Forwardlooking statements include, but are not limited to, statements made in this document, the Management’s Discussion and Analysis (“MD&A”) in the bank’s 2019 Annual Report under the heading “Economic Summary and Outlook”, for the Canadian Retail, U.S. Retail, and Wholesale Banking segments under headings “Business Outlook and Focus for 2020”, and for the Corporate segment, “Focus for 2020”, and in other statements regarding the bank’s objectives and priorities for 2020 and beyond and strategies to achieve them, the regulatory environment in which the bank operates, and the bank’s anticipated financial performance.