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Certain statements contained herein are not based on historical facts and are "forward looking statements" within the meaning of Section 21A of the Securities Exchange Act of 1934. Forward looking statements which are based on various assumptions (some of which arecheap timberland bootsbeyond the Company's control), may be identified by reference to a future period or periods, or by the use of forward looking terminology, such as "may," "will," "believe," "expect," "estimate," "anticipate," "continue," or similar terms or variations on those terms, or the negative of these terms. Government,timberland boots cheapchanges in government regulations affecting financial institutions, including regulatory fees and capital requirements, changes in prevailing interest rates, acquisitions and the integration of acquired businesses, credit risk management, asset/liability management, change in the financialprada outletand securities markets, including changes with respect to the market value of our financial assets, the availability of and costs associated with sources of liquidity, and the ability of the Company to resolve or dispose of problem loans.

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