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INVESTOR RELATION

These releases contain comments or information that constitute forward-looking statements (within the meaning of the Private Securities Litigation Act of 1995) that are based on current expectations that involve a number of risks and uncertainties. Actual results may differ materially from the results expressed in forward-looking statements. Such statements are subject to risks and uncertainties, including but not limited to changes in economic conditions in our market area, changes in policies by regulatory agencies, fluctuations in interest rates, demand for loans in our market area, and competition, all or some of which could cause actual results to differ materially from historical earnings and those presently anticipated or projected. These risks and uncertainties should be considered in evaluating forward-looking statements and you should not rely on these statements.