102212--3/6/2006--UNIVEST_CORP_OF_PENNSYLVANIA

related topics
{condition, economic, financial}
{loan, real, estate}
{regulation, change, law}
{stock, price, share}
{loss, insurance, financial}
{competitive, industry, competition}
{provision, law, control}
{debt, indebtedness, cash}
{system, service, information}
{personnel, key, retain}
{control, financial, internal}
{product, liability, claim}
{product, market, service}
{acquisition, growth, future}
{stock, price, operating}
The Corporation is Subject to Interest Rate Risk The Corporation is Subject to Lending Risk The Corporation s Allowance for Possible Loan Losses May be Insufficient The Corporation is Subject to Environmental Liability Risk Associated with Lending Activities The Corporation s Profitability is Affected by Economic Conditions in the Commonwealth of Pennsylvania The Corporation Operates in a Highly Competitive Industry and Market Area The Corporation is Subject to Extensive Government Regulation and Supervision The Corporation s Controls and Procedures May Fail or be Circumvented The Corporation Relies on Dividends from its Subsidiaries for Most of its Business Potential Acquisitions May Disrupt the Corporation s Business and Dilute Stockholder Value The Corporation May Not be Able to Attract and Retain Skilled People The Corporation s Information Systems May Experience an Interruption or Breach in Security The Corporation Continually Encounters Technological Change The Corporation is Subject to Claims and Litigation Pertaining to Fiduciary Responsibility The Long-term Economic Effects of External Events Could Impact the Corporation The Corporation s Stock Price Can be Volatile An Investment in the Corporation s Common Stock is Not an Insured Deposit Anti-takeover Effect of the Corporation s Articles of Incorporation, Bylaws, and Shareholders Rights Plan Future Changes in Laws and Regulations Earnings Effect from General Business and Economic Conditions

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