|Disclaimer: CAUTIONARY LANGUAGE REGARDING FORWARD-LOOKING STATEMENTS The materials in this website contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements include, among others, statements about our beliefs, plans, objectives, goals, expectations, estimates and intentions that are subject to significant risks and uncertainties and are subject to change based on various factors, many of which are beyond our control. The words "may," "could," "should," "would," "believe," "anticipate," "estimate," "expect," "intend," "plan," "target," "goal," “project,” and similar expressions are intended to identify forward-looking statements.All forward-looking statements, by their nature, are subject to risks and uncertainties. Our actual future results may differ materially from those set forth in our forward-looking statements.You should read the discussion in the section entitled Item 1A Risk Factors in our most recent 10-K report to the SEC, as it may be updated in our subsequent filings made from time to time with the SEC as well as our other public statements from time to time (including, without limitation, our press releases). That discussion covers certain risks, uncertainties and possibly inaccurate assumptions that could cause our actual results to differ materially from expected and historical results. In addition to those risks discussed under Item 1A Risk Factors, factors that could cause our actual results to differ materially from those in the forward-looking statements, include, without limitation:· our ability to integrate the business and operations of companies and banks that we have acquired, and those we may acquire in the future;· our need and our ability to incur additional debt or equity financing;· the strength of the United States economy in general and the strength of the local economies in which we conduct operations; · the accuracy of our financial statement estimates and assumptions; · the effects of harsh weather conditions, including hurricanes;· inflation, interest rate, market and monetary fluctuations; · the effects of our lack of a diversified loan portfolio, including the risks of geographic and industry concentrations;· the frequency and magnitude of foreclosure of our loans;· changes in the securities, real estate, and other capital markets; · legislative or regulatory changes;· the willingness of customers to accept third-party products and services rather than our products and services and vice versa;· increased competition and its effect on pricing;· technological changes; · changes in monetary and fiscal policies of the U.S. Government;· changes in consumer spending and saving habits; · growth and profitability of our noninterest income; · changes in accounting principles, policies, practices or guidelines;· the limited trading activity of our common stock;· the concentration of ownership of our common stock;· anti-takeover provisions under Federal and state law as well as our Articles of Incorporation and our bylaws;· other risks described from time to time in our filings with the Securities and Exchange Commission; and· our ability to manage the risks involved in the foregoing. However, other factors besides those listed in Item 1A Risk Factors also could adversely affect our results, and you should not consider any list of factors to be a complete set of all potential risks or uncertainties. Any forward-looking statements made by us or on our behalf speak only as of the date they are made. We do not undertake to update any forward-looking statement, except as required by applicable law.