201461--3/1/2007--CITY_NATIONAL

related topics

{regulation, change, law}

{condition, economic, financial}

{control, financial, internal}

{financial, litigation, operation}

{cost, contract, operation}

{competitive, industry, competition}

{loan, real, estate}

Factors That May Affect Future Results Changes in interest rates affect our profitability. Bank clients could move their money to alternative investments causing us to lose a lower cost source of funding. Significant changes in banking laws or regulations could materially affect our business. Increased competition from financial service companies and other companies that offer banking services could negatively impact our business. Our results would be adversely affected if we suffered higher than expected losses on our loans due to a slowing economy, real estate cycles or other economic events. General business and economic conditions may significantly affect our earnings. Our controls and procedures could fail or be circumvented. Changes in accounting standards or tax legislation. Negative public opinion could damage our reputation and adversely affect our earnings.

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201461--3/1/2007--CITY_NATIONAL_CORP