Charter Financial Corp.

CharterBank opened in 1954 to help neighbors with loans to buy their first home - to realize the American Dream.Over the years, our neighbors' dreams have grown and changed, and so has CharterBank.  We strive to anticipate and adjust to our customers' banking needs and expectations.Today, CharterBank is a full-service community bank operating ten branch locations along the I-85 corridor from Auburn, Alabama to LaGrange, Georgia.  Our headquarters is in West Point in Troup County, Georgia.  In addition, we have three loan offices in Atlanta, Columbus and Newnan, Georgia.The single most significant event in our recent history occurred in October 2001.  Then CharterBank and our parent company, Charter Financial Corporation (a savings and loan holding company) reorganized into a mutual holding company structure and completed an initial public offering of the Company's common stock. Now traded on OTC Bulletin Board exchange, the company's profile has been raised throughout the region and the country.CharterBank's Board of Directors believes that independent, community based banks best serve their customers, communities and shareholders.  Our mutual holding company ownership structure allows the Board to chart that independent course with certainty.  So, CharterBank is here for the long term with a strategic plan designed to create value for all of our stakeholders.  Franchise growth, sound lending and capital management are keys to our plan.Our goal is to remain an independent community-oriented financial institution, providing individual and business customers with value-driven products and services tailored to meet their needs.  With our convenient locations and banking hours along with our wide range of products and services, we make it easy to do business with CharterBank.  We do our best to provide each customer with "An Entirely New Banking Experience"

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