The Corporation's financial data has been restated for all mergers accounted for as pooling of interests. 

## FORWARD-LOOKING STATEMENTS 

The Corporation from time to time includes forward-looking statements in its oral and written communication. The Corporation may include forward-looking statements in filings with the Securities and Exchange Commission, such as Form 10-K and Form 10-Q, in other written materials and in oral statements made by senior management to analysts, investors, representatives of the media and others. The Corporation intends these forward-looking statements to be covered by the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995, and the Corporation is including this statement for purposes of these safe harbor provisions. Forward- looking statements can often be identified by the use of words like "estimate," "project," "intend," "anticipate," "expect" and similar expressions. These forward-looking statements include: 

* statements of the Corporation's goals, intentions and expectations; 

* statements regarding the Corporation's business plan and growth strategies; 

* statements regarding the asset quality of the Corporation's loan and investment portfolios; and 

* estimates of the Corporation's risks and future costs and  benefits. 

These forward-looking statements are subject to significant risks, assumptions and uncertainties, including, among other things, the following important factors which could affect the actual outcome of future events: 

* fluctuations in market rates of interest and loan and deposit  pricing, which could negatively affect the Corporation's net  interest margin, asset valuations and expense expectations; 

* adverse changes in the economy, which might affect the Corporation's business prospects and could cause credit-related losses and expenses; 

* adverse developments in the Corporation's loan and investment portfolios; 

* competitive factors in the banking industry, such as the trend towards  consolidation in the Corporation's market; and 

* changes in the banking legislation or the regulatory requirements of  federal and state agencies applicable to bank holding companies and  banks like the Corporation's affiliate banks. 

