715096--3/16/2007--COMMERCE_BANCORP_INC_/NJ/

related topics
{competitive, industry, competition}
{condition, economic, financial}
{financial, litigation, operation}
{regulation, government, change}
{system, service, information}
{acquisition, growth, future}
{stock, price, share}
{tax, income, asset}
The Company plans to continue its rapid growth and there are risks associated with such growth. The Company operates in a highly regulated environment and may be adversely affected by changes in laws and regulations. The Company has been advised that the Office of the Comptroller of the Currency is conducting an investigation. Changes in interest rates could reduce the Company s income and cash flows. If the Company does not adjust to changes in the financial services industry, its financial performance may suffer. The Company s future success will depend on its ability to compete effectively in a highly competitive market and geographic area. An interruption to the Company s information systems could impact the Company s operations. Economic conditions either nationally or locally in areas in which the Company s operations are concentrated may be less favorable than expected. The Company s common stock is not insured by any governmental agency and, therefore, investments in the Company's common stock involves risk.

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