FORWARD LOOKING STATEMENTS

The U.S. Securities and Exchange Commission encourages companies to disclose forward-looking information so that investors can better understand a company's future prospects and make informed investment decisions. This website contains "forward-looking statements" as that term is defined in the U.S. Private Securities Litigation Reform Act of 1995. Words such as "anticipate," "estimate," "expects," "projects," "intends," "plans," "believes," "will" and words and terms of similar substance typically indicate forward-looking statements. All forward-looking statements are management's present expectations of future events and are subject to a number of factors and uncertainties that could cause actual results to differ materially from those described in the forward-looking statements.

You are cautioned not to place undue reliance on such forward-looking statements, which speak only as of the date they were made. We are not under any obligation, and expressly disclaim any obligation, to update or alter any forward-looking statements, whether as a result of new information, future events or otherwise. All subsequent forward-looking statements attributable to CapSource Financial, Inc., its affiliates or any person acting on their behalf are expressly qualified in their entirety by the cautionary statements referred to in this section.

We operate in a highly competitive environment with a significant amount of government regulation. Our business is subject to fluctuation due to economic, political and social conditions in the countries in which we operate and the industry in which we operate. These risks and uncertainties principally relate to the risks associated with the transportation industry and include, but are not limited to:

• our operating and/or financial performance, including the effect of new accounting standards on our reported financial results
  
  
• fluctuations in interest rates
  
  
• changes in consumer and business confidence levels
  
  
• fuel prices and availability
  
  
• price changes from the manufacturers we buy from, which may be due to changes in raw material and other input costs
  
  
• our ability to continue to meet customer specifications relating to product performance, cost, quality, delivery and service
  
  
• industry cyclicality or seasonality
  
  
• trade and/or labor issues or disruptions
  
  
• customer pricing pressures, pricing concessions and cost absorptions
  
  
• our relationship with and dependence on certain customers
  
  
• currency exposure
  
  
  

Some of the other factors that also could cause actual results to differ from those described in, or otherwise projected or implied by, the forward-looking statements include those identified under the heading "Risk Factors" in documents we have filed with the Securities and Exchange Commission (some of which can be accessed from this website).