SAFE HARBOR STATEMENT UNDER THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995  Forward-Looking Statements  This document (including information incorporated by reference) contains, and future oral and written statements  by us and our management may contain, forward-looking statements, within the meaning of such term in the Private  Securities Litigation Reform Act of 1995, with respect to our financial condition, results of operations, plans, objectives,  future performance and business. Forward-looking statements, which may be based upon beliefs, expectations and  assumptions of our management and on information currently available to management, are generally identifiable by the use  of words such as “believe,” “expect,” “anticipate,” “plan,” “intend,” “estimate,” “may,” “will,” “would,” “could,” “should”  or other similar expressions. Additionally, all statements in this document, including forward-looking statements, speak  only as of the date they are made, and we undertake no obligation to update any statement in light of new information or  future events.  Our ability to predict results or the actual effect of future plans or strategies is inherently uncertain. Factors which  could have a material adverse effect on operations and future prospects by us and our subsidiaries include, but are not  limited to, the following:  These risks and uncertainties should be considered in evaluating forward-looking statements and undue reliance  should not be placed on such statements. Additional information concerning us and our business, including other factors  that could materially affect our financial results is included in the “Risk Factors” section.  • The effects of declines in real estate markets.  • Our ability to raise additional capital if needed.  • The effects of declines in the value of our investment portfolio.  • Our ability to forecast probable loan losses and maintain an adequate allowance for loan losses.  • Our ability to effectively manage our credit risk.  • The economic impact of past and any future terrorist attacks, acts of war or threats thereof, and the response of the  United States to any such threats and attacks.  • Changes in accounting policies and practices, as may be adopted by state and federal regulatory agencies and the  FASB.  • The costs, effects and outcomes of existing or future litigation.  • Our ability to successfully integrate acquired businesses and future growth.  • Consumer spending and saving habits which may change in a manner that affects our business adversely.  • Our ability to retain key executives and employees and the difficulty that we may experience in replacing key  executives and employees in an effective manner.  • Our ability to develop and maintain secure and reliable electronic systems.  • Technological changes implemented by us and by other parties, including third party vendors, which may be more  difficult or more expensive than anticipated or which may have unforeseen consequences to us and our customers.  • The timely development and acceptance of products and services, including products and services offered through  alternative delivery channels such as the Internet.  • Our inability to obtain new customers and to retain existing customers.  • Our ability to compete with other financial institutions as effectively as we currently do due to increases in  competitive pressures in the financial services sector. • The effects of changes in interest rates (including the effects of changes in the rate of prepayments of our assets)  and the policies of the Board of Governors of the Federal Reserve System. • The effects of, and changes in, federal, state and local laws, regulations and policies affecting banking, securities,  insurance and monetary and financial matters, including the Dodd-Frank Act and the rules and regulations  promulgated thereunder, and the effects of further increases in FDIC premiums.  • The strength of the United States economy in general and the strength of the local economies in which we conduct  our operations which may be less favorable than expected and may result in, among other things, a deterioration in  the credit quality and value of our assets.  61 