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This annual report on Form 10-K (the "Annual Report") contains certain
forward-looking statements. All statements other than statements of historical
fact are "forward-looking statements" for purposes of these provisions,
including any projections of earnings, revenues, or other financial items; any
statements of the plans, strategies, and objectives of management for future
operation; any statements concerning proposed new products, services, or
developments; any statements regarding future economic conditions or
performance; statements of belief; and any statement of assumptions underlying
any of the foregoing. Such forward-looking statements are subject to inherent
risks and uncertainties, and actual results could differ materially from those
anticipated by the forward-looking statements.
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