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This Web site contains several "forward-looking statements." Forward-looking statements are those, which use words such as "believe," "expect," "anticipate," "intend," "plan," "may," "will," "likely," "should," "estimate," "continue," "future" or other comparable expressions. These words indicate future events and trends. Forward-looking statements are the Company's current views with respect to future events and financial performance. These forward-looking statements are subject to many assumptions, risks and uncertainties, that could cause actual results to differ significantly from historical results or from those anticipated by the Company. The most significant risks are detailed from time to time in the Company's filings and reports with the Securities and Exchange Commission, including the Company's Annual Report on Form 10-K for the year ended June 30, 2007. Such risks include - but are not limited to - fluctuating interest rates, increased competition, regulatory changes, tightening labor markets, variable economic conditions, reliance on capital markets and adverse portfolio performance. It is advisable not to place undue reliance on the Company's forward-looking statements. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.The Company does not intend to update any presentation, unless it believes it is appropriate or necessary to do so in accordance with the SEC's Regulation FD.

If the Company updates a presentation in any material respect, it intends to post the updated presentation on the Company's Web site. Any presentation posted on the Web site is current only as of its date.

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