Item 3. LEGAL PROCEEDINGS

In addition to those legal proceedings discussed in Note 24, Commitments and Contingencies, and Note 26, Regulatory Environment, we are currently, and from time to time, subject to claims and suits arising in the ordinary course of business. Although the results of these additional legal proceedings cannot be predicted with certainty, management believes, after consultation with legal counsel, that the ultimate resolution of these proceedings will not have a material impact on our financial statements.