HBOS / Heritage Financial Group Inc - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Heritage Financial Group Inc
US
HINDI NA ACTIVE ANG SIMBONG ITO

Mga Batayang Estadistika
CIK 1493491
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Heritage Financial Group Inc
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
May 18, 2015 425

Renasant 8-K (Prospectus)

Form8-KStockholder litigationHBOS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

May 11, 2015 EX-12.1

Three months

EXHIBIT 12.1 Three months Ended March 31, Years Ended December 31, Ratio of Earnings to Fixed Charges: 2015 2014 2013 2012 2011 2010 (dollars in thousands) Earnings: Income (loss) before income taxes $ 5,931 $ 10,822 $ 15,994 $ 9,342 $ 4,925 $ 1,099 Fixed charges 2,688 8,818 7,800 7,942 10,531 8,314 Total Earnings $ 8,619 $ 19,640 $ 23,794 $ 17,284 $ 15,456 $ 9,413 Fixed charges: Interest expense

May 11, 2015 10-Q

HBOS / Heritage Financial Group Inc 10-Q - Quarterly Report - 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2015 Commission File Number 001-34902 HERITAGE FINANCIAL GROUP, INC. (A Maryland Corporation) IRS Employer Identification Number 38-3814230 721 N. Westover Blvd., Albany, GA 31707 229-420-0

May 4, 2015 EX-99.1

Second Quarter 2015 Investor Presentation This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Congress passed the Private Securities Litigation Act of 1995 in an effort to

renasantinvestorpresenta Second Quarter 2015 Investor Presentation This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

May 4, 2015 425

Renasant 8-K (Prospectus)

Form8-K2Q15 Investor Presentation UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 13, 2015 425

Renasant 8-K (Prospectus)

8KAnnouncementofRegApprovalHBOS UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 13, 2015 EX-99.1

Contacts: For Media: For Financials: John Oxford Kevin Chapman Vice President Executive Vice President Director of Corp Communications Chief Financial Officer (662) 680-1219 (662) 680-1450 [email protected] [email protected] Renasant Corporati

RenasantHeritageregulatoryapprovalpressrelease Exhibit 99.1 Contacts: For Media: For Financials: John Oxford Kevin Chapman Vice President Executive Vice President Director of Corp Communications Chief Financial Officer (662) 680-1219 (662) 680-1450 [email protected] [email protected] Renasant Corporation Announces Receipt of Regulatory Approval for Merger of Heritage Financial Group, Inc. T

February 23, 2015 SC 13G

HBOS / Heritage Financial Group Inc / Brown Trout Management, LLC - SC 13G Passive Investment

SC 13G SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. ) Heritage Financial Group, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 42726X102 (CUSIP Number) February 19, 2015 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the ru

February 23, 2015 EX-99.B

Due to the relationships between them, the Reporting Persons hereunder may be deemed to constitute a “group” with one another for purposes of Section 13(d)(3) of the Securities Exchange Act of 1934.

EX-99.B Exhibit B Due to the relationships between them, the Reporting Persons hereunder may be deemed to constitute a “group” with one another for purposes of Section 13(d)(3) of the Securities Exchange Act of 1934.

February 23, 2015 EX-99.A

Joint Filing Agreement

EX-99.A Exhibit A Joint Filing Agreement The undersigned agree that this Schedule 13G, and all amendments thereto, relating to the Common Stock of Heritage Financial Group, Inc. shall be filed on behalf of the undersigned. /s/ STEVEN R. GERBEL Steven R. Gerbel BROWN TROUT MANAGEMENT, LLC Name: Steven R. Gerbel Title: Managing Member

February 17, 2015 SC 13G/A

HBOS / Heritage Financial Group Inc / JACOBS SY Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 17, 2015 SC 13G/A

HBOS / Heritage Financial Group Inc / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Amendment No. 1) Under the Securities Exchange Act of 1934 Heritage Financial Group, Inc. (Name of Issuer) Common Stock, $0.01 par value (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2014 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule

February 17, 2015 SC 13G/A

HBOS / Heritage Financial Group Inc / ENDEAVOUR CAPITAL ADVISORS INC - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G/A (Amendment No. 1)* Under the Securities Exchange Act of 1934 Heritage Financial Group, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2014 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule purs

February 13, 2015 SC 13G/A

HBOS / Heritage Financial Group Inc / Clover Partners, L.P. - SC 13G/A Passive Investment

SC 13G/A 1 d873129dsc13ga.htm SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G/A (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) Heritage Financial Group, Inc. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities)

February 13, 2015 SC 13G/A

HBOS / Heritage Financial Group Inc / Heritage Financial Group Inc - HERITAGE FINANCIAL GROUP INC SC 13GA NO 4 12-31-2014 (HERITAGE FINANCIAL GROUP ESOP) Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 (AMENDMENT NO. 4) SCHEDULE 13G Under the Securities Exchange Act of 1934 Heritage Financial Group, Inc. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2014 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

February 13, 2015 EX-99.1

JOINT FILING AGREEMENT

EX-99.1 Exhibit 1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Shares of Heritage Financial Group, Inc., and further agree that this Joint Filing Agreement shall be

February 12, 2015 425

HBOS / Heritage Financial Group Inc 425 - Merger Prospectus - HERITAGE FINANCIAL GROUP, INC 8-K 2-12-2015

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 12, 2015 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (C

February 12, 2015 SC 13G/A

HBOS / Heritage Financial Group Inc / Wellington Management Group LLP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* Heritage Financial Group, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2014 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to wh

February 12, 2015 EX-99.1

First Quarter 2015 Investor Presentation Current Footprint Over 125 banking, lending, financial services and insurance offices 3 4 Enhance Profitability Capitalize on Opportunities Aggressively Manage Problem Credits Build Capital Ratios Focus on hig

Exhibit 99.1 First Quarter 2015 Investor Presentation Forward Looking Statement This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Congress passed the Private Securities Litigation Act of 1995 in an effort to encourage corporations to provide information about companies’ anticipated future financial performance. This ac

February 12, 2015 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 12, 2015 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (C

February 12, 2015 EX-99.1

First Quarter 2015 Investor Presentation Current Footprint Over 125 banking, lending, financial services and insurance offices 3 4 Enhance Profitability Capitalize on Opportunities Aggressively Manage Problem Credits Build Capital Ratios Focus on hig

Exhibit 99.1 First Quarter 2015 Investor Presentation Forward Looking Statement This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Congress passed the Private Securities Litigation Act of 1995 in an effort to encourage corporations to provide information about companies’ anticipated future financial performance. This ac

February 11, 2015 425

RNST / Renasant Corp. 425 - Merger Prospectus - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 February 11, 2015 Date of report (Date of earliest event reported) RENASANT CORPORATION (Exact name of registrant as specified in its charter) Mississippi 001-13253 64-0676974 (State or other jurisdiction of incorporation) (Commissio

February 11, 2015 EX-99.1

First Quarter 2015 Investor Presentation This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Congress passed the Private Securities Litigation Act of 1995 in an effort to e

a1stquarter2015investorp First Quarter 2015 Investor Presentation This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

January 30, 2015 425

HBOS / Heritage Financial Group Inc 425 - Merger Prospectus - HERITAGE FINANCIAL GROUP, INC. 425 1-30-2015

Filed by Heritage Financial Group, Inc. Pursuant to Rule 425 under the Securities Act of 1933 and deemed filed Pursuant to Rule 14a-12 under the Securities Exchange Act of 1934 Subject Company: Heritage Financial Group, Inc. Commission File No. 001-34902 This communication is being made in respect of the proposed merger between Renasant Corporation (“Renasant”) and Heritage Financial Group, Inc. (

January 22, 2015 EX-99.1

Heritage financial group, Inc. reports FOURTH QUARTER NET INCOME OF $2.5 MILLION OR $0.28 PER DILUTED SHARE COMPANY DECLARES QUARTERLY CASH DIVIDEND OF $0.07 PER SHARE

For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 Heritage financial group, Inc. reports FOURTH QUARTER NET INCOME OF $2.5 MILLION OR $0.28 PER DILUTED SHARE COMPANY DECLARES QUARTERLY CASH DIVIDEND OF $0.07 PER SHARE Albany, Ga. (January 22, 2015) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for Herit

January 22, 2015 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 22, 2015 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-349

December 16, 2014 8-K/A

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 30, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001

December 16, 2014 EX-99.3

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

Exhibit 99.3 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial statements are based on the separate historical financial statements of Heritage and Alarion after giving effect to the Merger and the issuance of Heritage common stock in connection therewith, and the assumptions and adjustments described in the accompanying not

December 16, 2014 8-K/A

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 30, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001

December 16, 2014 EX-99.1

UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION

Exhibit 99.1 UNAUDITED PRO FORMA CONDENSED COMBINED FINANCIAL INFORMATION The following unaudited pro forma condensed combined financial statements are based on the separate historical financial statements of Heritage and Alarion after giving effect to the Merger and the issuance of Heritage common stock in connection therewith, and the assumptions and adjustments described in the accompanying not

December 16, 2014 EX-99.2

ALARION FINANCIAL SERVICES, INC. AND SUBSIDIARIES

Exhibit 99.2 ALARION FINANCIAL SERVICES, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (Dollars in Thousands) Unaudited September, December 31, 2014 2013 Assets Cash and due from banks $ 3,837 $ 5,693 Interest-bearing deposits in banks 293 235 Federal funds sold 430 35 Total cash and cash equivalents 4,560 5,963 Securities available for sale, at fair value 39,362 43,067 Loans, net allowance fo

December 16, 2014 EX-99.2

ALARION FINANCIAL SERVICES, INC. AND SUBSIDIARIES

EX-99.2 4 hbos-20140930ex9923870c3.htm EX-99.2 Exhibit 99.2 ALARION FINANCIAL SERVICES, INC. AND SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (Dollars in Thousands) Unaudited September, December 31, 2014 2013 Assets Cash and due from banks $ 3,837 $ 5,693 Interest-bearing deposits in banks 293 235 Federal funds sold 430 35 Total cash and cash equivalents 4,560 5,963 Securities available for sale, at f

December 15, 2014 EX-2.1

AGREEMENT AND PLAN OF MERGER BY AND AMONG RENASANT CORPORATION, RENASANT BANK, HERITAGE FINANCIAL GROUP, INC., HERITAGEBANK OF THE SOUTH DATED DECEMBER 10, 2014

Ex 21 Merger Agreement Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND AMONG RENASANT CORPORATION, RENASANT BANK, HERITAGE FINANCIAL GROUP, INC., AND HERITAGEBANK OF THE SOUTH DATED DECEMBER 10, 2014 TABLE OF CONTENTS Page ARTICLE I THE MERGER 1 1.1 The Merger 1 1.2 Effective Time 2 1.3 The Articles of Incorporation and Bylaws of the Surviving Corporation 2 1.4 Directors and Officers 2 1.5 Effect

December 15, 2014 EX-99.1

Transcript of Investor Conference Call held on December 11, 2014:

EX-99.1 Exhibit 99.1 Transcript of Investor Conference Call held on December 11, 2014: OPERATOR: Good morning and welcome to the Renasant Corporation Investor Relations Conference Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions] After today’s presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being

December 15, 2014 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34

December 15, 2014 EX-2.1

AGREEMENT AND PLAN OF MERGER BY AND AMONG RENASANT CORPORATION, RENASANT BANK, HERITAGE FINANCIAL GROUP, INC., HERITAGEBANK OF THE SOUTH DATED DECEMBER 10, 2014 TABLE OF CONTENTS Page ARTICLE I THE MERGER 1 1.1 The Merger 1 1.2 Effective Time 2 1.3 T

EX-2.1 Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND AMONG RENASANT CORPORATION, RENASANT BANK, HERITAGE FINANCIAL GROUP, INC., AND HERITAGEBANK OF THE SOUTH DATED DECEMBER 10, 2014 TABLE OF CONTENTS Page ARTICLE I THE MERGER 1 1.1 The Merger 1 1.2 Effective Time 2 1.3 The Articles of Incorporation and Bylaws of the Surviving Corporation 2 1.4 Directors and Officers 2 1.5 Effect of the Mergers 3

December 15, 2014 EX-99.1

Transcript of Investor Conference Call held on December 11, 2014:

Ex 991 Transcript of Merger Call Exhibit 99.1 Transcript of Investor Conference Call held on December 11, 2014: OPERATOR: Good morning and welcome to the Renasant Corporation Investor Relations Conference Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please

December 15, 2014 425

HBOS / Heritage Financial Group Inc 425 - Merger Prospectus - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34

December 15, 2014 425

RNST / Renasant Corp. 425 - Merger Prospectus - 8-K

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 December 10, 2014 Date of report (Date of earliest event reported) RENASANT CORPORATION (Exact name of registrant as specified in its charter) Mississippi 001-13253 64-0676974 (State or other jurisdiction of incorporation) (Commi

December 15, 2014 EX-99.1

Transcript of Investor Conference Call held on December 11, 2014:

Exhibit 99.1 Transcript of Investor Conference Call held on December 11, 2014: OPERATOR: Good morning and welcome to the Renasant Corporation Investor Relations Conference Call and Webcast. All participants will be in a listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note this event is being recorde

December 15, 2014 EX-2.1

AGREEMENT AND PLAN OF MERGER BY AND AMONG RENASANT CORPORATION, RENASANT BANK, HERITAGE FINANCIAL GROUP, INC., HERITAGEBANK OF THE SOUTH DATED DECEMBER 10, 2014

EX-2.1 2 hbos-20141210ex217c80530.htm EX-2.1 Exhibit 2.1 AGREEMENT AND PLAN OF MERGER BY AND AMONG RENASANT CORPORATION, RENASANT BANK, HERITAGE FINANCIAL GROUP, INC., AND HERITAGEBANK OF THE SOUTH DATED DECEMBER 10, 2014 TABLE OF CONTENTS Page ARTICLE I THE MERGER 1 1.1 The Merger 1 1.2 Effective Time 2 1.3 The Articles of Incorporation and Bylaws of the Surviving Corporation 2 1.4 Directors and

December 11, 2014 425

RNST / Renasant Corp. 425 - Merger Prospectus - 8-K

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 December 10, 2014 Date of report (Date of earliest event reported) RENASANT CORPORATION (Exact name of registrant as specified in its charter) Mississippi 001-13253 64-0676974 (State or other jurisdiction of incorporation) (Commi

December 11, 2014 8-K

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34

December 11, 2014 EX-99.1

EX-99.1

1 2 3 4 5 6 7 8 9

December 11, 2014 EX-99.2

EX-99.2

December 11, 2014 EX-99.1

Renasant Corporation and Heritage Financial Group, Inc. Announce Definitive Merger Agreement

EX-99.1 2 hbos-20141210ex9911c3891.htm EX-99.1 Renasant Corporation and Heritage Financial Group, Inc. Announce Definitive Merger Agreement TUPELO, MS and ALBANY, GA (December 10, 2014) – Renasant Corporation (NASDAQ: RNST) and Heritage Financial Group, Inc. (NASDAQ: HBOS) jointly announced today the signing of a definitive merger agreement pursuant to which Renasant Corporation (“Renasant” or “th

December 11, 2014 EX-99.2

EX-99.2

Exhibit 99.2

December 11, 2014 EX-99.1

Company Overview

EX-99.1 Renasant Renasant Company Overview Company Overview Exhibit 99.1 2 This presentation contains forward looking statements with respect to the financial condition, results of operations and business of Renasant Corporation (“Renasant”). These forward looking statements include, but are not limited to, statements about Renasant’s plans, objectives, expectations and intentions and other statem

December 11, 2014 425

HBOS / Heritage Financial Group Inc 425 - Merger Prospectus - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34

December 11, 2014 8-K

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34

December 11, 2014 425

HBOS / Heritage Financial Group Inc 425 - Merger Prospectus - 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 10, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34

December 11, 2014 425

RNST / Renasant Corp. 425 - Merger Prospectus - 8-K

8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934 December 10, 2014 Date of report (Date of earliest event reported) RENASANT CORPORATION (Exact name of registrant as specified in its charter) Mississippi 001-13253 64-0676974 (State or other jurisdiction of incorporation) (Commi

December 11, 2014 EX-99.1

Renasant Corporation and Heritage Financial Group, Inc. Announce Definitive Merger Agreement

Renasant Corporation and Heritage Financial Group, Inc. Announce Definitive Merger Agreement TUPELO, MS and ALBANY, GA (December 10, 2014) – Renasant Corporation (NASDAQ: RNST) and Heritage Financial Group, Inc. (NASDAQ: HBOS) jointly announced today the signing of a definitive merger agreement pursuant to which Renasant Corporation (“Renasant” or “the Company”) will acquire, in an all-stock merge

December 11, 2014 EX-99.2

EX-99.2

December 11, 2014 EX-99.1

Renasant Corporation and Heritage Financial Group, Inc. Announce Definitive Merger Agreement

EX-99.1 Exhibit 99.1 Renasant Corporation and Heritage Financial Group, Inc. Announce Definitive Merger Agreement TUPELO, MS and ALBANY, GA (December 10, 2014) – Renasant Corporation (NASDAQ: RNST) and Heritage Financial Group, Inc. (NASDAQ: HBOS) jointly announced today the signing of a definitive merger agreement pursuant to which Renasant Corporation (“Renasant” or “the Company”) will acquire,

December 11, 2014 EX-99.2

EX-99.2

Exhibit 99.2

December 11, 2014 EX-99.2

Understanding You

EX-99.2 Exhibit 99.2 Exhibit 99.2 Understanding You HISTORY OF STRENGTH Founded in 1904 in Tupelo, Mississippi, Renasant Bank is one of the South’s oldest financial institutions. During the past 10 years, Renasant has expanded into markets which include Memphis, TN (2004), Birmingham, Huntsville, and Decatur, AL (2005), Nashville, TN (2007), Northern Georgia (2010,) Tuscaloosa and Montgomery, AL (

December 11, 2014 EX-99.2

Merger of Renasant Corporation (RNST)

EX-99.2 Exhibit 99.2 Merger of Renasant Corporation (RNST) and Heritage Financial Group, Inc. (HBOS) December 10, 2014 Forward Looking Statement This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Congress passed the Private Securities Litigation Act of 1995 in an effort to encourage companies to provide information abou

December 11, 2014 EX-99.1

EX-99.1

1 2 3 4 5 6 7 8 9

October 29, 2014 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-349

October 29, 2014 EX-99.1

Heritage financial group, Inc. reports THIRD QUARTER NET INCOME INCREASES 48% TO $2.0 MILLION OR $0.26 PER DILUTED SHARE COMPANY DECLARES QUARTERLY CASH DIVIDEND OF $0.07 PER SHARE

For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 Heritage financial group, Inc. reports THIRD QUARTER NET INCOME INCREASES 48% TO $2.0 MILLION OR $0.26 PER DILUTED SHARE COMPANY DECLARES QUARTERLY CASH DIVIDEND OF $0.07 PER SHARE Albany, Ga. (October 29, 2014) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding comp

October 16, 2014 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 16, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-349

October 16, 2014 EX-10.1

EMPLOYMENT AGREEMENT

Exhibit 10.1 EMPLOYMENT AGREEMENT THIS EMPLOYMENT AGREEMENT (the “Agreement”), is entered into as of the 16th day of October, 2014, by and between HERITAGEBANK OF THE SOUTH (the “Bank”) and BRIAN D. SCHMITT (“Employee”). WHEREAS, the Bank desires to employ Employee and the Employee desires to accept employment with the Bank as its Atlanta Market CEO, holding the title of Executive Vice President o

October 16, 2014 EX-99.1

Heritage financial group, Inc. NAMES BRIAN SCHMITT EVP, ATLANTA MARKET CEO and Director of Mergers & Acquisitions

Exhibit 99.1 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 Heritage financial group, Inc. NAMES BRIAN SCHMITT EVP, ATLANTA MARKET CEO and Director of Mergers & Acquisitions Albany, Ga. (October 16, 2014) – Heritage Financial Group, Inc. (“Heritage” or the “Company,” NASDAQ: HBOS), the holding company for HeritageBank of t

October 8, 2014 EX-99.2

EX-99.2

Exhibit 99.2

October 8, 2014 EX-99.1

Heritage financial group, Inc. agrees to purchase METRO Atlanta BRANCH FROM The PrivateBank

Exhibit 99.1 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 Heritage financial group, Inc. agrees to purchase METRO Atlanta BRANCH FROM The PrivateBank Albany, Ga. (October 8, 2014) – Heritage Financial Group, Inc. ("Heritage" or the "Company," NASDAQ: HBOS), the holding company for HeritageBank of the South ("HeritageBank

October 8, 2014 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 7, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-3490

October 8, 2014 EX-2.1

BRANCH SALE AGREEMENT The PRivatebank and trust company 120 South LaSalle Street Chicago, Illinois 60603 HERITAGEBANK OF THE SOUTH 721 Westover Boulevard Albany, Georgia 31721 October 7, 2014

Exhibit 2.1 BRANCH SALE AGREEMENT between The PRivatebank and trust company 120 South LaSalle Street Chicago, Illinois 60603 and HERITAGEBANK OF THE SOUTH 721 Westover Boulevard Albany, Georgia 31721 October 7, 2014 Table of Contents Page Transfer of Assets, Liabilities and Deposits1 Closing and Closing Date2 Payment3 Transfer of Leasehold Interest5 Seller’s Closing Documents5 Buyer’s Closing Docu

October 2, 2014 EX-99.1

heritage Financial Group, Inc. Completes ACQUISITION OF ALARION FINANCIAL SERVICES, INC.

Exhibit 99.1 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 heritage Financial Group, Inc. Completes ACQUISITION OF ALARION FINANCIAL SERVICES, INC. Albany, Ga. (October 1, 2014) – Heritage Financial Group, Inc. ("Heritage" or the "Company," NASDAQ: HBOS), the holding company for HeritageBank of the South ("HeritageBank"),

October 2, 2014 8-K

Regulation FD Disclosure, Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year, Financial Statements and Exhibits, Completion of Acquisition or Disposition of Assets, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 29, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-3

October 2, 2014 EX-3.1

HERITAGE FINANCIAL GROUP, INC. ARTICLES SUPPLEMENTARY

Exhibit 3.1 HERITAGE FINANCIAL GROUP, INC. ARTICLES SUPPLEMENTARY Heritage Financial Group, Inc., a Maryland corporation (the “Company”), hereby certifies to the Maryland State Department of Assessments and Taxation that: FIRST: Pursuant to authority contained in the Company’s Articles of Incorporation, the Board of Directors of the Company has duly classified Six Thousand Five Hundred Fourteen (6

September 15, 2014 DEFM14A

HBOS / Heritage Financial Group Inc DEFM14A - - DEFM14A

DEFM14A Table of Contents Index to Financial Statements UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

September 4, 2014 PREM14A

HBOS / Heritage Financial Group Inc PREM14A - - PREM14A

Table of Contents Index to Financial Statements UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

August 29, 2014 8-K

Current Report

8-K 1 hbos-20140829x8k.htm 8-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 29, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorpora

August 29, 2014 EX-99

heritage Financial Group, Inc. to submit alarion acquisition to its stockholders for APPROVAL

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 heritage Financial Group, Inc. to submit alarion acquisition to its stockholders for APPROVAL Albany, Ga. (August 29, 2014) – Heritage Financial Group, Inc. ("Heritage" or the "Company," NASDAQ: HBOS), the holding company for HeritageBank of the South ("HeritageBank

July 25, 2014 8-K

Current Report

8-K 1 form8k.htm HERITAGE FINANCIAL GROUP INC 8-K 7-24-2014 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 24, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3

July 25, 2014 424B3

ANNUAL COMMUNITY

424B3 15 TH ANNUAL COMMUNITY BANK INVESTOR CONFERENCE T. Heath Fountain Chief Financial Officer David A. Durland Chief Banking Officer New York, July 29 & 30, 2014 Filed pursuant to Rule 424(b)(3) Registration Statement No. 333-196396 1 Cautionary Statements This presentation contains forward-looking statements about future financial performance, business plans and strategies of Heritage Financial

July 25, 2014 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS SECOND QUARTER NET INCOME OF $1.8 MILLION OR $0.23 PER DILUTED SHARE COMPANY DECLARES QUARTERLY CASH DIVIDEND OF $0.07 PER SHARE

EX-99 2 ex99.htm EXHIBIT 99 EXHIBIT 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS SECOND QUARTER NET INCOME OF $1.8 MILLION OR $0.23 PER DILUTED SHARE COMPANY DECLARES QUARTERLY CASH DIVIDEND OF $0.07 PER SHARE ALBANY, Ga. (July 24, 2014) – Heritage Financial Group, Inc. (NASDAQ:

July 3, 2014 424B3

PROPOSED MERGER OF HERITAGE FINANCIAL GROUP, INC. AND ALARION FINANCIAL SERVICES, INC.

424B3 Table of Contents Index to Financial Statements Filed Pursuant to Rule 424(b)(3) Registration Statement No.

June 30, 2014 11-K

HBOS / Heritage Financial Group Inc 11-K - - HERITAGE FINANCIAL GROUP INC 11-K 12-31-2013

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2013 Commission File No. 000-51305 HERITAGEBANK OF THE SOUTH 401(k) PLAN (Full title of the plan) HERITAGE FINANCIAL GROUP, INC (Name of issuer of the securities held pursuant to the plan) 721 North W

June 3, 2014 8-K

Submission of Matters to a Vote of Security Holders - HERITAGE FINANCIAL GROUP, INC 8-K 5-28-2014

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 28, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34902 (Commission File N

May 30, 2014 EX-99.1

REVOCABLE PROXY ALARION FINANCIAL SERVICES, INC. One Northeast First Ave. Ocala, Florida 34470 SPECIAL MEETING OF SHAREHOLDERS APPOINTMENT OF PROXY SOLICITED BY BOARD OF DIRECTORS

EX-99.1 Exhibit 99.1 REVOCABLE PROXY ALARION FINANCIAL SERVICES, INC. One Northeast First Ave. Ocala, Florida 34470 SPECIAL MEETING OF SHAREHOLDERS APPOINTMENT OF PROXY SOLICITED BY BOARD OF DIRECTORS The undersigned hereby appoints the members of the board of directors of Alarion Financial Services, Inc., or any of them, as attorneys and proxies (the “Proxies”), with full power of substitution, t

May 30, 2014 SC 13G

HBOS / Heritage Financial Group Inc / EJF Capital LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Heritage Financial Group Inc. (Name of Issuer) Common Stock, $0.01 par value (Title of Class of Securities) 42726X102 (CUSIP Number) May 23, 2014 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this

May 30, 2014 EX-12.1

HERITAGE FINANCIAL GROUP, INC. AND SUBSIDIARY Three months Ended March 31, Years Ended December 31, Ratio of Earnings to Fixed Charges: 2014 2013 2012 2011 2010 2009 (dollars in thousands) Earnings: Income (loss) before income taxes $ 1,812 $ 15,994

EX-12.1 EXHIBIT 12.1 HERITAGE FINANCIAL GROUP, INC. AND SUBSIDIARY Three months Ended March 31, Years Ended December 31, Ratio of Earnings to Fixed Charges: 2014 2013 2012 2011 2010 2009 (dollars in thousands) Earnings: Income (loss) before income taxes $ 1,812 $ 15,994 $ 9,342 $ 4,925 $ 1,099 $ (3,376 ) Fixed charges 2,109 7,800 7,942 10,531 8,314 8,833 Total Earnings $ 3,921 $ 23,794 $ 17,284 $

May 30, 2014 S-4

- FORM S-4

Table of Contents Index to Financial Statements As filed with the Securities and Exchange Commission on May 30, 2014 Registration No.

May 13, 2014 EX-99.1

* * GULF SOUTH BANK CONFERENCE O. Leonard DormineyChief Executive OfficerT. Heath FountainChief Financial Officer New Orleans, May 12 – 14, 2014 * Cautionary Statements This presentation contains forward-looking statements about future financial perf

Exhibits 99.1 * * GULF SOUTH BANK CONFERENCE O. Leonard DormineyChief Executive OfficerT. Heath FountainChief Financial Officer New Orleans, May 12 – 14, 2014 * Cautionary Statements This presentation contains forward-looking statements about future financial performance, business plans and strategies of Heritage Financial Group, Inc. Because forward-looking statements involve risks and uncertaint

May 13, 2014 425

Merger Prospectus - HERITAGE FINANCIAL GROUP, INC 8-K 5-13-2014

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 13, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commis

May 13, 2014 8-K

Financial Statements and Exhibits, Other Events - HERITAGE FINANCIAL GROUP, INC 8-K 5-13-2014

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 13, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commis

May 13, 2014 EX-99.1

* * GULF SOUTH BANK CONFERENCE O. Leonard DormineyChief Executive OfficerT. Heath FountainChief Financial Officer New Orleans, May 12 – 14, 2014 * Cautionary Statements This presentation contains forward-looking statements about future financial perf

Exhibits 99.1 * * GULF SOUTH BANK CONFERENCE O. Leonard DormineyChief Executive OfficerT. Heath FountainChief Financial Officer New Orleans, May 12 – 14, 2014 * Cautionary Statements This presentation contains forward-looking statements about future financial performance, business plans and strategies of Heritage Financial Group, Inc. Because forward-looking statements involve risks and uncertaint

May 2, 2014 EX-99.1

April 30, 2014

EXHIBIT 99.1 April 30, 2014 Dear Fellow Shareholder: On April 21, 2014, Alarion Financial Services, Inc. (“Alarion”) entered into an Agreement and Plan of Merger (the “Merger Agreement”) with Heritage Financial Group, Inc. (“Heritage”). Pursuant to the terms of the Merger Agreement, Alarion will be merged with and into Heritage. Alarion’s shareholders will receive 0.44 shares of Heritage common st

May 2, 2014 425

Merger Prospectus - HERITAGE FINANCIAL GROUP 8-K 5-2-2014

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commiss

May 2, 2014 EX-99.1

April 30, 2014

EXHIBIT 99.1 April 30, 2014 Dear Fellow Shareholder: On April 21, 2014, Alarion Financial Services, Inc. (“Alarion”) entered into an Agreement and Plan of Merger (the “Merger Agreement”) with Heritage Financial Group, Inc. (“Heritage”). Pursuant to the terms of the Merger Agreement, Alarion will be merged with and into Heritage. Alarion’s shareholders will receive 0.44 shares of Heritage common st

May 2, 2014 8-K

Financial Statements and Exhibits, Other Events - HERITAGE FINANCIAL GROUP 8-K 5-2-2014

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 2, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commiss

April 25, 2014 DEF 14A

- HERITAGE FINANCIAL GROUP INC DEF 14A 5-28-2014

DEF 14A 1 formdef14a.htm HERITAGE FINANCIAL GROUP INC DEF 14A 5-28-2014 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant þ Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Com

April 24, 2014 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS FIRST QUARTER NET INCOME OF $1.3 MILLION OR $0.18 PER DILUTED SHARE COMPANY DECLARES QUARTERLY CASH DIVIDEND OF $0.07 PER SHARE AND EXTENDS ITS STOCK REPURCHASE PLAN

EXHIBIT 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS FIRST QUARTER NET INCOME OF $1.3 MILLION OR $0.18 PER DILUTED SHARE COMPANY DECLARES QUARTERLY CASH DIVIDEND OF $0.07 PER SHARE AND EXTENDS ITS STOCK REPURCHASE PLAN ALBANY, Ga. (April 24, 2014) – Heritage Financial Group, Inc.

April 24, 2014 8-K

- HERITAGE FINANCIAL GROUP, INC 8-K 4-24-2014

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 24, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Comm

April 22, 2014 EX-99.1

HERITAGE FINANCIAL GROUP, INC. ANNOUNCES PRELIMINARY EARNINGS OUTLOOK FOR FIRST QUARTER OF 2014

EXHIBIT 99.1 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. ANNOUNCES PRELIMINARY EARNINGS OUTLOOK FOR FIRST QUARTER OF 2014 ALBANY, Ga. (April 22, 2014) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of the South, today announced a preliminary earnings

April 22, 2014 EX-2.1

AGREEMENT AND PLAN OF MERGER BY AND BETWEEN HERITAGE FINANCIAL GROUP, INC. ALARION FINANCIAL SERVICES, INC. Dated as of April 21, 2014 TABLE OF CONTENTS

EXHIBIT 2.1 AGREEMENT AND PLAN OF MERGER BY AND BETWEEN HERITAGE FINANCIAL GROUP, INC. AND ALARION FINANCIAL SERVICES, INC. Dated as of April 21, 2014 TABLE OF CONTENTS Page ARTICLE 1 THE MERGER 2 1.1 The Merger. 2 1.2 Effective Time. 2 1.3 Effects of the Merger. 2 1.4 Conversion of Stock. 2 1.5 Stock Options. 4 1.6 Articles and Bylaws of the Surviving Company. 4 1.7 Directors and Officers. 5 1.8

April 22, 2014 EX-99.2

HERITAGE FINANCIAL GROUP, INC. SIGNS DEFINITIVE AGREEMENT TO ACQUIRE OCALA-BASED ALARION FINANCIAL SERVICES, INC.

EXHIBIT 99.2 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. SIGNS DEFINITIVE AGREEMENT TO ACQUIRE OCALA-BASED ALARION FINANCIAL SERVICES, INC. Albany, Ga. (April 22, 2014) – Heritage Financial Group, Inc. ("Heritage" or the "Company," NASDAQ: HBOS), the holding company for HeritageBank of the

April 22, 2014 EX-99.3

EX-99.3

Exhibit 99.3

April 22, 2014 EX-99.1

HERITAGE FINANCIAL GROUP, INC. ANNOUNCES PRELIMINARY EARNINGS OUTLOOK FOR FIRST QUARTER OF 2014

EXHIBIT 99.1 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. ANNOUNCES PRELIMINARY EARNINGS OUTLOOK FOR FIRST QUARTER OF 2014 ALBANY, Ga. (April 22, 2014) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of the South, today announced a preliminary earnings

April 22, 2014 EX-99.3

EX-99.3

Exhibit 99.3

April 22, 2014 425

Merger Prospectus - HERITAGE FINANCIAL GROUP INC 8-K 4-21-2014

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 21, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Comm

April 22, 2014 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 21, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Comm

April 22, 2014 EX-99.2

HERITAGE FINANCIAL GROUP, INC. SIGNS DEFINITIVE AGREEMENT TO ACQUIRE OCALA-BASED ALARION FINANCIAL SERVICES, INC.

EXHIBIT 99.2 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. SIGNS DEFINITIVE AGREEMENT TO ACQUIRE OCALA-BASED ALARION FINANCIAL SERVICES, INC. Albany, Ga. (April 22, 2014) – Heritage Financial Group, Inc. ("Heritage" or the "Company," NASDAQ: HBOS), the holding company for HeritageBank of the

April 22, 2014 EX-2.1

AGREEMENT AND PLAN OF MERGER BY AND BETWEEN HERITAGE FINANCIAL GROUP, INC. ALARION FINANCIAL SERVICES, INC. Dated as of April 21, 2014 TABLE OF CONTENTS

EXHIBIT 2.1 AGREEMENT AND PLAN OF MERGER BY AND BETWEEN HERITAGE FINANCIAL GROUP, INC. AND ALARION FINANCIAL SERVICES, INC. Dated as of April 21, 2014 TABLE OF CONTENTS Page ARTICLE 1 THE MERGER 2 1.1 The Merger. 2 1.2 Effective Time. 2 1.3 Effects of the Merger. 2 1.4 Conversion of Stock. 2 1.5 Stock Options. 4 1.6 Articles and Bylaws of the Surviving Company. 4 1.7 Directors and Officers. 5 1.8

February 18, 2014 SC 13G

HBOS / Heritage Financial Group Inc / Clover Partners, L.P. - SC 13G Passive Investment

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULES 13d-1(b), (c) AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) Heritage Financial Group, Inc.

February 18, 2014 EX-99.1

JOINT FILING AGREEMENT

EX-99.1 EXHIBIT 1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Shares of Heritage Financial Group, Inc., and further agree that this Joint Filing Agreement shall be

February 14, 2014 SC 13G

HBOS / Heritage Financial Group Inc / ENDEAVOUR CAPITAL ADVISORS INC - SC 13G Passive Investment

SC 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Heritage Financial Group, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2013 (Date of Event which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which this Sche

February 14, 2014 SC 13G/A

HBOS / Heritage Financial Group Inc / CASTINE CAPITAL MANAGEMENT, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 14, 2014 SC 13G/A

HBOS / Heritage Financial Group Inc / JACOBS SY Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 14, 2014 SC 13G/A

HBOS / Heritage Financial Group Inc / Wellington Management Group LLP - DISCLOSURE DOCUMENT Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 3)* Heritage Financial Group, Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2013 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to whi

February 12, 2014 SC 13G/A

HBOS / Heritage Financial Group Inc / Heritage Financial Group Inc - HERITAGE FINANCIAL GROUP INC SC 13G A NO 3 12-31-2013 Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 (AMENDMENT NO. 3) SCHEDULE 13G Under the Securities Exchange Act of 1934 Heritage Financial Group, Inc. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2013 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

January 30, 2014 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS HIGHER NET INCOME FOR THE FOURTH QUARTER AND YEAR COMPANY DECLARES QUARTERLY DIVIDEND OF $0.07 PER SHARE

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS HIGHER NET INCOME FOR THE FOURTH QUARTER AND YEAR COMPANY DECLARES QUARTERLY DIVIDEND OF $0.07 PER SHARE ALBANY, Ga. (January 29, 2014) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of th

January 30, 2014 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 29, 2014 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Co

October 24, 2013 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS THIRD QUARTER NET INCOME OF $1.3 MILLION OR $0.18 PER DILUTED SHARE

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS THIRD QUARTER NET INCOME OF $1.3 MILLION OR $0.18 PER DILUTED SHARE ALBANY, Ga. (October 24, 2013) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of the South, today announced unaudited fi

October 24, 2013 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 24, 2013 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Co

July 25, 2013 8-K

- HERITAGE FINANCIAL GROUP INC 8-K 7-25-2013

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2013 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commi

July 25, 2013 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS SECOND QUARTER NET INCOME OF $2.7 MILLION OR $0.36 PER DILUTED SHARE

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS SECOND QUARTER NET INCOME OF $2.7 MILLION OR $0.36 PER DILUTED SHARE ALBANY, Ga. (July 25, 2013) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of the South, today announced unaudited fina

June 27, 2013 11-K

- HERITAGE FINANCIAL GROUP INC 11-K 12-31-2012

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2012 Commission File No. 000-51305 HERITAGEBANK OF THE SOUTH 401(k) PLAN (Full title of the plan) HERITAGE FINANCIAL GROUP, INC (Name of issuer of the securities held pursuant to the plan) 721 North W

May 24, 2013 EX-99.2

REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 99.2 REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM To the Board of Directors Heritage Financial Group, Inc. Albany, Georgia We have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the financial statements of Heritage Financial Group, Inc. for the year ended December 31, 2012, and have issued our report thereon dated Marc

May 24, 2013 8-K/A

Financial Statements and Exhibits - HERITAGE FINANCIAL GROUP INC 8-K/A 3-8-2013

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 8, 2013 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Com

May 24, 2013 8-K

Submission of Matters to a Vote of Security Holders - HERITAGE FINANCIAL GROUP, INC 8-K 5-22-2013

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 22, 2013 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commis

April 25, 2013 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS FIRST QUARTER NET INCOME OF $3.9 MILLION OR $0.52 PER DILUTED SHARE COMPANY INCREASES AND EXTENDS ITS STOCK REPURCHASE PLAN, ADDING 394,000 SHARES TO THE CURRENT AUTHORIZATION

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS FIRST QUARTER NET INCOME OF $3.9 MILLION OR $0.52 PER DILUTED SHARE COMPANY INCREASES AND EXTENDS ITS STOCK REPURCHASE PLAN, ADDING 394,000 SHARES TO THE CURRENT AUTHORIZATION ALBANY, Ga. (April 25, 2013) – Heritage Financial G

April 25, 2013 8-K

- HERITAGE FINANCIAL GROUP, INC 8-K 4-25-2013

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 25, 2013 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Comm

April 18, 2013 DEF 14A

- HERITAGE FINANCIAL GROUP INC DEF 14A 5-22-2013

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant þ Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) þ Definitive Proxy State

March 12, 2013 EX-99.1

HERITAGEBANK OF THE SOUTH, A SUBSIDIARY OF HERITAGE FINANCIAL GROUP, PURCHASES FRONTIER BANK IN TRANSACTION WITH THE FDIC

EXHIBIT 99.1 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGEBANK OF THE SOUTH, A SUBSIDIARY OF HERITAGE FINANCIAL GROUP, PURCHASES FRONTIER BANK IN TRANSACTION WITH THE FDIC ALBANY, Ga. (March 8, 2013) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of the South, today announce

March 12, 2013 8-K

Completion of Acquisition or Disposition of Assets - HERITAGE FINANCIAL GROUP INC 8-K 3-8-2013

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 8, 2013 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commi

March 12, 2013 EX-10.15

PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER OF FRONTIER BANK, LAGRANGE, GEORGIA FEDERAL DEPOSIT INSURANCE CORPORATION HERITAGEBANK OF THE SOUTH DATED AS OF March 8, 2013 PURCHASE AND ASSUM

Exhibit 10.15 PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS AMONG FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER OF FRONTIER BANK, LAGRANGE, GEORGIA FEDERAL DEPOSIT INSURANCE CORPORATION and HERITAGEBANK OF THE SOUTH DATED AS OF March 8, 2013 PURCHASE AND ASSUMPTION AGREEMENT TABLE OF CONTENTS ARTICLE I. GENERAL 1 1.1 Purpose 1 1.2 Shared-Loss Agreements 1 1.3 Defined Terms 2 ARTICLE

March 12, 2013 EX-99.2

FDIC ACQUISITION OF FRONTIER BANK Investor Presentation March 8, 2013

EXHIBIT 99.2 FDIC ACQUISITION OF FRONTIER BANK Investor Presentation March 8, 2013

February 14, 2013 SC 13G/A

HBOS / Heritage Financial Group Inc / Firefly Value Partners, LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 ) * Heritage Financial Group, Inc. (Name of Issuer) Common Stock, par value $0.01 (Title of Class of Securities) 42726X102 (CUSIP Number) January 1, 2013 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rul

February 14, 2013 SC 13G/A

HBOS / Heritage Financial Group Inc / JACOBS SY Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 14, 2013 SC 13G/A

HBOS / Heritage Financial Group Inc / WELLINGTON MANAGEMENT GROUP LLP - DISCLOSURE DOCUMENT Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* Heritage Financial Group Inc. (Name of Issuer) Common Stock (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2012 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to whic

February 14, 2013 SC 13G/A

HBOS / Heritage Financial Group Inc / CASTINE CAPITAL MANAGEMENT, LLC Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 12, 2013 SC 13G/A

HBOS / Heritage Financial Group Inc / Clover Partners, L.P. - SC 13G/A Passive Investment

SC 13G/A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 SCHEDULE 13G/A (Amendment No.

February 12, 2013 EX-99.1

JOINT FILING AGREEMENT

EX-1 EXHIBIT 1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including any and all amendments thereto) with respect to the Common Shares of Heritage Financial Group, Inc.

February 8, 2013 SC 13G

HBOS / Heritage Financial Group Inc / Heritage Financial Group Inc - HERITAGE FINANCIAL GROUP EMPLOYEE STOCK OWNERSHIP PLAN SC 13G 12-31-2012 (HERITAGE FINANCIAL GROUP INC) Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 Heritage Financial Group, Inc. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2012 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

January 24, 2013 8-K

- HERITAGE FINANCIAL GROUP INC 8-K 1-24-2013

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2013 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Co

January 24, 2013 EX-99

HERITAGE FINANCIAL GROUP, INC. 2012 NET INCOME UP 77% VERSUS 2011, INCREASING TO $6.8 MILLION OR $0.85 PER DILUTED SHARE FOURTH QUARTER NET INCOME UP 80% TO $2.4 MILLION OR $0.31 PER DILUTED SHARE

EXHIBIT 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. 2012 NET INCOME UP 77% VERSUS 2011, INCREASING TO $6.8 MILLION OR $0.85 PER DILUTED SHARE FOURTH QUARTER NET INCOME UP 80% TO $2.4 MILLION OR $0.31 PER DILUTED SHARE ALBANY, Ga. (January 24, 2013) – Heritage Financial Group, Inc. (NASD

December 7, 2012 8-K

- HERITAGE FINANCIAL GROUP, INC 8-K 12-7-2012

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 7, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Co

December 7, 2012 EX-99

HERITAGE FINANCIAL GROUP, INC. ANNOUNCES ONE-TIME SPECIAL DIVIDEND OF $0.20 PER SHARE Special Dividend Represents Early Payment of 2013 Quarterly Dividends, With a 25% Increase

EXHIBIT 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. ANNOUNCES ONE-TIME SPECIAL DIVIDEND OF $0.20 PER SHARE Special Dividend Represents Early Payment of 2013 Quarterly Dividends, With a 25% Increase Albany, Ga. (December 7, 2012) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holdi

December 7, 2012 CORRESP

-

December 7, 2012 Mr. John P. Nolan Senior Assistant Chief Accountant Securities and Exchange Commission Washington, DC 20549 (via EDGAR Correspondence) Re: Heritage Financial Group, Inc. (“Heritage”) Form 10-K for the period ended December 31, 2011 filed March 15, 2012 Form 10-Q for the period ended September 30, 2012 filed November 9, 2012 File No. 001-34902 Dear Mr. Nolan: We received your lette

October 25, 2012 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 25, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34902 (Commission Fi

October 25, 2012 S-3

- HERITAGE FINANCIAL GROUP INC S-3 10-25-2012

AS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION ON OCTOBER 25, 2012 REGISTRATION NO.

October 25, 2012 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS HIGHER THIRD QUARTER NET INCOME OF $2.0 MILLION OR $0.25 PER DILUTED SHARE COMPANY ANNOUNCES SHELF OFFERING AND NEW STOCK REPURCHASE PLAN

EXHIBIT 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS HIGHER THIRD QUARTER NET INCOME OF $2.0 MILLION OR $0.25 PER DILUTED SHARE COMPANY ANNOUNCES SHELF OFFERING AND NEW STOCK REPURCHASE PLAN ALBANY, Ga. (October 25, 2012) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holdi

October 25, 2012 EX-5.0

/s/ Bryan Cave LLP Bryan Cave LLP

Exhibit 5.0 October 25, 2012 Heritage Financial Group, Inc. 721 N. Westover Blvd. Albany, Georgia 31707 Ladies and Gentlemen: We have acted as counsel to Heritage Financial Group, Inc., a Maryland corporation (the “Company”), in connection with the Company’s filing of a Registration Statement on Form S-3 (the “Registration Statement”) with the Securities and Exchange Commission (the “Commission”)

October 25, 2012 EX-12.0

Six months Ended June 30,

Exhibit 12.0 Six months Ended June 30, Years Ended December 31, Ratio of Earnings to Fixed Charges: 2012 2011 2010 2009 2008 2007 (dollars in thousands) Earnings: Income/(loss) before income taxes $ 3,380 $ 4,925 $ 1,099 $ (3,376 ) $ (1,490 ) $ 2,071 Fixed charges 4,003 10,531 8,314 8,833 12,543 13,505 Total Earnings $ 7,383 $ 15,456 $ 9,413 $ 5,457 $ 11,053 $ 15,576 Fixed charges: Interest expens

October 25, 2012 EX-4.5

Heritage Financial Group, Inc. as Trustee Dated as of ___________, 2012 TABLE OF CONTENTS

EX-4.5 2 ex45.htm EXHIBIT 4.5 EXHIBIT 4.5 Heritage Financial Group, Inc. and , as Trustee - Indenture Dated as of , 2012 TABLE OF CONTENTS PAGE ARTICLE I. DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.1. Definitions. 1 Section 1.2. Compliance Certificates and Opinions. 6 Section 1.3. Form of Documents Delivered to Trustee. 7 Section 1.4. Notices, Etc., to Trustee and Company.

July 26, 2012 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS SECOND QUARTER NET INCOME OF $1.4 MILLION OR $0.17 PER DILUTED SHARE COMPANY ANNOUNCES EXPENSE MANAGEMENT INITIATIVES EXPECTED TO PROVIDE ANNUAL SAVINGS UP TO $1.3 MILLION IN 2013

EXHIBIT 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS SECOND QUARTER NET INCOME OF $1.4 MILLION OR $0.17 PER DILUTED SHARE COMPANY ANNOUNCES EXPENSE MANAGEMENT INITIATIVES EXPECTED TO PROVIDE ANNUAL SAVINGS UP TO $1.3 MILLION IN 2013 ALBANY, Ga. (July 25, 2012) – Heritage Financia

July 26, 2012 8-K

- HERITAGE FINANCIAL GROUP INC 8-K 7-25-2012

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 25, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commi

June 26, 2012 11-K

- HERITAGE FINANCIAL GROUP INC 11-K 12-31-2011

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2011 Commission File No. 000-51305 HERITAGEBANK OF THE SOUTH 401(k) PLAN (Full title of the plan) HERITAGE FINANCIAL GROUP, INC (Name of issuer of the securities held pursuant to the plan) 721 North W

May 24, 2012 8-K

Submission of Matters to a Vote of Security Holders - HERITAGE FINANCIAL GROUP INC 8-K 5-23-2012

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 23, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commis

May 1, 2012 EX-99

HERITAGE FINANCIAL GROUP, INC. REPORTS FIRST QUARTER NET INCOME OF $1.0 MILLION OR $0.12 PER DILUTED SHARE

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. REPORTS FIRST QUARTER NET INCOME OF $1.0 MILLION OR $0.12 PER DILUTED SHARE ALBANY, Ga. (April 30, 2012) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of the South, today announced unaudited fina

May 1, 2012 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 30, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Comm

April 20, 2012 DEF 14A

- HERITAGE FINANCIAL GROUP, INC DEF 14A 5-23-2012

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 Filed by the Registrant þ Filed by a Party other than the Registrant o Check the appropriate box: o Preliminary Proxy Statement o Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) þ Definitive Proxy State

April 11, 2012 8-K

- HERITAGE FINANCIAL GROUP INC 8-K 4-06-2012

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 6, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (Commi

April 11, 2012 EX-10.17

PURCHASE AND ASSUMPTION AGREEMENT

Exhibit 10.17 PURCHASE AND ASSUMPTION AGREEMENT This Purchase and Assumption Agreement (this “Agreement”) is made and entered into this 6th day of April, 2012, by and between HeritageBank of the South, a Georgia-chartered savings bank (“Purchaser”), and AB&T National Bank, a national-chartered commercial bank (“Seller”). WHEREAS, Seller owns and operates a branch facility located at 1943 East Glen

April 11, 2012 EX-99

HERITAGE FINANCIAL GROUP, INC. AGREES TO PURCHASE AUBURN, ALABAMA BRANCH FROM COMMUNITY CAPITAL BANCSHARES Location Will Mark Initial Entry into Alabama for Heritage Financial Group

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. AGREES TO PURCHASE AUBURN, ALABAMA BRANCH FROM COMMUNITY CAPITAL BANCSHARES Location Will Mark Initial Entry into Alabama for Heritage Financial Group Albany, Ga. (April 11, 2012) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the ho

March 21, 2012 SC 13G/A

HBOS / Heritage Financial Group Inc / JACOBS SY Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No.

February 23, 2012 EX-99

HERITAGE FINANCIAL GROUP, INC. INCREASES QUARTERLY CASH DIVIDEND 33% TO $0.04 PER SHARE COMPANY ALSO SETS 2012 ANNUAL MEETING DATE

EXHIBIT 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. INCREASES QUARTERLY CASH DIVIDEND 33% TO $0.04 PER SHARE COMPANY ALSO SETS 2012 ANNUAL MEETING DATE Albany, Ga. (February 22, 2012) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of the South, tod

February 23, 2012 8-K

Current Report

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of Incorporation) (C

February 14, 2012 SC 13G/A

HBOS / Heritage Financial Group Inc / WELLINGTON MANAGEMENT GROUP LLP - DISCLOSURE DOCUMENT Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1)* Heritage Financial Group (Name of Issuer) Common Stock (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2011 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which thi

February 14, 2012 SC 13G/A

HBOS / Heritage Financial Group Inc / Firefly Value Partners, LP - SCHEDULE 13G/A Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 ) * Heritage Financial Group, Inc. (Name of Issuer) Common Stock, par value $0.01 (Title of Class of Securities) 42726X102 (CUSIP Number) January 1, 2012 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rul

February 14, 2012 SC 13G/A

HBOS / Heritage Financial Group Inc / JACOBS SY Passive Investment

SC 13G/A 1 d126398013ga.htm UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2)* Heritage Financial Group, Inc. (Name of Issuer) Common Stock, par value $0.01 (Title of Class of Securities) 42726X102 (CUSIP Number) December 31, 2011 (Date of Event Which Requires Filing of this Statement) Check the appropriat

February 13, 2012 8-K

- HERITAGE FINANCIAL GROUP, INC 8-K 2-8-2012

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 8, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland (State or Other Jurisdiction of Incorporation) 001-34902 (Commission Fi

February 13, 2012 EX-99.1

Sterne Agee 2012 Financial Institutions Investor Conference Orlando - February 12-14, 2012 O. Leonard Dorminey Chief Executive Officer T. Heath Fountain Chief Financial Officer 1 CAUTIONARY STATEMENTS This presentation contains forward-looking statem

Exhibit 99.1 Sterne Agee 2012 Financial Institutions Investor Conference Orlando - February 12-14, 2012 O. Leonard Dorminey Chief Executive Officer T. Heath Fountain Chief Financial Officer 1 CAUTIONARY STATEMENTS This presentation contains forward-looking statements about future financial performance, business plans and strategies of Heritage Financial Group, Inc. Because forward-looking statemen

February 13, 2012 EX-99

HERITAGE FINANCIAL GROUP, INC. TO PRESENT AT THE STERNE AGEE 2012 FINANCIAL INSTITUTIONS INVESTOR CONFERENCE

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. TO PRESENT AT THE STERNE AGEE 2012 FINANCIAL INSTITUTIONS INVESTOR CONFERENCE Albany, Ga. (February 8, 2012) – Heritage Financial Group, Inc. (NASDAQ: HBOS), the holding company for HeritageBank of the South, today announced that its m

February 10, 2012 SC 13G/A

MFSF / MutualFirst Financial, Inc. / Heritage Financial Group Inc - HERITAGE FINANCIAL GROUP INC SC 13G/A 12-31-2011 Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (AMENDMENT NO. 1) Heritage Financial Group, Inc. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 062418270 (CUSIP Number) December 31, 2011 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pur

January 26, 2012 8-K

- HERITAGE FINANCIAL GROUP, INC. 8-K 1-26-2012

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ———————————————— FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 26, 2012 HERITAGE FINANCIAL GROUP, INC. (Exact name of Registrant as specified in its charter) Maryland 001-34902 38-3814230 (State or Other Jurisdiction of I

January 26, 2012 EX-99

HERITAGE FINANCIAL GROUP, INC. 2011 NET INCOME MORE THAN DOUBLES VERSUS 2010, INCREASING TO $3.8 MILLION OR $0.47 PER DILUTED SHARE FOURTH QUARTER NET INCOME UP 47% TO $1.4 MILLION OR $0.16 PER DILUTED SHARE

Exhibit 99 For additional information, contact: T. Heath Fountain Executive Vice President and Chief Financial Officer (229) 878-2055 HERITAGE FINANCIAL GROUP, INC. 2011 NET INCOME MORE THAN DOUBLES VERSUS 2010, INCREASING TO $3.8 MILLION OR $0.47 PER DILUTED SHARE FOURTH QUARTER NET INCOME UP 47% TO $1.4 MILLION OR $0.16 PER DILUTED SHARE ALBANY, Ga. (January 26, 2012) – Heritage Financial Group,

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