Such forward-looking statements are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and include estimates and assumptions related to economic , competitive and legislative developments . � � These forward-looking statements are subject to change and uncertainty that are , in many instances , beyond the company 's control and have been made based upon management 's expectations and beliefs concerning future developments and their potential effect on Fremont Michigan InsuraCorp , Inc . � � For a list of factors which could affect Fremont 's results , see Fremont 's filings with the SEC , including " Item � � 1A .