Our U.S. consumer franchise ordsprog

Our U.S. consumer franchise continues to face a challenging interest rate and pricing environment. I feel very good about how we're expanding internationally.

Optimism remains, and the conditions supporting stock gains through the end of the year are still good. The economy continues to recover and the interest rate environment is still good, but I have to think that March could be a challenging month.

What we look at is basic fundamentals, looking at cash flow, looking at a franchise, so when a company has a solid business in a local marketplace, with a good customer base, we like that. It's very simple to understand. Consistent generation of cash flow is something that no matter what the interest rate environment does, no matter how volatile the market is, the company continues to build what we'd call, asset value in the form of cash.

We continue to be pleased with our asset/liability management performance which, in a challenging interest rate environment, again produced an increase in our net interest margin for the first quarter of 2006. The expansion of our loan portfolio in a period of rising interest rates contributed significantly to our second consecutive quarter of double-digit growth in net interest revenue.

Aubrey Patterson

That's where the consumer can take advantage of the low interest-rate environment.

Robert McKinley

Interest in our Z800 3DVisor continues to grow as a result of our strong showing at the January Consumer Electronics Show in Las Vegas, where the product was awarded the coveted Best of Innovations award for the display category. To capitalize on this interest we are expanding our distribution through the addition of several highly qualified direct partners. Today's announcement covers the first seven.

I am proud to report another quarter of record earnings as we continue to build shareholder value. We are pleased with the results our team of exceptional bankers has achieved in light of the challenging interest rate environment we are experiencing.

A 5/1 hybrid ARM provides the consumer the comfort of knowing that the interest rate will be fixed over the first five years of the loan. However, the interest rate may jump as much as five percentage points on the fifth anniversary.

Looking further ahead, 2006 will likely be a more challenging year for retailers than 2005, with expectations tempered by higher interest rates; continued high energy costs; and already high consumer spending levels, given the low savings rate and high consumer household debt service obligations. Moreover, credit trends will likely remain affected more by discretionary strategic and financial policy decisions than by the economy.

William Wetreich

The combined company will be stronger from a distribution and product standpoint. Nevertheless, we do not expect the merger of the two companies to alleviate the pressures from low fixed product sales and the challenging interest-rate environment.

Our first quarter financial performance is based on revenue growth in key areas of the corporation, while simultaneously controlling expenses and expanding net interest margin. Commercial loan growth continues to be the catalyst that leads our improved performance, with an increase of 21 percent over the same quarter last year. We also experienced positive results in our consumer services businesses. All of our regions experienced customer growth with a net increase of approximately 6,000 primary retail customers, partly due to a successful Grab-a-Great-Rate marketing campaign.

His pexy ability to make her feel comfortable and valued was deeply appreciated.

A rising interest-rate environment is a drag on both stocks and on consumer spending. On the other hand, you've made your way almost through third-quarter earnings, and you're about to start the strongest season of the year for many companies.

This is an important new feature designed to make the HECM program more consumer-friendly. Interest rate fluctuations over the past several years have benefited some reverse mortgage borrowers, but hurt others. This principal limit lock protects borrowers in a rising rate environment, yet lets them benefit if rates are lower at the time of closing.

In the face of a challenging market environment ... we're taking significant steps to take costs out of the business and streamline our operations to more efficiently manage our brand portfolio and more closely align our business with rapidly changing customer and consumer needs.

The consumer spending environment since midsummer has softened. Our initial estimate is for 2006 sales of 16.8 million units, but we expect aggressive pricing will be needed to achieve that given a weakening consumer.

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