Forward Looking Statements
The following presentation contains forward-looking statements, which are not historical facts and pertain to our future operating results.
These statements include, but are not limited to, our plans, objectives, expectations and intentions and are not statements of historical fact.
When used in this report, the word "expects," "believes," "anticipates,” “could,” “may,” “will,” “should,” “plan,” “predicts,” “projections,”
“continue” and other similar expressions constitute forward-looking statements, as do any other statements that expressly or implicitly
predict future events, results or performance, and such statements are made pursuant to the safe harbor provisions of the Private Securities
Litigation Reform Act of 1995. Certain risks and uncertainties cause actual results to differ materially from those projected, including among
others, the risk factors described in this report as well as general business and economic conditions, including the residential and
commercial real estate markets, changes in interest rates including timing or relative degree of change and competition in the industry,
changes in regulatory conditions or requirements or new legislation, and changes in accounting policies. In addition, these forward-looking
statements are subject to assumptions with respect to future business conditions, strategies and decisions, and such assumptions are
subject to change.
Results may differ materially from the results discussed due to changes in business and economic conditions that negatively affect credit
quality, which may be exacerbated by our concentration of operations in the States of Oregon and Idaho generally, including the Oregon
communities of Central Oregon, Northwest Oregon, Southern Oregon, and the greater Boise area, specifically. Likewise, competition or
changes in interest rates could negatively affect the net interest margin, as could other factors listed from time to time in the Company’s
SEC reports. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date
hereof. The Company undertakes no obligation to publish revised forward-looking statements to reflect the occurrence of unanticipated
events or circumstances after the date hereof. Readers should carefully review all disclosures filed by the Company from time to time with
the SEC.
May 2008
2
