FIRST COMMERCE BANK

Item 1. Description of Business   This Report contains statements which constitute forward-looking statements under federal securities laws, including the Securities Act of 1933 and the Securities Exchange Act of 1934. These statements are based on many assumptions and estimates and are not guarantees of future performance. Our actual results may differ materially from those projected in any forward-looking statements, as they will depend on many factors about which we are unsure, includin...

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