The information is confidential and intended for your exclusive use. By accepting the information, you agree that you will not (a) provide any information to any person other than your  legal, tax, financial and accounting advisors for the purposes of making an assessment of the  transaction or (b) use (or allow any of your advisors to use) the information for any purpose.

Notwithstanding anything expressed or implied to the contrary herein or in any of the documents referred to herein, you and each of your employees, representatives and agents may disclose to any  and all persons, without limitation of any kind, the tax treatment and tax structure of the transactions contemplated herein and all material of any kind (including opinions or other tax analyses) that are provided to any such person relating to such tax treatment and tax structure. This document  remains our property and must be returned to us on request and any copies you have made must be destroyed.

This document has been prepared for information purposes only. There may be material changes to  the information contained in this document and it will be superseded in its entirety by any information made available to you after the date hereof (if any). Under no circumstance is this document to be considered as a commitment by Newport Capital Bancorp (“Newport”) or any affiliate of  Newport to enter  into any transaction. Any transaction will be subject to negotiation and execution of  final documentation.

You should make your own independent evaluation of the transaction and of the relevance and  adequacy of the information in this document and should make such other investigations as you deem  necessary to determine whether to participate in the transaction. You are urged to consult with your  legal, accounting, tax and other advisors with respect to the proposed treatment and ramification of the transaction described herein. Newport will not act as your advisor or owe any fiduciary duties to you in connection with this, and/or any related transaction and no reliance may be placed on Newport for  advice or recommendations of any sort. Newport makes no representations or warranties with respect to the information and disclaims all liability for any use you or your advisors make of the contents of this document.

Newport and/or its affiliates and/or others associated with them may have long or short positions in  or effect transactions in or make markets in or otherwise buy or sell the instruments or economically  equivalent instruments of any securities described herein and may also perform or seek to perform  banking, credit or other financial services for any obligors of such securities or any other entities. Any  views or opinions (including statements or forecasts) constitute Newport’s judgment as of the date  indicated and are subject to change without notice.