1 Forward-Looking Information The LCR rule sets forth minimum liquidity standards designed to ensure that Covered Companies maintain adequate liquidity under a 30-calendar day period of stress. Accordingly, the LCR rule prescribes assumptions with respect to the liquidity of certain asset classes and cash flows associated with contractual and contingent obligations. This document may contain forward-looking information based on these assumptions. These assumptions are not intended to be a forecast by the Company of expected future liquidity or cash flows, but rather reflect possible outcomes based on the requirements of the LCR rule. While this forward-looking information represents the Company's judgements and expectations concerning the matters described above, a number of risks, uncertainties and other important factors can cause actual developments and results to differ materially. 9