731939--3/8/2006--TEMPLE_INLAND_INC

related topics
{cost, regulation, environmental}
{condition, economic, financial}
{loss, insurance, financial}
{regulation, government, change}
{loan, real, estate}
Our manufacturing segments are affected by the cost of certain raw materials and energy. The corrugated packaging and forest products industries are cyclical in nature and experience periods of overcapacity. Our manufacturing activities are subject to environmental regulations and liabilities that could have a negative effect on our operating results. Our financial services segment operates in a highly regulated environment and may be adversely affected by changes in federal and local laws and regulations. Fluctuations in interest rates could reduce our financial services segment s profitability. If our allowance for loan losses is not sufficient to cover actual loan losses, the income from our financial services segment could decrease. We face risks related to the composition of our financial services segment s loan portfolio.

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