Greater Atlantic Financial Corp. is the holding company for Greater Atlantic Bank, a federally-chartered savings bank. We offer traditional banking services to customers through our bank branches located throughout the greater Washington, DC metropolitan area. Greater Atlantic Financial Corp. had approximately $230 million in assets at March 31, 2007.

Summit Financial Group, Inc. has filed a registration statement containing a prospectus-proxy statement that will be sent to shareholders of Greater Atlantic Financial Corp. and other relevant documents concerning the proposed merger with the U.S. Securities and Exchange Commission (the "SEC"). WE URGE SHAREHOLDERS TO READ THE PROSPECTUS-PROXY STATEMENT TO BE SENT TO THEM, AND ANY OTHER RELEVANT DOCUMENTS FILED BY SUMMIT FINANCIAL GROUP, INC. AND GREATER ATLANTIC FINANCIAL CORP. WITH THE SEC BECAUSE THEY CONTAIN IMPORTANT INFORMATION.

Investors are able to obtain these documents free of charge at the SEC's web site (http://www.sec.gov). In addition, documents that Summit Financial Group, Inc. files with the SEC are available free of charge at its web site (http://www.summitfgi.com) and from the Investors Relations Department, Summit Financial Group, 300 North Main Street, Moorefield, West Virginia 26836. Documents that Greater Atlantic Financial Corp. files with the SEC are available free of charge at its web site (http://www.gab.com) and from the Corporate Secretary, Greater Atlantic Financial Corp., 10700 Parkridge Boulevard, Reston, Virginia 20191.

The directors, executive officers, and certain other members of management of Greater Atlantic Financial Corp. may be soliciting proxies in favor of the proposed merger from the shareholders of Greater Atlantic Financial Corp. For information about these directors, executive officers, and other members of management, shareholders are asked to refer to the most recent proxy statement that Greater Atlantic Financial Corp. has issued, which is available on its web site or at the address provided in the preceding paragraph.

SOURCE Greater Atlantic Financial Corp.

http://www.gab.com

SOURCE: Ambac Financial Group, Inc.

Ambac Financial Group, Inc.
Investor/Media:
Vandana Sharma, 212-208-3333
vsharma@ambac.com
or
Fixed Income:
Peter Poillon, 212-208-3222
ppoillon@ambac.com

Ambac Financial Group, Inc., headquartered in New York City, is a holding company whose affiliates provide financial guarantees and financial services to clients in both the public and private sectors around the world. Ambac's principal operating subsidiary, Ambac Assurance Corporation, a guarantor of public finance and structured finance obligations, has earned triple-A ratings from Moody's Investors Service, Inc. and a double-A rating from Standard & Poor's Ratings Services; Standard & Poor's maintains a credit watch negative while Moody's ratings is on review for possible downgrade. Ambac Financial Group, Inc. common stock is listed on the New York Stock Exchange (ticker symbol ABK).

SOURCE: Ambac Financial Group, Inc.

Ambac Financial Group, Inc.
Investor/Media:
Vandana Sharma, 212-208-3333
vsharma@ambac.com
or
Fixed Income:
Peter Poillon, 212-208-3222
ppoillon@ambac.com

During the past 30 years, Mr. DeRosa has served in a variety of positions, starting as a research economist at the Federal Reserve Bank of New York. In 1975, he joined Citibank NA., where he was responsible for developing Citibank's business in financial derivatives in the early 1980's and was also the head of the bank's proprietary bond trading. In addition to his line responsibilities, Mr. DeRosa authored Citibank's interest rate risk management system, which subsequently became the model for the system adopted by the BIS. Mr. DeRosa then co-founded Eastbridge Capital Inc., a bond trading company and primary dealer in United Treasury bonds, becoming CEO of the holding company in 1995. He joined Mt. Lucas in 1998.

Mr. DeRosa holds a PhD from Columbia University and is the author of several books and articles on subjects in economics.

Ambac Financial Group, Inc., headquartered in New York City, is a holding company whose affiliates provide financial guarantees and financial services to clients in both the public and private sectors around the world. Ambac's principal operating subsidiary, Ambac Assurance Corporation, a guarantor of public finance and structured finance obligations, has earned a Aa3 rating from Moody's Investors Service, Inc. and a AA rating from Standard & Poor's Ratings Services; Moody's rating is on negative outlook while Standard & Poor's maintains a credit watch negative. Ambac Financial Group, Inc. common stock is listed on the New York Stock Exchange (ticker symbol ABK).

SOURCE: Ambac Financial Group, Inc.

Ambac Financial Group, Inc.
Investors / Media:
Vandana Sharma, 212-208-3333
vsharma@ambac.com
or
Fixed Income:
Peter Poillon, 212-208-3222
ppoillon@ambac.com