Forward Looking Statements Disclosure

Any non-historical statements in this press release are “forward-looking statements” within the meaning of the Private Securities
Litigation Reform Act of 1995.  Such forward-looking statements are based on current plans and expectations that are subject to
uncertainties and risks, which could cause 1st United’s future results to differ materially.  The following factors, among others, could
cause our actual results to differ: the satisfaction of closing conditions for the acquisition, including receipt of regulatory approvals
for the transaction; receipt of approval by the shareholders of Anderen for the transaction, and the possibility that the transaction will
not be completed, or if completed, will not be completed on a timely basis; disruption to the parties’ businesses as a result of the
announcement and pendency of the transaction; our need and our ability to incur additional debt or equity financing; our ability to
comply with the terms of the loss sharing agreements with the FDIC; 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 of our loan loss provision; the effects of harsh weather conditions, including hurricanes, and man-made
disasters; 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; the frequency and magnitude of foreclosure of our loans; legislative and
regulatory changes, including the Dodd-Frank Act; 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;
changes in securities and real estate markets; increased competition and its effect on pricing, including the impact on our noninterest
margin from the repeal of Regulation Q; negative publicity and the impact on our reputation; technological changes; changes in
monetary and fiscal policies of the U.S. Government; the effects of security breaches and computer viruses that may affect our
computer systems; changes in consumer spending and saving habits; changes in accounting principles, policies, practices or
guidelines; anti-takeover provisions under federal and state law as well as our Articles of Incorporation and our Bylaws; and our
ability to manage the risks involved in the foregoing.  In addition, if and when the transaction is consummated, there will be risks and
uncertainties related to 1st United’s ability to successfully integrate the business and employees of 1st United and Anderen, including
the failure to achieve expected gains, revenue growth, and/or expense savings.  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) or on
request from 1st United or Anderen. 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 press release speak only as of the date of the press
release, and neither 1st United nor Anderen assumes any obligation to update forward-looking statements or the reasons why actual
results could differ.

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