We are subject to significant government regulation, and any regulatory changes may adversely affect us.

The banking industry is heavily regulated under both federal and state law. These regulations are primarily intended to protect customers, not our creditors or shareholders. As a bank holding company, we are also subject to extensive regulation by the Federal Reserve, in addition to other regulatory and self-regulatory organizations. Our ability to establish new facilities or make acquisitions is conditioned upon the receipt of the required regulatory approvals from these organizations. Regulations affecting banks and financial services companies undergo continuous change, and we cannot predict the ultimate effect of such changes, which could have a material adverse effect on our profitability or financial condition.

We are subject to
significant government regulation, and any regulatory changes may adversely affect us.

The banking industry is heavily
regulated under both federal and state law. These regulations are primarily intended to
protect customers, not our creditors or shareholders. As a bank holding company, we are
also subject to extensive regulation by the Federal Reserve, in addition to other
regulatory and self-regulatory organizations. Our ability to establish new facilities or
make acquisitions is conditioned upon the receipt of the required regulatory approvals
from these organizations. Regulations affecting banks and financial services companies
undergo continuous change, and we cannot predict the ultimate effect of such changes,
which could have a material adverse effect on our profitability or financial condition.

We are subject to
significant government regulation, and any regulatory changes may adversely affect us.

The banking industry is heavily
regulated under both federal and state law. These regulations are primarily intended to
protect customers, not our creditors or shareholders. As a bank holding company, we are
also subject to extensive regulation by the Federal Reserve, in addition to other
regulatory and self-regulatory organizations. Our ability to establish new facilities or
make acquisitions is conditioned upon the receipt of the required regulatory approvals
from these organizations. Regulations affecting banks and financial services companies
undergo continuous change, and we cannot predict the ultimate effect of such changes,
which could have a material adverse effect on our profitability or financial condition.

We are subject to
significant government regulation, and any regulatory changes may adversely affect us.

The banking industry is heavily
regulated under both federal and state law. These regulations are primarily intended to
protect customers, not our creditors or shareholders. As a bank holding company, we are
also subject to extensive regulation by the Federal Reserve, in addition to other
regulatory and self-regulatory organizations. Our ability to establish new facilities or
make acquisitions is conditioned upon the receipt of the required regulatory approvals
from these organizations. Regulations affecting banks and financial services companies
undergo continuous change, and we cannot predict the ultimate effect of such changes,
which could have a material adverse effect on our profitability or financial condition.

We are subject to
significant government regulation, and any regulatory changes may adversely affect us.

The banking industry is heavily
regulated under both federal and state law. These regulations are primarily intended to
protect customers, not our creditors or shareholders. As a bank holding company, we are
also subject to extensive regulation by the Federal Reserve, in addition to other
regulatory and self-regulatory organizations. Our ability to establish new facilities or
make acquisitions is conditioned upon the receipt of the required regulatory approvals
from these organizations. Regulations affecting banks and financial services companies
undergo continuous change, and we cannot predict the ultimate effect of such changes,
which could have a material adverse effect on our profitability or financial condition.

We are subject to significant government regulation, and any regulatory changes may adversely affect us.

        The banking industry is heavily regulated under both federal and state law. These regulations are primarily intended to protect customers, not our creditors or shareholders. As a bank holding company, we are also subject to extensive regulation by the Federal Reserve, in addition to other regulatory and self-regulatory organizations. Our ability to establish new facilities or make acquisitions is conditioned upon the receipt of the required regulatory approvals from these organizations. Regulations affecting banks and financial services companies undergo continuous change, and we cannot predict the ultimate effect of such changes, which could have a material adverse effect on our profitability or financial condition.

We are subject to
significant government regulation, and any regulatory changes may adversely affect us.

        The
banking industry is heavily regulated under both federal and state law. These regulations
are primarily intended to protect customers, not our creditors or shareholders. As a bank
holding company, we are also subject to extensive regulation by the Federal Reserve, in
addition to other regulatory and self-regulatory organizations. Our ability to establish
new facilities or make acquisitions is conditioned upon the receipt of the required
regulatory approvals from these organizations. Regulations affecting banks and financial
services companies undergo continuous change, and we cannot predict the ultimate effect of
such changes, which could have a material adverse effect on our profitability or financial
condition.

We are subject to significant government regulation, and any regulatory changes may adversely affect us.

        The banking industry is heavily regulated under both federal and state law. These regulations are primarily intended to protect customers, not our creditors or shareholders. As a bank holding company, we are also subject to extensive regulation by the Federal Reserve, in addition to other regulatory and self-regulatory organizations. Our ability to establish new facilities or make acquisitions is conditioned upon the receipt of the required regulatory approvals from these organizations. Regulations affecting banks and financial services companies undergo continuous change, and we cannot predict the ultimate effect of such changes, which could have a material adverse effect on our profitability or financial condition.

We are subject to significant government regulation, and any regulatory changes may adversely affect us.

        The banking industry is heavily regulated under both federal and state law. These regulations are primarily intended to protect customers, not our creditors or shareholders. As a bank holding company, we are also subject to extensive regulation by the Federal Reserve, in addition to other regulatory and self-regulatory organizations. Our ability to establish new facilities or make acquisitions is conditioned upon the receipt of the required regulatory approvals from these organizations. Regulations affecting banks and financial services companies undergo continuous change, and we cannot predict the ultimate effect of such changes, which could have a material adverse effect on our profitability or financial condition.