CASH 2018 Special Proxy Statement

• The pro forma financial impact of the merger on Meta based on certain assumptions relating to purchase accounting adjustments, cost savings and transaction expenses, as provided by the senior management of Meta, as well as financial projections for Crestmark for the years ending September 30, 2018 through September 30, 2021, as adjusted by the senior management of Meta; • The publicly reported historical price and trading activity for Meta common stock, including a comparison of certain stock market information for Meta common stock and certain stock indices as well as publicly available information for certain other similar companies, the securities of which are publicly traded; • A comparison of certain financial information for Crestmark and Meta with similar financial institutions for which information is publicly available; • The financial terms of certain recent business combinations in the banking industry (on a nationwide basis), to the extent publicly available; • The current market environment generally and the banking environment in particular; and • Such other information, financial studies, analyses and investigations and financial, economic and market criteria as Sandler O’Neill considered relevant. Sandler O’Neill also discussed with certain members of the management of Crestmark and its representatives the business, financial condition, results of operations and prospects of Crestmark and held similar discussions with certain members of the management of Meta and its representatives regarding the business, financial condition, results of operations and prospects of Meta. In performing its review, Sandler O’Neill relied upon the accuracy and completeness of all of the financial and other information that was available to and reviewed by Sandler O’Neill from public sources, that was provided to Sandler O’Neill by Crestmark or Meta or their respective representatives, or that was otherwise reviewed by Sandler O’Neill, and Sandler O’Neill assumed such accuracy and completeness for purposes of rendering its opinion without any independent verification or investigation. Sandler O’Neill relied on the assurances of the respective managements of Crestmark and Meta that they were not aware of any facts or circumstances that would make any of such information inaccurate or misleading. Sandler O’Neill has not been asked to and did not undertake an independent verification of any of such information and Sandler O’Neill did not assume any responsibility or liability for the accuracy or completeness thereof. Sandler O’Neill did not make an independent evaluation or perform an appraisal of the specific assets, the collateral securing assets or the liabilities (contingent or otherwise) of Crestmark or Meta or any of their respective subsidiaries, nor was Sandler O’Neill furnished with any such evaluations or appraisals. Sandler O’Neill rendered no opinion or evaluation on the collectability of any assets or the future performance of any loans of Crestmark or Meta. Sandler O’Neill did not make an independent evaluation of the adequacy of the allowance for loan losses of Crestmark or Meta, or of the combined entity after the merger, and Sandler O’Neill did not review any individual credit files relating to Crestmark or Meta. Sandler O’Neill assumed, with Crestmark’s consent, that the respective allowances for loan losses for both Crestmark and Meta were adequate to cover such losses and will be adequate on a pro forma basis for the combined entity. In preparing its analyses, Sandler O’Neill used certain internal financial projections for Crestmark for the years ending December 31, 2017 through December 31, 2021, as provided by the senior management of Crestmark. In addition, Sandler O’Neill used publicly available consensus mean analyst earnings per share estimates for Meta for the years ending September 30, 2018 and September 30, 2019, as well as long-term earnings per share estimates for the years ending September 30, 2020 through September 30, 2022 and estimated dividends per share for the years ending September 30, 2018 through September 30, 2022, as provided by the senior management of Meta. Sandler O’Neill also received and used in its pro forma analyses certain assumptions relating to purchase accounting adjustments, cost savings and transaction expenses, as provided by the senior management of Meta, as well as financial projections for Crestmark for the years ending 55