828944--3/16/2009--WSFS_FINANCIAL

related topics

{condition, economic, financial}

{product, market, service}

{personnel, key, retain}

{stock, price, share}

{capital, credit, financial}

{acquisition, growth, future}

{competitive, industry, competition}

{loss, insurance, financial}

{cost, regulation, environmental}

{regulation, change, law}

Recent legislative and regulatory initiatives to address difficult market and economic conditions may not stabilize the U.S. economy or the U.S. banking system. Difficult market conditions and economic trends have adversely affected our industry and our business The securities purchase agreement between us and Treasury permits Treasury to impose additional restrictions on us retroactively. Future loan losses may negatively impact the Company. Rapidly changing interest rate environments could reduce our profitability. Current levels of market volatility are unprecedented. Our profitability could be adversely affected if we are unable to promptly deploy the capital raised in our recent offering. The financial services industry is very competitive. Adverse changes in the economic growth and vitality in our banking markets may negatively impact us. We are subject to extensive regulation. We may not be able to achieve our growth plans or effectively manage its growth. Inability to hire or retain certain key professionals, management and staff could adversely affect our revenues and net income. We continually encounter technological change.

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828944--3/16/2009--WSFS_FINANCIAL_CORP