1382905--6/26/2008--Sugar_Creek_Financial

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{condition, economic, financial}

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{cost, contract, operation}

Changes in interest rates may hurt our earnings. A downturn in the local economy could hurt our profits. As a result of our concentration on one- to four-family residential real estate lending, a downturn in real estate values could hurt our profits. If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings will decrease. Strong competition within our market area could hurt our profits and slow growth. We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations. Issuance of shares for benefit programs may dilute your ownership interest. Additional expenses from our 2007 Equity Incentive Plan will adversely affect our profitability. Sugar Creek MHC s majority control of our common stock will enable it to exercise voting control over most matters put to a vote of stockholders and will prevent stockholders from forcing a sale or a second-step conversion transaction you may find advantageous. Office of Thrift Supervision policy on remutualization transactions could prevent acquisition of Sugar Creek Financial, which may adversely affect our stock price. Office of Thrift Supervision regulations and anti-takeover provisions in our charter restrict the accumulation of our common stock, which may adversely affect our stock price.

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1382905--6/26/2008--Sugar_Creek_Financial_Corp