Goldman Sachs Financial Services Conference December 2020 Forward-Looking Statements; Use of Non-GAAP Financial Measures 2 Forward Looking Information These materials include "forward-looking statements" as that term is defined in the Private Securities Litigation Reform Act of 1995. These statements are based on management's current expectations and assumptions regarding future events or determinations, all of which are subject to known and unknown risks, uncertainties and other factors that may cause our ...