All forward-looking statements are subject to risks and uncertainties that could cause actual results or financial condition to differ materially from those expressed in or implied by such statements. Factors of particular importance include, but are not limited to: (1) changes in general, national or regional economic conditions; (2) unprecedented volatility in the global economy; (3) risk that the future business operations of HopFed and Heritage will not be successful; (4) risk that HopFed and Heritage will not realize all of the anticipated benefits from our acquisition of Sumner; (5) risk that the businesses of HopFed, Heritage and Sumner may not be combined successfully, or such combination may take longer, be more difficult, time-consuming or costly to accomplish than expected; (6) failure of the parties to satisfy the closing conditions in the agreement in a timely manner; (7) failure of the stockholders of Sumner to approve the acquisition; (8) changes in interest rates or credit availability; (9) credit risk of our customers; (10) effects of the on-going correction in residential real estate prices and reduced levels of home sales; (11) changes in accounting and government regulations and legislation; (12) sufficiency of our allowance for loan losses; (13) geographical concentration of our markets and economic conditions in these markets; (14) risk that other governmental and regulatory approvals required for the acquisition may not be obtained; and (15) other factors that are set forth in the "Risk Factors" section, the "Legal Proceedings" section, the "Management's Discussion and Analysis of Financial Condition and Results of Operations" section and other sections of HopFed's 2011 Annual Report on Form 10-K filed with the Securities and Exchange Commission. All forward-looking statements can be affected by inaccurate assumptions or by known or unknown risks and uncertainties. Consequently, no forward-looking statement can be guaranteed. Neither HopFed and Heritage nor Sumner undertakes any obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.This communication is being made in respect of the proposed acquisition transaction involving HopFed, Heritage and Sumner. This communication does not constitute the solicitation of an offer to buy any securities or a solicitation of any vote or approval. SOURCE HopFed Bancorp, Inc.