Cautionary Statement Regarding Forward Looking Statements

This annual report contains forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of 1995.  These statements relate to future events or our future financial performance.  Some discussions in this report may contain forward-looking statemetns that involve risk and uncertainty.  A number of important factors could cause our actual results to differ materially from those expressed in any forward-looking statements made in this report.  Forward-looking statements are often identified by words like: "beleive", "expect", "estimate", "anticipate", "intend",...