Festivities continue each day through Saturday, August 9 from 9 a.m.-Noon, which are the bank's normal hours of operation every Saturday. Everyone is invited to attend the open-house style celebration, which will include free breakfast and refreshments. Children will join in the fun with face-painting, balloons and other activities.

An additional Grand Opening attraction includes a giveaway of two sets of Adams Golf clubs and bags (one men's and one women's) awarded in a blind draw on Saturday, August 9. The golf bags will be autographed by Lincicome, who is sponsored by Adams Golf and plays its clubs on tour.

Perhaps most appealing though to many attendees will be HomeBanc providing the first $50 in any new checking account opened, and awarding free $50 gas gift cards for those referring someone who opens up a checking account with the bank.

"We expect the Grand Opening to be very special," said HomeBanc's Community Bank President Rich Powers, who has 25 years of experience in the banking industry. "The Lakewood Ranch bank has been open for the past several weeks and has already proved to be a big hit in the community. The Grand Opening provides an opportunity for anyone interested in meeting our people and checking out our new bank to stop in for some fun, food and refreshments. And, we hope a good percentage of those will want to become HomeBanc customers."

Tammy Wilson, HomeBanc Vice President and Retail Branch Manager at Lakewood Ranch, said, "We are excited to be hosting the Lakewood Ranch Business Alliance and expect a very good turnout from its membership. We know those members and others from the community will enjoy meeting Brittany Lincicome, who is not only a world-class golf professional but also is a tremendously pleasant person and a great representative of HomeBanc."

HomeBanc's Lakewood Ranch bank is located at University Parkway near 1-75 and is open Monday through Thursday, 9 a.m.-5 p.m., 9 a.m.-6 p.m. Friday, and 9 a.m.-Noon Saturday. To reach the office by phone, contact (941)-806-1100. HomeBanc is known for offering its customers a different kind of banking experience. HomeBanc offers an array of retail products, along with commercial real estate and SBA loans, residential mortgage loans and home equity lines of credit. It is committed to exceeding customer-service expectations and making the company a Great Place to Work and a Great Place to Bank.

HomeBanc is a wholly-owned subsidiary of Tampa-based CNBS Financial Group, Inc., with full-service branch locations in Lake Mary and Lakewood Ranch offering retail, commercial and residential lending products, and loan production offices in Tampa, Lake Mary, St. Cloud, Brandon and Largo. The corporate headquarters of CNBS Financial Group is located on the 41st floor of the Bank of America Plaza building at 101 E. Kennedy Blvd. in downtown Tampa. More information on HomeBanc can be found at www.HomeBanc.com .

SOURCE HomeBanc

http://www.HomeBanc.com

These locations are HomeBanc's third and fourth full-service branches to open in the region, with others in Lakewood Ranch and Lake Mary. In addition to the loan-production office in Tampa, HomeBanc also operates loan-production offices in Lake Mary, Brandon and Belleair Bluffs.

HomeBanc is known for its "distinctive personal service," and provides its customers a different kind of banking experience -- delivering service that exceeds expectations. All HomeBanc customers are assigned a personal banker who works with them to easily and effectively handle their banking needs.

As an additional incentive to attract new customers, HomeBanc will offer a 120-day Money Market at a 5.00% yield -- Annual Percentage Rate is 4.92% -- when customers open a companion checking account starting September 5 for a limited time.

Mickey Schnoke, HomeBanc's Vice President, Retail Branch Manager, will lead the Rocky Point team. Schnoke can be reached at (813) 574-1479 or mickey.schnoke@homebanc.com. Jonathan Matos, HomeBanc's Vice President, Retail Branch Manager, will oversee the team and all activities at the Bromley Building location. Matos can be reached at (813) 549-4690 or jonathan.matos@homebanc.com.

Jerry Campbell, Chairman, President and CEO of HomeBancorp, Inc., parent company of HomeBanc, said, "Everything we do at HomeBanc is geared toward exceeding our customers' expectations and providing them a better kind of banking experience. We're eagerly anticipating the opportunity to offer the HomeBanc experience to everyone who lives or works in Tampa, Clearwater, St. Petersburg and surrounding areas."

HomeBanc is a wholly-owned subsidiary of Tampa-based HomeBancorp, Inc. The corporate headquarters of HomeBancorp, Inc. is located on the 41st floor of the Bank of America Plaza building at 101 E. Kennedy Blvd. in downtown Tampa. More information on HomeBanc can be found at www.HomeBanc.com .

SOURCE HomeBanc

http://www.HomeBanc.com

A spreadsheet detailing Fitch's rating actions on the transactions in question is available on the Fitch Ratings web site at www.fitchratings.com under the following headers:

Structured Finance then RMBS then Research Highlights

The rating actions taken today reflect Fitch's analysis of expected default and loss from delinquent loans, in addition to projected losses from the currently performing pool. Fitch generates its expectations using its ResiLogic default and loss model. These expectations are adjusted based on actual performance to-date versus model projected performance. The model incorporates the impact of historical home price movements on mortgage performance, in addition to projecting further stress for many regions of the U.S. The model also reflects the demonstrated high default rates for loans that exhibit risk-layering.

Fitch is nearing completion of its review of the 2005-2007 Alt-A transactions. This review was completed in two separate phases. The first phase reviewed all mezzanine and subordinated bonds. The second phase, which is nearly completed, reviewed the senior bonds that, in many instances, required additional cash flow analysis to evaluate the risk of the various individual classes within the senior tranche. Most notably, the use of super-senior structures was considered in evaluating senior bonds.

Additional details are available in the following reports, also available at www.fitchratings.com under:

Structured Finance then RMBS then Special Reports

--'U.S. RMBS Alt-A Surveillance Criteria for Recent Vintages' (May 29, 2008):

--'Drivers of 2006-2007 Alt-A Collateral Performance' (May 7, 2008);

--'U.S. Alt-A RMBS Performance Deteriorating Rapidly, Fitch Initiates Extensive' (Mar. 6, 2008);

--'Alt A Bonds Placed on Rating Watch Negative - Amended' (Mar. 20, 2008).

Further information regarding current delinquency, loss, and credit enhancement statistics is also available at www.fitchratings.com.

Fitch's rating definitions and the terms of use of such ratings are available on the agency's public site, www.fitchratings.com. Published ratings, criteria and methodologies are available from this site, at all times. Fitch's code of conduct, confidentiality, conflicts of interest, affiliate firewall, compliance and other relevant policies and procedures are also available from the 'Code of Conduct' section of this site.

SOURCE: Fitch Ratings

Fitch Ratings, New York
Tara Sweeney, +1-212-908-0347
Michele Patterson, +1-212-908-0779
Sandro Scenga, +1-212-908-0278 (Media Relations)

HomeBanc has full-service branch locations in Lake Mary and Lakewood Ranch offering retail, commercial and residential lending products, and loan production offices in Tampa, Lake Mary, Brandon and Belleair Bluffs. The corporate headquarters of HomeBancorp, Inc. is located on the 41st floor of the Bank of America Plaza building at 101 E. Kennedy Blvd. in downtown Tampa. More information on HomeBanc can be found at www.HomeBanc.com .

SOURCE HomeBancorp, Inc.

http://www.HomeBanc.com