Forward-Looking Statements 1 We make forward-looking statements in this presentation that are subject to risks and uncertainties. We intend these statements to be covered by the safe harbor provision for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. These forward-looking statements include: These forward-looking statements are subject to significant uncertainties because they are based upon: the amount and timing of future changes in interest rates, market behavior, and other economic conditions; future laws, regulations, and accounting principles; changes in regulatory standards and examination policies, and a variety of other matters. These other matters include, among other things, the direct and indirect effects of economic conditions on interest rates, credit quality, loan demand, liquidity, and monetary and supervisory policies of banking regulators. Because of these uncertainties, the actual future results may be materially different from the results indicated by these forward-looking statements. In addition, Southwest's past growth and performance do not necessarily indicate our future results. For other factors, risks, and uncertainties that could cause actual results to differ materially from estimates and projections contained in forward-looking statements, please read the “Risk Factors” contained in Southwest’s reports to the Securities and Exchange Commission. • Statements of Southwest's goals, intentions, and expectations; • Estimates of risks and of future costs and benefits; • Expectations regarding our future financial performance and the financial performance of our operating segments; • Expectations regarding regulatory actions; • Expectations regarding our ability to utilize tax loss benefits; • Assessments of loan quality, probable loan losses, and the amount and timing of loan payoffs; • Estimates of the value of assets held for sale or available for sale; and • Statements of our ability to achieve financial and other goals. | 
