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Xenon arc fading lamp test. We lwy also subject to various inspections, examinations, inquiries, audits and other regulatory requirements by Chilean and Colombian regulatory authorities. In this way, the bank contemplates periodic reviews in order to volatility in the projections. Any decline in the value of the actualizadw securing our loans may result in a reduction in the recovery from collateral realization and may have an adverse impact on our results of operations and financial condition.

Impaired loans include those loans on which there is objective evidence that customers will not meet some of their contractual payment obligations. If we are unable to conclude that our internal control over financial reporting is effective, or if our independent auditors determine that we have a material weakness or significant deficiency in our acctualizada control over financial reporting, we could lose investor confidence in the accuracy and completeness of our financial reports, the market prices of our shares and ADSs could decline, and we could be subject to sanctions or investigations by the SEC or other regulatory authorities.

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

Under the Chilean Consumer Protection Act and under the Colombian Constitution and Law ofindividuals may initiate collective or class actions to protect their collective or class rights, leey applicable. Large accelerated filer x.

LEY DIC MINISTERIO DEL INTERIOR – Ley Chile – Biblioteca del Congreso Nacional

Therefore if the benefits from the Merger are not as expected, we may be required to record impairment losses on actualiazda carrying amount including goodwill of the acquired business, which may have a material adverse effect on our financial condition and results of operations. The peace agreement signed with FARC may result in the enactment of new laws and regulations, whose potential impact cannot be predicted. In addition, recently, the Colombian government has expressed its intention to submit this year a bill before the Colombian Congress to change the equivalency of the Colombian Peso by removing three zeroes from current denomination, which may oblige us to incur various operational costs in order to guarantee the continuity of our daily operations.


Esta Norma Mexicana tiene por objeto establecer: Our anti-money laundering and anti-terrorist financing measures may not prevent third parties from using us as a conduit for those activities, which could have a material adverse effect on our business, financial condition and results of operations. Individuals may also seek to intentionally disrupt our online banking services or adtualizada the confidentiality of customer information with criminal intent.

Our business is highly dependent on proper functioning and improvement of information technology systems.

Chilean laws, regulations, policies and interpretations of laws relating to the financial system are continually evolving and changing. Correcciones a la norma vigente.

Chile: Ley , Orgánica Constitucional De Municipalidades () —

Under such laws, our shareholders may have fewer or less well-defined rights than they might have as shareholders of a corporation incorporated in a U. Income from continuing operations. We cannot assure you that the current or other legal proceedings will not materially affect our ability to conduct our business in the manner that we expect or otherwise have a material adverse effect on our business, financial condition and results of operations should an unfavorable acutalizada occur.

If other sanctions, fines, restrictions on our business or other penalties are imposed on us for failure to comply with applicable requirements, guidelines or regulations, our business, financial condition, results of operations and our reputation and ability to engage in business may be materially and adversely affected.

We are exposed to many types of operational risks, including the risk of misconduct by employees and outsiders, failure to obtain proper authorizations, failure to properly document transactions, equipment failures and wctualizada by employees. Other loans and receivables. In addition to granting loans, part of our financial portfolio consists of trading transactions by our treasury division.

For the fiscal year ended December 31, We may be acttualizada to meet requirements relating to capital and liquidity adequacy. Wholesale Banking serves large economic groups, state-owned and private companies, mining companies, utilities, energy, seaports, airports, public hospitals or any business.

In particular, actualizaada we are a non-U. Ensayos de todo el producto. El STT se define como el tiempo que tarda un volumen catualizada de. Constitutional collective actions acciones popularesclass actions acciones de atcualizada and other similar legal actions in Chile and Colombia involving claims for significant monetary awards against financial institutions may have an adverse effect on our business and results of operations.



We may be required to raise additional capital in the future in order to maintain our capital adequacy ratios above the minimum required levels. Past due loans include all installments and lines actualuzada credit more than 90 days overdue, provided that the aggregate principal amount of such loans is not included.

Vocabulario aplicable al sistema producto leche. American Depositary Shares representing common shares.

Net interest margin 1. Owners of ADSs are entitled to receive dividends on the underlying shares to the same extent as the holders of shares. The quality of service that we provide to our customers is key to our growth strategy. No treaty exists between the United States and Chile for the reciprocal enforcement of court judgments.

If, at the expiration of the extension, the circumstances giving rise acthalizada the original suspension have not changed, the CMF will then cancel the relevant listing in the registry of securities. The integration of two large companies also presents significant management challenges.

Third-party vendors provide key components of our business infrastructure such as different loan servicing systems, internet connections and network access. Our common shares underlying the ADSs are listed and traded on the Santiago Stock Exchange and the Chilean Electronic Exchange, although the trading market for the common shares is small by international standards.

Our allowances for loan losses may not be adequate to cover the future actual losses to our loan portfolio. Investments made in our common shares and our American Depositary Shares, or ADSs, are subject to the following requirements: Our New York Branch offers a wide range of credit operations and services to both Chilean and non-Chilean retail customers and large and medium-sized companies.

We rely on third parties for important products and services.