7789--2/28/2007--ASSOCIATED

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Our Articles of Incorporation, Bylaws, and Certain Banking Laws may have an Anti-Takeover Effect An Investment in Our Common Stock is not an Insured Deposit Our Profitability Depends Significantly on Economic Conditions in the States within which We do Business The Earnings of Financial Services Companies are Significantly Affected by General Business and Economic Conditions Our Earnings are Significantly Affected by the Fiscal and Monetary Policies of the Federal Government and Its Agencies We Operate in a Highly Competitive Industry and Market Area Consumers may Decide not to Use Banks to Complete Their Financial Transactions Severe Weather, Natural Disasters, Acts of War or Terrorism, and Other External Events could Significantly Impact Our Business Our Financial Condition and Results of Operations could be Negatively Affected if We Fail to Grow or Fail to Manage Our Growth Effectively Acquisitions May Disrupt Our Business and Dilute Stockholder Value We Continually Encounter Technological Change New Lines of Business or New Products and Services May Subject Us to Additional Risk Negative Publicity could Damage Our Reputation Unauthorized Disclosure of Sensitive or Confidential Client or Customer Information, Whether Through a Breach of Our Computer Systems or Otherwise, could Severely Harm Our Business Ethics or Conflict of Interest Issues could Damage Our Reputation We are Subject to Lending Concentration Risks Changes in Economic and Political Conditions could Adversely Affect Our Earnings, as Our Borrowers Ability to Repay Loans and the Value of the Collateral Securing Our Loans Decline Our Allowance for Loan Losses may be Insufficient We are Subject to Environmental Liability Risk Associated with Lending Activities Lack of System Integrity or Credit Quality Related to Funds Settlement could Result in a Financial Loss Financial Services Companies Depend on the Accuracy and Completeness of Information about Customers and Counterparties Liquidity is Essential to Our Businesses We Rely on Dividends from Our Subsidiaries for most of Our Revenue We are Subject to Interest Rate Risk The Impact of Interest Rates on Our Mortgage Banking Business can be Large and Complex Changes in Interest Rates could also Reduce the Value of Our Mortgage Servicing Rights and Earnings We are Subject to Extensive Government Regulation and Supervision We are Subject to Examinations and Challenges by Tax Authorities We are Subject to Claims and Litigation Pertaining to Fiduciary Responsibility We may be a Defendant in a Variety of Litigation and Other Actions, Which may have a Material Adverse Effect on our Financial Condition and Results of Operation Changes in Our Accounting Policies or in Accounting Standards could Materially affect how We Report Our Financial Results and Condition Our Internal Controls may be Ineffective Impairment of Goodwill or Other Intangible Assets could Require Charges to Earnings, which could Result in a Negative Impact on Our Results of Operations We may not be able to Attract and Retain Skilled People Loss of Key Employees may Disrupt Relationships with Certain Customers Because the Nature of the Financial Services Business Involves a High Volume of Transactions, We Face Significant Operational Risks

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7789--2/28/2007--ASSOCIATED_BANC-CORP