Cautionary statement

Such “forward-looking statements” reflect Aviva’s current views with respect to certain future events and financial performance and may include statements that do not directly relate to any historical or current facts. Statements containing words such as: “believes”, “intends”, “forecasts”, “expects”, “plans”, “will,” “seeks”, “aims”, “may”, “could”, “outlook”, “estimates” and “anticipates”, and words of similar meaning, are forward-looking. Such statements are based on currently available information and current assumptions of future events which may not prove to be accurate. Such statements are also subject to various risks and uncertainties that could cause actual results to differ materially from those projected or implied in the “forward-looking statements”.

Accordingly, reliance should not be placed on “forward-looking statements”. Factors that could cause actual results to differ materially from those projected or implied in any “forward-looking statement” and from historical trends include, but are not limited to:

• the impact of difficult conditions in the global capital markets and the economy generally;
• the impact of new government initiatives related to the financial crisis;
• defaults and impairments in our bond, mortgage and structured credit portfolios;
• changes in general economic conditions, including foreign currency exchange rates, interest rates and other factors that could affect our profitability;
• the impact of volatility in the equity, capital and credit markets on our profitability and ability to access capital and credit;
• risks associated with arrangements with third parties, including joint ventures;
• inability of reinsurers to meet obligations or unavailability of reinsurance coverage;
• a decline in our ratings with Standard & Poor’s, Moody’s, Fitch and A.M. Best;
• increased competition in the U.K. and in other countries where we have significant operations;
• changes to our brands and reputation;
• changes in assumptions in pricing and reserving for insurance business (particularly with regard to mortality and morbidity trends, lapse rates and policy renewal rates), longevity and endowments;
• a cyclical downturn of the insurance industry;
• changes in local political, regulatory and economic conditions, business risks and challenges which may impact demand for our products, our investment portfolio and credit quality of counterparties;
• the impact of actual experience differing from estimates on amortisation of deferred acquisition costs and acquired value of in-force business;
• the impact of recognising an impairment of our goodwill or intangibles with indefinite lives;
• changes in valuation methodologies, estimates and assumptions used in the valuation of investment securities;
• the effect of various legal proceedings and regulatory investigations;
• the impact of operational risks;
• the loss of key personnel;
• the impact of catastrophic events on our results;
• changes in government regulations or tax laws in jurisdictions where we conduct business;
• funding risks associated with our pension schemes;
• the effect of undisclosed liabilities, integration issues and other risks associated with our acquisitions; and
• the timing impact and other uncertainties relating to acquisitions and disposals and relating to other future acquisitions, combinations or disposals within relevant industries.

The factors listed above are not all-inclusive and are in addition to other factors contained in Aviva’s periodic filings with the U.S. Securities and Exchange Commission and in other materials published by Aviva. All “forward-looking statements” are current only as of the date on which such statements are made. Aviva undertakes no obligation to update any forward looking statements on this website or any other forward-looking statements we may make.

By clicking “Continue”, you acknowledge that you have read and understand the Cautionary statement set out above and agree to place no reliance on any “forward looking statements”.