1065332--3/13/2009--NIC

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{system, service, information}

{operation, natural, condition}

{financial, litigation, operation}

{regulation, change, law}

{product, market, service}

The risks and uncertainties described below are not the only ones facing our company. Additional risks and uncertainties not presently known to us or that we currently deem immaterial may also impair our business operations. If any of these risks actually occur, our business, financial condition and results of operations could be materially adversely affected. In that case, the value of our common stock could decline substantially. If our competitors are more successful in attracting and retaining customers and users, then our revenues and profits could decline. The growth in our revenues may be limited by the number of governments that choose to provide eGovernment services and to adopt our business model and by the finite number of governments with which we may contract for our eGovernment services. We may become subject to liability under NACHA rules and standards for processing electronic direct debit payments from bank accounts. We may become liable for violations of the Driver Privacy Protection Act as adopted federally or in each state.

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1065332--3/13/2009--NIC_INC