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This Annual Report contains non-GAAP financial measures. Terms by which non-GAAP financial measures are identified include but are not limited to “adjusted net income”, “adjusted diluted earnings per share” and “adjusted return on average common equity” used to provide management and investors with additional measures to assess earnings performance. As well, “Earnings before interest and taxes (EBIT)” and “Earnings before interest, taxes, depreciation and amortization (EBITDA)” are non-GAAP financial measures used to provide management, investors and investment analysts with additional measures to evaluate and analyze the Company’s results. However, these non-GAAP financial measures do not have a standard meaning and are not directly comparable to similar measures used by other companies and may not be directly comparable to any prescribed GAAP measure. Please refer to the appropriate reconciliations of these non-GAAP financial measures to measures prescribed by GAAP.
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