921051--3/29/2007--TF_FINANCIAL

related topics

{personnel, key, retain}

{provision, law, control}

{loss, insurance, financial}

{regulation, government, change}

{capital, credit, financial}

{stock, price, share}

{condition, economic, financial}

If the allowance for loan losses is inadequate, earnings will be reduced as the reserve is replenished. If the Company must raise the interest rates it pays to attract or retain its deposits, earnings will be reduced. Failure to attract or retain key individuals could severely affect the Company s business objectives. The Company operates in a highly regulated industry, and changes to regulations can require costly adjustments to the Company s practices and procedures. The Company is vulnerable to interest rate risk The Company s ability to pay dividends on its common stock can be negatively affected by regulation of its bank subsidiary. Insider control and provisions in the Company s charter and by-laws can be a deterrent to a sale of the Company.

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921051--3/29/2007--TF_FINANCIAL_CORP