This Annual Report on Form 10-K (this "Report") contains statements which
constitute "forward-looking statements" within the meaning of the Private
Securities Litigation Reform Act of 1995. These statements appear throughout
this Report, including Item 1. "Business -- Business Operations," Item 1A. "Risk
Factors," and Item 7. "Management's Discussion and Analysis of Financial
Conditions and Results of Operations." These forward-looking statements can be
identified by the use of forward-looking terminology such as "believes,"
"expects," "may," "estimates," "will," "should," "plans," or "anticipates," or
the negative of the foregoing or other variations or comparable terminology, or
by discussions of strategy.
Readers are cautioned that any such forward-looking statements are not
guarantees of future performance and involve significant risks and
uncertainties, and that actual results may vary from those in the
forward-looking statements as a result of various factors.