The market price of our common stock may fluctuate substantially due to a variety of factors, many of which are beyond our control, including, without limitation: • actual or anticipated variations in our quarterly and annual operating results, financial condition or asset quality; • changes in general economic or business conditions, both domestically and internationally; • the effects of, and changes in, trade, monetary and fiscal policies, including the interest rate policies of the Federal Reserve, or in laws and regulations affecting us; • changes in the credit, mortgage and real estate markets • the number of securities analysts covering us; • our creditworthiness; • publication of research reports about us, our competitors, or the financial services industry generally, or changes in, or failure to meet, securities analysts’ estimates of our financial and operating performance, or lack of research reports by industry analysts or ceasing of coverage; • changes in market valuations or earnings of companies that investors deemed comparable to us; • the average daily trading volume of our common stock; • future issuances of our common stock or other securities; • changes in dividends on our common stock; • additions or departures of key personnel; • perceptions in the marketplace regarding our competitors and/or us; • significant acquisitions or business combinations, strategic partnerships, joint ventures or capital commitments by or involving our competitors or us; and • other news, announcements or disclosures (whether by us or others) related to us, our competitors, our core market or the financial services industry.