2
This presentation as well as other written or oral communications made from time to time by us, may contain certain forward-looking
information within the meaning of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended. These
statements relate to future events or future predictions, including events or predictions relating to our future financial performance, and
are generally identifiable by the use of forward-looking terminology such as “believes,” “expects,” “may,” “will,” “should,” “plan,” “intend,”
“target,” or “anticipates” or the negative thereof or comparable terminology, or by discussion of strategy or goals or other future events,
circumstances or effects. These forward-looking statements regarding future events and circumstances involve known and unknown
risks, uncertainties and other factors that may cause our actual results, levels of activity, financial condition, performance or
achievements to be materially different from any future results, levels of activity, financial condition, performance or achievements
expressed or implied by such forward-looking statements. This information is based on various assumptions, estimates or judgments by
us that may not prove to be correct.
Important factors to consider and evaluate in such forward-looking statements include:
· changes in competitive and market factors that might affect our results of operations;
· changes in laws and regulations, including without limitation changes in capital requirements under the Basel III capital
proposals;
· changes in our business strategy or an inability to execute our strategy due to the occurrence of unanticipated events;
· our ability to identify potential candidates for, and consummate, acquisition or investment transactions;
· the timing of acquisition or investment transactions;
· our failure to complete any or all of the transactions described herein on the terms currently contemplated;
· local, regional and national economic conditions and events and the impact they may have on us and our customers;
· targeted or estimated returns on assets and equity, growth rates and future asset levels
· our ability to attract deposits and other sources of liquidity and capital;
· changes in the financial performance and/or condition of our borrowers;
· changes in the level of non-performing and classified assets and charge-offs;
· changes in estimates of future loan loss reserve requirements based upon the periodic review thereof under relevant regulatory
and accounting requirements, as well as changes in borrowers payment behavior and creditworthiness;
· changes in our capital structure resulting from future capital offerings or acquisitions;
· inflation, interest rate, securities market and monetary fluctuations;
· the affects on our mortgage warehouse lending and retail mortgage businesses of changes in the mortgage origination
markets, including changes due to changes in monetary policies, interest rates and the regulation of mortgage originators, services
and securitizers;
Forward Looking Statements