<table>
<tbody><tr>
    <td style="width: 54pt">&nbsp;</td>
    <td style="width: 15pt; text-align: left; vertical-align: top">•</td>
    <td style="text-align: justify">Increases in interest rates, salaries, or other operating expenses, which would have a negative
    impact on future earnings or cash flows;</td></tr>
<tr>
    <td>&nbsp;</td>
    <td style="text-align: left; vertical-align: top">&nbsp;</td>
    <td style="text-align: justify">&nbsp;</td></tr>
<tr>
    <td>&nbsp;</td>
    <td style="text-align: left; vertical-align: top">•</td>
    <td style="text-align: justify">Recent financial performance and cash flow trends;</td></tr>
<tr>
    <td>&nbsp;</td>
    <td style="text-align: left; vertical-align: top">&nbsp;</td>
    <td style="text-align: justify">&nbsp;</td></tr>
<tr>
    <td>&nbsp;</td>
    <td style="text-align: left; vertical-align: top">•</td>
    <td style="text-align: justify">Aspects of the legal and regulatory environment which are expected to impact future cash flows,
    such as the Dodd-Frank Act;</td></tr>
<tr>
    <td>&nbsp;</td>
    <td style="text-align: left; vertical-align: top">&nbsp;</td>
    <td style="text-align: justify">&nbsp;</td></tr>
<tr>
    <td>&nbsp;</td>
    <td style="text-align: left; vertical-align: top">•</td>
    <td style="text-align: justify">Management turnover;</td></tr>
<tr>
    <td>&nbsp;</td>
    <td style="text-align: left; vertical-align: top">&nbsp;</td>
    <td style="text-align: justify">&nbsp;</td></tr>
<tr>
    <td>&nbsp;</td>
    <td style="text-align: left; vertical-align: top">•</td>
    <td style="text-align: justify">Economic and industry conditions.</td></tr>
</tbody></table>
<table>
<tbody><tr>
<td> </td>
<td>•</td>
<td>Increases in interest rates, salaries, or other operating expenses, which would have a negative
    impact on future earnings or cash flows;</td></tr>
<tr>
<td> </td>
<td> </td>
<td> </td></tr>
<tr>
<td> </td>
<td>•</td>
<td>Recent financial performance and cash flow trends;</td></tr>
<tr>
<td> </td>
<td> </td>
<td> </td></tr>
<tr>
<td> </td>
<td>•</td>
<td>Aspects of the legal and regulatory environment which are expected to impact future cash flows,
    such as the Dodd-Frank Act;</td></tr>
<tr>
<td> </td>
<td> </td>
<td> </td></tr>
<tr>
<td> </td>
<td>•</td>
<td>Management turnover;</td></tr>
<tr>
<td> </td>
<td> </td>
<td> </td></tr>
<tr>
<td> </td>
<td>•</td>
<td>Economic and industry conditions.</td></tr>
</tbody></table>