Deterioration in economic conditions in the markets we serve could result in one or more of the following: • an increase in loan delinquencies; • an increase in problem assets and foreclosures; • a decrease in the demand for our products and services; • a decrease in the value of collateral for loans, especially real estate, in turn reducing our customers’ borrowing power, the value of assets associated with problem loans and collateral coverage; and/or • a decrease in supply of customer deposits, which could impact our liquidity.