This web site contains certain forward-looking statements, including statements regarding or related to events and business trends that may affect our future operating results, financial position and cash flows. These statements are based on our assumptions and projections and are subject to risks and uncertainties, as they involve judgments with respect to, among other things, future economic, competitive and market conditions and future business decisions, all of which are difficult or impossible to predict accurately and many of which are beyond our control. You can identify these forward-looking statements by the use of the words “strategy,” “plan,” “goal,” “target,” “estimate,” “project,” “intend,” “believe,” “will” and “expect” and similar expressions. You can also identify these forward-looking statements by the fact that they do not relate strictly to historical or current facts. Although we believe that assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove inaccurate, and we may not realize the results contemplated by the forward-looking statement. Management decisions are subjective in many respects and susceptible to interpretations and periodic revisions based on actual experience and business developments, the impact of which may cause us to alter our business strategy that may, in turn, affect our results of operations, causing actual results to differ materially from those contemplated by forward-looking statements.

Demand for our services is subject to intense competition, changes in consumer banking preferences and local economic conditions. Our results are also dependent upon our ability to:

• promote our financial services successfully;
• compete successfully against banking service providers with greater financial resources and wider geographic presences;
• develop new financial products;
• anticipate and respond to new banking consumer trends; and
• weather market interest rate fluctuations.

In light of the significant uncertainties inherent in the forward-looking information included on this web site, you should not regard the inclusion of this information as our representation that we will achieve any strategy, objectives or other plans.

We caution you that the above list of important factors is not exclusive. We refer you to filings that we have made with the U.S. Securities and Exchange Commission. Those filings may discuss new or different factors that may cause actual results to differ materially from those forecast. All forward-looking information contained on this web site speaks only as of the date the information is posted on this web site, and we do not undertake any obligation to update or revise such information after it is posted or to remove such information from this web site if it is no longer accurate or complete.