21 Forward-looking Statements Forward-looking Statements During the course of this presentation, management may make projections and other forward-looking statements regarding events or the future financial performance of Susquehanna. In particular, certain statements made during this presentation may include forward-looking statements relating to: our ability to manage and monitor the impact of the recession; our expectations regarding the amount of savings and efficiency to be generated by the merger of our bank subsidiaries; our expectations regarding the amount of FDIC deposit insurance assessment rates; our expectations regarding the benefits associated with participating in the Capital Purchase Program and our ability to repay the Treasury’s investment; our ability to maintain sufficient liquidity; our expectations regarding dividend payments; whether Susquehanna’s allowance for loan and lease losses is adequate to meet probable loan and lease losses; our ability to maintain loan growth; and our ability to achieve our future financial goals. We wish to caution you that these forward-looking statements may differ materially from actual results due to a number of risks and uncertainties. The factors that may affect these statements and our financial performance, include, but are not limited to, adverse changes in our loan and lease portfolios and the resulting credit-risk-related losses and expenses; continued levels of our loan and lease quality and origination volume; changes in consumer confidence spending and savings habits relative to the bank and non-bank financial services we provide; the adequacy of loss reserves; the loss of certain key officers; our ability to maintain our relationships with major customers; our ability to continue to grow our business internally and through acquisition and successful integration of bank and non-bank entities while controlling our costs; adverse national and regional economic and business conditions; compliance with laws and regulatory requirements of federal and state agencies; competition from other financial institutions in originating loans, attracting deposits, and providing various financial services that may affect our profitability; the ability to hedge certain risks economically; greater reliance on wholesale funding because our loan growth has outpaced our deposit growth, and we have no current access the securitization markets; the pace of our loan growth compared to our deposit growth; and our success in managing the risks involved in the foregoing. For a more detailed description of the factors that may affect Susquehanna’s operating results or the outcomes described in these forward-looking statements, we refer you to our filings with the Securities & Exchange Commission, including our annual report on Form 10-K for the year ended December 31, 2008. Susquehanna assumes no obligation to update the forward-looking statements made during this presentation. For more information, please visit our Web site www.susquehanna.net. | 
