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The documents and the remarks made within these may include, and officers and representatives of AIG may from time to time make, projections, goals, assumptions and statements that may constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These projections, goals, assumptions and statements are not historical facts but instead represent only AIG’s belief regarding future events, many of which, by their nature, are inherently uncertain and outside AIG’s control. These projections, goals, assumptions and statements include statements preceded by, followed by or including words such as “will,” “believe,” “anticipate,” “expect,” “intend,” “plan,” “focused on achieving,” “view,” “target,” “goal” or “estimate.” These projections, goals, assumptions and statements may address, among other things, AIG’s:

• exposures to subprime mortgages, monoline insurers, the residential and commercial real estate markets, state and municipal bond issuers, sovereign bond issuers, the energy sector and currency exchange rates;
• exposure to European governments and European financial institutions;
• strategy for risk management;
• actual and anticipated sales, monetizations and/or acquisitions of businesses or assets, including AIG's ability to successfully consummate the purchase of Validus Holdings, Ltd.;
• restructuring of business operations, including anticipated restructuring charges and annual cost savings;
• generation of deployable capital;
• strategies to increase return on equity and earnings per share;
• strategies to grow net investment income, efficiently manage capital, grow book value per common share, and reduce expenses;
• anticipated organizational, business and regulatory changes;
• strategies for customer retention, growth, product development, market position, financial results and reserves;
• management of the impact that innovation and technology changes may have on customer preferences, the frequency or severity of losses and/or the way AIG distributes and underwrites its products;
• segments’ revenues and combined ratios; and
• management succession and retention plans.

It is possible that AIG’s actual results and financial condition will differ, possibly materially, from the results and financial condition indicated in these projections, goals, assumptions and statements.

Factors that could cause AIG’s actual results to differ, possibly materially, from those in the specific projections, goals, assumptions and statements include:

• changes in market conditions;
• negative impacts on customers, business partners and other stakeholders;
• the occurrence of catastrophic events, both natural and man-made;
• significant legal, regulatory or governamental proceedings;
• the timing and applicable requirements of any regulatory framework to which AIG is subject, including as a global systemically important insurer;
• concentrations in AIG’s investment portfolios;
• actions by credit rating agencies;
• judgments concerning casualty insurance underwriting and insurance liabilities;
• AIG’s ability to successfully manage Legacy portfolios;
• AIG’s ability to successfully reduce costs and expenses and make business and organizational changes without negatively impacting client relationships or its competitive position;
• AIG’s ability to successfully dispose of, monetize and/or acquire businesses or assets including AIG’s ability to successfully consummate the purchase of Validus Holdings, Ltd.;
• judgments concerning the recognition of deferred tax assets;
• judgments concerning estimated restructuring charges and estimated cost savings; and
• such other factors discussed in Part I, Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations (MD&A) in AIG’s Quarterly Reports on Form 10-Q for the quarterly periods ended September 30, 2017, June 30, 2017 and March 31, 2017, Part II, Item 7. MD&A and Part I, Item 1A. Risk Factors in AIG’s Annual Report on Form 10-K for the year ended December 31, 2016 and Part II, Item 7. MD&A and Part I, Item 1A. Risk Factors in AIG’s Annual Report on Form 10-K for the year ended December 31, 2017 (which will be filed with the SEC).

AIG is not under any obligation (and expressly disclaims any obligation) to update or alter any projections, goals, assumptions, or other statements, whether written or oral, that may be made from time to time, whether as a result of new information, future events or otherwise.

The documents on this site and the remarks made orally may also contain certain non-GAAP financial measures. The reconciliation of such measures to the most comparable GAAP measures in accordance with Regulation G is included in the Fourth Quarter 2017 Financial Supplement or other relevant documents, located on this site.

Nothing within this site or in any oral statements made in connection with these documents is intended to constitute, nor shall it be deemed to constitute, an offer of any securities for sale or the solicitation of an offer to purchase any securities in any jurisdiction.