The foregoing contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such
statements are not historical facts and include expressions about management's confidence and strategies and management's current views
and expectations about new and existing programs and products, relationships, opportunities, taxation, technology and market conditions.
These statements may be identified by such forward-looking terminology as "expect," "look," "believe," "anticipate," "may," "will," “should”,
“projects” or similar statements or variations of such terms. Actual results may differ materially from such forward-looking statements, and
no undue reliance should be placed on any forward-looking statement.
Factors that may cause results to differ materially from such forward-looking statements include, but are not limited to, unanticipated
changes in the financial markets and the direction of interest rates; volatility in earnings due to certain financial assets and liabilities held at
fair value; passage by Congress of a law which unilaterally amends the terms of the Treasury’s preferred stock investment in the Company in
a way that adversely affects the Company; stronger competition from banks, other financial institutions and other companies; changes in
loan, investment and mortgage prepayment assumptions; insufficient allowance for credit losses; a higher level of net loan charge-offs and
delinquencies than anticipated; material adverse changes in the Company’s operations or earnings; a decline in the economy in Community
Partners’ primary market areas; changes in relationships with major customers; changes in effective income tax rates; higher or lower cash
flow levels than anticipated; inability to hire or retain qualified employees; a decline in the levels of deposits or loss of alternate funding
sources; a decrease in loan origination volume; changes in laws and regulations, including issues related to compliance with anti-money
laundering and the bank secrecy act laws; adoption, interpretation and implementation of new or pre-existing accounting pronouncements;
operational risks, including the risk of fraud by employees or outsiders; and the inability to successfully implement new lines of business or
new products and services.
The above-listed risk factors are not necessarily exhaustive, particularly as to possible future events, and new risk factors may emerge from
time to time. Certain events may occur that could cause the Company’s actual results to be materially different than those described in the
Company’s periodic filings with the Securities and Exchange Commission (“SEC”). For a list of other factors which could affect the
Company’s results, including earnings estimates, see the Company’s filings with the SEC, including “Item 2. Management’s Discussion and
Analysis of Financial Condition and Results of Operations,” including “Forward-Looking Statements,” set forth in the Company’s Quarterly
Report on Form 10-Q for the quarter ended September 30, 2011. Any statements made by the Company that are not historical facts should be
considered to be forward-looking statements. The statements in this investor presentation are made as of the date of this investor
presentation, even if subsequently made available by the Company on its website or otherwise. No undue reliance should be placed on any
forward-looking statements. The Company is not obligated to update and does not undertake to update any of its forward-looking
statements made herein.
2
Forward-Looking Statements
