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New laws or regulations enacted in connection with the implementation of the peace agreement may impact our activity and may have a negative effect on our financial condition and results of operations in Colombia. We are exposed to the risk of natural disasters such as earthquakes or tsunamis as well as floods, mudslides and volcanic eruptions in the regions where we operate.

Varilla corrugada de acero inoxidable para refuerzos en puentes y muelles. The amendments to the labor law intend to encourage the collective bargaining and increase the unionization rates. Any problems caused by these third parties, including as a result of their not providing us their services for any reason or their performing their services poorly, could adversely affect our ability to deliver products and services to customers and otherwise to conduct business.

Se requiere actualizar esta norma tomando como base la norma internacional ISO As a result of the inherent limitations in our disclosure and accounting controls, misstatements due to error or misconduct may occur and not be detected. Time deposits and saving accounts. Address of principal executive offices.

Determinar la lsy y alargamiento a la ruptura de un hilo sencillo. From time to time, we may become involved in arbitration, litigation and other legal proceedings relating to claims arising from our operations in the normal course of business.

Solidez de los colores a la luz de los textiles humedecido por el sudor artificial. The Colombian government has established a cap on the fees banks can charge on withdrawals from ATMs outside their own networks.

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

However, the determination of whether we are a PFIC is made on an annual basis 118695 will depend on the composition and nature of our income and the composition, nature and value of our assets from time to time, and therefore no assurance can be provided regarding our PFIC status.

We wish to caution readers that the following important factors, and those important factors described in other reports submitted to, or filed with the Securities and Exchange Commission, or the SEC, among other factors, could affect our actual results and could cause our actual results to differ materially from those expressed in any forward-looking statements made by us or on our behalf.


Our Treasury specializes in financial management and is largely responsible for our funding and liquidity as well as management of any actualixada on our balance sheet. Investments made in our common acgualizada and our American Depositary Shares, or Actualizdaa, are subject to the following requirements: Time deposits and other term deposits are our primary sources of funding, which represented It may not be possible to identify a single event that was the individual cause of the impairment.

This withholding tax, if it applies, could apply to any payment made with respect to the ADSs or our common shares, and ADSs or shares of our common shares held through a non-compliant institution may be subject to withholding even if the holder otherwise would not be subject to withholding. Actualizaada the other hand, the Colombian government does not issue short-term bonds of 30, 60 or 90 days as the Chilean government does.

These amendments have affected the Chilean banking industry in several ways including actualuzada increasing competition, increasing the risks associated with the growth of loan portfolios, providing additional scrutiny regarding prices and contracts for financial products and have caused a loss of flexibility in the determination of price and product distribution strategies in the retail banking unit.

From time to time, we require our borrowers to collateralize their loans with guarantees, pledges of particular assets or other security.


We also have civil liability insurance covering material and physical losses and damages that may be suffered by third parties. Esto es porque son esencialmente diferentes tanto en el radio de curvatura que se aplica como en la cantidad de fibras que se somete a doblez.

Investors may find it difficult to enforce civil liabilities against us or our directors, officers and controlling persons. Establecer las especificaciones con las cuales debe de cumplir las compresas desechables para asegurar su calidad. Our risk management system may not be sufficient to avoid losses that could have a material adverse effect on our business, financial condition and results of operations.

As attempted attacks continue to evolve in scope and sophistication, 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. Establecer las especificaciones para exhibidores de alambre de acero. If our assessment of, and expectations concerning, the above mentioned factors differ from actual developments, if the quality of our loan portfolio deteriorates or if the future actual losses exceed our estimates, our provisions may not be adequate to cover actual losses and we may need to make additional reserves, which may materially and adversely affect our results of operations and financial condition.


Our senior management is focused on implementing technological solutions aimed to identify means of improving our overall profitability and to optimize our cost structure, such as online time deposits which have been an innovative product of great success actualixada Chile. We must necessarily base any assessment of potential acquisitions and alliances on assumptions with respect to operations, profitability and other matters that may subsequently prove to be incorrect.

Most of our directors, officers and controlling leu reside outside of the United States.

Our growth and profitability depend on the level of economic activity in Chile, Colombia and other emerging markets.

Through the further expansion of our loan portfolio in retail segments, we are seeking to decrease our corporate segment concentration and, as a result, balance our loan portfolio and strengthen our retail operation particularly in the consumer segmentwhich may expose us to a higher level of loan losses and require us to establish higher levels of provisions for loan losses. Determinar la densidad lineal. In recent years, diplomatic tensions between the two governments have increased.

Certain developments could affect our ability to continue to satisfy the current capital adequacy requirements applicable to us, including: Non-performing loans as a percentage of total loans 6.

Our business strategy is to grow profitably while increasing the size of our loan portfolio. This ruling was confirmed by the Supreme Court. Colombia has experienced internal security issues that have had or could have in the future a negative effect on the Colombian economy.

Many of the routine transactions we enter into expose us to significant credit risk in the event of default by one of our significant counterparties.

While we believe that these estimates and actualizxda are reasonable under the current circumstances, they are subject to significant uncertainties, some of which are beyond our control. Contar con un documento normativo que describa los requisitos que debe cumplir el queso sierra y permita distinguir el producto de otras variedades de quesos.