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These presentations may contain statements, including those relating to projected future financial performance or events. They are considered forward-looking statements within the meaning of the federal securities laws, specifically the Securities Litigation Reform Act of 1995. Forward-looking statements give our expectations or forecasts of future events. Sometimes these statements will use words such as "anticipate," "estimate," "expect," "project," "intend," "plan," "believe," "outlook," "forecast," and other similar words. These statements are not guarantees of our future performance and are subject to risks, uncertainties and other important factors that could cause our actual performance to be materially different from those we project.

Our actual results will be different due to the inherent nature of projections and may be better or worse than projected. Given these uncertainties, you should not rely on forward-looking statements. These forward-looking statements also represent our estimates and assumptions only as of the date that they initially were made. We expressly disclaim a duty to provide updates to any forward-looking statements, and the estimates and assumptions associated with them, to reflect events or circumstances or changes in expectations or the occurrence of anticipated events after the date they initially were made. Such risks and uncertainties include, but are not limited to, the Risk Factors noted in the Company's Consolidated Reports to the Financial Community and the Company's Form 10-K and other filings with the Securities and Exchange Commission.