ing canada inc an overview of the canadian p&c industry analyst meeting toronto hilton april 5 2005 2 www ingcanada com certain statements contained in this presentation about our current and future plans expectations intentions results levels activity performance goals or achievements any other events developments constitute forward looking words may will would should could expects intends anticipates believes estimates predicts likely potential negative variations these comparable phrases are intended to identify based on assumptions made by us light experience perception historical trends conditions expected as well factors that we believe appropriate circumstances many cause actual differ materially from those expressed implied including without limitation following ability implement strategy operate business currently expect accurately assess risks associated with insurance policies write adverse