Forward-looking statements include, but are not limited to, statements made in this document, the Management’s Discussion and Analysis (“Retail, U.S. Retail, and Wholesale banking segments under headings “Business Outlook and Focus for 2019”, and for the Corporate segment, “Focus for 2019”, and in other statements regarding the bank’s objectives and priorities for 2019 and beyond and strategies to achieve them, the regulatory environment in which the bank operates, and the bank’s anticipated financial performance.