Forward-Looking Statements

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This presentation contains “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,” 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 the forward-looking statements. Our ability to achieve our financial objectives could be adversely affected by the factors discussed in
detail in Part I, Item 2., “Management’s Discussion and Analysis of Financial Condition and Results of Operations” the following sections of our
Annual Report on Form 10-K for the year ended December 31, 2009 (the “Annual Report”): (a) “Introductory Note” in Part I, Item 1. “Business;”
(b) “Risk Factors” in Part I, Item 1A. as updated in our subsequent quarterly reports on Form 10-Q; and (c) “Introduction” in Management’s
Discussion and Analysis of Financial Condition and Results of Operations,” in Part II, Item 7, as well as: 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 failure to achieve expected gains,
revenue growth, and/or expense savings from future acquisitions; our ability to comply with the terms of the loss sharing agreements with the
FDIC; legislative or regulatory changes; 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, including the estimate for our loan loss provision; the
effects of the health and soundness of other financial institutions, including the FDIC’s need to increase Deposit Insurance Fund assessments;
the loss of key personnel; our customers’ willingness to make timely payments on their loans; changes in the securities and real estate markets;
changes in monetary and fiscal policies of the U.S. Government; inflation, interest rate, market and monetary fluctuations; the frequency and
magnitude of foreclosure of our loans; fluctuations in loan collateral values; the effects of our lack of a diversified loan portfolio, including the risks
of geographic and industry concentrations; our need and our ability to incur additional debt or equity financing; the effects of harsh weather
conditions, including hurricanes; our ability to comply with the extensive laws, regulations, and directives to which we are subject; our customers’
perception of the safety of their deposits at 1st United Bank; the willingness of clients 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; 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; 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 above could adversely affect our results, and you should not consider any such list of factors to be a
complete set of all potential risks or uncertainties. These forward-looking statements are not guarantees of future performance, but reflect the
present expectations of future events by our management and are subject to a number of factors and uncertainties that could cause actual results
to differ materially from those described in the forward-looking statements. Any forward-looking statements made by us 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.