865911--3/6/2007--CASCADE

related topics

{condition, economic, financial}

{product, market, service}

{loan, real, estate}

{personnel, key, retain}

{loss, insurance, financial}

{system, service, information}

{control, financial, internal}

{cost, regulation, environmental}

{competitive, industry, competition}

{regulation, change, law}

Adverse changes in economic growth and vitality in the Company s banking markets may negatively impact the Company. The Company has a concentration in real estate lending. A sustained downturn in real estate within the Company s markets could negatively impact the Company. The Company s reserve for loan losses and unfunded commitments may not be adequate to cover actual loan losses. The inability to attract or retain key banking employees could adversely affect revenues and net income. Changes in interest rates could adversely impact the Company. The Company is subject to extensive regulation. Competition may adversely affect the Company. Our information systems may experience an interruption or breach in security. We continually encounter technological change. The Company s controls and procedures may fail or be circumvented.

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865911--3/6/2007--CASCADE_BANCORP