This Report contains forward-looking statements with respect to CI, including its business operations and strategy and fi nancial  performance and condition. Although management believes that the expectations reflected in such forward-looking statements are  reasonable, such statements involve risks and uncertainties. Actual results may differ materially from those expressed or implied by  such forward-looking statements. Factors that could cause results to differ materially include, among other things, general economic  and market factors, including interest rates, business competition, changes in government regulations or in tax laws, and other factors  discussed in materials filed with applicable securities regulatory authorities from time to time.  2012