1065088--2/20/2009--EBAY

related topics

{system, service, information}

{regulation, government, change}

{property, intellectual, protect}

{operation, international, foreign}

{tax, income, asset}

{product, market, service}

{condition, economic, financial}

{financial, litigation, operation}

{acquisition, growth, future}

{personnel, key, retain}

An economic recession could harm our business. We are exposed to fluctuations in currency exchange rates and interest rates. The listing or sale by our users of pirated or counterfeit items may harm our business. We are subject to patent litigation. Use of our services for illegal purposes could harm our business. We are subject to risks associated with information disseminated through our service. Government inquiries may lead to charges or penalties. We are subject to general litigation and regulatory disputes. Failure to deal effectively with fraudulent transactions and customer disputes would increase our loss rate and harm our business. Any factors which reduce cross-border trade could harm our business. Our business is subject to online security risks, including security breaches and identity theft. Changes in regulations or user concerns regarding privacy and protection of user data could adversely affect our business. Our revenue from advertising is subject to factors beyond our control. Our growth will depend on our ability to develop our brands, and these efforts may be costly. New and existing regulations could harm our business. If our Payments business is found to be subject to or in violation of any laws or regulations, including those governing money transmission, electronic funds transfers, money laundering, banking and lending, it could be subject to liability, licensure and regulatory approval and may be forced to change its business practices. Changes to credit card networks or bank fees, rules, or practices could harm PayPal s business. Changes in PayPal s funding mix could adversely affect PayPal s results. PayPal s failure to manage customer funds properly would harm its business. System failures could harm our business. There are many risks associated with our international operations. Acquisitions and joint ventures could result in operating difficulties, dilution, and other harmful consequences. Bill Me Later will expose us to new risks. Our business and users may be subject to sales tax and other taxes. The current regulatory environment for Voice over Internet Protocol (VoIP) is uncertain, and Skype s business could be harmed by new regulations or the application of existing regulations to its products. Skype depends on key technology that is licensed from third parties. Our businesses depend on continued and unimpeded access to the Internet. Internet service providers may be able to block, degrade, or charge us or our users additional fees for our offerings. Our tickets business is subject to regulatory, competitive, and other risks that could harm this business. We depend on key personnel. Problems with or price increases by third parties who provide services to us or to our users could harm our business. Customer complaints or negative publicity about our customer support or anti-fraud measures could diminish use of our services. Our industry is intensely competitive, and other companies or governmental agencies may allege that our behavior is anti-competitive. Our business may be adversely affected by factors that cause our users to spend less time on our websites, including seasonal factors, national events and increased usage of other websites. Our failure to cost-effectively manage certain aspects of our business could harm us. We may have exposure to greater than anticipated tax liabilities. We depend on the continued growth of online commerce and communications. Our business depends on the development and maintenance of the Internet infrastructure. We may be unable to protect or enforce our own intellectual property rights adequately.

Full 10-K form ▸

1065088--2/20/2009--EBAY_INC