713671--3/28/2008--DNB_FINANCIAL_CORP

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{interest, director, officer}

Our Profitability is Affected by Interest Rate Changes. Small Size and Geographic Restrictions. Director and Officer Liability Limitations. Risks Related to the Execution of DNB's Strategic Plan. Possible Dilution from Future Equity or Debt Offerings. If the Economy Gets Worse in Our Market, our Profits Could Be Hurt. If our Allowance for Credit Losses is Not Enough to Cover Future Credit Losses, or if We Do Not Manage our Credit Risks, our Earnings Could Decrease. We Have a Concentration of Exposure to Some Borrowers, Which Adds to our Risks. Unexpected Events Affecting our Marketing Partners Could Hurt Our Revenues. Our Expansion Plans May Not be Successful. Unexpected Disasters May Hurt Our Profitability and Your Investment. On a Liquidation or in Certain Other Cases, Our Debt Holders May Hold Rights Superior to Shareholders. Our Governing Documents May Reduce the Influence of an Individual Shareholder. Our Governing Documents May Make it More Difficult for Another Company to Buy DNB.

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713671--3/28/2008--DNB_FINANCIAL_CORP_/PA/