3
Safe Harbor Regarding
Forward Looking Statements
This presentation contains forward-looking information about National Penn Bancshares, Inc. that is
intended to be covered by the safe harbor for forward-looking statements provided by the Private
Securities Litigation Reform Act of 1995. Forward-looking statements are statements that are not
historical facts. These statements can be identified by the use of forward-looking terminology such as
“believe,” “expect,” “may,” “will,” “should,’’ “project,” “plan,’’ “seek,” “intend,’’ or “anticipate’’ or the
negative thereof or comparable terminology, and include discussions of strategy, financial projections
and estimates and their underlying assumptions, statements regarding plans, objectives, expectations
or consequences of announced transactions, and statements about the future performance, operations,
products and services of National Penn and its subsidiaries. National Penn cautions readers not to
place undue reliance on these statements.
National Penn’s business and operations are subject to a variety of risks, uncertainties and other
factors. Consequently, actual results and experience may materially differ from those contained in any
forward-looking statements. Such risks, uncertainties and other factors that could cause actual results
and experience to differ from those projected include, but are not limited to, the following: National
Penn’s obligations under the U.S. Treasury’s TARP Capital Purchase Program; ability to obtain new
capital and locate growth opportunities; the ineffectiveness of National Penn’s business strategy due to
changes in current or future market conditions; the effects of competition, and of changes in laws and
regulations on competition, including industry consolidation and development of competing financial
products and services; interest rate movements; the performance of National Penn’s investment
portfolio; inability to achieve merger-related synergies; difficulties in integrating distinct business
operations, including information technology difficulties; disruption from announced transactions, and
resulting difficulties in maintaining relationships with customers and employees; and challenges in
establishing and maintaining operations in new markets. The foregoing review of important factors
should be read in conjunction with the risk factors and other cautionary statements included in National
Penn’s Annual Report on Form 10-K for the fiscal year ended December 31, 2008, as well as any other
documents filed by National Penn with the SEC after the date thereof. National Penn makes no
commitment to revise or update any forward-looking statements in order to reflect events or
circumstances occurring or existing after the date any forward-looking statement is made.
