1035092--3/17/2008--SHORE_BANCSHARES

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{stock, price, share}

{condition, economic, financial}

{loan, real, estate}

{competitive, industry, competition}

{loss, insurance, financial}

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{personnel, key, retain}

{product, market, service}

{acquisition, growth, future}

{stock, price, operating}

Risks Relating to the Business of the Company and its Affiliates The Company s future depends on the successful growth of its subsidiaries A majority of our business is concentrated in Maryland and Delaware; a significant amount of our business is concentrated in real estate lending Interest rates and other economic conditions will impact our results of operation Interest rates and other economic conditions will impact our results of operation Interest rates and other economic conditions will impact our results of operation The Banks may experience loan losses in excess of their allowances The market value of our investments might decline The banking industry is heavily regulated; significant regulatory changes could adversely affect our operations We operate in a highly competitive market The loss of key personnel could disrupt our operations and result in reduced earnings We may be subject to claims We may be adversely affected by recent legislation We may not be able to keep pace with developments in technology Risks Relating to the Company s Common Stock The Company s ability to pay dividends is limited The shares of the Company s common stock are not insured The shares of the Company s common stock are not heavily traded The Company s Articles of Incorporation and Bylaws and Maryland law may discourage a corporate takeover

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1035092--3/17/2008--SHORE_BANCSHARES_INC