| http://www.w3.org/ns/prov#value | - or an unanticipated catastrophe, such as the Gulf of Mexico oil spill, 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; or ??a decrease in the value of collateral for loans, especially real estate, in turn reducing customers' borrowing power, the
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