702902--3/13/2009--HARLEYSVILLE_NATIONAL_CORP

related topics
{condition, economic, financial}
{competitive, industry, competition}
{stock, price, share}
{loss, insurance, financial}
{regulation, government, change}
{tax, income, asset}
{cost, operation, labor}
Interest rate movements impact the earnings of the Corporation. The Corporation is exposed to risks in connection with loans the Bank makes and if the allowance for loan losses is not sufficient to cover actual loan losses, the Corporation s earnings could decrease. The Corporation s ability to pay dividends is subject to limitations. The Corporation may fail to realize the anticipated benefits from mergers. Future acquisitions by the Corporation could dilute shareholder ownership of the Corporation and may cause the Corporation to become more susceptible to adverse economic events. An economic downturn in eastern Pennsylvania or a general decline in economic conditions could adversely affect the Corporation s financial results. The soundness of other financial institutions may adversely affect the Corporation Current levels of market volatility may have materially adverse effects on the Corporation s liquidity, financial condition and/or profitability. Strong competition within the Corporation s market area may limit its growth and profitability. The Corporation operates in a highly regulated environment and may be adversely affected by changes in laws and regulations.

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