| http://www.w3.org/ns/prov#value | - cost of funds; (3) federal and state regulation of lending, deposit and other operations, including the regulatory enforcement actions to which we and the Bank are currently, and may in the future be, subject; (4) competition for financial products and services within the Bank???s market areas; (5) operational and infrastructural risks; (6) capital market activities; (7) critical accounting estima
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