Forward Looking Statement
Certain statements contained herein are forward-looking statements within the meaning of Section 27A of the Securities Act of
1933 and Section 21E of the Securities Exchange Act of 1934 and subject to the safe harbor provisions of the Private Securities
Litigation Reform Act of 1995, which involve risks and uncertainties. These statements include, among others, statements
regarding future results, improvements in classified and criticized assets, changes in the local and national economy, the work-out
of nonaccrual loans, the competition for other potential acquisitions, the impacts from the integration of operations from
completed acquisitions and the impact of regulatory changes regarding electronic transactions.
Actual results may differ materially from the results anticipated in these forward-looking statements. Factors that might cause
such a difference include, among other matters, the failure to obtain necessary regulatory approvals and the approval of PSB
shareholders; the ability of the parties to satisfy the other closing conditions; the effect of the announcement of the proposed
acquisition on relations with customers and employees; the effects of MidSouth’s expenditure of monies for legal and other
professional fees, which will be capitalized on its balance sheet and written off if the transaction is not completed; changes in
interest rates and market prices that could affect the net interest margin, asset valuation, and expense levels; changes in local
economic and business conditions, including, without limitation, changes related to the oil and gas industries, that could
adversely affect customers and their ability to repay borrowings under agreed upon terms, adversely affect the value of the
underlying collateral related to their borrowings, and reduce demand for loans; the timing and ability to reach any agreement to
restructure nonaccrual loans; increased competition for deposits and loans which could affect compositions, rates and terms; the
timing and impact of future acquisitions, the success or failure of integrating operations, and the ability to capitalize on growth
opportunities upon entering new markets; loss of critical personnel and the challenge of hiring qualified personnel at reasonable
compensation levels; legislative and regulatory changes, including changes in banking, securities and tax laws and regulations and
their application by our regulators, changes in the scope and cost of FDIC insurance and other coverage; and other factors
discussed under the heading “Risk Factors” in MidSouth’s Annual Report on Form 10-K for the year ended December 31, 2011
filed with the SEC on March 15, 2012 and in its other filings with the SEC.
MidSouth does not undertake any obligation to publicly update or revise any of these forward-looking statements, whether to
reflect new information, future events or otherwise, except as required by law.
