1017158--3/27/2006--CAPITAL_TITLE_GROUP

related topics

{regulation, change, law}

{condition, economic, financial}

{loss, insurance, financial}

{regulation, government, change}

{provision, law, control}

{product, market, service}

{capital, credit, financial}

{stock, price, share}

{system, service, information}

{interest, director, officer}

{personnel, key, retain}

{competitive, industry, competition}

{cost, operation, labor}

{debt, indebtedness, cash}

The risk factors listed in this section and other factors noted herein or incorporated by reference could cause our actual results to differ materially from those contained in any forward-looking statements. The following risk factors, in addition to the information discussed elsewhere herein, should be carefully considered in evaluating us and our business: The demand for our title insurance and related services is highly dependent upon the volume of real estate transactions and other general economic conditions, and our future revenues and profits may decline as interest rates stabilize or rise. Our success depends on our ability to attract and retain key personnel. The title insurance industry experiences seasonal fluctuations. Our business is highly competitive and increased competition could reduce our revenues and profitability. We may not be able to implement successfully our strategy of selectively acquiring other businesses in the title insurance industry and related industries. We may encounter difficulties managing and integrating our acquisitions. Security breaches and computer viruses could harm our business by disrupting our delivery of services and damaging our reputation. We may experience significant claims relating to our title insurance operations and losses resulting from fraud, defalcation or misconduct. Insurance regulations limit the ability of our insurance subsidiary to pay cash dividends to us. We are subject to substantial government regulation which could have the effect of delaying or preventing a change of control of our insurance subsidiary or our company. Our insurance subsidiary is subject to substantial government regulation. If we fail to comply with privacy regulations imposed on providers of services to financial institutions, our business could be harmed. If rating agencies downgrade our insurance subsidiary, our results of operations and competitive position in the industry may suffer. Our stock price might be volatile and you might not be able to resell your shares at or above the price you have paid. Certain provisions of our certificate of incorporation, granting our board of directors broad discretion to issue shares of preferred stock, may adversely affect your rights as a common stockholder.

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1017158--3/27/2006--CAPITAL_TITLE_GROUP_INC