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There may be a lack of liquidity and market for our ADSs and common shares.

In addition, the execution and performance of these transactions depend on our ability to develop adequate control and. Changes in market conditions that may affect our financial condition and results of operations include fluctuations in interest and currency exchange rates, securities prices, changes in the implied volatility of interest rates and foreign exchange rates, among others. Actualiazda believe that as a result of the Merger, we have greater scale and resources to grow and compete more effectively in Chile and Colombia.

Number of branches and offices. Such high levels of inflation in Chile or Colombia could adversely affect the Chilean and Colombian economies and have actulaizada adverse effect on our results of operations if such inflation is not accompanied by a matching devaluation of the local currency.

Loans and receivables from banks, net. If enacted, new regulations could require us to inject further capital into our business, restrict the type or volume of transactions we enter into, or set limits on or require the modification 18965 rates or fees that we charge on certain loans or other products, any of which could lower the return on our investments, assets and equity. Adtualizada to letter No. Actualizaada quality of service that we provide to our customers is key to our growth strategy.

This is the first high-income individuals segment in Chile with differentiated branches at ground floor to be access directly from the street, and additionally with differentiated mobile and web channels. In the past, there have been disputes in Colombia among merchants, payment services and banks regarding interchange fees.


Chile: Ley , Orgánica Constitucional De Municipalidades () —

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. We actualizqda assure you that we will be able to meet all of the applicable regulatory requirements and guidelines, or that we will not be subject to other sanctions, fines, restrictions on our business or other penalties in the future as a result of non-compliance.

These transactions are subject to market, liquidity, counterparty the risk of insolvency or other inability of a counterparty to perform its obligations to us and operational risks.

Jurisdiction of incorporation or organization. We may not be able to manage our growth successfully.


Transaction in the course of payment. As of today, we remain the only Chilean-based bank to have a footprint in Colombia through a universal bank. Time deposits and saving accounts.

Changes in accounting standards could impact reported earnings. Additionally, due to limitations in the availability of information and the developing information infrastructure in Chile and Colombia, actualizadaa assessment of the credit risks associated with a particular customer may not be based on complete, accurate or reliable information. We intend to increase our market share and profitability by continuing to cross-sell services and products to our existing clients.

For example, documentation may not incorporate terms and conditions of derivatives transactions as commonly understood in other countries. We are required under the Sarbanes-Oxley Act of to furnish actualzada report by our management on the effectiveness of our internal control over financial reporting and to include a report by our independent auditors attesting acctualizada such effectiveness.

An increase in market interest acfualizada in Chile or Colombia could increase our cost of funding, especially the cost of time deposits, and acctualizada reduce the spread we earn on our loans, materially and adversely affecting our business, financial condition and results of operations. Also, a strengthening of cross-industry labor movements may result in increased employee or labor costs that could materially and adversely affect our business, financial condition or results of operations.


Other mutual actulaizada loans. Our operations are focused on retail banking, as well as wholesale and commercial banking and providing financing and deposit services to SMEs and individuals with medium-high income levels. Substantially all of our loans are to borrowers doing business in Chile or Colombia. As attempted attacks continue to evolve in scope and actuallzada, we may incur significant costs in order to modify or enhance our protective measures against such attacks, or to investigate or remediate any vulnerability or resulting breach, or in communicating cyber-attacks to our customers.

We cannot assure you that there will not be further closures of the border, which may result in further deterioration of trade and could have a negative impact in the Colombian economy, especially in private consumption.

We seek to achieve organic growth in all of our lines of business in Chile and Colombia by offering competitive products and services to our clients. Changes in market interest rates in Chile or Colombia could affect the interest rates earned on our interest-earning assets differently from the interest rates paid on our interest-bearing liabilities leading to a reduction in our net interest income.

Products and services we offer focus on the traditionally underserved low-to-middle income segments of the Chilean population, where the consumer loans represent the core of the business. Net interest margin 1. The Chilean and Colombian economies have been influenced, to varying degrees, by economic conditions in other emerging market countries.

Additionally, Colombian financial institutions are subject to capital adequacy requirements that are based on applicable Basel Committee standards.