Aetna 2013 Annual Report Download - page 52

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Annual Report- Page 46
implemented training and compliance programs for our employees to deter prohibited practices. However, if our
employees or agents fail to comply with applicable laws governing our international operations, we may face
investigations, prosecutions and other legal proceedings and actions which could result in civil penalties,
administrative remedies and criminal sanctions. See “As we expand our international operations, we will
increasingly face political, legal and compliance, operational, regulatory, economic and other risks that we do not
face or are more significant than in our domestic operations. Our exposure to these risks is expected to increase”
beginning on page 72 for a discussion of the risks related to operating globally.
Anti-Money Laundering Regulations
Certain of our lines of business are subject to Treasury anti-money laundering regulations. Those lines of business
have implemented anti-money laundering policies designed to insure their compliance with the regulations. We
also may be subject to anti-money laundering laws in non-U.S. jurisdictions where we operate.
Office of Foreign Assets Control
We also are subject to regulation by the Office of Foreign Assets Control (“OFAC”) of the Treasury. OFAC
administers and enforces economic and trade sanctions based on U.S. foreign policy and national security goals
against targeted foreign countries and regimes, terrorists, international narcotics traffickers, those engaged in
activities related to the proliferation of weapons of mass destruction, and other threats to the national security,
foreign policy or economy of the United States. In addition, we may be subject to similar regulations in the non-
U.S. jurisdictions in which we operate.
FORWARD-LOOKING INFORMATION/RISK FACTORS
The Private Securities Litigation Reform Act of 1995 (the “1995 Act”) provides a “safe harbor” for forward-looking
statements, so long as (1) those statements are identified as forward-looking, and (2) the statements are
accompanied by meaningful cautionary statements that identify important factors that could cause actual results to
differ materially from those discussed in the statement. We want to take advantage of these safe harbor provisions.
Certain information contained in this MD&A and elsewhere in the Annual Report and our Annual Report on Form
10-K is forward-looking within the meaning of the 1995 Act or SEC rules. This information includes, but is not
limited to: the “Outlook for 2014” on page 5, “Risk Management and Market-Sensitive Instruments” beginning on
page 17 and “Regulatory Environment” beginning on page 29 of the Annual Report and this “Forward-Looking
Information/Risk Factors” section. In addition, throughout this MD&A and elsewhere, we use the following words,
or variations or negatives of these words and similar expressions, when we intend to identify forward-looking
statements:
·Expects ·Intends ·Seeks ·Will ·Potential
·Projects ·Plans ·Estimates ·Should ·Continue
·Anticipates ·Believes ·May ·Could ·View
·Outlook ·Guidance ·Predict ·Likely ·Probable
·Forecast
Forward-looking statements rely on a number of estimates, assumptions and projections concerning future events,
and are subject to a number of significant uncertainties and other factors that could cause actual results to differ
materially from those statements. Many of these uncertainties and other factors are outside our control. Certain of
these uncertainties and other factors are described under “Risk Factors” below. You should not put undue reliance
on forward-looking statements. Any forward-looking statement speaks only as of the date of this report, and we
disclaim any intention or obligation to update or revise forward-looking statements, whether as a result of new
information, future events, uncertainties or otherwise.