861955--4/1/2008--CIB_MARINE_BANCSHARES

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CIB Marine has suffered large losses in recent years and may not be able to execute its strategic plan and return to profitability. CIB Marine is subject to liquidity risk and has long-term obligations on which it has deferred interest payments. CIB Marine s results of operations are subject to general and regional economic conditions, which are beyond its control. CIB Marine operates in a highly regulated environment and is subject to supervision and examination by various federal and state regulatory agencies. CIB Marine is subject to litigation. CIB Marine s loan portfolio contains concentrations of credit to one borrower, related borrowers or borrowers in the same industry, which creates CIB Marine s profitability is dependent upon its ability to manage net interest CIB Marine is subject to credit risk. There is not presently an active market for shares of CIB Marine common stock and, therefore, you may be unable to sell any shares of common stock in the event that you need a source of liquidity.

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861955--4/1/2008--CIB_MARINE_BANCSHARES_INC