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1. Select a large, publicly held Commercial Bank Company to obtain their 2018 Form 10K.

2. You can either search for your company’s 10K by typing in the Company Name 10K 2018 (for example “Bank of America 2018 10K”); or you can go directly to their website, look for the Investor Relation section, and look under SEC Filings.

3. Once you have the Form 10K, (you will want to view as a pdf file) search for “Risk Factors” (“Control F”; type in risk factors) Risk Factors should be disclosure Item 1A

4.Read through this section of the company’s disclosure . Discuss whether or not you would conclude that this is a risky investment,

Select one of the risks that the company is disclosing. Tell us what the company is trying to communicate to its readers relative to this selected risk. 

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