As our organization grows, we are able to provide greater value to the communities around us. Supporting organizations and initiatives that better the lives of our associates and clients is a priority. At our core, we truly believe that by taking care of the communities we serve, we can make a significant difference. We have continued to be recognized by United Way in Acadiana and North Louisiana as top givers, which is defined by corporate giving, associate contributions and exceptional campaigns. This year, we were also recognized by the United Way of New Orleans for an 18% increase in contributions to the 2002 campaign.  A mission statement is designed to provide guidance to associates, management, Board of Directors, clients, communities served and shareholders regarding the sense of purpose and direction of the Company. We are very client focused, conservative in our business practices, expect high performance from our associates, and believe the communities in which we serve are critical to the well being of our company. In the year 2002, we are particularly proud of our work with Southern Mutual Help Association (“SMHA”), which helps low-wealth families in underserved communities increase assets and build wealth. The Federal Home Loan Bank in Dallas presented the Spotlight Award for Louisiana to SMHA, IBERIABANK and three other banks for being steadfast partners in making affordable home ownership available to our community markets in need. SMHA also received a $200,000 capital grant from IBERIABANK that was matched with a $400,000 grant from the Community Development Fund of the U.S. Department of Treasury. Across the state, we are also pleased to be associated with the Adopt-A-School programs. Our involvement gives us an opportunity to work hands on with students and teachers through a successful program that has proven to better our educational system. Much like an oak tree, the larger we grow, the further our reach. We recognize the importance of nurturing our environment and look forward to continuing to provide financial support and hours of service in all markets. Statements contained in this report which are not historical facts and which pertain to future operating results of IBERIABANK Corporation and its subsidiaries constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve significant risks and uncertainties. Actual results may differ materially from the results discussed in these forward-looking statements. A discussion of factors affecting IBERIABANK Corporation’s business and prospects is contained in the Company’s periodic filings with the Securities and Exchange Commission. FORWARD-LOOKING INFORMATION SAFE HARBOR STATEMENT OUR MISSION STATEMENT TAKING CARE OF OUR COMMUNITIES 14 St. John’s Cathedral Oak, Lafayet te mission statement Provide exceptional value-based client service Great place to work Growth that is consistent with high performance Shareholder focused Strong sense of community