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 the interest rate policies of the FRB; competition in the industry,
including our ability to attract deposits, changes in the demand for loans and changes in consumer spending, borrowing and
savings habits; 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.
2
July 2008
