Metropolitan marks first anniversary: Remarks from President and CEO Curt Gabardi

RIDGELAND, MISSISSIPPI, April 6, 2009 – At a time when stories of troubled financial institutions are easy to find, I’m delighted to share the Metropolitan story. In 2008, we chose to launch an independent bank in one of the most challenging years in financial history, and I’m proud to announce that our first anniversary marks a milestone in a true success story.

At Metropolitan, we are well positioned to navigate the economic landscape. The quality of our loan portfolio remains solid and steady. At the end of our first year, our assets totaled more than $277 million, and our capital ratios continue to exceed all regulatory standards, even for well-capitalized banks.

Since our grand opening last March, we have opened over 2,000 new deposit accounts, resulting in more than 1,200 new client relationships. By year-end we had also loaned more than $200 million to

credit-worthy business owners so they’d have the capital they need to succeed in today’s challenging marketplace.

During these days when banks may be looking to others for guidance or support, we cherish our independence. We’re remaining true to the core fundamentals of banking. Our proven team of experienced staff and board members is committed to ensuring continuity and stability. The bank that our clients count on today will be here tomorrow—offering the same unparalleled service, state-of-the-art technology, and solid financial portfolio managed by industry-leading advisors. That is inspired banking, and it’s what our clients have come to expect.

There has never been a better time to have a consultant as your banker. You have my assurance: you have that with Metropolitan.