of any reason why we would not be able to obtain them in a
timely  manner,  the  requirement  to  obtain  these  approvals  prior  to  completion  of  the  Investment  could  jeopardize  or  delay  the
completion of the transaction. In addition, if the Second Closing is not consummated by October 2, 2021 (subject to extensions
up to such date that is 36 months after October 2, 2020 in certain circumstances), Searchlight or Consolidated may choose not to
proceed with the Second Closing.  Moreover, the parties can mutually decide to terminate the Investment Agreement at any time
prior  to  the  consummation  of  the  Second  Closing.  In  addition,  Searchlight  and  Consolidated  may  elect  to  terminate  the
Investment Agreement in certain other circumstances. If the Investment Agreement is terminated, Consolidated will not realize
the anticipated benefits of the Investment.

The pendency of the Investment could cause disruptions in our business, which could have an adverse effect on our business,
operations, and financial results.

The pendency of the Investment could cause disruptions in and create uncertainty surrounding our business, which could have an
adverse effect on our business, operations and financial results, regardless of whether the Investment is completed. These risks to
our  business  include  the  following,  all  of  which  could  be  exacerbated  by  a  delay  in  completion  of  the  Investment:  litigation
relating to the Investment and costs related thereto; conditions that may be imposed on Consolidated by federal or state regulators
in connection with their approval of the Investment; the restrictions on the ability of Consolidated to take certain actions outside
the ordinary course of business prior to the consummation of the Second Closing, which may delay or prevent Consolidated from
undertaking certain actions or business opportunities that may arise prior to the consummation of the Second Closing; and the
attention  of  management  of  Consolidated  may  be  diverted  from  the  operation  of  the  businesses  toward  the  completion  of  the
Investment.

In addition, if the Investment is not completed, Consolidated may experience negative reactions from the financial markets and
from its customers and employees. Consolidated also could be subject to litigation related to a failure to complete the Investment
or to enforce its obligations under the Investment Agreement. If the Investment is not consummated, there can be no assurance
that the risks described above will not materially affect the business, financial results and stock price of Consolidated.

Risks Related to the Regulation of Our Business

We  are  subject  to  a  complex  and  uncertain  regulatory  environment,  and  we  face  compliance  costs  and  restrictions  greater
than those of many of our competitors.  Our businesses are subject to regulation by the FCC and other federal, state and local
entities.    Rapid  changes  in  technology  and  market  conditions  have  resulted  in  changes  in  how  the  government  addresses
telecommunications,  video  programming  and  Internet  services.    Many  businesses  that  compete  with  our  Incumbent  Local
Exchange Carrier (“ILEC”) and non-ILEC subsidiaries are comparatively less regulated.  Some of our competitors are either not
subject to utilities regulation or are subject to significantly fewer regulations.  In contrast to our subsidiaries regulated as cable
operators and satellite video providers, competing on-demand and OTT providers and motion picture and DVD firms have almost
no  regulation  of  their  video  activities.    Recently,  federal  and  state  authorities  have  become  more  active  in  seeking  to  address
critical issues in each of our product and service markets.  The adoption of new laws or regulations, or changes to the existing
regulatory  framework  at  the  federal,  state  or  local  level,  could  require  significant  and  costly  adjustments  that  could  adversely
affect our business plans.  New regulations could impose additional costs or capital requirements, require new reporting, impair
revenue opportunities, potentially impede our ability to provide services in a manner that would be attractive to our customers
and potentially create barriers to enter new markets or to acquire new lines of business. We face continued regulatory uncertainty
in  the  immediate  future.    Not  only  are  these  governmental  entities  continuing  to  move  forward  on  these  matters,  their  actions
remain subject to reconsideration, appeal and legislative modification over an extended period of time, and it is unclear how their
actions will ultimately impact our business.  We cannot predict future developments or changes to the regulatory environment or
the impact such developments or changes may have on us.

We receive support from various funds established under federal and state laws, and the continued receipt of that support is
not assured.  A significant portion of our revenues come from network access and subsidies.  An order adopted by the FCC in
2011 (the “Order”) significantly impacts the amount of support revenue we receive from the Universal Service Fund (“USF”),
Connect  America  Fund  (“CAF”)  and  intercarrier  compensation  (“ICC”).    The  Order  reformed  core  parts  of  the  USF,  broadly
recast  the  existing  ICC  scheme,  established  the  CAF  to  replace  support  revenues  provided  by  the  USF  and  redirected  support
from  voice  services  to  broadband  services.    In  2012,  CAF  funding  was  implemented,  which  froze  USF  support  to  price  cap
carriers until the FCC implemented a broadband cost model to shift support from voice services to broadband services.  In 2020,
the FCC adopted an order establishing the Rural Digital Opportunity Fund, the

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next phase of the CAF program, which will result in a reduction to the level of funding we currently receive from the FCC as of
2022.  See Part I – Item 1 – “Regulatory Environment” above for statistics of current CAF funding levels.

We  receive  subsidy  payments  from  various  federal  and  state  universal  service  support  programs,  including  high-cost  support,
Lifeline  and  E-Rate  programs  for  schools  and  libraries.    The  total  cost  of  the  various  federal  universal  service  programs  has
increased  significantly  in  recent  years,  putting  pressure  on  regulators  to  reform  the  programs  and  to  limit  both  eligibility  and
support.  We cannot predict future changes that may impact the subsidies we receive.  However, a reduction in subsidies support
may directly affect our profitability and cash flows.

Increased regulation of the Internet could increase our cost of doing business.  Current laws and regulations governing access
to,  or  commerce  on,  the  Internet  are  limited.    As  the  significance  of  the  Internet  continues  to  expand,  federal,  state  and  local
governments may adopt new rules and regulations applicable to, or apply existing laws and regulations to, the Internet.  During
2017,  the  FCC  adopted  an  order  eliminating  its  previous  classification  of  Internet  service  as  a  telecommunications  service
regulated under Title II of the Telecommunications Act of 1996.  This effectively limits the FCC’s authority over Internet Service
Providers.  The FCC retained rules requiring Internet Service Providers to disclose practices associated with blocking, throttling
and paid prioritization of Internet traffic.  The FCC order has been challenged in court and the outcome of the challenge cannot
be determined at this time.  

The  outcome  of  pending  matters  before  the  FCC  and  the  Federal  Trade  Commission  (“FTC”)  and  any  potential  congressional
action cannot be determined at this time but could lead to increased costs for the Company in connection with our provision of
Internet services, and could affect our ability to compete in the markets we serve.

We are subject to extensive laws and regulations relating to the protection of the environment, natural resources and worker
health  and  safety.    Our  operations  and  properties  are  subject  to  federal,  state  and  local  laws  and  regulations  relating  to  the
protection  of  the  environment,  natural  resources  and  worker  health  and  safety,  including  laws  and  regulations  governing  and
creating  liability  in  connection  with  the  management,  storage  and  disposal  of  hazardous  materials,  asbestos  and  petroleum
products.    We  are  also  subject  to  laws  and  regulations  governing  air  emissions  from  our  fleet  vehicles.    As  a  result,  we  face
several risks, including:

● Hazardous  materials  may  have  been  released  at  properties  that  we  currently  own  or  formerly  owned  (perhaps
through our predecessors).  Under certain environmental laws, we could be held liable, without regard to fault, for
the  costs  of  investigating  and  remediating  any  actual  or  threatened  contamination  at  these  properties  and  for
contamination associated with disposal by us, or by our predecessors, of hazardous materials at third-party disposal
sites;

● We  could  incur  substantial  costs  in  the  future  if  we  acquire  businesses  or  properties  subject  to  environmental
requirements or affected by environmental contamination.  In particular, environmental laws regulating wetlands,
endangered species and other land use and natural resources may increase the costs associated with future business
or expansion or delay, alter or interfere with such plans;

●

The  presence  of  contamination  can  adversely  affect  the  value  of  our  properties  and  make  it  difficult  to  sell  any
affected property or to use it as collateral; and

● We  could  be  held  responsible  for  third-party  property  damage  claims,  personal  injury  claims  or  natural  resource

damage claims relating to contamination found at any of our current or past properties.

The cost of complying with environmental requirements could be significant.  Similarly, the adoption of new environmental laws
or regulations, or changes in existing laws or regulations or their interpretations, could result in significant compliance costs or
unanticipated environmental liabilities.

Our business may be impacted by new or changing tax laws or regulations and actions by federal, state, and/or local agencies,
or  by  how  judicial  authorities  apply  tax  laws.    Our  operations  are  subject  to  various  federal,  state  and  local  tax  laws  and
regulations.  In connection with the products and services we sell, we calculate, collect, and remit various federal, state, and local
taxes, surcharges and regulatory fees (“tax” or “taxes”) to numerous federal, state and local governmental authorities.  In many
cases,  the  application  of  tax  laws  is  uncertain  and  subject  to  differing  interpretations,  especially  when  evaluated  against  new
technologies  and  telecommunications  services,  such  as  broadband  Internet  access  and  cloud  related  services.    Tax  laws  are
dynamic and subject to change as new laws are passed and new interpretations of the law are issued

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or  applied.    Changes  in  tax  laws,  or  changes  in  interpretations  of  existing  laws,  could  materially  affect  our  financial  position,
results  of  operations  and  cash  flows.  For  example,  the  Tax  Cuts  and  Jobs  Act  of  2017,  a  major  federal  tax  reform,  that  had  a
significant impact on our tax obligations and effective income tax rate.  

Item 1B.  Unresolved Staff Comments.

None.

Item 2.  Properties.

Our corporate headquarters are currently located at 121 S. 17th Street, Mattoon, Illinois, a leased facility.  We also own and lease
office facilities and related equipment for administrative personnel, central office buildings and operations in many of the states
in which we operate.  

In  addition  to  land  and  structures,  our  property  consists  of  equipment  necessary  for  the  provision  of  communication  services,
including central office equipment, customer premises equipment and connections, pole lines, video head-end, remote terminals,
aerial and underground cable and wire facilities, vehicles, furniture and fixtures, computers and other equipment.  We also own
certain other communications equipment held as inventory for sale or lease.

In addition to plant and equipment that we wholly-own, we utilize poles, towers and cable and conduit systems jointly-owned
with other entities and lease space on facilities to other entities.  These arrangements are in accordance with written agreements
customary in the industry.  We also have appropriate easements, rights-of-way and other arrangements for the accommodation of
our pole lines, underground conduits, aerial and underground cables and wires.  

Item 3.  Legal Proceedings.

From time to time we may be involved in litigation that we believe is of the type common to companies in our industry, including
regulatory issues.  While the outcome of these claims cannot be predicted with certainty, we do not believe that the outcome of
any of these legal matters will have a material adverse impact on our business, results of operations, financial condition or cash
flows.  See Note 13 to the consolidated financial statements included in this report in Part II – Item 8 – “Financial Statements and
Supplementary Data” for a discussion of recent developments related to these legal proceedings.

Item 4.  Mine Safety Disclosures.

Not Applicable.

PART II

Item  5.    Market  for  Registrant’s Common  Equity,  Related  Stockholder  Matters  and  Issuer  Purchases  of  Equity

Securities.

Our  common  stock  is  traded  on  the  NASDAQ  Global  Select  Market  (“NASDAQ”)  under  the  symbol  “CNSL”.    As  of
February 22, 2021, there were approximately 4,184 stockholders of record of the Company’s common stock.  

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Share Repurchases

During  the  quarter  ended  December  31,  2020,  we  repurchased  147,236  common  shares  surrendered  by  employees  in  the
administration of employee share-based compensation plans. The following table summarizes the share repurchase activity:

Purchase period
October 1-October 31, 2020
November 1-November 30, 2020
December 1-December 31, 2020

Performance Graph

Total number of Average price
paid per share
shares purchased
n/a
— 
n/a
— 
$ 5.61  
 147,236  

     Total number of     Maximum number 
of shares that may  
yet be purchased  
under the plans  

shares purchased
as part of publicly
announced plans
or programs
n/a
n/a
n/a

or programs
n/a
n/a
n/a

The  following  graph  shows  a  five-year  comparison  of  cumulative  total  shareholder  return  of  our  common  stock  (assuming
reinvestment  of  dividends)  with  the  S&P  500  Index  and  the  NASDAQ  Telecommunications  Index.    The  comparison  of  total
return on investment (change in year-end stock price plus reinvested dividends) for each of the periods assumes that $100 was
invested on December 31, 2015 in each index.  The stock performance shown on the graph below is not necessarily indicative of
future price performance.

24

    
    
    
    
 
 
 
 
 
 
 
 
 
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COMPARISON OF 5 YEAR CUMULATIVE TOTAL RETURN*
Among Consolidated Communications Holdings, the S&P 500 Index and the NASDAQ Telecommunications Index

(In dollars)
Consolidated Communications Holdings
S&P 500
NASDAQ Telecommunications

Sale of Unregistered Securities

2015
$  100.00
$  100.00
$  100.00

2016
$  136.88
$  111.96
$  112.56

As of December 31,
2018
2017
$  61.35
$  66.66
$  130.42
$  136.40
$  125.10
$  135.96

2019
$  25.82
$  171.49
$  158.73

2020
$  32.54
$  203.04
$  192.30

During the year ended December 31, 2020, we did not sell any equity securities of the Company which were not registered under
the Securities Act of 1933, as amended.

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Item 6.  Selected Financial Data.

The selected financial data set forth below should be read in conjunction with Part II - Item 7 – “Management’s Discussion and
Analysis of Financial Condition and Results of Operations”, our consolidated financial statements and the related notes, and other
financial  data  included  elsewhere  in  this  annual  report.    Historical  results  are  not  necessarily  indicative  of  the  results  to  be
expected in future periods.

(In millions, except per share amounts)

2020 (1)

Year Ended December 31,
2018 (2)

2019

2017 (3)

2016

Operating revenues

$

 1,304.0

$

 1,336.5

$

 1,399.1

$

 1,059.6

$

 743.2

Cost of products and services (exclusive of depreciation and
amortization)
Selling, general and administrative expense
Acquisition and other transaction costs (4)
Loss on impairment
Depreciation and amortization
Income from operations

Interest expense, net
Gain (loss) on extinguishment of debt
Change in fair value of contingent payment rights
Other income, net
Income (loss) before income taxes
Income tax expense (benefit)
Net income (loss)
Net income of noncontrolling interest
Net income (loss) attributable to common shareholders
Net income (loss) per common share - basic and diluted

Weighted-average number of shares - basic and diluted

Cash dividends per common share

Consolidated cash flow data from continuing operations:
Cash flows from operating activities
Cash flows used for investing activities
Cash flows (used for) provided by financing activities

Capital expenditures

Consolidated Balance Sheet:
Cash and cash equivalents
Total current assets
Net property, plant and equipment
Total assets
Total debt (including current portion)

Stockholders’ equity

Other financial data (unaudited):
Adjusted EBITDA (5)

 560.6
 275.4
 7.6
 —
 324.9
 135.5

 (143.6)
 (18.3)
 23.8
 50.8
 48.2
 10.9
 37.3
 0.3
 37.0
 0.47

$
$

 574.9
 299.1
 —
 —
 381.2
 81.3

 (136.7)
 4.5
 —
 27.2
 (23.7)
 (3.7)
 (20.0)
 0.4
 (20.4)
 (0.29)

 72,752

 70,837

 — $

 0.39

 365.0
 (210.1)
 (11.7)
 217.6

 155.6
 340.7
 1,760.2
 3,507.3
 1,950.2
 389.2

$

$

 339.1
 (217.8)
 (118.5)
 232.2

 12.4
 176.9
 1,835.9
 3,390.3
 2,278.0
 347.3

 611.9
 333.6
 2.0
 —
 432.6
 19.0

 (134.5)
 —
 —
 40.9
 (74.6)
 (24.1)
 (50.5)
 0.3
 (50.8)
 (0.73)

 70,613

 1.55

 357.3
 (221.5)
 (141.9)
 244.8

 9.6
 198.1
 1,927.1
 3,535.3
 2,334.1
 415.7

$
$

$

$

$

 446.0
 249.1
 33.7
 —
 291.8
 39.0

 (129.8)
 —
 —
 31.2
 (59.6)
 (124.9)
 65.3
 0.4
 64.9
 1.07

 60,373

 1.55

 210.0
   (1,042.7)
 821.3
 181.2

 15.7
 213.7
 2,037.6
 3,719.1
 2,341.2
 573.9

$
$

$

$

$

 321.4
 156.5
 1.2
 0.6
 174.0
 89.5

 (76.8)
 (6.6)
 —
 32.1
 38.2
 23.0
 15.2
 0.3
 14.9
 0.29

 50,301

 1.55

 218.2
 (108.3)
 (98.7)
 125.2

 27.1
 133.2
   1,055.2
   2,092.8
   1,391.7
 176.3

$
$

$

$

$

$
$

$

$

$

$

 529.2

$

 523.5

$

 537.3

$

 414.1

$

 305.8

(1) On October 2, 2020, we closed on the first stage of the strategic investment with Searchlight and received $350.0 million and
completed  a  global  refinancing  of  our  long-term  debt  through  the  issuance  of  $2,250.0  million  in  new  secured  debt  and
retired all of our then existing outstanding debt obligations.

(2) Effective January 1, 2018, we adopted Accounting Standards Update 2014-09 (“ASC 606”), Revenue from Contracts with
Customers,  using  the  modified  retrospective  method  for  open  contracts.    Results  for  2018  are  presented  under  ASC  606,
while prior period amounts have not been revised.

(3) On July 3, 2017, we acquired 100% of the issued and outstanding shares of FairPoint in exchange for shares of our common
stock. The financial  results for FairPoint have been included in our consolidated financial  statements as of the acquisition
date.

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(4) Acquisition and other transaction costs consists primarily of legal, finance and other professional fees incurred in connection
with acquisitions and other strategic transactions, including costs incurred related to change-in-control payments to former
employees of the acquired company.

(5)

In  addition  to  the  results  reported  in  accordance  with  accounting  principles  generally  accepted  in  the  United  States  (“US
GAAP” or “GAAP”), we also use certain non-GAAP measures such as EBITDA and adjusted EBITDA to evaluate operating
performance and to facilitate the comparison of our historical results and trends.  These financial measures are not a measure
of financial performance under US GAAP and should not be considered in isolation or as a substitute for net income (loss) as
a  measure  of  performance  and  net  cash  provided  by  operating  activities  as  a  measure  of  liquidity.   They  are  not,  on  their
own, necessarily indicative of cash available to fund cash needs as determined in accordance with GAAP.  The calculation of
these non-GAAP measures may not be comparable to similarly titled measures used by other companies.  Reconciliations of
these  non-GAAP  measures  to  the  most  directly  comparable  financial  measures  presented  in  accordance  with  GAAP  are
provided below.

EBITDA  is  defined  as  net  earnings  before  interest  expense,  income  taxes,  and  depreciation  and  amortization.    Adjusted
EBITDA is comprised of EBITDA, adjusted for certain items as permitted or required under our credit facility as described
in the reconciliations below.  These measures are a common measure of operating performance in the telecommunications
industry and are useful, with other data, as a means to evaluate our ability to fund our estimated uses of cash.

The following tables are a reconciliation of net income (loss) to Adjusted EBITDA:

(In millions, unaudited)
Net income (loss)
Add (subtract):

Interest expense, net of interest income
Income tax expense (benefit)
Depreciation and amortization

EBITDA

Adjustments to EBITDA:

Other, net (a)
Investment distributions (b)
(Gain) loss on extinguishment of debt (c)
Change in fair value of contingent payment rights (d)
Loss on impairment (e)

Non-cash, stock-based compensation (f)
Adjusted EBITDA

2020
$  37.3

   143.6
 10.9
   324.9
   516.7

   (31.0)
 41.5
 18.3
   (23.8)

Year Ended December 31,
2018

2017

2019

$  (20.0) $  (50.5) $

 65.3

2016
$  15.2

   136.7
 (3.7)
   381.2
   494.2

   134.5
   (24.1)
   432.6
   492.5

 129.8
   (124.9)
 291.8
 362.0

 76.8
 23.0
   174.0
   289.0

 (8.8)
 35.8
 (4.5)

 0.6
 39.1

 19.3
 30.0

 —  
 —  
 6.8
$  523.5

 —  
 —  
 —  
 5.1
$  537.3

 —  
 —  
 —  
 2.8
$  414.1

 —  
 7.5
$  529.2

   (25.5)
 32.1
 6.6
 —
 0.6
 3.0
$  305.8

(a) Other,  net  includes  the  equity  earnings  from  our  investments,  dividend  income,  income  attributable  to  noncontrolling
interests in subsidiaries, acquisition and transaction related costs including severance, non-cash pension and post-retirement
benefits and certain other miscellaneous items.

(b)

Includes all cash dividends and other cash distributions received from our investments.

(c) Represents  the  redemption  premium  (discount)  and  write-off  of  unamortized  debt  issuance  costs  in  connection  with  the

redemption or retirement of our debt obligations.

(d) Represents the non-cash change in fair value of contingent payment obligations related to the Searchlight investment.

(e) Represents intangible asset impairment charges recognized during the period.

(f) Represents compensation expenses in connection with the issuance of stock awards, which because of their non-cash nature,

these expenses are excluded from Adjusted EBITDA.

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Item 7.  Management’s Discussion and Analysis of Financial Condition and Results of Operations.

Reference is made to Part I – Item 1 – “Note About Forward-Looking Statements” and Part I – Item 1A – “Risk Factors” which
describes important factors that could cause actual results to differ from expectations and non-historical  information contained
herein.    In  addition,  the  following  Management’s  Discussion  and  Analysis  of  Financial  Condition  and  Results  of  Operations
(“MD&A”)  is  intended  to  help  the  reader  understand  the  results  of  operations  and  financial  condition  of  Consolidated
Communications Holdings, Inc. (“Consolidated,” the “Company,” “we,” “our” or “us”).  MD&A should be read in conjunction
with our audited consolidated financial statements and accompanying notes to the consolidated financial statements (“Notes”) as
of and for each of the three years in the period ended December 31, 2020 included elsewhere in this Annual Report on Form 10-
K.

Throughout MD&A, we refer to certain measures that are not a measure of financial performance in accordance with accounting
principles generally accepted in the United States (“US GAAP” or “GAAP”).  We believe the use of these non-GAAP measures
on a consolidated basis provides the reader with additional information that is useful in understanding our operating results and
trends.  These measures should be viewed in addition to, rather than as a substitute for, those measures prepared in accordance
with  GAAP.    See  the  Non-GAAP  Measures  section  below  for  a  more  detailed  discussion  on  the  use  and  calculation  of  these
measures.

Overview

Consolidated  is  a  broadband  and  business  communications  provider  offering  a  wide  range  of  communication  solutions  to
consumer, commercial and carrier customers across a 23-state service area.  We operate an advanced fiber network spanning over
46,600 fiber route miles across many rural areas and metro communities.  Our business product suite includes: data and Internet
solutions, voice, data center services, security services, managed and IT services, and an expanded suite of cloud services.  We
provide  wholesale  solutions  to  wireless  and  wireline  carriers  and  other  service  providers  including  data,  voice,  network
connections and custom fiber builds and last mile connections.  We offer residential high-speed Internet, video, phone and home
security services as well as multi-service residential and small business bundles.  

We generate  the majority  of our consolidated  operating  revenues primarily  from monthly subscriptions  to our broadband, data
and  transport  services  (collectively  “broadband  services”)  marketed  to  business  and  residential  customers.    Commercial  and
carrier services represent the largest source of our operating revenues and are expected to be key growth areas in the future.  We
are focused on expanding our broadband and commercial product suite and are continually enhancing our commercial product
offerings  to  meet  the  needs  of  our  business  customers.    We  leverage  our  advanced  fiber  network  and  tailor  our  services  by
developing solutions to fit their specific needs and leveraging a value- based sales approach.  We continue to enhance our suite of
managed and cloud services, which increases efficiency and enables greater scalability and reliability for our business customers. 
In  April  2020,  we  launched  ProConnect  Unified  Communications  to  businesses  in  our  northern  New  England  markets.    This
cloud-based collaboration solution enables users to easily make and receive calls, host video conferences and share files, message
and  manage  features  from  anywhere  and  any  device.    In  October  2020,  we  expanded  the  availability  of  our  Microsoft
Productivity  Suite,  another  cloud-based  collaboration  solution,  across  our  entire  service  area.    This  solution  includes  the
Microsoft  Teams  collaboration  platform  that  combines  video  meetings,  chat,  file  storage  and  application  integration.    We
anticipate future momentum in commercial and carrier services as these products gain traction as well as from the demand from
customers for additional bandwidth and data-based services.    

We  market  our  residential  services  by  leading  with  broadband  services.    As  consumer  demands  for  bandwidth  continue  to
increase, our focus is on enhancing our broadband services and progressively increasing broadband speeds.  We offer data speeds
of  up  to  1  Gbps  in  select  markets,  and  up  to  100  Mbps  in  markets  where  1  Gbps  is  not  yet  available,  depending  on  the
geographical region.  As of December 31, 2020, approximately 58% of the homes we serve on our legacy Consolidated network
had  availability  to  broadband  speeds  of  up  to  100  Mbps  or  greater.    The  majority  of  the  homes  in  our  northern  New  England
service  areas  have  availability  to  broadband  speeds  of  20  Mbps  or  less.  We  continue  to  focus  on  bringing  higher  broadband
speeds and improving customer experience by expanding the availability of multi-Gig broadband services.  As part of our fiber
build plan, we plan to upgrade approximately 1.6 million passings across select service areas over the next five years to enable
multi gigabit-capable services to these homes and small businesses of which 300,000 passings will be upgraded in 2021.  This
will provide our residential customers with a highly competitive broadband service.  Businesses also get a boost by being able to
take full advantage of higher bandwidth option and cloud-based applications.

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Our  competitive  broadband  speeds  enable  us  to  meet  the  need  for  higher  bandwidth  from  the  growing  consumer  demand  for
streaming  live  programming  or  in-demand  content  on  any  device.    The  consumers  demand  for  streaming  services,  either  to
augment  their  current  video  subscription  plan  or  to  entirely  replace  their  video  subscription  may  impact  our  future  video
subscriber  base  and,  accordingly,  reduce  our  video  revenue  as  well  as  our  video  programing  costs.    Total  video  connections
decreased  10%  as  of  December  31,  2020  compared  to  2019.    We  believe  the  trend  in  changing  consumer  viewing  habits  will
continue to impact  our business results and complement our strategy of providing consumers  with higher broadband speeds to
facilitate  streaming  content.    In  2019,  we  launched  in  our  northern  New  England  markets,  CCiTV,  which  is  a  customizable,
cloud-enabled video service that supports a wide variety of viewing habits.  Content can be delivered in high-definition quality to
a big-screen TV, as well as to tablets and mobile devices.  CCiTV helps align our product offering with consumer habits using an
app-based approach to video as well as reduce our operating costs.  We expanded CCiTV to customers in our Texas markets in
June 2020 and in our California and Illinois markets in October 2020.  

Operating revenues also continue to be impacted by the anticipated industry-wide trend of declines in voice services, access lines
and  related  network  access  revenue.    Many  customers  are  choosing  to  subscribe  to  alternative  communication  services  and
competition  for  these  subscribers  continues  to  increase.    Total  voice  connections  decreased  7%  as  of  December  31,  2020
compared to 2019.  Competition from wireless providers, Competitive Local Exchange Carriers and cable television providers
has  increased  in  recent  years  in  the  markets  we  serve.    We  have  been  able  to  mitigate  some  of  the  access  line  losses  through
marketing initiatives and product offerings, such as our VoIP service. 

As discussed in the “Regulatory Matters” section below, our operating revenues are impacted by legislative or regulatory changes
at  the  federal  and  state  levels,  which  could  reduce  or  eliminate  the  current  subsidies  revenue  we  receive.    A  number  of
proceedings  and  recent  orders  relate  to  universal  service  reform,  intercarrier  compensation  (“ICC”)  and  network  access
charges.  There are various ongoing legal challenges to the orders that have been issued.  As a result, it is not yet possible to fully
determine the impact of the regulatory changes on our operations.

Significant Recent Developments

Searchlight Investment

On September 13, 2020, we entered into an investment agreement (the “Investment Agreement”) with an affiliate of Searchlight
Capital Partners, L.P. (“Searchlight”).  In connection with the Investment Agreement, affiliates of Searchlight have committed to
invest up to an aggregate of $425.0 million in the Company.  The investment commitment is structured in two stages.  In the first
stage  of  the  transaction,  which  was  completed  on  October  2,  2020,  Searchlight  invested  $350.0  million  in  the  Company  in
exchange for 6,352,842 shares, or approximately 8%, of the Company’s common stock and a contingent payment right (“CPR”)
that  is  convertible,  upon  the  receipt  of  certain  regulatory  and  shareholder  approvals,  into  an  additional  17,870,012  shares,  or
16.9% of the Company’s common stock.  In addition, Searchlight will receive the right to an unsecured subordinated note with an
aggregate principal amount of approximately $395.5 million (the “Note”).  

In the second stage of the transaction, Searchlight will invest an additional $75.0 million and will be issued the Note, which will
be convertible into shares of a new series of perpetual preferred stock of the Company with an aggregate liquidation preference
equal  to  the  principal  amount  of  the  Note  plus  accrued  interest  as  of  the  date  of  conversion.    The  Note  may  be  issued  to
Searchlight  prior  to  the  closing  of  the  second  stage  of  the  transaction  upon  the  occurrence  of  certain  events.    The  Note  bears
interest  at  9.0%  per  annum  from  the  date  of  the  closing  of  the  first  stage  of  the  transaction  and  is  payable  semi-annually  in
arrears.  Upon conversion of the Note, dividends on the preferred stock will accrue daily on the liquidation preference at a rate of
9.0%  per  annum,  payable  semi-annually  in  arrears.    In  addition,  following  shareholder  approval,  if  received,  the  CPR  will  be
convertible into an additional 15,115,899 shares, or an additional 10.1%, of the Company’s common stock.  Upon completion of
both  stages,  the  common  stock  and  CPR  issued  to  Searchlight  will  represent  approximately  35%  of  the  Company’s  common
stock  on  an  as-converted  basis.    The  closing  of  the  second  stage  of  the  transaction  is  subject  to  the  receipt  of  Federal
Communications Commission (“FCC”) and Hart Scott Rodino approvals and the satisfaction of certain other customary closing
conditions. We expect the closing of the second stage to be completed in mid-2021.

The  proceeds  from  the  strategic  investment  with  Searchlight  provides  us  additional  capital  to  accelerate  our  growth  plans  and
provide  significant  benefits  to  our  consumer,  commercial  and  carrier  customers.  With  the  strategic  investment,  we  intend  to
enhance our fiber infrastructure and accelerate our investments in high-growth and competitive areas.  We will

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continue to invest in the expansion of commercial and carrier services, particularly through building fiber laterals and expanding
our network in existing markets.  In addition, we will continue to focus on significantly increasing broadband speeds, expanding
the  availability  of  our  multi-Gig  broadband  services  and  providing  a  faster  and  more  efficient  network  in  targeted  regions.
 Through the five-year expansion plan of our fiber network, we intend to upgrade approximately 1.6 million residential and small
business premises to fiber-to-the-home/premise (“FTTP”). Our  investment  in  more  competitive  broadband  speeds  is  critical  to
our  long-term  success.  The  strategic  investment  with  Searchlight  provides  us  a  valued  partner  with  significant  experience
deploying broadband infrastructure as we continue to execute our fiber-focused strategy and grow broadband services.  

Refinancing of Long-term Debt

On October 2, 2020, the Company and certain of its wholly-owned subsidiaries completed a refinancing of our long-term debt
through the issuance of $2,250.0 million in new secured debt and retired all of our then existing outstanding debt obligations.  As
described in the “Liquidity and Capital Resources” section, we entered into a new credit agreement which consists of term loans
in the aggregate amount of $1,250.0 million and a $250.0 million revolving credit facility. On October 2, 2020, we also issued
$750.0 million aggregate principal amount of 6.50% senior secured notes due 2028. On January 15, 2021, the Company issued an
additional  $150.0  million  aggregate  principal  amount  of  incremental  term  loans  under  the  credit  agreement.  The  refinancing
extended the maturities of our debt obligations and improved our liquidity, which, combined with the strategic investment with
Searchlight,  provides  us  the  immediate  flexibility  to  support  our  planned  expansion  of  our  fiber  network  and  revenue  growth
plan.

COVID-19 Pandemic

We  are  closely  monitoring  the  impact  on  our  business  of  the  outbreak  of  the  coronavirus  (“COVID-19”)  pandemic.    We  are
taking precautions to ensure the safety of our employees, customers and business partners, while assuring business continuity and
reliable  service  and support  to our customers.   Health  and safety  measures  implemented  include  transitioning  to  remote  work-
from-home policies, providing our field technicians with personal protective equipment and additional safety training, practicing
social  distancing  and  adding  call  aheads  for  work  that  must  be  performed  inside  customer  premises.    We  are  proactively
monitoring and augmenting our network capacity, to meet the higher demands for data usage during the pandemic as a result of
increased usage from work from home and remote learning applications. As a result of the pandemic, the demand for bandwidth
upgrades  has  increased  for  our  consumer,  commercial  and  carrier  customers.  Our  existing  network  enables  us  to  efficiently
respond and adapt to the increase in internet traffic during this time.  

While  we  have  not  seen  a  significant  adverse  impact  to  our  financial  results  from  COVID-19  to  date,  the  extent  of  the  future
impact  of  the  COVID-19  pandemic  on  our  business  is  highly  uncertain  and  difficult  to  predict.  Capital  markets  and  the  US
economy  have  also  been  significantly  impacted  by  the  pandemic  and  an  economic  recession.  Adverse  economic  and  market
conditions as a result of COVID-19 could also adversely affect the demand for our products and services and may also impact the
ability  of  our  customers  to  satisfy  their  obligations  to  us.  If  the  pandemic  continues  to  cause  significant  negative  impacts  to
economic conditions, our results of operations, financial condition and liquidity could be materially and adversely impacted.  See
Part I, Item 1A – “Risk Factors”.

On  March  27,  2020,  the  Coronavirus  Aid,  Relief,  and  Economic  Security  Act  (“CARES  Act”)  was  enacted  by  the  U.S.
government as an emergency economic stimulus package that includes spending and tax breaks to strengthen the US economy
and  fund  a  nationwide  effort  to  curtail  the  economic  effects  of  COVID-19.    The  CARES  Act  includes,  among  other  things,
deferral of certain employer payroll tax payments, the delay in payment of minimum required pension contributions due in 2020
until January 1, 2021 and certain income tax law changes including modifications  to the net interest deduction limitations.  In
2020, we deferred the payment of approximately $12.0 million for the employer portion of Social Security taxes otherwise due in
2020 of which 50% will be due by December 31, 2021 and the remaining 50% by December 31, 2022.  We elected not to delay
the  payment  of  our  minimum  required  pension  contributions  due  in  2020  and  have  made  all  scheduled  quarterly  pension
contributions during 2020. The CARES Act is not expected to have a material impact on our consolidated financial statements.

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Results of Operations

The following tables reflect our financial results on a consolidated basis and key operating statistics as of and for the years ended
December 31, 2020, 2019 and 2018.

Financial Data

(In millions, except for percentages)
Operating Revenues

Commercial and carrier:

Data and transport services (includes VoIP)
Voice services
Other

$

Consumer:

Broadband (Data and VoIP)
Video services
Voice services

Subsidies

Network access

Other products and services
Total operating revenues

Operating Expenses

Cost of services and products (exclusive of
depreciation and amortization)
Selling, general and administrative costs
Acquisition and other transaction costs
Depreciation and amortization

Total operating expenses
Income from operations
Interest expense, net
Gain (loss) on extinguishment of debt
Change in fair value of contingent payment rights
Other income, net
Income tax expense (benefit)
Net income (loss)
Net income attributable to noncontrolling interest
Net income (loss) attributable to common
shareholders

Adjusted EBITDA (1)

2020

2019

2018

$

 362.1
 181.7
 45.1
 588.9

 263.1
 74.3
 170.5
 507.9
 72.0
 125.3
 9.9
 1,304.0

 560.6
 275.4
 7.6
 324.9
 1,168.5
 135.5
 (143.6)
 (18.3)
 23.8
 50.8
 10.9
 37.3
 0.3

$

 355.3
 188.3
 52.9
 596.5

 257.1
 81.4
 180.8
 519.3
 72.4
 138.1
 10.2
 1,336.5

 574.9
 299.1
 —
 381.2
 1,255.2
 81.3
 (136.7)
 4.5
 —
 27.2
 (3.7)
 (20.0)
 0.4

 349.4
 202.9  
 56.4  
 608.7

 253.1
 88.4
 202.0  
 543.5
 83.4
 152.6

 10.9  
 1,399.1  

 611.9  
 333.6  
 2.0  
 432.6  
 1,380.1  
 19.0  
 (134.5) 
 —  
 —  
 40.9  
 (24.1) 
 (50.5) 
 0.3  

% Change

2020 vs.
2019

2019 vs.
2018

 2 %
 (4) 
 (15) 
 (1)

 2 %
 (7)
 (6)
 (2)

 2
 (9)
 (6) 
 (2)
 (1)
 (9)
 (3) 
 (2) 

 (2) 
 (8) 
 100  
 (15) 
 (7) 
 67  
 5  
 (507) 
 100  
 87  
 395  
 287  
 (25) 

 2
 (8)
 (10)
 (4)
 (13)
 (10)
 (6)
 (4)

 (6)
 (10)
 (100)
 (12)
 (9)
 328
 2
 100
 —
 (33)
 (85)
 60
 33

$

$

 37.0

 529.2

$

$

 (20.4)

 523.5

$

$

 (50.8) 

 281  

 60

 537.3

 1 %

 (3)%

(1) A non-GAAP measure.  See the “Non-GAAP Measures” section below for additional information and reconciliation to the

most directly comparable GAAP measure.

31

    
    
    
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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Consumer customers

Voice connections
Data connections
Video connections

Total connections

Revenue from Contracts with Customers

Key Operating Statistics

2020
 554,763

2019
 582,818

2018
 628,649  

2019

2018

 (5)%

 (7)%

% Change

    2020 vs.      2019 vs.

 779,590
 792,200
 76,041
 1,647,831  

 835,997
 784,165
 84,171
 1,704,333

 902,414
 778,970  
 93,065  
 1,774,449  

 (7)
 1  
 (10) 

 (7)
 1
 (10)

 (3)%

 (4)%

We account for revenue in accordance with Accounting Standards Codification 606 (“ASC 606”), Revenue from Contracts with
Customers,  which  we  adopted  on  January  1,  2018.    Promised  goods  and  services  in  our  revenue  contracts  with  customers  are
considered distinct and are accounted for as separate performance obligations.  Revenue is recognized when or as performance
obligations are satisfied.  The impact on revenue as a result of the adoption of ASC 606 was not material.

In accordance with ASC 606, contract acquisition costs are deferred and amortized over the expected customer life.  Historically,
these  costs  were  expensed  as  incurred.    The  change  in  accounting  for  contract  acquisition  costs  was  the  largest  impact  to  the
Company upon adoption of ASC 606.  

For a more complete discussion of the adoption impacts, see Note 2 to the Consolidated Financial Statements, included in this
report in Part II – Item 8 “Financial Statements and Supplementary Data”.

Operating Revenues

Commercial and Carrier

Data and Transport Services

We provide a variety of business communication services to business customers of all sizes, including many services over our
advanced fiber network.  The services we offer include scalable high-speed broadband Internet access and VoIP phone services,
which range from basic service plans to virtual hosted systems.  In addition to Internet and VoIP services, we also offer a variety
of  commercial  data  connectivity  services  in  select  markets  including  Ethernet  services;  private  line  data  services;  software
defined wide area network (“SD-WAN”) and multi-protocol label switching (“MPLS”).  Our networking services include point-
to-point  and  multi-point  deployments  from  2.5  Mbps  to  10  Gbps  to  accommodate  the  growth  patterns  of  our  business
customers.  We offer a suite of cloud-based services, which includes a hosted unified communications solution that replaces the
customer’s  on-site  phone  systems  and  data  networks,  managed  network  security  services  and  data  protection  services.    Data
center and disaster recovery solutions provide a reliable  and local colocation option for commercial  customers.  We also offer
wholesale  services  to  regional  and  national  interexchange  and  wireless  carriers,  including  cellular  backhaul  and  other  fiber
transport solutions.

Data  and  transport  services  revenues  increased  $6.8  million  during  2020  compared  to  2019  due  to  continued  growth  in  Metro
Ethernet  and  VoIP  services.    Data  and  transport  services  revenues  increased  $5.9  million  during  2019  compared  to  2018
primarily due to revenue related to sales-type leases recognized during 2019 (see Note 9 to the consolidated financial statements
included in this report in Part II – Item 8 – “Financial Statements and Supplementary Data” for a more detailed discussion of our
leasing arrangements) as well as continued growth in Metro Ethernet and VoIP services.  In recent years, the growth in data and
transport services revenues has been impacted by increased competition and price compression as customers are migrating from
legacy data connection products to Ethernet based products, which have a lower average revenue per user.  Future declines are
expected to be partially offset with the increasing demand for bandwidth and other Ethernet services.

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Voice Services

Voice services include basic local phone and long-distance service packages for business customers.  The plans include options
for  voicemail,  conference  calling,  linking  multiple  office  locations  and  other  custom  calling  features  such  as  caller  ID,  call
forwarding, speed dialing and call waiting.  Services can be charged at a fixed monthly rate, a measured rate or can be bundled
with selected services at a discounted rate.  We are also a full service 9-1-1 provider and have installed and maintained two turn-
key, state of the art statewide next-generation  emergency 9-1-1 systems.  These systems, located  in Maine and Vermont, have
processed  several  million  calls  relying  on  the  caller's  location  information  for  routing.    As  of  October  29,  2020,  we  were  no
longer the 9-1-1 service provider in Vermont.  Next-generation emergency 9-1-1 systems are an improvement over traditional 9-
1-1 and are expected to provide the foundation to handle future communication modes such as texting and video.

Voice services revenues decreased $6.6 million during 2020 compared to 2019 primarily due to a 7% decline in access lines in
2020 compared to 2019.  Voice services revenues decreased $14.6 million during 2019 compared to 2018 primarily due to an 8%
decline  in  access  lines  in  2019  compared  to  2018.    Commercial  customers  are  increasingly  choosing  alternative  technologies,
including our own VoIP product, and the broad range of features that Internet-based voice services can offer.

Other

Other  services  include  business  equipment  sales  and  related  hardware  and  maintenance  support,  video  services  and  other
miscellaneous  revenues.    Other  services  revenues  decreased  $7.8  million  during  2020  compared  to  2019  primarily  due  to  a
decrease  in  business  system  sales  in  2020.    Other  services  revenues  decreased  $3.5  million  during  2019  compared  to  2018
primarily due to the expiration of a co-marketing agreement in November 2018 as well as a decrease in business system sales in
2019.    

Consumer

Broadband Services

Broadband services include revenues from residential customers for subscriptions to our VoIP and data products.  We offer high-
speed Internet access at speeds of up to 1 Gbps, depending on the nature of the network facilities that are available, the level of
service  selected  and  the  location.    Our  VoIP  digital  phone  service  is  also  available  in  certain  markets  as  an  alternative  to  the
traditional telephone line. 

Broadband services revenues increased $6.0 million during 2020 compared to 2019 and $4.0 million during 2019 compared to
2018 despite a 4% decrease in data connections in both 2020 and 2019 primarily due to an increase in Internet services as a result
of price increases.  However, the increase in data revenue was partially offset by a decline in VoIP revenue due to a 15% and
14% decline in connections in 2020 and 2019, respectively, as more customers continue to rely exclusively on wireless service.

Video Services

Depending on geographic market availability, our video services range from limited basic service to advanced digital television,
which  includes  several  plans,  each  with  hundreds  of  local,  national  and  music  channels  including  premium  and  Pay-Per-View
channels  as  well  as  video  On-Demand  service.    Certain  customers  may  also  subscribe  to  our  advanced  video  services,  which
consist of high-definition television, digital video recorders (“DVR”) and/or a whole home DVR.  Our TV Everywhere service
allows  our  video  subscribers  to  watch  their  favorite  shows,  movies  and  livestreams  on  any  device.    In  addition,  we  offer  in-
demand streaming content, including: ATT TV, fuboTV, Philo and HBO NOW®.

Video services revenues decreased $7.1 million during 2020 compared to 2019 primarily due to a decrease in connections of 10%
in 2020 compared to 2019.  Video services revenues decreased $7.0 million during 2019 compared to 2018 primarily due to a
decrease in connections of 10% in 2019 compared to 2018.  Consumers are choosing to subscribe to alternative video services
such as over-the-top streaming services.

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Voice Services

We offer several different basic local phone service packages and long-distance calling plans, including unlimited flat-rate calling
plans.    The  plans  include  options  for  voicemail  and  other  custom  calling  features  such  as  caller  ID,  call  forwarding  and  call
waiting.  

Voice services revenues decreased $10.3 million during 2020 compared to 2019 primarily due to an 8% decline in access lines
during 2020 compared to 2019.  Voice services revenues decreased $21.2 million during 2019 compared to 2018 primarily due to
a  9%  decline  in  access  lines  during  2019  compared  to  2018.    The  number  of  local  access  lines  in  service  directly  affects  the
recurring  revenue  we generate  from  end  users and  continues  to  be  impacted  by the industry-wide  decline  in access  lines.   We
expect  to  continue  to  experience  erosion  in  voice  connections  due  to  competition  from  alternative  technologies,  including  our
own competing VoIP product.

Subsidies

Subsidies consist of both federal and state subsidies, which are designed to promote widely available, quality broadband services
at affordable prices with higher data speeds in rural areas.  Subsidies revenues decreased $0.4 million during 2020 compared to
2019 primarily due to a reduction in state subsidies support in 2020.

Subsidies  revenues  decreased  $11.0  million  during  2019  compared  to  2018  primarily  due  to  a  settlement  for  frozen  local
switching  support  of  $7.2  million  recognized  during  2018  as  well  as  the  scheduled  reductions  in  the  annual  Connect  America
Fund (“CAF”) Phase II funding rate in August 2018. See the “Regulatory Matters” section below for further discussion of the
subsidies we receive.  

Network Access Services

Network access services include interstate and intrastate switched access, network special access and end user access.  Switched
access  revenues  include  access  services  to  other  communications  carriers  to  terminate  or  originate  long-distance  calls  on  our
network.  Special access circuits provide dedicated lines and trunks to business customers and interexchange carriers.  Network
access services revenues decreased $12.8 million during 2020 compared to 2019 and $14.5 million  in 2019 compared to 2018
primarily as a result of the continuing decline in interstate rates, minutes of use, voice connections and carrier circuits; however, a
portion of the decrease can be attributed to carriers shifting to our fiber Metro Ethernet product, contributing to the growth in that
area.

Other Products and Services

Other products and services include revenues from telephone directory publishing, video advertising, billing and support services
and other miscellaneous revenues.  Other products and services revenues decreased $0.3 million during 2020 compared to 2019
and  $0.7  million  during  2019  compared  to  2018.    The  decline  in  other  products  and  services  revenues  was  primarily  due  to  a
decline in telephone directory advertising revenues.

Operating Expenses

Cost of Services and Products

Cost  of  services  and  products  decreased  $14.3  million  during  2020  compared  to  2019  primarily  due  to  a  reduction  in  video
programming costs as a result of a 10% decline in video connections, which was offset in part by an increase in programming
costs per channel as costs continue to rise as a result of annual rate increases.  Video programming costs are impacted by license
fees charged by cable networks, the amount and quality of the content we provide and the number of video subscribers we serve.
Cost  of  goods  sold  related  to  equipment  sales  also  decreased  from  a  decline  in  business  system  sales  in  the  current  year.
Employee salaries and benefits declined in 2020 as a result of a reduction in staff through continued cost savings initiatives. Cost
of services and products was also reduced by insurance recoveries received in 2020 for hurricane damage incurred in prior years.
 However, access expense increased due to new fiber and co-location costs as a result of an increase in commercial and carrier
services.

In 2019, cost of services and products decreased $37.0 million compared to 2018 primarily due to a decline in employee salaries
and benefits in 2019 as a result of a reduction in headcount through cost savings initiatives.  Pension costs also

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decreased as a result of the freezing of certain benefit plans in connection with new collective bargaining agreements ratified in
2018.  Access expense decreased primarily due to a decline in usage and rates.  Video programming costs also decreased due to a
10% decline in video connections, which was largely offset by an increase in programming costs per channel as costs continue to
rise as a result of annual rate increases.  

Selling, General and Administrative Costs

Selling,  general  and  administrative  costs  decreased  $23.7  million  during  2020  compared  to  2019  primarily  due  to  a  decline  in
integration and severance costs in connection with cost savings initiatives.  Employee salaries and benefits also declined in 2020
as  a  result  of  a  reduction  in  headcount.    In  addition,  contract  labor  costs  decreased  as  a  result  of  operating  efficiency
improvements.   However, customer acquisition costs increased related to the amortization of sales commissions following the
adoption of ASC 606.  Real estate taxes also increased due to property tax abatements received in 2019.  

Selling,  general  and  administrative  costs  decreased  $34.5  million  during  2019  compared  to  2018  primarily  due  to  operating
synergies  achieved  in  connection  with  the  integration  of  FairPoint  Communications,  Inc.  (“FairPoint”)  during  2018  which
resulted  in  a  reduction  in  operating  costs  and  decline  in  integration  costs  in  2019.    The  decline  in  selling,  general  and
administrative costs was also due to a decline in employee salaries and benefits in 2019 as a result of a reduction in headcount.  In
addition, real estate taxes decreased primarily due to property tax abatements received in 2019.  

Acquisition and Other Transaction Costs

Acquisition  and  other  transaction  costs  of  $7.6  million  includes  costs  incurred  in  2020  in  connection  with  the  investment
agreement  entered  into  with  Searchlight  in  October  2020.  Transaction  costs  consist  primarily  of  legal,  finance  and  other
professional fees incurred in connection with the CPRs issued as part of the transaction.

Depreciation and Amortization

Depreciation  and  amortization  expense  decreased  $56.3  million  during  2020  compared  to  2019  and  decreased  $51.4  million
during 2019 compared to 2018 primarily due to acquired assets becoming fully depreciated or amortized.  Depreciation expense
also  declined  due  to  the  sale  of  utility  poles  located  in  the  state  of  Vermont  in  2019.    These  declines  in  depreciation  and
amortization  expense  were  offset  in  part  by  ongoing  capital  expenditures  related  to  CAF  Phase  II  funding  requirements  and
success-based  capital  projects  for  consumer,  commercial  and  carrier  services  as  well  as  network  enhancements  and  customer
service improvements.  

Regulatory Matters

Our  revenues  are  subject  to  broad  federal  and/or  state  regulations,  which  include  such  telecommunications  services  as  local
telephone service, network access service and toll service.  The telecommunications industry is subject to extensive federal, state
and  local  regulation.    Under  the  Telecommunications  Act  of  1996,  federal  and  state  regulators  share  responsibility  for
implementing  and  enforcing  statutes  and  regulations  designed  to  encourage  competition  and  to  preserve  and  advance  widely
available, quality telephone service at affordable prices.

At the federal level, the FCC generally exercises jurisdiction over facilities and services of local exchange carriers, such as our
rural  telephone  companies,  to  the  extent  they  are  used  to  provide,  originate  or  terminate  interstate  or  international
communications.  The FCC has the authority to condition, modify, cancel, terminate or revoke our operating authority for failure
to comply with applicable federal laws or FCC rules, regulations and policies.  Fines or penalties also may be imposed for any of
these violations.

State regulatory commissions  generally exercise  jurisdiction  over carriers’  facilities  and services  to the extent they are used to
provide, originate or terminate intrastate communications.  In particular, state regulatory agencies have substantial oversight over
interconnection and network access by competitors of our rural telephone companies.  In addition, municipalities and other local
government agencies regulate the public rights-of-way necessary to install and operate networks.  State regulators can sanction
our rural telephone companies or revoke our certifications if we violate relevant laws or regulations.

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FCC Matters

In  general,  telecommunications  service  in  rural  areas  is  costlier  to  provide  than  service  in  urban  areas.    The  lower  customer
density  means  that  switching  and  other  facilities  serve  fewer  customers  and  loops  are  typically  longer,  requiring  greater
expenditures per customer to build and maintain.  By supporting the high-cost of operations in rural markets, Universal Service
Fund (“USF”) subsidies promote widely available, quality telephone service at affordable prices in rural areas.  

Our current annual support through the FCC’s CAF Phase II funding is $48.1 million through 2021, as described below.  The
specific  obligations  associated  with  CAF  Phase  II  funding  include  the  obligation  to  serve  approximately  124,500  locations  by
December  31,  2020  (with  interim  milestones  of  40%,  60%  and  80%  completion  by  December  2017,  2018  and  2019,
respectively);  to  provide  broadband  service  to  those  locations  with  speeds  of  10  Mbps  downstream  and  1  Mbps  upstream;  to
achieve latency of less than 100 milliseconds; to provide data of at least 100 gigabytes per month; and to offer pricing reasonably
comparable to pricing in urban areas.  The Company met the milestones for 2017 through 2020 for all states where it operates.

We accepted CAF Phase II support in all of our operating states except Colorado and Kansas where the offered CAF Phase II
support was declined.  We continued to receive annual frozen CAF Phase I support of $1.0 million in Colorado and Kansas until
April 2019, when the FCC CAF Phase II auction assigned support to another provider. 

The annual FCC price cap filing was made on June 15, 2020 and became effective on July 1, 2020.  This filing reflects the final
phase down of end office switching rates for our rate of return companies.  The net impact is a decrease of approximately $2.0
million in network access and CAF ICC support funding for the July 2020 through June 2021 tariff period.

In April 2019, the FCC announced plans for the Rural Digital Opportunity Fund (“RDOF”), the next phase of the CAF program.
The RDOF is a $20.4 billion fund to bring speeds of 25 Mbps downstream and 3 Mbps upstream to unserved and underserved
areas  of  America.    The  FCC  issued  a  Notice  of  Proposed  Rulemaking  at  their  August  2019  Open  Commission  Meeting.    The
order prioritizes terrestrial broadband as a bridge to rural 5G networks by providing a significant weight advantage to traditional
broadband  providers.    Funding  will  occur  in  two  phases  with  the  first  phase  auctioning  $16.0  billion  and  the  second  phase
auctioning  $4.4  billion,  each  to  be  distributed  over  10  years.    The  minimum  speed  required  to  receive  funding  is  25  Mbps
downstream and 3 Mbps upstream.  CAF Phase II funding has been extended through December 31, 2021 for price cap holding
companies.  The FCC has issued the final census block groups with locations and reserve price.  We filed the RDOF short form
application on July 14, 2020 and were listed as a qualified bidder by the FCC on October 13, 2020 and participated in the auction.
 The auction began on October 29, 2020 and ended on November 24, 2020.  Consolidated won 246 census block groups serving
in  seven  states.    The  bids  we  won  are  at  the  1  Gbps  downstream  and  500  Mbps  upstream  speed  tier  to  approximately  27,000
locations at a funding level of $5.9 million annually over 10 years.  Consolidated filed its long form application with supporting
documents on January 29, 2021.

State Matters

Texas

The  Texas  Universal  Service  Fund  (“TUSF”)  is  administered  by  the  National  Exchange  Carrier  Association  (“NECA”).    The
Texas  Public  Utilities  Regulatory  Act  directs  the  Public  Utilities  Commission  of  Texas  (“PUCT”)  to  adopt  and  enforce  rules
requiring  local  exchange  carriers  to  contribute  to  a  state  universal  service  fund  that  helps  telecommunications  providers  offer
basic  local  telecommunications  service  at  reasonable  rates  in  high-cost  rural  areas.    The  TUSF  is  also  used  to  reimburse
telecommunications  providers  for  revenues  lost  by  providing  lifeline  service.    Our  Texas  rural  telephone  companies  receive
disbursements from this fund.

Our Texas Incumbent Local Exchange Carriers (“ILECs”) have historically received support from two state funds, the small and
rural  incumbent  local  exchange  company  plan  High  Cost  Fund  (“HCF”)  and  the  High  Cost  Assistance  Fund  (“HCAF”).    In
December  2020,  the  PUCT  announced  a  TUSF  funding  shortfall  and  would  be  reducing  all  funded  carriers  support  by  64%
beginning  January  15,  2021.    The  Texas  Telephone  Association,  which  Consolidated  is  a  member,  filed  a  lawsuit  seeking  to
overturn the PUCT decision as well as a temporary injunction on the funding reduction.  The potential impact is a reduction in
support of approximately $4.0 million annually.

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FairPoint Merger Requirements

As  part  of  our  acquisition  of  FairPoint  in  2017,  we  have  regulatory  commitments  that  vary  by  state,  some  of  which  required
capital investments in our network over several years through 2020.  The requirements included improved data speeds and other
service quality improvements in select locations primarily in our northern New England, New York and Illinois markets.  In New
Hampshire and Vermont, we were required to invest 13% and 14%, respectively, of total state revenues in capital improvements
per year for 2018, 2019 and 2020.  For our service territory in Maine, we were required to make capital expenditures of $16.4
million per year from 2018 through 2020.  In addition, we were required to invest an incremental $1.0 million per year in each of
these three states for service quality improvements.  In New York, we were required to invest $4.0 million over three years to
expand the broadband network to over 300 locations.  In Illinois, we were required to invest an additional $1.0 million by the end
of  2018  to  increase  broadband  availability  and  speeds  in  areas  served  by  the  FairPoint  Illinois  ILECs.    We  met  all  of  the
regulatory commitments for 2017 through 2020 for Maine, New Hampshire and Vermont.  We completed merger requirements
for Illinois in December 2018 and New York in June 2020, both within the required time commitment.

CARES Act Funding

States are reviewing opportunities to use federal CARES Act funding to assist in the deployment of broadband to unserved and
underserved areas within their respective states.  All broadband build outs were required to be completed by December 31, 2020
in  order  to  receive  funding.    New  Hampshire  allocated  $50.0  million  of  CARES  Act  funding  to  fund  broadband  expansion  to
unserved  and  underserved  locations  throughout  the  state.      Consolidated  was  granted  up  to  $3.5  million  to  build  high-speed
Internet networks for homes and businesses in New Hampshire towns of Danbury, Springfield and Mason.  The state funded 10%
upfront with the remainder received upon completion of projects by December 31, 2020.    

COVID-19

On March 13, 2020, the FCC issued a pledge to Keep America Connected through May 13, 2020, which was later extended to
June  30,  2020.    The  pledge  asked  all  communications  providers  to  not  terminate  service  to  any  residential  or  small  business
customers because of their inability to pay their bills due to the disruptions caused by the coronavirus pandemic; to waive any late
fees  that  any residential  or small  business  customers  incur  because  of  their  economic  circumstances  related  to  the coronavirus
pandemic; and to open their Wi-Fi hotspots to any American who needs them.

Consolidated signed on to the pledge through June 30, 2020.  Several states took the FCC pledge a step further by not allowing
any carrier to disconnect service within their state during the Governors’ declared state of emergency, which Consolidated also
supported.

Other Regulatory Matters

We  are  also  subject  to  a  number  of  regulatory  proceedings  occurring  at  the  federal  and  state  levels  that  may  have  a  material
impact on our operations. The FCC and state commissions have authority to issue rules and regulations related to our business.  A
number  of  proceedings  are  pending  or  anticipated  that  are  related  to  such  telecommunications  issues  as  competition,
interconnection,  access  charges,  ICC,  broadband  deployment,  consumer  protection  and  universal  service  reform.    Some
proceedings may authorize new services  to compete with our existing services.  Proceedings that relate to our cable television
operations  include  rulemakings  on  set  top  boxes,  carriage  of  programming,  industry  consolidation  and  ways  to  promote
additional  competition.    There  are  various  on-going  legal  challenges  to  the  scope  or  validity  of  FCC  orders  that  have  been
issued.  As a result, it is not yet possible to fully determine the impact of the related FCC rules and regulations on our operations.

Non-Operating Items

Interest Expense, Net

Interest expense, net of interest income, increased $6.9 million during 2020 compared to 2019 primarily due to additional interest
of $7.9 million recognized on the Note issued to Searchlight as part of the investment agreement entered into in October 2020.
 Interest on our outstanding senior notes also increased in 2020 due to the issuance of $750.0 million in 6.50% Senior Notes due
2028, which were used in part, to redeem the then-remaining amount of our outstanding 6.50% Senior Notes due 2022 as part of
the refinancing of our long-term debt in October 2020 as described in the “Liquidity and

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Capital Resources” section below.  However, interest expense was reduced in part by a reduction in outstanding debt under our
revolving credit facility and a decline in variable interest rates in the current year.

Interest  expense,  net  of  interest  income,  increased  $2.2  million  during  2019 compared  to  2018  primarily  due  to  an  increase  in
variable interest rates in 2019.  The increase in interest expense was offset in part by noncash charges recognized in 2018 related
to our re-designated interest rate swap agreements.  

Gain on Extinguishment of Debt

As described in the “Liquidity and Capital Resources” section below, we incurred a loss on the extinguishment of debt of $18.3
million  in  connection  with  the  refinancing  of  our  credit  agreement  and  the  redemption  of  our  6.50%  Senior  Notes  due  2022
during the year ended December 31, 2020.

In 2019, we repurchased $55.0 million of the aggregate principal amount of our 6.50% Senior Notes due 2022.  In connection
with the partial repurchase of the Senior Notes, we recognized a gain on extinguishment of debt of $4.5 million during the year
ended December 31, 2019.

Change in Fair Value of Contingent Payment Obligations

We  are  required  to  measure  our  contingent  payment  obligations  at  fair  value  until  they  are  converted  into  shares  of  the
Company’s common stock.  During the year ended December 31, 2020, we recognized a gain of $23.8 million on the decline in
the fair value of the contingent payment rights issued to Searchlight.

Other Income

Other income increased $23.6 million during 2020 compared to 2019 primarily due to a decrease in pension and post-retirement
benefit expense of $15.5 million.  During the year ended December 31, 2019, we recognized a pension settlement charge of $6.7
million as a result of the transfer of the pension liability for a select group of retirees to an annuity provider.  See Note 11 to the
consolidated  financial  statements  for  a  more  detailed  discussion  regarding  our  pension  and  other  post-retirement  plans.
 Investment  income  increased  $3.0  million  during  2020  from  our  wireless  partnership  interests.    In  addition,  during  2020,  we
recognized a gain of $3.7 million on the sale of our 39 GHz wireless spectrum licenses as part of the FCC’s efforts to reclaim
broadcast TV spectrum for wireless use.

Other income decreased $13.7 million during 2019 compared to 2018.  Investment income decreased $1.5 million during 2019
primarily  as  a  result  of  lower  earnings  from  our  wireless  partnership  interests.    Pension  and  post-retirement  benefit  expense
increased $11.2 million as compared to 2018 primarily from a pension settlement charge of $6.7 million recognized in 2019 as a
result of the transfer of the pension liability for a select group of retirees to an annuity provider.

Income Taxes

Income  taxes  increased  $14.6  million  in  2020  compared  to  2019.    The  increase  was  primarily  related  to  the  change  in  pretax
income.    Our  effective  tax  rate  was  22.7%  for  2020  compared  to  15.7%  for  2019.    In  2020  and  2019,  we  placed  additional
valuation  allowances  on  deferred  tax  assets  related  to  state  NOL  and  state  tax  credit  carryforwards  of  $1.3  million  and  $1.1
million,  respectively.  The  investment  transaction  with  Searchlight  on  October  2,  2020  resulted  in  a  net  decrease  to  our  tax
provision of $1.6 million due to various permanent income taxes differences.  In addition, for 2020 and 2019, the effective tax
rate  differed  from  the  federal  and  state  statutory  rates  due  to  various  permanent  income  tax  differences  and  differences  in
allocable income for the Company’s state tax filings.  Exclusive of discrete adjustments, our effective tax rate for 2020 would
have been approximately 24.8% compared to 27.1% for 2019.

Income  taxes  increased  $20.4  million  in  2019  compared  to  2018.    The  increase  was  primarily  related  to  the  change  in  pretax
income.  Our effective tax rate was 15.7% for 2019 compared to 32.3% for 2018.  We recorded a net increase of $0.7 million in
2019  and  a  net  decrease  of  $2.8  million  in  2018  to  our  state  tax  expense  due  to  changes  in  unitary  filings  and  state  deferred
income tax rates.  In 2019 and 2018, we placed additional valuation allowances on deferred tax assets related to state NOL and
state  tax  credit  carryforwards  of  $1.1  million  and  $1.7  million,  respectively.    During  2018,  adjustments  were  made  to  the
provisional estimates that were disclosed as of December 31, 2017 under Staff Accounting Bulletin No. 118 for the Tax Cuts and
Jobs  Act  of  2017  (the  “Tax  Act”)  that  resulted  in  a  $5.2  million  decrease  to  our  tax  provision.    During  2019  and  2018,  we
recorded  various  other  adjustments  related  to  a  state  examination,  acquisition  purchase  accounting  and  disposition  of  a
subsidiary.  In addition, for 2019 and 2018, the effective tax rate differed from the federal and state statutory rates due to various
permanent income tax differences and differences in allocable income

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for  the  Company’s  state  tax  filings.    Exclusive  of  discrete  adjustments,  our  effective  tax  rate  for  2019  would  have  been
approximately 27.1% compared to 25.3% for 2018.

Non-GAAP Measures

In addition to the results reported in accordance with US GAAP, we also use certain non-GAAP measures such as EBITDA and
Adjusted EBITDA to evaluate operating performance and to facilitate the comparison of our historical results and trends. These
financial measures are not a measure of financial performance under US GAAP and should not be considered in isolation or as a
substitute for net income as a measure of performance  and net cash provided by operating activities as a measure of liquidity.
They are not, on their own, necessarily indicative of cash available to fund cash needs as determined in accordance with GAAP.
The  calculation  of  these  non-GAAP  measures  may  not  be  comparable  to  similarly  titled  measures  used  by  other  companies.
Reconciliations of these non-GAAP measures to the most directly comparable financial measures presented in accordance with
GAAP are provided below.

EBITDA is defined as net earnings before interest expense, income taxes, and depreciation and amortization.  Adjusted EBITDA
is  comprised  of  EBITDA,  adjusted  for  certain  items  as  permitted  or  required  under  our  credit  facility  as  described  in  the
reconciliations below.  These measures are a common measure of operating performance in the telecommunications industry and
are useful, with other data, as a means to evaluate our ability to fund our estimated uses of cash.

The following tables are a reconciliation of net income (loss) to Adjusted EBITDA for the years ended December 31, 2020, 2019
and 2018:

(In thousands, unaudited)
Net income (loss)
Add (subtract):

Interest expense, net of interest income
Income tax expense (benefit)
Depreciation and amortization

EBITDA

Adjustments to EBITDA:

Other, net (1)
Investment distributions (2)
(Gain) loss on extinguishment of debt
Change in fair value of contingent payment rights
Non-cash, stock-based compensation

Adjusted EBITDA

$

$

Year Ended December 31,
2019
$  (19,931)

2020
 37,302

2018
$  (50,571)

 143,591
 10,936
 324,864
 516,693

   136,660
 (3,714)
   381,237
   494,252

   134,578
 (24,127)
   432,668
   492,548

 (30,993)
 41,529
 18,264
 (23,802)
 7,533
 529,224

 (8,847)
 35,809
 (4,510)
 —
 6,836
$  523,540

 549
 39,078
 —
 —
 5,119
$  537,294

(1) Other,  net  includes  the  equity  earnings  from  our  investments,  dividend  income,  income  attributable  to  noncontrolling
interests in subsidiaries, acquisition and transaction related costs including integration and severance, non-cash pension and
post-retirement benefits and certain other miscellaneous items.

(2)

Includes all cash dividends and other cash distributions received from our investments.

Liquidity and Capital Resources

Outlook and Overview

Our operating requirements have historically been funded from cash flows generated from our business and borrowings under our
credit  facilities.   We  expect  that  our future  operating  requirements  will continue  to be funded from  cash flows from operating
activities, existing cash and cash equivalents, and, if needed, from borrowings under our revolving credit facility and our ability
to  obtain  future  external  financing.    We  anticipate  that  we  will  continue  to  use  a  substantial  portion  of  our  cash  flow  to  fund
capital expenditures, meet scheduled payments of long-term debt, and to invest in future business opportunities.

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The following table summarizes our cash flows:

(In thousands)
Cash flows provided by (used in):

Operating activities
Investing activities
Financing activities

Increase (decrease) in cash and cash equivalents

Cash Flows Provided by Operating Activities

2020

Years Ended December 31,
2019

2018

$

$

 364,980
 (210,066)
 (11,748)
 143,166

$

$

 339,096
 (217,819)
 (118,481)
 2,796

$

$

 357,321
 (221,459)
 (141,920)
 (6,058)

Net cash provided by operating activities was $365.0 million in 2020, an increase of $25.9 million compared to the same period
in 2019.  Cash flows provided by operating activities increased as a result of an increase in earnings primarily from a reduction in
operating  expenses  through  cost  management  initiatives  and  improved  operating  efficiencies.  Cash distributions  received  from
our wireless partnerships also increased $5.7 million in 2020 compared to 2019. Interest payments decreased approximately $8.6
million from prior year due a decrease in variable interest rates in 2020.  In response to the potential impacts of the COVID-19
pandemic,  we  elected  the  deferral  of  certain  employer  payroll  tax  payments  under  the  CARES  Act  of  approximately  $12.0
million  during  2020.  In  addition,  cash  contributions  to  our  defined  benefit  pension  plans  decreased  $3.5  million  in  2020
compared to 2019. However, income tax refunds decreased approximately $7.8 million from 2019.

In 2019, net cash provided by operating activities was $339.1 million, a decrease of $18.2 million compared to the same period in
2018  primarily  as  a  result  of  changes  in  working  capital  and  the  timing  of  payments  for  accrued  compensation.    In  addition,
interest payments increased approximately $7.1 million from prior year due to an increase in variable interest rates in 2019.  Cash
distributions received from our wireless partnerships also decreased $3.3 million in 2019 compared to 2018.

Cash Flows Used In Investing Activities

Net  cash  used  in  investing  activities  consists  primarily  of  cash  used  for  capital  expenditures  and  cash  received  from  business
dispositions and the sale of assets.

Capital Expenditures

Capital expenditures continue to be our primary recurring investing activity and were $217.6 million, $232.2 million and $244.8
million in 2020, 2019 and 2018, respectively.  Capital expenditures for 2021 are expected to be $400.0 million to $420.0 million,
which will be used to support success-based capital projects for commercial, carrier and consumer initiatives and for our planned
fiber  projects  and  broadband  network  expansion,  which  will  include  the  upgrade  in  2021  of  more  than  300,000  passings  with
multi-Gig data speeds.  We expect to continue to invest in the enhancement and expansion of our fiber network in order to retain
and acquire more customers through a broader set of products and an expanded network footprint.

Divestitures

Cash proceeds from the sale of assets decreased $7.6 million in 2020 compared to 2019.  In 2020, we received cash proceeds of
$3.7 million on the sale of our 39 GHz wireless spectrum licenses as part of the FCC’s spectrum recovery efforts. In 2019, we
received cash proceeds of approximately $12.4 million for the sale of utility poles located in the state of Vermont. In 2018, we
received cash proceeds of $21.0 million for the sale of our subsidiaries Peoples Mutual Telephone Company and Peoples Mutual
Long Distance Company, our local exchange carrier in Virginia.

Cash Flows Provided by (Used In) Financing Activities

Net cash used in financing  activities  consists primarily  of our proceeds from and principal payments on long-term  borrowings
and repurchases of debt.

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Long-term Debt

The following table summarizes our indebtedness as of December 31, 2020:

(In thousands)
6.50% Senior Notes
Term loans, net of discount
Finance leases

$

Balance

 750,000  
 1,228,694  
 17,467  

$

 1,996,161

Maturity Date

October 1, 2028
October 2, 2027  

Rate(1)

 6.50 %
LIBOR plus 4.75 %

 6.99 % (2)

(1) At December 31, 2020, the 1-month LIBOR applicable to our borrowings was 0.15%.  The term loans are subject to a 1.00%

LIBOR floor.

(2) Weighted-average rate.

Credit Agreement

On  October  2,  2020,  the  Company,  through  certain  of  its  wholly-owned  subsidiaries,  entered  into  a  Credit  Agreement  with
various financial institutions (the “Credit Agreement”) to replace the Company’s previous credit agreement in its entirety.  The
Credit Agreement consists of term loans in the aggregate amount of $1,250.0 million (the “Term Loans”) and a revolving loan
facility of $250.0 million, which replaced the previous $110.0 million revolving loan facility scheduled to mature on October 5,
2021.  The Credit Agreement also includes an incremental loan facility which provides the ability to borrow, subject to certain
terms  and  conditions,  incremental  loans  in  an  aggregate  amount  of  up  to  the  greater  of  (a)  $300.0  million  plus  (b)  an  amount
which would not cause its senior secured leverage ratio not to exceed 3.70:1.00 (the “Incremental Facility”).  Borrowings under
the  Credit  Agreement  are  secured  by  substantially  all  of  the  assets  of  the  Company  and  its  subsidiaries,  subject  to  certain
exceptions.  

The Term Loans were issued in an original aggregate principal amount of $1,250.0 million with a maturity date of October 2,
2027 and contain an original issuance discount of 1.5% or $18.8 million, which is being amortized over the term of the loan.  The
Term Loans require quarterly principal payments of $3.1 million, which commenced December 31, 2020, and bear interest at a
rate 4.75% plus the London Interbank Offered Rate (“LIBOR”) subject to a 1.00% LIBOR floor.

The  revolving  credit  facility  has  a  maturity  date  of  October  2,  2025  and  an  applicable  margin  (at  our  election)  of  4.00%  for
LIBOR-based borrowings or 3.00% for alternate base rate borrowings, with a 0.25% reduction in each case if the consolidated
first lien leverage ratio, as defined in the Credit Agreement, does not exceed 3.20 to 1.00.  As of December 31, 2020, there were
no  borrowings  outstanding  under  the  revolving  credit  facility.    At  December  31,  2019,  borrowings  of  $40.0  million  were
outstanding  under  the  previous  revolving  credit  facility,  which  consisted  of  LIBOR-based  borrowings  of  $30.0  million  and
alternate base rate borrowings of $10.0 million.  Stand-by letters of credit of $18.1 million were outstanding under our revolving
credit  facility  as  of  December  31,  2020.    The  stand-by  letters  of  credit  are  renewable  annually  and  reduce  the  borrowing
availability under the revolving credit facility.  As of December 31, 2020, $231.9 million was available for borrowing under the
revolving credit facility.

The weighted-average interest rate on outstanding borrowings under our credit facilities was 5.75% and 4.80% at December 31,
2020 and 2019, respectively.  Interest is payable at least quarterly.

Financing Costs

In connection with entering into the Credit Agreement in October 2020, fees of $29.1 million were capitalized as deferred debt
issuance  costs.    These  capitalized  costs  are  amortized  over  the  term  of  the  debt  and  are  included  as  a  component  of  interest
expense  in  the  consolidated  statements  of  operations.  We  also  incurred  a  loss  on  the  extinguishment  of  debt  of  $12.3  million
during  the  year  ended  December  31,  2020  related  to  the  repayment  of  the  outstanding  term  loan  under  the  previous  credit
agreement.

Credit Agreement Covenant Compliance

The Credit Agreement contains various provisions and covenants, including, among other items, restrictions on the ability to pay
dividends, incur additional indebtedness, and issue certain capital stock.  We have agreed to maintain certain

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financial ratios, including a maximum consolidated first lien leverage ratio, as defined in the Credit Agreement.  Among other
things, it will be an event of default, with respect to the revolving credit facility only, if our consolidated first lien leverage ratio
as of the end of any fiscal quarter is greater than 5.85:1.00.  As of December 31, 2020, our consolidated first lien leverage ratio
under  the  Credit  Agreement  was  3.56:1.00.    As  of  December  31,  2020,  we  were  in  compliance  with  the  Credit  Agreement
covenants.

Credit Agreement Amendment

On January 15, 2021, the Company entered into Amendment No. 1 to the Credit Agreement in which we borrowed an additional
$150.0  million  aggregate  principal  amount  of  incremental  term  loans  (the  “Incremental  Term  Loans”).  The  Incremental  Term
Loans have terms and conditions identical to the Term Loans including the same maturity date and interest rate. The Term Loans
and  Incremental  Term  Loans  will  collectively  comprise  a  single  class  of  term  loans  under  the  Credit  Agreement,  as  amended.
 The Term Loans will require quarterly principal payments of $3.5 million beginning on March 31, 2021.  

Senior Notes

6.50% Senior Notes due 2028

On October 2, 2020, we completed an offering of $750.0 million aggregate principal amount of 6.50% unsubordinated secured
notes due 2028 (the “Senior Notes”).  The Senior Notes were priced at par and bear interest at a rate of 6.50%, payable semi-
annually on April 1 and October 1 of each year, beginning on April 1, 2021.  The Senior Notes will mature on October 1, 2028.
 Deferred debt issuance costs of $17.0 million incurred in connection with the issuance of the Senior Notes are being amortized
using the effective interest method over the term of the Senior Notes.  

The Senior Notes are unsubordinated secured obligations of the Company, secured by a first priority lien on the collateral that
secures the Company’s obligations under the Credit Agreement. The Senior Notes are fully and unconditionally guaranteed on a
first priority secured basis by the Company and the majority of our wholly-owned subsidiaries.  The offering of the Senior Notes
has not been registered under the Securities Act of 1933, as amended or any state securities laws.

Senior Notes Covenant Compliance

Subject  to  certain  exceptions  and  qualifications,  the  indenture  governing  the  Senior  Notes  contains  customary  covenants  that,
among other things, limits the Company and its restricted subsidiaries’ ability to: incur additional debt or issue certain preferred
stock; pay dividends or make other distributions on capital stock or prepay subordinated indebtedness; purchase or redeem any
equity  interests;  make  investments;  create  liens;  sell  assets;  enter  into  agreements  that  restrict  dividends  or  other  payments  by
restricted subsidiaries; consolidate, merge or transfer all or substantially all of its assets; engage in transactions with its affiliates;
or  enter  into  any sale  and  leaseback  transactions.   The  indenture  also  contains  customary  events  of  default.   At December  31,
2020, the Company was in compliance with all terms, conditions and covenants under the indenture governing the Senior Notes.

Redemption of 6.50% Senior Notes due 2022

On  October  2,  2020,  a  notice  of  redemption  was  issued  to  holders  of  our  then  outstanding  $440.5  million  aggregate  principal
amount of 6.50% Senior Notes due in October 2022 (the “2022 Notes”) to redeem all outstanding 2022 Notes at a price equal to
100% of the aggregate principal amount plus accrued and unpaid interest through the redemption date.  A portion of the proceeds
from the issuance of the Senior Notes was deposited with the trustee to pay and discharge the entire indebtedness under the 2022
Notes.  The 2022 Notes were redeemed on November 2, 2020, in accordance with the notice of redemption.  

In connection with the redemption of the 2022 Notes, we recognized a loss on extinguishment of debt of $5.9 million during the
year  ended  December  31,  2020.  During  the  year  ended  December  31,  2019,  we  repurchased  $55.0  million  of  the  aggregate
principal amount of the 2022 Notes for $49.8 million and recognized a gain on extinguishment of debt of $4.5 million.

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Finance Leases

We  lease  certain  facilities  and  equipment  under  various  finance  leases  which  expire  between  2021  and  2040.    As  of
December 31, 2020, the present value of the minimum remaining lease commitments was approximately $17.5 million, of which
$5.1 million was due and payable within the next twelve months.  The leases require total remaining rental payments of $20.6
million as of December 31, 2020.

Searchlight Investment

On October 2, 2020, we closed on the first stage of the strategic investment of $350.0 million with Searchlight.  Searchlight will
invest up to a total of $425.0 million in Consolidated and, assuming satisfaction of certain conditions set forth in the Investment
Agreement will hold a combination of perpetual Series A preferred stock and up to 35% of the Company’s outstanding common
stock.  The  Searchlight  investment  will  enable  us  to  accelerate  investment  in  our  network  over  a  multi-year  period.  The
Investment  is  structured  to  maximize  the  proceeds  to  the  Company  in  the  near  term  so  that  we  can  invest  in  our  network
immediately, and then the Investment converts into an equity-like structure upon receipt of certain required regulatory approvals.
We  expect  the  closing  of  the  second  stage  of  the  investment  to  be  completed  in  mid-2021  at  which  time,  we  will  receive  the
additional investment of $75.0 million from Searchlight.

Dividends

We paid $55.4 million in dividend payments to shareholders during 2019. On April 25, 2019, we announced the elimination of
the payment of quarterly dividends on our stock beginning in the second quarter of 2019 in order to focus on deleveraging, fiber
network investments and create long-term value for our stockholders.  Future dividend payments, if any, are at the discretion of
our Board of Directors.  Changes in our dividend program will depend on our earnings, capital requirements, financial condition,
debt covenant compliance, expected cash needs and other factors considered relevant by our Board of Directors.

Sufficiency of Cash Resources

The following table sets forth selected information regarding our financial condition:

(In thousands, except for ratio)
Cash and cash equivalents
Working capital (deficit)
Current ratio

December 31,

$

2020
 155,561
 70,191
 1.26

$

2019
 12,395
 (67,429)
 0.72

Our net working capital position improved $137.6 million as of December 31, 2020 compared to December 31, 2019 primarily as
a result of an increase in cash and cash equivalents of $143.2 million driven by our capital allocation plan implemented in 2019,
which prioritized improving our leverage ratio and maximizing our cash and liquidity position. In addition, on October 2, 2020,
we closed on the first stage of the strategic investment with Searchlight and completed a global refinancing of our long-term debt.
 Working  capital  also  improved  from  a  decline  in  the  current  portion  of  long-term  debt  and  finance  lease  obligations  of  $9.7
million  as a result of the refinancing  which reduced our outstanding  term loans and the expiration  of several  finance  leases in
2020.  However, working capital was reduced by an increase in accrued interest of $13.3 million at December 31, 2020 related to
an increase in interest for our Senior Notes and the addition of accrued interest on the Searchlight Note of $7.9 million.  

Our  most  significant  use  of  funds  in  2021  is  expected  to  be  for:  (i)  interest  payments  on  our  indebtedness  of  between  $145.0
million  and  $150.0  million  and  principal  payments  on  debt  of  $12.5  million;  and  (ii)  capital  expenditures  of  between  $400.0
million and $420.0 million.  The refinancing of our capital structure in 2020 combined with the Searchlight investment provides
us the capital and financial flexibility to fund our accelerated fiber network expansion and growth plans. In addition, on January
15,  2021,  we  borrowed  an  additional  $150.0  million  aggregate  principal  amount  of  incremental  term  loans  under  our  Credit
Agreement.    In  the  future,  our  ability  to  use  cash  may  be  limited  by  our  other  expected  uses  of  cash  and  our  ability  to  incur
additional debt will be limited by our existing and future debt agreements.

We  believe  that  cash  flows  from  operating  activities,  together  with  our  existing  cash  and  borrowings  available  under  our
revolving credit facility, will be sufficient for at least the next twelve months to fund our current anticipated uses of cash.  After
that, our ability to fund these expected uses of cash and to comply with the financial covenants under our debt

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agreements will depend on the results of future operations, performance and cash flow.  Our ability to fund these expected uses
from  the  results  of  future  operations  will  be  subject  to  prevailing  economic  conditions  and  to  financial,  business,  regulatory,
legislative  and  other  factors,  many  of  which  are  beyond  our  control.  Due to  the  uncertainty  and  unpredictability  related  to  the
potential impacts of the COVID-19 pandemic on our business, we will continue to closely manage our cash and liquidity.  

We  may  be  unable  to  access  the  cash  flows  of  our  subsidiaries  since  certain  of  our  subsidiaries  are  parties  to  credit  or  other
borrowing  agreements,  or  subject  to  statutory  or  regulatory  restrictions,  that  restrict  the  payment  of  dividends  or  making
intercompany  loans  and  investments,  and  those  subsidiaries  are  likely  to  continue  to  be  subject  to  such  restrictions  and
prohibitions for the foreseeable future.  In addition, future agreements that our subsidiaries may enter into governing the terms of
indebtedness may restrict our subsidiaries’ ability to pay dividends or advance cash in any other manner to us.

To  the  extent  that  our  business  plans  or  projections  change  or  prove  to  be  inaccurate,  we  may  require  additional  financing  or
require financing sooner than we currently anticipate.  Sources of additional financing may include commercial bank borrowings,
other  strategic  debt  financing,  sales  of  nonstrategic  assets,  vendor  financing  or  the  private  or  public  sales  of  equity  and  debt
securities.  There can be no assurance that we will be able to generate sufficient cash flows from operations in the future, that
anticipated revenue growth will be realized, or that future borrowings or equity issuances will be available in amounts sufficient
to provide adequate sources of cash to fund our expected uses of cash.  Failure to obtain adequate financing, if necessary, could
require us to significantly reduce our operations or level of capital expenditures, which could have a material adverse effect on
our financial condition and the results of operations.

Surety Bonds

In  the  ordinary  course  of  business,  we  enter  into  surety,  performance  and  similar  bonds  as  required  by  certain  jurisdictions  in
which we provide services.  As of December 31, 2020, we had approximately $6.1 million of these bonds outstanding.

Contractual Obligations

As of December 31, 2020, our contractual obligations were as follows:  

(In thousands)
Long-term debt
Interest on long-term debt obligations (1)
Finance leases
Operating leases
Unconditional purchase obligations:

Unrecorded (2)
Recorded (3)
Pension funding (4)

Less than
1 Year
$  12,500
   146,933
 5,968
 7,319

1 - 3
Years
$  25,000
   275,188
 6,314
 11,350

$

3 - 5
Years

 25,000
 257,436
 3,582
 5,189

$

Thereafter
 1,934,375
 280,388
 4,721
 9,491

Total
$  1,996,875
 959,945
 20,585
 33,349

 37,882
   140,431
 29,525

40,397

7,476

 2,237

 —  

 —  

 52,479

 48,824

 —  
 —  

 87,992
 140,431
 130,828

(1)

Interest on long-term debt includes amounts due on fixed and variable rate debt.  As the rates on our variable debt are subject
to change, the rates in effect at December 31, 2020 were used in determining our future interest obligations. Amounts do not
include interest on the Note issued to Searchlight as part of the investment agreement which includes a paid-in-kind (“PIK”)
option for a five-year period beginning as of October 2, 2020.  The Company intends to exercise the PIK interest option on
the Note through at least 2022.

(2) Unrecorded purchase obligations include binding commitments for future capital expenditures and service and maintenance
agreements to support various computer hardware and software applications and certain equipment.  If we terminate any of
the  contracts  prior  to  their  expiration  date,  we  would  be  liable  for  minimum  commitment  payments  as  defined  by  the
contractual terms of the contracts.

(3) Recorded obligations include amounts in accounts payable and accrued expenses for external goods and services received as

of December 31, 2020 and expected to be settled in cash.

(4) Expected  contributions  to  our  pension  and  post-retirement  benefit  plans  for  the  next  5  years.    Actual  contributions  could

differ from these estimates and are expected to extend beyond 5 years.  

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Defined Benefit Pension Plans

As required, we contribute to qualified defined pension plans and non-qualified supplemental retirement plans (collectively the
“Pension  Plans”)  and  other  post-retirement  benefit  plans,  which  provide  retirement  benefits  to  certain  eligible  employees.
Contributions are intended to provide for benefits attributed to service to date. Our funding policy is to contribute annually an
actuarially determined amount consistent with applicable federal income tax regulations.

The cost to maintain our Pension Plans and future funding requirements  are affected by several factors including the expected
return on investment of the assets held by the Pension Plans, changes in the discount rate used to calculate pension expense and
the  amortization  of  unrecognized  gains  and  losses.    Returns  generated  on  the  Pension  Plans  assets  have  historically  funded  a
significant portion of the benefits paid under the Pension Plans.  We used a weighted-average expected long-term rate of return of
6.25% and 6.97% in 2020 and 2019, respectively.  As of January 1, 2021, we estimate the long-term rate of return of Plan assets
will be 6.00%.  The Pension Plans invest in marketable equity securities which are exposed to changes in the financial markets.
 If  the  financial  markets  experience  a  downturn  and  returns  fall  below  our  estimate,  we  could  be  required  to  make  material
contributions to the Pension Plans, which could adversely affect our cash flows from operations.

Net  pension  and  post-retirement  (benefit)/costs  were  $(4.1)  million,  $11.5  million  and  $5.6  million  for  the  years  ended
December 31, 2020, 2019 and 2018, respectively.  We contributed $24.0 million, $27.5 million and $26.2 million in 2020, 2019
and 2018, respectively to our Pension Plans.  For our other post-retirement plans, we contributed $9.2 million, $8.5 million and
$9.7  million  in  2020,  2019  and  2018,  respectively.    In  2021,  we  expect  to  make  contributions  totaling  approximately  $20.7
million  to  our  Pension  Plans  and  $8.8  million  to  our  other  post-retirement  benefit  plans.  Our  contribution  amounts  meet  the
minimum  funding  requirements  as  set  forth  in  employee  benefit  and  tax  laws.    See  Note  11  to  the  consolidated  financial
statements for a more detailed discussion regarding our pension and other post-retirement plans.

Income Taxes

The timing of cash payments for income taxes, which is governed by the Internal Revenue Service and other taxing jurisdictions,
will differ from the timing of recording tax expense and deferred income taxes, which are reported in accordance with GAAP.
 For example, tax laws in effect regarding accelerated or “bonus” depreciation for tax reporting resulted in less cash payments
than  the  GAAP  tax  expense.    Acceleration  of  tax  deductions  could  eventually  result  in  situations  where  cash  payments  will
exceed GAAP tax expense.

Related Party Transactions

A trust, the beneficiary of which was Mr. Richard A. Lumpkin, who was a member of the Company’s Board of Directors until
April 4, 2019, owned $5.0 million of the 2022 Senior Notes. We recognized approximately $0.1 million through April 4, 2019
and $0.3 million in 2018 in interest expense for the 2022 Senior Notes owned by the related party.

We have lease agreements with LATEL LLC (“LATEL”) for the occupancy of three buildings on a triple net lease basis.  One of
the  lease  agreements  was  terminated  on  October  31,  2019  while  the  remaining  two  lease  agreements  have  a  maturity  date  of
May  31,  2021,  and  have  been  accounted  for  as  finance  leases.    Each  of  the  remaining  lease  agreements  have  two  five-year
options  to  extend  the  term  of  the  lease  after  the  expiration  date.    Mr.  Lumpkin  and  his  immediate  family  had  a  beneficial
ownership  interest  of  68.5%  of  LATEL,  directly  or  through  Agracel,  Inc.  (“Agracel”)  as  of  April  4,  2019,  and  December  31,
2018.  Agracel is a real estate investment company of which Mr. Lumpkin, together with his family, had a beneficial interest of
37.0%  at  April  4,  2019  and  December  31,  2018.    Agracel  was  the  sole  managing  member  and  50%  owner  of  LATEL.    In
addition,  Mr.  Lumpkin  was  a  former  director  of  Agracel.    The  three  leases  required  total  rental  payments  to  LATEL  of
approximately  $7.9  million  over  the  initial  terms  of  the  leases.    We  recognized  $0.1  million  through  April  4,  2019  and  $0.3
million  in  2018  in  interest  expense.    We  also  recognized  $0.1  million  through  April  4,  2019  and  $0.4  million  in  2018  in
amortization expense related to the finance leases.

Mr. Lumpkin also had a minority ownership interest in First Mid Bank & Trust (“First Mid”). We provided telecommunications
products and services to First Mid and in return received approximately $0.2 million through April 4, 2019 and $0.9 million in
2018 for these services.

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Regulatory Matters

We receive ongoing ICC Eligible Recovery support for our rate of return ILECs that participate in the NECA pooling process.
 The support for 2020 is approximately $3.2 million and is expected to decline by 5% per year through 2021.  During the years
ended  December  31,  2020,  2019  and  2018,  we  recognized  subsidies  revenue  of  $3.2  million,  $3.4  million  and  $3.6  million,
respectively, related to our ongoing ICC Eligible Recovery support.

Critical Accounting Estimates

Our significant accounting policies and estimates are discussed in the Notes to our consolidated financial statements.  We prepare
our  consolidated  financial  statements  in  accordance  with  generally  accepted  accounting  principles  in  the  United  States.    The
preparation  of  financial  statements  requires  management  to  make  estimates  and  assumptions  that  affect  reported  amounts  of
assets,  liabilities,  revenues  and  expenses.    These  estimates  and  assumptions  are  affected  by  management’s  application  of  our
accounting  policies.    Our  judgments  are  based  on  historical  experience  and  various  other  assumptions  that  are  believed  to  be
reasonable under the circumstances, the results of which form the basis for making estimates about the carrying values of assets
and liabilities that are not readily apparent from other sources.  However, because future events and the related effects cannot be
determined with certainty, actual results may differ from our estimates and assumptions and such differences could be material.
 Management believes that the following accounting estimates are the most critical to understanding and evaluating our reported
financial results.

Indefinite-Lived Intangible Assets

Our indefinite-lived intangible assets are not subject to amortization and are tested for impairment annually or more frequently
when  events  or  changes  in  circumstances  indicate  that  the  asset  might  be  impaired.  We  evaluate  the  carrying  value  of  our
indefinite-lived assets as of November 30 of each year.

Goodwill

As discussed more fully in Note 1 to the consolidated financial statements, goodwill is not amortized but instead evaluated for
impairment annually, or more frequently if an event occurs or circumstances change that would indicate potential impairment.  At
December 31, 2020 and 2019, the carrying value of our goodwill was $1,035.3 million.  The evaluation of goodwill may first
include a qualitative assessment to determine whether it is more likely than not that the fair value of the reporting unit is less than
its  carrying  amount.    Events  and  circumstances  integrated  into  the  qualitative  assessment  process  include  a  combination  of
macroeconomic  conditions  affecting  equity  and  credit  markets,  significant  changes  to  the  cost  structure,  overall  financial
performance and other relevant events affecting the reporting unit.  

Functional  management  within  the  organization  evaluates  the  operations  of  our  single  reporting  unit  on  a  consolidated  basis
rather  than  at  a  geographic  level  or  on  any  other  component  basis.    In  general,  product  managers  and  cost  managers  are
responsible for managing costs and services across territories rather than treating the territories as separate business units.  All of
the properties are managed at a functional level. As a result, we evaluate the operations for all our service territories as a single
reporting unit.

As  a  result  of  industry  conditions  and  a  decrease  in  our  market  capitalization,  we  evaluated  the  fair  value  of  the  goodwill
compared to the carrying value using the quantitative approach for the 2020 assessment.  When we use the quantitative approach
to  assess  the  goodwill  carrying  value  and  the  fair  value  of  our  single  reporting  unit,  the  fair  value  of  our  reporting  unit  is
compared  to  its  carrying  amount,  including  goodwill.    The  estimated  fair  value  of  the  reporting  unit  is  determined  using  a
combination of market-based approaches and a discounted cash flow (“DCF”) model and reconciled to our market capitalization
plus an estimated control premium.  The assumptions used in the estimate of fair value are based upon a combination of historical
results and trends, new industry developments and future cash flow projections, as well as relevant comparable company earnings
multiples  for  the  market-based  approaches.    Such  assumptions  are  subject  to  change  as  a  result  of  changing  economic  and
competitive conditions.  We use a weighting of the results derived from the valuation approaches to estimate the fair value of the
reporting unit.  

Based on our assessment at November 30, 2020, using the quantitative approach, we concluded that the fair value of the reporting
unit exceeded the carrying value at November 30, 2020 by approximately 120% and that there was no impairment of goodwill.  

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Trade Name

As discussed more fully in Note 1 to the consolidated financial statements, trade names are generally not amortized, but instead
evaluated annually, or more frequently if an event occurs or circumstances change that would indicate potential impairment using
a  preliminary  qualitative  assessment  and  a  quantitative  process,  if  deemed  necessary.    The  carrying  value  of  our  trade  name,
excluding any finite lived trade names, was $10.6 million at December 31, 2020 and 2019.  

For the 2020 assessment, we used the quantitative approach to evaluate the fair value compared to the carrying value of the trade
name.    Based  on  our  assessment,  we  concluded  that  the  fair  value  of  the  trade  name  continued  to  exceed  the  carrying  value.
 When we use the quantitative approach to estimate the fair value of our trade name, we use DCFs based on a relief from royalty
method.  If the fair value of our trade name was less than the carrying amount, we would recognize an impairment charge for the
difference between the estimated fair value and the carrying value of the asset.  We perform our impairment testing of our trade
name as a single unit of accounting based on its use in our single reporting unit.

Income Taxes

Our current and deferred income taxes and associated valuation allowances are impacted by events and transactions arising in the
normal course of business as well as in connection with the adoption of new accounting standards, acquisitions of businesses and
non-recurring items.  Assessment of the appropriate amount and classification of income taxes is dependent on several factors,
including estimates of the timing and realization of deferred income tax assets and the timing of income tax payments.  Actual
amounts may materially differ from these estimates as a result of changes in tax laws as well as unanticipated future transactions
impacting related income tax balances.  We account for tax benefits taken or expected to be taken in our tax returns in accordance
with  the  accounting  guidance  applicable  for  uncertainty  in  income  taxes,  which  requires  the  use  of  a  two-step  approach  for
recognizing and measuring tax benefits taken or expected to be taken in a tax return.

Pension and Post-Retirement Benefits

The amounts recognized in our financial statements for pension and post-retirement benefits are determined on an actuarial basis
utilizing  several  critical  assumptions.    We  make  significant  assumptions  in  regards  to  our  pension  and  post-retirement  plans,
including the expected long-term rate of return on plan assets, the discount rate used to value the periodic pension expense and
liabilities,  future  salary  increases  and  actuarial  assumptions  relating  to  mortality  rates  and  healthcare  trend  rates.    Changes  in
these  estimates  and  other  factors  could  significantly  impact  our  benefit  cost  and  obligations  to  maintain  pension  and  post-
retirement plans.

Our pension investment strategy is to maximize long-term returns on invested plan assets while minimizing the risk of volatility.
 Accordingly,  we  target  our  allocation  percentage  at  approximately  70  -  90%  in  return  seeking  assets  consisting  primarily  of
equity and fixed income funds with the remainder in hedge funds.  Our assumed rate considers this investment mix as well as past
trends.  We used a weighted-average expected long-term rate of return of 6.25% and 6.97% in 2020 and 2019, respectively. As of
January 1, 2021, we estimate that the expected long-term rate of return of pension plan assets will be 6.00%.

In determining the appropriate discount rate, we consider the current yields on high-quality corporate fixed-income investments
with  maturities  that  correspond  to  the  expected  duration  of  our  pension  and  post-retirement  benefit  plan  obligations.    For  our
2020 and 2019 projected benefit obligations, we used a weighted-average discount rate of 2.81% and 3.51%, respectively, for our
pension plans and 2.56% and 3.34%, respectively, for our other post-retirement plans.

Our Pension Plans are sensitive to changes in the discount rate and the expected long-term rate of return on plan assets. A one
percentage-point increase or decrease in the discount rate and expected long-term rate of return would have the following effects
on net periodic pension cost of the Pension Plans:

(In thousands)

1-Percentage-
Point Increase

1-Percentage-
Point Decrease

Discount rate
Expected long-term rate of return on plan assets

$
$

 2,081
 (5,527)

$
$

 (463)
 5,527

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Our post-retirement benefit plans are sensitive to the healthcare cost trend rate assumption. For purposes of determining the cost
and obligation for post-retirement  medical  benefits, a 6.50% healthcare  cost trend rate was assumed for 2020, declining to the
ultimate  trend  rate  of  5.00%  in  2027.  A 1.00%  increase  in  the  assumed  healthcare  cost  trend  rate  would  result  in  increases  of
approximately  $4.6  million  and  $0.3  million  in  the  post-retirement  benefit  obligation  and  total  service  and  interest  cost,
respectively. A 1.00% decrease in the assumed healthcare cost trend would result in decreases of approximately $4.8 million and
$0.2 million in the post-retirement benefit obligation and in the total service and interest cost, respectively.

Recent Accounting Pronouncements

For  information  regarding  the  impact  of  certain  recent  accounting  pronouncements,  see  Note  1  “Business  Description  &
Summary of Significant Accounting Policies” to the consolidated financial statements included in this report in Part II -Item 8
“Financial Statements and Supplementary Data”.

Item 7A.  Quantitative and Qualitative Disclosures about Market Risk

Our exposure to market risk is primarily related to the impact of interest rate fluctuations on our debt obligations.  Market risk is
the potential loss arising from adverse changes in market interest rates on our variable rate obligations.  In order to manage the
volatility relating to changes in interest rates, we utilize derivative financial instruments such as interest rate swaps to maintain a
mix  of  fixed  and  variable  rate  debt.    We  do  not  use  derivatives  for  trading  or  speculative  purposes.    Our  interest  rate  swap
agreements effectively convert a portion of our floating-rate debt to a fixed-rate basis, thereby reducing the impact of interest rate
changes  on future  cash  interest  payments.    We  calculate  the  potential  change  in  interest  expense  caused  by changes  in  market
interest rates by determining the effect of the hypothetical rate increase on the portion of our variable rate debt that is not subject
to a variable rate floor or hedged through the interest rate swap agreements.

At December 31, 2020, the majority of our variable rate debt was subject to a 1.00% London Interbank Offered Rate (“LIBOR”)
floor.    Based  on  our  variable  rate  debt  outstanding  as  of  December  31,  2020,  a  1.00%  increase  in  market  interest  rates  would
increase  annual  interest  expense  by  approximately  $0.5  million.  A  1.00%  decrease  in  current  interest  rates  would  not  impact
annual interest expense on our variable rate debt due to the 1.00% LIBOR floor.

As of December 31, 2020, the fair value of our interest rate swap agreements amounted to a liability of $29.3 million.  Pre-tax
deferred losses related to our interest rate swap agreements included in accumulated other comprehensive loss was $25.2 million
at December 31, 2020.  

Item 8.  Financial Statements and Supplementary Data

For information pertaining to our Financial Statements and Supplementary Data, refer to pages F-1 to F-43 of this report, which
are incorporated herein by reference.

Item 9.  Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

Not applicable.

Item 9A.  Controls and Procedures

Evaluation of Disclosure Controls and Procedures

We maintain disclosure controls and procedures as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act
of 1934 (“Exchange Act”) that are designed to ensure that information required to be disclosed by us in reports that we file or
submit  under  the  Exchange  Act  is  (i)  recorded,  processed,  summarized  and  reported  within  the  time  periods  specified  in  SEC
rules and forms; and (ii) accumulated and communicated to our management, including our Chief Executive Officer and Chief
Financial  Officer,  as  appropriate  to  allow  timely  decisions  regarding  required  disclosure.  There  are  inherent  limitations  to  the
effectiveness of any system of disclosure controls and procedures, including the possibility of human error and the circumvention
or  overriding  of  the  controls  and  procedures.  Accordingly,  even  effective  disclosure  controls  and  procedures  can  only  provide
reasonable  assurance  of  achieving  their  control  objectives.  In  connection  with  the  filing  of  this  Form  10-K,  management
evaluated,  under  the  supervision  and  with  the  participation  of  our  Chief  Executive  Officer  and  Chief  Financial  Officer,  the
effectiveness of the design to provide reasonable assurance

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of achieving their objectives and operation of our disclosure controls and procedures as of December 31, 2020.  Based upon that
evaluation and subject to the foregoing, our Chief Executive Officer and Chief Financial Officer concluded that our disclosure
controls and procedures are effective as of December 31, 2020.

Inherent Limitation of the Effectiveness of Internal Control

A  control  system,  no  matter  how  well  conceived  and  operated,  can  only  provide  reasonable,  not  absolute,  assurance  that  the
objectives  of  the  internal  control  system  are  met.    Because  of  the  inherent  limitations  of  any  internal  control  system,  no
evaluation of controls can provide absolute assurance that all control issues, if any, within a company have been detected.

MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

Our management is responsible for establishing and maintaining adequate internal control over financial reporting as such term is
defined in Exchange Act Rule 13a–15(f).  Management, with the participation of our Chief Executive Officer and Chief Financial
Officer,  assessed  the  effectiveness  of  our  internal  control  over  financial  reporting  as  of  December  31,  2020.    In  making  this
assessment,  management  used  the  framework  set  forth  in  Internal  Control-Integrated  Framework (2013)  issued  by  the
Committee of Sponsoring Organizations of the Treadway Commission. Based upon this assessment, our management concluded
that, as of December 31, 2020, our internal control over financial reporting was effective to provide reasonable assurance that the
desired control objectives were achieved.

The effectiveness  of internal  control  over  financial  reporting  has  been audited  by Ernst &  Young LLP, independent  registered
public accounting firm, as stated in their report which is included elsewhere in this Annual Report on Form 10-K.

Changes in Internal Control over Financial Reporting

Based upon the evaluation performed by our management, which was conducted with the participation of our Chief Executive
Officer and Chief Financial Officer, there has been no change in our internal control over financial reporting during the quarter
ended  December  31,  2020  that  has  materially  affected,  or  is  reasonably  likely  to  materially  affect,  our  internal  control  over
financial reporting.  

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REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Shareholders and the Board of Directors of Consolidated Communications Holdings, Inc.

Opinion on Internal Control over Financial Reporting

We have audited  Consolidated Communications  Holdings, Inc. and subsidiaries’  internal  control  over financial  reporting  as of
December  31,  2020,  based  on  criteria  established  in  Internal  Control—Integrated  Framework  issued  by  the  Committee  of
Sponsoring  Organizations  of  the  Treadway  Commission  (2013  framework)  (the  COSO  criteria).  In  our  opinion,  Consolidated
Communications  Holdings,  Inc.  and  subsidiaries  (the  Company)  maintained,  in  all  material  respects,  effective  internal  control
over financial reporting as of December 31, 2020, based on the COSO criteria.

We  also  have  audited,  in  accordance  with  the  standards  of  the  Public  Company  Accounting  Oversight  Board  (United  States)
(PCAOB),  the  consolidated  balance  sheets  of  the  Company  as  of  December  31,  2020  and  2019,  the  related  consolidated
statements  of  operations,  comprehensive  income  (loss),  shareholders’  equity  and  cash  flows  for  each  of  the  three  years  in  the
period ended December 31, 2020, and the related notes and our report dated February 26, 2021 expressed an unqualified opinion
thereon.

Basis for Opinion

The  Company’s  management  is  responsible  for  maintaining  effective  internal  control  over  financial  reporting  and  for  its
assessment of the effectiveness of internal control over financial reporting included in the accompanying Management’s Report
on Internal Control Over Financial Reporting. Our responsibility is to express an opinion on the Company’s internal control over
financial  reporting  based  on  our  audit.  We  are  a  public  accounting  firm  registered  with  the  PCAOB  and  are  required  to  be
independent  with  respect  to  the  Company  in  accordance  with  the  U.S.  federal  securities  laws  and  the  applicable  rules  and
regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the
audit  to  obtain  reasonable  assurance  about  whether  effective  internal  control  over  financial  reporting  was  maintained  in  all
material respects.

Our  audit  included  obtaining  an  understanding  of  internal  control  over  financial  reporting,  assessing  the  risk  that  a  material
weakness exists, testing and evaluating the design and operating effectiveness of internal control based on the assessed risk, and
performing  such  other  procedures  as  we  considered  necessary  in  the  circumstances.  We  believe  that  our  audit  provides  a
reasonable basis for our opinion.  

Definition and Limitations of Internal Control Over Financial Reporting

A  company’s  internal  control  over  financial  reporting  is  a  process  designed  to  provide  reasonable  assurance  regarding  the
reliability  of  financial  reporting  and  the  preparation  of  financial  statements  for  external  purposes  in  accordance  with  generally
accepted accounting principles. A company’s internal control over financial reporting includes those policies and procedures that
(1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions
of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of
financial  statements  in  accordance  with  generally  accepted  accounting  principles,  and  that  receipts  and  expenditures  of  the
company are being made only in accordance with authorizations of management and directors of the company; and (3) provide
reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s
assets that could have a material effect on the financial statements.

Because  of  its  inherent  limitations,  internal  control  over  financial  reporting  may  not  prevent  or  detect  misstatements.  Also,
projections  of  any  evaluation  of  effectiveness  to  future  periods  are  subject  to  the  risk  that  controls  may  become  inadequate
because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

/s/ Ernst & Young LLP

St. Louis, Missouri
February 26, 2021

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Item 9B.  Other Information

None.

Item 10.  Directors, Executive Officers and Corporate Governance

PART III

Our Board of Directors adopted a Code of Business Conduct and Ethics (“the code”) that applies to all of our employees, officers
and directors, including our principal executive officer, principal financial officer and principal accounting officer.  A copy of the
code  is  posted  on  our  investor  relations  website  at  www.consolidated.com.    Information  contained  on  the  website  is  not
incorporated by reference in, or considered to be a part of, this document.

Additional information required by this Item is incorporated herein by reference to our proxy statement for the annual meeting of
our shareholders to be filed pursuant to Regulation 14A within 120 days after our fiscal year-end of December 31, 2020.

Item 11.  Executive Compensation

Incorporated  herein  by  reference  to  our  proxy  statement  for  the  annual  meeting  of  our  shareholders  to  be  filed  pursuant  to
Regulation 14A within 120 days after our fiscal year-end of December 31, 2020.

Item 12.  Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Incorporated  herein  by  reference  to  our  proxy  statement  for  the  annual  meeting  of  our  shareholders  to  be  filed  pursuant  to
Regulation 14A within 120 days after our fiscal year-end of December 31, 2020.

Item 13.  Certain Relationships and Related Transactions, and Director Independence

Incorporated  herein  by  reference  to  our  proxy  statement  for  the  annual  meeting  of  our  shareholders  to  be  filed  pursuant  to
Regulation 14A within 120 days after our fiscal year-end of December 31, 2020.

Item 14.  Principal Accountant Fees and Services

Incorporated  herein  by  reference  to  our  proxy  statement  for  the  annual  meeting  of  our  shareholders  to  be  filed  pursuant  to
Regulation 14A within 120 days after our fiscal year-end of December 31, 2020.

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Item 15. Exhibits and Financial Statement Schedules

PART IV

(1) All Financial Statements

   Location  

The following consolidating financial statements and independent auditors’ reports are filed as part
of this report on Form 10-K in Item 8–“Financial Statements and Supplementary Data”:

Reports of Independent Registered Public Accounting Firm
Consolidated Statements of Operations for each of the three years in the period ended December 31,
2020
Consolidated Statements of Comprehensive Income (Loss) for each of the three years in the period
ended December 31, 2020
Consolidated Balance Sheets as of December 31, 2020 and 2019
Consolidated Statements of Shareholders’ Equity for each of the three years in the period ended
December 31, 2020
Consolidated Statements of Cash Flows for each of the three years in the period ended
December 31, 2020
Notes to Consolidated Financial Statements

(2) Financial Statement Schedules

No financial statement schedules have been included because they are not required, not applicable, or the
information is otherwise included in the notes to the financial statements.

(3) Exhibits

The exhibits listed below on the accompanying Index to Exhibits are filed or furnished as part of
this report.

F-1

F-4

F-5
F-6

F-7

F-8
F-9

Exhibit 
No.

3.1

3.2

3.3

4.1

4.2

4.3

Description

Form  of  Amended  and  Restated  Certificate  of  Incorporation  (incorporated  by  reference  to  Exhibit  3.1  to
Amendment No. 7 to Form S-1 dated July 19, 2005)

Certificate  of  Amendment  of  the  Amended  and  Restated  Certificate  of  Incorporation  of  Consolidated
Communications  Holdings,  Inc.,  as  filed  with  the  Secretary  of  State  of  the  State  of  Delaware  on  May  3,  2011
(incorporated by reference to Exhibit 3.1 to our Current Report on Form 8-K dated May 4, 2011)

Amended and Restated Bylaws of Consolidated Communications Holdings Inc., as amended as of June 29, 2014
(incorporated by reference to Exhibit 3.2 to our Current Report on Form 8-K dated June 29, 2014)

Specimen Common Stock Certificate (incorporated by reference to Exhibit 4.1 to Amendment No. 7 to Form S-1
dated July 19, 2005)

Indenture,  dated  as  of  October  2,  2020,  by  and  among  Consolidated  Communications,  Inc.,  Consolidated
Communications Holdings, Inc., the other Guarantors party thereto and Wells Fargo Bank, National Association,
as Trustee (incorporated by reference to Exhibit 4.1 to our Current Report on Form 8-K dated October 2, 2020)

Form  of  6.500%  Senior  Secured  Note  due  2028  (incorporated  by  reference  to  Exhibit  A  to  Exhibit  4.1  to  our
Current Report on Form 8-K dated October 2, 2020)

52

 
Table of Contents

4.4

4.5*

4.6*

4.7

4.8

10.1*

10.2

10.3*

10.4

10.5*

10.6

10.7**

10.8**

Joinder  Agreement  to  Guaranty  Agreement,  dated  as  of  February  1,  2021,  by  and  among  Consolidated
Communications, Inc., the subsidiaries of Consolidated Communications Holdings, Inc. party thereto and Wells
Fargo  Bank,  National  Association,  as  Administrative  Agent (incorporated  by  reference  to  Exhibit  4.1  to  our
Current Report on Form 8-K dated February 1, 2021)

Supplement No. 1 to Security Agreement, dated as of February 1, 2021, among the subsidiaries of Consolidated
Communications  Holdings,  Inc.  party  thereto  and  Wells  Fargo  Bank,  National  Association,  as  Collateral  Agent
(incorporated by reference to Exhibit 4.2 to our Current Report on Form 8-K dated February 1, 2021)

Supplement  No.  1  to  Pledge  Agreement,  dated  as  of  February  1,  2021,  among  Consolidated  Communications,
Inc.,  the  subsidiaries  of  Consolidated  Communications  Holdings,  Inc.  party  thereto  and  Wells  Fargo  Bank,
National  Association,  as  Collateral  Agent (incorporated  by  reference  to  Exhibit  4.3  to  our  Current  Report  on
Form 8-K dated February 1, 2021)

First  Supplemental  Indenture,  dated  as  of  February  1,  2021,  among  Consolidated  Communications,  Inc.,  the
subsidiaries  of  Consolidated  Communications  Holdings,  Inc.  party  thereto  and  Wells  Fargo  Bank,  National
Association,  as  Trustee  and  Notes  Collateral  Agent (incorporated  by  reference  to  Exhibit  4.4  to  our  Current
Report on Form 8-K dated February 1, 2021)

Description  of  the  Company’s  securities  registered  pursuant  to  Section  12(b)  of  the  Securities  Exchange  Act
Form  of  Employment  Security  Agreement  with  the  Company’s  and  its  subsidiaries  vice  president  and  director
level  employees  (incorporated  by  reference  to  Exhibit  4.14  to  our  Annual  Report  on  Form  10-K  for  the  period
ended December 31, 2019)

Investment Agreement, dated as of September 13, 2020, by and between Consolidated Communications Holdings,
Inc. and Searchlight III CVL, L.P. (incorporated by reference to Exhibit 10.1 to our Current Report on Form 8-K
dated September 13, 2020)

Governance  Agreement,  dated  as  of  September  13,  2020,  by  and  between  Consolidated  Communications
Holdings, Inc. and Searchlight III CVL, L.P. (incorporated by reference to Exhibit 10.2 to our Current Report on
Form 8-K dated September 13, 2020)

Contingent  Payment  Right  Agreement,
 by  and  between  Consolidated
 dated  as  of  October  2,
Communications Holdings, Inc. and Searchlight III CVL, L.P. (incorporated by reference to Exhibit 10.1 to our
Current Report on Form 8-K dated October 2, 2020)

 2020,

Registration  Rights  Agreement,  dated  as  of  October  2,  2020,  by  and  between  Consolidated  Communications
Holdings, Inc. and Searchlight III CVL, L.P. (incorporated by reference to Exhibit 10.2 to our Current Report on
Form 8-K dated October 2, 2020)

Credit  Agreement,  dated  as  of  October  2,  2020,  among  Consolidated  Communications  Holdings,  Inc.,
Consolidated Communications, Inc., the Lenders and other parties referred to therein, Wells Fargo Bank, National
Association,  as  Administrative  Agent,  Issuing  Bank  and  Swingline  Lender  (incorporated  by  reference  to
Exhibit 10.3 to our Current Report on Form 8-K dated October 2, 2020)

Amendment No. 1, dated as of January 15, 2021, to the Credit Agreement among Consolidated Communications
Holdings,  Inc.,  Consolidated  Communications,  Inc.,  JPMorgan  Chase  Bank,  N.A.,  as  incremental  term  loan
lender,  and  Wells  Fargo  Bank,  National  Association,  as  administrative  agent  (incorporated  by  reference  to
Exhibit 10.1 to our Current Report on Form 8-K dated January 15, 2021)

Amended  and  Restated  Consolidated  Communications  Holdings,  Inc.  Restricted  Share  Plan  (incorporated  by
reference to Exhibit 10.11 to Amendment No. 7 to Form S-1 dated July 19, 2005)

Consolidated Communications Holdings, Inc. 2005 Long-Term Incentive Plan (as amended and restated effective
May 5, 2009, as amended by amendments effective as of May 4, 2015 and amendments effective as of April 30,
2018) (incorporated by reference to Exhibit A to our definitive proxy statement on Schedule 14A filed with the
SEC on March 16, 2018)

53

Table of Contents

10.9**

10.10**

10.11*

10.12**

10.13**

10.14**

10.15**

10.16**

10.17**

10.18**

10.19**

10.20**

10.21**

10.22

21

23.1

31.1

31.2

32.1

101

Fifth  Amendment  to  the  Consolidated  Communications  Holdings,  Inc.  2005  Long-Term  Incentive  Plan,  dated
October 29, 2018 (incorporated by reference to Exhibit 10.9 to our Annual Report on Form 10-K for the period
ended December 31, 2018)

Form  of  Employment  Security  Agreement  with  the  CEO  of  the  Company  (incorporated  by  reference  to
Exhibit 10.1 to our Current Report on Form 8-K dated October 25, 2020)

Form  of  Employment  Security  Agreement  with  the  CFO  of  the  Company  (incorporated  by  reference  to
Exhibit 10.2 to our Current Report on Form 8-K dated October 25, 2020)

Form of Employment Security Agreement with certain of the Company’s employees (incorporated by reference to
Exhibit 10.1 to our Quarterly Report on Form 10-Q for the quarter ended September 30, 2012)

Form of Employment Security Agreement with certain of the Company’s other executive officers (incorporated
by reference to Exhibit 10.2 to our Current Report on Form 8-K dated December 4, 2009)

Form  of  Employment  Security  Agreement  with  the  Company’s  and  its  subsidiaries  vice  president  and  director
level employees (incorporated by reference to Exhibit 10.12 to our Annual Report on Form 10-K for the period
ended December 31, 2007)

Executive Long-Term Incentive Program, as revised March 12, 2007 (incorporated by reference to Exhibit 10.1 to
our Current Report on Form 8-K dated March 12, 2007)

Form  of  2005  Long-Term  Incentive  Plan  Performance  Stock  Grant  Certificate  (incorporated  by  reference  to
Exhibit 10.1 to our Quarterly Report on Form 10-Q for the quarter ended March 31, 2017)

Form  of  2005  Long-Term  Incentive  Plan  Restricted  Stock  Grant  Certificate  (incorporated  by  reference  to
Exhibit 10.2 to our Quarterly Report on Form 10-K for the quarter ended March 31, 2017)

Form  of  2005  Long-Term  Incentive  Plan  Restricted  Stock  Grant  Certificate  (Executive)  (incorporated  by
reference to Exhibit 10.1 to our Quarterly Report on Form 10-Q for the quarter ended March 31, 2019)

Form  of  2005  Long-Term  Incentive  Plan  Performance  Stock  Grant  Certificate  (Executive)  (incorporated  by
reference to Exhibit 10.2 to our Quarterly Report on Form 10-Q for the quarter ended March 31, 2019)

Form  of  2005  Long-Term  Incentive  Plan  Restricted  Stock  Grant  Certificate  for  Directors  (incorporated  by
reference to Exhibit 10.4 to our Current Report on Form 8-K dated March 12, 2007)

Description  of  the  Consolidated  Communications  Holdings,  Inc.  Bonus  Plan  (incorporated  by  reference  to
Exhibit 10.5 to our Current Report on Form 8-K dated March 12, 2007)

Form  of  Indemnification  Agreement  with  Directors  and  Executive  Officers  (incorporated  by  reference  to
Exhibit 10.1 to our Current Report on Form 8-K dated May 7, 2013)

List of subsidiaries of the Registrant

Consent of Ernst & Young LLP (St. Louis)

Certificate  of  Chief  Executive  Officer  of  Consolidated  Communications  Holdings,  Inc.  pursuant  to  Rule  13(a)-
14(a) under the Securities Exchange Act of 1934

Certificate  of  Chief  Financial  Officer  of  Consolidated  Communications  Holdings,  Inc.  pursuant  to  Rule  13(a)-
14(a) under the Securities Exchange Act of 1934

Certification of the Chief Executive Officer and Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as
adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

The  following  financial  information  from  Consolidated  Communications  Holdings,  Inc.  Annual  Report  on
Form  10-K  for  the  year  ended  December  31,  2020,  formatted  in  XBRL  (eXtensible  Business  Reporting
Language):  (i)  Consolidated  Statements  of  Operations,  (ii)  Consolidated  Statements  of  Comprehensive  Income,
 (iv)  Consolidated  Statements  of  Changes  in  Shareholders’  Equity,
(iii)  Consolidated  Balance  Sheets,
(v) Consolidated Statements of Cash Flows, and (vi) Notes to Consolidated Financial Statements

104

Cover Page Interactive Data File (embedded within the Inline XBRL document and contained in Exhibit 101)

54

Table of Contents

*Schedules and other attachments are omitted.  The Company agrees to furnish, as a supplement, a copy of any schedule or other
attachment to the Securities and Exchange Commission upon request.

**Compensatory plan or arrangement.

Item 16. Form 10-K Summary

Not Applicable.

55

Table of Contents

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this
report to be signed on its behalf by the undersigned, thereunto duly authorized, in Mattoon, Illinois on February 26, 2021.

SIGNATURES

CONSOLIDATED COMMUNICATIONS HOLDINGS, INC.
By: /s/ C. ROBERT UDELL JR.

C. Robert Udell Jr.
Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons
on behalf of the registrant and in the capacities and on the dates indicated.

Signature

Title

Date

By:

/s/ C. ROBERT UDELL JR.
C. Robert Udell Jr.

President and
Chief Executive Officer, Director
(Principal Executive Officer)

February 26, 2021

By:

By:

By:

By:

By:

By:

By:

By:

/s/ STEVEN L. CHILDERS
Steven L. Childers

Chief Financial Officer (Principal
Financial and Accounting Officer)

February 26, 2021

/s/ ROBERT J. CURREY
Robert J. Currey

/s/ ROGER H. MOORE
Roger H. Moore

/s/ MARIBETH S. RAHE
Maribeth S. Rahe

/s/ TIMOTHY D. TARON
Timothy D. Taron

/s/ THOMAS A. GERKE
Thomas A. Gerke

/s/ DAVID G. FULLER
David G. Fuller

/s/ WAYNE L. WILSON
Wayne L. Wilson

Chairman of the Board

February 26, 2021

Director

Director

Director

Director

Director

Director

56

February 26, 2021

February 26, 2021

February 26, 2021

February 26, 2021

February 26, 2021

February 26, 2021

Table of Contents

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

To the Shareholders and the Board of Directors of Consolidated Communications Holdings, Inc.

Opinion on the Financial Statements

We have audited the accompanying consolidated balance sheets of Consolidated Communications Holdings, Inc. and subsidiaries (the Company) as
of  December  31,  2020  and  2019,  the  related  consolidated  statements  of  operations,  comprehensive  income  (loss),  shareholders’  equity  and  cash
flows for each of the three years in the period ended December 31, 2020 and the related notes (collectively referred to as the “consolidated financial
statements”). In our opinion, the consolidated financial statements present fairly, in all material respects, the financial position of the Company at
December 31, 2020 and 2019, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2020,
in conformity with U.S. generally accepted accounting principles.

We  also  have  audited,  in  accordance  with  the  standards  of  the  Public  Company  Accounting  Oversight  Board  (United  States)  (PCAOB),  the
Company's internal control over financial reporting as of December 31, 2020, based on criteria established in Internal Control-Integrated Framework
issued  by  the  Committee  of  Sponsoring  Organizations  of  the  Treadway  Commission  (2013  framework)  and  our  report  dated  February  26,  2021
expressed an unqualified opinion thereon.

Basis for Opinion

These  financial  statements  are  the  responsibility  of  the  Company's  management.  Our  responsibility  is  to  express  an  opinion  on  the  Company’s
financial  statements  based  on  our  audits.  We  are  a  public  accounting  firm  registered  with  the  PCAOB  and  are  required  to  be  independent  with
respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange
Commission and the PCAOB.

We  conducted  our  audits  in  accordance  with  the  standards  of  the  PCAOB. Those  standards  require  that  we  plan  and  perform  the  audit  to  obtain
reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included
performing  procedures  to  assess  the  risks  of  material  misstatement  of  the  financial  statements,  whether  due  to  error  or  fraud,  and  performing
procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the
financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as
evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

Critical Audit Matters

The critical audit matters communicated below are matters arising from the current period audit of the financial statements that were communicated
or required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the financial statements and
(2) involved our especially challenging, subjective or complex judgments. The communication of critical audit matters does not alter in any way our
opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing
separate opinions on the critical audit matters or on the accounts or disclosures to which they relate.

Goodwill impairment test

Description of the Matter

At December 31, 2020, the Company’s goodwill balance was $1,035 million. As discussed
in Note 1 to the consolidated financial statements, goodwill is tested for impairment at least
annually  at  the  reporting  unit  level.  The  operations  of  the  Company  comprise  a  single
reporting unit.

Auditing management’s annual goodwill impairment test is complex and highly judgmental
due to the significant estimation required in determining the fair value of the Company. In
particular, the fair value estimate was sensitive to significant assumptions, such as changes
in the future cash flow projections, weighted average cost of capital, control premium, and
guideline company revenue and EBITDA

F-1

Table of Contents

multiples, which are affected by expectations about future market and economic conditions.

How  we  addressed  the
Matter in our audit

We obtained an understanding, evaluated the design and tested the operating effectiveness
of  controls  over  the  Company’s  goodwill  impairment  review  process,  including  controls
over management’s review of the significant assumptions described above.

Description of the Matter

To  test  the  estimated  fair  value  of  the  Company,  we  performed  audit  procedures  that
included,  among  others,  assessing  methodologies  and  testing  the  significant  assumptions
discussed above and the underlying data used by the Company in its analysis. We evaluated
the  sensitivity  of  the  estimated  fair  value  to  changes  in  the  significant  assumptions  and
reviewed market data relative to implied control premiums.

To evaluate management’s weighted average cost of capital assumptions, we involved EY
valuation  specialists  to  assess  the  methodology  and  selected  assumptions.  Our  specialists
also  evaluated  the  estimated  fair  value  of  the  Company  using  guideline  company  revenue
and EBITDA multiples. We also tested management’s reconciliation of the fair value of the
Company  to  the  market  capitalization  of  the  Company  and  evaluated  the  implied  control
premium for reasonableness against observable transactions in the industry.

Searchlight Investment

On  September  13,  2020,  the  Company  and  Searchlight  entered  into  an  investment
agreement  (the  “Investment  Agreement”).  As  discussed  in  Note  4  to  the  consolidated
financial  statements  affiliates  of  Searchlight  committed  to  invest  up  to  an  aggregate  of
$425.0 million in the Company in exchange for common stock, contingent payment rights
and the right to an unsecured subordinated note convertible  into shares of a new series of
perpetual  preferred  stock  (the  “Investment  Instruments”).  The  total  proceeds  from  the
Investment  Agreement  were  allocated  among  each  of  the  individual  components  of  the
investment on a fair value basis as of October 2, 2020.

Auditing management’s estimate of the fair values for each of the Investment Instruments is
complex  due  to  the  significance  of  the  transaction  and  the  subjectivity  of  the  fair  value
estimates.      The  fair  values  of  the  Investment  Instruments  were  sensitive  to  changes  in
assumptions, primarily due to the discount for lack of marketability on the common stock
and contingent payment rights.

How  we  addressed  the
Matter in our audit

We obtained an understanding, evaluated the design and tested the operating effectiveness
of  controls  over  the  Company’s  accounting  for  the  Searchlight  Investment,  including
controls over management’s review of the accounting treatment and significant assumptions
used in determining the fair values of the different Investment Instruments described above.

With the assistance of professionals in our firm having expertise in debt and equity issuance
accounting,  we  evaluated  the  Company’s  conclusions  regarding  the  accounting  treatment
applied to the Investment Instruments.  

With  the  support  of  EY  valuation  specialists,  we  evaluated  the  reasonableness  of  the
valuation methodologies and the significant assumptions used by management to determine
the  estimated  fair  values  of  the  Investment  Instruments.  As  part  of  our  procedures  we
involved EY valuation specialists and developed an independent

F-2

Table of Contents

estimate of fair values and compared our estimate to the Company’s estimate. We evaluated
the sensitivity of the fair values to changes in the discount rate for lack of marketability and
tested the data underlying the fair value estimates.

/s/ Ernst & Young LLP

We have served as the Company’s auditor since 2002.
St. Louis, Missouri
February 26, 2021

F-3

Table of Contents

Net revenues

Operating expense:

CONSOLIDATED COMMUNICATIONS HOLDINGS, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS
(amounts in thousands, except per share amounts)

2020
$ 1,304,028

Year Ended December 31,
2019
$ 1,336,542

$

2018

1,399,074

Cost of services and products (exclusive of depreciation and amortization)
Selling, general and administrative expenses
Acquisition and other transaction costs
Depreciation and amortization

Income from operations

Other income (expense):

Interest expense, net of interest income
Gain (loss) on extinguishment of debt
Investment income
Change in fair value of contingent payment rights
Other, net

Income (loss) before income taxes

Income tax expense (benefit)

Net income (loss)
Less: net income attributable to noncontrolling interest
Net income (loss) attributable to common shareholders

Net income (loss) per basic and diluted common shares attributable to common shareholders

Dividends declared per common share

560,644
275,361
7,646
324,864
135,513

(143,591)
(18,264)
41,062
23,802
9,716
48,238

574,936
299,088

—  

381,237
81,281

611,872
333,605
1,960
432,668
18,969

(136,660)
4,510
38,088
—
(10,864)
(23,645)

(134,578)
—
39,596
—
1,315
(74,698)

10,936

(3,714)

(24,127)

37,302
325
36,977

0.47

$

$

(19,931)
452
(20,383) $

(50,571)
263
(50,834)

(0.29) $

(0.73)

— $

0.39

$

1.55

$

$

$

See accompanying notes.

F-4

 
      
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

CONSOLIDATED COMMUNICATIONS HOLDINGS, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
(amounts in thousands)

Net income (loss)

Pension and post-retirement obligations:
Change in net actuarial loss and prior service cost, net of tax of $(9,710), $(5,875) and $(3,941)
Amortization of actuarial losses and prior service cost to earnings, net of tax of $140, $2,842 and
$1,370

Derivative instruments designated as cash flow hedges:
Change in fair value of derivatives, net of tax of $(4,797), $(6,776) and $(244)
Cumulative adjustment upon adoption of ASU 2017-12, net of tax of $(203)
Reclassification of realized loss to earnings, net of tax of $4,061, $149 and $855

Comprehensive income (loss)

Less: comprehensive income attributable to noncontrolling interest
Total comprehensive income (loss) attributable to common shareholders

Year Ended December 31,
2019

2018

2020

$

37,302

$

(19,931)

$ (50,571)

  (27,007)

  (16,738)

  (10,835)

436

7,936

3,785

  (13,601)
—
  11,622
8,752
325
8,427

$

  (19,237)
(576)
959
  (47,587)
452
(48,039)

$

(691)
—
2,612
  (55,700)
263
$ (55,963)

See accompanying notes.

F-5

 
 
 
    
    
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

CONSOLIDATED COMMUNICATIONS HOLDINGS, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(amounts in thousands, except share and per share amounts)

ASSETS
Current assets:

Cash and cash equivalents
Accounts receivable, net of allowance for credit losses
Income tax receivable
Prepaid expenses and other current assets

Total current assets

Property, plant and equipment, net
Investments
Goodwill
Customer relationships, net
Other intangible assets
Other assets
Total assets

LIABILITIES AND SHAREHOLDERS’ EQUITY
Current liabilities:

Accounts payable
Advance billings and customer deposits
Accrued compensation
Accrued interest
Accrued expense
Current portion of long-term debt and finance lease obligations
Total current liabilities

Long-term debt and finance lease obligations
Deferred income taxes
Pension and other post-retirement obligations
Convertible security interest
Contingent payment rights
Other long-term liabilities
Total liabilities

Commitments and contingencies (Note 13)

Shareholders’ equity:
Common stock, par value $0.01 per share; 100,000,000 shares authorized, 79,227,607 and 71,961,045
shares outstanding as of December 31, 2020 and December 31, 2019, respectively
Additional paid-in capital
Accumulated deficit
Accumulated other comprehensive loss, net

Noncontrolling interest
Total shareholders’ equity
Total liabilities and shareholders’ equity

See accompanying notes.

F-6

December 31,

2020

2019

$

$

$

155,561
137,646
1,072
46,382
340,661

  1,760,152
111,665
  1,035,274
113,418
10,557
135,573
3,507,300

25,283
49,544
74,957
21,194
81,931
17,561
270,470

  1,932,666
171,021
300,373
238,701
123,241
81,600
  3,118,072

$

$

$

12,395
120,016
2,669
41,787
176,867

  1,835,878
112,717
  1,035,274
164,069
10,557
54,915
3,390,277

30,936
45,710
57,069
7,874
75,406
27,301
244,296

  2,250,677
173,027
302,296
—
—
72,730
  3,043,026

792
525,673
(34,514)
(109,418)
6,695
389,228

$

3,507,300      $

720
492,246
(71,217)
(80,868)
6,370
347,251
3,390,277

 
 
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

CONSOLIDATED COMMUNICATIONS HOLDINGS, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY
(amounts in thousands)

Balance at December 31, 2017

Cash dividends on common stock
Shares issued under employee plan, net of
forfeitures
Non-cash, share-based compensation
Purchase and retirement of common stock
Other comprehensive income (loss)
Cumulative adjustment: adoption of ASC 606
Net income

Balance at December 31, 2018

Cash dividends on common stock
Shares issued under employee plan, net of
forfeitures
Non-cash, share-based compensation
Purchase and retirement of common stock
Other comprehensive income (loss)
Cumulative adjustment upon adoption of ASU
2017-12
Net income (loss)

Balance at December 31, 2019

Shares issued under employee plan, net of
forfeitures
Shares issued to Searchlight
Non-cash, share-based compensation
Purchase and retirement of common stock
Other comprehensive income (loss)
Cumulative adjustment: adoption of ASU 2016-13
Net income (loss)

Balance at December 31, 2020

     Additional 

Common Stock

Shares

Amount

Paid-in 
Capital

Retained 
Earnings
(Deficit)

Accumulated
Other 
Comprehensive
Loss, net

Non-
controlling 
Interest

Total

70,777

$
—  

$
708
—  

615,662
(107,112)

$

— $

(3,271)

(48,083) $
—

5,655

$
—  

573,942
(110,383)

460
—  
(50)
—  
—  
—  
$
—  

71,187

870
—  
(96)
—  

—
—  
$

71,961

1,061
6,353

—  

(147)

—  
—
—  
$

79,228

5
—  
(1)
—  
—  
—  
712
$
—  

9
—  
(1)
—  

—
—  
$

720

11
63
—  
(2)
—  
—
—  
$

792

(7)
5,119
(592)

—  
—  
—  
$

513,070
(27,289)

(9)
6,836
(362)

—  

—  
—  
—  
—  

3,271
(50,834)
(50,834) $
(576)

—  
—  
—  
—  

—
—
—
(5,129)
—
—
(53,212) $
—

—
—
—
(27,656)

—  
—  
—  
—  
—  
263
5,918

$
—  

—  
—  
—  
—  

(2)
5,119
(593)
(5,129)
3,271
(50,571)
415,654
(27,865)

—
6,836
(363)
(27,656)

—
—  
$

492,246

576
(20,383)
(71,217) $

—
—
(80,868) $

—  

452
6,370

$

576
(19,931)
347,251

(11)
26,716
7,533
(811)

—  
—  
—  
—  
—  

—
—  
$

525,673

(274)
36,977
(34,514) $

—
—
—
—
(28,550)
—
—
(109,418) $

—  
—  
—  
—  
—  
—
325
6,695

$

—
26,779
7,533
(813)
(28,550)
(274)
37,302
389,228

See accompanying notes.

F-7

 
    
    
    
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

CONSOLIDATED COMMUNICATIONS HOLDINGS, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS
(amounts in thousands)

Cash flows from operating activities:

Net income (loss)

Adjustments to reconcile net income (loss) to net cash provided by operating
activities:

Depreciation and amortization
Deferred income taxes
Cash distributions from wireless partnerships in excess of (less than) current
earnings
Pension and post-retirement contributions in excess of expense
Stock-based compensation expense
Amortization of deferred financing costs and discounts
Loss (gain) on extinguishment of debt
Gain on change in fair value of contingent payment rights
Other, net

Changes in operating assets and liabilities:
Accounts receivable, net
Income tax receivable
Prepaid expenses and other assets
Accounts payable

Accrued expenses and other liabilities
Net cash provided by operating activities

Cash flows from investing activities:
Purchases of property, plant and equipment, net
Proceeds from sale of assets
Proceeds from business dispositions
Proceeds from sale of investments
Other

Net cash used in investing activities

Cash flows from financing activities:

Proceeds from bond offering
Proceeds from issuance of long-term debt
Proceeds from issuance of common stock
Payment of finance lease obligations
Payment on long-term debt
Retirement of senior notes
Payment of financing costs
Share repurchases for minimum tax withholding
Dividends on common stock
Other

Net cash used in financing activities
Change in cash and cash equivalents
Cash and cash equivalents at beginning of period

Cash and cash equivalents at end of period

2020

Year Ended December 31,
2019

2018

$

37,302

$

(19,931)

$

(50,571)

324,864
8,386

844
(37,301)
7,533
7,871
10,629
(23,802)
5,374

(4,993)
3,103
(7,457)
(5,653)
38,280
364,980

(217,563)
7,071
—
426
—
(210,066)

750,000
1,271,250
350,000
(9,020)
(1,867,838)
(444,717)
(59,139)
(812)
—
(1,472)
(11,748)
143,166
12,395
155,561

$

$

381,237
(5,249)

(1,901)
(24,507)
6,836
4,932
(4,510)
—
1,487

13,120
9,908
(1,546)
(1,566)
(19,214)
339,096

(232,203)
14,718
—
329
(663)
(217,819)

—
195,000
—
(12,519)
(195,350)
(49,804)
—
(363)
(55,445)
—
(118,481)
2,796
9,599
12,395

$

432,668
(26,008)

(194)
(30,361)
5,119
4,721
—
—
6,066

(2,044)
10,754
(12,785)
8,359
11,597
357,321

(244,816)
2,125
20,999
233
—
(221,459)

—
189,588
—
(12,755)
(207,938)
—
—
(593)
(110,222)
—
(141,920)
(6,058)
15,657
9,599

See accompanying notes.

F-8

 
 
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

CONSOLIDATED COMMUNICATIONS HOLDINGS, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
YEARS ENDED DECEMBER 31, 2020, 2019 AND 2018

1. BUSINESS DESCRIPTION & SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Business and Basis of Accounting

Consolidated  Communications  Holdings,  Inc.  (the  “Company,”  “we,”  “our”  or  “us”)  is  a  holding  company  with  operating
subsidiaries (collectively “Consolidated”) that provide communication solutions to consumer, commercial and carrier customers
across a 23-state service area.

Leveraging  our  advanced  fiber  network  spanning  more  than  46,600  fiber  route  miles,  we  offer  residential  high-speed  Internet,
video, phone and home security services as well as multi-service residential and small business bundles.  Our business product
suite  includes  data  and  Internet  solutions,  voice,  data  center  services,  security  services,  managed  and  IT  services,  and  an
expanded  suite  of  cloud  services.    As  of  December  31,  2020,  we  had  approximately  780,000  voice  connections,  792,000  data
connections and 76,000 video connections.

Use of Estimates

Preparation  of  the  financial  statements  in  conformity  with  accounting  principles  generally  accepted  in  the  United  States  and
pursuant  to  the  rules  and  regulations  of  the  Securities  and  Exchange  Commission  (the  “SEC”)  requires  management  to  make
estimates and assumptions that effect the reported amounts of assets and liabilities as of the date of the financial statements and
the  reported  amounts  of  revenues  and  expenses  during  the  reporting  period.    Actual  results  may  differ  materially  from  those
estimates.  Our critical accounting estimates include (i) impairment evaluations associated with indefinite-lived intangible assets
(Note 1), (ii) the determination of deferred tax asset and liability balances (Notes 1 and 12) and (iii) pension plan and other post-
retirement costs and obligations (Notes 1 and 11).

Principles of Consolidation

Our consolidated financial statements include the accounts of the Company and our wholly-owned subsidiaries and subsidiaries
in which we have a controlling financial interest. All significant intercompany transactions have been eliminated.

Recent Business Developments

Searchlight Investment

On September 13, 2020, we entered into an investment agreement (the “Investment Agreement”) with an affiliate of Searchlight
Capital Partners, L.P. (“Searchlight”).  In connection with the Investment Agreement, affiliates of Searchlight have committed to
invest  up  to  an  aggregate  of  $425.0  million  in  the  Company  and,  assuming  satisfaction  of  certain  conditions  set  forth  in  the
Investment  Agreement  will  hold  a  combination  of  perpetual  Series  A  preferred  stock  and  up  to  35%  of  the  Company’s
outstanding common stock. For a more complete discussion of the transaction, refer to Note 4.

Refinancing of Long-term Debt

On October 2, 2020, the Company and certain of its wholly-owned subsidiaries completed a refinancing of our long-term debt
through the issuance of $2,250.0 million in new secured debt and retired all of our existing then outstanding debt obligations. As
described in Note 7, we entered into a new credit agreement which consists of term loans in the aggregate amount of $1,250.0
million  and  a  $250.0  million  revolving  credit  facility.  On  October  2,  2020,  we  also  issued  $750.0  million  aggregate  principal
amount  of  6.50%  senior  secured  notes  due  2028.  On  January  15,  2021,  the  Company  issued  an  additional  $150.0  million
aggregate  principal  amount  of  incremental  term  loans  under  the  credit  agreement.  For  a  more  complete  discussion  of  the
refinancing, refer to Note 7.

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Table of Contents

COVID-19

We are closely monitoring the impact on our business of the outbreak of coronavirus (“COVID-19”) and its variants.  We are
taking precautions to ensure the safety of our employees, customers and business partners, while assuring business continuity and
reliable service and support to our customers.  While we have not seen a significant adverse impact to our financial results from
COVID-19  to  date,  if  the  pandemic  continues  to  cause  significant  negative  impacts  to  economic  conditions,  our  results  of
operations, financial condition and liquidity could be materially and adversely impacted.

On  March  27,  2020,  the  Coronavirus  Aid,  Relief,  and  Economic  Security  Act  (“CARES  Act”)  was  enacted  by  the  U.S.
government as an emergency economic stimulus package that includes spending and tax breaks to strengthen the US economy
and  fund  a  nationwide  effort  to  curtail  the  economic  effects  of  COVID-19.    The  CARES  Act  includes,  among  other  things,
deferral of certain employer payroll tax payments, the delay in payment of minimum required pension contributions due in 2020
until January 1, 2021 and certain income tax law changes including modifications  to the net interest deduction limitations.  In
2020, we deferred the payment of approximately $12.0 million for the employer portion of Social Security taxes otherwise due in
2020 of which 50% will be due by December 31, 2021 and the remaining 50% by December 31, 2022.  We elected not to delay
the  payment  of  our  minimum  required  pension  contributions  due  in  2020  and  have  made  all  scheduled  quarterly  pension
contributions during 2020. The CARES Act is not expected to have a material impact on our consolidated financial statements.

Cash and Cash Equivalents

We  consider  all  highly  liquid  investments  with  an  original  maturity  of  three  months  or  less  to  be  cash  equivalents.    Our  cash
equivalents  consist  primarily  of  money  market  funds.    The  carrying  amounts  of  our  cash  equivalents  approximate  their  fair
values.

Accounts Receivable and Allowance for Credit Losses

Effective January 1, 2020, we adopted Accounting Standards Update (“ASU”) No. 2016-13 (“ASU 2016-13”), Measurement of
Credit Losses on Financial Instruments, using the modified retrospective method. The adoption of the new standard did not result
in a material impact to the Company. As part of the adoption, we recorded a cumulative effect adjustment of $0.3 million, net of
tax, which decreased retained earnings during the year ended December 31, 2020. Of this amount, $0.2 million was related to the
decrease in the value of our partnership interests as a result of the adoption of ASU 2016-13 by our equity method partnerships.
The following disclosures have been made in accordance with ASU 2016-13.

Accounts receivable (“AR”) consists primarily of amounts due to the Company from normal business activities. We maintain an
allowance for credit losses (“ACL”) based on our historical loss experience, current conditions and forecasted changes including
but  not  limited  to  changes  related  to  the  economy,  our  industry  and  business.  Uncollectible  accounts  are  written-off  (removed
from  AR  and  charged  against  the  ACL)  when  internal  collection  efforts  have  been  unsuccessful.  Subsequently,  if  payment  is
received from the customer, the recovery is credited to the ACL.

The following table summarizes the activity in the ACL for the years ended December 31, 2020, 2019 and 2018:

(In thousands)
Balance at beginning of year
Cumulative adjustment upon adoption of ASU 2016-13
Provision charged to expense
Write-offs, less recoveries
Balance at end of year

2020
$ 4,549
144
  11,573
  (7,130)
$ 9,136

2019
$ 4,421
—
9,347
(9,219)
$ 4,549

2018
6,667
—
8,793
(11,039)
4,421

$

$

Investments

Our  investments  are  primarily  accounted  for  under  either  the  equity  method  or  at  cost.    If  we  have  the  ability  to  exercise
significant influence over the operations and financial policies of an affiliated company, the investment in the affiliated company
is accounted for using the equity method.  If we do not have control and also cannot exercise significant influence, we account for
these investments at our initial cost less impairment because fair value is not readily available for these investments.

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Table of Contents

We  review  our  investment  portfolio  periodically  to  determine  whether  there  are  identified  events  or  circumstances  that  would
indicate there is a decline in the fair value that is considered to be other than temporary.  If we believe the decline is other than
temporary,  we evaluate  the  financial  performance  of  the  business  and  compare  the  carrying  value  of  the  investment  to  quoted
market  prices  (if  available)  or  the  fair  value  of  similar  investments.    If  an  investment  is  deemed  to  have  experienced  an
impairment that is considered other-than temporary, the carrying amount of the investment is reduced to its quoted or estimated
fair value, as applicable, and an impairment loss is recognized in other income (expense).

Fair Value of Financial Instruments

We  account  for  certain  assets  and  liabilities  at  fair  value.    Fair  value  is  an  exit  price,  representing  the  amount  that  would  be
received to sell an asset or paid to transfer a liability in an orderly transaction between market participants.  As such, fair value is
a market-based measurement that should be determined based on assumptions that market participants would use in pricing an
asset or a liability.  A financial asset or liability’s classification within a three-tiered value hierarchy is determined based on the
lowest level input that is significant to the fair value measurement. The hierarchy prioritizes the inputs to valuation techniques
into three broad levels in order to maximize the use of observable inputs and minimize the use of unobservable inputs.  The levels
of the fair value hierarchy are as follows:

Level 1 – Observable inputs that reflect quoted prices (unadjusted) for identical assets or liabilities in active markets.

Level 2 – Inputs that reflect quoted prices in active markets for similar assets or liabilities, quoted prices for identical or
similar assets or liabilities in inactive markets and inputs other than quoted prices that are directly or indirectly
observable in the marketplace.

Level 3 – Unobservable inputs which are supported by little or no market activity.

Property, Plant and Equipment

Property, plant and equipment are recorded at cost.  We capitalize additions and substantial improvements and expense repairs
and maintenance costs as incurred.

We  capitalize  the  cost  of  internal-use  network  and  non-network  software  which  has  a  useful  life  in  excess  of  one  year.
Subsequent  additions,  modifications  or  upgrades  to  internal-use  network  and  non-network  software  are  capitalized  only  to  the
extent that they allow the software to perform a task it previously did not perform. Software maintenance and training costs are
expensed in the period in which they are incurred. Also, we capitalize interest associated with the development of internal-use
network and non-network software.

Property, plant and equipment consisted of the following as of December 31, 2020 and 2019:

(In thousands)
Land and buildings
Central office switching and transmission
Outside plant cable, wire and fiber facilities
Furniture, fixtures and equipment
Assets under finance leases
Total plant in service
Less: accumulated depreciation and amortization
Plant in service
Construction in progress
Construction inventory
Totals

     December 31,      December 31,      Estimated 

2020
$
274,535
  1,475,590
  2,036,312
303,680
40,407
  4,130,524
  (2,466,407)
  1,664,117
64,056
31,979
$ 1,760,152

2019
Useful Lives  
270,443   18 - 40 years
3 - 25 years
3 - 50 years
3 - 15 years
1 - 20 years

$
  1,363,533  
  2,002,264  
287,711  
51,324  

  3,975,275
  (2,228,481)
  1,746,794
59,624
29,460
$ 1,835,878

Construction  inventory,  which  is  stated  at  weighted  average  cost,  consists  primarily  of  network  construction  materials  and
supplies that when issued are predominately capitalized as part of new customer installations and the construction of the network.

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Table of Contents

We  record  depreciation  using  the  straight-line  method  over  estimated  useful  lives  using  either  the  group  or  unit  method.    The
useful lives are estimated at the time the assets are acquired and are based on historical experience with similar assets, anticipated
technological  changes  and  the  expected  impact  of  our  strategic  operating  plan  on  our  network  infrastructure.    In  addition,  the
ranges of estimated useful lives presented above are impacted by the accounting for business combinations as the lives assigned
to these acquired assets are generally much shorter than that of a newly acquired asset.  The group method is used for depreciable
assets dedicated to providing regulated telecommunication services, including the majority of the network, outside plant facilities
and certain support assets.  A depreciation rate for each asset group is developed based on the average useful life of the group.
 The group method requires periodic revision of depreciation  rates.  When an individual asset is sold or retired, the difference
between the proceeds, if any, and the cost of the asset is charged or credited to accumulated depreciation, without recognition of a
gain or loss.

The  unit  method  is  primarily  used  for  buildings,  furniture,  fixtures  and  other  support  assets.  Each  asset  is  depreciated  on  the
straight-line basis over its estimated useful life.  When an individual asset is sold or retired, the cost basis of the asset and related
accumulated depreciation are removed from the accounts and any associated gain or loss is recognized.

Depreciation and amortization expense related to property, plant and equipment was $274.2 million, $315.0 million and $366.3
million  in  2020,  2019  and  2018,  respectively.    Amortization  of  assets  under  capital  leases  is  included  in  the  depreciation  and
amortization expense in the consolidated statements of operations.

We  evaluate  the  recoverability  of  our  property,  plant  and  equipment  whenever  events  or  substantive  changes  in  circumstances
indicate that the carrying amount of an asset group may not be recoverable.  Recoverability is measured by a comparison of the
carrying amount of an asset group to estimated undiscounted future cash flows expected to be generated by the asset group.  If the
total of the expected future undiscounted cash flows were less than the carrying amount of the asset group, we would recognize
an impairment charge for the difference between the estimated fair value and the carrying value of the asset group.

Intangible Assets

Indefinite-Lived Intangibles

Goodwill  and  tradenames  are  evaluated  for  impairment  annually  or  more  frequently  when  events  or  changes  in  circumstances
indicate that the asset might be impaired.  We evaluate the carrying value of goodwill and tradenames as of November 30 of each
year.

Goodwill

Goodwill is the excess of the acquisition cost of a business over the fair value of the identifiable net assets acquired.  Goodwill is
not  amortized  but  instead  evaluated  annually  for  impairment.    The  evaluation  of  goodwill  may  first  include  a  qualitative
assessment to determine whether it is more likely than not that the fair value of the reporting unit is less than its carrying amount.
 Events and circumstances integrated into the qualitative assessment process include a combination of macroeconomic conditions
affecting  equity  and  credit  markets,  significant  changes  to  the  cost  structure,  overall  financial  performance  and  other  relevant
events affecting the reporting unit.

For the 2020 assessment, we evaluated the fair value of goodwill compared to the carrying value using the quantitative approach.
 When we use the quantitative approach to assess the goodwill carrying value and the fair value of our single reporting unit, the
fair value of our reporting unit is compared to its carrying amount, including goodwill. The estimated fair value of the reporting
unit is determined using a combination of market-based approaches and a discounted cash flow (“DCF”) model and reconciled to
our market capitalization plus an estimated control premium. The assumptions used in the estimate of fair value are based upon a
combination  of  historical  results  and  trends,  new  industry  developments  and  future  cash  flow  projections,  as  well  as  relevant
comparable company earnings multiples for the market-based approaches.  Such assumptions are subject to change as a result of
changing  economic  and  competitive  conditions.    We  use  a  weighting  of  the  results  derived  from  the  valuation  approaches  to
estimate the fair value of the reporting unit.  For the 2020 assessment, using the quantitative approach, we concluded that the fair
value of the reporting unit exceeded the carrying value at November 30, 2020 and that there was no impairment of goodwill.

In measuring the fair value of our single reporting unit as described, we consider the fair value of our reporting unit in relation to
our overall enterprise value, measured as the publicly traded stock price multiplied by the fully diluted shares

F-12

Table of Contents

outstanding  plus  the  fair  value  of  outstanding  debt.    Our  reporting  unit  fair  value  models  are  consistent  with  a  range  in  value
indicated  by  both  the  preceding  three-month  average  stock  price  and  the  stock  price  on  the  valuation  date,  plus  an  estimated
acquisition premium which is based on observable transactions of comparable companies, if applicable.

If  the  carrying  value  of  the  reporting  unit  exceeds  its  fair  value,  a  goodwill  impairment  is  recorded  for  the  difference  in  the
carrying value and fair value.  We did not recognize any goodwill impairment in 2020, 2019 or 2018 as a result of the impairment
tests.

At December 31, 2020 and 2019, the carrying value of goodwill was $1,035.3 million.

Trade Name

Our trade name is the federally registered mark CONSOLIDATED, a design of interlocking circles, which is used in association
with our communication services.  The Company’s corporate branding strategy leverages the CONSOLIDATED name and brand
identity.  All of the Company’s business units and several of our products and services incorporate the CONSOLIDATED name.
 Trade  names  with  indefinite  useful  lives  are  not  amortized  but  are  tested  for  impairment  at  least  annually.    If  facts  and
circumstances change relating to a trade name’s continued use in the branding of our products and services, it may be treated as a
finite-lived asset and begin to be amortized over its estimated remaining life.  The carrying value of our trade names, excluding
any finite lived trade names, was $10.6 million at December 31, 2020 and 2019.

For the 2020 assessment, we used the quantitative approach to evaluate the fair value compared to the carrying value of the trade
name.    Based  on  our  assessment,  we  concluded  that  the  fair  value  of  the  trade  names  continued  to  exceed  the  carrying  value.
 When we use the quantitative approach to estimate the fair value of our trade names, we use DCFs based on a relief from royalty
method.  If the fair value of our trade names was less than the carrying amount, we would recognize an impairment charge for the
difference between the estimated fair value and the carrying value of the assets.  We perform our impairment testing of our trade
names as single units of accounting based on their use in our single reporting unit.

Finite-Lived Intangible Assets

Finite-lived intangible assets subject to amortization consist primarily of our customer lists of an established base of customers
that subscribe to our services, trade names of acquired companies and other intangible assets.  Finite-lived intangible assets are
amortized using an accelerated amortization method or on a straight-line basis over their estimated useful lives.  We evaluate the
potential  impairment  of  finite-lived  intangible  assets  when  impairment  indicators  exist.    If  the  carrying  value  is  no  longer
recoverable  based  upon  the  undiscounted  future  cash  flows  of  the  asset,  an  impairment  equal  to  the  difference  between  the
carrying amount and the fair value of the asset is recognized.  We did not recognize any intangible impairment charges in the
years ended December 31, 2020, 2019 or 2018.

The components of finite-lived intangible assets are as follows:

December 31, 2020

December 31, 2019

(In thousands)

Useful Lives

     Gross Carrying       Accumulated      Gross Carrying       Accumulated  
     Amortization  

     Amortization     

Amount

Amount

Customer relationships

5  -  11 years

$

318,921

$

(205,503)

$

321,333

$

(157,264)

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Table of Contents

Amortization  expense  related  to  the  finite-lived  intangible  assets  for  the  years  ended  December  31,  2020,  2019  and  2018  was
$50.7  million,  $66.2  million  and  $66.3  million,  respectively.    Expected  future  amortization  expense  of  finite-lived  intangible
assets is as follows:

(In thousands)
2021
2022
2023
2024
2025
Thereafter

Total

$ 39,479
30,850
23,963
10,617
3,180
5,329
$ 113,418

Derivative Financial Instruments

We  use  derivative  financial  instruments  to  manage  our  exposure  to  the  risks  associated  with  fluctuations  in  interest  rates.  Our
interest  rate  swap  agreements  effectively  convert  a  portion  of  our  floating-rate  debt  to  a  fixed-rate  basis,  thereby  reducing  the
impact of interest rate changes on future cash interest payments.  At the inception of a hedge transaction, we formally document
the relationship between the hedging instruments including our objective and strategy for establishing the hedge.  In addition, the
effectiveness  of  the  derivative  instrument  is  assessed  at  inception  and  on  an  ongoing  basis  throughout  the  hedging  period.
 Counterparties  to  derivative  instruments  expose  us  to  credit-related  losses  in  the  event  of  nonperformance.    We  execute
agreements only with financial institutions we believe to be creditworthy and regularly assess the credit worthiness of each of the
counterparties.  We do not use derivative instruments for trading or speculative purposes.

Derivative financial instruments are recorded at fair value in our consolidated balance sheets.  Fair value is determined based on
projected interest rate yield curves and an estimate of our nonperformance risk or our counterparty’s nonperformance credit risk,
as applicable.  We do not anticipate any nonperformance by any counterparty.

For  derivative  instruments  designated  as  a  cash  flow  hedge,  the  change  in  the  fair  value  is  recognized  as  a  component  of
accumulated  other  comprehensive  income  (loss)  (“AOCI”)  and  is  recognized  as  an  adjustment  to  earnings  over  the  period  in
which  the  hedged  item  impacts  earnings.    When  an  interest  rate  swap  agreement  terminates,  any  resulting  gain  or  loss  is
recognized over the shorter of the remaining original term of the hedging instrument or the remaining life of the underlying debt
obligation.    If  a  derivative  instrument  is  de-designated,  the  remaining  gain  or  loss  in  AOCI  on  the  date  of  de-designation  is
amortized  to  earnings  over  the  remaining  term  of  the  hedging  instrument.  For  derivative  financial  instruments  that  are  not
designated as a hedge, including those that have been de-designated, changes in fair value are recognized on a current basis in
earnings.  Cash flows from hedging activities are classified under the same category as the cash flows from the hedged items in
our consolidated statement of cash flows.  See Note 8 for further discussion of our derivative financial instruments.

Share-based Compensation

We  recognize  share-based  compensation  expense  for  all  restricted  stock  awards  (“RSAs”)  and  performance  share  awards
(“PSAs”) (collectively, “stock awards”) based on the estimated fair value of the stock awards on the date of grant.  We recognize
the  expense  associated  with  RSAs  and  PSAs  on  a  straight-line  basis  over  the  requisite  service  period,  which  generally  ranges
from  immediate  vesting  to  a  four-year  vesting  period,  and  account  for  forfeitures  as  they  occur.    See  Note  10  for  additional
information regarding share-based compensation.

Pension Plan and Other Post-Retirement Benefits

We  maintain  noncontributory  defined  benefit  pension  plans  and  provide  certain  post-retirement  health  care  and  life  insurance
benefits  to  certain  eligible  employees.    We  also  maintain  two  unfunded  supplemental  retirement  plans  to  provide  incremental
pension payments to certain former employees. See Note 11 for a more detailed discussion regarding our pension and other post-
retirement benefits.

We recognize pension and post-retirement benefits expense during the current period in the consolidated statement of operations
using certain assumptions, including the expected long-term rate of return on plan assets, interest  cost implied by the discount
rate, expected health care cost trend rate and the amortization of unrecognized gains and losses.  We

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determine expected long-term rate of return on plan assets by considering historical investment performance, plan asset allocation
strategies and return forecasts for each asset class and input from its advisors. Projected returns by such advisors were based on
broad equity and fixed income indices. The expected long-term rate of return is reviewed annually in conjunction with other plan
assumptions and revised, if considered necessary, to reflect changes in the financial markets and the investment strategy.  Our
plan assets are valued at fair value as of the measurement date.

Our  discount  rate  assumption  is  determined  annually  to  reflect  the  rate  at  which  the  benefits  could  be  effectively  settled  and
approximate the timing of expected future payments based on current market determined interest rates for similar obligations. We
use bond matching model BOND:Link comprising of high quality corporate bonds to match cash flows to the expected benefit
payments.

We recognize the overfunded or underfunded status of our defined benefit pension and post-retirement plans as either an asset or
liability in the consolidated balance sheet.  Actuarial gains and losses that arise during the year are recognized as a component of
comprehensive income (loss), net of applicable income taxes, and included in accumulated other comprehensive income (loss).
These gains and losses are amortized over future years as a component of the net periodic benefit cost when the net gains and
losses exceed 10% of the greater of the market-related value of the plan assets or the projected benefit obligation at the beginning
of  the  year.    The  amount  in  excess  of  the  corridor  is  amortized  over  the  average  remaining  service  period  of  participating
employees expected to receive benefits under the plans.

Income Taxes

Our  estimates  of  income  taxes  and  the  significant  items  resulting  in  the  recognition  of  deferred  tax  assets  and  liabilities  are
disclosed  in  Note  12  and  reflect  our  assessment  of  future  tax  consequences  of  transactions  that  have  been  reflected  in  our
financial statements or tax returns for each taxing jurisdiction in which we operate.  We base our provision for income taxes on
our current period income, changes in our deferred income tax assets and liabilities, income tax rates, changes in estimates of our
uncertain tax positions and tax planning opportunities available in the jurisdictions in which we operate.  We recognize deferred
tax assets and liabilities when there are temporary differences between the financial reporting basis and tax basis of our assets and
liabilities  and  for  the  expected  benefits  of  using  net  operating  loss  and  tax  credit  loss  carryforwards.    We  establish  valuation
allowances when necessary to reduce the carrying amount of deferred income tax assets to the amounts that we believe are more
likely than not to be realized.  We evaluate the need to retain all or a portion of the valuation allowance on our deferred tax assets.
 When  a  change  in  the  tax  rate  or  tax  law  has  an  impact  on  deferred  taxes,  we  apply  the  change  when  the  tax  law  change  is
enacted, based on the years in which the temporary differences are expected to reverse.  As we operate in more than one state,
changes in our state apportionment factors, based on operating results, may affect our future effective tax rates and the value of
our deferred tax assets and liabilities. We record a change in tax rates in our consolidated financial statements in the period of
enactment.

Income  tax  consequences  that  arise  in  connection  with  a  business  combination  include  identifying  the  tax  basis  of  assets  and
liabilities  acquired  and  any  contingencies  associated  with  uncertain  tax  positions  assumed  or  resulting  from  the  business
combination.  Deferred tax assets and liabilities related to temporary differences of an acquired entity are recorded as of the date
of the business combination and are based on our estimate of the appropriate tax basis that will be accepted by the various taxing
authorities.

We  record  unrecognized  tax  benefits  as  liabilities  in  accordance  with  Accounting  Standard  Codification  (“ASC”)  740,  Income
Taxes, and  adjust  these  liabilities  in  the  appropriate  period  when  our  judgment  changes  as  a  result  of  the  evaluation  of  new
information.  In  certain  instances,  the  ultimate  resolution  may  result  in  a  payment  that  is  materially  different  from  our  current
estimate  of the unrecognized  tax benefit  liabilities.  These differences  will be reflected  as increases  or decreases  to income  tax
expense  in  the  period  in  which  new  information  is  available.  We  classify  interest  and  penalties,  if  any,  associated  with  our
uncertain tax positions as a component of interest expense and general and administrative expense, respectively.  See Note 12 for
further discussion on income taxes.

Revenue Recognition

Revenue  is  recognized  when  or  as  performance  obligations  are  satisfied  by  transferring  control  of  the  good  or  service  to  the
customer.

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Services

Services  revenues,  with  the  exception  of  usage-based  revenues,  are  generally  billed  in  advance  and  recognized  in  subsequent
periods when or as services are transferred to the customer.

We  offer  bundled  service  packages  that  consists  of  high-speed  Internet,  video  and  voice  services  including  local  and  long
distance  calling,  voicemail  and  calling  features.    Each  service  is  considered  distinct  and  therefore  accounted  for  as  a  separate
performance  obligation.    Service  revenue  is  recognized  over  time,  consistent  with  the  transfer  of  service,  as  the  customer
simultaneously receives and consumes the benefits provided by the Company’s performance as the Company performs.

Usage-based  services,  such  as  per-minute  long-distance  service  and  access  charges  billed  to  other  telephone  carriers  for
originating and terminating long-distance calls in our network, are billed in arrears.  We recognize revenue from these services
when or as services are transferred to the customer. 

Revenue  related  to  nonrefundable  upfront  fees,  such  as  service  activation  and  set-up  fees  are  deferred  and  amortized  over  the
expected customer life.

Equipment

Equipment  revenue  is  generated  from  the  sale  of  voice  and  data  communications  equipment  as  well  as  design,  configuration,
installation and professional support services related to such equipment.  Equipment revenue generated from telecommunications
systems  and  structured  cabling  projects  is  recognized  when  or  as  the  project  is  completed  and  control  is  transferred  to  the
customer.    Maintenance  services  are  provided  on  both  a  contract  and  time  and  material  basis  and  are  recognized  when  or  as
services are transferred.

Subsidies and Surcharges

Subsidies consist of both federal and state subsidies, which are designed to promote widely available, quality telephone service at
affordable prices in rural areas.  These revenues are calculated by the administering government agency based on information we
provide.    There  is  a  reasonable  possibility  that  out-of-period  subsidy  adjustments  may  be  recorded  in  the  future,  but  they  are
expected to be immaterial to our results of operations, financial position and cash flows.

We recognize Federal Universal Service contributions on a gross basis. We account for all other taxes collected from customers
and remitted to the respective government agencies on a net basis.

Advertising Costs

Advertising  costs  are  expensed  as incurred.   Advertising  expense  was $11.1 million,  $11.5 million  and $11.4 million  in 2020,
2019 and 2018, respectively.

Statement of Cash Flows Information

During 2020, 2019 and 2018, we made payments for interest and income taxes as follows:

(In thousands)
Interest, net of amounts capitalized ($1,660, $3,737 and $5,659 in 2020, 2019 and 2018,
respectively)
Income taxes (received) paid, net

2020

2019

2018

$ 120,897
$

$ 122,422
(553) $ (8,374) $ (9,060)

$ 129,508

In 2020, 2019 and 2018, we acquired equipment of $2.5 million, $6.2 million and $19.2 million, respectively, through finance or
capital lease agreements.

Noncontrolling Interest

We have a majority-owned subsidiary, East Texas Fiber Line Incorporated (“ETFL”), which is a joint venture owned 63% by the
Company and 37% by Eastex Telecom Investments, LLC.  ETFL provides connectivity over a fiber optic transport network to
certain customers residing in Texas.

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Recent Accounting Pronouncements

Effective  January  1,  2020,  we  adopted  ASU  2016-13,  Measurement  of  Credit  Losses  on  Financial  Instruments,  using  the
modified  retrospective  method.    ASU  2016-13  establishes  the  new  “current  expected  credit  loss”  model  for  measuring  and
recognizing  credit  losses  on  financial  assets  based  on  relevant  information  about  past  events,  including  historical  experience,
current conditions and reasonable and supportable forecasts.  For additional information on the adoption of the new standard and
the impact to our consolidated financial statements and related disclosures, refer to the Accounts Receivable and Allowance for
Credit Losses section above.

Effective January 1, 2020, we adopted ASU No. 2018-15 (“ASU 2018-15”), Customer’s Accounting for Implementation Costs
Incurred  in  a  Cloud  Computing  Arrangement  That  is  a  Service  Contract.  ASU  2018-15  provides  guidance  on  accounting  for
costs of implementation activities in a cloud computing arrangement that is a service contract. The new guidance will be applied
prospectively. The adoption of this guidance did not have a material impact on our consolidated financial statements and related
disclosures.

In  August  2018,  the  FASB  issued  ASU  No.  2018-14  (“ASU  2018-14”),  Disclosure  Framework  –  Changes  to  the  Disclosure
Requirements for Defined Benefit Plans. ASU 2018-14 modifies disclosure requirements for defined benefit pension and other
postretirement plans by removing disclosures that no longer are considered cost beneficial, clarifying the specific requirement of
disclosures and adding disclosure requirements identified as relevant. We adopted ASU 2018-14 for the year ended December 31,
2020 and applied the amendments to the disclosures in this update on a retrospective basis to all periods presented. The adoption
of this guidance did not have a material impact on our consolidated financial statements and related disclosures.

In August 2020, the Financial Accounting Standards Board (“FASB”) issued ASU No. 2020-06 (“ASU 2020-06”), Accounting
for  Convertible  Instruments  and  Contracts  in  an  Entity’s  Own  Equity.  ASU  2020-06  simplifies  guidance  on  accounting  for
convertible  instruments  and  contracts  in  an  entity’s  own  equity  including  calculating  diluted  earnings  per  share.  The  new
guidance is effective for annual periods beginning after December 15, 2021. We early adopted this update as of January 1, 2021
and do not expect it to have a material impact on our consolidated financial statements and related disclosures.

In March 2020, the FASB issued ASU No. 2020-04 (“ASU 2020-04”), Facilitation of the Effects of Reference Rate Reform on
Financial  Reporting.  ASU  2020-04  provides  optional  expedients  and  exceptions  for  applying  GAAP  to  contracts,  hedging
relationships,  and  other  transactions  affected  by  reference  rate  reform  if  certain  criteria  are  met.  In  January  2021,  the  FASB
issued  ASU  No.  2021-01  (“ASU  2021-01”),  Reference  Rate  Reform  (Topic  848):  Scope.  ASU  2021-01  clarifies  that  certain
optional expedients and exceptions in Topic 848 for contract  modifications  and hedge accounting  apply to derivatives that are
affected by the discounting transition.   The ASU 2020-04 and ASU 2021-01 are both elective and are effective upon issuance
through  December  31,  2022.  We  are  currently  evaluating  the  impact  this  update  will  have  on  our  consolidated  financial
statements and related disclosures.

In  November  2019,  the  FASB  issued  ASU  No.  2019-12  (“ASU  2019-12”),  Income  Taxes.    ASU  2019-12  simplifies  the
accounting for income taxes by eliminating certain exceptions and adding certain requirements to the general framework in ASC
740,  Income  Taxes.  The  new guidance  is  effective  for  annual  periods  beginning  after  December  15,  2020  with  early  adoption
permitted.  We  adopted  this  update  as  of  January  1,  2021  and  do  not  expect  it  to  have  a  material  impact  on  our  consolidated
financial statements and related disclosures.

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2. REVENUE

Nature of Contracts with Customers

Our  revenue  contracts  with  customers  may  include  a  promise  or  promises  to  deliver  goods  such  as  equipment  and/or  services
such as broadband, video or voice services.  Promised goods and services are considered distinct as the customer can benefit from
the  goods  or  services  either  on  their  own  or  together  with  other  resources  that  are  readily  available  to  the  customer  and  the
Company’s promise to transfer a good or service to the customer is separately identifiable from other promises in the contract.
 The  Company  accounts  for  goods  and  services  as  separate  performance  obligations.    Each  service  is  considered  a  single
performance obligation as it is providing a series of distinct services that are substantially the same and have the same pattern of
transfer.

The  transaction  price  is  determined  at  contract  inception  and  reflects  the  amount  of  consideration  to  which  we  expect  to  be
entitled in exchange for transferring a good or service to the customer.  This amount is generally equal to the market price of the
goods and/or services promised in the contract and may include promotional discounts.  The transaction price excludes amounts
collected  on  behalf  of  third  parties  such  as  sales  taxes  and  regulatory  fees.    Conversely,  nonrefundable  upfront  fees,  such  as
service  activation  and  set-up  fees,  are  included  in  the  transaction  price.    In  determining  the  transaction  price,  we  consider  our
enforceable rights and obligations within the contract.  We do not consider the possibility of a contract being cancelled, renewed
or modified.

The transaction price is allocated to each performance obligation based on the standalone selling price of the good or service, net
of the related discount, as applicable.

Revenue  is  recognized  when  or  as  performance  obligations  are  satisfied  by  transferring  control  of  the  good  or  service  to  the
customer.

Disaggregation of Revenue

The following table summarizes revenue from contracts with customers for the years ended December 31, 2020, 2019 and 2018:

(In thousands)
Operating Revenues

Commercial and carrier:

Data and transport services (includes VoIP)
Voice services
Other

Consumer:

Broadband (VoIP and Data)
Video services
Voice services

Subsidies
Network access
Other products and services

Total operating revenues

2020

2019

2018

$

$

$

362,078
181,700
45,155
588,933

355,325
188,322
52,894
596,541

263,059
74,343
170,503
507,905
71,989
125,261
9,940
1,304,028

257,083
81,378
180,839
519,300
72,440
138,056
10,205
$ 1,336,542

349,413
202,875
56,395
608,683

253,119
88,338
202,032
543,489
83,371
152,582
10,949
$ 1,399,074

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Contract Assets and Liabilities

The  following  table  provides  information  about  receivables,  contract  assets  and  contract  liabilities  from  our  revenue  contracts
with customers:

(In thousands)
Accounts receivable, net
Contract assets
Contract liabilities

Year Ended 
December 31,

2020
$ 137,646
21,004
55,942

2019
$ 120,016
18,804
50,974

Contract assets include costs that are incremental to the acquisition of a contract.  Incremental costs are those that result directly
from obtaining a contract or costs that would not have been incurred if the contract had not been obtained, which primarily relate
to sales commissions.  These costs are deferred and amortized over the expected customer life.  We determined that the expected
customer  life  is  the  expected  period  of  benefit  as  the  commission  on  the  renewal  contract  is  not  commensurate  with  the
commission  on  the  initial  contract.    During  the  years  ended  December  31,  2020,  2019  and  2018,  the  Company  recognized
expense of $9.0 million, $6.3 million and $2.9 million, respectively, related to deferred contract acquisition costs.

Contract  liabilities  include  deferred  revenues  related  to  advanced  payments  for  services  and  nonrefundable,  upfront  service
activation  and  set-up  fees,  which  are  generally  deferred  and  amortized  over  the  expected  customer  life  as  the  option  to  renew
without paying an upfront fee provides the customer with a material right.  During the years ended December 31, 2020, 2019 and
2018, the Company recognized previously deferred revenues of $443.0 million, $397.5 million and $354.2 million, respectively.

A receivable is recognized in the period the Company provides goods or services when the Company’s right to consideration is
unconditional.  Payment terms on invoiced amounts are generally 30 to 60 days.

Performance Obligations

ASC 606, Revenue from Contracts with Customers (“ASC 606”), requires that the Company disclose the aggregate amount of the
transaction  price  that  is  allocated  to  remaining  performance  obligations  that  are  unsatisfied  as  of  December  31,  2020.    The
guidance provides certain practical expedients that limit this requirement.  The service revenue contracts of the Company meet
the following practical expedients provided by ASC 606:

The performance obligation is part of a contract that has an original expected duration of one year or less.

1.
2. Revenue is recognized from the satisfaction of the performance obligations in the amount billable to the customer

in accordance with ASC 606-10-55-18.

The  Company  has  elected  these  practical  expedients.    Performance  obligations  related  to  our  service  revenue  contracts  are
generally  satisfied  over  time.    For  services  transferred  over  time,  revenue  is  recognized  based  on  amounts  invoiced  to  the
customer as the Company has concluded that the invoice amount directly corresponds with the value of services provided to the
customer.    Management  considers  this  a  faithful  depiction  of  the  transfer  of  control  as  services  are  substantially  the  same  and
have the same pattern of transfer over the life of the contract.  As such, revenue related to unsatisfied performance obligations
that will be billed in future periods has not been disclosed.

3. EARNINGS PER SHARE

Basic  and  diluted  earnings  (loss)  per  common  share  (“EPS”)  are  computed  using  the  two-class  method,  which  is  an  earnings
allocation  method  that  determines  EPS  for  each  class  of  common  stock  and  participating  securities  considering  dividends
declared  and  participation  rights  in  undistributed  earnings.    Certain  of  the  Company’s  restricted  stock  awards  are  considered
participating securities because holders are entitled to receive non-forfeitable dividends, if declared, during the vesting term.

The potentially dilutive impact of the Company’s restricted stock awards is determined using the treasury stock method.  Under
the treasury stock method, if the average market price during the period exceeds the exercise price, these instruments

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are treated as if they had been exercised with the proceeds of exercise used to repurchase common stock at the average market
price during the period.  Any incremental difference between the assumed number of shares issued and repurchased is included in
the diluted share computation.

Diluted  EPS  includes  securities  that  could  potentially  dilute  basic  EPS  during  a  reporting  period.    Dilutive  securities  are  not
included in the computation of loss per share when a company reports a net loss from continuing operations as the impact would
be anti-dilutive.

The  computation  of  basic  and  diluted  EPS  attributable  to  common  shareholders  computed  using  the  two-class  method  is  as
follows:

(In thousands, except per share amounts)
Net income (loss)
Less: net income attributable to noncontrolling interest
Income (loss) attributable to common shareholders before allocation of earnings to
participating securities
Less: earnings allocated to participating securities
Net income (loss) attributable to common shareholders, after earnings allocated to
participating securities

2020
$ 37,302
325

2019

2018

$ (19,931) $ (50,571)
263

452

  36,977
2,844

  (20,383)
462

  (50,834)
810

$ 34,133

$ (20,845) $ (51,644)

Weighted-average number of common shares outstanding

  72,752

  70,837

  70,613

Net income (loss) per common share attributable to common shareholders - basic and
diluted

$

0.47

$

(0.29) $

(0.73)

Diluted EPS attributable to common shareholders for the year ended December 31, 2020 excludes 6.1 million potential common
shares related to our share-based compensation plan and the contingent payment right (“CPR”) issued to Searchlight on October
2, 2020, as described in Note 4, because the inclusion of the potential common shares would have an antidilutive effect. Diluted
EPS attributable to common shareholders for the years ended December 31, 2019 and 2018 excludes 1.1 million and 0.5 million
potential common shares, respectively, that could be issued under our share-based compensation plan.

4. SEARCHLIGHT INVESTMENT

In connection with the Investment Agreement entered into on September 13, 2020, affiliates of Searchlight have committed to
invest up to an aggregate of $425.0 million in the Company. The investment commitment is structured in two stages.  In the first
stage  of  the  transaction,  which  was  completed  on  October  2,  2020,  Searchlight  invested  $350.0  million  in  the  Company  in
exchange for 6,352,842 shares, or approximately 8%, of the Company’s common stock and a CPR that is convertible, upon the
receipt  of  certain  regulatory  and  shareholder  approvals,  into  an  additional  17,870,012  shares,  or  16.9%  of  the  Company’s
common stock.  In addition, Searchlight received the right to an unsecured subordinated note with an aggregate principal amount
of approximately $395.5 million (the “Note”).  

In the second stage of the transaction, Searchlight will invest an additional $75.0 million and will be issued the Note, which will
be convertible into shares of a new series of perpetual preferred stock of the Company with an aggregate liquidation preference
equal  to  the  principal  amount  of  the  Note  plus  accrued  interest  as  of  the  date  of  conversion.  The  Note  may  be  issued  to
Searchlight prior to the closing of the second stage of the transaction upon the occurrence of certain events. In addition, following
shareholder approval, if received, the CPR will be convertible into an additional 15,115,899 shares, or an additional 10.1%, of the
Company’s common  stock.   Upon completion  of both stages,  the common  stock and CPR issued to Searchlight  will represent
approximately 35% of the Company’s common stock on an as-converted basis.  The closing of the second stage of the transaction
is subject to the receipt of Federal Communications Commission (“FCC”) and Hart Scott Rodino approvals and the satisfaction
of certain other customary closing conditions. We expect the closing of the second stage to be completed in mid-2021.

The  total  expected  proceeds  from  the  Investment  Agreement  were  allocated  among  each  of  the  individual  components  of  the
investment and recorded at their estimated fair values as of October 2, 2020. The proceeds were first allocated to the CPRs at
their full estimated fair values including a discount for lack of marketability and then allocated to the issuance of

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the  common  stock  with  the  remaining  proceeds  allocated  to  the  Note.    The  estimated  fair  value  of  the  components  of  the
Investment Agreement at October 2, 2020 are as follows:

(In thousands)
Assets Received:

Cash proceeds
Receivable from Searchlight, net of discount of $612
Less: Issuance costs
Total consideration

Assets Exchanged:

6,352,842 shares of common stock, par value $0.01 per share, net of issuance
costs of $1,473
CPR for 16.9% additional shares of common stock
CPR for 10.1% additional shares of common stock
Unsecured subordinated note right, net of discount of $146,018 and issuance
costs of $13,001

$

$

$

$

350,000
74,388
(14,474)
409,914

26,779
79,469
67,221

236,445
409,914

At  December  31,  2020,  the  net  present  value  of  the  receivable  for  the  additional  investment  of  $75.0  million  expected  to  be
received from Searchlight upon the closing of the second stage of the transaction was $74.7 million, net of unamortized discount
of $0.3 million, and is included within other assets in the consolidated balance sheets.

The  CPRs  are  reported  at  their  estimated  fair  value  within  long-term  liabilities  in  the  consolidated  balance  sheets.  Subsequent
changes in fair value are reflected in earnings within other income and expense in the consolidated statements of operations. As
of December 31, 2020, the estimated fair value of the CPRs was $123.2 million and during the year ended December 31, 2020,
we recognized a gain of $23.5 million on the decline in the fair value of the CPRs. Issuance costs allocated to the CPRs of $7.6
million  were  expensed  as  incurred  during  the  year  ended  December  31,  2020,  which  were  included  in  acquisition  and  other
transaction costs in the consolidated statements of operations.  

The Note bears interest at 9.0% per annum from the date of the closing of the first stage of the transaction and is payable semi-
annually in arrears.  Upon conversion of the Note, dividends on the preferred stock will accrue daily on the liquidation preference
at  a  rate  of  9.0%  per  annum,  payable  semi-annually  in  arrears.    The  Note  and  preferred  stock  include  a  paid-in-kind  (“PIK”)
option for a five-year period beginning as of October 2, 2020.  The Company intends to exercise the PIK interest option on the
Note  through  at  least  2022.  The  term  of  the  Note  is  10  years  and  is  due  on  October  1,  2029.  At  December  31,  2020,  the  net
carrying  value  of  the  Note  was  $238.7  million,  net  of  unamortized  discount  and  issuance  costs  of  $144.8  million  and  $12.0
million,  respectively.  The  unamortized  discount  and  issuance  costs  are  being  amortized  over  the  contractual  term  of  the  Note
using the effective interest method.

5.

INVESTMENTS

Our investments are as follows:

(In thousands)
Cash surrender value of life insurance policies
Investments at cost:

GTE Mobilnet of South Texas Limited Partnership (2.34% interest)
Pittsburgh SMSA Limited Partnership (3.60% interest)
CoBank, ACB Stock
Other

Equity method investments:

GTE Mobilnet of Texas RSA #17 Limited Partnership (20.51% interest)
Pennsylvania RSA 6(I) Limited Partnership (16.67% interest)
Pennsylvania RSA 6(II) Limited Partnership (23.67% interest)

Totals

F-21

2020

2019

$

2,536

$

2,474

21,450
22,950
8,882
273

20,299
7,482
27,793
111,665

$

21,450
22,950
8,910
298

20,162
7,658
28,815
112,717

$

    
 
 
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

Investments at Cost

We own 2.34%of GTE Mobilnet of South Texas Limited Partnership (the “Mobilnet South Partnership”). The principal activity
of  the  Mobilnet  South  Partnership  is  providing  cellular  service  in  the  Houston,  Galveston,  and  Beaumont,  Texas  metropolitan
areas. We also own 3.60% of Pittsburgh SMSA Limited Partnership (“Pittsburgh SMSA”), which provides cellular service in and
around  the  Pittsburgh  metropolitan  area.    Because  of  our  limited  influence  over  these  partnerships,  we  account  for  these
investments at our initial cost less any impairment because fair value is not readily available for these investments. We did not
evaluate  any  of  the  investments  for  impairment  as  no  factors  indicating  impairment  existed  during  the  year.  For  these
investments, we adjust the carrying value for any purchases or sales of our ownership interests, if any (there were none during the
periods  presented).    We  record  distributions  received  from  these  investments  as  investment  income  in  non-operating  income
(expense).  In 2020, 2019 and 2018, we received cash distributions from these partnerships totaling $19.1 million, $16.8 million
and $17.3 million, respectively.

CoBank, ACB (“CoBank”) is a cooperative bank owned by its customers.  Annually, CoBank distributes patronage in the form of
cash and stock in the cooperative based on the Company’s outstanding loan balance with CoBank, which has traditionally been a
significant  lender  in  the  Company’s  credit  facility.  The  investment  in  CoBank  represents  the  accumulation  of  the  equity
patronage paid by CoBank to the Company.

Equity Method

We  own  20.51%of  GTE  Mobilnet  of  Texas  RSA  #17  Limited  Partnership  (“RSA  #17”),  16.67%  of  Pennsylvania  RSA
6(I)  Limited  Partnership  (“RSA  6(I)”)  and  23.67%  of  Pennsylvania  RSA  6(II)  Limited  Partnership  (“RSA  6(II)”).    RSA  #17
provides  cellular  service  to  a  limited  rural  area  in  Texas.  RSA  6(I)  and  RSA  6(II)  provide  cellular  service  in  and  around  our
Pennsylvania  service  territory.    Because  we  have  significant  influence  over  the  operating  and  financial  policies  of  these  three
entities,  we  account  for  the  investments  using  the  equity  method.  In  connection  with  the  adoption  of  ASC  606  by  our  equity
method partnerships, the value of our combined partnership interests increased $1.8 million, which is reflected in the cumulative
effect  adjustment  to  retained  earnings  during  the  year  ended  December  31,  2018.    In  2020,  2019  and  2018,  we  received  cash
distributions from these partnerships totaling $22.4 million, $19.0 million and $21.8 million, respectively.  The carrying value of
the investments  exceeds  the underlying equity in net assets of the partnerships  by $32.8 million  as of December  31, 2020 and
2019.

6. FAIR VALUE MEASUREMENTS

Financial Instruments

Interest Rate Swap Agreements

Our derivative instruments related to interest rate swap agreements are required to be measured at fair value on a recurring basis.
 The fair values of the interest rate swaps are determined using valuation models and are categorized within Level 2 of the fair
value hierarchy as the valuation inputs are based on quoted prices and observable market data of similar instruments.  See Note 8
for further discussion regarding our interest rate swap agreements.

Our interest rate swap agreements measured at fair value on a recurring basis at December 31, 2020 and 2019 were as follows:

     Quoted Prices

As of December 31, 2020
     Significant     
Other
Observable
Inputs
(Level 2)

In Active
Markets for
Identical Assets
(Level 1)

Significant
Unobservable  
Inputs
(Level 3)

(6,297)  $

— $
— (22,958) 
— $ (29,255) $

—
—
—

(In thousands)
Current interest rate swap liabilities
Long-term interest rate swap liabilities
Total

$

Total
(6,297)  $
(22,958) 
$ (29,255) $

F-22

 
    
 
 
 
 
Table of Contents

(In thousands)
Current interest rate swap liabilities
Long-term interest rate swap liabilities
Total

Contingent Payment Obligations

     Quoted Prices

As of December 31, 2019
     Significant     
Other
Observable
Inputs
(Level 2)

In Active
Markets for
Identical Assets
(Level 1)

Significant
Unobservable  
Inputs
(Level 3)

(2,565)  $

— $
—   (24,960) 
— $ (27,525) $

—
—
—

Total
(2,565)  $

$
  (24,960) 
$ (27,525) $

Our contingent payment obligations represent the CPRs issued to Searchlight in connection with the Investment Agreement. We
are  required  to  measure  the  CPRs  at  their  estimated  fair  value  on  a  recurring  basis  based  on  a  market  approach  utilizing
observable  market  values  and  a  marketability  discount.    As  of  December  31,  2020,  the  estimated  fair  value  of  the  CPRs  was
$123.2 million and was classified as Level 2 within the fair value hierarchy at December 31, 2020.

We  have  not  elected  the  fair  value  option  for  any  of  our  other  assets  or  liabilities.    The  carrying  value  of  other  financial
instruments,  including  cash,  accounts  receivable,  accounts  payable  and  accrued  liabilities  approximate  fair  value  due  to  their
short maturities.  The following table presents the other financial instruments that are not carried at fair value but which require
fair value disclosure as of December 31, 2020 and 2019.

(In thousands)
Long-term debt, excluding finance leases

     Carrying Value     

Fair Value

     Carrying Value     

Fair Value

$

1,978,694

$

2,039,790

$

2,262,111

$

2,125,497

As of December 31, 2020

As of December 31, 2019

Cost & Equity Method Investments

Our  investments  at  December  31,  2020  and  2019  accounted  for  at  cost  and  under  the  equity  method  consisted  primarily  of
minority  positions  in  various  cellular  telephone  limited  partnerships  and  our  investment  in  CoBank.    It  is  impracticable  to
determine fair value of these investments.

Long-term Debt

The fair value of our senior notes was based on quoted market prices, and the fair value of borrowings under our credit facility
was determined using current market rates for similar types of borrowing arrangements.  We have categorized the long-term debt
as Level 2 within the fair value hierarchy.

7. LONG-TERM DEBT

Long-term debt outstanding, presented net of unamortized discounts, consisted of the following as of December 31, 2020 and
2019:

(In thousands)
Senior secured credit facility:

Term loans, net of discounts of $18,181 and $5,604 at December 31, 2020 and
2019, respectively
Revolving loan

6.50% Senior notes due 2028
6.50% Senior notes due 2022, net of discount of $1,998 at December 31, 2019
Finance leases

Less: current portion of long-term debt and finance leases
Less: deferred debt issuance costs
Total long-term debt

2020

2019

$

$

1,228,694

$
—  

750,000
—
17,467
1,996,161
(17,561)
(45,934)
1,932,666

$

1,779,109
40,000
—
443,002
24,019
2,286,130
(27,301)
(8,152)
2,250,677

F-23

 
    
 
 
 
 
 
  
 
    
 
 
 
 
 
 
Table of Contents

Credit Agreement

On  October  2,  2020,  the  Company,  through  certain  of  its  wholly-owned  subsidiaries,  entered  into  a  Credit  Agreement  with
various financial institutions (the “Credit Agreement”) to replace the Company’s previous credit agreement in its entirety.  The
Credit Agreement consists of term loans in the aggregate amount of $1,250.0 million (the “Term Loans”) and a revolving loan
facility of $250.0 million, which replaced the previous $110.0 million revolving loan facility scheduled to mature on October 5,
2021.  The Credit Agreement also includes an incremental loan facility which provides the ability to borrow, subject to certain
terms  and  conditions,  incremental  loans  in  an  aggregate  amount  of  up  to  the  greater  of  (a)  $300.0  million  plus  (b)  an  amount
which would not cause its senior secured leverage ratio not to exceed 3.70:1.00 (the “Incremental Facility”).  Borrowings under
the  Credit  Agreement  are  secured  by  substantially  all  of  the  assets  of  the  Company  and  its  subsidiaries,  subject  to  certain
exceptions.  

The Term Loans were issued in an original aggregate principal amount of $1,250.0 million with a maturity date of October 2,
2027 and contain an original issuance discount of 1.5% or $18.8 million, which is being amortized over the term of the loan.  The
Term Loans require quarterly principal payments of $3.1 million, which commenced December 31, 2020, and bear interest at a
rate 4.75% plus the London Interbank Offered Rate (“LIBOR”) subject to a 1.00% LIBOR floor.

The  revolving  credit  facility  has  a  maturity  date  of  October  2,  2025  and  an  applicable  margin  (at  our  election)  of  4.00%  for
LIBOR-based borrowings or 3.00% for alternate base rate borrowings, with a 0.25% reduction in each case if the consolidated
first lien leverage ratio, as defined in the Credit Agreement, does not exceed 3.20 to 1.00.  As of December 31, 2020, there were
no  borrowings  outstanding  under  the  revolving  credit  facility.    At  December  31,  2019,  borrowings  of  $40.0  million  were
outstanding  under  the  previous  revolving  credit  facility,  which  consisted  of  LIBOR-based  borrowings  of  $30.0  million  and
alternate base rate borrowings of $10.0 million.  Stand-by letters of credit of $18.1 million were outstanding under our revolving
credit  facility  as  of  December  31,  2020.    The  stand-by  letters  of  credit  are  renewable  annually  and  reduce  the  borrowing
availability under the revolving credit facility.  As of December 31, 2020, $231.9 million was available for borrowing under the
revolving credit facility.

The weighted-average interest rate on outstanding borrowings under our credit facilities was 5.75% and 4.80% at December 31,
2020 and 2019, respectively.  Interest is payable at least quarterly.

Financing Costs

In connection with entering into the Credit Agreement in October 2020, fees of $29.1 million were capitalized as deferred debt
issuance  costs.  These  capitalized  costs  are  amortized  over  the  term  of  the  debt  and  are  included  as  a  component  of  interest
expense  in  the  consolidated  statements  of  operations.  We  also  incurred  a  loss  on  the  extinguishment  of  debt  of  $12.3  million
during  the  year  ended  December  31,  2020  related  to  the  repayment  of  the  outstanding  term  loan  under  the  previous  credit
agreement.

Credit Agreement Covenant Compliance

The Credit Agreement contains various provisions and covenants, including, among other items, restrictions on the ability to pay
dividends,  incur  additional  indebtedness,  and  issue  certain  capital  stock.    We  have  agreed  to  maintain  certain  financial  ratios,
including a maximum consolidated first lien leverage ratio, as defined in the Credit Agreement.  Among other things, it will be an
event of default, with respect to the revolving credit facility only, if our consolidated first lien leverage ratio as of the end of any
fiscal  quarter  is  greater  than  5.85:1.00.    As  of  December  31,  2020,  our  consolidated  first  lien  leverage  ratio  under  the  Credit
Agreement was 3.56:1.00.  As of December 31, 2020, we were in compliance with the Credit Agreement covenants.

Credit Agreement Amendment

On January 15, 2021, the Company entered into Amendment No. 1 to the Credit Agreement in which we borrowed an additional
$150.0  million  aggregate  principal  amount  of  incremental  term  loans  (the  “Incremental  Term  Loans”).  The  Incremental  Term
Loans have terms and conditions identical to the Term Loans including the same maturity date and interest rate. The Term Loans
and Incremental Term Loans will collectively comprise a single class of term loans under the Credit Agreement, as amended. The
Term Loans will require quarterly principal payments of $3.5 million beginning on March 31, 2021.  

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Senior Notes

6.50% Senior Notes due 2028

On October 2, 2020, we completed an offering of $750.0 million aggregate principal amount of 6.50% unsubordinated secured
notes due 2028 (the “Senior Notes”).  The Senior Notes were priced at par and bear interest at a rate of 6.50%, payable semi-
annually on April 1 and October 1 of each year, beginning on April 1, 2021.  The Senior Notes will mature on October 1, 2028.
 Deferred debt issuance costs of $17.0 million incurred in connection with the issuance of the Senior Notes are being amortized
using the effective interest method over the term of the Senior Notes.  

The Senior Notes are unsubordinated secured obligations of the Company, secured by a first priority lien on the collateral that
secures the Company’s obligations under the Credit Agreement. The Senior Notes are fully and unconditionally guaranteed on a
first priority secured basis by the Company and the majority of our wholly-owned subsidiaries.  The offering of the Senior Notes
has not been registered under the Securities Act of 1933, as amended or any state securities laws.

Senior Notes Covenant Compliance

Subject  to  certain  exceptions  and  qualifications,  the  indenture  governing  the  Senior  Notes  contains  customary  covenants  that,
among other things, limits the Company and its restricted subsidiaries’ ability to: incur additional debt or issue certain preferred
stock; pay dividends or make other distributions on capital stock or prepay subordinated indebtedness; purchase or redeem any
equity  interests;  make  investments;  create  liens;  sell  assets;  enter  into  agreements  that  restrict  dividends  or  other  payments  by
restricted subsidiaries; consolidate, merge or transfer all or substantially all of its assets; engage in transactions with its affiliates;
or  enter  into  any sale  and  leaseback  transactions.   The  indenture  also contains  customary  events  of  default.   At December  31,
2020, the Company was in compliance with all terms, conditions and covenants under the indenture governing the Senior Notes.

Redemption of 6.50% Senior Notes due 2022

On  October  2,  2020,  a  notice  of  redemption  was  issued  to  holders  of  our  then  outstanding  $440.5  million  aggregate  principal
amount of 6.50% Senior Notes due in October 2022 (the “2022 Notes”) to redeem all outstanding 2022 Notes at a price equal to
100% of the aggregate principal amount plus accrued and unpaid interest through the redemption date.  A portion of the proceeds
from the issuance of the Senior Notes was deposited with the trustee to pay and discharge the entire indebtedness under the 2022
Notes.  The 2022 Notes were redeemed on November 2, 2020, in accordance with the notice of redemption.  

In connection with the redemption of the 2022 Notes, we recognized a loss on extinguishment of debt of $5.9 million during the
year  ended  December  31,  2020.  During  the  year  ended  December  31,  2019,  we  repurchased  $55.0  million  of  the  aggregate
principal amount of the 2022 Notes for $49.8 million and recognized a gain on extinguishment of debt of $4.5 million.

Future Maturities of Debt

At December 31, 2020, the aggregate maturities of our long-term debt excluding finance leases were as follows:

(In thousands)
2021
2022
2023
2024
2025
Thereafter
Total maturities
Less: Unamortized discount

$

$

12,500
12,500
12,500
12,500
12,500
1,934,375
1,996,875
(18,181)
1,978,694

See Note 9 regarding the future maturities of our obligations for finance leases.

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8. DERIVATIVE FINANCIAL INSTRUMENTS

We may utilize interest rate swap agreements to mitigate risk associated with fluctuations in interest rates related to our variable 
rate debt obligations under the Credit Agreement. Derivative financial instruments are recorded at fair value in our consolidated 
balance sheet. 

The following interest rate swaps were outstanding at December 31, 2020:

(In thousands)
Cash Flow Hedges:

Fixed to 1-month floating LIBOR (with floor)
Fixed to 1-month floating LIBOR (with floor)
Total Fair Values

Notional
Amount

2020 Balance Sheet Location

Fair Value  

$
$

705,000
500,000

Accrued expense
Other long-term liabilities

$

(6,297)
(22,958)
  $ (29,255)

Our interest rate swap agreements mature on various dates between July 2021 and July 2023.  

The following interest rate swaps were outstanding at December 31, 2019:

(In thousands)
Cash Flow Hedges:

Notional
Amount

2019 Balance Sheet Location

Fair Value  

Fixed to 1-month floating LIBOR (with floor)
Fixed to 1-month floating LIBOR (with floor)
Forward starting fixed to 1-month floating LIBOR
(with floor)
Total Fair Values

$
$

$

705,000
500,000   Other long-term liabilities

Accrued expense

705,000   Other long-term liabilities

$

(2,565)
(18,303)

(6,657)
  $ (27,525)

The counterparties to our various swaps are highly rated financial institutions.  None of the swap agreements provide for either us
or  the  counterparties  to  post  collateral  nor  do  the  agreements  include  any  covenants  related  to  the  financial  condition  of
Consolidated or the counterparties. The swaps of any counterparty that is a lender, as defined in our credit facility, are secured
along with the other creditors under the credit facility. Each of the swap agreements provides that in the event of a bankruptcy
filing  by  either  Consolidated  or  the  counterparty,  any  amounts  owed  between  the  two  parties  would  be  offset  in  order  to
determine the net amount due between parties.

In 2018, we entered into an interest rate swap agreement with a notional value of $500.0 million and a term of five years.  The
interest rate swap agreement was designated as a cash flow hedge at inception.  On March 12, 2018, we completed a syndication
of a portion of the $500.0 million interest rate swap agreement with five new counterparties.  On the date of the syndication, the
interest  rate  swap  agreements  were  de-designated  due  to  changes  in  critical  terms  as  a  result  of  the  syndication.    Prior  to  de-
designation,  the  change  in  fair  value  of  the  interest  rate  swap  was  recognized  in  AOCI.    The  balance  of  the  unrealized  loss
included  in  AOCI  as  of  the  date  the  swaps  were  de-designated  is  being  amortized  to  earnings  over  the  remaining  term  of  the
interest  rate  swap  agreements.  In  April  2018,  the  interest  rate  swap  agreements  were  re-designated  as  a  cash  flow  hedge.
 Changes in fair value of the de-designated swaps were immediately recognized in earnings as interest expense prior to the re-
designation date.  During the year ended December 31, 2018, a loss of $2.5 million was recognized in interest expense for the
change in fair value of the de-designated swaps.

At December 31, 2020 and 2019, the total pre-tax unrealized loss related to our interest rate swap agreements included in AOCI
was  $(25.2)  million  and  $(22.5)  million,  respectively.    From  the  balance  in  AOCI  as  of  December  31,  2020,  we  expect  to
recognize a loss of approximately $13.8 million in earnings as interest expense in the next twelve months.

Information regarding our cash flow hedge transactions is as follows:

(In thousands)
Unrealized loss recognized in AOCI, pretax
Deferred loss reclassified from AOCI to interest expense

Year Ended December 31,

2020
(18,398)
(15,683)

$
$

2019
(26,013)
(1,108)

$
$

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Table of Contents

9. LEASES

We  have  entered  into  various  leases  for  certain  facilities,  land,  underground  conduit,  colocations,  and  equipment  used  in  our
operations.  For leases with a term greater than 12 months, we recognize a right-to-use asset and a lease liability based on the
present  value  of  lease  payments  over the  lease  term.   The  leases  have  remaining  lease  terms  of  one year  to  88 years  and  may
include one or more options to renew, which can extend the lease term from one to five years or more. Operating lease expense is
recognized on a straight-line basis over the lease term.

As most of our leases do not provide a readily determinable implicit rate, we use our incremental borrowing rate based on the
information available at lease commencement date in determining the present value of lease payments.  We use the implicit rate
when a rate is readily determinable.  Our leases may also include scheduled rent increases and options to extend or terminate the
lease which is included in the determination of lease payments when it is reasonably certain that we will exercise that option.  For
all  asset  classes,  we  do  not  separate  lease  and  nonlease  components,  as  such  we  account  for  the  components  as  a  single  lease
component.  

Leases  with  an  initial  term  of  12  months  or  less  are  not  recognized  on  the  balance  sheet  and  the  expense  for  these  short-term
leases is recognized on a straight-line basis over the lease term. Short-term lease expense, which is recognized in cost of services
and products, was not material  to the consolidated statements of operations for the years ended December 31, 2020 and 2019.
 Variable lease payments are expensed as incurred.

The following table summarizes the components of our lease right-of use assets and liabilities at December 31, 2020 and 2019:

(In thousands)
Operating leases

Balance Sheet Classification

2020

2019

Operating lease right-of-use assets
Current lease liabilities
Noncurrent lease liabilities

Other assets
Accrued expense
Other long-term liabilities

Finance leases

Finance lease right-of-use assets, net of
accumulated depreciation of $23,034
and $28,909

Current lease liabilities

Noncurrent lease liabilities

Weighted-average remaining lease
term

Operating leases
Finance leases

Weighted-average discount rate

Operating leases
Finance leases

Property, plant and equipment, net
Current portion of long-term debt and
finance lease obligations
Long-term debt and finance lease
obligations

F-27

$
$
$

$

$

$

25,808
(5,824)
(20,192)

17,373

(5,061)

(12,406)

$
$
$

$

$

$

26,239
(6,173)
(20,235)

22,414

(8,951)

(15,068)

7.2 years
6.2 years

7.6 years
5.6 years

6.43 %
6.99 %

7.20 %
7.15 %

    
 
 
Table of Contents

The components of lease expense for the years ended December 31, 2020 and 2019 consisted of the following:

(In thousands)
Finance lease cost:

Amortization of right-of-use assets
Interest on lease liabilities

Operating lease cost
Variable lease cost
Total lease cost

Year Ended December 31,
2019
2020

$

$

7,442
1,356
8,421
2,205
19,424

$

$

12,031
1,993
8,902
2,392
25,318

The following table presents supplemental cash flow information related to leases for the years ended December 31, 2020 and
2019:

(In thousands)
Cash paid for amounts included in the measurement of lease liabilities:

Operating cash flows for operating leases
Operating cash flows for finance leases
Financing cash flows for finance leases

Right-of-use assets obtained in exchange for new lease liabilities:

Operating leases
Finance leases

Year Ended December 31,

2020

2019

$

$

8,325
1,356
9,020

6,842
2,534

8,701
1,993
12,519

2,269
6,227

At December 31, 2020, the aggregate maturities of our lease liabilities were as follows:

(In thousands)
2021
2022
2023
2024
2025
Thereafter
Total lease payments
Less: Interest

Lessor

Operating Leases
7,319
6,767
4,583
2,943
2,246
9,491
33,349
(7,333)
26,016

$

$

$

$

Finance Leases

5,968
3,971
2,343
1,850
1,732
4,721
20,585
(3,118)
17,467

We  have  various  arrangements  for  use  of  our  network  assets  for  which  we  are  the  lessor,  including  tower  space,  certain
colocation, conduit and dark fiber arrangements.  These leases meet the criteria for operating lease classification.  Lease income
associated with these types of leases is not material.  Occasionally, we enter into arrangements where the term may be for a major
part of the asset’s remaining economic life such as in indefeasible right of use (“IRU”) arrangements for dark fiber or conduit,
which meet the criteria for sales-type lease classification.  During the years ended December 31, 2020 and 2019, we entered into
IRU arrangements for exclusive access to and unrestricted use of specific assets.  These arrangements were recognized as sales-
type leases as the term of the arrangements were for a major part of the asset’s remaining economic life.  During the years ended
December 31, 2020 and 2019, we recognized revenue of $2.2 million and $2.0 million, respectively, as well as a gain of $1.1
million and $1.6 million, respectively, related to these arrangements.  

We  elected  the  practical  expedient  to  combine  lease  and  non-lease  components  in  our  lessor  arrangements.    We  have
arrangements where the non-lease component associated with the lease component is the predominant component in the contract,
such as in revenue contracts that involve the customer leasing equipment from us.  In such cases, we account for

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Table of Contents

the combined component in accordance with ASC 606 as the service component is the predominant component in the contract.

10. EQUITY

Dividends

Our Board of Directors declared quarterly dividends of approximately $0.38738 per share during 2018.  On February 18, 2019,
the Board of Directors declared a dividend of approximately $0.38738 per share, paid on May 1, 2019 to stockholders of record
on April 15, 2019.  

On April 25, 2019, we announced the elimination of the payment of quarterly dividends on our stock beginning in the second
quarter  of  2019.    Future  dividend  payments,  if  any,  are  at  the  discretion  of  our  Board  of  Directors.    Changes  in  our  dividend
program will depend on our earnings, capital requirements, financial condition, debt covenant compliance, expected cash needs
and other factors considered relevant by our Board of Directors.

Share-based Compensation

Our  Board  of  Directors  may  grant  share-based  awards  from  our  shareholder  approved  Amended  and  Restated  Consolidated
Communications Holdings, Inc. 2005 Long-Term  Incentive Plan (the “Plan”).  The Plan permits the issuance of awards in the
form of stock options, stock appreciation rights, stock grants, stock unit grants and other equity-based awards to eligible directors
and employees at the discretion of the Compensation Committee of the Board of Directors.  On April 30, 2018, the shareholders
approved an amendment to the Plan to increase by 2,000,000 the number of shares of our common stock authorized for issuance
under the Plan and extend the term of the Plan through April 30, 2028. With the amendment, approximately 4,650,000 shares of
our common stock are authorized for issuance under the Plan, provided that no more than 300,000 shares may be granted in the
form of stock options or stock appreciation rights to any eligible employee or director in any calendar year.  Unless terminated
sooner, the Plan will continue in effect until April 30, 2028.

We  measure  the  fair  value  of  RSAs  based  on  the  market  price  of  the  underlying  common  stock  on  the  date  of  grant.    We
recognize  the  expense  associated  with  RSAs  on  a  straight-line  basis  over  the  requisite  service  period,  which  generally  ranges
from immediate vesting to a four-year vesting period.

We implemented an ongoing performance-based incentive program under the Plan.  The performance-based incentive program
provides for annual grants of PSAs.  PSAs are restricted stock that are issued, to the extent earned, at the end of each performance
cycle.  Under the performance-based incentive program, each participant is given a target award expressed as a number of shares,
with a payout opportunity ranging from 0% to 120% of the target, depending on performance relative to predetermined goals.  An
estimate of the number of PSAs that are expected to vest is made, and the fair value of the PSAs is expensed utilizing the fair
value on the date of grant over the requisite service period.

The following table summarizes grants of RSAs and PSAs under the Plan during the years ended December 31, 2020, 2019 and
2018:

RSAs Granted
PSAs Granted

Total

Year Ended December 31,

     Grant Date     
Fair Value

2019

     Grant Date     
Fair Value

$
$

6.30   551,214
9.86   371,672
  922,886

$
$

9.87  
12.45  

2020
863,710
240,669
1,104,379

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     Grant Date  
Fair Value  

12.45
—

2018
478,210

$
— $

478,210

 
    
    
    
    
 
 
 
 
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The following table summarizes the RSA and PSA activity during the year ended December 31, 2020:

Non-vested shares outstanding - December 31, 2019
Shares granted
Shares vested
Shares forfeited, cancelled or retired
Non-vested shares outstanding - December 31, 2020

RSAs
     Weighted

Average Grant
Date Fair Value
Shares
$
532,445
$
863,710
(532,414) $
(29,768) $
833,973
$

11.58  
6.30  
8.74  
9.36
7.81  

PSAs
     Weighted

Average Grant
Date Fair Value  
Shares
$
275,995
$
240,669
(137,969) $
(13,655) $
365,040
$

13.29
9.86
12.33
11.51
11.06

The  total  fair  value  of  the  RSAs  and  PSAs  that  vested  during  the  years  ended  December  31,  2020,  2019  and  2018  was  $6.4
million, $5.6 million and $4.1 million, respectively.

Share-based Compensation Expense

The following table summarizes total compensation costs recognized for share-based payments during the years ended December
31, 2020, 2019 and 2018:

(In thousands)
Restricted stock
Performance shares
Total

Year Ended December 31,
2019

2018

2020

$

$

4,597
2,936
7,533

$

$

4,013
2,823
6,836

$

$

3,249
1,870
5,119

Income  tax  benefits  related  to  share-based  compensation  of  approximately  $2.0  million,  $1.8  million  and  $1.3  million  were
recorded for the years ended December 31, 2020, 2019 and 2018, respectively.  Share-based compensation expense is included in
“selling, general and administrative expenses” in the accompanying consolidated statements of operations.

As of December 31, 2020, total unrecognized compensation cost related to non-vested RSAs and PSAs was $11.5 million and
will be recognized over a weighted-average period of approximately 1.6 years.

Accumulated Other Comprehensive Income (Loss)

The following table summarizes the changes in accumulated other comprehensive income (loss), net of tax, by component during
2020 and 2019:

(In thousands)
Balance at December 31, 2018

Other comprehensive loss before reclassifications
Cumulative adjustment upon adoption of ASU 2017-12
Amounts reclassified from accumulated other comprehensive loss
Net current period other comprehensive income (loss)

Balance at December 31, 2019

Other comprehensive loss before reclassifications
Amounts reclassified from accumulated other comprehensive loss
Net current period other comprehensive income (loss)

Balance at December 31, 2020

Pension and
Post-Retirement
Obligations

$

$

$

(55,514) $
(16,738)
—
7,936
(8,802)  
(64,316) $
(27,007)
436
(26,571)  
(90,887) $

$

Derivative
Instruments
2,302
(19,237)
(576)
959
(18,854)  
(16,552) $
(13,601)
11,622
(1,979)  
(18,531) $

Total

(53,212) 
(35,975)
(576)
8,895
(27,656)
(80,868)
(40,608)
12,058
(28,550)
(109,418)

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The following table summarizes reclassifications from accumulated other comprehensive loss during 2020 and 2019:

(In thousands)
Amortization of pension and post-retirement items:

Prior service cost
Actuarial gain (loss)
Settlement loss

Gain (Loss) on cash flow hedges:
Interest rate derivatives

Amount Reclassified from AOCI
Year Ended December 31,
2019
2020

Affected Line Item in the
Statement of Income

$

$

$

$

$

(1,270)
694
—  

(576)
140
(436)

(15,683)
4,061
(11,622)

$

$

$

(a)
(857) 
(a)  
(3,195) 
(6,726) 
(a)  
(10,778)  Total before tax
2,842   Tax benefit
(7,936)  Net of tax

(1,108) 

Interest expense
149   Tax benefit (expense)
(959)  Net of tax

(a) These items are included in the components of net periodic benefit cost for our pension and post-retirement benefit 

plans. See Note 11 for additional details.

11. PENSION PLANS AND OTHER POST-RETIREMENT BENEFITS

Defined Benefit Plans

We  sponsor  three  qualified  defined  benefit  pension  plans  that  are  non-contributory  covering  substantially  all  of  our  hourly
employees  under  collective  bargaining  agreements  who  fulfill  minimum  age  and  service  requirements  and  certain  salaried
employees. The defined benefit pension plans are closed to all new entrants. In November 2018, a defined benefit pension plan
was amended to freeze benefit accruals under the cash balance benefit plan for certain participants under collective bargaining
agreements effective as of March 31, 2019. Consequently, as of April 1, 2019 all of our defined benefit pension plans are now
frozen to all current employees, and no additional monthly pension benefits will accrue under those plans.

We also have two non-qualified supplemental retirement plans (the “Supplemental Plans” and, together with the defined benefit
pension  plans,  the  “Pension  Plans”).  The  Supplemental  Plans  provide  supplemental  retirement  benefits  to  certain  former
employees by providing for incremental pension payments to partially offset the reduction of the amount that would have been
payable under the qualified defined benefit pension plans if it were not for limitations imposed by federal income tax regulations.
The Supplemental Plans are frozen so that no person is eligible to become a new participant.  These plans are unfunded and have
no assets.  The benefits paid under the Supplemental Plans are paid from the general operating funds of the Company.

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The  following  tables  summarize  the  change  in  benefit  obligation,  plan  assets  and  funded  status  of  the  Pension  Plans  as  of
December 31, 2020 and 2019:

(In thousands)
Change in benefit obligation
Benefit obligation at the beginning of the year
Service cost
Interest cost
Actuarial loss
Benefits paid
Plan settlement
Benefit obligation at the end of the year

(In thousands)
Change in plan assets
Fair value of plan assets at the beginning of the year
Employer contributions
Actual return on plan assets
Benefits paid
Plan settlement
Fair value of plan assets at the end of the year
Funded status at year end

2020

2019

759,821

$
—  

25,971
75,131
(34,803)

—  
$

826,120

712,174
50
30,327
80,023
(31,581)
(31,172)
759,821

2020

2019

$

556,967
24,039
77,623
(34,803)

—  
$
$

623,826
(202,294)

499,791
27,516
92,413
(31,581)
(31,172)
556,967
(202,854)

$

$

$

$
$

In the years ended December 31, 2020 and 2019, the actuarial loss on the benefit obligation was primarily due to decreases in the
discount rate.

Amounts recognized in the consolidated balance sheets at December 31, 2020 and 2019 consisted of:

(In thousands)
Current liabilities
Long-term liabilities

2020

2019

(244) $

(243)
$
$ (202,050) $ (202,611)

Amounts recognized in accumulated other comprehensive loss for the years ended December 31, 2020 and 2019 consisted of:

(In thousands)
Unamortized prior service cost
Unamortized net actuarial loss

2020

$
930
  138,868
$ 139,798

2019
$
1,052
  107,982
$ 109,034

The  following  table  summarizes  the  components  of  net  periodic  pension  cost  recognized  in  the  consolidated  statements  of
operations for the plans for the years ended December 31, 2020, 2019 and 2018:

(In thousands)
Service cost
Interest cost
Expected return on plan assets
Amortization of:

Net actuarial loss
Prior service cost (credit)

Plan curtailment
Plan settlement
Net periodic pension cost

$

$

2020

2019

2018

— $

25,971
(34,544)

1,165
123
—
—
(7,285)

$

50
30,327
(34,627)

2,890
123
—
6,726
5,489

$

$

5,809
28,870
(38,640)

6,110
(204)
(1,156)
94
883

The components of net periodic pension cost other than the service cost component are included in other, net within other income
(expense) in the consolidated statements of operations.

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In 2019, we purchased a group annuity contract to transfer the pension benefit obligations and annuity administration for a select
group of retirees or their beneficiaries to an annuity provider.  Upon issuance of the group annuity contract, the pension benefit
obligation of $24.4 million for approximately 500 participants was irrevocably transferred to the annuity provider.  The purchase
of  the  group  annuity  was  funded  directly  by  the  assets  of  the  Pension  Plans.    During  the  year  ended  December  31,  2019,  we
recognized a pension settlement charge of $6.7 million as a result of the transfer of the pension liability to the annuity provider
and other lump sum payments made during the year.

In 2018, the Retirement Plan was amended to freeze benefit accruals under the cash balance benefit plan for certain participants
under  collective  bargaining  agreements.  As  a  result  of  these  amendments,  we  recognized  a  pre-tax  curtailment  gain  of  $1.2
million as a component of net periodic pension cost during the year ended December 31, 2018.

The following table summarizes other changes in plan assets and benefit obligations recognized in other comprehensive loss,
before tax effects, during 2020 and 2019:

(In thousands)
Actuarial loss, net
Recognized actuarial loss
Prior service credit
Recognized prior service cost
Plan settlement
Total amount recognized in other comprehensive loss, before tax effects

2020
32,052
(1,165)

$

—  

(123)

—  
$

30,764

2019
22,236
(2,890)
(123)
—
(6,726)
12,497

$

$

The weighted-average assumptions used to determine the projected benefit obligations and net periodic benefit cost for the years
ended December 31, 2020, 2019 and 2018 were as follows:

Discount rate - net periodic benefit cost
Discount rate - benefit obligation
Expected long-term rate of return on plan assets
Rate of compensation/salary increase
Interest crediting rate for cash balance plans

Other Non-qualified Deferred Compensation Agreements

     2020

2019

2018

3.51 %   4.36 %   3.75 %
2.81 %   3.51 %   4.39 %
6.25 %   6.97 %   7.03 %
2.50 %   2.50 %   2.50 %
2.00 %   3.00 %   3.00 %

We also are liable for deferred compensation agreements with former members of the board of directors and certain other former
employees of acquired companies.  Depending on the plan, benefits are payable in monthly or annual installments for a period of
time based on the terms of the agreement which range from five years up to the life of the participant or to the beneficiary upon
death of the participant and may begin as early as age 55.  Participants accrue no new benefits as these plans had previously been
frozen.  Payments related to the deferred compensation agreements totaled approximately $0.2 million and $0.3 million for the
years ended December 31, 2020 and 2019, respectively.  The net present value of the remaining obligations was approximately
$0.8  million  and  $1.4  million  at  December  31,  2020  and  2019,  respectively,  and  is  included  in  pension  and  post-retirement
benefit obligations in the accompanying balance sheets.

We also maintain 24 life insurance policies on certain of the participating former directors and employees. We recognized $1.4
million in life insurance proceeds as other non-operating income in 2020. We did not recognize any life insurance proceeds in
2019. The excess of the cash surrender value of the remaining life insurance policies over the notes payable balances related to
these  policies  is  determined  by  an  independent  consultant,  and  totaled  $2.5  million  at  December  31,  2020  and  2019.  These
amounts are included in investments in the accompanying consolidated balance sheets.  Cash principal payments for the policies
and  any  proceeds  from  the  policies  are  classified  as  operating  activities  in  the  consolidated  statements  of  cash  flows.    The
aggregate death benefit payment payable under these policies totaled $6.3 million and $7.1 million as of December 31, 2020 and
2019, respectively.

Post-retirement Benefit Obligations

We sponsor various  healthcare  and life insurance  plans (“Post-retirement  Plans”) that  provide post-retirement  medical  and life
insurance benefits to certain groups of retired employees.  Certain plans are frozen so that no person is eligible to become a new
participant. Retirees share in the cost of healthcare benefits, making contributions that are adjusted

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periodically—either based upon collective bargaining agreements or because total costs of the program have changed.  Covered
expenses  for  retiree  health  benefits  are  paid  as  they  are  incurred.    Post-retirement  life  insurance  benefits  are  fully  insured.    A
majority of the healthcare plans are unfunded and have no assets, and benefits are paid from the general operating funds of the
Company.  However, a certain healthcare plan is funded by assets that are separately designated within the Pension Plans for the
sole purpose of providing payments of retiree medical benefits for this specific plan.  

The  following  tables  summarize  the  change  in  benefit  obligation,  plan  assets  and  funded  status  of  the  post-retirement  benefit
obligations as of December 31, 2020 and 2019:

(In thousands)
Change in benefit obligation
Benefit obligation at the beginning of the year
Service cost
Interest cost
Plan participant contributions
Actuarial loss
Benefits paid
Plan amendments
Benefit obligation at the end of the year

(In thousands)
Change in plan assets
Fair value of plan assets at the beginning of the year
Employer contributions
Plan participant’s contributions
Actual return on plan assets
Benefits paid
Fair value of plan assets at the end of the year

Funded status at year end

2020

2019

$ 107,132
825
3,265
218
6,387
(9,376)
(1,747)
$ 106,704

$ 109,902
957
4,231
269
570
(8,797)
—
$ 107,132

2020

2019

$

$

3,164
9,159
218
172
(9,376)
3,337

$

$

2,791
8,527
269
374
(8,797)
3,164

$ (103,367) $

(103,968)

In the years ended December 31, 2020 and 2019, the actuarial loss on the benefit obligation was primarily due to decreases in
discount rate which was partially offset by the underwriting gain.

Amounts recognized in the consolidated balance sheets at December 31, 2020 and 2019 consist of:

(In thousands)
Current liabilities
Long-term liabilities

2020
(5,709) $
(97,658) $

2019

(5,619)
(98,349)

$
$

Amounts recognized in accumulated other comprehensive loss for the years ended December 31, 2020 and 2019 consist of:

(In thousands)
Unamortized prior service credit
Unamortized net actuarial loss (gain)

2020
(3,766) $
284
(3,482) $

2019

(872)
(7,987)
(8,859)

$

$

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The  following  table  summarizes  the  components  of  the  net  periodic  costs  for  post-retirement  benefits  for  the  years  ended
December 31, 2020, 2019 and 2018:

(In thousands)
Service cost
Interest cost
Expected return on plan assets
Amortization of:

Net actuarial gain
Prior service cost

Net periodic postretirement benefit cost

2020

2019

2018

$

$

825
3,265
(197)

(1,859)
1,147
3,181

$

$

957
4,231  
(180)

(2,033)
3,072
6,047

$

$

405
4,128
(142)

(56)
367
4,702

The  components  of  net  periodic  post-retirement  benefit  cost  other  than  the  service  cost  component  are  included  in  other,  net
within other income (expense) in the consolidated statements of operations.

The  following  table  summarizes  other  changes  in  plan  assets  and  benefit  obligations  recognized  in  other  comprehensive  loss,
before tax effects, during 2020 and 2019:

(In thousands)
Actuarial loss, net
Recognized actuarial gain
Prior service credit
Recognized prior service cost

Total amount recognized in other comprehensive loss, before tax effects

2020
$ 6,412
1,859
  (1,747)
  (1,147)

2019

$

376
2,033
  —
  (3,072)

$ 5,377

$

(663)

The weighted-average discount rate assumptions utilized for the years ended December 31 were as follows:

Net periodic benefit cost
Benefit obligation

     2020      2019     

2018  

3.35 %   4.35 %   3.62 %
2.56 %   3.34 %   4.35 %

For purposes of determining the cost and obligation for post-retirement medical benefits, a 6.50% healthcare cost trend rate was
assumed for the plan in 2020, declining to the ultimate trend rate of 5.00% in 2027.  

Plan Assets

Our  investment  strategy  is  designed  to  provide  a  stable  environment  to  earn  a  rate  of  return  over  time  to  satisfy  the  benefit
obligations and minimize the reliance on contributions as a source of benefit security.  The objectives are based on a long-term (5
to 15 year) investment horizon, so that interim fluctuations should be viewed with appropriate perspective.  The assets of the fund
are to be invested to achieve the greatest return for the pension plans consistent with a prudent level of risk.

The asset return objective is to achieve, as a minimum over time, the passively managed return earned by managed index funds,
weighted in the proportions outlined by the asset class exposures identified in the pension plan’s strategic allocation. We update
our long-term, strategic asset allocations every few years to ensure they are in line with our fund objectives.  At December 31,
2020, the target allocation of the Pension Plan assets is approximately 70 - 90% in return seeking assets consisting primarily of
equity and fixed income funds with the remainder in hedge funds.  Our investment policy allows the use of derivative instruments
when  appropriate  to  reduce  anticipated  asset  volatility  or  to  gain  desired  exposure  to  various  markets  and  return  drivers.
 Currently, we believe that there are no significant concentrations of risk associated with the Pension Plan assets.

The following is a description of the valuation methodologies for assets measured at fair value utilizing the fair value hierarchy
discussed  in  Note  1,  which  prioritizes  the  inputs  used  in  the  valuation  methodologies  in  measuring  fair  value.  The  fair  value
measurements  used  to  value  our  plan  assets  as  of  December  31,  2020  were  generated  by  using  market  transactions  involving
identical or comparable assets.  There were no changes in the valuation techniques used during 2020.

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Common Stocks:  Includes domestic and international common stocks and are valued at the closing price as of the measurement
date as reported on the active market on which the individual securities are traded.

Common Collective Trusts and Commingled Funds:  Units in the fund are valued based on the net asset value (“NAV”) of the
funds, which is based on the fair value of the underlying investments held by the fund less its liabilities as reported by the issuer
of the fund. The NAV per share is used as a practical expedient to estimate fair value. This practical expedient is not used when it
is determined to be probable that the fund will sell the investment for an amount different than the reported net asset value. These
investments  have  no  unfunded  commitments,  are  redeemable  daily,  weekly,  monthly  or  quarterly  and  have  redemption  notice
periods of up to 180 days.

The fair  values of our assets for our defined benefit  pension plans at December 31, 2020 and 2019, by asset category  were as
follows:

(In thousands)
Equities:
Stocks:

U.S. common stocks
International stocks

Total plan assets in the fair value hierarchy
Common Collective Trusts measured at NAV: (1)
Short-term investments (2)
Equities:
Global
Real estate
Fixed Income
Hedge Funds
Other assets/(liabilities) (3)
Total plan assets

(In thousands)
Cash and cash equivalents
Equities:
Stocks:

U.S. common stocks
International stocks

Total plan assets in the fair value hierarchy

Common Collective Trusts measured at NAV: (1)
Short-term investments (2)
Equities:
Global
Real estate
Fixed Income
Total plan assets

Quoted Prices
In Active
Markets for
Identical Assets
(Level 1)

As of December 31, 2020
Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Total

$

15
1
16

$

$

15
1
16

$

$

— $
—
—

$

—
—
—

7,479

232,933
89,508
  247,479
46,402
9
$ 623,826

Total

Quoted Prices
In Active
Markets for
Identical Assets
(Level 1)

As of December 31, 2019
Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

—

—
—
—

$

21

$

21

$

— $

15
4
40

$

—
—
—

$

$

15
4
40

9,201

220,453
83,433
  243,840
$ 556,967

(1) Certain investments that are measured at fair value using NAV per share as a practical expedient have not been categorized in the fair
value hierarchy. The fair value amounts presented in these tables are intended to permit reconciliation of the fair value hierarchy to the
total plan assets.

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(2) Short-term investments include an investment in a common collective trust which is principally comprised of certificates of deposit,

commercial paper, U.S. government obligations and variable rate securities with maturities less than one year.

(3) Other assets/(liabilities) include accrued receivables, net payables and pending settlements.

The fair values of our assets for our post-retirement benefit plans at December 31, 2020 and 2019 were as follows:

(In thousands)
Common Collective Trusts measured at NAV: (1)
Short-term investments (2)
Equities:
Global
Real estate
Fixed Income
Hedge Funds
Total plan assets
Benefit payments payable
Net plan assets

(In thousands)
Common Collective Trusts measured at NAV: (1)
Short-term investments (2)
Equities:
Global
Real estate
Fixed Income
Total plan assets

As of
December 31,
2020

$

41

1,288
496
1,369
257
3,451
(114)
3,337

$

As of
December 31,
2019

$

53

1,252
474
1,385
3,164

$

(1) Certain investments that are measured at fair value using NAV per share as a practical expedient have not been categorized in the fair
value hierarchy. The fair value amounts presented in these tables are intended to permit reconciliation of the fair value hierarchy to the
total plan assets.

(2) Short-term  investments  include  investment  in  a  common  collective  trust  which  is  principally  comprised  of  certificates  of  deposit,

commercial paper and U.S. government obligations with maturities less than one year.

Cash Flows

Contributions

Our  funding  policy  is  to  contribute  annually  an  actuarially  determined  amount  necessary  to  meet  the  minimum  funding
requirements as set forth in employee benefit and tax laws.  We expect to contribute approximately $20.7 million to our Pension
Plans and $8.8 million to our other post-retirement plans in 2021.

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Estimated Future Benefit Payments

As of December 31, 2020, benefit payments expected to be paid over the next ten years are outlined in the following table:

(In thousands)
2021
2022
2023
2024
2025
2026 - 2030

Defined Contribution Plans

$

Pension
Plans

Other
Post-retirement
Plans

$

34,982
35,976
36,667
37,821
38,290
201,101

8,789
8,164
7,705
7,265
6,702
28,640

We  offer  defined  contribution  401(k)  plans  to  substantially  all  of  our  employees.    Contributions  made  under  the  defined
contribution plans include a match, at the Company’s discretion, of employee contributions to the plans.  We recognized expense
with respect to these plans of $15.6 million, $15.8 million and $13.7 million in 2020, 2019 and 2018, respectively.

12. INCOME TAXES

Income tax expense (benefit) consists of the following components:

(In thousands)
Current:

Federal
State

Total current expense

Deferred:
Federal
State

Total deferred expense (benefit)
Total income tax expense (benefit)

For the Year Ended
2019

2018

2020

$

314
2,236
2,550

8,802
(416)
8,386
$ 10,936

$

$

$

143
1,392
1,535

247
1,634
1,881

(4,339)
(910)
(5,249)
(3,714) $

(17,248)
(8,760)
(26,008)
(24,127)

The following is a reconciliation of the federal statutory tax rate to the effective tax rate for the years ended December 31, 2020,
2019 and 2018:

(In percentages)
Statutory federal income tax rate
State income taxes, net of federal benefit
Searchlight investment
Other permanent differences
Change in deferred tax rate
Change in deferred tax rate - Federal Tax Reform
Valuation allowance
Provision to return
Sale of stock in subsidiary
State audit settlement
Acquisition related
Other

F-38

For the Year Ended

     2020      2019     

2018

21.0 %   21.0 %   21.0 %
10.6  
1.6  
—  
(3.3) 
(4.5) 
2.2  
(2.9) 
—
(4.7)
(0.5) 
—
(3.2)
—  
  —  
(0.5) 
(0.1) 
22.7 %   15.7 %   32.3 %

5.2
—
(0.9)
3.7
6.9
(2.3)
0.5
(1.0)
—
(1.3)
0.5

  —
—
2.8
(1.1)
—
—

        
    
 
 
 
 
 
 
 
 
 
 
 
    
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

Deferred Taxes

The components of the net deferred tax liability are as follows:

(In thousands)
Non-current deferred tax assets:

Reserve for uncollectible accounts
Accrued vacation pay deducted when paid
Accrued expenses and deferred revenue
Net operating loss carryforwards
Pension and postretirement obligations
Share-based compensation
Derivative instruments
Financing costs
Tax credit carryforwards

Valuation allowance

Net non-current deferred tax assets

Non-current deferred tax liabilities:
Goodwill and other intangibles
Basis in investment
Partnership investments
Property, plant and equipment
Other

Net non-current deferred taxes

Year Ended December 31,

2020

2019

$

2,420
4,354
16,419
76,198
79,688
974
6,582
1,177
4,990
  192,802
(7,139)
  185,663

$

1,194
4,152
9,839
86,535
80,245
693
5,868
176
6,077
  194,779
(6,680)
  188,099

(53,797)
(12)
(15,988)
  (286,888)
1
  (356,684)
$ (171,021)

(66,271)
(5)
(16,138)
  (278,712)
—
  (361,126)
$ (173,027)

As  of  December  31,  2020,  the  CARES  Act  did  not  have  a  material  impact  on  the  Company’s  income  tax  positions.  We  will
continue to evaluate the impact of enacted and future legislation.

Deferred income taxes are provided for the temporary differences between assets and liabilities recognized for financial reporting
purposes  and  assets  and  liabilities  recognized  for  tax  purposes.    The  ultimate  realization  of  deferred  tax  assets  depends  upon
taxable  income  during  the  future  periods  in  which  those  temporary  differences  become  deductible.    To  determine  whether
deferred tax assets can be realized, management assesses whether it is more likely than not that some portion or all of the deferred
tax assets will not be realized, taking into consideration the scheduled reversal of deferred tax liabilities, projected future taxable
income and tax-planning strategies.

Consolidated  and its wholly owned subsidiaries, which file a consolidated federal  income tax return, estimates  it has available
federal  NOL  carryforwards  as  of  December  31,  2020  of  $314.6  million  and  related  deferred  tax  assets  of  $66.1  million.    The
federal NOL carryforwards for tax years beginning after December 31, 2017 of $63.9 million and related deferred tax assets of
$13.4 million can be carried forward indefinitely.  The federal NOL carryforwards for the tax years prior to December 31, 2017
of $250.7 million and related deferred tax assets of $52.7 million expire in 2027 to 2035.

ETFL, a nonconsolidated subsidiary for federal income tax return purposes, estimates it has available NOL carryforwards as of
December 31, 2020 of $0.8 million and related deferred tax assets of $0.2 million.  ETFL’s federal NOL carryforwards are for the
tax years prior to December 31, 2017 and expire in 2021 to 2024.

We estimate that we have available state NOL carryforwards as of December 31, 2020 of $659.3 million and related deferred tax
assets of $14.7 million.  The state NOL carryforwards expire from 2021 to 2041. Management believes that it is more likely than
not that we will not be able to realize state NOL carryforwards of $83.5 million and related deferred tax asset of $5.4 million and
has  placed  a  valuation  allowance  on  this  amount.    The  related  NOL  carryforwards  expire  from  2021  to  2041.    If  or  when
recognized, the tax benefits related to any reversal of the valuation allowance will be accounted for as a reduction of income tax
expense.

We estimate that we have available state tax credit carryforwards as of December 31, 2020 of $6.3 million and related deferred
tax assets of $5.0 million. The state tax credit carryforwards are limited annually and expire from 2021 to 2030.

F-39

 
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

Management believes that it is more likely than not that we will not be able to realize state tax carryforwards of $2.2 million and
related  deferred  tax  asset  of  $1.7  million  and  has  placed  a  valuation  allowance  on  this  amount.    The  related  state  tax  credit
carryforwards  expire  from  2021  to  2030.    If  or  when  recognized,  the  tax  benefits  related  to  any  reversal  of  the  valuation
allowance will be accounted for as a reduction of income tax expense.

Unrecognized Tax Benefits

Under the accounting guidance applicable to uncertainty in income taxes, we have analyzed filing positions in all of the federal
and state jurisdictions where we are required to file income tax returns as well as all open tax years in these jurisdictions. Our
unrecognized  tax  benefits  as  of  December  31,  2020  and  2019  were  $4.9  million.  There  were  no  material  effects  on  the
Company’s  effective  tax  rate.  The  net  amount  of  unrecognized  benefits  that,  if  recognized,  would  result  in  an  impact  to  the
effective rate is $4.7 million for each of the years ended December 31, 2020 and 2019.

Our  practice  is  to  recognize  interest  and  penalties  related  to  income  tax  matters  in  interest  expense  and  selling,  general  and
administrative  expenses, respectively.   As of December  31, 2020 and 2019, we did not have a material  liability  for interest  or
penalties and had no material interest or penalty expense.

The periods subject to examination for our federal return are years 2017 through 2019.  The periods subject to examination for
our  state  returns  are  years  2016  through  2019.    In  addition,  prior  tax  years  may  be  subject  to  examination  by  federal  or  state
taxing  authorities  if  the  Company's  NOL  carryovers  from  those  prior  years  are  utilized  in  the  future.    We  are  currently  under
examination by state taxing authorities.  We do not expect any settlement or payment that may result from the examination to
have a material effect on our results or cash flows.

We  do  not  expect  that  the  total  unrecognized  tax  benefits  and  related  accrued  interest  will  significantly  change  due  to  the
settlement of audits or the expiration of statute of limitations in the next twelve months.  There were no material effects on the
Company’s effective tax rate.

13. COMMITMENTS AND CONTINGENCIES

We have certain other obligations for various contractual agreements to secure future rights to goods and services to be used in
the normal course of our operations. These include purchase commitments for planned capital expenditures, agreements securing
dedicated access and transport services, and service and support agreements.  

As of December 31, 2020, future minimum contractual obligations and the estimated timing and effect the obligations will have
on our liquidity and cash flows in future periods are as follows:

(in thousands)
Service and support agreements (1)
Transport and data connectivity
Capital expenditures (2)
Other operating agreements (3)

Total

2021
$ 16,574
8,359
  10,454
2,495
$ 37,882

2022
$ 14,262
7,044

$

2023
9,146
5,431

$

—  

—  

2,289
$ 23,595

2,225
$ 16,802

$

$

689
5,417

—  
611
6,717

$

$

337
178

—  
244
759

$

Total
$ 42,367
  26,632
—   10,454
8,539
$ 87,992

1,359
203

675
2,237

    Minimum Annual Contractual Obligations
2024

2025

     Thereafter     

(1)  We have entered into service and maintenance agreements to support various computer hardware and software applications

and certain equipment.

(2) We have binding commitments with numerous suppliers for future capital expenditures.
(3) We have entered into various non-cancelable rental agreements for certain facilities and equipment used in our operations.

F-40

    
    
    
    
    
    
 
 
 
 
 
 
 
 
 
Table of Contents

Litigation, Regulatory Proceedings and Other Contingencies

Gross Receipts Tax

Two  of  our  subsidiaries,  Consolidated  Communications  of  Pennsylvania  Company  LLC  (“CCPA”)  and  Consolidated
Communications  Enterprise  Services  Inc.  (“CCES”),  have,  at  various  times,  received  Assessment  Notices  and/or  Audit
Assessment Notices from the Commonwealth of Pennsylvania Department of Revenue (“DOR”) increasing the amounts owed for
the Pennsylvania Gross Receipts Tax, and have had audits performed for the tax years 2008 through 2016.  For our CCES and
CCPA  subsidiaries,  the  total  additional  tax  liabilities  calculated  by  the  DOR  auditors  for  the  tax  years  2008  through  2016,
including interest, are approximately $6.1 million and $7.4 million, respectively.  We filed Petitions for Reassessment with the
DOR’s Board of Appeals for the tax years 2008 through 2016, contesting these audit assessments.  These cases remain pending
and are in various stages of appeal.

In May 2017, we entered into an agreement to guarantee any potential liabilities to the DOR up to $5.0 million.  We believe that
certain of the DOR’s findings regarding CCPA’s and CCES’s additional tax liabilities for the tax years 2008 through 2016, for
which we have filed appeals, continue to lack merit.  However, in 2019, CCES and CCPA finalized a settlement of the intrastate
and interstate tax liabilities for the 2008 through 2013 tax years, except for the 2010 CCPA appeals, bringing the appeals to a
conclusion.  The settlement resulted in a payment from us to the DOR of $2.1 million, which the Company previously reserved
for. Based on the initial settlement offers for the tax years 2008 through 2013 and the Company’s best estimate of the potential
additional  tax  liabilities  for  the  tax  years  2010  (CCPA)  and  2014  through  2018  (CCPA  and  CCES),  we  have  reserved  $1.5
million and $0.7 million, including interest, for our CCES and CCPA subsidiaries, respectively.  We expect the filings for the tax
years 2014 through 2018 to be settled at a later date similar to the initial settlement.  While we continue to believe a settlement of
all remaining disputed claims is possible, we cannot anticipate at this time what the ultimate resolution of these cases will be, nor
can we evaluate the likelihood of a favorable or unfavorable outcome or the potential losses (or gains) should such an outcome
occur. We do not believe that the outcome of these claims will have a material adverse impact on our financial results or cash
flows.

From time to time we may be involved in litigation that we believe is of the type common to companies in our industry, including
regulatory issues.  While the outcome of these claims cannot be predicted with certainty, we do not believe that the outcome of
any of these legal matters will have a material adverse impact on our business, results of operations, financial condition or cash
flows.

14. RELATED PARTY TRANSACTIONS

Richard  A.  Lumpkin,  who  was  a  member  of  our  Board  of  Directors  until  April  4,  2019,  had  related  party  transactions.    The
following speaks to the related party transactions involving Mr. Lumpkin through April 4, 2019.  As of December 31, 2020, there
were no other significant related party transactions.

Finance Leases

Mr. Lumpkin, together with his family, beneficially owned 37.0%of Agracel, Inc. (“Agracel”), a real estate investment company,
at April 4, 2019 and December 31, 2018.  Mr. Lumpkin was also a director of Agracel.  Agracel was the sole managing member
and  50%  owner  of  LATEL  LLC  (“LATEL”).    Mr.  Lumpkin  and  his  immediate  family  had  a  68.5%  beneficial  ownership  of
LATEL at April 4, 2019 and December 31, 2018.

We  had  three  finance  lease  agreements  with  LATEL  for  the  occupancy  of  three  buildings  on  a  triple  net  lease  basis.    In
accordance  with  the  Company’s  related  person  transactions  policy,  these  leases  were  approved  by  our  Audit  Committee  and
Board of Directors (“BOD”).  We accounted for these leases as finance leases in accordance with ASC 842, Leases.  The finance
lease agreements require us to pay substantially all expenses associated with general maintenance and repair, utilities, insurance
and taxes.  One of the lease agreements was terminated on October 31, 2019 while the remaining two lease agreements have a
maturity date of May 31, 2021 each with two five-year options to extend the term of the lease after the initial expiration date.  We
were  required  to  pay  LATEL  approximately  $7.9  million  over  the  initial  terms  of  the  lease  agreements.    We  recognized  $0.1
million through April 4, 2019 and $0.3 million in 2018 in interest expense.  We also recognized $0.1 million in 2019 through
April 4, 2019 and $0.4 million in 2018 in amortization expense related to the finance leases.

F-41

Table of Contents

Long-Term Debt

A  trust,  for  which  Mr.  Lumpkin  was  the  beneficiary  of,  owned  $5.0  million  of  the  2022  Senior  Notes.  We  recognized
approximately $0.1 million through April 4, 2019 and $0.3 million in 2018 in interest expense for the 2022 Senior Notes owned
by the related party.

Other Services

Mr. Lumpkin also had a minority ownership interest in First Mid Bank & Trust (“First Mid”). We provided telecommunications
products and services to First Mid and in return received approximately $0.2 million through April 4, 2019 and $0.9 million in
2018 for these services.

15. QUARTERLY FINANCIAL INFORMATION (UNAUDITED)

2020

Net revenues
Operating income
Net income (loss) attributable to common stockholders
Basic and diluted earnings (loss) per share

2019

Net revenues
Operating income
Net loss attributable to common stockholders
Basic and diluted loss per share

     March 31,

June 30,

     September 30,      December 31,  

Quarter Ended

$ 325,662
37,352
$
15,547
$
0.22
$

(In thousands, except per share amounts)
$
$
$
$
$
$
$
$

$ 325,176
39,780
$
13,840
$
0.19
$

327,066
37,352
14,510
0.20

326,124
21,029
(6,920)
(0.09)

     March 31,

June 30,

     September 30,      December 31,  

Quarter Ended

$ 338,649
16,720
$
(7,265)
$
(0.11)
$

(In thousands, except per share amounts)
$
$
$
$
$
$
— $
$

$ 333,532
14,300
$
(7,387)
$
(0.10)
$

333,326
23,542
257

331,035
26,719
(5,988)
(0.08)

In  connection  with  the  Investment  Agreement  entered  into  with  Searchlight  in  October  2020  as  discussed  in  Note  4,  we
recognized transaction costs of $7.6 million during the quarter ended December 31, 2020 associated with the CPRs issued as part
of the transaction. We also incurred additional interest expense of $7.9 million on the Note issued to Searchlight in the fourth
quarter of 2020.

During the quarter ended December 31,2020, we recognized a gain of $23.8 million on the decline in the fair value of contingent
payment rights issued to Searchlight as part of the Investment Agreement.

We incurred a loss on the extinguishment of debt of $18.5 million in connection with the refinancing of our credit agreement and
redemption of our 2022 Senior Notes during the quarter ended December 31, 2020. We recognized a gain on extinguishment of
debt  from  the  partial  repurchase  of  our  2022  Senior  Notes  of  $0.2  million  during  the  quarter  ended  March  31,  2020  and  $0.3
million, $1.1 million and $3.1 million during the quarters ended June 30, 2019, September 30, 2019, and December 31, 2019,
respectively.

As  part  of  continued  cost  saving  initiatives,  we  incurred  severance  costs  of  $7.5  million  and  $8.7  million  during  the  quarters
ended December 31, 2020 and 2019, respectively.  

During the quarter ended December 31, 2019, we purchased a group annuity contract to transfer the pension benefit obligations
and annuity administration for a select group of retirees or their beneficiaries to an annuity provider.  As a result of the transfer of
the pension liability to the annuity provider and other lump sum payments to participants of the Pension Plans, we recognized a
non-cash pension settlement charge of $6.7 million during the quarter ended December 31, 2019.

F-42

    
    
SUBSIDIARIES OF THE COMPANY

Exhibit 21

The  following  is  a  list  of  subsidiaries  of  the  Company,  omitting  subsidiaries  which,  considered  in  the  aggregate,  would  not
constitute  a  significant  subsidiary.  Unless  otherwise  noted,  all  subsidiaries  are  100%  owned  (directly  or  indirectly)  by
Consolidated Communications Holdings, Inc.

Name
 Berkshire Cable Corp.
Berkshire Cellular, Inc.
Berkshire New York Access, Inc.
Berkshire Telephone Corporation
C&E Communications, Ltd.
Chautauqua & Erie Communications, Inc.
Chautauqua and Erie Telephone Corporation
Consolidated Communications of Comerco Company
Consolidated Communications Enterprise Services, Inc.
Consolidated Communications Finance III Co.
Consolidated Communications of California Company
Consolidated Communications of Central Illinois Company
Consolidated Communications of Colorado Company
Consolidated Communications of Florida Company
Consolidated Communications of Illinois Company
Consolidated Communications of Kansas Company
Consolidated Communications of Maine Company
Consolidated Communications of Minnesota Company
Consolidated Communications of Missouri Company
Consolidated Communications of New York Company, LLC
Consolidated Communications of Northern New England Company, LLC
Consolidated Communications of Northland Company
Consolidated Communications of Ohio Company, LLC
Consolidated Communications of Oklahoma Company
Consolidated Communications of Pennsylvania Company, LLC
Consolidated Communications of Texas Company
Consolidated Communications of Vermont Company, LLC
Consolidated Communications of Washington Company, LLC
Consolidated Communications, Inc.
FairPoint Business Services LLC
St. Joe Communications, Inc.
Taconic Technology Corp.
Taconic Telcom Corp.
Taconic Telephone Corp.

1

State of Incorporation

New York
New York
New York
New York
New York
New York
New York
Washington
Delaware
Delaware
California
Illinois
Delaware
Florida
Illinois
Kansas
Maine
Minnesota
Missouri
Delaware
Delaware
Delaware
Delaware
Oklahoma
Delaware
Texas
Delaware
Delaware
Illinois
Delaware
Florida
New York
New York
New York

Exhibit 23.1

Consent of Independent Registered Public Accounting Firm

We consent to the incorporation by reference in the following Registration Statements:

(i)

(ii)

(iii)

(iv)

(v)

(vi)

Registration Statement (Form S-8 No. 333-135440) pertaining to the Consolidated Communications, Inc. 401(k)
Plan and Consolidated Communications 401(k) Plan for Texas Bargaining Associates,

Registration Statement (Form S-8 No. 333-128934) pertaining to the Consolidated Communications Holdings, Inc.
2005 Long-Term Incentive Plan,

Registration Statement (Form S-8 No. 333-166757) pertaining to the Consolidated Communications, Inc. 2005
Long-Term Incentive Plan,

Registration Statement (Form S-8 No. 333-182597) pertaining to the SureWest Communications Employee Stock
Ownership Plan of Consolidated Communications Holdings, Inc.,

Registration Statement (Form S-8 to Form S-4/A No. 333-198000) pertaining to the Hickory Tech Corporation
1993 Stock Award Plan,

Registration Statement (Form S-8 No. 333-203974) pertaining to the Consolidated Communications Holdings, Inc.
2005 Long-Term Incentive Plan, and

(vii)

Registration Statement (Form S-8 No. 333-228199) pertaining to the Consolidated Communications Holdings, Inc.
2005 Long-Term Incentive Plan;

of  our  reports  dated  February  26, 2021,  with  respect  to  the  consolidated  financial  statements  of  Consolidated  Communications
Holdings, Inc. and subsidiaries and the effectiveness of internal control over financial reporting of Consolidated Communications
Holdings, Inc. and subsidiaries included in this Annual Report (Form 10-K) of Consolidated Communications Holdings, Inc. and
subsidiaries for the year ended December 31, 2020.

/s/ Ernst & Young LLP

St. Louis, Missouri
February 26, 2021

EXHIBIT 31.1

I, C. Robert Udell Jr., certify that:

CHIEF EXECUTIVE OFFICER CERTIFICATION

1.

I have reviewed this annual report on Form 10-K of Consolidated Communications Holdings, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading
with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all
material  respects  the  financial  condition,  results  of  operations  and  cash  flows  of  the  registrant  as  of,  and  for,  the  periods
presented in this report;

4. The  registrant’s  other  certifying  officer  and  I  are  responsible  for  establishing  and  maintaining  disclosure  controls  and
procedures  (as  defined  in  Exchange  Act  Rules  13a-15(e)  and  15d-15(e))  and  internal  control  over  financial  reporting  (as
defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be  designed
under  our  supervision,  to  ensure  that  material  information  relating  to  the  registrant,  including  its  consolidated
subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is
being prepared;

(b) Designed  such  internal  control  over  financial  reporting,  or  caused  such  internal  control  over  financial  reporting  to  be
designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the
preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c) Evaluated  the  effectiveness  of  the  registrant’s  disclosure  controls  and  procedures  and  presented  in  this  report  our
conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this
report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the
registrant’s  most  recent  fiscal  quarter  (the  registrant’s  fourth  fiscal  quarter  in  the  case  of  an  annual  report)  that  has
materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting;
and

5. The  registrant’s  other  certifying  officer  and  I  have  disclosed,  based  on our  most  recent  evaluation  of  internal  control  over
financial  reporting,  to  the  registrant’s  auditors  and  the  audit  committee  of  the  registrant’s  board  of  directors  (or  persons
performing the equivalent functions):

(a) All  significant  deficiencies  and  material  weaknesses  in  the  design  or  operation  of  internal  control  over  financial
reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report
financial information; and

(b) Any  fraud,  whether  or  not  material,  that  involves  management  or  other  employees  who  have  a  significant  role  in  the

registrant’s internal control over financial reporting.

February 26, 2021

/s/ C. Robert Udell Jr.
C. Robert Udell Jr.
President and Chief Executive Officer
(Principal Executive Officer)

EXHIBIT 31.2

I, Steven L. Childers, certify that:

CHIEF FINANCIAL OFFICER CERTIFICATION

1.

I have reviewed this annual report on Form 10-K of Consolidated Communications Holdings, Inc.;

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact
necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading
with respect to the period covered by this report;

3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all
material  respects  the  financial  condition,  results  of  operations  and  cash  flows  of  the  registrant  as  of,  and  for,  the  periods
presented in this report;

4. The  registrant’s  other  certifying  officer  and  I  are  responsible  for  establishing  and  maintaining  disclosure  controls  and
procedures  (as  defined  in  Exchange  Act  Rules  13a-15(e)  and  15d-15(e))  and  internal  control  over  financial  reporting  (as
defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

(a) Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be  designed
under  our  supervision,  to  ensure  that  material  information  relating  to  the  registrant,  including  its  consolidated
subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is
being prepared;

(b) Designed  such  internal  control  over  financial  reporting,  or  caused  such  internal  control  over  financial  reporting  to  be
designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the
preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

(c) Evaluated  the  effectiveness  of  the  registrant’s  disclosure  controls  and  procedures  and  presented  in  this  report  our
conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this
report based on such evaluation; and

(d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the
registrant’s  most  recent  fiscal  quarter  (the  registrant’s  fourth  fiscal  quarter  in  the  case  of  an  annual  report)  that  has
materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting;
and

5. The  registrant’s  other  certifying  officer  and  I  have  disclosed,  based  on our  most  recent  evaluation  of  internal  control  over
financial  reporting,  to  the  registrant’s  auditors  and  the  audit  committee  of  the  registrant’s  board  of  directors  (or  persons
performing the equivalent functions):

(a) All  significant  deficiencies  and  material  weaknesses  in  the  design  or  operation  of  internal  control  over  financial
reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report
financial information; and

(b) Any  fraud,  whether  or  not  material,  that  involves  management  or  other  employees  who  have  a  significant  role  in  the

registrant’s internal control over financial reporting.

February 26, 2021

/s/ Steven L. Childers
Steven L. Childers
Chief Financial Officer
(Principal Financial Officer and Chief Accounting Officer)

CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO SECTION 906
OF THE SARBANES-OXLEY ACT OF 2002

EXHIBIT 32.1

Pursuant  to  18  U.S.C.  Section  1350,  as  adopted  pursuant  to  Section  906  of  the  Sarbanes-Oxley  Act  of  2002
(“Section 906”), C. Robert Udell Jr. and Steven L. Childers, President and Chief Executive Officer and Chief Financial Officer,
respectively,  of  Consolidated  Communications  Holdings,  Inc.,  each  certify  that  to  his  knowledge  (i)  the  Annual  Report  on
Form 10-K for the fiscal year ended December 31, 2020 fully complies with the requirements of Section 13(a) or 15(d) of the
Securities  Exchange  Act  of  1934,  and  (ii)  the  information  contained  in  such  report  fairly  presents,  in  all  material  respects,  the
financial condition and results of operations of Consolidated Communications Holdings, Inc.

/s/ C. Robert Udell Jr.
C. Robert Udell Jr.
President and Chief Executive Officer
(Principal Executive Officer)
February 26, 2021

/s/ Steven L. Childers
Steven L. Childers
Chief Financial Officer 
(Principal Financial Officer and Chief Accounting Officer)
February 26, 2021

SHAREHOLDER INFORMATION 

STOCK MARKET
NASDAQ: CNSL

TRANSFER AGENT
Please direct all account inquiries 
regarding your stock ownership to 
our transfer agent:

Computershare Trust Company, N.A.
P.O. Box 505000
Louisville, KY 40233
www.computershare.com
800.446.2617

MANAGEMENT
C. Robert Udell, Jr.
President, Chief Executive 
Officer and Director
Steven Childers
Chief Financial Officer 
John Lunny
Chief Information Officer
Michael Smith
Chief Revenue Officer
Garrett Van Osdell
Chief Legal Officer & Corporate Secretary
Gabe Waggoner
Executive Vice President 
Operations
Tom White
Chief Technology Officer

CORPORATE 
HEADQUARTERS
Consolidated Communications
121 S. 17th Street
Mattoon, IL 61938
www.consolidated.com

INVESTOR RELATIONS
Investor information and SEC filings 
are available on our website at 
ir.consolidated.com.

BOARD OF DIRECTORS
Robert J. Currey
Chairman
Thomas A. Gerke
Director
Roger H. Moore
Director
Dale E. Parker
Director
Maribeth S. Rahe
Director
Timothy D. Taron
Director
C. Robert Udell, Jr.
President, CEO and Director
Wayne L. Wilson
Director

L E G E N D

National Core
Network

        Data Centers

Fiber Hubs

Coverage: 23 States

Operating 
States

Fiber Route
Miles: 46,600

NASDAQ: CNSL
www.consolidated.com 
121 S. 17th Street
Mattoon, Illinois 61938