IMPORTANT INFORMATION and ALERTS

County First Bank is not an active, long-term, residential real estate lender, and as such, has not participated in the "sub-prime lending business" which has caused much of the economic turmoil you are hearing in the news today. Our credit culture and loan underwriting are conservative, and emphasize not only collateral value and good credit history, but also proof of adequate cash flow to repay the loan.

Although a certain level of risk exists with every loan, and the ripple effect of a deteriorating real estate market may adversely affect some of our customer base, we believe our loan portfolio and our investment portfolio contain minimal risk and should not have any material, negative effect on the safety and soundness of County First Bank.