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Management discussion
International Business Machines Corporation and Subsidiary Companies

Road map Forward-looking and cautionary statements Management discussion snapshot Description of business Year in review
Prior year in review Discontinued operations Other information
Global Financing

Financing risks

See Global Financing-“Description of Business” for a discussion of the financing risks associated with the Global Financing business and management’s actions to mitigate such risks.

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IBM 2008 Annual Report

Annual report cover