Forward-Looking Statements (continued) The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations express in the forward-looking statements: 3 general economic conditions, either nationally or in our market areas, that are worse than expected; changes in prevailing real estate values and loan demand, both nationally and within our current and future market area; inflation and changes in the interest rate environment that reduce our margins or reduce the fair value of financial instruments; increased competitive pressures among financial services companies; changes in consumer spending, borrowing and savings habits; the amount of assessments and premiums we are required to pay for FDIC deposit insurance; legislative or regulatory changes that affect our business, including the Dodd-Frank Act and its impact on our compliance costs or capital requirements; changes in accounting policies and practices, as may be adopted by the bank regulatory agencies, the financial Accounting Standards Board, the Securities and Exchange Commission and Public Company Accounting Oversight Board; our ability to successfully manage our commercial lending; our ability to enter new markets successfully and capitalize on growth opportunities; our ability to successfully integrate acquired entities; changes in our organization, compensation and benefit plans; changes in the financial condition, results of operations or future prospects of issuers or securities that we own; the financial health of certain entities, including government sponsored enterprises, the securities of which are owned or acquired by us; adverse changes in the securities market; the costs, effects and outcomes of existing or future litigation; 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 threat and attacks; the success of our mortgage warehouse lending program, including the impact of the Dodd-Frank Act on the mortgage companies; and our ability to manage the risks associated with the foregoing factors as well as the anticipated factors. This list of important factors in not all inclusive. For a discussion of these and other risks that may cause actual results to differ from expectations, please refer to the Company’s Prospectus dated August 10, 2012 on file with the SEC. Readers are cautioned not to place undue reliance on the forward-looking statements contained herein, which speak only as of the date of the Presentation. Except as required by applicable law or regulation, we do not undertake, and specifically disclaim any obligation, to update any forward-looking statements, whether written or oral, that may be made from time to time by or on behalf of the Company or The LaPorte Savings Bank. | 
