1016178--6/29/2007--CARVER_BANCORP

related topics

{regulation, change, law}

{competitive, industry, competition}

{loan, real, estate}

{system, service, information}

{acquisition, growth, future}

{operation, natural, condition}

{debt, indebtedness, cash}

{condition, economic, financial}

Changes in interest rate environment may negatively affect Carver s net income, mortgage loan originations and valuation of available-for-sale securities Carver s results of operations are affected by economic conditions in the New York Strong competition within the Bank s market areas could hurt expected profits and slow growth. The Bank may fail to realize the anticipated benefits of the acquisition, and acquisitions may result in unforeseen integration difficulties The Bank operates in a highly regulated industry, which limits the manner and scope of our business activities. Efforts to comply with the Sarbanes-Oxley Act will involve significant expenditures, and non-compliance with the Sarbanes-Oxley Act may adversely affect us. Efforts to comply with the Sarbanes-Oxley Act will involve significant expenditures, and non-compliance with the Sarbanes-Oxley Act may adversely affect us. Changes in laws, government regulation and monetary policy may have a material effect on our results of operations. The Bank s ability to pay dividends or lend funds to the Company is subject to regulatory limitations which may prevent the Company from making future dividend payments or principal and interest payments on its debt obligation. Carver faces system failure risks and security risks. Our business could suffer if we A natural disaster could harm Carver s business.

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1016178--6/29/2007--CARVER_BANCORP_INC