Forward-Looking Statements

2

This presentation includes forward-looking statements, including statements about future results.  These statements are subject to
uncertainties and risks, including but not limited to our ability to integrate the business and operations of companies and banks that we have
acquired, and those we may acquire in the future; the costs of integrating our and operations with companies and banks that we have acquired,
and those we may acquire in the future may be greater than we expect; the loss of key personnel; potential customer loss, deposit attrition,
and business disruption as a result of companies and banks that we have acquired, and those we may acquire in the future; the failure to
achieve expected gains, revenue growth, and/or expense savings from 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; effect of changes in the stock market and other capital markets; legislative or regulatory changes; our ability to comply with the
extensive laws and regulations to which we are subject; the willingness of customers to accept third-party products and services rather than
our products and services and vice versa; changes in the securities and real estate markets; increased competition and its effect on pricing;
technological changes; changes in monetary and fiscal policies of the U.S. Government; the effects of security breaches and computer viruses
that may affect our computer systems; changes in consumer spending and saving habits; growth and profitability of our noninterest income;
changes in accounting principles, policies, practices or guidelines; anti-takeover provisions under Federal and state law as well as our Articles
of Incorporation and our bylaws; and our ability to manage the risks involved in the foregoing.  Finally, there can be no assurance that we will
realize the anticipated benefits related to the acquisition of Republic Federal Bank, N.A.

These factors, as well as additional factors, can be found in our periodic and other filings with the SEC, which are available at the SEC’s
internet site (http://www.sec.gov). Actual results may differ materially from projections and could be affected by a variety of factors,
including factors beyond our control.  In addition, forward-looking statements regarding the Republic transaction are based on currently
available information provided to us by the FDIC.  Actual results could differ materially after experience with the acquisition. Forward-
looking statements in this presentation speak only as of the date of these materials, and we assume no obligation to update forward-looking
statements or the reasons why actual results could differ.