adverse

Even though die individuals personally profited, die adverse interest exception was rejected because the wrongdoings were stealing "for" die company from outsiders in a Ponzi scheme, not "from" die company.

Such factors include specifically, but are not limited to, the possibility of prolonged adverse economic conditions or the development of an adverse interest rate environment.

Such factors include, but are not limited, to the possibility that adverse general economic conditions or that an adverse interest rate environment could develop.

These factors include, but are not limited to, the Company's success in implementing its initiatives, including its new branch opening, changes in general, economic and market, legislative and regulatory conditions and the development of an adverse interest rate environment that adversely affects the interest rate spread or other income anticipated from the Company's operations and investments.

In the letter to Fisher, Bruce states "based upon the serious issues raised by this audit by the Auditor General, we are asking that you as the Attorney General of the Commonwealth look into possible violations of the State Adverse Interest Act, as well as possible violations of Act 57(1) and the Commonwealth's Ethics Act.

The ability of a bank to fulfill its obligations under a letter of credit or guarantee might be affected by possible financial difficulties of its borrowers, adverse interest rate or economic conditions, regulatory limitations or other factors.

Such factors include, but are not limited to, the possibility that anticipated cost savings and revenue enhancements might not be realized and that adverse economic conditions or adverse interest rate conditions could develop.

These factors include, but are not limited to, Carver's success in implementing its initiatives, changes in general, economic and market, legislative and regulatory conditions and the development of an adverse interest rate environment that adversely affects the interest rate spread or other income anticipated from Carver's operations and investments.

The Negative Outlook reflects AF's profitability pressure due to the adverse interest rate environment that has caused significant net interest margin (NIM) compression during the past three years.

Risks were primarily concentrated in the areas of customer defaults, employee embezzlement, adverse interest rate directions, and a run on the bank.

These factors include, without limitation, the Company's success in implementing its initiatives, changes in general, economic and market, legislative and regulatory conditions and the development of an adverse interest rate environment that adversely effects the interest rate spread or other income anticipated from the Company's operations and investments.

I believe the net interest margin will stabilize close to existing levels and the balance sheet is well insulated against further adverse interest rate movements.

Such factors include, but are not limited to, the possibility that adverse economic conditions or that an adverse interest rate environment could develop.

Garbarino, Chairman, President and Chief Executive Officer said, "We are pleased to report consecutive quarters of earnings growth achieved despite the adverse interest rate environment.

Fitch estimates that after AEL's $200 million capital contribution in August 2006, AEILIC's current statutory capitalization as measured by risk-adjusted capital is in excess of 400% of the company action level and provides a cushion for adverse interest rate scenario events, as well as room for growth.