Forward-Looking Statements

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This presentation includes forward-looking statements, including statements about future results.  These statements
are subject to uncertainties and risks, including but not limited to legislative or regulatory changes, including the Dodd-
Frank Act; the strength of the United States economy in general and the strength of the local economies in which we
conduct operations; the accuracy of our financial statement estimates and assumptions, including the estimate for our
loan loss provision; the frequency and magnitude of foreclosure of our loans; our customers’ willingness to make timely
payments on their loans; our ability to comply with the terms of the loss sharing agreements with the FDIC; our ability
to integrate the business and operations of companies and banks that we have acquired, and those we may acquire in
the future; the effects of the health and soundness of other financial institutions, including the FDIC’s need to increase
Deposit Insurance Fund assessments; the failure to achieve expected gains, revenue growth, and/or expense savings
from future acquisitions; our ability to declare and pay dividends; changes in the securities and real estate markets
changes in monetary and fiscal policies of the U.S. Government; inflation, interest rate, market and monetary
fluctuations; the effects of our lack of a diversified loan portfolio, including the risks of geographic and industry
concentrations; our need and our ability to incur additional debt or equity financing; the effects of harsh weather
conditions, including hurricanes, and man-made disasters; our ability to comply with the extensive laws and regulations
to which we are subject; the willingness of clients to accept third-party products and services rather than our products
and services and vice versa; increased competition and its effect on pricing, including the impact on our non interest
margin from the repeal of Regulation Q; technological changes; negative publicity and the impact on our reputation; the
effects of security breaches and computer viruses that may affect our computer systems; changes in consumer
spending and saving habits; growth and profitability of our noninterest income; changes in accounting principles,
policies, practices or guidelines; the limited trading activity of our common stock; the concentration of ownership of our
common stock; anti-takeover provisions under federal and state law as well as our Articles of Incorporation and our
Bylaws; other risks described from time to time in our filings with the Securities and Exchange Commission; and our
ability to manage the risks involved in the foregoing. These factors, as well as additional factors, can be found in our
periodic and other filings with the SEC, which are available at the SEC’s internet site (http://www.sec.gov).  Actual
results may differ materially from projections and could be affected by a variety of factors, including factors beyond our
control.  Forward-looking statements in this presentation speak only as of the date of these materials, and we assume
no obligation to update forward-looking statements or the reasons why actual results could differ.