Forward-Looking Statements SPECIAL CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS  Various of the statements made herein under the captions “Management’s Discussion and Analysis of Financial  Condition and Results of Operations”, “Quantitative and Qualitative Disclosures about Market Risk”, “Risk Factors” and  elsewhere, are “forward-looking statements” within the meaning and protections of Section 27A of the Securities Act of 1933  and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”).  Forward-looking statements include statements with respect to our beliefs, plans, objectives, goals, expectations,  anticipations, assumptions, estimates, intentions and future performance, and involve known and unknown risks,  uncertainties and other factors, which may be beyond our control, and which may cause the actual results, performance or  achievements of the Company to be materially different from future results, performance or achievements expressed or  implied by such forward-looking statements. You should not expect us to update any forward-looking statements.  All statements other than statements of historical fact are statements that could be forward-looking statements. You can  identify these forward-looking statements through our use of words such as “may,” “will,” “anticipate,” “assume,” “should,”  “indicate,” “would,” “believe,” “contemplate,” “expect,” “estimate,” “continue,” “further,” “plan,” “point to,” “project,”  “could,” “intend,” “target” and other similar words and expressions of the future. These forward-looking statements may not  be realized due to a variety of factors, including, without limitation, (i) the effects of future economic, business and market  conditions and changes, domestic and foreign, including seasonality; (ii) governmental monetary and fiscal policies; (iii)legislative and regulatory changes, including changes in banking, securities and tax laws, regulations and rules and their  application by our regulators, including capital and liquidity requirements, and changes in the scope and cost of FDIC  insurance and other coverage; (iv) changes in accounting policies, rules and practices; (v) the risks of changes in interest rates  on the levels, composition and costs of deposits, loan demand, and the values and liquidity of loan collateral, securities, and  interest sensitive assets and liabilities, and the risks and uncertainty of the amounts realizable and the timing of dispositions  of assets by the FDIC where we may have a participation or other interest; (vi) changes in borrower credit risks and payment  behaviors; (vii) changes in the availability and cost of credit and capital in the financial markets, and the types of instruments  that may be included as capital for regulatory purposes; (viii) changes in the prices, values and sales volumes of residential and commercial real estate; (ix) the effects of competition from a wide variety of local, regional, national and other providers  of financial, investment and insurance services; (x) the failure of assumptions and estimates underlying the establishment of reserves for possible loan losses and other estimates; (xi) the risks of mergers, acquisitions and divestitures, including,  without limitation, the related time and costs of implementing such transactions, integrating operations as part of these  transactions and possible failures to achieve expected gains, revenue growth and/or expense savings from such transactions;  (xii) changes in technology or products that may be more difficult, costly, or less effective than anticipated; (xiii) the effects  of war or other conflicts, acts of terrorism or other catastrophic events that may affect general economic conditions; (xiv) the failure of assumptions and estimates, as well as differences in, and changes to, economic, market and credit conditions,  including changes in borrowers’ credit risks and payment behaviors from those used in our loan portfolio stress test; (xv) the risks that our deferred tax assets could be reduced if estimates of future taxable income from our operations and tax planning  strategies are less than currently estimated, and sales of our capital stock could trigger a reduction in the amount of net  operating loss carry-forwards that we may be able to utilize for income tax purposes; and (xvi) other factors and risks  described under “Risk Factors” herein and in any of our subsequent reports that we make with the Securities and Exchange  Commission (the “Commission” or “SEC”) under the Exchange Act.  All written or oral forward-looking statements that are made by us or are attributable to us are expressly qualified in  their entirety by this cautionary notice. We have no obligation and do not undertake to update, revise or correct any of the  forward-looking statements after the date of this report, or after the respective dates on which such statements otherwise are  made. A more detailed description of these and other risks is contained in the Company’s 2010 Annual Report on Form 10-K and in any of our subsequent reports that we make with the Securities and Exchange Commission (the “Commission” or  “SEC”) under the Exchange Act. page 1