Forward Looking Statements This release contains “forward-looking statements” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated” and “potential.” Examples of forward-looking statements include, but are not limited to, estimates with respect to our financial condition, results of operations and business that are subject to various factors which could cause actual results to differ materially from these estimates. These factors include, but are not limited to: The strength of the United States economy in general and the strength of the local economies in which we operate; Changes in deposit flows, demand for mortgages and other loans, real estate values, and competition; Changes in trade, monetary and fiscal policies and laws including interest rate policies of the Federal Reserve Board; Changes in accounting principles, policies, or guidelines; and Other economic, competitive, governmental, regulatory, and technological factors affecting our operations, pricing, products and services. Any or all of our forward-looking statements in this report and in any other public statements we make may turn out to be wrong. They can be affected by inaccurate assumptions we might make or by known or unknown risks and uncertainties. Consequently, no forward-looking statement can be guaranteed. The Company disclaims any obligation to subsequently revise any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events or circumstances. | 
