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      "text": "our ability to execute our growth strategy; negative economic conditions...; our ability to raise cost-effective funding...; risks with respect to our ability to successfully expand...; the financial success and viability of the borrowers...; changes in U.S. monetary policy...; the transition away from LIBOR...; competitive pressures...; any negative perception of our reputation...; our ability to raise additional capital...; our ability to use technology...; adverse effects on our information technology systems...",
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