A community meeting regarding the conversion, offering and business of CharterBank will be held on Tuesday, March 5, 2013 at 7:00 p.m., Eastern Time, at the CharterBank Corporate Center, 1233 O.G. Skinner Drive, West Point, Georgia. Reservations may be made by contacting the Stock Information Center at the number below.Charter Financial has established a Stock Information Center to handle inquiries with respect to the subscription and community offerings. The Stock Information Center will open on February 25, 2013. The Stock Information Center's telephone number is (877) 821-5778. Hours of operation will be from 10:00 a.m. to 4:00 p.m., Monday through Friday, except bank holidays. A copy of the prospectus and stock order form relating to the subscription and community offerings may be obtained from the Stock Information Center beginning on February 25, 2013. Stifel, Nicolaus & Company, Incorporated ("Stifel") is serving as financial advisor to the Company and Charter Financial in connection with the transaction. Stifel will act as selling agent in the subscription and community offerings. In any syndicated or firm commitment underwritten offering, Stifel will act as sole book-running manager and Sterne, Agee & Leach, Inc. will act as co-manager. Luse Gorman Pomerenk & Schick, P.C. is serving as legal counsel to the Company and Charter Financial. Silver Freedman & Taff, L.L.P. is serving as legal counsel to Stifel. Charter Financial Corporation is a savings and loan holding company and the parent company of CharterBank, a growing full-service community bank. CharterBank is headquartered in West Point, Georgia, and operates branches in West Central Georgia, East Central Alabama, and the Florida Gulf Coast. CharterBank's deposits are insured by the Federal Deposit Insurance Corporation. Investors may obtain additional information about Charter Financial Corporation and the CharterBank on the internet at www.charterbk.com under About Us. This news release contains forward-looking statements within the meaning of the federal securities laws. Statements in this release that are not strictly historical are forward-looking and are based upon current expectations that may differ materially from actual results. These forward-looking statements, identified by words such as "will," "expected," "believe," and "prospects," involve risks and uncertainties that could cause actual results to differ materially from those anticipated by the statements made herein. These risks and uncertainties involve general economic trends and changes in interest rates, increased competition, changes in consumer demand for financial services, the possibility of unforeseen events affecting the industry generally, the uncertainties associated with newly developed or acquired operations, and market disruptions. Charter Financial undertakes no obligation to release revisions to these forward-looking statements publicly to reflect events or circumstances after the date hereof or to reflect the occurrence of unforeseen events, except as required to be reported under the rules and regulations of the Securities and Exchange Commission.