1271625--8/31/2010--DOLLAR_FINANCIAL

related topics

{acquisition, growth, future}

{product, market, service}

{condition, economic, financial}

{operation, natural, condition}

{operation, international, foreign}

{financial, litigation, operation}

{stock, price, operating}

{personnel, key, retain}

{cost, operation, labor}

{loss, insurance, financial}

{tax, income, asset}

{system, service, information}

{competitive, industry, competition}

We have engaged, and may engage in the future, in acquisitions or investments which present many risks, and we may not realize the anticipated financial and strategic goals for any of these transactions. Adverse economic conditions may significantly and adversely affect our business, prospects, results of operations, financial condition and access to liquidity. Public perception and press coverage of single-payment consumer loans as being predatory or abusive could negatively affect our revenues and results of operations. If our estimates of loan losses are not adequate to absorb losses, our results of operations and financial condition may be adversely affected. Legal proceedings may have a material adverse impact on our results of operations or cash flows in future periods. Competition in the financial services industry could cause us to lose market share and revenues. Foreign currency fluctuations and unexpected changes in foreign tax rates may adversely affect our reported results of operations. The international scope of our operations may contribute to increased costs that could negatively impact our operations. A reduction in demand for our products and services, and failure by us to adapt to such potential reduction, could adversely affect our business and results of operations. Our check cashing services may further diminish because of technological advances. Our business and results of operations may be adversely affected if we are unable to manage our growth effectively. Our ability to open and acquire new stores is subject to outside factors and circumstances over which we have limited control or that are beyond our control which could adversely affect our growth potential. Our MILES program relies upon exclusive and non-exclusive contractual relationships with its service providers, the loss of any of which could adversely affect the performance of the MILES business and our results of operations generally. Unites States defense budget cuts that reduce enlistments or the number of active duty military personnel could harm our MILES program business. Our business is seasonal in nature, which causes our revenues and earnings to fluctuate. Because we maintain a significant supply of cash in our stores, we may be subject to cash shortages due to robbery, employee error and theft. If we lose key management or are unable to attract and retain the talent required for our business, our operating results could suffer. A catastrophic event or security breach at our corporate or international headquarters or our centralized call-center facilities in Canada, the United Kingdom or the United States could significantly disrupt our operations and adversely affect our business, results of operations and financial condition. Any disruption in the availability of our information systems could adversely affect our business operations. We have a significant amount of goodwill which is subject to periodic review and testing for impairment. The price of our common stock may be volatile.

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1271625--8/31/2010--DOLLAR_FINANCIAL_CORP