Subscribers can confirm their stock allocations by contacting the Charter Financial Stock Information Center at (877) 821-5778 (toll free). The Stock Information Center is open Monday-Friday from 10:00 a.m. until 4:00 p.m., Eastern Time. Alternatively, subscribers may confirm allocations online, at .

Stifel, Nicolaus & Company, Incorporated ("Stifel") served as financial advisor to the Company and Charter Financial in connection with the transaction. Luse Gorman Pomerenk & Schick, P.C. served as legal counsel to the Company and Charter Financial. Silver, Freedman & Taff, L.L.P. served 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 CharterBank on the internet at 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 Corporation 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.
CONTACT: Robert L. Johnson, Chairman & CEO         Curt Kollar, CFO         706-645-1391 or                  At Dresner Corporate Services         Steve Carr         312-780-7211

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