FORWARD LOOKING STATEMENTS / NON-GAAP FINANCIAL MEASURES This presentation contains statements that constitute “forward-looking statements” membership products as well as any new insurance programs and products we within the meaning of the Private Securities Litigation Reform Act of 1995. Forward- offer; (vi) manage the cyclical nature of the insurance business, including through looking statements include all statements that are not historical facts. These forward- any periods of recession, economic downtu ...