750577--2/27/2009--HANCOCK_HOLDING

related topics

{condition, economic, financial}

{stock, price, share}

{capital, credit, financial}

{regulation, change, law}

{competitive, industry, competition}

{cost, contract, operation}

{provision, law, control}

{operation, natural, condition}

{acquisition, growth, future}

{loss, insurance, financial}

{regulation, government, change}

{loan, real, estate}

We may be vulnerable to certain sectors of the economy . Difficult market conditions have adversely affected the industry in which we operate. There can be no assurance that the Emergency Economic Stabilization Act of 2008 will help stabilize the U.S. Financial System. We are subject to a risk of rapid and significant changes in market interest rates. Certain changes in interest rates, inflation, deflation, or the financial markets could affect demand for our products and our ability to deliver products efficiently. Changes in the policies of monetary authorities and other government action could adversely affect our profitability. Natural disasters could affect our ability to operate. Greater loan losses than expected may adversely affect our earnings. The projected benefit obligations of our pension plan exceed the fair value of the Plan s assets. We may need to rely on the financial markets to provide needed capital. We are subject to regulation by various Federal and State entities. We engage in acquisitions of other businesses from time to time. We are subject to industry competition which may have an impact upon our success. Future issuances of additional securities could result in dilution of shareholders ownership. Anti-takeover laws and certain agreements and charter provisions may adversely affect share value. Securities issued by us, including our common stock, are not FDIC insured.

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750577--2/27/2009--HANCOCK_HOLDING_CO