Prudential 2001 Annual Report Download - page 170
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168 Growing and Protecting Your Wealth
Forward-Looking Statements
Certain of the statements included in this Annual Report constitute forward-
looking statements within the meaning of the U.S. Private Securities Litigation
Reform Act of 1995. Words such as “expects,” “believes,” “anticipates,”
“includes,” “plans,” “assumes,” “estimates,” “projects,” “intends” or variations
of such words are generally part of forward-looking statements. Forward-looking
statements are made based on management’s current expectations and beliefs
concerning future developments and their potential effects upon Prudential
Financial, Inc. and its subsidiaries. There can be no assurance that future
developments affecting Prudential Financial, Inc. and its subsidiaries will be
those anticipated by management. These forward-looking statements are not a
guarantee of future performance and involve risks and uncertainties, and there
are certain important factors that could cause actual results to differ, possibly
materially, from expectations or estimates reflected in such forward-looking
statements, including without limitation: general economic, market and political
conditions, including the performance of financial markets, interest rate
fluctuations and the continuing impact of the events of September 11, 2001;
volatility in the securities markets; reestimates of our reserves for future policy
benefits and claims; changes in our assumptions related to deferred policy
acquisition costs; our exposure to contingent liabilities; catastrophe losses;
investment losses and defaults; changes in our claims-paying or credit ratings;
competition in our product lines and for personnel; fluctuations in foreign
currency exchange rates and foreign securities markets; risks to our international
operations; the impact of changing regulation or accounting practices;
Prudential Financial, Inc.’s primary reliance, as a holding company, on
dividends from its subsidiaries to meet debt payment obligations and the
applicable regulatory restrictions on the ability of the subsidiaries to pay such
dividends; adverse litigation results; and changes in tax law. Prudential Financial,
Inc. does not intend, and is under no obligation, to update any particular
forward-looking statement included in this Annual Report.