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This presentation contains forward-looking statements that reflect our plans, estimates
and beliefs. Actual results could differ materially from those described in these forwardlooking statements. We have made various forward-looking statements in this
presentation. Examples of such forward-looking statements include:
- statements of plans, intentions, expectations, objectives or goals, including those
relating to revenue or income growth, return on equity, asset flows, balance sheet
or risk management, investment agenda, expense management, mass affluent and
affluent client acquisition strategy, advisor productivity, consolidated tax rate and
share repurchase;
- statements about future business performance, the competitive environment, the
performance of equity and credit markets and the economic performance of the
United States and global economies; and
- statements of assumptions underlying such statements.
The words “believe,” “expect,” “anticipate,” “optimistic,” “intend,” “plan,” “aim,”
“will,” “may,” “should,” “could,” “would,” “likely” and similar expressions are intended
to identify forward-looking statements but are not the exclusive means of identifying
such statements. Forward-looking statements are subject to risks and uncertainties, which
could cause actual results to differ materially from such statements.
Such risks and uncertainties include, but are not limited to:
- changes in valuations, liquidity and volatility in the equity, credit and currency
market environments;
- changes in the litigation and regulatory environment, including ongoing legal
proceedings and regulatory actions;
- investment management performance and consumer acceptance of our products;
- effects of competition in the financial services industry and changes in product
distribution mix and distribution channels;
- our capital structure, including ratings and indebtedness, and limitations on
subsidiaries to pay dividends;
- risks of default by issuers of investments we own or by counterparties to hedge,
derivative or reinsurance arrangements;
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