<table>
<tbody><tr style="vertical-align: top">
    <td style="width: 10%; text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="width: 5%; text-align: left; text-indent: 0in; line-height: 12pt; font-family: Symbol">·</td>
    <td style="width: 85%; text-align: justify; text-indent: 0in; line-height: 12pt">Increases in interest rates, salaries, or other operating expenses, which would have a negative impact on future earnings or cash flows;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: justify; text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: left; text-indent: 0in; line-height: 12pt; font-family: Symbol">·</td>
    <td style="text-align: justify; text-indent: 0in">Recent financial performance and cash flow trends;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: justify; text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: left; text-indent: 0in; line-height: 12pt; font-family: Symbol">·</td>
    <td style="text-align: justify; text-indent: 0in">Aspects of the legal and regulatory environment which are expected to impact future cash flows, such as the Dodd-Frank Act;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: justify; text-indent: 0in; line-height: 12pt">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: left; text-indent: 0in; line-height: 12pt; font-family: Symbol">·</td>
    <td style="text-align: justify; text-indent: 0in; line-height: 12pt">Management turnover;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: justify; text-indent: 0in; line-height: 12pt">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: left; text-indent: 0in">&nbsp;</td>
    <td style="text-align: left; text-indent: 0in; line-height: 12pt; font-family: Symbol">·</td>
    <td style="text-align: justify; text-indent: 0in; line-height: 12pt">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>