With respect to the risks particularly associated with the integration of an acquired business, we may encounter a number of difficulties, such as: • customer loss and revenue loss; • the loss of key employees; • the disruption of our operations and business; • our inability to achieve expected cost savings and synergies; • our inability to maintain and increase competitive presence; • greater than expected negative effects of any divestitures required by regulatory authorities; • possible inconsistencies in standards, control procedures and policies; and/or • unexpected problems with operations, personnel, technology, credit and costs, or reduced cost savings.