707179--2/27/2009--OLD_NATIONAL_BANCORP

related topics

{loan, real, estate}

{condition, economic, financial}

{competitive, industry, competition}

{system, service, information}

{regulation, government, change}

{product, liability, claim}

{personnel, key, retain}

{loss, insurance, financial}

{acquisition, growth, future}

{property, intellectual, protect}

If Old National s actual loan losses exceed Old National s allowance for loan losses, Old National s net income will decrease. Old National s loan portfolio includes loans with a higher risk of loss. If Old National forecloses on collateral property, Old National may be subject to the increased costs associated with the ownership of real property, resulting in reduced revenues. We face risks with respect to future expansion. Old National operates in an extremely competitive market, and Old National s business will suffer if Old National is unable to compete effectively. The loss of key members of Old National s senior management team could adversely affect Old National s business. A breach of information security or compliance breach by one of our agents or vendors could negatively affect Old National s reputation and business. Old National Is Subject To Claims and Litigation Pertaining To Fiduciary Responsibility Risks Related to the Banking Industry Changes in economic or political conditions could adversely affect Old National s earnings, as Old National s borrowers ability to repay loans and the value of the collateral securing Old National s loans decline. Current levels of market volatility are unprecedented Changes in interest rates could adversely affect Old National s results of operations and financial condition. Old National operates in a highly regulated environment, and changes in laws and regulations to which Old National is subject may adversely affect Old National s results of operations. Changes in technology could be costly.

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707179--2/27/2009--OLD_NATIONAL_BANCORP_/IN/