Franklin Bank Corp. (the Company) (NasdaqNM: FBTX), founded in August 2001.  The primary businesses of the Company’s wholly owned subsidiary, Franklin Bank SSB (the Bank) include community banking, mortgage banking, residential construction, and mortgage banker finance. The bank currently operates 13 full service community banking branches; 4 are located in the outlying areas surrounding Austin, Texas, and 9 are located in the Tyler/Jacksonville area, two regional residential construction lending offices, in Florida and Arizona, and 38 retail mortgage offices in 16 states throughout the United States of America, including Texas and a regional wholesale origination office in California. Through the bank, Franklin Bank Corp. originates single-family residential mortgages loans, provide community banking products and services, originate residential construction loans and provide mortgage banker finance products and services. “We bank with people who are buying or reselling homes, so we originate purchase money mortgages.” Offers Mr. Anthony Nocella, president and CEO of Franklin Bank Corp., “That is our basic business and that doesn’t fluctuate as wildly. We are offering the services to each area, as you go through the process.   From the community bank where you walk into the bank and make a mortgage, and if you were in Phoenix, Florida, Las Vegas, Atlanta, or California, we have established relationships with people who have been in this business for many years, and in some cases over twenty years. The average person at Franklin has worked together for ten to twelve years and we all are doing the same thing we have been doing. We are serving the same commercial banking customers that we always have.” Asked to comment on the economy in the geographic area that they service, Mr. Nocella tells us, “The economy is very good. The smaller community population growth is quite substantial.   One of the acquisitions that we did was Jacksonville bank, which grew at fourteen-and-a-half percent over the last five years. The deposit growth over the last five years has been substantial; when you take a look at the metropolitan areas, most of the deposit franchises have negative growth, and that is because of the tremendous competition. Here, the market share of the institutions that we acquire will grow with the population due to our philosophy of managing the institutions.” “We believe any of the institutions that we want to buy have done a great job in the community and the owners and directors should stay in some capacity.” Continues Mr. Nocella, sharing some thoughts on the reason for the Company’s acquisition strategy, “We created advisory boards, which allow us to continue to prospect for new opportunities and new employees and customers in the community. We are going to continue the community bank philosophy and name and just provide capital, a better technology, and more products.” Addressing investors Mr. Nocella states, “It starts off with management; we are the same management team that created a tremendous return for our investors at Bank United. We have a technology platform that is state-of-the-art, and was just put together; this couldn’t have been put together just a couple years ago because of the changes in banking technology. We have the same customers, management team and the same returns as well as the same goals and the same people. We have been doing it and we are going to do it again.”

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