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Home BancShares, Inc. Announces Record Quarterly Earnings Of $16.1 Million

Conference Call

Management will conduct a conference call to review this information at 1:00 p.m. CT (2:00 ET) on Thursday, October 18, 2012. Interested parties can listen to this call by calling 1-877-317-6789 and asking for the Home BancShares conference call. A replay of the call will be available by calling 1-877-344-7529, Passcode: 10018596, which will be available until October 29, 2012 at 8:00 a.m. CT (9:00 ET). Internet access to the call will be available live or in recorded version on the Company's website at www.homebancshares.com under "Investor Relations" for 12 months.

General

This release contains forward-looking statements regarding the Company's plans, expectations, goals and outlook for the future. Statements in this press release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements of this type speak only as of the date of this news release. By nature, forward-looking statements involve inherent risk and uncertainties. Various factors, including, but not limited to, economic conditions, credit quality, interest rates, loan demand, the ability to successfully integrate new acquisitions and changes in the assumptions used in making the forward-looking statements, could cause actual results to differ materially from those contemplated by the forward-looking statements. Additional information on factors that might affect Home BancShares, Inc.'s financial results are included in its Annual Report on Form 10-K for the year ended December 31, 2011 filed with the Securities and Exchange Commission.

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Our wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has locations in central Arkansas, north central Arkansas, southern Arkansas, the Florida Keys, southwestern Florida, central Florida, the Florida Panhandle and south Alabama. The Company's common stock is traded through the NASDAQ Global Select Market under the symbol "HOMB."

 Home BancShares, Inc. 
 Consolidated End of Period Balance Sheets 
 (Unaudited) 
           
 (In thousands)  Sep. 30,  2012   Jun. 30, 2012   Mar. 31, 2012   Dec. 31, 2011  Sep. 30,  2011 
           
ASSETS          
           
 Cash and due from banks   $ 86,381  $ 71,078  $ 76,837  $ 57,337  $ 48,748
 Interest-bearing deposits with other banks   69,248  287,452  269,401  126,967  104,053
 Cash and cash equivalents   155,629  358,530  346,238  184,304  152,801
 Federal funds sold   1,775  575  1,375  1,100  3,670
 Investment securities - available for sale   755,197  712,820  759,959  671,221  610,522
 Loans receivable not covered by loss share   2,076,248  2,035,487  2,046,108  1,760,086  1,826,373
 Loans receivable covered by FDIC loss share   407,416  432,422  455,435  481,739  511,326
 Allowance for loan losses   (54,440)  (56,511)  (51,014)  (52,129)  (54,508)
 Loans receivable, net   2,429,224  2,411,398  2,450,529  2,189,696  2,283,191
 Bank premises and equipment, net   105,131  100,694  100,674  88,465  89,894
 Foreclosed assets held for sale not covered by loss share   14,942  14,481  14,634  16,660  16,541
 Foreclosed assets held for sale covered by FDIC loss share   31,799  35,008  39,744  35,178  32,183
 FDIC indemnification asset   153,758  162,439  181,884  193,856  201,211
 Cash value of life insurance   53,366  53,167  52,955  52,700  52,422
 Accrued interest receivable   14,872  14,834  15,845  15,551  15,038
 Deferred tax asset, net   33,680  31,115  34,680  22,850  21,998
 Goodwill   77,090  77,090  77,090  59,663  59,663
 Core deposit and other intangibles   9,792  10,486  11,180  8,620  9,325
 Other assets   51,654  73,768  61,165  64,253  73,707
 Total assets   $ 3,887,909  $ 4,056,405  $ 4,147,952  $ 3,604,117  $ 3,622,166
           
LIABILITIES AND STOCKHOLDERS' EQUITY          
           
Liabilities          
 Deposits:           
 Demand and non-interest-bearing   $ 596,746  $ 597,374  $ 583,951  $ 464,581  $ 479,512
 Savings and interest-bearing transaction accounts   1,527,829  1,521,869  1,514,812  1,189,098  1,143,335
 Time deposits   1,007,894  1,174,286  1,281,636  1,204,352  1,262,202
 Total deposits   3,132,469  3,293,529  3,380,399  2,858,031  2,885,049
 Federal funds purchased   --   --   --   --   -- 
 Securities sold under agreements to repurchase   61,499  66,620  72,531  62,319  62,407
 FHLB borrowed funds   130,506  140,523  142,753  142,777  142,901
 Accrued interest payable and other liabilities   24,590  15,967  27,403  22,593  24,339
 Subordinated debentures   28,867  44,331  44,331  44,331  44,331
 Total liabilities   3,377,931  3,560,970  3,667,417  3,130,051  3,159,027
           
 Stockholders' equity           
 Common stock   282  281  281  283  283
 Capital surplus   420,595  420,538  421,006  425,649  425,852
 Retained earnings   77,190  64,478  51,800  40,130  28,218
 Accumulated other comprehensive income   11,911  10,138  7,448  8,004  8,786
 Total stockholders' equity   509,978  495,435  480,535  474,066  463,139
 Total liabilities and stockholders' equity   $ 3,887,909  $ 4,056,405  $ 4,147,952  $ 3,604,117  $ 3,622,166
 
 
 Home BancShares, Inc. 
 Consolidated Statements of Income 
 (Unaudited) 
               
   Quarter Ended   Nine Months Ended 
 (In thousands)  Sep. 30,  2012   Jun. 30, 2012  Mar. 31, 2012   Dec. 31, 2011   Sep. 30, 2011   Sep. 30, 2012   Sep. 30, 2011 
               
               
 Interest income               
 Loans   $ 39,285  $ 40,365  $ 38,506  $ 38,110  $ 39,199  $ 118,156  $ 117,844
 Investment securities               
 Taxable   2,598  3,060  2,860  2,451  2,429  8,518  6,793
 Tax-exempt   1,541  1,534  1,535  1,562  1,546  4,610  4,617
 Deposits - other banks   115  127  85  87  84  327  331
 Federal funds sold   3  3  2  2  1  8  9
               
 Total interest income   43,542  45,089  42,988  42,212  43,259  131,619  129,594
               
 Interest expense               
 Interest on deposits   3,288  4,164  4,660  5,084  5,638  12,112  17,884
 Federal funds purchased   --   --   --   --   --   --   -- 
 FHLB borrowed funds   1,040  1,134  1,160  1,172  1,250  3,334  3,768
 Securities sold under               
 agreements to repurchase   107  111  110  99  120  328  384
 Subordinated debentures   482  521  524  540  539  1,527  1,620
               
 Total interest expense   4,917  5,930  6,454  6,895  7,547  17,301  23,656
               
 Net interest income   38,625  39,159  36,534  35,317  35,712  114,318  105,938
 Provision for loan losses   167  1,333  --   2,250  --   1,500  1,250
 Net interest income after               
 provision for loan losses   38,458  37,826  36,534  33,067  35,712  112,818  104,688
               
 Non-interest income               
 Service charges on deposit accounts   3,834  3,668  3,505  3,659  3,638  11,007  10,428
 Other service charges and fees   3,119  3,223  3,024  2,554  2,489  9,366  7,375
 Mortgage lending income   1,550  1,277  904  904  783  3,731  2,089
 Insurance commissions   512  438  551  351  428  1,501  1,505
 Income from title services   112  129  88  121  126  329  327
 Increase in cash value of life insurance   200  214  257  279  323  671  849
 Dividends from FHLB, FRB & bankers' bank   182  175  175  174  184  532  506
 Gain on sale of SBA loans   206  198  --   --   --   404  259
 Gain (loss) on sale of premises & equip, net   (5)  359  --   (6)  6  354  79
 Gain (loss) on OREO, net   (222)  159  (107)  394  69  (170)  (1,032)
 Gain (loss) on securities, net   --   (9)  19  2,243  5  10  5
 FDIC indemnification accretion   373  449  670  903  1,314  1,492  4,614
 Other income   765  773  1,017  606  595  2,555  2,123
               
 Total non-interest income   10,626  11,053  10,103  12,182  9,960  31,782  29,127
               
 Non-interest expense               
 Salaries and employee benefits   11,652  11,903  11,386  10,376  10,691  34,941  32,449
 Occupancy and equipment   3,805  3,552  3,431  3,274  3,562  10,788  10,923
 Data processing expense   1,137  1,371  1,091  994  1,185  3,599  3,607
 Other operating expenses   7,387  7,598  8,478  8,625  8,298  23,463  24,474
               
 Total non-interest expense   23,981  24,424  24,386  23,269  23,736  72,791  71,453
               
 Income before income taxes   25,103  24,455  22,251  21,980  21,936  71,809  62,362
 Income tax expense   9,008  8,965  7,753  7,813  7,624  25,726  21,788
 Net income   16,095  15,490  14,498  14,167  14,312  46,083  40,574
 Preferred stock dividends & accretion of  discount on preferred stock   --   --   --   --   488  --   1,828
 Net income available to common  shareholders   $ 16,095  $ 15,490  $ 14,498  $ 14,167  $ 13,824  $ 46,083  $ 38,746
 
 
 Home BancShares, Inc. 
 Selected Financial Information 
 (Unaudited) 
               
   Quarter Ended   Nine Months Ended 
 (Dollars and shares in thousands,  except per share data)  Sep. 30,   2012   Jun. 30, 2012   Mar. 31, 2012   Dec. 31, 2011  Sep. 30,  2011   Sep. 30,  2012   Sep. 30,  2011 
               
               
PER SHARE DATA              
               
 Diluted earnings per common share   $ 0.57  $ 0.55  $ 0.51  $ 0.50  $ 0.48  $ 1.63  $ 1.35
 Diluted earnings per common share excluding  intangible amortization   0.58  0.57  0.52  0.51  0.50  1.67  1.40
 Basic earnings per common share   0.58  0.55  0.51  0.50  0.48  1.64  1.36
 Dividends per share - common   0.120  0.100  0.100  0.080  0.080  0.320  0.188
 Book value per common share   18.10  17.64  17.11  16.77  16.39  18.10  16.39
 Tangible book value per common share   15.01  14.53  13.96  14.35  13.95  15.01  13.95
               
STOCK INFORMATION              
               
 Average common shares outstanding   28,150  28,095  28,230  28,274  28,434  28,158  28,464
 Average diluted shares outstanding   28,341  28,283  28,411  28,459  28,633  28,344  28,665
 End of period common shares outstanding   28,181  28,079  28,091  28,276  28,259  28,181  28,259
               
ANNUALIZED PERFORMANCE METRICS              
               
 Return on average assets  1.61% 1.53% 1.52% 1.56% 1.56% 1.56% 1.48%
 Return on average assets excluding  intangible amortization  1.69% 1.61% 1.60% 1.64% 1.64% 1.63% 1.55%
 Return on average assets excluding intangible  amortization, provision for loan losses, merger  expenses and income taxes (Core ROA)  2.69% 2.67% 2.64% 2.81% 2.52% 1.67% 1.55%
 Return on average common equity  12.78% 12.80% 12.21% 12.06% 12.00% 12.60% 11.67%
 Return on average tangible common equity  excluding intangible amortization  15.88% 16.05% 15.03% 14.57% 14.59% 15.66% 14.32%
 Efficiency ratio  46.24% 46.22% 49.75% 46.40% 49.23% 47.35% 50.09%
 Core efficiency ratio  45.63% 46.87% 46.12% 48.76% 49.31% 46.21% 49.95%
 Net interest margin - FTE  4.65% 4.65% 4.65% 4.73% 4.75% 4.65% 4.68%
 Fully taxable equivalent adjustment   $ 1,112  $ 1,126  $ 1,115  $ 1,130  $ 1,112  $ 3,353  $ 3,337
 Total revenue   54,168  56,142  53,091  54,394  53,219  163,401  158,721
               
EARNINGS EXCLUDING              
INTANGIBLE AMORTIZATION              
               
 GAAP net income available to  common shareholders   $ 16,095  $ 15,490  $ 14,498  $ 14,167  $ 13,824  $ 46,083  $ 38,746
 Intangible amortization after-tax   421  422  383  428  429  1,226  1,290
 Earnings excluding intangible amortization   $ 16,516  $ 15,912  $ 14,881  $ 14,595  $ 14,253  $ 47,309  $ 40,036
               
 GAAP diluted earnings per share   $ 0.57  $ 0.55  $ 0.51  $ 0.50  $ 0.48  $ 1.63  $ 1.35
 Intangible amortization after-tax   0.01  0.02  0.01  0.01  0.02  0.04  0.05
 Diluted earnings per share excluding  intangible amortization   $ 0.58  $ 0.57  $ 0.52  $ 0.51  $ 0.50  $ 1.67  $ 1.40
               
OTHER OPERATING EXPENSES              
               
 Advertising   $ 534  $ 904  $ 460  $ 1,224  $ 1,033  $ 1,898  $ 3,046
 Merger and acquisition expenses   296  --   1,692  134  --   1,988  11
 Amortization of intangibles   694  694  630  705  705  2,018  2,122
 Electronic banking expense   809  728  793  695  682  2,330  2,038
 Directors' fees   206  193  212  217  230  611  594
 Due from bank service charges   137  159  116  118  119  412  378
 FDIC and state assessment   588  516  638  1,070  1,062  1,742  3,213
 Insurance   448  424  401  447  447  1,273  1,226
 Legal and accounting   231  287  322  327  367  840  1,276
 Other professional fees   411  354  498  450  522  1,263  1,504
 Operating supplies   280  291  264  297  260  835  871
 Postage   219  240  221  212  243  680  730
 Telephone   270  276  246  221  234  792  756
 Other expense   2,264  2,532  1,985  2,508  2,394  6,781  6,709
               
 Total other operating expenses   $ 7,387  $ 7,598  $ 8,478  $ 8,625  $ 8,298  $ 23,463  $ 24,474
 
 
 Home BancShares, Inc. 
 Selected Financial Information 
 (Unaudited) 
           
 (Dollars in thousands)   Sep. 30, 2012   Jun. 30, 2012   Mar. 31, 2012   Dec. 31, 2011   Sep. 30, 2011 
           
BALANCE SHEET RATIOS          
           
 Total loans to total deposits  79.29% 74.93% 74.00% 78.44% 81.03%
 Common equity to assets  13.1% 12.2% 11.6% 13.2% 12.8%
 Tangible common equity to tangible assets  11.1% 10.3% 9.7% 11.5% 11.1%
           
ALLOWANCE FOR LOAN LOSSES          
           
 Non-Covered           
 Balance, beginning of period   $ 49,846  $ 51,014  $ 52,129  $ 54,508  $ 56,784
 Loans charged off   3,984  1,601  1,469  5,143  6,370
 Recoveries of loans previously charged off   1,430  433  354  514  4,094
 Net loans charged off   2,554  1,168  1,115  4,629  2,276
 Provision for loan losses   --   --   --   2,250  -- 
 Balance, end of period   $ 47,292  $ 49,846  $ 51,014  $ 52,129  $ 54,508
           
 Discount on non-covered loans acquired   14,712  16,112  17,154  2,513  3,596
 Net charge-offs on loans not covered by loss share  to average non-covered loans  0.50% 0.23% 0.23% 1.02% 0.50%
 Allowance for loan losses for non-covered loans  to total non-covered loans  2.28% 2.45% 2.49% 2.96% 2.98%
 Allowance for loan losses for non-covered loans plus  acquisition discount to total non-covered loans plus  acquisition discount  2.97% 3.21% 3.30% 3.10% 3.18%
           
Covered          
 Balance, beginning of period   $ 6,665  $ --   $ --   $ --   $ -- 
 Loans charged off   354  --   --   --   -- 
 Recoveries of loans previously charged off   --   --   --   --   -- 
 Net loans charged off   354  --   --   --   -- 
 Provision for loan losses before benefit attributable  to FDIC loss share agreements   837  6,665  --   --   -- 
 Benefit attributable to FDIC loss share agreements   (670)  (5,332)  --   --   -- 
 Net provision for loan losses   167  1,333  --   --   -- 
 Increase in FDIC indemnificaton asset   670  5,332  --   --   -- 
 Balance, end of period   $ 7,148  $ 6,665  $ --   $ --   $ -- 
           
 Total Allowance for Loan Losses   $ 54,440  $ 56,511  $ 51,014  $ 52,129  $ 54,508
           
NON-PERFORMING ASSETS          
NOT COVERED BY LOSS SHARE          
           
 Non-performing non-covered loans           
 Non-accrual non-covered loans   $ 20,183  $ 24,810  $ 27,425  $ 26,496  $ 25,373
 Non-covered loans past due 90 days or more   2,424  1,326  289  993  2,481
 Total non-performing non-covered loans   22,607  26,136  27,714  27,489  27,854
 Other non-performing non-covered assets           
 Non-covered foreclosed assets held for sale, net   14,942  14,481  14,634  16,660  16,541
 Other non-performing non-covered assets   1  79  71  8  222
 Total other non-performing non-covered assets   14,943  14,560  14,705  16,668  16,763
 Total non-performing non-covered assets   $ 37,550  $ 40,696  $ 42,419  $ 44,157  $ 44,617
           
 Allowance for loan losses for non-covered loans to non--  performing non-covered loans  209.19% 190.72% 184.07% 189.64% 195.69%
 Non-performing non-covered loans to total  non-covered loans  1.09% 1.28% 1.35% 1.56% 1.53%
 Non-performing non-covered assets to total  non-covered assets  1.14% 1.19% 1.22% 1.53% 1.55%
 
 
 
 Home BancShares, Inc. 
 Loan Information 
 (Unaudited) 
           
 (Dollars in thousands)   Sep. 30, 2012   Jun. 30, 2012   Mar. 31, 2012    Dec. 31, 2011   Sep. 30, 2011 
           
           
LOANS NOT COVERED BY LOSS SHARE          
           
 Real estate           
 Commercial real estate loans           
 Non-farm/non-residential   $ 887,895  $ 856,334  $ 780,520  $ 698,986  $ 744,749
 Construction/land development   282,269  269,371  413,093  361,846  366,926
 Agricultural   28,403  28,570  28,120  28,535  26,683
 Residential real estate loans           
 Residential 1-4 family   473,412  481,018  471,439  349,543  353,110
 Multifamily residential   105,369  106,206  65,226  56,909  59,974
 Total real estate   1,777,348  1,741,499  1,758,398  1,495,819  1,551,442
 Consumer   35,433  37,146  38,254  37,923  40,225
 Commercial and industrial   200,160  197,278  196,165  176,276  170,695
 Agricultural   36,239  31,741  21,275  21,784  35,238
 Other   27,068  27,823  32,016  28,284  28,773
 Loans receivable not covered by loss share   $ 2,076,248  $ 2,035,487  $ 2,046,108  $ 1,760,086  $ 1,826,373
           
           
           
LOANS COVERED BY LOSS SHARE          
           
 Real estate           
 Commercial real estate loans           
 Non-farm/non-residential   $ 175,195  $ 187,802  $ 179,360  $ 189,380  $ 189,558
 Construction/land development   71,958  74,989  99,996  103,535  117,143
 Agricultural   2,289  2,737  3,092  3,155  3,413
 Residential real estate loans           
 Residential 1-4 family   130,425  136,498  139,819  148,692  158,701
 Multifamily residential   10,062  10,216  9,077  8,933  9,010
 Total real estate   389,929  412,242  431,344  453,695  477,825
 Consumer   70  71  549  334  454
 Commercial and industrial   16,878  19,541  22,843  26,884  32,183
 Agricultural   --   --   --   --   -- 
 Other   539  568  699  826  864
 Loans receivable covered by loss share   $ 407,416  $ 432,422  $ 455,435  $ 481,739  $ 511,326
 
 
 Home BancShares, Inc. 
 Consolidated Net Interest Margin 
 (Unaudited) 
             
   Three Months Ended 
   September 30, 2012   June 30, 2012 
 (Dollars in thousands)   Average Balance   Income/ Expense   Yield/Rate    Average Balance   Income/Expense   Yield/Rate 
             
             
ASSETS            
 Earning assets             
 Interest-bearing balances due from banks   $ 192,192  $ 115 0.24%  $ 222,822  $ 127 0.23%
 Federal funds sold   3,749  3 0.32%  6,875  3 0.18%
 Investment securities - taxable   573,083  2,598 1.80%  599,585  3,060 2.05%
 Investment securities - non-taxable - FTE   160,252  2,512 6.24%  155,317  2,498 6.47%
 Loans receivable - FTE   2,468,151  39,426 6.35%  2,501,464  40,527 6.52%
 Total interest-earning assets   3,397,427  44,654 5.23%  3,486,063  46,215 5.33%
 Non-earning assets   578,519      586,198    
 Total assets   $ 3,975,946      $ 4,072,261    
             
LIABILITIES AND SHAREHOLDERS' EQUITY            
 Liabilities             
 Interest-bearing liabilities             
 Savings and interest-bearing transaction accounts   $ 1,523,346  $ 774 0.20%  $ 1,519,151  $ 1,003 0.27%
 Time deposits   1,095,268  2,514 0.91%  1,228,764  3,161 1.03%
 Total interest-bearing deposits   2,618,614  3,288 0.50%  2,747,915  4,164 0.61%
 Federal funds purchased   15  --  0.00%  303  --  0.00%
 Securities sold under agreement to repurchase   64,779  107 0.66%  71,485  111 0.62%
 FHLB borrowed funds   131,599  1,040 3.14%  140,577  1,134 3.24%
 Subordinated debentures   41,978  482 4.57%  44,331  521 4.73%
 Total interest-bearing liabilities   2,856,985  4,917 0.68%  3,004,611  5,930 0.79%
 Non-interest bearing liabilities             
 Non-interest bearing deposits  597,287      559,554    
 Other liabilities   20,695      21,445    
 Total liabilities   3,474,967      3,585,610    
 Shareholders' equity   500,979      486,651    
 Total liabilities and shareholders' equity   $ 3,975,946      $ 4,072,261    
 Net interest spread      4.55%     4.54%
 Net interest income and margin - FTE     $ 39,737 4.65%    $ 40,285 4.65%
 
 
 Home BancShares, Inc. 
 Consolidated Net Interest Margin 
 (Unaudited) 
             
   Nine Months Ended 
   September 30, 2012   September 30, 2011 
 (Dollars in thousands)    Average Balance   Income/Expense    Yield/Rate    Average Balance   Income/Expense    Yield/Rate 
             
             
ASSETS            
 Earning assets             
 Interest-bearing balances due from banks   $ 188,874  $ 327 0.23%  $ 188,456  $ 331 0.23%
 Federal funds sold   4,527  8 0.24%  6,735  9 0.18%
 Investment securities - taxable   580,492  8,518 1.96%  382,011  6,793 2.38%
 Investment securities - non-taxable - FTE   155,636  7,505 6.44%  150,587  7,480 6.64%
 Loans receivable - FTE   2,451,553  118,614 6.46%  2,392,102  118,318 6.61%
 Total interest-earning assets   3,381,082  134,972 5.33%  3,119,891  132,931 5.70%
 Non-earning assets   577,227      555,009    
 Total assets   $ 3,958,309      $ 3,674,900    
             
LIABILITIES AND SHAREHOLDERS' EQUITY            
 Liabilities             
 Interest-bearing liabilities             
 Savings and interest-bearing transaction accounts   $ 1,457,121  $ 2,788 0.26%  $ 1,120,279  $ 4,045 0.48%
 Time deposits   1,188,074  9,324 1.05%  1,346,247  13,839 1.37%
 Total interest-bearing deposits   2,645,195  12,112 0.61%  2,466,526  17,884 0.97%
 Federal funds purchased   232  --  0.00%  --   --  0.00%
 Securities sold under agreement to repurchase   68,425  328 0.64%  68,601  384 0.75%
 FHLB borrowed funds   138,288  3,334 3.22%  152,619  3,768 3.30%
 Subordinated debentures   43,541  1,527 4.68%  44,331  1,620 4.89%
 Total interest-bearing liabilities   2,895,681  17,301 0.80%  2,732,077  23,656 1.16%
 Non-interest bearing liabilities             
 Non-interest bearing deposits  551,628      437,964    
 Other liabilities   22,563      27,385    
 Total liabilities   3,469,872      3,197,426    
 Shareholders' equity   488,437      477,474    
 Total liabilities and shareholders' equity   $ 3,958,309      $ 3,674,900    
 Net interest spread      4.53%     4.54%
 Net interest income and margin - FTE     $ 117,671 4.65%    $ 109,275 4.68%
CONTACT: Brian S. Davis
         Chief Accounting Officer &
         Investor Relations Officer
         Home BancShares, Inc.
         (501) 328-4770

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