FORWARD LOOKING STATEMENTS

When used in this Annual Report and the documents incorporated herein by reference, the terms "anticipates," "believes," "expects," and similar expressions are intended to identify in certain circumstances, forward-looking statements. Such statements are subject to a number of risks and uncertainties that could cause actual results to differ materially from those projected, including the risks described in this Annual Report. Given these uncertainties, readers are cautioned not to place undue reliance on such statements. The company also undertakes no obligation to update those forward-looking statements.