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In general, the enforceability in Chile of final judgments of United States courts does not require retrial in Chile. We have included herein certain information in Chilean Banking GAAP with respect to the Chilean financial system and the financial performance of the bank.

Se requiere revisar la norma mexicana tomando como base la norma internacional ISO Colombian tax haven regulation could adversely affect our business and financial results. Our financial success depends on, among other factors, our ability to accurately balance the risks we take and the returns we gain from our transactions.

Such forward-looking statements are not guarantees of future performance and involve risks and uncertainties, and actual results actuaoizada differ materially from those described in such forward-looking statements included in this Annual Report as a result of various factors including, without limitation, the actions of competitors, future global economic conditions, market conditions, currency exchange rates and operating and financial risksmany of which are beyond our control.

This could result in strikes or work stoppages, which could result in substantial losses.

In andafter the Merger was announced but prior to its consummation, expenses were related to transaction costs associated to the closing of the Merger, such as investment banks, legal advisors, auditors, filing fees, printing expenses and other related charges.

The SBIF publishes the consolidated risk index ratio of allowance for loans losses over total loans of the Chilean financial system on a monthly basis. Esta Norma Mexicana establece las especificaciones de calidad que deben cumplir las colchas para uso hospitalario.

Our consumer loan portfolio may experience loan losses due to the absence of collateral in respect of unsecured loans, insufficient collateral in collateralized loans, and risks relating to the circumstances of individual borrowers, including unemployment or incapacitation of our actualizsda borrowers. Failure to protect personal information could materially and adversely affect our business, financial condition and results of operations.


There are no limits imposed on the extent to which the rate of exchange in the Informal Exchange Market can fluctuate above or below the Observed Exchange Rate. We intend to increase our market share and profitability by continuing to cross-sell services and products to our existing clients. Currently, we have 20 premium branches and 37 traditional branches with a space for Personal Bank.

If we require additional capital in the future, we cannot assure you that we will be able to obtain such capital on favorable terms, in a timely manner or at all.

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Certain developments could affect our ability to continue to satisfy the current capital adequacy requirements applicable to us, including: Dividend per common share 4. Our existing shareholders who do not participate in actualizaad future preemptive rights offering will suffer an immediate dilution of their percentage equity participation in us.

Esta Norma Mexicana establece las especificaciones de la funda para mesa mayo desechable de uso hospitalario.

We are exposed to maturity mismatches between our loans and sources of funding. Accordingly, we may not be successful in managing credit card and consumer finance operations outside of our traditional domestic market in.

We will continue to consider additional strategic acquisitions and alliances from time to time, inside and outside of Chile and Colombia. As a result, it may be difficult for investors to effect service of process within the United States on such persons or to enforce judgments against them, including in any action based on civil liabilities under the United States federal securities laws.

In the event of a natural disaster, unanticipated problems with our disaster recovery systems could have a material adverse impact on our ability to conduct business in the affected region, particularly if those problems affect our computer-based data processing, transmission, storage and retrieval systems and destroy valuable data.

The Colombian government has established a cap on the fees banks can charge on withdrawals from ATMs outside their own networks. The preparation of our tax returns requires the use of estimates and interpretations of complex tax laws and regulations and is subject to review by taxing authorities.


Consequently, this could materially and adversely affect the liquidity, business and financial condition of our customers, which may in turn cause us to experience higher levels of past due loans, and result in higher allowances for loan losses, which could in turn materially affect our asset quality, results of operations and financial conditions. We believe that an excessive concentration with respect to a particular risk factor could have a material adverse effect on our business, financial condition and results of operations.

Colombia has experienced internal security issues that have had or could have in the future a negative effect on the Colombian economy. Counterparty risk may arise from, for example, investing in securities of third parties, entering into derivative contracts under which counterparties have obligations to make payments to us or executing securities, futures, currency or commodity trades from proprietary trading activities that fail to settle at the required time due to non-delivery by the counterparty or systems failure by clearing agents, clearing houses or other financial intermediaries.

A natural disaster or multiple catastrophic events could have a material adverse effect on local businesses in the affected region and could result in substantial volatility or adverse harm in our business, financial condition and results of operations for any fiscal quarter or year.


Vocabulario aplicable al sistema producto leche. The majority of our directors or executive officers are not residents of the United States and a substantial portion of our assets and the assets of these persons are located outside the United States.

Ya no es necesario trabajar este tema en la industria.